CARRINGTON MORTGAGE SERVICES, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
07/23/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CT
  • 064XX
Web
In XXXX of XXXX, Carrington Mortgage bought my mortgage from XXXX during a modification. As such, the remaining two modification payments went to Carrington Mortgage. My first regular Mortgage payment started in XXXX of XXXX. Instead of Carrington Mortgage honoring the modification set up by XXXX they sent me a new modification. As such, I needed to hire a Financial Consultant to analyze this new modification. Once my Consultant analyzed the number he confirmed that Carrington Mortgage committed MORTGAGE FRAUD. Carrington Mortgage not only padded the Escrow account, they changed the interest rate from 3.25 % to 3.875 %. ( The loan contract at the original closing can not be changed without permission and permission was not granted. FHA confirmed it is 3.25 %. ) Carrington Mortgage increased the amount of the property tax from {$460.00} to {$710.00} per month ( it was confirmed with the town, {$460.00} is correct ) as well as principal/interest from {$960.00} to {$1000.00} thus mortgage payments increased from a set modification of {$1400.00} to a new ILLEGAL AND NEGLIGENT modification of {$1700.00}. Carrington Mortgage added extra fees to the promissory note from a corporate advance which the mortgagor does not know the specifics nor where it even came from. Carrington Mortgage added an additional side promissory amount of {$42000.00} yet refused to itemize how this number was even derived. Carrington Mortgage also increased the unpaid principal balance from {$180.00}, XXXX to {$220000.00} once again without any reason. Once Carrington Mortgage took over the Mortgage Account they tried to add an additional {$87000.00}! My Consultant, XXXX XXXX, reached out to the Account Manager handling this account, XXXX XXXX on XX/XX/XXXX asking for clarification and verification of the numbers that were stated in the new modification that was received on XX/XX/XXXX. The Consultant pushed back at Carrington Mortgage and called them out on their MORTGAGE FRAUD. In good faith, until the numbers were clarified, XXXX XXXX, mortgagor, paid the ERRONEOUS Mortgage payment of {$1700.00} for XXXX and XXXX via online account. As the numbers were still not clarified by XXXX of XXXX, due to now being ignored by the Account Manager, the Consultant decided to submit another good faith payment. The Online account was closed down so the Consultant could not submit a payment, therefore a check was overnighted to Carrington Mortgage. Three weeks later the check was returned. For XX/XX/XXXX payment, the Consultant submitted a check for XXXX and XX/XX/XXXX where as these Mortgage payments were once again returned three weeks later. It was stated by Carrington Mortgage that payments needed to be made via XXXX XXXX yet Carrington Mortgage closed the current account, therefore where would the money the mortgagor sent be credited to? This was a HUGE red flag! The mortgagor was afraid Carrington Mortgage would just pocket the money instead of applying it to her account especially when Carrington Mortgage already rejected two payments. So instead of sending any money, the Consultant took advantage of the Cares Act as of XX/XX/XXXX thru XX/XX/XXXX. Consultant sent a certified letter to Carrington Mortgage to Inform them of the mortgagors right to do so. Carrington Mortgage did not respond to this letter. It was realized on XX/XX/XXXX that not only Carrington Mortgage refused payment on a current account to ILLEGALLY MANIPULATE a foreclosure, they closed an account that is CURRENT to ILLEGALLY FORCE a foreclosure. Ironically, the day the Account was illegally closed, XX/XX/XXXX, the Account manager, XXXX XXXX went on vacation for a month, yet after weeks the Consultant could not get ahold of her nor her manager, XXXX XXXX. My Consultant even tried reaching out to XXXX XXXX who prepared the new modification without any response either. Carrington Mortgage has been EGRIGIOUSLY NEGLIGENT AND HAS BEEN BLATANT WITH THEIR ILLEGAL ACTIVIITIES! Carrington Mortgage FAILED to adhere to FHA procedures, FAILED to honor modification set by XXXX, FAILED to send confirmation of permanent modification terms ( only sent limited information if demanded via email ), FAILED to Adhere to Section 6 of RESPA within the 60 days to correct errors outlined in the Consultants qualified written request thus FAILED to send written clarification. Instead of clarifying their negligent errors from the XX/XX/XXXX request, within the 60 days, on XX/XX/XXXX they closed the CURRENT account that was neither delinquent nor in default, Carrington Mortgage FAILED to apply payments correctly to manipulate delinquencies, Carrington Mortgage FAILED to manage escrow properly by not applying payments and when they do, applying more than the law prohibits by almost 5 %, Carrington Mortgage FAILED to accept payments on a CURRENT mortgage to ILLEGALLY force delinquency, Carrington Mortgage FAILED to itemize the promissory note and verify how the numbers add up and where they came from and Carrington Mortgage FAILED to communicate properly. Carrington Mortgage does not have voice mail which seemed very shady. Account manager was defiant sending emails ( only wanted to use the phone yet the Consultant insisted only email for documentation purposes ), Carrington Mortgage kept the mortgagor in the dark, was defiant in answering the Consultants questions and refused to assist in verifying promissory note amount. The Consultant has an ethical obligation to ensure that amount is correct before he allow the mortgagor as his client to signoff. The Account Manager also left for a month vacation without letting the Consultant know and failed to keep us up to date on the status of the completion of the promissory note/ permanent modification. Interesting enough, the Account Manager went on this lengthy vacation on the same day the account was closed. Carrington Mortgage ILLEGALLY used delay tactics such as response time, payment posting, mailing, refusing to email and work with the consultant on the negligent errors that have surfaced, ILLEGALLY requiring resubmission of income information especially since the permanent modification, HAMP program was already approved, ILLEGALLY fabricated a loss mitigation application that was claimed received on XX/XX/XXXX and was so called incomplete and needed more information in order to further process the application yet such application never existed since it was never sent. Any such applications related to the mortgage were already complete and approved by XXXX prior to the transfer to Carrington Mortgage in XX/XX/XXXX. So, 6 months later Carrington is trying to claim an application was incomplete even though there is confirmation that it was already approved and being processed! Carrington Mortgage ILLEGALLY reporting false information to credit report agencies ( though protected via Cares Act ) which had such a negative impact, mortgagor no longer can apply for any type of credit and loans due to significant drop in credit score. Carrington Mortgage ILLEGALLY pressured the mortgagor to sign side promissory note within a few days without verification of the amount. When the Consultant pushed back, Carrington Mortgage were defiant and delayed answering questions until after the so called deadline for the return of the promissory note. Carrington Mortgage ILLEGALLY refused to comply with HAMP procedures. THE BOTTOM LINE, CARRINTON MORTGAGE COMMITTED MORTGAGE FRAUD! Since servicing transfers can occur during modification like this one, the new servicer, Carrington Mortgage failed to follow the modification agreement that was in place with the prior servicer, XXXX. Carrington Mortgage must ensure that it follows loan modification agreements that are already in place. In this case, the mortgagor, XXXX XXXX is extremely lucky to hire her personal Consultant, XXXX XXXX to assist her in this debacle. He took on XXXX and won and now took on Carrington Mortgage Services. The Consultant called Carrington Mortgage out on their FRAUD and that is DIRECTLY WHY THEY BECAME DEFIANT, UNCOOPERATIVE AND IMMEDIATELY CLOSED THE CURRENT ACCOUNT KNOWING THEY COULD NOT GET AWAY WITH THEIR NEGLIGENT AND ILLEGAL ACTIVITIES! Comically, Carrington Mortgage stated they buy mismanaged mortgages. It is ironic, that Carrington Mortgage not only continued the mismanagement but took it to a whole other level of EGREGIOUS NEGLIGENCE. THIS COMPANY PREYS ON AND TAKES ADVANTAGE OF THE SITUATION OF THESE ACCOUNTS TO AN OBSCENE LEVEL COMMITTING FRAUD IN ORDER TO PROFIT BY EITHER MANIPULATING THE TERMS AND NUMBERS OR BY ILLEGALLY FORCING FORECLOSURES. XXXX Carrington Mortgage and you will see all the egregious negligence they have been involved in! Recently, CFPB sued Carrington Mortgage for their ILLEGAL activities! In XX/XX/XXXX, after the Cares Act ended, the Consultant consistently reached out to Carrington to no avail. In XX/XX/XXXX, the Mortgagor received Court documents from the Bank for Foreclosure. Immediately, the Consultant filed for mediation where it was approved and mediation started XX/XX/XXXX. Court Docket number is XXXX in Judicial District of XXXX XXXX , CT Superior Court. Fast Forward, Mediation continued into XXXX where as I finally received the FHA Recovery Modification from Carrington Mortgage on XX/XX/XXXX. My Consultant immediately analyzed the packet to ensure there were no inconsistencies and negligence like the new modification from XXXX, as stated above. On XX/XX/XXXX, my Consultant sent XXXX XXXX the Account Manager for my mortgage an email outlining some questions and numbers he needed to be explained and verified. A few weeks later, I received an updated FHA Recovery Modification with even different figures. So, without a response, my Consultant sent a follow up email on XX/XX/XXXX to request a verification and explanation of the revised FHA Recovery Modification since once again, the numbers didnt add up, especially Mortgage Advances For Escrow and the Partial Claim Amount since these were the two numbers that changed the most from the previous packet and where the numbers where inconsistent the most. My Consultant was very concerned these numbers were being manipulated as Carrington Mortgage did in the past. This reoccurring situation reminded me like the inception nightmare in XXXX. XXXX responded wanting my Consultant to call. On XX/XX/XXXX, my Consultant called the number XXXX gave only to find out it was a general number. My Consultant spoke with Customer Service Representative and asked to be transferred to XXXX yet he refused to accept. It was claimed he was busy. Then the Customer Service Representative would not speak with my Consultant even though he is obviously Third party Authorized. My Consultant was told there is no record of my Third party authorization but then the Representative stated it was expired which is now a contradiction. If there was no record then you would not know if it was expired or not. Only I can expire my Third Party Authorization. The Third Party Form submitted had no expiration date on it therefore it has been tampered with. My Consultant confirmed that his first name was illegally changed by Carrington Mortgage from XXXX to XXXX on the Third Party Authorization. As such, a new Authorization was submitted online thru my online account. This Authorization needs to be obeyed! Carrington Mortgage is in violation of tampering with my Third Party Authorization. My Consultant has been assign this designation since inception ( XX/XX/XXXX ) and Carrington Mortgage is well aware that my Consultant is the primary contact on this account. This shows the Carrington Mortgage continued EGRIGIOUS NEGLIGENCE. Once I received the FHA Recovery Modification, during mediation, there was a representative from Carrington Mortgage from their Loss Mitigation Department, XXXX XXXX, who SIMPLY REFUSED to verify several Modification Details so that I can sign off on the FHA Recovery Modification. Carrington Mortgage PURPOSELY put the deadline date of the FHA Recovery Modification to XX/XX/XXXX even though the mediation date was XX/XX/XXXX. This was to try to force the me to accept the terms of the Modification before verifying the numbers during mediation. I was being bullied during the last mediation on XX/XX/XXXX to take the deal without having the numbers verified by my Consultant. Carrington Mortgage was using scare tactics stating if you do not take the deal it can be taken off the table. I thought only the FHA could remove the deal since they are the ones who approved me! The numbers simply were not adding up. No one should be FORCED to sign a loan without being able to have the numbers make sense. Since the Mortgage payment would increase from {$1400.00} to {$1900.00}, an increase of {$480.00}, interest rate would increase from 3.25 % to 6.875 %, more than double of an increase, and my 30 year loan would be a 40 year loan, my Consultant definitely needed clarification! I was being intimidated during this mediation. I was worried that Carrington Mortgage was padding numbers like they did when the Mortgage was initially taken over by Carrington Mortgage. This was when, as stated above, my Consultant caught Carrington Mortgage in MORTGAGE FRAUD and thus the reason why I am dealing with their NEGLIGENT FORECLOSURE today. Carrington Mortgage, as stated above, TAMPERED with my Third Party Authorization in order to exclude my Consultants attempts to verify the Modification Details. I believe Carrington Mortgage is trying to get away with their continued EGRIGIOUS NEGLIGENCE. As you are well aware, I have a right via RESPA to have all numbers verified and explained where they came from. Carrington Mortgage disregarded my rights and brushed me off during mediation on XX/XX/XXXX. Carrington Mortgage claimed they do not know where the numbers I was referring to in the FHA Recovery Modification packet yet it was on the front coversheet! Just one example of Carrington Mortgage playing games during mediation. Carrington Mortgage violated my rights as per the Real Estate Settlement Procedures Act of 1974 which requires Carrington Mortgage to provide me and my Consultant with pertinent and timely disclosures regarding the nature and costs associated with their real estate settlement process. The Act also prohibits specific practices, such as kickbacks, and places limitations upon the use of escrow accounts. Carrington Mortgage was guessing on how the numbers were derived and even lied to me on how they were calculated and where they came from. The Mediator stated that there needed one last mediation in order to verify the Modification Details yet Carrington Mortgage did not want to commit until they saw what I would do next. Carrington Mortgage REFUSED to eliminate inflated legal fees and foreclosure costs and REFUSED to pay for my Consultant fees yet it is Carrington Mortgage EGRIGIOUS NEGLIGENCE that put me in this NEGLIGENT situation. I made a Good faith payment to Carrington Mortgage via XXXX on XX/XX/XXXX as advised until the numbers can be verified. ( XXXX XXXX from XXXX ) Once the payment was made, the Defendant was waiting for information on the next mediation date. Instead, I received a letter on XX/XX/XXXX from mediation stating on XX/XX/XXXX the mediators final report has been filed and mediation time period has been terminated since Carrington Mortgage would not allow another mediation meeting. CARRINGTON MORTGAGE SINCE INCEPTION OF MY MORTGAGE ACCOUNT FROM XXXX, REFUSED TO HONOR THE INITIAL MODIFICATION SETFORTH BY XXXX. CARRINGTON MORTGAGE COMMITTED MORTGAGE FRAUD, CLOSED A CURRENT ACCOUNT TO ILLEGALLY FORCE A FORECLOSURE TO SUBSTANIALLY PROFIT AND REFUSED TO ADHERE TO FHA/HUD LAWS AND PROCEDURES. THIS IS EXACTLY WHY I AM IN THIS EGRIGIOUS SITUATION. FAST FORWARD, CARRINGTON MORTGAGE CONTINUES THEI NEGLIGENT WAYS BY PLAY GAMES AND STILL REFUSING TO ADHERE TO FHA/HUD LAWS AND PROCUDURES. THEIR EGRIGIOUS NEGLIGENCE NEEDS TO STOP IMMEDIATELY. AS YOU WELL KNOW CARRINGTON MORTGAGE HAS A REPUTATION FOR ILLEGAL PRACTICES INCLUDING MORTGAGE FRAUD THEREFORE, CARRINGTON MORTGAGE NEEDS TO STOP MISMANAGING MY ACCOUNT AND CEASE ALL MORTGAGE FRAUD INCLUDING THE MANIPULATION OF AMOUNTS OWED. I SHOULD NOT HAVE TO BE EXPOSED TO SUCH EGREGIOUS BEHAVIOR. CARRINGTON MORTGAGE PURPOSELY CHOSEN ILLEGAL TACTICS TO PUSH AN ILLEGAL FORECLOSURE TO MAKE MONEY OFF MY MORTGAGE AND THANK GOD MY CONSULTANT CAUGHT THEM. CARRINGTON MORTGAGE CONSISTENTLY IS PROVING MORTGAGE FRAUD, MISMANAGEMENT, EGREGIOUS NEGLIGENCE, HARASSMENT, AS WELL AS AN EGREGIOUS DISREGARD OF FHA LAWS AND PROCEDURES, WHILE MANIPULATING EVENTS, CORRESPONDENCES, AND AMOUNTS.
07/31/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • XXXXX
Web
From: XXXX XXXX Sent: Saturday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX Subject: Re: Sent to Investor Relations ------Fw: Attorney General complaint XXXX a few months ago - continuation of COMPLAINT- I paid on XX/XX/XXXX Wed. and it hasn't posted (XX/XX/XXXX) to XXXX account???????????????---Re: Loan XXXX From: XXXX XXXX Sent: Saturday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: Sent to Investor Relations ------Fw: Attorney General complaint XXXX a few months ago - continuation of COMPLAINT- I paid on XX/XX/XXXX Wed. and it hasn't posted (XX/XX/XXXX) to XXXX account???????????????---Re: Loan XXXX I believe I sent in Reaffirmation of Loan when you took over from another company - but, it was never followed through by Carrington Mortgage. I asked XXXX how to do this - she said just write "I reaffirm my loan" on a piece of paper and fax it to you - she got this from the Bankruptcy Department (see string of e-mails below) - when I talked to XXXX I was returning call from Carrington - but, it must not have been noted. They are still calling and leaving messages - it's Saturday XX/XX/XXXX and I can't return call until Monday. My main concern is that the payment I made on Wednesday XX/XX/XXXX has not posted to my account and there was "other" regarding Escrow in the tally - when I went to pay my loan - XXXX said don't worry about it - it would go to $XXXX in XX/XX/XXXX. HELP!!!!! What is going on at Carrington??????? XXXX XXXX XXXX XXXX XXXX XXXX - Loan number below in string of e-mails. I want my payment to post before XX/XX/XXXX since I made it on XX/XX/XXXX. You payment system is archaeic. From: XXXX XXXX Sent: Saturday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: Fw: Attorney General complaint XXXX a few months ago - continuation of COMPLAINT- I paid on XX/XX/XXXX Wed. and it hasn't posted (XX/XX/XXXX) to XXXX account???????????????---Re: Loan XXXX From: XXXX XXXX Sent: Saturday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX; XXXX Subject: Attorney General complaint XXXX a few months ago - continuation of COMPLAINT- I paid on XX/XX/XXXX Wed. and it hasn't posted (XX/XX/XXXX) to XXXX account???????????????---Re: Loan XXXX Attorney General complaint a few months ago - same scenario of a few months ago Attorney General complaint XXXX- I paid on XX/XX/XXXX Wed. and it hasn't posted to XXXX account???????????????---Re: Loan XXXX ALSO - the following re: Escrow - XXXX at your company told me not to pay the $XXXX (see string of e-mails) XXXX XXXX XXXX XXXX From: XXXX XXXX Sent: Thursday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: Spoke to XXXX - XXXX XXXX - XX/XX/XXXX - Escrow is not $XXXX after making payment ---Fw: Loan XXXX - has $XXXX (Escrow Balance) amount that it appears I need to pay (see below) Check to see if payment cleared tomorrow!!! XXXX said - all is well - Escrow will be balanced at the end of XX/XX/XXXX - I would only owe $XXXX - she said it goes up and down all the time. They will be running a report in XX/XX/XXXX. I did ask her about reaffirming my loan - and she said there wasn't a form - I would just need to fax in signed and dated Request to Reaffirm my loan to XXXX8. From: XXXX XXXX Sent: Tuesday, XX/XX/XXXX 1XXXX XXXX To: XXXX; XXXX Cc: XXXX XXXX Subject: Loan XXXX - has $XXXX (Escrow Balance) amount that it appears I need to pay (see below) I just need to know how I should pay this????? Do I pay with "Other" when I pay my House payment this month? Or, do I mail you a check? and where do I mail the check? Thank you, XXXX XXXX From: XXXX XXXX Sent: Thursday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX Subject: I made my payment for XX/XX/XXXX - yesterday - now it shows I owe $XXXX Escrow Balance - do you want me to mail this $ to you? XXXX XXXX ------Re: Loan XXXX - has $XXXX (Escrow Balance) amount that it appears I need to pay (see below) Loan Information Loan Number: XXXX Loan Type: First Mortgage Property Address: XXXX XXXX XXXX XXXX, NC XXXX Mailing Address: XXXX XXXX XXXX XXXX, NC XXXX Original Loan Amount: $XXXX *Unpaid Principal Balance: $XXXX Escrow Balance: -$XXXX Loan Origination Date: XX/XX/XXXX First Payment Date: XX/XX/XXXX Loan Maturity Date: XX/XX/XXXX Current Interest Rate: 5.5 % *Unpaid Principal Balance is not the payoff amount. From: XXXX XXXX Sent: Saturday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: Fw: Attorney General complaint XXXX a few months ago - continuation of COMPLAINT- I paid on XX/XX/XXXX Wed. and it hasn't posted (XX/XX/XXXX) to XXXX account???????????????---Re: Loan XXXX From: XXXX XXXX Sent: Saturday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX; XXXX Subject: Attorney General complaint XXXX a few months ago - continuation of COMPLAINT- I paid on XX/XX/XXXX Wed. and it hasn't posted (XX/XX/XXXX) to XXXX account???????????????---Re: Loan XXXX Attorney General complaint a few months ago - same scenario of a few months ago Attorney General complaint XXXX- I paid on XX/XX/XXXX Wed. and it hasn't posted to XXXX account???????????????---Re: Loan XXXX ALSO - the following re: Escrow - XXXX at your company told me not to pay the $XXXX (see string of e-mails) XXXX XXXX XXXX XXXX From: XXXX XXXX Sent: Thursday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: Spoke to XXXX - XXXX XXXX - XX/XX/XXXX - Escrow is not $XXXX after making payment ---Fw: Loan XXXX - has $XXXX (Escrow Balance) amount that it appears I need to pay (see below) Check to see if payment cleared tomorrow!!! XXXX said - all is well - Escrow will be balanced at the end of XX/XX/XXXX - I would only owe $XXXX - she said it goes up and down all the time. They will be running a report in XX/XX/XXXX. I did ask her about reaffirming my loan - and she said there wasn't a form - I would just need to fax in signed and dated Request to Reaffirm my loan to XXXX. From: XXXX XXXX Sent: Tuesday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX Cc: XXXX XXXX Subject: Loan XXXX - has $XXXX (Escrow Balance) amount that it appears I need to pay (see below) I just need to know how I should pay this????? Do I pay with "Other" when I pay my House payment this month? Or, do I mail you a check? and where do I mail the check? Thank you, XXXX XXXX From: XXXX XXXX Sent: Thursday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX Subject: I made my payment for XX/XX/XXXX - yesterday - now it shows I owe $XXXX Escrow Balance - do you want me to mail this $ to you? XXXX XXXX ------Re: Loan XXXX - has $XXXX (Escrow Balance) amount that it appears I need to pay (see below) Loan Information Loan Number: XXXX Loan Type: First Mortgage Property Address: XXXX XXXX XXXX XXXX, NC XXXX Mailing Address: XXXX XXXX XXXX XXXX, NC XXXX Original Loan Amount: $XXXX *Unpaid Principal Balance: $XXXX Escrow Balance: -$XXXX Loan Origination Date: XX/XX/XXXX First Payment Date: XX/XX/XXXX Loan Maturity Date: XX/XX/XXXX Current Interest Rate: 5.5 % *Unpaid Principal Balance is not the payoff amount. From: XXXX XXXX Sent: Tuesday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX Cc: XXXX XXXX Subject: Loan XXXX - has $XXXX (Escrow Balance) amount that it appears I need to pay (see below) I just need to know how I should pay this????? Do I pay with "Other" when I pay my House payment this month? Or, do I mail you a check? and where do I mail the check? Thank you, XXXX XXXX XXXX Payment information Loan Number: XXXX Next Payment Due: XX/XX/XXXX Total Due: $XXXX Previous Payment Received: XX/XX/XXXX Loan Information Loan Number: XXXX Loan Type: First Mortgage Property Address: XXXX XXXX XXXX XXXX, NC XXXX Mailing Address: XXXX XXXX XXXX XXXX, NC XXXX Original Loan Amount: $XXXX *Unpaid Principal Balance: $XXXX Escrow Balance: -$XXXX Loan Origination Date: XX/XX/XXXX First Payment Date: XX/XX/XXXX Loan Maturity Date: XX/XX/XXXX Current Interest Rate: 5.5 % From: XXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX Subject: To: XXXX XXXX XXXX - File No. XXXX - Carrington - I consider this closed - but, want the following information added to the record. XXXX XXXX Spoke to XXXX XXXX at Carrington on XX/XX/XXXX - what we talked about is in the e-mail below - I typed this up right after our conversation. To: XXXX XXXX XXXX - File No. XXXX - Carrington - I consider this closed - but, want the following information added to the record. XXXX XXXX XXXX XXXX From: XXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX; XXXX Subject: Just heard from XXXX XXXX ----Re: NC Attorney General - Re: Tomorrow is XX/XX/XXXX - I made my house payment on XX/XX/XXXX - so far, it has not been taken out of my account?? She said there were system problems - which I noticed this past month - on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. She re-input my payment information - and gave me the confirmation number of XXXX. I did ask - "would this affect other customers - who may be getting "close" to getting a late fee?" This could affect their payment history with Credit Unions also. She is checking into this. So as of XX/XX/XXXX - Carrington System Issues - Carrington registered my payment in their system - but, money did not come out of my Checking account. I had to call Carrington after keeping a check on my Checking account and seeing that the monies were not taken out of my account????? I should have been NOTIFIED by Carrington at least by XX/XX/XXXX THAT MONIES WERE NOT RECEIVED FROM MY CHECKING ACCOUNT. XXXX payment - (see Customer Service Problems below) Paid - XX/XX/XXXX7 - $XXXX - Confirmation # XXXX via XXXX XXXX - Supervisor. She did say I should not have been put on "hold" by XXXX to check my checking account payment information. Thank you, XXXX XXXX From: XXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX; XXXX Subject: Re: NC Attorney General - Re: Tomorrow is XX/XX/XXXX - I made my house payment on XX/XX/XXXX - so far, it has not been taken out of my account?? NO INDICATION REGARDING WHY PAYMENT HAS NOT BEEN TAKEN FROM MY CHECKING ACCT. Payment information Loan Number: XXXX Next Payment Due: XX/XX/XXXX Total Due: $XXXX Previous Payment Received: XX/XX/XXXX Loan Information Loan Number: XXXX Loan Type: First Mortgage Property Address: XXXX XXXX XXXX XXXX, NC XXXX Mailing Address: XXXX XXXX XXXX XXXX, NC XXXX Original Loan Amount: $XXXX *Unpaid Principal Balance: $XXXX Loan Origination Date: XX/XX/XXXX First Payment Date: XX/XX/XXXX Loan Maturity Date: XX/XX/XXXX Current Interest Rate: 5.5 % From: XXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX Cc: XXXX; XXXX Subject: CC: NC Attorney General - Re: Tomorrow is XX/XX/XXXX - I made my house payment on XX/XX/XXXX - so far, it has not been taken out of my account?? XXXXInformation sent to NC Attorney General re: my Loan XXXX - payment has not cleared my Checking account - tomorrow is the end of the month***********PROBLEMS WITH CARRINGTON -- DO YOU THINK EITHER OF THE INDIVIDUALS I SPOKE TO BELOW HAVE CALLED ME TO LET ME KNOW THAT ANY INFORMATION WAS INPUT INCORRECTLY?????? NO!!!! _________________________________________________________________________________________________________________________________________________________ Sent to NC Attorney General: Carrington Mortgage Insurance loan payment was made on XX/XX/XXXX. It has yet to clear my checking account - XX/XX/XXXX - so, if it doesn't show up tomorrow, I'll have to pay a late fee. Today, XX/XX/XXXX, I spoke to XXXX at XXXX - she put me on indefinite hold. She was checking to see if correct account was input (checking/debit). I called XXXX at XXXX - Resolve Complex Issues - he wasn't able to see on do anything on his end - and, he had a very arrogant attitude. I did let him know that the Carrington phone system - creates a situation where you never speak to anyone - and, I was put on indefinite Hold previously - and, if he is suppose to resolve complex issues - he should be able to "see" "something" in the system. Help!!!!! I don't want a late fee. But, they haven't taken their payment out of my Checking account and haven't let me know of any problems re: my payment. On the XXXX website - it does show that I have "paid" the payment for XX/XX/XXXX - but, the monies have not been taken out of my bank account. The website was "screwy" this past month. Thank you. XXXX XXXX XXXX XXXX From: XXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX Cc: XXXX; XXXX Subject: Tomorrow is XX/XX/XXXX - I made my house payment on XX/XX/XXXX - so far, it has not been taken out of my account?? account XXXX - XXXX XXXX Tomorrow is XX/XX/XXXX - I made my house payment on XX/XX/XXXX - so far, it has not been taken out of my account?? I need to know that you received my XX/XX/XXXX payment. Thank you, XXXX XXXX XXXX ________________________________________________________________ From: XXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX; XXXX; XXXX; XXXX; XXXX Subject: Continuation of complaint XXXX - CHECK DIDN'T CLEAR TODAY - FOR MY PAYMENT MADE ON XX/XX/XXXX??????: Carrington Fw: Also, I want DOCUMENTS that I have to READ AND SIGN - no assumption of what I'm doing - I want to see the NUMBERS. Thank you, XXXX XXXX If they have some kind of loan in process - I did not okay this!!!!!!! XXXX XXXX (BELOW) contacted me --- I did not okay any type of NEW LOAN due to the fact that I like to see and read everything in WRITING AND I HAVE NOT RECEIVED ANYTHING!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! PLEASE GET MY CHECK TO CLEAR TODAY AND IF YOU NEED TO !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1 SELL MY LOAN TO ANOTHER COMPANY WHO CAN TAKE CARE OF IT PROPERLY - PLEASE DO SO - WHAT IS GOING ON???????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? XXXX XXXX XXXX XXXX XXXX XXXX XXXX From: XXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: Do I get to review the documents before signing? I also need to "reaffirm" my debt. Do I get to review the documents before signing? I also need to "reaffirm" my debt. I don't want my loan to become a part of "limbo" - I read horror stories online daily. So, you would be making a proposal for a loan for the amount owed now for $XXXX years - with amount in Escrow for Taxes and Insurance? I like to deal with e-mail due to the fact that I do have everything in writing. I sent my Reaffirmation of the loan in XX/XX/XXXX - to Carrington - but, in a recent letter - it didn't seem that y'all had it. I definitely want to Reaffirm my Debt. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX From: JXXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Why are you trying to reach me? XXXX XXXX Re: Post Follow Up Good morning, In response to your email, I was recently assigned to your loan. Carrington wanted to thank you for your business and for being a valued customer with us. We acquired your loan last year and since then you have been on time with your payments. In reviewing your loan you qualify for Carringtons lower rate reduction program. This means we can reduce your rate and payment without you having to have the property appraised, or pay any out of pocket closing cost. You can even keep your term the same! Carrington is extending this offer out because we know if you pay less you will stay with us longer. The rates are low at this time so when we are able to reward our customers we like to make them aware. The process is simple. If you would like to move forward let me know. Have a great day. Thank you, XXXX XXXX XXXX NMLS ID #XXXX Loan Officer Carrington Mortgage Services, LLC XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone: (XXXX) XXXX Fax: (XXXX) XXXX From: XXXX XXXX [mailto:XXXX] Sent: Saturday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: Why are you trying to reach me? XXXX XXXX Re: Post Follow Up From: XXXX XXXX Sent: Saturday, XX/XX/XXXX XXXX XXXX To: XXXX Subject: Post Follow Up XXXX, I have been trying to reach youplease call me @ XXXX or let me know a good time to reach you and the best number to reach you at. OR If email is the best way to reach you please respond to this email so that I dont continue to call if it is the preferred mode of communication. Thank you, XXXX XXXX XXXX NMLS ID #XXXX Loan Officer Carrington Mortgage Services, LLC XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone: (XXXX) XXXX Fax: (XXXX) XXXX Email: XXXX State Licenses: AL, IN,KY,NM,OH,NC,CA and WA.
09/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • XXXXX
Web Older American, Servicemember
WE NEED URGENT HELP FROM OUR GOVERNMENT. CFPB -- - Date XX/XX/XXXX XXXX XXXX XXXX # XXXX. XXXX # XXXX. We Just wonder if our Mortgage is getting close to being paid off. We dispute all current Principals from each mortgage lender or collector who held our mortgage after it was sold from the Originator in XX/XX/XXXX. We dispute XXXX, XXXX XXXX XXXX, XXXX ( As Debt Collector for XXXX XXXX XXXX ), XXXX ( As Debt Collector for XXXX XXXX XXXX XXXX, and Carrington Mortgage as Debt Collector for?. They told us our Mortgage Holder is XXXX the abbreviation for XXXX XXXX XXXX XXXX XXXX XXXX? We are so confused by not knowing who the real mortgage holder for our mortgage is for 15 years. We believe our mortgage is a just a business for them. They see us as an investment, not real people with a home they're fond of. It is so horrible. So, our mortgage is an investment for these mortgages, including their 3 Debt collectors which are XXXX, XXXX, and Carrington. THESE ARE the 7 COMPANIES Which Held OUR MORTGAGE IN 15 YEARS. 1. Original First mortgage holder was XXXX XXXX in XX/XX/XXXX.Original Principle was {$200000.00}. 2. XXXX XXXX 3. XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX 5. XXXX XXXX XXXX -- ( As a Debt Collector ) 6. XXXX XXXX XXXX -- ( As a Debt Collector ). 7. Carrington Mortgage Servicing LLC. This Debt collector who modified our mortgage as a Loss Mitigation. I am writing this letter for help on my and husband 's behalf. Our Mortgage is a joint ownership with him as primary. Please help, we have been living in fear in 15 years, if these Mortgage companies would exercise their power they will take our dream home which located in the country near XXXX XXXX, Colorado. We would like to file a Complaint against our Current Mortgage Carrington Mortgage as a ( Debt Collector who Modified our Mortgage after transferred from XXXX XXXX XXXX ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UNFAIR MORTGAGES PRACTICES. We need Urgent help, because we been struggling for so very long. We could afford our monthly payment forever if these companies were honest and maybe our mortgage is paid off already. To Whom it may concern, We would like to request all records, audit, accounting, and clarification of all payments on our mortgage in general to see if it is already paid off. Because it is a big mess, and we have no idea if its paid off or getting close to the pay off. We have been paying our mortgage at a very high payment and rate for 15 years. I calculated our payments in that 15 years it was already over the original price which is the {$200000.00}. We have paid approximately {$300000.00} by using out Monthly payment from XXXX, and XXXX XXXX XXXX {$1600.00}, and 12 months times 15 years. We have no idea, because when we had XXXX it was an ARM, and it was {$1.00}, XXXX -- {$2000.00} adjustable rate. Also, there are 7 mortgage companies which were mortgage holders in our mortgage. There are 3 companies as our debt collectors. I asked again they told us Carrington is our Mortgage Holder, which we dont believe them, because they are a Debt collector for a Mortgage company whom we dont know. My question is how a Debt Collector as Carrington Mortgage Service LLC is our Mortgage holder instead of Debt Collector, because they never refinanced our Mortgage to begin with. The last mortgage who refinanced, as a modification was XXXX XXXX XXXX in XX/XX/XXXX. We need a break, because these mortgage companies commit frauds, are abusive, and very controlling of our lives. We just wonder if these debt collectors have licenses to refinance our mortgage in the State of Colorado, because we have an email from Carrington ( debt collector ), as a list of where they have licenses, and the State of Colorado where our Mortgage located is not listed, so that means they have no license or right ( as a debt collector ) to modify our mortgage with a very high monthly payment. We need help or relief from from our Federal government. Cant you all see that the mortgage companies abuse us, lie, and are very dishonest on us, and created a big mess? Not only that they've passed us around with 7 companies who been transferring our mortgage to each other without our right or agreement to do so. We are the homeowners, not just an investment cash cow. Please help, we need a break, we need a life, and we have been struggling with a very high rate for 15 years, and we need our Federal government to help solve our difficulties. We have been trying the best we could in that 15 years, and we have no power to deal with these mortgages at all. Our Mortgage as a Single Family Residential, and real house, and not a mobile home. We Originally purchased our Mortgage inXX/XX/XXXX, and the house was built in XX/XX/XXXX, and was refurbished just before we bought it. The original price was {$200000.00}. 1. FIRST MORTGAGE HOLDER WAS XXXX XXXX a ) Our rate with XX/XX/XXXX was 8.784 % b ) Monthly payments {$1400.00} c ) The Original Mortgage Holder when we first bought in XX/XX/XXXX XX/XX/XXXX. 2. XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX a ) Our rate was 8.784 %. b ) Monthly payments {$1400.00} 3 XXXX MODIFICATION- from XX/XX/XXXX -- -XX/XX/XXXX which is a 4 years ). a ) Our Rate was 9 %, 10.500 %, up to 11.125 % as an adjustable rates. Late Charges -- {$20.00} b ) Our monthly payments from {$2000.00}, {$190000.00}, and {$1600.00} c ) XXXX lender was XXXX XXXXe lender as the XXXX XXXX XXXX XXXX, which may not have been properly licensed and the mortgage would be invalid. Most of our problems started with XXXX. Like so many others, they ripped us off. 4. XXXX XXXX XXXX XXXX inXX/XX/XXXX -- -XX/XX/XXXX). a ) Our Rate was 7.75 %. b ) Monthly payments of {$1600.00} -- -- {$1.00}, XXXX -- {$2000.00}, same payment was continue from XXXX. We asked XXXX XXXX XXXX to modify our Mortgage, hoping for a lower payment and some relief for our budget. They should have lowered our rate and payment, but they did not. XXXX XXXX XXXX raised our principal balance to {$200000.00} after 6 years. When XXXX XXXX XXXX modified our Mortgage they raised the principal balance to {$200000.00}, which was over the original balance of {$200000.00} when we first purchased our mortgage, and then just continued the same payment of {$1600.00} we had from XXXX, and gave us a 7.75 % rate. So, what does Modification mean? We sought help to lower our payment and rate, but that did not happen with XXXX XXXX XXXX 's modification. After the Modification with XXXX XXXX XXXX We found out XXXX XXXX XXXX is not our Mortgage Holder, and it was XXXX is our Mortgage Holder instead of XXXX XXXX XXXX. XXXX had become part of XXXX XXXX XXXX. It was not an ARM or adjustable rate, but XXXX XXXX XXXX adjusted my payments from {$1600.00} to {$1900.00} three times, and then collected this payment, they also transferred these 3 payments to XXXX to collect it again. They did this without any explanation or justification. Very creepy, and very dishonest. We overheard that XXXX XXXX XXXX modified our mortgage, even though XXXX was still our Mortgage holder. XXXX XXXX XXXX carried over the problems and abuses from XXXX. These mortgage companies dont tell the truth to homeowners, but they lie, and are very abusive, and dishonest. None of them tell the truth. 5. XXXX XXXX XXXX XXXX - -- -- ( As a Debt Collector for XXXX XXXX XXXX XXXX. a ) Our Rate was 7.75 % was transferred from XXXX XXXX XXXX. Late Charges was {$12.00} b ) Our Monthly payments was {$1.00}, XXXX was no different from our XXXX XXXX XXXX payments. 6 ) XXXX XXXX XXXX- ( As a Debt Collector also XXXX, same as XXXX XXXX account number. a ) Our Rate was 7.75 % same as XXXX 's Mortgage. b ) Our Monthly payment {$1600.00}, same as XXXX 's Mortgage. 7 ) Carrington Mortgage Services , LLC -- - ( As a Debt Collector ), and we have no idea who they collect the Debt for?. a ) Our Original rate from XXXX, before transferring our mortgage in XX/XX/XXXX to Carrington, was 7.75 %. Carrington modified our loan, and would only reduce our rate to 6.370 %, and we are very sad about this. We had no choice, but to sign the Modification with fearful hope so they wont foreclose our dream home in the country. We've lived in it for 15 years. b ) So, our current rate with Carrington is 6.370 %. c ) Our monthly payments to send every-month for 6 months is total -- $ {$2100.00} including late charges of {$75.00} d ) Carrington just gave us 6.370 % from the Original rate after transferred our Mortgage from XXXX as of 7.75 %. We did sign for Mortification by fear of losing out home, because we have no other choice. We could only qualify for Loss Mitigation as our only choice, and could not use my husband 's VA in 15 years. We call every mortgage company for help, but nothing worked out, and we gave up looking. All these years of looking for help was a waste, because our credit was damaged so severely by these companies. Carrington is the Debt Collector for our current mortgage. With all the messes, and our severe struggling from all the previous mortgages to today with Carrington Mortgage our problems are getting worse. We were so afraid, and lived in fear for 15 years of foreclosure or loss of our dream home, we applied for Loss Mitigation with Carrington Mortgage just to do something to save our dream home. This is the only program that we qualified for, and had no other choice, but take the high road to save our home. So, Carrington wanted us to pay a trial payment 3 times of {$1900.00} in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and then they qualified us for Modification in XX/XX/XXXX, which was not good at all, because they gave us the same payments that we paid for the trial. Its possible that they dishonestly wanted to see if they could pry more money out of us. Also, the Original rate from XXXX was 7.75 % was transferred to Carrington, and Carrington modified our Mortgage, and only gave us 6.370 % rate. So, even with the VA in 15 years we had never been able to get help from anybody. We never qualified no matter what, because our credit was severely damage by these Mortgage Companies, and other finance institutions. We did not create all these things that happened to us. We have a guaranteed income to afford our mortgage, but there is no help from anybody for us to have a break from paying a very high payment and rate in 15 years. We sometimes feel like giving up our dream home, but we couldnt, because it was already underwater, and we cant get any money from it, because the current principal after 15 years is still {$190000.00} and the Original principle in XX/XX/XXXX was {$200000.00}. So, we keep floating with very high payments, for fear of losing our home. In 15 years we had never been able to pull the equity to help us. We have no idea how much the equity is on our house in 15 years. Our home needs remodeling, and so many things to fix etc. So, we had 7 mortgages over the 15 years since we purchased our home. So, we will be paying our home until we die, and it will never be paid off, and we'll have nothing for our kids at all. I am XXXX, and my wife is XXXX. We have no savings at all, because of paying our mortgage at a very high payment for 15 years, and dont know how much the real principal is or if it is already paid off or close to it. We need URGENT help, because our current payment to Carrington mortgage is {$1900.00}, and plus charge of {$75.00} altogether is {$2100.00}. Our problems are getting worse, caused by a very high monthly payment. We live from pay check to pay check. Sometimes we have no money for weeks, because all of XXXX retirement is going to Carrington every month, and his current job is taking care of our other bills. And, the wife is not able to work, because of our credit reports in 15 years our both scores are in the 500s. We know our mortgage is just an investment for these mortgage companies. We could not do anything, but follow what they tell us to do, and do the monthly payments like tossing our hard earned money into a dumpster. We need urgent help from the Federal government to save our lives, because we did not do this. We have been struggling for 15 years, and dont know what else to do. We had a payment that was sent to Carrington Mortgage in XX/XX/XXXX, and it was returned, it was insufficient caused by our struggling. So, they resubmitted twice without us knowing it, and we just found out after we got our statements from the bank. And, now Carrington has punished us, because of that insufficient funds. We can no longer do a payment by phone, but make a cashier check to send XXXX XXXX, or XXXX XXXX for 6 months. So, my wife has to drive 45 minutes to town to our bank to make a cashier check every month for 6 months to send by XXXX XXXX or XXXX XXXX to pay them by Carringtons order. Carrington Mortgage Services , LLC as a ( Debt Collector ) is a ripoff. And, just wonder if they have a license in the States of Colorado to modify our mortgage. Also, we wonder about these three Debt Collectors such as XXXX, XXXX, and Carrington. Do they have the proper licenses, or qualify as our mortgage holders. Please, we need urgent help, because we have no idea what next if we could not refinance our mortgage in so many years, and we have to do something to save our mortgage from these mortgage companies who already took our lives away. We have nothing to look forward to, but suffering everyday, and sadly. We have nothing for our kids, and grandkids. We can only try for ourselves to live, and we never help our kids. We want to file complaint about our current Mortgage which is Carrington Mortgage Services , LLC . This is a continuing severe problem with our Mortgage Companies which we have been fighting for 15 years. We want to audit all of our payments over 15 years to see if we're getting close to paying off our mortgage or know exactly what the real principal is, the payments, and everything in general, all the aspect of our mortgage, because our payments go up, and up, and may get worse or finally we'll lose our house or be foreclosed on by Carrington Mortgage. These companies have hidden or obscured the facts so we can keep giving them money. We have been living with fear of losing our home. Please, help. We did submit a letter of our hardship to Carrington Mortgage, when processing the loss mitigation. So, they didnt even think that we have other bills to take care of, and also that my wife is not working. So, they told me it was dependent on our income. We need food, and have other bills to take care of, and so forth. We want a lower payment so we could have a left over for fun, because we have never taken a vacation in our life time. Carrington should have read out hardship letter, and should understand it. They said it depends on our income. So, his entire retirement of {$2100.00} is going to Carrington Mortgage for our monthly payments indefinitely, and we dont know if or when we are going to pay off our mortgage. This is all his pay check, and all our bills all together including our mortgage totals {$3.00}, XXXX monthly, and almost {$4000.00} monthly, and there is not much left every month. We have to have something for ourselves, because we work hard for our money. For 15 years we always work to keep up our monthly payment on our mortgage, because this is our dream home in the country, and we deserve something good, because we work for it. Today, we never have a vacation in 15 years, because our home is our priority to take care the payments so we could have a place to live. We are a victims of their fraud, and crimes. We work hard, and have honesty, and are tax payers, and we dont need this treatment from these companies. We obey the Law, and they dont. Please, help to save us from difficulties so we could have a life to enjoy, life is short, and look in to our problems urgently which there was no fault of our own. We dont know how we made it in 15 years. We could be homeless if we gave up. Please, help, our monthly payment will never go down, but keeps going up. Maybe Carrington mortgage company is trying to drive us into a foreclosure, since this is a nice property and houses here are going up in value.
01/25/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 339XX
Web Older American
FORBEARANCE FRAUD Carrington Mortgage Services ( Carrington ). appears to be engaged in a fraudulent scheme to push homeowners into foreclosure by extending 3 months forbearance and immediately demanding the 3 months payments all at once. Carrington has not acted in good faith, been transparent or fair to customers who were never late on a payment and are now experiencing trauma from a life changing natural disaster. We have been displaced from our uninhabitable home and are living in a rented camper in our driveway while working with certified contractors to re-build our only residence. The following timeline outlines events that have occurred leading to Carrington notifying us of their Intent to Foreclose on our mortgage : XX/XX/XXXX - XXXX was exposed to and contracted XXXX on XX/XX/XXXX. He was sick and couldnt work XX/XX/XXXX - XXXX caught XXXX from her husband shortly thereafter XX/XX/XXXX - XXXX and XXXX were still recovering from XXXX when the natural disaster, Hurricane Ian, caused catastrophic damage to our only residence, necessitating additional emergency time out of work until XX/XX/XXXX. We have applied but received no compensation for this lost work. XX/XX/XXXX - In good faith and transparency, we have both communicated with Carrington by phone and email requesting help because we were not able afford to pay our mortgage payment since we both became sick with XXXX. Carrington immediately refused to give us 180 day forbearance upon request. They said the maximum forbearance they could give was 3 months and that we could apply for an extension only after the 3 month forbearance expired. They also told us that they would call us before the expiration of the 3 months but they never did. XX/XX/XXXX - We called numerous times during XX/XX/XXXX and Carrington refused to extend the forbearance advising us to call for an extension only after the expiration date has occurred. During at least two of these calls they told us that they would call us the week before our forbearance was to expire. They never did. In good faith, we have tried to work with Carrington to save our home and keep our good credit. XX/XX/XXXX XXXX called Carrngton who then refused to extend our mortgage forbearance stating that the program was no longer available. XX/XX/XXXX- XXXX # XXXX advised XXXX that the program was over and that Carrington couldnt grant an extension. When I broke down from the stress and mental exhaustion, she told me that Carrington would accept one payment before XX/XX/XXXX and that would stop foreclosure proceedings on our home. XX/XX/XXXX - Acting in good faith again and at the direction of Carrington, we made a mortgage payment in the amount of {$2400.00} - XXXX XXXX XXXX XXXX XXXX XXXX - Bank records show that XXXX received our payment of {$2400.00} XX/XX/XXXX - Without prior notification to us, Carrington refunded the payment made on XX/XX/XXXX of {$2400.00}. This was very upsetting to find that they refused to accept our payment. XXXX - XXXX immediately called Carrington who denied receiving the payment made on XX/XX/XXXX for {$2400.00}. Further Carrington advised that if 3 months were not paid immediately, interest will accrue, the 3 months of forbearance would result in derrogatory credit reports and foreclosure proceedings would be initiated. XXXX is a long haul heavy load truck driver and his mental and physical performance is critical for safety reasons. XXXX called me, in absolute fear and distress that he was going to lose the first home hes ever owned. I began having severe XXXX pain as a result of the news and wasnt able to function for 2 days. XX/XX/XXXX - A Notice of Intent to Foreclose dated XX/XX/XXXX was received by USPS from Carrington XX/XX/XXXX - A certified copy of Notice Of Intent to Foreclose dated XX/XX/XXXX was received by hand delivery OBSTRUCTION Further, as part of their scheme to steal the homes of consumers in distress from XXXX and hurricane Ian, Carrington is obstructing our ability to obtain a modification or other mortgage assistance relief by repeatedly providing false and misleading information and losing documents that were submitted and in their possession. XX/XX/XXXX - After learning that Carrington refused to extend our forbearance, XXXX # XXXX told me to go to their website and complete a Mortgage Assistance Package as soon as possible XX/XX/XXXX ( XXXX ) - I sent a completed Mortgage Assistance Package with all requested documentation to XXXX as instructed. XX/XX/XXXX - I receive a letter ( attached ) from Carrington Mortgage stating that they had not received all of the required documentation and my application was incomplete. XX/XX/XXXX - At XXXX XXXX, I called and spoke to XXXX # XXXX about the missing documents for our mortgage assistance. After review of our record, XXXX stated that one of the bank statements that we sent was missed by Carrington so XXXX sent both statements to her supervisor for follow up. She also stated that they are saying that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my upcoming XXXX payments doesnt match my XXXX XXXX XXXX ( before the XXXX ). She said that they are requiring further documentation of my pension. XXXX advised me to attach my old XXXX award letter showing BOTH the XXXX award and the lower XXXX award of {$1300.00}. Regarding documentation of my State of Florida XXXX XXXX, my check has been {$1000.00} since XX/XX/XXXX and my award letter matched all my bank statements so this was a ridiculous request. For this reason, on XXXX advice, I included both our XXXX bank statement as well as all activity on our account up to date ( XX/XX/XXXX ). XX/XX/XXXX - At XXXXXXXX XXXX, on XXXX recommendation, I sent the additional documentation via email XX/XX/XXXX - I received another letter from Carrington dated XX/XX/XXXX once again stating that they never receive the required documentation. XX/XX/XXXX - ( XXXXXXXX XXXX ). I called Carrington asking for a supervisor and got a very nasty and condescending supervisor named XXXX # XXXX. Numerous misrepresentations were made by XXXX and it appeared that her job was to impede my ability to obtain help rather than facilitate it. From the start, she was not transparent or forthcoming about anything. XXXX told me that they still needed documents for my Mortgage Assistance Application. XXXX went through the bank statement and advised me that I did not send 2 months of bank statements. She said that I only sent one statement and the XXXX bank activity printout. She refused to listen to me that I had actually sent 3 bank statements ( XXXX, XXXX & XXXX ) and a printout of all subsequent activity. I told her that I did this on the advise of another employee. Finally, after an hour of trying to get her to understand and without admitting that she found the 3 statements, XXXX said that she would send an email to the department explaining the situation. XX/XX/XXXX - I received yet another letter dated XX/XX/XXXX from Carrington, stating that they have received additional documents provided by me but our loss mitigation application remains INCOMPLETE. When we applied for Mortgage Assistance, we were told it would take 30 days. I was also told that I had 30 days to submit all documents or my application would become null and void and Id have to reapply. The application was submitted on XX/XX/XXXX. It is now XX/XX/XXXX and due to Carringtons negligent handling of documents and willful deception, our application will expire in 5 days, while foreclosure proceeds. FURTHER OBSTRUCTION Lastly, when we originally called Carrington on XX/XX/XXXX and advised that our home had been damaged, we were never told to open a claim with XXXX XXXX XXXX ( XXXX ). On subsequent calls, we were never told to open a claim to get our insurance money. It was only when I received 2 small checks from our insurance company that I learned that I had to first open a claim with XXXX who is handling loss mitigation for Carrington, thereby further delaying the dispersement of my funds and the repair of my home. XX/XX/XXXX I spoke to XXXX # XXXX and asked for instructions to remit insurance checks for damages. He advised that they could not process my insurance checks until their XXXX package was received. XX/XX/XXXX - I received a Carrington Claim Packet via email. XX/XX/XXXX ( XXXXXXXX XXXX XXXX I sent ONE email with all 3 signed and completed documents in the claim package 1 ) 3rd Party Authorization for our PA ( Total Claim Source ) 2 ) Borrowers Declaration of Intent to Repair 3 ) Insurers Estimate of Damages XX/XX/XXXX - XXXX sent insurance checks along with 3 additional printed copies of the required documents via overnight USPS XX/XX/XXXX- I received a letter dated XX/XX/XXXX from Carrington Mortgage stating that they still required our Insurers Estimate of Damages which was emailed over 2 weeks before and physically sent via overnight mail. XX/XX/XXXX XXXX XXXX XXXX, I called Carrington mortgage and spoke to XXXX # XXXX, supervisor with Carrington Mortgage Services. I asked to speak to XXXX in reference to a letter I received. XXXX said that I was talking to XXXX. I advised her that I was told by XXXX that they were a contractor. She interrupted me saying that they were the same company. I explained that all 3 documents were attached to an email and that I didnt understand how they got 2 attachments but not the 3rd. XXXX interrupted me and spoke over me numerous times. I allowed her to explain her scripted answer over and over which was not responsive to my question. When I would try to ask a question, she consistently cut me off mid-sentence. XXXX was unprofessional and a rude and condescending bully which only heightened my anxiety and fear of losing my home. Both of us have gotten to the point of not being able to sleep at night as a result of Carringtons obstructive and antagonistic business practices. This lack of sleep could be life threatening for someone transporting XXXX pounds across the country. XXXX consistently evaded answering me when asked about numerous errors by Carrington. Finally an hour later, she told me that she had to transfer me to XXXX because they were a contractor for Carrington. She knew that XXXX was a contractor and deliberately tried to deceive me. XX/XX/XXXX - At XXXX, I finally reached XXXX XXXX # XXXX who advised me that the database shows that they did receive the insurers estimate twice and that it was indeed on file. She also advised me to call for an inspection because the balance of my insurance checks would be held until they inspected the home. I requested an inspection and was told that Id hear from an inspector within a couple days. XX/XX/XXXX XXXX XXXX XXXX I received a phone call from XXXX, an independent Roof Inspector. XXXX told me that his earliest appointment for an inspection to release my funds was XX/XX/XXXX ( nearly 4 months ). He said that some lenders will do a virtual inspection. XX/XX/XXXX - XXXXXXXX XXXX I called XXXX and was so thankful to get one of the few people that were helpful. - XXXX # XXXX. I told her that that they would not be able to inspect the roof until XX/XX/XXXX and that I just couldnt wait that long as I am displaced from my home paying close to {$1500.00} per month in storage and rent out of own pockets. Our insurance still has not paid a dime toward expenses and we advised Carrington of our additional expenses which are a direct result of this natural disaster. I also told her that Carrington is rapidly trying to foreclose on my home and I might not be here in 4 months. XXXX requested a virtual Inspection on my behalf. XX/XX/XXXX - XXXXXXXX XXXX I received a call from XXXX ( my XXXX file owner ). She told me that she will set up a virtual inspection and I will receive a call today or tomorrow with the information of where to send the photos. XX/XX/XXXX - At XXXX XXXX, I received a text message from XXXX XXXX XXXX advising me that she will be calling me to schedule an inspection. So Im back in the Carrington delay zone waiting to see how long it will take for her to come and inspect. SUMMARY In summary, based on representations made by Carrington, we believed that we could use the little money that we had to pay for storage of our belongings and rent a place to live so that we could begin to rebuild our lives. We never imagined, nor were we told, that they would immediately demand the back payments, ruin our credit and foreclose on our home. Carrington told us that : 1. The maximum forbearance they could give us was 3 months and that we could request an additional 3 month extension only after the expiration of the 3 months. 2. Mortgage assistance or modification would be available after the forbearance expiration. 3. There would be no late fees applied to the forbearance months 4. Payments missed during forbearance would not be reported as late to the credit reporting agencies. Carrington has a reputation in the debtors community for using criminal means to harm the borrower through deceptive acts connected to mortgage forbearance resulting from federal disasters. On XXXX XXXX, The Consumer Financial Protection Bureau ( CFPB ) received a consent order finding that Carrington Mortgage unlawfully withheld legally mandated pandemic protections, wrongly imposed fees, and reported false information to credit reporting companies,. It further determined that homeowners were misled and denied key protections at a time when they were in most need of help. As a result of the above consent order, Carrington Mortgage Services agreed to pay a {$5.00} XXXX penalty to the Consumer Financial Protection Bureau ( CFPB ) for improper practices related to the forbearance plans provided for homeowners during the Covid-19 pandemic. However, while settling that consent order, Carrington was continuing the exact illegal practices for which they were being fined. This establishes a pattern or practice of continuing violations and penalties should be assessed to compensate us for our mental anguish and emotional distress in addition to making us whole by repairing our credit and deducting all expenses related to the pursuant, illegal foreclosure. NOTE : I have documents but am unable to load them to your system but would be happy to email or send USPS. Thank you.
07/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • RI
  • 028XX
Web
XX/XX/XXXX To whom it may concern : Carrington mortgage tricked me into thinking my home was in forbearance all while processing a foreclosure. My home will be sold XX/XX/XXXX if someone doesnt listen and see how wrong this is. XX/XX/XXXX XXXX XXXX informed me that my mortgage had been sold to Carrington mortgage ; I got in touch with Carrington and informed them that I would be in forbearance for my mortgage for various reasons related directly and indirectly to COVID-19. I believe this was done online which was one of the options I was given about contacting them. Shortly after, I received a letter stating that my forbearance was accepted. In what I believe was late XXXX XXXX XXXX XXXX XXXXXXXX ( that is my best recollection of when it happened ) a man came to my house in a XXXX XXXX, asked my name and handed me a letter stating it was for me. The letter was from Carrington and they requested I call. I called them immediately and spoke with a representative ( I believe her name was XXXX ) ; we discussed my financial situation and decided that I was not in a position to resume my mortgage payments at the moment. I asked her when my forbearance was ending and shared with her that I thought it would be ending within the next few months because I had been in forbearance while with XXXX XXXX and it was my understanding that it would be ending soon. The Carrington rep. explained to me that when the loan came over from XXXX XXXX ( XX/XX/XXXX ) to Carrington my forbearance period began at that time. I unaware that this is how forbearance would work when a mortgage is transferred to another servicer, but the Carrington Rep took plenty of time to discuss this with me at length and reiterated my forbearance began when Carrington commenced servicing the mortgage. She assured me that my forbearance started in XXXX of XXXX. I took what she told me to be correct as I assume someone who works for Carrington should know better than I when they consider forbearance to have begun with them, and how those things work ; I admittedly know very little, this is my first experience with home ownership. Having some knowledge of the extensions that had been put on the COVID relief forbearance I knew I would have 18 months from XXXX XXXX. Within days I received communication that my forbearance was accepted ; I'm not sure whether this was online or by mail, but I did receive something stating that my mortgage was in forbearance. I would like to emphasize the following : Carrington Mortgage Services sent a man to my house to hand deliver a letter to me after confirming my identity by first and last name. This man did not work the United States Postal Service that I am aware of and drove a white pickup truck. The letter instructed me to call. Upon reading the letter I called Carrington Mortgage Services immediately and before beginning our conversation it was noted by the Carrington representative that the call would be recorded for quality assurance. At the time this note was hand delivered to me there were strict COVID restrictions in place and interactions between postal workers, delivery personnel and such were being replaced with other forms of communication, yet Carrington mortgage still felt it important enough to physically send somebody to my house. Following that call and subsequent to receiving a communication either by physical letter in the mail, or by way of my online Carrington account notifying me that my home was in forbearance, I have received monthly statements from Carrington every month each of them containing a statement within them that Is highlighted in red and reads : You are currently on a COVID-19 forbearance plan see additional information related to COVID-19 for parents on page 2. ( page 2 ) Important COVID-19 forbearance notice : You are currently on a COVID-19 forbearance plan. Please note that the billing statement shows the amount due which is the contractual amount needed to bring the loan current however you are not required to make any payments during COVID-19 forbearance. In addition your account will not be assessed late charges receive adverse credit reporting and there will be no foreclosure action taken during the COVID-19 forbearance. All of my statements ( mailed to me from Carrington Mortgage ) have the forbearance notice ( above ) on them ; I have located the following statements : For the year XXXX I have XXXX, XXXX, and XXXX ( all which include the above verbiage ) For the year XXXX I have XXXX, XXXX, XXXX, XXXX, and XXXX ( all which include the above verbiage ) Note : at the time of writing this ( XX/XX/XXXX ) I have not yet received XXXX statement which would have been issued on or around the XXXX of XXXX. On the evening of Thursday XX/XX/XXXX I received a letter in the mail from someone I did not know. The letter was an offer to buy my home before it is sold at the foreclosure auction. I would normally ignore this and assume it was a scam, however it occurred to me that my forbearance would be ending very soon and I should call Carrington and make arrangements to resume payments via a loan modification of sorts. Basically the letter I received reminded me that I did need to call them soon, before I received a statement from them that my home was not any longer in forbearance ; I did also fear that there was a chance because I wasn't looking right at my statement and I was unsure of the dates that I was just at the end of my forbearance and the reason that this person contacted me is they know ahead of time that I would be being sent to foreclosure or that I was in the very beginning stages of foreclosure. I did not at all really think that my house was being foreclosed upon as I had checked my last few statements when they came in relieved that I was still in forbearance. My son 's wedding is coming up I'm extremely busy at work. And the house keeps me busy because of the amount of updates and repairs it needs, I do them all myself to save money. I was admittedly distracted but every time I got that monthly mortgage statement I was relieved that I had another 30 days that I could breathe before entering into the stressful process of modifying my mortgage. XX/XX/XXXX Call to Carrington Mortgage On XX/XX/XXXX I called Carrington mortgage and spoke with a representative, I told her about the letter I received and ask her when my first mortgage payment will be due, or what the next step was because I realized that my forbearance would be ending soon. It was at that time that I was informed that my house was going to be sold via foreclosure sale on XX/XX/XXXX. At this point it became hard for me to speak - my middle son is getting married on the XXXX of XXXX in Wisconsin I have been unable to help with much of the wedding at all, I have not even bought a plane ticket I will be driving out to save money but I can not miss my son 's wedding. The anxiety induced by this conversation had me crying and carrying on and the representative was very kind and went over with me exactly where it was because I honestly still did not believe that I was to the sale end of foreclosure. I thought maybe she mis-worded something, so I made her go over it again so that we were clear. She explained to me that my house would be sold on XX/XX/XXXX. I asked her then, did the foreclosure process start months ago? The Carrington representative confirmed that it did, it started in XXXX when they mailed me letters, when they got no response it was sent to a lawyer in XXXX, and the process was begun in XX/XX/XXXX. I was trying to figure out how I could have been so off, how I possibly went six months miscalculating what was going on. My brain was swimming I couldn't even make a thought there was no way I had any idea this was going on, I was under the impression it would be coming soon and I needed to get in touch with them and that's what I did. The representative tried to calm me down as I was crying pretty hard and shocked. She said we can put you in for a loan modification that'll take five days I'm doing the quick math in my head saying I only have 25 days and there's no guarantee that I'll even get approved to start the process of loan modification and then there's no guarantee that I'll get approved for that which was making me panic and at some point the anxiety just became overwhelming there was nothing more to say I just had to get off the phone because I couldn't think straight I couldn't figure out how I didn't know this was going on. The representative assured me that she would at least start my loan modification and that I could call back in two or three days because sometimes you can get approved to begin the process within two to three days but that it normally took about 5. We discussed what that meant and how often she sees them approved, and what would be the types of things that I could get denied for. She informed me that if I had any liens on my house or there was more than one person who was not willing to participate - all situations which did not at all apply to me. End of call. While trying to figure out in my own head what happened now that I wasn't on the phone anymore I grabbed my most recent statements and that is realized why I though everything was fine all of those statements have a COVID forbearance statement - that is why I thought I had time it was with great relief when I would find the statement on my most current statement - assuring me that my mortgage was not being sent to foreclosure, that is why I thought I was still within my forbearance. Carrington stated that they had sent letters to me they didn't say how many, and they may very well have sent a letter but I know for a fact I did not sign for a certified letter I would have read it immediately had I. The issue being if your paperwork is not in agreement- it would be really important that you make sure someone who is unresponsive is actually getting the letters that are in direct contrast with other paperwork the same company is sending. I don't have the letters saying it was going into foreclosure and that's not to say that they weren't sent but it does seem strange that while they assure me they were sent, my statement saying something completely different then the letters that were sent made it to me just fine. And then over the course of five to six months my home was being foreclosed on and no one noticed that I was being told it was not with each and every monthly statement? Further that no foreclosure action would be taken. On a side note whether legally required or not if you send a guy to my house to get me to call you and I'm definitely in forbearance you were just trying to make contact during a time when contact was limited then how can you foreclose on my home without sending somebody or at least sending a letter I need to sign for so you're sure I received it? I just don't understand that? This is my home, it's not a business transaction to me, it's where I intend to grow old, and play with future grandkids, I have poured every piece of myself into this house and I never would have let it to go foreclosure knowingly. It's my family home. On XX/XX/XXXX I placed two more phone calls to Carrington and spoke with two somewhat rude representatives one of them actually raised their voice and yelled at me I was calling to clarify why my statements say one thing in theyre telling me another thing - I havent received a letter saying I'm being foreclosed on, I have my statement saying I'm not ; it became apparent they really didnt think what my statements say mattered. On Friday XX/XX/XXXX I called Carrington mortgage again to confirm that they received the mortgage statements I sent over. These statements were requested by the person I spoke to on my third calls to them on the XXXX. I wanted to be sure they had them - the rep confirmed receipt and stated my loan was being placed under review to see if I am eligible for loan remodification, and that they wouldn't have any answers for five days since that was done. Still no one has answered my question, how can any mortgage company send out a monthly mortgage statement- of which I have for ( XXXX XXXX ) - every single one of them containing the mortgage forbearance statement, clearly reassuring me that my house is not in foreclosure and yet in the background they are foreclosing on my home. This couldn't have happened at a worse time I am beside myself I feel like my home is being stolen from me and my family. I'm hoping someone can do something to get them to see that they are at least partially responsible for this and backtrack my mortgage to work with me on a loan modification. Thank you for your time. XXXX XXXX
01/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 63031
Web
Originally my loan was through XXXX XXXX and in XXXX, I did a loan forbearance due to the fact, that I worked as a bartender in the hospitality industry, and the government had a manditory shut down of all bars and restaurants. In XXXX I agreed to start making payments again because I was back to work and that is when XXXX XXXX, sold my loan to Carrington. Almost immediately I received a phone call from Carrington, stating that I was delinquent and it would take {$10.00} XXXX, ( which was the amount that I owed from the forebearance ) in order to become current on my loan. ( Prior to this phone call I was under the assumption that the portion of the loan I was behind on. due to the forebearance, would be put on the end of the loan causing a balloon payment. Or I could just make extra payments through the duration of the loan to catch up. ) Basically I would lose my home if I didn't pay the {$10000.00} within the next billing period. After draining my bank account ( I am a bartender/server- it took me working 2-3 jobs to cover bills and make sure my XXXX teenage kids had everything they needed ) and falling behind on all my other bills, I was able to get them the money. This ruined me, XXXX was practically non-existant, as presents were a luxury and I had no choice but to work to try to keep up with bills. This would effect me and my family until this very day. Eventually I began struggling to make payments and fortunately there was a government mandate against foreclosures. Promptly at the beginning of XX/XX/XXXX, I received a notice that my house was set for auction on XX/XX/XXXX. I called Carrington asking how to stop the foreclosure process and was told short of paying the {$5000.00} there was nothing I could do. I got a card in the mail from a company stating they could stop the foreclosure process so I called them. I began working with that company until they told me that I had to pay them {$3000.00}. ( This sent up a red flag for me, I had heard of predatory companies taking advantage of home owners falling on hard times. ) But prior to telling me the cost of their help they had told me to file XXXX XXXX. So I went and filed XXXX XXXX. About a month later I received a letter stating it was declined because I had not taken a credit counseling course. As we were figuring out what to do on XX/XX/XXXX at about XXXXXXXX XXXX my fiance had lit a candle in the master bedroom and ended up walking out of the room and went to the basement to switch laundry over and I was getting my daughter up for school. I noticed that the house was kind of smokey, but figured that the fireplace chimney flu XXXX have not been all the way open. I went to the living room and checked the fireplace and noticed the light from the master bedroom. Realizing that it was a fire I had to get the kids and the dogs out of the house and my fianc and I were able to successfully put the fire out as the firetrucks were arriving. By XXXX the insurance company and my public XXXX had most things figured out. In XXXX I also again filed XXXX XXXX. In XXXX I sent the contractor bid for repairs and other information they requested via thier losstrak portal ( and updated all my contact info ) and sent the insurance settlement check to Carrington. Originally, when I called and spoke with someone from the loss draft department I was told that when they received all of the paperwork and the settlement check for repairs, they needed, that it would take a week or two to process everything. They would then send out the first dispersement check automatically and that the check would take up to another week to get to me and I asked if they could take out the money that I was behind out of the check and was told that they could do so. So I waited and after a few weeks with nothing I called and was told that my case manager would call me back with in a day or 2. So I waited and on day 3 I called only to find out that I didn't have a case manager and that the check had not been processed yet. When we checked the losstrak portal we were not able to sign in any longer. After a series of phone calls, I was finally told that I had to request the dispersment check and that they could not take the payment for what I was behind out of the check. At this point we are in late XXXX early XXXX. Right about that time I recieved another foreclosure sale notice. I called Carrington again and was told that I could apply do a loan forebearance and that I would have to call back to make sure it went through in a few days. had tried contacting me without response. That didn't make sense because I was waiting for the call. So I asked what number they had for me. When she read it off, I did not recognize the number so I again updated my phone number. I also asked if there was a number to the inspector so I could call them and was told no. Eventually the inspector came and about a month after that I recieved the second dispersment check. At this time is was XXXX. Around mid to late XXXX I called to request another inspection. Never hearing from the inspectors I would call Carrington again and again. I even gave them my fiancs ' father 's number to make surae that they would get ahold of usl ( partially because the area around our house was getting little to no cell signal which I also explained to them ). The back and forth went on for weeks. Finally just before XXXX I called Carrington XXXX. service and after a very lengthy phone call explaining all the run around and my frustration, we realized that again they had my phone number wrong. The one they had listed was an old line, but was not even any of the numbers I had used to update them in the past year. I was told that the Customer service manager was going to get ahold of the Loss draft manager and they were going to figure this out. Finally I got in contact with the inspection agency and an appointment was scheduled for the inspection on XX/XX/XXXX. I was home all day XX/XX/XXXX and no one showed up. When I called the person that I set the appointment with I was told that the inspector called me twice and left voicemails when I didn't answer so she went to her next appointment. After checking my phone I realized that I didn't get any voicemails from their inspector. So the next appointment couldn't be scheduled until XX/XX/XXXX because that was when she would be back in my area. Prior to the appointment I was assured that the inspector would be here even if I didn't answer the courtesy call. The day of the inspection I was home all day again and again no one showed up. When I inquired via text message on why no one showed up I was told that the inspector called me that day and spoke with me and I assured her I would be home but when she came and knocked on the door I didn't answer. And that the inspection company no longer had the order so I would have to reorder the inspection from Carrington. When I told them that I never spoke with the inspector and that no one came by because I have 2 large dogs that bark at someone a mile down the street much less someone knocking on the door. And asked if they had the correct phone number and property address. Then I got no further response. So we called Carrington again trying to set up the inspection asking for a different inspector, then waiting up until right after XXXX specifically XX/XX/XXXX when I was told that they were going to get it figured out and get a phone number for the inspector so that I wouldn't have to wait for the inspector to call me, I could call them and avoid any further delays. I also explained how the previous inspector simply lied about speaking with me, and lied about knocking on my door. ( At the time, I just couldn't understand why they would avoid the inspection or lie about showing up altogether. ) I was told that I would hear back from them in 24 hours. However almost a week would go by without a single call, message or anything else. And when I called to see what was going on, I was told that the claim was canceled due to our home being sold - on the XXXX of XXXX the same day I was told to wait for a phone call. And I have to believe that we were strung along until they sold our home, so they would not only leave us homeless, but make sure that the only chance we had at saving ourselves would also be eliminated. This whole time, while we are trying to get our home repairs done and over with, we are under the assumption that, because all we had to do was ask for a forebearance the 1st time, ( no contract or paperwork to be signed, nothing ) that when we called and stated that we were calling to extend our forebearance, although we were supposed to receive a phone call back about the extension, that obviously it was something that was done by simple request previously, and with XXXX past inability to return/make phone calls, we atleast felt that we could assume they knew we had called about extending the forebearance, and thus, would extend it. Previously, when we requested a forebearance, we were asked if we wanted it, I said yes, was told about the length and that was it. There was not a single form, document, signature, nothing. So I didn't even feel it necessary to bring it up. And I was told I would receive a call back from a specialist, that in itself was proof enough that I called requesting a forebearance extension. Multiple times through this process I was told my case manager would contact me but no one could ever tell me who my case manager was. Everytime I called I was speaking with a different person. I feel like if I would have gotten 1 person to handle all this from thier side then the whole thing could have been expedited. So between that and the ridiculous waiting periods between calling and requesting an inspection and the moment that we actually recieved the dispersement check we were set up for failure. Not to mention the fact that no one could manage to properly update my contact info despite my multiple attempts of doing so. Then literally 2 days ago XX/XX/XXXX, I recieved paperwork from Carrington dated XX/XX/XXXX, and listed under the heading, " Contact '', was my address, email address and a phone number. The address and email were correct, but the phone number was a phone number that I had NEVER used, nor was it a phone number that is neither mine, nor my fiances. It's a ( XXXX ) area code! This kind of incompetence has been woven in throughout my entire history with Carrington. I guarantee i am not the only 'customer ' that would speak to this and its so very tragic that good, hard working people are losing everything due to a culture that doesn't seem to understand the importance of each and every correspondence- whether phone call, email or whatever- and how they all could mean the difference between living a life with some oeace in it, or being thrown into a living nightmare with no hope of waking up from it. Everytime I would talk to someone at Carrington along with them stating that they are a debt collection agency and they would ask if my intentions were to keep the house and I would say yes. So I can't help but to feel as though this whole thing has been deliberate on their part and that they knowingly walked me off the plank all the while I so nievely believed that would have the decency to let me know that our home was going up for sale, on any of the 10 phone conversations we had during the weeks leading up to now, even talking to them on the day they would sell my home, when they told me i would be recieving a phone call about an inspection, an inspection that they obviously KNEW wouldn't hapoen by the end of that day. That is pure evil. The person that told me that was most likely staring at a computer screen, a acreen that undoubtedly contained information that, if passed along to me, couldve saved my home. One simple act of decency, in what has been an ocean of ignored phone calls, inept customer service and confusion followed by more confusion, could've saved my family from this utter heartbreak. I just pray that this isn't how the story of this home, my grand parents home, and now mine, ends. Thank you and XXXX Bless, XXXX XXXX XXXX
11/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • NJ
  • XXXXX
Web Older American
I started working with XXXX XXXX on XX/XX/XXXX I was coming out of bankruptcy I insulted Carrington mortgage about my intent at this time they knew that I had applied to the state of New Jersey for these Covid funds, but I think they got too anxious, and did not want to wait so they offered me a restructuring plan of their own whereas I would have to pay them back. I told him at that time, that why I appreciated them trying to help me out, but I told them that I was very close to a positive commitment from the state of New Jersey of which day agreed. They reached out to XXXX XXXX XXXX though their company. but in the meanwhile generated papers to see if I would except their proposal, which I did not, and they knew why.. if I had excepted their proposal, my mortgage would have went up, but my interest rate would have stayed favorable, but I have been in my house almost XXXX years and mortgage payments do not go up when a person is living in a home, Its a FHA mortgage and it is not a variable ratemortgage, and payentsshould go down as XXXX lives in their home. I had been in contact with a XXXX XXXX which is a senior person in Carrington located in California offices. On XX/XX/XXXX he had suspended the paper work to modify my loan with Carringtonhad sent out and he decided to wait on the funds from the state of Nj and his company entered in a bindingcontract with thestatewhereas every transactionon my account would be paused until The state of New Jersey would settle my account .which in XXXX was due XXXX. The state of New Jersey asked Carrington to send this figure to them which they did. on XX/XX/XXXX. I knew my application from the state have been assigned to an underwriter and I made sure that I kept in contact with Carrington every week to tell them this is all that I knew at the time. I also at the time I had XXXX XXXXset aside in escrow which I was told would be available once my account was settled, and was supposed to be there to be available to me to apply to a mortgage payment when everything had been settled between the state of New Jersey , and with Carrington . On XX/XX/XXXX at XXXX XXXX in the morning I spoke to a XXXX, atthat time she told me that I had paid {$5500.00} that they were holding in suspense. and had not applied this money anywhere at this time this was mortgage money that I had sent in and they were just holding it. at that time she also told me that they had received the figures that have been transferred over since the bankruptcy was dissolved, and I told her that I needed to stay in touch with somebody that works with the XXXX XXXX and Carrington so I can find out what was going on. At XXXX XXXX I spoke to XXXX and this was also on XX/XX/XXXX. I explain to her the whole scenario then she passed me over to another guy name, XXXX who said that this situation was to be sent over for escalation, so that the right people would know what was going on. There suggestion was to wait a little while before checking back in, because all I knew that my case with New Jersey was in underwriting. On XX/XX/XXXX. I called and told that the people in the back in had my information. XXXX I called again to touch based with the backend crew at Carrington namely with XXXX XXXX XXXX , but was told he was not available and spoke to XXXX at XXXX XXXX she could not really get a grasp on what was going on so she passed me to another person XXXX at XXXX XXXX on XX/XX/XXXX. I also told him at this time that the state had sent the request to Carrington mortgage to ask them for the documentation and how much money I/O so they can send them the money. XXXX XXXX at this time said he did not know what was going on, but he would also send this information to the escalation department at Carrington Mortgage. Then I was passed to another person a XXXX that identified himself as a as a special servicing, senior specialists of the company. But he could not give me no answers whether Carrington had answered the state of New Jersey or what was going on. On XX/XX/XXXX I spoke first to a XXXX, which answered the phone around XXXX XXXX, but had no answer and I was advised to call back On XX/XX/XXXX I spoke to XXXX that identified herself as senior management of Carrington also and she said that Carrington had responded to the state and given them the figures that the state had requested so that when matters were settled, the money could be wired directly to them. I spoke to XXXX at XXXX XXXX on this day. Duringthis time every week I kept up and stayed in contact with the state of New Jersey. I am with Carrington to make sure that they both knew what was going on with one another and especially to make sure that Carrington stayed abreast of what was going on in my life. On XX/XX/XXXX at XXXX XXXX on this day I spoke to a XXXX anothersenior person at Carrington mortgage. And after a conversation with him he could not ask give me any more answers I later called back and spoke to another person XXXX at XXXX XXXX on XX/XX/XXXX. At that time, XXXX assured me that I had {$1700.00} in escrow that was sitting there and when the matter finally close that I could use that toward a month mortgage payment, when the state of Nj settled with Carrington on my behalf. Also on XX/XX/XXXX Carringtonmortgage chose to run an escrow analysis on my account. As an LLC they had no right to do this. I had checked with provisions from the state of New Jersey because they had signed a contract with the stateto have my mortgage on pause until settled. I have also check with my rights with the. the New Jersey Banking Comission ; but they did what they wanted to doanyway. I do believe that none of the departments in that LLCinteract with one another in unity as a company. Also in XXXX I received a refund back from my homeowners insurance on my house so I know that the people at Carrington are not paying attention. I am watching very carefully whats going on and in order for them to remain reputable they should too heres what happened to me as follows. 1.message : On Wednesday, XX/XX/XXXX, XXXX XXXX XXXX wrote : Hello, Thank you for being part of XXXX XXXX and for contacting us. We want to assure XXXX XXXX XXXX your customer is not at fault for depositing a check for {$620.00}. Her mortgage company Carrington Bank paid her home insurance policy XXXX so we automatically issued a refund check for XXXX of the payments, which is the check she deposited. Carriginton mortgage then placed a stop payment on XXXX of the extra payments so we in turn placed a stop payment on the refund check. If you have any questions or concerns, please call us at XXXX Monday - Friday, XXXX - XXXX XXXX for immediate assistance. Mortgage companies : Please email your request to XXXX or fax to XXXX 2.Then I also received a letter from Carrington that states : Carrington Mortgage mortgage services, lic NIMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Please provide insurance information for : Dear Our records show that your hazard insurance policy expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. Your mortgage loan account will be charged for any period during which the insurance we buy is in effect but you do not have insurance. You should immediately provide us with your insurance information. Please ask your agent to either fax us a policy declaration page at ( XXXX ) XXXX or by mail to the address shown below. You may also provide the documentation via the internet at XXXX XXXX XXXX by entering your unique identifier provided in the bolded box below. Please ensure that the documentation references your loan number listed above and that the Mortgagee Payee Clause reads : CARRINGTON MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The insurance we buy. May be significantly more expensive than the insurance you can buy yourself. May not provide as much coverage as an insurance policy you buy yourself. If you have any questions about this letter, please contact us at ( XXXX XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX Central Time. Sincerely, Insurance Department XXXX XXXX ( Please see the attached for additional information regarding this request ) XXXX. I received this from the insurance company today : XXXX XXXX XXXX XXXX XXXX XXXX Today XXXX XXXX XXXX XXXX Policy is active and paid in full in good standing Sincerely, XXXX XXXX. On XX/XX/XXXX I signed papers to transfer the funds to Carrington mortgage. They received a total of {$17.00}, XXXX My mortgage payment should be {$1800.00} which should start on XXXX XX/XX/XXXX. Now I was told that I had {$1700.00} that I would be able to apply toward this payment when I settled. On XX/XX/XXXX Icalled to tell Carrington that they should receive the proceeds soon. Which was over the amount that they said that I needed to pay. At that time I spoke to XXXX and it was XXXX XXXX in the afternoon.. she advised me to wait a week then call back because it was too soon to see if things had settled. I also asked to speak to XXXX XXXX which was suddenly not available even at his extension. I was also told at that time they had ran another data analysis, but it was run based on information, as if I had taken that loan modification from their company, and not based on the view of the FHA. As of yet he has not responded directly to me, but supposedly has passed messages through other people like XXXX, which I spoke to on XXXX XXXX. she also claims she was a senior person at the mortgage company, but had to keep running back-and-forth to supposedly ask him what to tell me. I was also told on this day that they took my {$1700.00} and pay my escrow taxes which they should not have done because that money should be there for me and it was not for their use at all. That does not express integrity on their behalf and that money should be there available for me because they have gotten what to do them from the state of New Jersey and they had no right to take that money. I want that money returned to me immediately.. I was also told I need to pay an extra {$120.00} for some thing on collectible. I dont know what thats for an itemized bill for all of these transactions they said we cant do that. We have to send you a data analysis. I do not want to be hoodwinked by this company. I want my mortgage to be at the rate that it supposed to be which they told them which is supplied on the paper from the contracts that I signed from the state between them which should be {$1800.00} every month and I want my {$1700.00} return to me so I can apply it to my mortgage as I was told.. this information will also be reported to the FHA, the New Jersey Banking Comission , and other concerned parties. I just want this company to be fair, and stop harassing people.
06/20/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 92307
Web
I apologize in advance for this long complaint. Our loan was bought out from XXXX XXXX XXXX by Carrington Mortgage and unfortunately it has not been pleasant. My first experience with them was when creating an account I chose paperless billing as I had with XXXX XXXX XXXX because our mortgage payment is automatically sent by our bank every month. One day I logged in to check something and I saw that the payment amount was higher which was alarming because I never received a notice in the mail and I had been paying the amount that was known to me to be the current payment amount for a few months after the payment amount had been changed. I immediately made a payment for the difference for that month and called and was told by customer service that a new escrow analysis had been processed and because I had signed up for paperless billing the escrow analysis is not sent by mail. I was worried about a negative reporting on our credit and she said because the difference was not a large amount they just continued to process the payment. I am grateful for that but if I had not logged in to my account my payment would have been short for months and I do understand that it is my fault for not logging into my account and seeing the update earlier. XXXX XXXX XXXX did my escrow analysis at the beginning of every calendar year which was what I was used to and they sent a paper notice in the mail advising me of the change despite having paperless billing. So needless to say I am back wasting paper because I do not want to miss out on important changes to my mortgage like I did before. So even though I missed the change that made a bad impression on me but what could I do because this is now my new mortgage company. So this past month I received another escrow analysis for XX/XX/XXXX to XX/XX/XXXX and my payment was again increasing. When reviewing my homeowners insurance policy I noticed that the amount on my escrow analysis was {$740.00} and the policy amount was {$720.00}. I did make a change on my policy that dropped the payment to {$720.00} before the policy renewal was due. So I called to see why the escrow analysis was not reflecting the correct amount. The first person I spoke with was a lady in the escrow department and she did not see that the policy amount had been changed so she called the insurance department and we had a conference call. The second person I spoke with on the conference call was a gentleman who was not friendly at all and he told me that Carrington paid the insurance policy 45 days in advance of the XX/XX/XXXX due date for {$740.00} even though they received the amended declaration showing the new amount of {$720.00} in XXXX before the due date. He then proceeded to tell me that I needed to make a payment back to them to refund the {$27.00} that was overpaid because the escrow analysis will show what they paid as being the correct amount because that was what was paid even though they had the amended declaration showing the adjusted amount. The lady disconnected the call with the insurance department and told me she was a little confused because he did not explain himself well but once the refund of {$27.00} is mailed to wait 15 days and then call in and they can do another escrow analysis because the increase in my insurance payment is what caused my mortgage payment to go up. I asked her wouldnt the insurance company send Carrington a refund for the overpayment since they were the ones who made the payment. She said no that they would send the check to me which I thought was a little different but I didnt question her. So she said I could pay the overpayment amount myself at that time but if I paid over the phone or online there would be a fee for the payment so it would be better to mail it in. I told her I would call my insurance company to see if a refund check was mailed and asked her what the address was for the check to be mailed to. She gave me an address is XXXX, Ca. I then called XXXX, my insurance company, and spoke with a lady and she said she would send a note to the accounting department with the updated address because it showed they sent the refund check to Carrington in XXXX. She said the refund check would not be mailed to me because Carrington made the payment, which is what I thought. She said to call back on Friday as it was Wednesday, to see if the check was mailed out. I did not have the time to call back until the following Tuesday but before I called XXXX, I called Carrington again because I still was not understanding the reasoning during my initial call the previous Wednesday. So I explained my concerns to the lady that I spoke with, which was now the 3rd person I had talked to, about what I noticed on my escrow analysis. I also told her that Carrington has been nothing but a hassle since they bought our loan. There is an escrow cushion of over {$400.00} built into my escrow payment and with XXXX XXXX XXXX I could ask for the cushion to be removed and just to include the exact amount in my escrow payment that would cover the bills being paid out of my escrow account. She said that she was sorry but the escrow cushion is required and then proceeded to tell me as well that I needed to make the payment for {$27.00} and that if they reran my escrow analysis now my payment would go up again because the escrow account would be short which made no sense at all. If my insurance payment was actually cheaper then my payment should go down and if they reran the escrow analysis at that moment with the {$740.00} amount that is currently on the escrow analysis the payment would be the same because there are no changes to the account but I didnt question her. She then said I could pay over the phone and I told her I was advised that I was told I would have to pay a fee and she said that there are ways around that because a supervisor could waive the fee because of what was going on. I told her that I was never told that by the first two people I spoke with and that I was told if I mailed it in that I needed to wait 15 days and then call to have the escrow analysis reran. She said she did not that I should not wait 15 days because I need to have the escrow analysis reran as soon as possible so my payment amount can be adjusted. I told her I would call the insurance company to check on the status of the check. I then called XXXX and explained that I was checking to see if the refund check was mailed to Carrington. She then said that they did not send a check to the address I gave them in XXXX because the accounting department said the refund check was sent to an address in XXXX XXXX, Texas and was cashed on XX/XX/XXXX. At this point I was pretty upset because I could see that I was getting the run around from Carrington. I got the complete address of where it was mailed to and the reference number and called Carrington again. So the 4th person I spoke with was XXXX. I explained to him that my escrow analysis had the incorrect amount for my homeowners insurance and that I was instructed to send in the difference before my escrow analysis could be rerun but Carrington had actually received the refund amount and cashed it 6 months ago. So I asked why was the incorrect amount being shown on my escrow analysis and the correct amount for my insurance not being reflected on my account. He looked over the account and confirmed the refund was applied to my account in XXXX. He then said it was put back in my escrow account so that money was included when doing my escrow analysis so my escrow analysis was correct. I told him I can understand that the money refunded was included in my escrow analysis but the amount of my insurance being used to come up with the escrow amount was still incorrect. He did not understand what I was saying and again told me what he had just stated about the refund money. I asked him to pull up my escrow analysis so we could look at it together. When he pulled it up I asked him to look at the amounts listed for the next cycle of payments for XXXX that they totaled up and used to get the amount needed for escrow. He then understood what I was saying and said he needed to put me on hold and he was going to call the insurance department. After a few minutes he came back on the line and said that he reached someone and she could see that the refund was received and they had the amended declaration but she did not know why the correct amount was not updated and he asked me to hold again to see what she could do. When he came back on the line he said she was able to make the change and I needed to wait 24 hours because it doesnt update immediately on the escrow side and so to call back on Thursday then I could get a new escrow analysis done. I asked if she explained why the refund that was received 6 months prior was never applied to reflect my correct insurance amount. He said she said she did not know. So I am hoping when I call in again tomorrow and talk to the 5th person about this that I can get a new escrow analysis and this saga will be over but I am filing this complaint because Carrington Mortgage obviously has some serious issues with their company that need to be resolved. My issue would never have been an issue if they would have updated my account properly 6 months ago. They have no issue cashing checks promptly and raising mortgage payments and adding exorbitant cushions for possible increases but when calling for help to rightly lower a payment no one understands what you are talking about and you have to jump through hoops to get it done. They dont even have the correct address for payments apparently since the check sent to Texas was cashed even though it didnt get sent to the XXXX address. Every person I spoke with was very adamant about making sure the refund was sent to Carrington before they could do anything even though they had an updated declaration and they had the money the whole time. Why could they not see that, especially the insurance department? Why did I have to find out from the insurance company and then call and make them see that the payment was applied? Why do I have to take time out of my day to call over and over again to have them do their job correctly? When I started reading reviews online about Carrington everyone who has had their loan bought out by them is very unhappy with how they handle their business. I truly hope my husband will look into refinancing so we can dissolve all ties with Carrington and get a company that deals with their customers honestly and knows how to do their job properly. With all of the bad things in the media some years ago about XXXX XXXX XXXX I never had issues like I have had in this short time with Carrington. Carringtons message when you call says they are a debt collector and that is truly what they are and they treat their customers accordingly.
12/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Loan estimate or other related disclosures
  • MD
  • 20708
Web
Dear Carrington Mortgage Services , LLC . ( Carrington ) As servicer of the subject mortgage loan, Carrington shall treat this as a Notice of Error pursuant to the Real Estate Settlement Procedures Act ( RESPA ), subject to the response period set out in Regulation X, 12 C.F.R. 1024.35 ( b ) ( 1 ) - ( 11 ), and as a Request for Information pursuant to Sections 1024.35 and 1024.36 ( d ) ( 2 ) ( i ) ( B ). Please note the same written inquiry from a borrower or borrowers agent can both dispute a servicers action and seek information, and that therefore, a request for information and a notice of error can be contained in the same writings or sent as separate writings. See Amini v. Bank of Am. Corp., 2012 WF 398636 ( W.D. Wash. Feb 7, 2012 ) ; Luciw v. Bank of Am. , 2010 WL 3958715 ( N.D. Cal Oct 7, 2010 ) ( statute is drafted in the disjunctive so that request for account information alone, without statement that account is in error, is a valid qualified written request ) ; Goldman v. Aurora Loan Servs. , L.LC., 2010 WF 3842308 ( N.D. Ga. Sept, 2010 ) ( same ) ; Rodeback v. Utal Fin., 2010 WL 2757243 ( D. Utah July 13, 2010 ) ( same ). I am in receipt of the letter from Carrington dated XX/XX/XXXX, in response to my complaint to the CFPB. Carrington submitted a Note and Deed of Trust dated XX/XX/XXXX, claiming that as evidence that the loan is legitimate. The loan purports to be FHA insured. FHA requires that the servicer offer the borrower a Face to Face meeting prior to moving forward with any foreclosure proceedings. I did not receive such a letter. If Carrington claims such a letter was issued, then I request that letter be provided to me with proof of it being issued to me as required by FHA. Via a letter dated XX/XX/XXXX, Carrington issued to me copy of the 1003 claimed to be signed by me and used to originate this subject loan. The 1003 contains no income listed. The 1003 also reflects that I was to get {$6600.00} in cash back at the settlement. Carrington also provided a document that reflects Borrower Income Documentation as Stated Income. I never received any cash out from the refinance as reflected on the 1003. Please provide proof of the check that would have been issued to me via this refinance. I also require a copy of the final HUD1. I have reviewed FHA underwriting guidelines and FHA requires that income documentation be provided. I request an explanation as to how my loan was approved to be FHA insured when FHA prohibits stated income loans. I require a copy of the 1003 that was provided by XXXX XXXX XXXXXXXX to FHA. Carrington, you claim the current owner of my loan is XXXX XXXX, XXXX, however, I did not ever receive notice of this change in ownership. Regulation Z ( 15 U.S.C. 1641 ) 131 ( g ) of the Truth in Lending Act ( TILA ), which was enacted on XX/XX/XXXX, as Section 404 ( a ) of the Helping Families Save Their Homes Act. TILA Section 131 ( g ) became effective immediately upon enactment and established a new requirement for notifying consumers of the sale or transfer of their mortgage loans. The statute requires that a purchaser or assignee that acquires a loan to provide the disclosures in writing no later than 30 days after the date on which the loan was sold, transferred or assigned. I have never received any notice that anyone other than the originator of the subject loan was the owner of my loan. I require copies of all notices that were required to be provided to me pursuant to TILA. In XX/XX/XXXX, the Bureau issued several final rules to address the systemic problems in the mortgage servicing industry to implement protections for borrowers with regard to mortgage servicing. These new rules amended 12 C.F.R. Part 1024, RESPA ( Regulation X ), and became effective on XX/XX/XXXX. Notably, under RESPA, [ l ] oss mitigation option means any alternative to foreclosure offered by the owner or assignee of a mortgage loan that is made available through the servicer to the borrower. 12 C.F.R. 1024.31. This definition was intended to be expansive, encompassing not just loan modifications, but also forbearance plans, short sale agreements, and deed-in-lieu of foreclosure programs. Loss mitigation application means any oral or written request for a loss mitigation option that is accompanied by any information required by a servicer for evaluation for a loss mitigation option. Id. Under RESPA, [ s ] ervicer means a person responsible for servicing a federally related mortgage loan ( including the person who makes or holds such loan if such person also services the loan ). Id. Servicing means receiving any scheduled periodic payments from a borrower pursuant to the terms of any federally related mortgage loan, including amounts for escrow accounts... and making the payments to the owner of the loan or other third parties of principal and interest and such other payments with respect to the amounts received from the borrower as may be required pursuant to the terms of the mortgage servicing loan documents or contract. Id. Carrington is a servicer pursuant to RESPA. CFPB regulations effective XX/XX/XXXX, as well as RESPA itself, require servicers, through amendments made by the Dodd-Frank Act, to take timely action to correct errors relating to avoiding foreclosure, suggesting that borrowers should be able to assert under RESPA errors related to loss mitigation. See 12 U.S.C. 2605 ( k ) ( 1 ) ( C ). Thus, CFPBs new provisions are relevant to this this Notice of Error, and pursuant to these new provisions, I request Carrington process this Notice of Error as follows : The servicer must acknowledge receipt of a notice of error within five days ( excluding holidays, XXXX, and XXXX ) after receiving the notice, rather than the twenty business day period under the former law. See Reg. X, 12 C.F.R. 1024.35 ( d ) ( effective Jan. 10, 2014 ). Alternatively, the servicer need not provide this acknowledgment or otherwise satisfy the compliance requirements if it corrects the error or errors asserted by the borrower, and notifies the borrower in writing of the correction, within the five business day period. See Reg. X, 12 C.F.R. 1024.35 ( d ) - ( f ) ( effective Jan. 10, 2014 ) Carrington is required to respond to and correct the above noted errors as it is a standard servicer duty. Under 12 U.S.C. 2605 ( k ) ( 1 ) ( C ) a servicer shall not fail to take timely action to respond to a borrowers requests to correct errors relating to allocation of payments, final balances for purposes of paying off the loan, or avoiding foreclosure, or other standard servicers duties. These errors on Carringtons part must be addressed and reconciled immediately, specifically, pursuant to Regulation X, 12 C.F.R. 1024.35 ( d ) and ( e ), Carrington has 5 days within which to acknowledge receipt of this request and must respond no later than 7 days. Carrington is further advised that, under recently-amended Section 6 of RESPA, Carrington must acknowledge in writing its receipt of this XXXX request within five ( 5 ) business days of receiving it ; to issue a substantive response to the requested information within thirty ( 30 ) business days ; and to reconcile existing irregularities or inconsistencies within a maximum of forty-five ( 45 ) business days ( The XXXX XXXX XXXX Reform and Consumer Protection Act allows for a 15-day extension only if I am informed about it and given the reasons for the extension ). 12 U.S.C. 2605 ( e ). A failure to comply with this request may result in fines of up to {$2000.00} plus any attorneys fees and costs. 12 U.S.C. 2605 ( f ). In addition, Section 2605 ( e ) ( 3 ) directs Carrington as the loan servicer to not report negative information regarding my account to a consumer reporting agency during the 60 days following receipt of the XXXX concerning overdue payments related to that period or to the XXXX. Please ensure that all copies of the following documents that Carrington provides are clear, legible, and copied in their entirety. I will check off the following items I receive from you as you provide them : Copy of the HUD1 from settlement ; Copy of the check from any cash out I received at settlement. Under RESPA, [ s ] ervicer means a person responsible for servicing a federally related mortgage loan ( including the person who makes or holds such loan if such person also services the loan ). 12 U.S.C. 2605 ( i ). Servicing means receiving any scheduled periodic payments from a borrower pursuant to the terms of any federally related mortgage loan, including amounts for escrow accounts... and making the payments to the owner of the loan or other third parties of principal and interest and such other payments with respect to the amounts received from the borrower as may be required pursuant to the terms of the mortgage servicing loan documents or contract. Id. Based on the representations made to me and the foregoing definitions, it is clear that Carrington holds itself out as the servicer of my loan and that its activities with respect to the loan meet the definition of servicing. Carrington is required to respond and correct the above noted errors as it is a standard servicer duty. Under 12 U.S.C. 2605 ( k ) ( 1 ) ( C ) a servicer shall not fail to take timely action to respond to a borrowers requests to correct errors relating to allocation of payments, final balances for purposes of paying off the loan, or avoiding foreclosure, or other standard servicers duties. These errors on Carrington part must be addressed and reconciled immediately, specifically, pursuant to Regulation X, 12 C.F.R. 1024.35 ( d ) and ( e ), Carrington has 5 days within which to acknowledge receipt of this request and must respond no later than 7 days. Be advised that RESPA and Regulation X provide a private right of action if a servicer fails to comply with the statute or regulation. 12 U.S.C. 2605 ( f ) ; 12 C.F.R. 1024.41 ( a ). I am a borrower entitled to the protections codified at 12 U.S.C.A. 2605 and 12 C.F.R. 1024.41. The mortgage loan subject to this action is a federally related mortgage as defined in 12 C.F.R.1024.2 and involves a consumer transaction at the time the loan was taken out by me. Carrington is a mortgage servicer subject to the mandatory requirements of 12 U.S.C.A. 2605 and 12 C.F.R. 1024.41. In conclusion, I trust Carrington will comply with the CFPB, TILA and RESPA requirements as Ive requested herein by correcting the errors noted, providing me with the name of the purported owner of my loan with evidence to support that claim and to cancel the schedule sale as we are under bankruptcy protection.
08/31/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08742
Web Servicemember
XX/XX/XXXX Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attn : Customer Research REF : Home Mortgage Account # SUBJECT : Request to Assist in Correcting Credit History To whom it may concern : We are respectfully requesting that Carrington Mortgage Services , LLC review our loan history. We are requesting that you assist us in making the necessary and appropriate corrections to our credit history and thereby restore our credit moving forward. This is in response to a conference call conducted on Thursday, XX/XX/XXXX with Carrington Mortgage Services Customer Service Manager XXXX and XXXX XXXX Customer Service Representative, XXXX. This is not our first mortgage or financial obligation. We have both had several during our adult lives. However, this is certainly the first that has negatively impacted either of our credit scores. Since the beginning of our financial dealings with Carrington Mortgage in XX/XX/XXXX - XX/XX/XXXX, it has definitely been a rocky road despite numerous conversations with Carrington customer service. However, it has always been our goal to remain in good financial standing. After speaking with XXXX, we learned some things that should have been handled better and would have mitigated many of the issues experienced along the way. We would like to rectify this moving forward. The following are just some of those issues : The sale of our mortgage from XXXX XXXX XXXX ( XXXX ) to Carrington in XX/XX/XXXX-XX/XX/XXXX could have been handled better. We intended to make our payment at the local branch of XXXX on XX/XX/XXXX. We were advised that our mortgage had been sold. We asked, to whom, the teller advised that they did not know but we should be notified shortly. We did n't receive any correspondence until we received our first mortgage statement on XX/XX/XXXX. We mailed out the payment stub and check # XXXX ( {$3600.00} ) on XX/XX/XXXX. It was our monthly payment of {$3400.00} and an assigned {$130.00} late fee. We assumed this was just part of the transition. However, on or about XX/XX/XXXX we received the first of numerous Notices of Default and Intention to Foreclose, please see attached. We would both receive at least 3 at a time including additional ones sent via certified mail to the post office. We also received numerous voicemails at home, threatening the same. We called Carrington Customer Service upon receipt, they advised us that this notice along with the voicemails are sent automatically and possibly in error due to transition. The representative that we spoke to advised us that we were overdue. We explained that we had tried to make payment at XXXX but it was not accepted due to sale. She advised, do n't worry just continue making monthly payment plus additional amount to apply to overdue balance. We chose to send $ XXXX additional until we were up to date. She then directed us to send these payments directly to Carrington Mortgage at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. By sending to this location, we were advised that payment would be handled by an actual person so funds would be applied properly to our account. We felt somewhat better despite foreclosure notices. In XX/XX/XXXX, we received our second statement. This statement ( attached ) shows that we have an overdue payment of {$3600.00}. As directed by Carrington Customer Service, we subsequently mailed our payment to the aforementioned address ( our regular payment {$3400.00} plus an additional {$500.00}, with note on payment stub as directed to apply to overdue balance ) in check # XXXX for {$3900.00}. However, on XX/XX/XXXX, we received the attached letter and our XX/XX/XXXX payment check marked PIF. Included with our returned check, was a letter that formally stated that our payment check was returned because the loan was paid in full. We knew something was obviously wrong. We called Customer Service on XX/XX/XXXX and were placed on hold at XXXX ( EST ). When a representative answered the call, we were advised that our account could not be located by either our phone or our loan numbers. We remained on hold until XXXX ( EST ) with no assistance received. We subsequently called again on XX/XX/XXXX at XXXX ( EST ) we spoke with, XXXX . We briefed him on our situation. At XXXX we were again placed on hold. At XXXX he returned and he advised us that he needed to check the status of our account with his supervisor. At XXXX he returned and apologized, he informed us that he was waiving the late fee and we made payment over the phone in place of the returned check ( check # XXXX ). The confirmation number given was # XXXX. Moving forward we were directed to continue sending our regular payment ( plus the additional {$500.00} ) and as previously instructed to send to the XXXX XXXX address so funds, could be applied properly. XXXX also directed us to send the attached cease and desist letter to stop the foreclosure notices and threatening voicemails. Our intention was never to stop all communications. Please note, the letter specifically states, harassing correspondence and voicemails regarding the default and foreclosure on our mortgage and added at the close of the letter, should you have any questions or need additional information please do not hesitate to contact us. In addition we provided both our home phone number, cell phone number and an accurate email address. XXXX was very nice and extremely helpful. However, the phone calls stopped but the letters did not stop. Our bank records consistently showed that our monthly checks were received and cleared on time. However we were still receiving numerous notices. In good faith we continued to send payments as well as additional funds through XX/XX/XXXX. At this point, the account was up to date and the letters finally stopped. In XX/XX/XXXX, we explored refinancing our loan with the company who originally held the mortgage on this home. However when our credit scores were run, we were advised us that our credit has been dramatically effected for some reason. Subsequently we were unable to refinance at that time. In early XX/XX/XXXX, we called Carrington Mortgage Customer Service and spoke to XXXX. We briefed her on situation. She advised that we send a fax to Customer Research and request that they look into the issue. A couple of weeks later, a letter was received regarding this inquiry. It stated that since the request was signed electronically, they would not respond to the request. Also, in XX/XX/XXXX, we again received a letter from Carrington Mortgage stating they had not received our payment. However, our bank records showed that the payment ( check # XXXX ) had cleared on XX/XX/XXXX. To avoid further discrepancies, on XX/XX/XXXX, we went to our bank, XXXX XXXX, and requested assistance. We inquired about setting up an ACH transfer, to be assured payments continued to be made on-time. However, we were told that Carrington Mortgage is unfortunately not in the XXXX XXXX system approved for ACH transfers. We then opted to have the bank representative, XXXX, set-up a XXXX XXXX automatic bill pay on our account. It was set so that the payment check would be sent out no later than the 10th of every month directly from XXXX XXXX. Starting in XX/XX/XXXX, our payments were made utilizing bill pay directly from XXXX XXXX so we have a record of all payments made. It worked well until XX/XX/XXXX, when the mortgage increased to {$3500.00}. We received notice in late XX/XX/XXXX that payment was not made. However, our bank records showed that the check cleared on XX/XX/XXXX ( {$3400.00} ). We subsequently returned to the bank in person on XX/XX/XXXX to assure that the payment amount was adjusted to {$3500.00}. The XX/XX/XXXX payment cleared on XX/XX/XXXX. Since previous payments were made through the automatic bill pay without incident for 10 months, we assumed payments would be back on track. In XX/XX/XXXX, an overdue payment amount of {$140.00}, appeared on our Carrington Mortgage Statement. We believed this was due to the XX/XX/XXXX increase in payment, so check # XXXX was sent ( for {$140.00} ) to resolve this balance. However, unfortunately due to an error made in the XXXX XXXX system, our XX/XX/XXXX and XX/XX/XXXX payment amounts reverted back to {$3400.00}. We were unfortunately unaware of this error. The foreclosure notices started again. This brings us to the present and the conference call mentioned earlier. Approximately 21 months after our XX/XX/XXXX conversation with XXXX, the accounting practices utilized by Carrington Mortgage were fully explained to us by XXXX in XX/XX/XXXX. During this phone conference, it was stated that despite the direction given by XXXX in XX/XX/XXXX, payments that are considered to be partial are actually placed in an unapplied funds bucket by Carrington Mortgage until the following month. As it was explained, a portion of those funds are then applied to previous month to complete that month but subsequently making the preceding month short. Unfortunately in our case, based on poor customer service given in XX/XX/XXXX, this process became a vicious cycle in our account twice ( XX/XX/XXXX-XX/XX/XXXX ) and ( XX/XX/XXXX-XX/XX/XXXX ). In the first instance, we had been told there would be allowances made due to the roll-over/transition from XXXX and in the second we were relying on our bank to follow our written directive to increase the payment amount ( an increase of what amounts to approximately only {$50.00} ). During our discussion with XXXX, it was asked why a customer service phone call or letter was not received actually explaining this process. It could have been very easily rectified. She advised that there was not a phone number on record for the account. Even though the cease and desist letter she referenced ( from XX/XX/XXXX ) specifically provided our contact information and asks for contact regarding any other questions or concerns. As previously noted, the request was only intended to cease and desist the harassing correspondence and voicemails regarding the default and foreclosure on our mortgage. XXXX advised that in order to reinstate communications we would need to fax another letter. That letter is attached herein. We have also provided XXXX with our home phone number and cell phone number again. During our conference call, XXXX was adamant that Carrington Mortgage had done nothing wrong and the errors were ours solely. We disagree and the impact to our credit and our good financial standing must be rectified.
06/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 93551
Web
Summary Of My Complaint About Carrington Mortgage Services , LLC My mortgage was transferred from XXXX XXXX XXXX XXXX Carrington Mortgage Services , LLC several years ago. I have never made a late payment to Carrington Mortgage Services , LLC due to my monthly mortgage payments being set up on autopay. Over the years I have received multiple phone calls and emails from Carrington Morgage Services offering to refinance my mortgage at a lower interest rate, I finally agreed in XX/XX/XXXX to proceed. Below is the sequence of events that have occurred since the refinance closed in XX/XX/XXXX. XXXX Refinance was completed I was advised the autopay would be set up as before since I am using the same bank account number and routing number, as on the old loan number. XXXX : Carrington advised me they had not set up the autopay, although my Carrington account showed it set up on XXXX. They gave me the choice of making the payment online with an additional XXXX fee or over the phone with them at a XXXX fee, I made the payment online with the additional XXXX fee. XXXX : Auto payment had not gone through yet. I checked my Carrington account which had a yellow flagged message A payment was returned on your account on XXXX : in the amount of XXXX due to Payment Account Not found. I had the funds in my Bank account to cover the payment ; I called Carrington they were closed. XXXX : I called Carrington and spoke with ( XXXX - I.D . # XXXX ) : She advised me I can request a waiver of the XXXX late fees, but I cant request a fee waiver until this months payment is made. I can make the payment now with a XXXX fee or you can make the payment online for a XXXX fee. I advised XXXX that I should not be paying any fees because my account shows the autopay was completely set up on XXXX. XXXX advised me I cant waive the payment fees but you can do it online while I hold, I will then request my supervisor waive the XXXX late fees. I again made the payment online with the additional XXXX fee. XXXX said, XXXX 's payment is scheduled for autopay on the XXXX. XXXX : I called to verify the late fee was waived, I spoke with ( XXXX - I.D . # XXXX ) She said the late fee of XXXX is still on your account. I asked for a supervisor, She initially told me I cant reach a supervisor I can have one call me back or you could call back later. I asked the purpose of having a supervisor call me back, and they wont be able to reach me and continue to play phone tag like I've been doing the entire week, and stated they are doing this on purpose to avoid dealing with it. I advised her when I spoke with XXXX yesterday she advised me that she would have her supervisor waive the fee. When I told XXXX that I'm not letting this go ; if it was my error and I wouldn't have a problem paying it but I did everything by the book. She then said she had a supervisor on the phone and she approved the waiver which will take 24-48 hours. I asked if I logged into my account next Tuesday or Wednesday the fee should be removed she said yes. **Note** All XXXX did the prior day was try to take my payment and charge a fee, and XXXX did not address my concern about my autopay. XXXX : Late fee reversed from my account. XXXX : I received a call from Carringtons automated system, no voice mail was left. I called Carrington and spoke with ( XXXX : he did not give his employee I.D . ) about the missed call. He said " If the payment isn't received by a certain timeframe due to COVID, because people are missing payments the automated system calls. There is nobody on that automated call system. '' XXXX said auto pay draft set up but scheduled for ( XXXX ), most likely autopay will not go through this month. Did you make any changes? '' He advised me he was going to put me on hold to check then hung up. I called back spoke with ( XXXX - I.D . # XXXX ) she said " the approval date for autopay was XX/XX/XXXX I don't know why it didn't go through last month. I told her I had the same problem last month ( XXXX ) and was charged a XXXX late fee plus a XXXX online fee. When I asked why these errors continue to happen since I did the refinance, XXXX cut me off stating " if you let me talk I can tell you what I can do. '' She said she would take the payment over the phone and have her supervisor authorize waiving the phone fee ( CF # XXXX ). She only took a 2nd payment and didn't address the autopay issue. XXXX : This month 's payment has been processed, however, my Carrington account now shows the next payment is due on XXXX instead of XXXX. I called Carringtons automated system and was advised the next payment is due on XXXX. '' I spoke with ( XXXX - I.D . # XXXX ), she said " your next payment is not due to XX/XX/XXXX thank you is there anything else I can help you with, '' then tried to end the call. I asked, what about XXXX payment? '' She said, the 1st payment went through on XX/XX/XXXX and another 2nd payment on XX/XX/XXXX. She said she would transfer me to XXXX on the Escalation Dept. I spoke with ( XXXX I.D. # XXXX EXT XXXX ), in Escalation Dept. He said, " I don't know why the last agent gave you incorrect information. '' He said he would submit a stop payment on the 2nd charge which would take 3-5 business days. I asked what happens when my bank charges overdraft fees due to the 2nd payment being made in error by Carrington. XXXX said, we will cover all overdraft fees. I mentioned several times how this has been a nightmare ever since I did the refinance. He asked for my Banks routing and account numbers and the address of the bank, I gave him the information. XXXX said, " Carrington will cover any O.D. fees, call me directly at extension XXXX and I will have the O.D. fees refunded. '' I asked him if he could send that in an email because of the constant misinformation. He said, we can't send a document but the call is being recorded and I will document your record. '' I advised him that I was skeptical of their documentation and asked what XXXX documented from yesterday, he said " she documented that the client called to make a payment and she waived the fee. No mention of the autopay. '' I said this proves my point and since you record, all calls listen to it. It's scary that she and her supervisor missed the autopay. He said the supervisors don't look at the records they just approve the waivers. '' XXXX : I called Carrington to advised XXXX of the XXXX NSF charged by my bank ; he acted as if he never spoke with me. Then said, " oh yeah now I remember. '' He said, you need to contact your bank and have them mail your bank statement showing the charge. I asked why should a customer have to spend their time and money on something that was Carringtons error, and advised him my bank cant mail me XXXX statement because the months not over yet. I asked how is Carrington going to compensate me for all the time and money Ive wasted on these calls. XXXX then transferred me to his manager XXXX. ( XXXX XXXX - I.D . # XXXX ) : He identified himself as a Manager. Mr. XXXX said, " we can't compensate individuals for problems we caused, but we can refund charges. '' I responded, " so you're telling me that when Carrington makes mistakes causing their client frustration, time and money there is nothing you can do. '' He said " yeah. '' I said " how about this. How about firing those incompetent front-line staff. '' He said I will follow up and address that particular agent, I can't discuss what will happen but we will address it. '' XXXX stated I apologize for XXXX giving you incorrect information, he is new. You can email me a snapshot of the NSF charge from your bank and I will have the charges refunded back to your bank. I asked if he needs my bank account information again, he said, no I have it. XXXX advised me to email the snapshot of the NSF fee to XXXX, which I did. XXXX : My bank shows a deposit incoming wire for XXXX back into my account instead of the XXXX NSF Fee. My Carrington account now shows the next due date corrected for XXXX XXXX Carrington account still shows payment history for 2 payments XXXX & XXXX. XXXX : My Carrington account showed a total of 3 payments received for ( XXXX each ) on ( XXXX, XXXX, & XXXX ) and showed one payment for ( XXXX ) on XXXX, the deposit back to my bank. At this point the one payment they withdrew from my bank they deposited back. XXXX : I received a call from XXXX XXXX he stated : 1 ) The payment has gone through 2 ) He received my email snapshot for the NSF charge 3 ) The XXXX NSF fee will be refunded back to XXXX " no later than Wednesday '' 4 ) The autopay is set up and the next payment is scheduled for XXXX XXXX ) He will send a follow-up email by Wednesday after the NSF refund is processed. XXXX : I sent XXXX XXXX a follow-up email advising him the XXXX NSF refund has not been processed. XXXX XXXX never responded to my email. XXXX : As of today still no call or email from XXXX XXXX. I called Carrington Mortgage spoke with ( XXXX : I.D . # XXXX ), I asked to speak with XXXX XXXX, she said XXXX is in the XXXX TX office and asked if he could call you back in 30 minutes. I said ok. XXXX : I contacted my bank to have the XXXX NSF fee reversed. I never received a call back from XXXX XXXX, at which point I contacted the CFPB ( Consumer Financial Protection Bureau ). Summary : I have never paid my mortgage late and have used autopay with the same routing number and account number since I have been dealing with Carrington Mortgage Services , LLC . I find it impossible that all Carrington Mortgage Services staff is incompetent. This leaves only one alternative, Carrington Mortgage Services , LLC Purposefully defrauding customers with erroneous ( Fraudulent ) fees, based on Carrington agents errors. How many thousands of other customers is Carrington Mortgage Services harassing and intimidating into not complaining ( double billing in one month ), that do not file complaints? As you can see. Over the span of 3 months, this has cost me my time and money which Carrington refuses to compensate me in any way. I am sure I am not the only customer going through this, I have read online comments and reviews from customers with similar events. This brings to question, how many millions of dollars is Carrington Mortgage Services , LLC possibly collecting each month in erroneous ( Fraudulent ) fees?
06/22/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MD
  • XXXXX
Web Servicemember
I received a letter from XXXX XXXX XXXX Executive Director XXXX XXXX XXXX regarding my mortgage being transferred to a Fraud for Profit/ Rogue mortgage company ( Carrington Mortgage ) that was a collection agency at one point. I e-mailed XXXX twice and talked by phone with my Case Manager and the Escalation Dept. representative more than twice ( Escalation Dept. POC - XXXX XXXX XXXX regarding the rogue company and my disdain for being transferred to a company with over 362 complaints with the XXXX and several hundred complaints on other sites. XXXX provided me with an incorrect escrow statement, and they would not send me the updated paperwork with the correct figures. My mortgage payment was increased significantly given this error, and given the issues that Carrington Mortgage intentionally creates for their customers, I wanted to everything corrected in writing before being transferred, and I wanted to have the opportunity to see the corrections, but I was refused. I contacted my Homeowner 's insurance company to decrease my homeowner 's insurance as well, given their automatic increase ( that I didn't need ) increased my mortgage payment as well. I had said information ( updated homeowner 's insurance payment of {$1200.00} ) faxed to my Case Manager ( I have to locate her name and contact information ) so that said information could be sent to Carrington Mortgage when everything else was transferred. However, the communication from XXXX was not very helpful regarding. Said mortgage was transferred on XX/XX/XXXX by XXXX XXXX XXXX. I didn't see anything in my contract to authorize a transfer especially to a company that has hundreds and hundreds of complaints regarding illegal practices, to include fraudulent behavior and actions towards their customers that include illegal escrow activity, stealing money, not applying payments correctly, increased/erroneous fees, fraud for profit, which violate RESPA & other regulations. I contacted XXXX more than twice to ask if they would transfer my loan to a reputable, fair company, and I received no answer to my online inquiry that I could see. I was told via phone by XXXX XXXX XXXX XXXX Escalation Dept. Representative XXXX they XXXX has the prerogative to transfer loans. I referenced that it is against RESPA to transfer loans to rogue companies like Carrington Mortgage Services. Additionally, XXXX XXXX per XXXX XXXX in the XXXX Escalation Dept. ) provided me with an incorrect escrow analysis, which increased my mortgage payment from {$1900.00} to {$2100.00}. The added an additional school tax of {$1400.00} XXXX which was supposed to only be an estimate as referenced in the analysis ), but it was added in erroneously and my mortgage payment increased to {$2100.00}. XXXX XXXX XXXX XXXX XXXX stated that the escrow analysis would be corrected since it was Chases fault and sent to Carrington Mortgage. My new payment, per XXXX XXXX in the Escalation Department, should be {$2000.00} XXXX escrow balance being {$1200.00} instead of {$1900.00} XXXX. The correction was never made by XXXX, and XXXXarrington doesnt have, but needs that information to correct my mortgage payment. My homeowners insurance also increased from {$1400.00}, but was decreased ( per my request XXXX to {$1200.00} in XXXX and the information was sent to XXXX. Said homeowners insurance also affects my mortgage payment amount. Said information was not sent to Carrington, and XXXX needs to forward said information and ensure that someone actually receives it because Carrington has a habit of rogue activity. Carrington is a debt collector, per their recording, turned mortgage servicer. They are also a predatory lender and a fraud for profit organization. I need for XXXX to correct my escrow analysis as promised and send the corrected information to the new servicer ASAP. My actual preference is to be transferred to a reputable servicer. After speaking with XXXX Executive Office ( XXXX XXXX, ext. XXXX ), I was not heard at all. My complaint fell on deaf ears, and the individual argued with me instead of attempting to assist me with my concerns. She quoted the normal law of, mortgage servicers have a right to transfer loans, and I communicated that my loan should not have been transferred to a rogue, fraud for profit company like it was. The FBI lists such companies as companies they heavily investigate and shut down. Why XXXX does business with such companies that are actually predatory lenders, is puzzling, placing their loyal customers in jeopardy of losing their homes. I contacted Carrington twice. The first time I couldnt get through to anyone, and the second time I called with a XXXX representative by the name of Ms. XXXX XXXX she was very helpful ) and we stayed on hold for 45 minutes before being assisted. We were able to speak to a supervisor to explain the escrow issue made by XXXX, and she stated that the mortgage payment amount that they have on file for my loan is {$2100.00}. She also stated that she would honor the forbearance that I was placed on my XXXX through XXXX, and that my mortgage payments would be due starting in XXXX. However, she stated that she never received the forbearance paperwork from XXXX so those documents need to be sent to Carrington by XXXX ASAP. The conversation continued with the Supervisor at Carrington, and then she hung up on us or was disconnected, and she never called me back. This is another complaint referenced by others online and through the XXXX. Carrington seems helpful at first, and then there is nothing. I want this issue to be escalated to Carringtons Executive Office as well to ensure that the servicing of my loan stays within the law, remains as it was with XXXX without the padding of my escrow, and remains without fraud for profit or predatory activity. I have attached some of the complaints that I have found against Carrington Mortgage, and most of the complaints are the same, fraud for profit and scam related activity. Some of the complaints were found at : XXXX XXXX XXXX. Please help me, as I have a USDA loan, I am a 100 % XXXX veteran on medical leave without pay, and a single mother with XXXX college students. I need to have my mortgage transferred back to XXXX or to a reputable company. Carrington Mortgage Services, has a long history of bad customer service, stealing money from consumers by not signing or processing insurance check payments for home repairs due to damage, not applying payments properly, erroneous fees, rogue escrow activity that includes increased fees for no reason, being dishonest in their efforts when responding to complaints or consumers, not applying payments properly and then charging customers additional fees for mistakes that Carrington made intentionally, replying to customers w/ mostly untrue replies and said replies didnt address the customer concern ( s ). I have a USDA loan. I have contacted the MD Attorney General & the Consumer Financial Protection Bureau. Please help me! XXXX XXXX Number : XXXX Carrington Loan Number : XXXX I was placed on a forbearance with XXXX prior to XX/XX/XXXX due to COVID-19 and my being on medical leave without pay. The forbearance goes through XX/XX/XXXX. I want XXXX and Carrington to do their jobs ASAP so that I am not stuck with excessive/erroneous fees based on Carringtons reputation. I would like for XXXX to correct the escrow analysis asap as they promised. The incorrect analysis increased my mortgage payment from {$1900.00} to {$2100.00}. They added an additional school tax ( referenced as property tax on the analysis ) of {$1400.00} ( which was supposed to only be an estimate as referenced in the analysis ), but it was added in erroneously, and my mortgage payment increased to {$2100.00}. I am a 100 % XXXX veteran so I don't pay property taxes so that needs to be referenced so that Carrington Mortgage doesn't assume that I pay property taxes. I would like for the complaints against Carrington to be read and analyzed because I don't want to experience such issues. XXXX XXXX XXXX XXXX XXXX stated that the escrow analysis would be corrected since it was Chases fault and sent to Carrington Mortgage. My new payment, per XXXX XXXX in the Escalation Department, should be {$2000.00} XXXX escrow balance being {$1200.00} instead of {$1900.00} XXXX. The correction was never made by XXXX, and Carrington doesnt have the updated information, but needs that information with a corrected mortgage payment. My homeowners insurance also increased from {$1400.00}, but was decreased ( per my request XXXX to {$1200.00} in XXXX and the information was sent to XXXX XXXX Attn : XXXX XXXX, my former case manager at XXXX XXXX. Said homeowners insurance also affects my mortgage payment amount. Said information was not sent to Carrington, and XXXX needs to forward said information and ensure that someone actually receives it because Carrington has a habit of rogue activity. Carrington is a debt collector, per their recording, turned mortgage servicer. They are also a predatory lender and a fraud for profit ( FBI takes these type organizations seriously XXXX organization. I need for XXXX to correct my escrow analysis as promised and send the corrected information to the new servicer ASAP. My actual preference is to be transferred / placed with a reputable servicer, not Carrington Mortgage. If mortgage companies have a right to transfer loans, said loans should be transferred to reputable, legal companies, and to not companies that have a history of illegal activity and illegal practices. My complaint involves two companies : XXXX XXXX XXXX Carrington Mortgage Services , LLC XXXX Actually a Debt Collector ) Loan Servicing XXXX Carrington Mortgage Services LLC Carrington Mortgage Services , LLC provides mortgage lending services. The Company offers a range of mortgage services, including refinance and loan origination. FOUNDED XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States PHONE XXXX WEBSITE www.carringtonms.com Executives NAME/TITLE XXXX XXXX Exec VP : Mortgage Lending XXXX XXXX Senior VP : Capital Markets XXXX XXXX Senior VP : Marketing
12/05/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 93710
Web
Hi I have very bad problem. Please make this a rush I have a sale scheduled for my property on XXXX/XXXX/XXXX. I found out just yesterday that my loan was transferred to another servicer called CARRINGTON MORTGAGE SERVICES. I never received any goodbye letters from XXXX XXXX, XXXX ( my previous servicer ) nor any welcome letters from Carrington Mortgage Services. I have some very bad issues going on right now with my new servicer CARRINGTON MORTGAGE SERVICES. I 'm having a very hard time dealing and working with this new servicer. I only found out about this new servicer when I called XXXX to see the status of my loan modification review that I was working with them on. I put in my loan XXXX. and the automated line said that this loan was transferred and to please call this number XXXX. It did not tell me who it was nor when and it did not even give me an option to speak with a representative at XXXX to confirm or at least get some information about this and why they transferred me right in the middle of when I was in the loan modification review process. Once called that telephone number I found out who the company was, it was CARRINGTON MORTGAGE SERVICES. Got a representative on the line, I did not have a XXXX number to provide to them as I was not aware of it. They could not look up my account by my address they only found me by my XXXX XXXX number. They had a totally different address on file then my address. I explained to them that I have never received any welcome letters from XXXX MORTGAGE XXXX and that I would like to work with them in attempting to get a loan modification but they were very rude and disrespectful, they did not care all they said was yeah you are behind, you are behind, what did you expect and so forth. I was shocked to hear this from a professional company. All I want to do is to work with them. If I knew they were the new servicers before I would of right away started a loan modification packet and would of started to work with CARRINGTON MORTGAGE SERVICES. So now as I was in a loan modification review with XXXX XXXX, XXXX they transferred my loan to CARRINGTON MORTGAGE XXXX and all of that work Ive done and worked for is all gone and id have to start all over with CARRINGTON MORTGAGE SERVICES and on top of that I have a foreclosure sale scheduled for XXXX/XXXX/XXXX. They really have put me and my family in distress both companies. If they proceed with the sale they will be in violation of the XXXX HOMEOWNERS BILL OF RIGHTS and other laws as well. As part of the bailout, on XXXX XXXX, XXXX, the United States XXXX took over XXXX XXXX and pumped billions, which in XXXX XXXX, then XXXX XXXX XXXX XXXX said as much as {$200.00} XXXX would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in XXXX funds given out to other lenders. XXXX. The guidelines issued by the United States XXXX set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the XXXX program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under XXXX ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible. XXXX and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure XXXX objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies. All servicers have systematically failed to comply with the terms of the XXXX directives and has regularly and repeatedly violated several of its prohibitions. Now that XXXX is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives. Under XXXX, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each XXXX modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such as CARRINGTON MORTGAGE SERVICES to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. XXXX Business and Professions Code XXXX et seq., also known as the XXXX Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. CARRINGTON MORTGAGE SERVICES and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the XXXX Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by placing sale on my home. They failed to properly consider loan modification applications before trying to sell my home. XXXX. On information and belief, CARRINGTON MORTGAGE SERVICES does not own a significant majority of the loans on which it functions as servicer. XXXX. Economic Factors that discourage CARRINGTON MORTGAGE SERVICES from meeting its obligations under XXXX by facilitating loan modifications include the following : a. CARRINGTON MORTGAGE SERVICES may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default. b. The monthly service fee that CARRINGTON MORTGAGE SERVICES, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer. XXXX Fees that CARRINGTON MORTGAGE SERVICES charges borrowers that are in default constitute a significant source of revenue to it. Aside from income CARRINGTON MORTGAGE SERVICES directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee. XXXX Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous. XXXX XXXX overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs. XXXX. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, CARRINGTON MORTGAGE SERVICES has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. CARRINGTON MORTGAGE SERVICES delay and obstruction tactics have taken various forms with the common result that my loan serviced by CARRINGTON MORTGAGE SERVICES, in which im eligible for permanent loan modifications, and have met the requirements for participation in Loan Modification, have not received permanent loan modifications to which XXXX entitled.
05/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28146
Web
Prior to my loan being sold to Carrington Mortgage, I was involved in a wreck at work. I have been on workers compensation since XX/XX/XXXX. Since Carrington took over my loan in XX/XX/XXXX, I have consistently asked Carrington to defer some of my payments so that I could keep up. I have sent in documentation showing that the workers comp payments are weeks behind and that I have no control over when they get here. Had I been given the opportunity to get caught up, I would not be in the position that I am now. Finally in XX/XX/XXXX, I was sent a request for mortgage assistance packet. I submitted the packet with the required documentation. That was sent to them via fax as they requested. On XX/XX/XXXX, I received a phone call from XXXX my account rep. He stated that I had been missing some documents and that I still had 30 days left to send them in. On XX/XX/XXXX, I received a letter from Carrington that My RMA was received but was missing documents. they needed to be received by XX/XX/XXXX. On XX/XX/XXXX. I resent the whole RMA again on XX/XX/XXXX I received a Cancelation letter from Carrington. The letter stated that it was cancelled because I was missing documents. I then call carrington and asked why they didnt receive all my documents. The rep stated that the documents were not recievd on their end. I have a fax transmission receipt that all 12 paged were sent on XX/XX/XXXX. After some discussion, I was asked to resend the RMA. I resent the RMA again on XX/XX/XXXX. On XX/XX/XXXX, I received another letter stating that I was missing documents once again and to send in the missing documents by XX/XX/XXXX. Problem was, there was no list of missing documents on the letter. So how was I supposed to know what to send??? On XX/XX/XXXX. I was finally able to get in touch with my rep. He said I was missing documents and to send them in. On XX/XX/XXXX, I faxed the requested documents to Carrington. Problem 1 ) Carrington consistently loses paperwork delaying the process. Problem 2 ) on all the letters that I have received, it clearly states that Carrington will not proceed with the initiation of foreclosure action once they acknowledge the receipt of the hardship package. That folks is on the letter dated XX/XX/XXXX which states that they have received the hardship package. then on or about XX/XX/XXXX, I received a notice of intent to foreclose letter. Didint they just say that they would not initiate the foreclosure proceeding in the previous letter? I Know how to read, and thats what it said. Carrington will continue to bully the customer rather then help the consumer keep their home. Carrington does not play by the rules! When I received the intent letter, I called my NEW account rep, XXXX. She told me that that letter was system generated and that my application was still under review. Then on XX/XX/XXXX I received a CMS loss mitigation evaluation letter. On that letter the have my income as XXXX a month. This is not a true representation of my income. I also noticed that there was a workout option that I was never told about. Unemployment forebearance plan. It states that I am not eligible because my hardship is not due to unemployment???? I have been asking for this since they took over my loan in XX/XX/XXXX!!! My hardship is directly related to unemployment BECAUSE OF MY INJURIES I CAN NOT RETURN TO THE WORK AS A XXXX XXXX!!!. This letter also states that I am approved for a modification. On XX/XX/XXXX I also received the trial plan agreement. My HUD counselor calls this a " blind Agreement '' as it is a very vague workout. The first issue is that this workout is based on improper calculations of my income. If I have been asking for help with my current payment of XXXX a month, why would you expect me to be able to pay XXXX a month? thats not helping at all. Then on page 2 of the TPP, item # 6, the last line states that I waive my rights to receive any such foreclosure notices??? I didnt waive my rights and Carrington can not assume that I have. This cant be legal by any means. There are certain procedures to follow if a consumer is foreclosed on. Carrington feels that it does not need to follow those procedures. On the loss mitigation letter dated XX/XX/XXXX, it states that I may file an appeal if I feel that I was wrongfully denied for a Loan Modification On XX/XX/XXXX, I sent a 30 page appeal via fax. The basis for my appeal was on 2 things. 1 ) I wanted written documentation as to how Carrington arrived at my income. 2 ) I asked for written documentation explaining the unemployment forbearance and why I was not afforded that as a solution. on XX/XX/XXXX, I received a letter stating that Carrington had received my appeal and that I would receive written notification of their decision within 30 calander days. As of the filing of this complaint, XX/XX/XXXX, I have not received any answer to my appeal. On XX/XX/XXXX I received anoth loss mitigation evaluation notification, this time the income was correct and I was only " approved '' for home liquidation. Also on XX/XX/XXXX I received a home liquidation letter " conditional approval ''??? Then on XX/XX/XXXX, I received a letter from Carrington that they have received my complete mortgage assistance package. Which one? The one that I sent in XX/XX/XXXX or the one that I resent in XX/XX/XXXX? It is very vague as to which package they are referring to. on XX/XX/XXXX I received a cancellation notification stating that my TTP was canceled because I filed an appeal and that I no longer wished to have your loan modified. I said no such thing. I filed an appeal which is my right to do according to Carringtons letter. I called Carrington on XX/XX/XXXX, spoke to rep XXXX. We discussed the situation and I asked why I still had not received a written answer to my appeal. He couldnt answer my question so he switched me over to another dept. I spoke with XXXX in that dept and explained my reasons for the appeal. In regards to the unemployment forbearance, XXXX stated that it was not offered because I lived in North Carolina. Really? Then he said that they were still reviewing the appeal. So which is it Carrington? You dont offer these programs because of where I live? or because you are stil reviewing my appeal? XXXX suggested that I call back in a week. on XX/XX/XXXX I received a letter from an attorney that they were trying to collect a debt. It is not signed by anyone and frankly loos like a letter from an attorney trying to drum up business. I called the attorney and they would provide no information at all. They said that I needed to contact Carrington. So I called Carrington that day. I spoke with XXXX, we discussed this letter and she did say that they were attorneys that they used for foreclosure. Well, thats not what the letter says. How can it be a legal notice if its not signed by an attorney???? XXXX from Carrington also stated that there was a tentative date for sale of XX/XX/XXXX. How can there be a date set when there has not been a hearing?? I called Carrington again on XX/XX/XXXX and spoke to XXXX in the modification dept. I again asked for an answer to my appeal. He stated that there was no reason to answer the appeal because I could not afford the home anyway. He also stated that my due process rights according to the Fair lending act and the Equal Credit Opportunity Act didnt matter. He said that I am not afforded the due process that is required by law and is stated on Carringtons procedures on determining a loan modification. In other words, Carrington can answer the appeal or not in his mind. I have been working with a HUD counselor here in North Carolina since XX/XX/XXXX. He has followed every bit of the experiences that I have had with Carrington. After this last conversation, he suggested that I file a complaint with this organization. Let me further explain my situation. I was receiving enough income after my wreck in XX/XX/XXXX to sustain living in this home. All I asked for was a plan to defer a few payments so that I could stay current. Carrington has not afforded me any request that I have made. My income changed suddenly in mid XX/XX/XXXX, when the Workers Comp insurance company arbitrarily reduced my pay to XXXX a week. We are currently in mediation to have my income set back to an agreeable rate according to t he laws of NC. Once that rate is established in the near future, I am sure that I will be able to maintain my payments. That is if Carrington will work with me. To date, they seem to just want to make up the rules for me as they go along and pressure me into selling my home and put me in the street! I can not help that the workers comp system in NC is so unfair to the worker. I am between a rock and a hard place because I can not work as the insurance company has not approved any of the treatment for my injuries so that I may return to full time employment.
08/27/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CO
  • 80525
Web
During the housing market crash I went through a divorce and fell behind on my mortgage. After a lengthy process, including a 6-month trial period of paying what would be my modified mortgage payment on time, I was able to qualify for a loan modification under the Federal Housing Administrations Home Affordable Modification Program ( FHA-HAMP ) with my original home loan servicer XXXX XXXX XXXX ( XXXX ). As evident by Home Loan Modification Documents ( see attachment ) this loan modification went into effect on XX/XX/XXXX. The first check to cover this first payment ( {$1900.00} ) was sent on XX/XX/XXXX ( attachment First Payment XXXX ). Two things happened to this payment. First, it arrived at XXXX BEFORE the modification went into effect. Because of this ( according to XXXX ) the check could not be applied to the loan modification. The refund check was drafted by XXXX XXXX XXXX and a check in the same amount reissued on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX. # XXXX ) through the US Postal Service ( Affidavit for Arrest attachment ). This check was stolen from the mailbox at my current residence by my ex-husband, signatures were forged on the check, and the check was unlawfully deposited by my ex-husband into his bank account on XX/XX/XXXX ( see Affidavit for Arrest and Forged Check and Signature Card attachments ). From the outset of the loan modification the FIRST payment was obviously missing, a case of theft, my next payment in XXXX of XXXX and EVERY payment since has been on time for both XXXX ( thru XX/XX/XXXX ) and for Carrington Home Mortgages ( who assumed the loan in XX/XX/XXXX ). The initial issues with this loan arose with XXXX XXXX XXXX when the first missing payment began showing as an overdue payment on my monthly statements in late XXXX/earlyXXXX. I did not know at this time of the theft of the first payment check. Then the phone calls started ( several a week ) warning of foreclosure if I didnt come current on my payments. Then the monthly letters started also warning of foreclosure if I didnt come current on my payments. Then my credit was ruined with running 30 day late assessed to my credit history since late XXXX. According to my bank records every payment had been cashed by XXXX so the question was how was I missing a payment? I then spent tens of hours on the phone with multiple different with XXXX representatives over the next year and a half asking a simple question. What payment is missing? Every time I would explain my bank statements showed everything went through. Every time I would have the representative investigate my file and say something along the lines of I cant really tell from here that theres anything wrong, you just need to pay to get current. This was not an answer to my question and I wasnt going to pay nearly {$1900.00} for a missing payment that wasnt missing. Occasionally these conversations would get bumped up to supervisor, same results, no answers, just pay the money or face the consequences. Because of the running 30-day delinquency on my credit history I was also unable to refinance my house when interest rates first dropped in the mid XXXX. Refinancing would have not only saved me thousands of dollars but I had to do it by court mandate in order to get my ex-husbands name off of the mortgage. It was not until XXXX/XXXX/XXXX that someone finally said Send us ( XXXX XXXX XXXX ) your checking statements and we will investigate it ( XXXX Customer Service XXXX attachment ). I sent the same bank statements that are attached to this complaint to XXXX XXXX XXXX showing every payment on this account being accounted for. Thirty days for our research department to investigate this I was told. Never got a response, and when I did inquire to XXXX by phone about 60 days later the representative could tell me nothing. No notes in her computer, no verification of the documents Id sent, nothing. Then, in late XXXX a XXXX representative, who apparently was much brighter than the dozen I had talked with over the last 2 years, was looking though my files and noted that Your first payment was returned to you because we ( XXXX ) had received it prior to you loan modification being finalized. It took 2 YEARS for someone at XXXX to tell me my first payment never happened and why it never was applied to my mortgage. Once I had this critical piece of information I went back, pulled the check, realized what had happened and filed a criminal complaint. I also notified XXXX what I suspected had happened, sent in the preliminary arrest affidavit, and was told well fix things once the case is settled. I first attempted to reclaim the {$1900.00} directly from my ex-husband without involving the court system. This lasted about 12 months with no resolution. I then turned the case over to local law enforcement around XX/XX/XXXX. From the time of the initial discovery of the theft until final prosecution was approximately 18 months ( attachments Affidavit for Arrest, DA letter, FinaXXXX Sentencing, forged check signature card ). At some point in XXXX my monthly statements changed again. Now it was behind by TWO payments ( attachment XXXX statement XXXX ). Another series of phone calls to XXXX, tens of wasted hours asking multiple representatives and supervisors the question What payment is missing? again resulted in the same responses Were not sure.but you have to pay or were going to foreclose. In XXXX of XXXX I was notified that my loan was being purchased by and would be serviced by Carrington Home Mortgage ( CHM ) effective XX/XX/XXXX. In XX/XX/XXXX I called CHM to explain both the status of the theft case and my disputing of a second missing payment on my account to. I was told to 1 ) submit a theft affidavit ( see attached ) and to call back in one month since we dont have your entire file from XXXX and they have xx days to get it to us. When it was clear the case was going to be successful I made two payments to CHM in XX/XX/XXXX. One payment on XX/XX/XXXX for {$2000.00} was to cover the first ( stolen ) payment ( including late fees ) of this loan. I did this 3 months ahead of the actual restitution payment as a show of good faith to CHM. The second payment of {$1900.00} on XX/XX/XXXX was my regular monthly payment to XXXX. At this point I was still behind one payment, CHM still could not account for it, and I still had a running 30 day late on my credit report. At this point I should have been 1 ) Fully current on my modified loan and 2 ) Should have had all the running 30 day late payments from XXXX on my credit history expunged. But since XXXX added a 2nd missing payment to my account, again with no explanation as to what payment was missing even in the face of bank records to show otherwise, this saga continued. Much as I had done with XXXX, in XXXX of XXXX ( Carrington Research XXXX ) I forwarded the same documents attached to this letter to the research department of CHM. The response to this inquiry was CHM only looking at the loan for the past 3 months since they assumed it and claiming they had not yet received the full file from XXXX. Same process repeated in XXXX of XXXX. Talked to a CHM representative early XX/XX/XXXX, was told that she would look into it, got a fax number, heard nothing, tried to contact via fax ( Carrington Letter XXXX ), no response. Resent the documents from this letter to CHM research department ( Carrington Document Receipt XXXX ). Again, no response. Ive have gone to great lengths to resolve this issue of a bogus delinquent payment and still am unable to have an adequate resolution. XXXX is primarily responsible for this issue. My bank records show my only missed payment was my first payment and that was due to a theft case. XXXX was made aware of the theft, was kept up to date on the status of the case, still added a 2nd mystery missing payment to my account. Carrington Home Mortgages has inherited this mess but has proven equally incompetent in resolving this situation despite receiving adequate documentation on multiple occasions. I am tired of receiving multiple calls per week for 5 years over a bogus missing payment. Im tired of receiving monthly notices of threatened foreclosure over a bogus missing payment. I have been prevented from attempting to refinancing my house multiple times at a significantly lower rate over the past 4 years and still have my ex-husband listed on mortgage over a missing bogus payment. My credit has been wrecked for 5 years with running 30/60 day late payments over a bogus missing payment ( s ). I have wasted literally days on the phone explaining a complicated issue to dozens of representatives from XXXX and CHM, been escalated to managers, faxed reams of supporting paperwork to research departments and still I suffer over a bogus missing payment.
08/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98110
Web
On XX/XX/2005, myself, my wife and my mother entered into a 30-year fixed rate mortgage in the amount of XXXX XXXX XXXX XXXX dollars ( {$490000.00} ) with XXXX XXXX XXXX ( hereinafter original mortgage ). We all executed the original mortgage as joint tenants and entered into a Deed of Trust related to the original mortgage. Just before XXXX XXXX XXXX went out of business, a salesperson came by our house and offered my wife a chance to refinance from our original mortgage and into an adjustable rate mortgage ( a new mortgage ). This was also around the time where the Department of Justice alleges that XXXX was targeting XXXX women and tricking them into refinancing out of their fixed rate mortgages and into riskier ( but more profitable for XXXX ) adjustable rate mortgages. My wife is XXXX by the way. As a result, XXXX convinced my wife to sign documents, she was told were just placeholders for a refinance and new mortgage. I informed XXXX that I was not willing to refinance the property from my existing fixed rate mortgage and into the adjustable rate mortgage. XXXX, using only my wifes signature and without my consent, refinanced our original mortgage ( fixed rate ) and into the current adjustable rate loan, currently being serviced by Carrington Mortgage Services LLC. When XXXX refinanced the property from the original mortgage and into the new adjustable rate loan, currently serviced by Carrington, the original mortgage was paid off as part of the refinance into the adjustable rate loan, but the Deed of Trust associated with the original mortgage was not reconveyed as part of that process, even though it is required by law. When XXXX paid off the original mortgage ( Note ) attached to the Deed of Trust, with the money used from the refinance, XXXX was required by California State law to reconvey, or transfer the Deed of Trust for the original mortgage to the trustor as part of the refinance. This did not happen. XXXX also told us that because the new adjustable rate loan was between XXXX and my wife only, that a new Deed of Trust would not be filed, that the " mortgage '' was really just a loan and an " unsecured '' loan. That may be why the original Deed was not reconveyed. Although this is not very common, as the future would prove, XXXX was more interested in making a quick buck in selling the new adjustable rate mortgage than they were in actually collecting on the loan, through a Deed of Trust. My complaint is that Carrington got ahold of the original Deed of Trust and because the original Deed of Trust did not go through the reconveyance process and is still on file with the XXXX County Recorders Office, Carrington is using that expired and invalid Deed of Trust, or threatening to use that Deed of Trust, to foreclose on the home. In other words, Carrington is using a Deed of Trust that was paid off over twelve years ago as leverage to get me to pay on a loan that was paid off over twelve years ago, simply because twelve years ago XXXX XXXX XXXX broke the law and did not reconvey the Deed of Trust as required by California law. My concern is that Carrington will actually try to foreclose on the house, using this invalid and bogus Deed of Trust just because nobody noticed that the Deed of Trust did not go through the reconveyance process, more than ten years ago. I didn't even know this until Carrington 's lawyers presented it to me as a valid document, just last month. To the unknowing person, the Deed of Trust seems legitimate. Even worse, it would if you didn't know the Deed of Trust is invalid, the loan could be resold again and again, with each new buyer getting ripped off, because they believe the Deed of Trust in Carrington 's possession is the actual Deed of Trust for the loan they are buying. This could create an endless cycle of people getting duped. Maybe that's why the loan has bounced around from so many loan servicing companies over the past year or so. Even though Carrington is basically only threating me right now, they might just do it. They might foreclose using this bogus and invalid document, because its still on file. If they do, this would create a legal nightmare for myself and any unsuspecting buyer, thinking that the Deed of Trust being presented by Carrington is legitimate. California Civil Code section 2941 was established to avoid this exact issue. California Civil Code section 2941 ( b ) ( 1 ) requires the beneficiary, upon payoff, to execute and deliver to the trustee the original note, deed of trust, request for a full reconveyance. The trustee then executes and records the full reconveyance within 21 days of receipt of the documents from the beneficiary, delivers a copy of the reconveyance to the beneficiary and, upon request, delivers the original note and deed of trust to the trustor. ( Civ.Code 2941, subd. ( b ) ( 1 ) ( A ) - ( C ). ) In this case, because the Original Mortgage associated with the Deed of Trust in Carringtons possession was paid off by the refinance into the Adjustable Rate Loan currently being serviced by Carrington, the Deed of Trust associated with the original mortgage and in Carringtons possession, must be reconveyed immediately as required by California Civil Code 2941 ( b ) ( 1 ). The law says Carrington is now legally required to fix this by reconveying the Deed. To do this, California State Law says that should a Deed of Trust not go through the process of reconveyance as required by the California Civil Code, within 75 days of fulfilling the obligations of the Note in a Deed of Trust, the beneficiary must substitute itself in as trustee and execute a full reconveyance. ( Civ.Code 2941, subd. ( b ) ( 2 ). ) California Civil Code also states that just because a Deed of Trust did not go through the process of reconveyance, it doesnt mean it is valid, nor does it extend the rights of the beneficiary under that Deed of Trust. After 75 days of fulfilling the obligation of a Note in a Deed of Trust, the Deed of Trust becomes a worthless piece of paper. But, youd probably have to be an attorney to know that. California State Law clearly states that if a Deed of Trust is not reconveyed within 75 days of the fulfillment of the Note associated with the Deed of Trust, the Deed is void and invalid. The Deed of Trust in Carringtons possession has been invalid for over ten years. Carrington is required by Law to abide by and comply with the Law. State Law requires them, or the beneficiary, to reconvey the Deed of Trust to the trustor immediately and not doing so or trying to use that Deed of Trust for any purpose would suggest that Carrington is potentially using the invalid Deed of Trust to engage in some sort of fraudulent activity. California State law also includes a process for a property owner to request the reconveyance of a Deed of Trust in the event the beneficiary or trustee is not willing or unable ( they went bankrupt ) to do so. This process does require the property owner to provide proof that the Note in the original Deed of Trust has or was paid. The proof I need would be as simple as a copy of the new adjustable rate mortgage, but Carrington and the previous loan servicing companies have not provided me with that document, despite multiple requests, including a request made as recently as three weeks ago. In fact, the only information myself or my wife have received is verbal information about the dates and amounts of the original fixed rate loan and not the adjustable rate loan. XXXX is out of business, XXXX XXXX XXXX has sold the loan to XXXX XXXX XXXX XXXX XXXX, the loan has bounced around from multiple loan servicing companies and nobody wants to even provide me with a copy of the adjustable rate loan so I can resolve this on my own. California Law requires that the Deed of Trust in Carrington 's possession be reconveyed to the trustor. They know about it and they know the law. They also know that withholding the information on the new adjustable rate loan, will make it difficult if not impossible for me to request the Deed of Trust be reconveyed without filing a lawsuit. The problem with that is, who do I sue? Counrtywide? XXXX XXXX XXXX? XXXX XXXX XXXX XXXX XXXX? Carrington? One of the many loan servicing companies? The original Trustee? I would expect that there is some Regulatory Agency that can require Carrington to follow the law. The law says they must reconvey the Deed of Trust and the law describes a specific process to do that. If they do not reconvey the Deed of Trust, Carrington should be held responsible for knowingly breaking the law and potentially committing fraud.
09/17/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NM
  • 87114
Web Older American, Servicemember
During a loss modification trial, we had made already 3 payments to Carrington Mortgage. We were told on the eve of the third month end, that they needed my daughter to be off the title of my house. I have the mortgage and as previously instructed, I added me to the title. I had deeded her the title after my husband 's XXXX and my illness. I took her off the title and now it is just me on the title. Then they told me that the title company needs other documents and they gave me only two days to provide. They asked for a document from the unemployment division of the State of NM that I have paid the money I supposedly owed them, on a lien. I do not owe them money. I never have ever filed unemployed and I still work as a XXXX even after my husband just XXXX XXXX. My daughter was unemployed, but she has her own house in another address and she has a lien on her house not on mine. We both went to the clerk house and they provided us with the lien on another address not mine. We provided that to the customer service rep and she said the case was closed, after making the 3 payments as scheduled!!! they gave us only a day! Not only that, but they gave us the run around because they would not talk to my daughter now since she now was NOT on the loan or title. Nice. SHe had no clue about this nor I since we did not know in advance when we submitted the application 3 months prior for modification. I want to KEEP MY HOUSE. This is where I live, I am old, I am going to retire here I make income I can pay the payment, I proved it. My husband XXXX, I had an accident, I almost died, but I am alive and working do not take my house away for a lien that is not mine. Also, Carrington Mortgage did not tell us or communicate with us about another " discovered '' lien they had until some correspondance about 30 days after they " closed the modification ''. They said that I have a XXXX lien. The XXXX had made an exception because of the fact my husband was a XXXX and the XXXX and that I was ill and things happen without my control and they worked out a payment reduction and I have the email. The thing is that the check went to the office in XXXX and got mixed up with other files an attorney had and got put in the wrong batch. This got cleared out now, however Idid not know and Carrington DID NOT tell me about the XXXX lien. I discovered it myself when I went to the court house ( clerkoffice actually ) to find out about the other lien in my daughter house. So not only Carrington did NOT tell me about this lien but also sent me information in writing after they close the trial modification file without giving me the option to give them the outstanding documents they discovered they needed, that is after I already made 3 payments!!! If it is true that I had not satisfied requirements for accepting a trial loan modification plan, as the communication via mail I got about 2 weeks ago, however I did submits trial plan payments within deadline, the servicer must have given me time to prudent time to complete the documents.I believe that those are the new rules per your entity too. I have XXXX XXXX telephone records that the HUD agency attorney in XXXX wants where I reached out to them and they just left a voice mail to call back so we kept doing that for weeks, these carrington people never ever told me of the XXXX lien at all, they even sent me emails about the unemployment lien of my daughter and to take her off the title completely before they will consider a modification with me, however they never mentioned the XXXX lien. There is no lien, my statement is current. The XXXX took some time to clear this out. However it is clear and the servicer should have given me time to submit that prior closing the mod package. They even closed it without even telling me of the XXXX lien. You never know if they really take you seriously because they never follow up in writing on the compromises they make for instance we appealed to the closing of the trial modification and we requested a forebearance during the time they investigate, and they customer service person said is too late. Should n't they have got to the supervisor to allow time to produce the documents or lien releases they were looking for and provide us with more notice than a few hours? That is not something a prudent person does or is expected to do. I wish other entity or theCFPB could have looked over the appeal, to date there has been no writtenresponse to the appeal we made to get prudent time to present the documents they need. Like we do not exist. Sirs, what will it take to have them treat me fairly? I had to deal with alot personally family wise healthwise, I just want to get my life in order. I have a job, the ability to pay the desire to keep my house. Please help me..where an appeal was asked for, if they took us seriously, the servicer must extend deadline for accepting any offered loss mitigation option until 14 days after providing notice concerning how appeal was resolved. I have heard from the HUD counselor that Servicers may offer consumers a shortterm payment forbearance of no more than 6 months based on incomplete loss mitigation application during which consumer allowed to forgo making or make Loss Mitigation Procedure and resolve the outstanding documents. Sirs, what will it take to have them treat me fairly? I had to deal with alot personally family wise healthwise, I just want to get my life in order. I have a job, the ability to pay the desire to keep my house. Please help me..where an appeal was asked for, if they took us seriously, the servicer must extend deadline for accepting any offered loss mitigation option until 14 days after providing notice concerning how appeal was resolved. I have heard from the HUD counselor that Servicers may offer consumers a shortterm payment forbearance of no more than 6 months based on incomplete loss mitigation application during which consumer allowed to forgo making or make Loss Mitigation Procedure and resolve the outstanding documents. He also told me that if the information was not in my control, then if I sent everything else, for which the servicer asked, other than information not in my control ( my daughters unemployment issue and the XXXX mistake ) then the servicer must consider my application complete. And to top it off, they did not inform whether loss mitigation appeal will be offered or actual reasons for option 's denial ; I would have liked to interface and communicate with a reviewer that is part of another entity or an " independent personnel '', i.e., not those initially evaluating loss mitigation application ; and for Carrington reps to refrain from beginning/completing foreclosure in circumstances when I, the consumer is being evaluated for loss mitigation. I was told that they can not move forward with a modification as such as they offered, and that I would have to start again, but " he is not sure I can modify the loan '' because it is " flagged '' and the system does not allow them to send another modification package because of the " flag ''. When I asked about the reason for the " flag ''. They told me is either because is in process of foreclosure or that I filed a complaint with the CFPB, and as such, the system will not allow them to send a mod package to me. I was told to go to the website and investigate for myself and see what I can find but they do not promise anything???????? REALLY? help me please I am XXXX and this is causing me so much stress I ended in the hospital because every time I talk to them they are very mean. I am by myself, now without a husband and now my daughter is not in title to help me. I can not afford an attorney to talk to theirs or to fight with theirs in court. I just want to keep my house I have paid by teaching kids like the ones their attorneys have in the public schools. My XXXX XXXX fought for the freedom their attorneys have to take me to court to take my house away only because I filed or my daughter did, a complaint with CFPB before. What good does it do then. I just want to keep my house and I am so tired of submitting package after package and always papers are lost and more and more is needed is chineese for me. This is also my second language I understand them, but they speak too fast too and too loud and I am not an attorney to navigate their stuff and understand how messy this is.
11/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32828
Web Servicemember
In XX/XX/XXXX work was completed on a kitchen renovation caused by a water leak. The following is the log of events where I have been trying to get the mortgage company to release the insurance checks XX/XX/XXXX, paid contractor for work completed, received final invoice and release of lien from contractor. Mailed both to Carrington on XX/XX/XXXX Was out of town XX/XX/XXXX to XX/XX/XXXX. I had informed the coordinator for the inspection and was told they would contact me the XX/XX/XXXX to schedule the inspector. XX/XX/XXXX, Still had not heard from the inspection scheduler. Called Carrington to inform them that I was still waiting on the inspection. Was told they would take care of it right away XX/XX/XXXX, Carrington called to say the inspection would be scheduled for XX/XX/XXXX. 1 Month past completion of work and payment of contractor. XX/XX/XXXX, Inspector came to house and completed inspection of Kitchen. She said I should call Carrington in about 5 business days. XX/XX/XXXX Called Carrington to ensure they got the report from the inspector and that they had everything they needed. I was told they had the inspection report but were missing the contractor license and final invoice. Did not understand why they did not have the final invoice as I had mailed it to them in XX/XX/XXXX. Told representative I would send both documents. XX/XX/XXXX contacted contractor and had them email me a copy of their license and the final invoice. Forwarded those documents to Carrington XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, Called to confirm that they had received the contractor license and final invoice that I had emailed the day before. Was told that they had received the documents and they had everything they need. The packet is being sent for review and a check should be sent within 5 to 7 business days. XX/XX/XXXX to XX/XX/XXXX out of country. 2 Months past completion of work and payment of contractor. XX/XX/XXXX, Called to ask why I had still not received my disbursement check that I was told XX/XX/XXXX should be out in 5 to 7 business days. Was told that the check was not sent because they did not have the release of lien. I stated that I had sent that along with the final invoice around the XX/XX/XXXX via postal mail. They claimed that they did not have it and I would need to contact the contractor to get another copy. XX/XX/XXXX, Called back to ask if the release of lien was really needed as the loss packet they sent me said it was only needed for claims over {$20000.00} and they were only holding {$16000.00} of the insurance money. She put me on hold to look into it then came back and said that was correct I would not need the release of lien. I explained to her that this has dragged out since XX/XX/XXXX and I was floating the cost of the repairs on a credit card, so I really needed some assurance that everything was correct and the check would be forthcoming. She stated she would note the account accordingly and they would get a check out within 5 to 7 business days. ( XX/XX/XXXX note : apparently the {$20000.00} limit noted in the packet was in respect to the entire insurance claim not to the amount of money held by the mortgage company. The total insurance claim was over {$30000.00}. Ok my mistake but the representative I spoke to on the XX/XX/XXXX should have known this. Also why did Carrington not attempt to contact me to say they still needed the release of lien? ) XX/XX/XXXX, Received check for {$12000.00} expected {$16000.00} also check made out to myself and a different contractor from who I used. Called loss drafts was told XXXX was due to initial estimate not matching the release of lien. ( note : this is the same release of lien that I was told they do not have when I called on XX/XX/XXXX. I never sent another copy having thought that it was no longer needed ) The release of lien document states that the upon receipt of {$12000.00} ( amount I paid ) the contractor will waive the right to impose a lien on the property. Seems pretty straight forward and binding so why does the estimate need to match the release of lien other than as an excuse for the mortgage company to hold my money longer. Asked to speak to a supervisor. Was transferred to XXXX. She again stated the initial estimate and the release of lien needs to match. I asked her why and all she could say was that is the process. ( this really sounds like a ploy to delay payment. Rarely does a final invoice match the original estimate so they are inserting a process that requires one to redo the bid at the end of work. She said it was because they needed to know what had changed between the initial estimate and the final invoice. Why? what do they care about the reason? As long as the work is complete, the bill is paid and passes inspection their concerns should be addressed. ) Also, I pointed out again that we did not use the contractor that they had included on the check to do the work as I have pointed out numerous times in the past plus the fact that all documents submitted since XX/XX/XXXX have been from the correct contractor. She apologized and said she would cancel the check but I would need to mail it back to them before she could cut another check. ( I will of course mail it back but this is their mistake and they are cancelling the check why do I need to mail it back? My insurance company did not make me return a check that they had written to the same contractor, they just canceled it and send a new one. Again sounds like a delaying tactic ) She also said I should have provided a written notice that I was switching contractors, I stated I had never been told that in the last 4 months. She also said she would need a verbal from the original contractor saying they did not do any work. Do not understand this either as I never signed a contract with this contractor where is the liability? She also said she needed a verbal from the correct contractor that they did the work for the stated amount. Again, why? Should the invoice not be sufficient? This all just looks like delaying tactics for Carrington to keep using my money. I asked her, when she contacts the contractor for the verbal that she ask them for what she needs for the bid and lien release so that she gets what she needs. She said she would do this. Ended call that she would get back with me on Friday. Follow on thought, when she calls on Friday ( if she calls ) ask if she is going to send another check for XXXX to me right away or are they now holding that money until all these other conditions are met. XX/XX/XXXX, called back to Carrington customer service. Explained I am having issues with the loss draft department asked to speak to a customer service supervisor above the loss draft department. Was handed off to a Loss Draft Representative not even a supervisor ( this is not what I asked for ). Took the opportunity to ask her to reference the contractor bid to ensure that I was looking at the same copy that they have. Turns out they do not even have a contractor bid from the contractor. So what were the two people from the previous call looking at? This has been a continuous problem with this department ... I explained that I sent that bid back in XX/XX/XXXX ( would have been at the same time that I sent the XXXX which they did have ) she said that they do not have it and I need to get a new bid that matches the release of lien. Due to the holiday it is unlikely that the loss draft supervisor will get any of the things she is asking for before the XX/XX/XXXX meaning that I can not expect a check before the second week of XXXX a full 3 months after work was completed. That is providing they do not come up with yet another reason whey they will not disburse the money. I fully understand that the mortgage company needs to ensure that insurance claims are properly addressed and paid for but that has all been completed and verified there is at this point no risk on the part of the mortgage company. This is really looking like a scam to allow the mortgage company to keep using money that rightfully should be mine. Just an additional comment the mortgage company has been using this {$16000.00} at whatever interest rate banks get for money 8/10 %? while I am paying credit card interest on this same amount. This is money I will not recover.
12/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • UT
  • 84045
Web
I had received solicitations from Carrington Home Mortgage for some time regarding refinancing my home to get cash out and pay off additional debts. I had phone calls and received solicitations when logging into the Carrington Home Mortgage portal to make my payments. On XX/XX/2022 I discussed my options with a Mortgage Loan Officer out of Arizona. His name is XXXX XXXX XXXX. We reviewed my current income, my current debts and decided to move forward with a Second Mortgage through Carrington Home Mortgage, as he stated that all look to be in line with their requirements and I could get up to 85 % of the home value which their portal stated I had a estimated home value of {$480000.00}. I wanted enough to get my current debts paid off and we discussed putting the Loan to Value on an estimated {$450000.00} so that we would be okay with paying off my debts. This say week I received a debt collection call from Carrington Home Mortgage saying I was late on a my first mortgage and a payment was due or information would be sent to the credit agencies, however I have until the 15th of each month to make a payment. This was a violation of XXXX, as this was an unfair call and deceptive knowing I have additional days to make my payment. I informed the agent on that call that I was getting a second mortgage and was also going to be making my payment online. I was very confused as to why I was receiving this call when there was clear communication with XXXX of Carrington Home Mortgage Loan Officers that I was making payment to them and had never missed a payment. XXXX sent over documents which were signed and sent back, he also gave me a list of documents I needed to upload. I proceeded to upload requested documents and XXXX asked me to email them to him as well as it would be easier. As I reviewed the Initial Disclosures, there was an error and XXXX said this would be corrected on the Closing Documents. Essentially {$1700.00} in fees would be removed when the loan was in processing and mentioned I would need to pay for an appraisal which would be {$550.00} and could be put on a credit card that we are paying off. All of this communication was via email. During these email exchanges I let XXXX know that I needed to contact my old employer for two years of W2 's and was able to get those documents uploaded, I also send him two years of tax transcripts and returns to help with the loan processing. After all documents were uploaded and everything XXXX mentioned needed to be signed were signed, I asked what were the next steps via email and he said all is great, we will just wait for processing. On XX/XX/XXXX, I emailed XXXX to see what was going on because I had not heard anything nor had been informed of an appraisal. He responded that there was no need for anything and he or the processor would reach out to me with next steps. The next day XXXX talked to me and he forgot to email the link for the appraisal and because it's a 2nd that the appraisal should only be {$220.00}. He then sent a link to me and I was able to go in and pay for an appraisal which was listed as {$550.00} and he said there could be glitch in the system but to pay it anyway and I put the {$550.00}, on the XXXX XXXX Credit Card which was being paid off with the 2nd mortgage. This was via email exchange. He said that at the end of the day, he would made sure it was squared away either way on the mortgage or to pay for it. On XX/XX/2022 I had an appraiser come out to the home and perform an appraisal. The value came back as {$450000.00} on the Cost Approach, and {$430000.00} on the Sales Comparison Approach. I emailed XXXX on XX/XX/XXXX to ask which valuation Carrington would be using for the mortgage and received no response. On the same day, XX/XX/XXXX, I got a notice of incomplete application and email XXXX again to ask why I was receiving that. I had already uploaded documents, I had already signed documents, I had an appraisal and then was receiving a notice of incomplete application. I received no response from XXXX and replied to the email address where I got the notice of incomplete application, this was XXXX manager XXXX XXXX. I also attempted to call XXXX and did not receive an answer. This all took place on XX/XX/XXXX. I attempted to call XXXX several times over the next week with no response. I also called another loan officer with Carrington Home Mortgage who answered via their general line and told me he found the loan application, and that XXXX had not taken action on it. He gave me the contact information for XXXX XXXX, and I told him I had already attempted to contact XXXX XXXX. That loan officer then gave me the XXXX 's contact information, that XXXX is named XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX and left a message, and then I emailed XXXX and XXXX once again. This time I told them all docs have been uploaded and signed, nothing is left for me to do and I have not heard back from anyone regarding my 2nd mortgage. I was hopeful to have this process done and approved within the first week of XXXX as XXXX had initially stated that is our timeframe. XXXX finally emailed me back less than 10 minutes after my email and told me the loan had not fallen off his radar, but it was in processing and he would let me know the status ASAP by the end of the day. I waited until XX/XX/XXXX to reach back out because again, I had not heard anything from XXXX and we were coming up on 30 days since submitting the loan application with no response. I emailed again on XX/XX/XXXX and asked if he was too busy to help, could he get the loan to a loan officer who would help. I also left a voice mail for XXXX and did not hear back. I am now past 30 days from initial application, and this is a violation of ECOA. I understand that Carrington Mortgage sent the Notice of Incomplete Application, however this is a false Notice of Incomplete Application to extend their timing and allowance for compliance. The notice was stating I needed to upload documents when had been uploaded and this tactic is used often with mortgage companies to avoid having to follow compliance rules and regulations. I worked in the Mortgage Compliance space for many years and find what I have experienced to be a violation on UDAAP, ECOA and privacy ( as the loan officer asked me to provide documents outside of the secure portal ) I would like to have my loan closed so that I can get the high APR debts paid and also the money back for the appraisal. This process along each step and communication was reassured by XXXX XXXX that things were moving and here I am on XX/XX/XXXX, with no updates on the 2nd Mortgage. I have lost a significant amount of trust in Carrington Home Mortgage, and this includes receiving that collections call about the XXXX payment which was made before the XXXX. Because I am in the industry, I am aware of CFPB actions taken against Carrington for other violations under the CARES Act, and I would hope this is a one off case that I am experiencing but they are loosing consumer trust and financially impacted me. I ask that the CFPB look at this complaint seriously and consider how these violation may also be happening to other consumers or customers of Carrington Home Mortgage. If I am making payments to this Mortgage Servicer and Mortgage Lender, I expect to be treated with respect, in a timely manner, and that this company has knowledge and actively is participating in training and awareness campaigns for compliance to lending and servicing regulations. The lack of communication, the lack of character, and the lack of understanding to their mortgage lending and servicing rules including payments is shocking and I am expected to pay for my mortgage throughout the next 28 years on my first mortgage, and do want to complete my refinance to pay off my debts and this would be 30 years of payments. Throughout this loan process I was assured that all debts that I discussed with XXXX would be able to be paid, it was just a matter of getting the loan closed. I am still paying my higher APR on debts, and additionally added debt to the XXXX XXXX XXXX per the Loan Officers statements because that would be included in the pay off.
11/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • XXXXX
Web Servicemember
I have drafted a letter that will be sent to all the Credit Bureaus. The information contained in the letter is inserted here, as well as being uploaded as a PDF File. My attorney will be sending the letter promptly ... as this complaint is also being filed. Carrington was asked repeatedly to cease and desist the fraudulent credit reporting and they refused to do so. Here is the write up : Error/Incorrect Credit Reporting to ALL Bureaus Company : Carrington Mortgage Services , LLC, hereafter referred to as Carrington. Date Beginning : XX/XX/XXXX. ALL Mortgage Payments sent to Carrington on time through the XXXX XXXX XXXX XXXX Bill Pay Service. ALL Mortgage Payments received by Carrington on time. Carrington returned payments in error. Initial Contact with Carrington Carrington Contact : XXXX XXXX. Date of initial contact discussing Loan Servicing errors by Carrington : Wednesday, XX/XX/XXXX XXXX XXXX. Date of notification to Carrington of possible credit reporting errors : Monday, XX/XX/XXXX XXXX XXXX. Attorney for XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX retained the legal services of XXXX XXXX XXXX for all matters and correspondence with Carrington. Email thread below ( x2 ) is the actual email correspondence between XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The email correspondence began as a result of a phone call initiated by XXXX XXXX to Carrington in XX/XX/XXXX with concern after receiving an Intent to Foreclose notice generated automatically by Carrington when a payment had not posted properly. From : XXXX XXXX To : " XXXX XXXX '' Cc : " XXXX XXXX '' Subject : RE : Your Carrington Account Loan Number XXXX Date : Monday, XX/XX/XXXX XXXX XXXX XXXX, Thank you for working directly with my lawyer XXXX XXXX XXXX to correct the issue related to our mortgage. As you can imagine, recovering our credit is extremely important. As we discussed on the phone last month, it is my feeling that Carrington may be reporting negative payment information regarding our mortgage. I have noticed a decline in our score that is being reported to us through XXXX. I have already used the free credit report option this year and have ordered ( paid for ) several reports and do not want to pay again to check on what Carrington is reporting. You had mentioned to me that it is very easy to check on this and to correct IMMEDIATELY if Carrington is reporting negatively. I respectfully request you follow through with undoing and preventing and negative reporting. As Carrington has found researching this issue, Carrington has made errors in processing our mortgage and is working to rectify with our attorney. We look forward to the resolution and again stress the dire need to rectify any negative credit reporting that has occurred, and enforce a stop order on any future negative reporting during this resolution process. Respectfully, XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Your Carrington Account Hello, Here is the email as promised with my contact info. You can call the toll free number XXXX and I am at extension XXXX. You are welcome to use my direct line XXXX if you ever have a hard time getting through. That rings right at my desk. We do work on the phones so you will probably get my voicemail but if you leave a message I will call right back. I am also responsive by email. XXXX XXXX | SSD Specialist Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX | XXXX XXXX, CA XXXX Office : ( XXXX ) XXXX x XXXX | Fax ( XXXX ) XXXX | www.carringtonms.com Carrington Reported to the CFPB Carringtons failure to adjust the mortgage loan interest rate under the loan agreement at the time the adjustment was due, and delaying 6 months to make the adjustment, forced the loan into a non-compliant situation for Carrington and XXXX XXXX XXXX XXXX. As discussed with XXXX XXXX by phone, the adjusted payment amount was deemed to be incorrect and unsustainable to be a legal and binding payment to be applied to the mortgage loan, and Carrington could not legally require such payment. XXXX XXXX consulted with Carrington leadership to determine that a loan modification would be required ( XX/XX/XXXX ). XXXX XXXX was instructed to continue to pay the last known legally acceptable payment under the existing mortgage loan agreement during the loan modification process ( XX/XX/XXXX ). Without explanation and months of documents being supplied to Carrington, Carrington cancelled the loan modification (XX/XX/XXXX ). Under legal advice of attorney XXXX XXXX, a formal complaint was filed with the CFPB in XX/XX/XXXX under Case number : XXXX. Carrington Agrees to Process Loan Modification Carrington processed the loan modification to completion on XX/XX/XXXX, over 1 year after the process began due to a Carrington mortgage loan processing error. Proof of on time and as agreed Payments to Carrington Information provided is actual data from XXXX XXXX XXXX XXXX : Date Range From XX/XX/XXXX Numeric date starting with the month To XXXX/XXXX/XXXX Filter By Showing Carrington Mortgage Services payments. Clear Filter Withdraw On Description Category Amount Deliver By Status XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$5000.00} EveryDay Checking XXXX XX/XX/XXXX Delivered XXXX # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$5000.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$5000.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$5000.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XXXX Delivered Cfm # XXXX Info Not Available Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm XXXX XXXX Info Not Available Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX Info Not Available Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm XXXX XXXX Info Not Available Carrington Mortgage Services XXXX Mortgage {$2600.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX Withdraw On Description Category Amount Deliver By Status Info Not Available Carrington Mortgage Mortgage {$2600.00} XX/XX/XXXX Delivered Services EveryDay Checking XXXX # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Incoming Total {$0.00} Pending, Processing, Delivered, and Completed payments only, including any Outgoing Total {$48000.00} fees. Remediation to Satisfy CFPB Complaint to Include Fixing Credit Reporting Errors In the complaint filed with the CFPB under : Case number : XXXX, satisfaction of the complaint requested Carrington to complete a loan modification and to correct reporting errors to the Credit Reporting Bureaus. The loan modification has been completed, but the reporting errors by Carrington have not been corrected with any of the credit reporting bureaus. Respectfully request immediate correction to any and all late payments or delinquencies reported by Carrington Mortgage Services , LLC . The Carrington Correction should reflect ALL payments made on time and as agreed. Sincerely, XXXX XXXX
10/28/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • Paying off the loan
  • GA
  • 30907
Web Servicemember
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : loan number XXXX Dear XXXX XXXX : My mother XXXX XXXX recently passed away. She had a reverse mortgage with your company. On XX/XX/XXXX, I received correspondence from XXXX XXXX that included a copy of my parents loan agreement, a copy of a notification letter dated XX/XX/XXXX alleged to have been sent to my mothers address and a letter from XXXX XXXX threatening a foreclosure sale. The heading of the notification letter dated XX/XX/XXXX. ( page XXXX attached XXXX ) is as follows below : Carrington mortgage services , llc XX/XX/XXXX ESTATE OF : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Reverse Mortgage Servicing Department XXXX XXXX XXXX XXXX, Michigan XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX Fax Sent via Certified Mail MORTGAGE DUE & PAYABLE NOTIFICATION ACTION REQUIRED TO PREVENT FORECLOSURE RE : Reverse Mortgage Loan Number : XXXX Dear Estate Representative, XXXX XXXX did not enclose a receipt showing that this certified notification letter had been sent. I wonder if this letter was never sent? XXXX XXXX did not send a copy of the receipt that we signed for this letter upon delivery. It does not exist. THIS NOTIFICATION WAS NEVER RECEIVED BY US AND NO ONE ACCEPTED AND SIGNED FOR IT! Why would we not respond to this letter and pay the {$70000.00} stated due at the end of XXXX? The above letter, that is the whole premise for your premature foreclosure was never received! We did receive a monthly reverse mortgage statement dated XX/XX/XXXX ( attached XXXX ) that states nothing regarding a foreclosure and clearly states " THIS IS NOT A BILL '' I live most of the time in XXXX XXXX and did not see this statement until mid XXXX when I traveled to XXXX to go through my mother 's belongings. I then made at least two written requests to XXXX for payoff information. In the fourth paragraph of the XXXX XXXX letter ( archive XXXX zip ) she stated that, according to HUD guidelines, if intent to pay off the loan is demonstrated within 90 days of the certified Mortgage Due and Payable Notification letter of XXXX XXXX there would be 180 days allowed to satisfy the reverse mortgage. I state again that this XX/XX/XXXX letter was never received or signed for! Despite that fact, I demonstrated intent to pay by requesting payoff quotes for this mortgage in XX/XX/XXXX, well within 90 days of XX/XX/XXXX. XXXX did not respond to my payoff requests until XX/XX/XXXX. ( attached XXXX ) Since then, I have been communicating with XXXX XXXX, an employee of yours, who has not been helpful. The payoff statement of XX/XX/XXXX listed a principal, interest and MIP total of {$72000.00}. The payout also listed charges for attorney fees of {$570.00}, appraisal of {$420.00} ( which has not been done ), and property inspection of {$40.00}. Having paid off multiple mortgages I have never encountered such charges and informed XXXX XXXX that they were inappropriate. My brother XXXX paid the principal, interest and MIP total of {$72000.00} on XX/XX/XXXX. ( attached XXXX ) Not only did we show intent to pay the debt within 90 days of the XX/XX/XXXX notification letter ( that we never received ) but we actually paid the debt in full, XXXX days after first receiving a payoff quote! When I informed XXXX XXXX that I would not pay for attorney fees, appraisal and property inspection she informed me ( for the first time ) that those charges were because the loan was in foreclosure. On what basis was the loan in foreclosure? We never received any notification or warning of foreclosure. Is it your practice to send out certified Mortgage XXXX and XXXX Notifications and then just foreclose when you do not receive a response rather than follow up with the estate first? Is it your policy to foreclose before the 90 days stated in XXXX XXXX letter are up? A second payout document was sent to me dated XX/XX/XXXX ( attached XXXX ) and described as being good through XX/XX/XXXX. The unpaid balance was {$990.00} higher than the prevous payout document which was good through XX/XX/XXXX. The appraisal fee was increased from {$420.00} to {$870.00} and a new {$290.00} fee for title cost appeared. There has been no appraisal or property inspection. The total payoff increased from {$73000.00} to {$75000.00} despite the fact that XXXX had been paid in full with {$72000.00} on XX/XX/XXXX. Who makes these calculations? I was informed in XXXX by XXXX XXXX that my complaints would be sent to your complaint department and I received no response from them until XX/XX/XXXX. ( letter from XXXX XXXX ). Incredibly, on XX/XX/XXXX, we received the {$72000.00} wired back by XXXX XXXX. ( attached XXXX ) This was total payment of principal, interest and MIP that we had a right to pay. It was paid to XXXX on XX/XX/XXXX and the return wire is dated XX/XX/XXXX. My parents contract clearly states the right and obligation to pay principal and interest. On XX/XX/XXXX, and on XX/XX/XXXX I requested an updated payoff document. Later in the day on XX/XX/XXXX I received the XXXX pay off document. ( attached XXXX ) According to this payoff statement the unpaid balance which was XXXX on XX/XX/XXXX, has risen to {$74000.00} on XX/XX/XXXX without explanation. How can that be? How do you do your calculations? Using your own ( higher ) daily interest and MIP rates, as of XX/XX/XXXX the total interest and MIP from XX/XX/XXXX until XX/XX/XXXX calculates to {$670.00} ( {$16.00} + $ XXXX {$19.00} x 35 days = {$670.00} ) Interest and MIP from the XX/XX/XXXX payoff statement was {$400.00} + {$61.00}. The real estate tax which XXXX apparently paid was {$990.00}. XXXX + XXXX + XXXX + XXXX + XXXX = {$74000.00} This = the current unpaid balance + interest and MIP + real estate tax not {$75000.00} as would total on the payoff statement dated XX/XX/XXXX We paid the XX/XX/XXXX balance and the interest/MIP on XX/XX/XXXX totaling {$72000.00} and you wired these funds back to us, dated XX/XX/XXXX, received on XX/XX/XXXX. These funds were in you a possession for 21 days. How is it that you can charge interest for funds that were in your possession for 21 days? I have never encountered a bank returning lawful payments for principal and interest. What were the attorneys fees of {$570.00} for? How did they increase to {$1400.00} dollars? What is the name of the attorney? Please send me a copy of this attorney 's work product. There has been no appraisal and there has been no inspection. Someone is at the property every day. How did the appraisal fee change from {$420.00} to {$870.00} and then {$450.00}? How is a loan in foreclosure status when there was no notice ever sent to the borrower of foreclosure? In my view, since the certified MORTGAGE DUE & PAYABLE NOTIFICATION was never received and quite possibly never sent we should be allowed to settle this loan for the total cost of {$70000.00} which was quoted in that XXXX XXXX notification. Had we received that notification we would have paid in full just as promptly as we did when we received the first payoff statement of XX/XX/XXXX. The foreclosure was inappropriate since this action was taken in less than 90 days from the MORTGAGE DUE & PAYABLE NOTIFICATION ( that we never received ). In fact, we paid off the loan in full on XX/XX/XXXX which was within 90 days of the XX/XX/XXXX MORTGAGE DUE & PAYABLE NOTIFICATION. I have never encountered such inappropriate behavior on the part of a bank! Is it your practice to prey on grieving families? I am a XXXX and work for XXXX XXXX XXXX iXXXX XXXX XXXX XXXX I can not take phone calls from Banks during the day. When I have received calls I have responded in writing. Typically, my emails have been answered after several days to weeks or not all. As you can see, I respond promptly in writing. Sincerely, XXXX XXXX XXXX all attachments as a zip file attached 1 .jpg 934.3kB attached 2 .jpg 1MB archive ( 2 ) .zip 2.2MB attached 4 .jpg 914kB attached 5 .jpg 4.5MB attached 6 .jpg 3MB attached 7 .docx 24.2kB attached 8 .jpg 3MB
06/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NY
  • 10475
Web
On XX/XX/XXXX and XX/XX/XXXX, I tried to get information about my Mortgage account from XXXX XXXX XXXX XXXX. I spoke to three different representatives and I got conflicting amounts on the payoff and procedures. I was verbally battered by one of the XXXX XXXX XXXX XXXX representative. I believe her name is XXXX. The following is an account of what happened : The first time I call I managed to get through to a representative but after I gave all my information, we got cut off ( time of call was XXXX, XX/XX/XXXX ). The second time I called ( XXXX ) I spoke to a representative by the name of XXXX . I asked her if she can give me a break down of my bill. According to the computers records the total bill amount was {$300.00} but the principal balance was {$55.00}. I asked the representative how did it reach up to {$300.00}. First of all, she had an attitude while she was speaking to me. She seemed as if she was in a rush and needed to go or be somewhere else. She was very impatient with me. She quickly started quoting numbers and it was very hard for me to keep up. I didnt know how the numbers were leading up to the balance. Then the rep literally complained that my principal was so low. She informed me that I inherited {$190.00} from the original loan ( which was XXXX XXXX ) and I told her that I owed XXXX XXXX {$180.00}. I informed the rep that I was going to dispute the extra charge. The rep went on to say that I was late and their company sends out an inspector to the home and charges {$15.00}. I could tell by her tone that she was glad that the Carrington Mortgage company tagged on an extra {$15.00}. She said that I couldnt dispute the charge because I just admitted on the phone that I was 30 days late. She accused me of ignoring the letters that the Carrington Mortgage had sent. I told her that I never received a recent letter in the mail stating that they increased my loan to include a fee of {$15.00}. She continues to argue about the extra charge. The tone that this rep had was that of reprimanding me for not paying last month bill ( XX/XX/XXXX ) and this current ( XX/XX/XXXX ) bill. Then she stated that the principal amount is not the payoff amount. She made it seem that I had to pay a whole lot more, but she had to verify this with another department and get back to me through email for the full payout amount. Im currently XXXX. I living off of my XXXX checks and I was already struggling to try to get my payments in on time. This rep was draining me mentally and physically. I asked to speak to a supervisor because I didnt have enough money to pay the full amount of the bill. The representative said that she could help me make arrangement for the payment. She was n't helping me she was provoking me to argue with her. I felt so pressured that I wanted someone else to help me. The companys recorded messages states that it charges a {$20.00} fee to make a payment with a representative. She said she would do this as a one-time courtesy ( with an attitude ) .This was supposed to be my final payment. She said that she would take the payment. I told her that I wanted to pay the principal on the loan. She informed me that I owed ( {$55.00} ) last month and ( {$55.00} ) this month so the payment made on XX/XX/XXXX would be {$110.00}. This payment would be a partial payment according to the rep and she was going to email me the payoff amount for the rest of the payment. The rep verified my email address and I was waiting for the email which I never received. After speaking to her I was so stressed out. I really didnt want to deal with her again. She was trying so hard to get me to argue with her. She was definitely provoking me to get into an argument. The representative made me feel so uncomfortable that I wanted to hang up the phone. This was supposed to be a wonderful moment for me because I was finally paying off the remainder of the loan. Unfortunately, the experience with that rep made me feel frustrated, tired and stressed out. She got me so upset because 1 ) She had a horrible attitude as she was dealing with my request. 2 ) When asked about the breakdown of the bill, she attempted to but was unable to give me a break down. 3 ) She quoted numbers in an attempt to give me a breakdown of the bill, but she was going so fast I didnt know which numbers was relating to the bill or how we got to {$300.00}. 4 ) She seemed irate as she was explaining that my principal was low. 5 ) She reprimanded me for not paying last months bill ( XX/XX/XXXX, in the amount of {$55.00} ) and supposedly XX/XX/XXXX bill ( XX/XX/XXXX ) for the same amount. 6 ) She insisted that I couldnt dispute any extra charges related to my bill. 7 ) I could tell in her tone that she seemed glad and proud when she stated that the XXXX XXXX charged me an extra {$15.00} on my bill and it could not be disputed ( based on the erroneous information that she gave me over the phone ). 8 ) She accused me of ignoring recent letters that she claimed was sent by the Carrington company. 9 ) She made the payoff amount seem very large which gave me the sense that I owe much, much more. 10 ) She gave me false information about the amount that I needed to pay in order to satisfy the principal. This is why I ended up paying double the amount for the principal. 11 ) She said she was going to email me the information for the complete payout of the loan and any associated fees and she never did. 12 ) I felt emotionally battered, frustrated and stressed out because she was pushing for an argument with me and I didnt want to argue. This call was supposed to be recorded. I urge the Carrington company to review the call so they can hear the dialog between their Company Representative and me. I provided the Date and time on this document. The call back from XXXX XXXX XXXX (XX/XX/XXXXXX/XX/XXXX, time XXXX ) Another representative called me back with information about my loan pay-out. I think her name was XXXX. She was supportive and understanding unlike the other rep ( XXXX ). XXXX informed me that the other representative ( XXXX ) was not supposed to take in the payment because all payments were supposed to be made by certified check, money order or wired overnight. She also stated that statements regarding my account could not be sent via e-mail. She then gave me an address in which I should mail the total payment of {$250.00}. The rep informed me that she was going to release the funds and place it back into my checking account. She stated that I had to make the payment as soon as possible to avoid any more interest. I told her that I was going to make out the money order on XX/XX/XXXX in the amount of {$250.00}. I believe this would have been my final payoff. However, when I went to make out the money order the funds for the first payment of {$110.00} was not released and I didnt have enough money to send out the money order. I was supposed to send it to : Carrington Mortgage Services Cashiering Dept XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX, I called back and spoke to XXXX another representative from XXXX XXXX XXXX. He informed me that everything on my account was looking fine and I double paid on the principal. I asked him about the fees and he said I should call back on Thursday ( XX/XX/XXXX ) which is when the payment may post to my account.

On XX/XX/XXXX, I was seeking for help. I didnt want to hear anymore conflicting balances or stories. I looked up HUD.Gov and they referred me to Consumer Finance Protection Bureau. Im submitting my complaint online. Hopefully, I will get the correct answers to my question which is : What is my final payoff? What do I have to do in order to Get a Certificate of debt Satisfaction? When will the lien department release the Certificate of Satisfaction to Public records?

04/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 20772
Web Older American
This complaint is being filed due to the response from Carrington Mortgage Service final response to my previous complaint. Carrington Mortgage Service indicated that I contact the Appraisal Company for a refund. I contacted theXX/XX/XXXX XXXX XXXX and they indicated I should contact Carrington Mortgage Services for a refund. ( see attached response from the Appraisal Company, indicating that I should receive refund from Carrington Mortgage Services ). As of XX/XX/XXXX an Appraisal for the property located at XXXX XXXX XXXX, XX/XX/XXXX XXXX, Maryland on behalf of Carrington Mortgage Services , LLC was prepared. As a result of the Appraisal submitted by XXXX XXXX XXXX XXXX XXXX I was refused a loan due to not enough equity to receive a refinance with cash out because I was above the 80 % threshold required. I disputed the results. Carrington Mortgage indicated that they contacted XXXX XXXX XXXX XXXX XXXX and they stand by the Appraisal submitted and refuse to make any changes. I base my request on the following facts. 1. XXXX XXXX XXXX XXXX XXXX submitted an Appraisal for the value of {$290000.00} on XX/XX/XXXX. 2. When I purchased the house in XXXX, it was valued at {$300000.00}. 3 My property is listed as a 4 Bedroom and the Appraisal listed my home as a XXXX Bedroom. 4. I also disputed some of the comparisons used.in this Appraisal company I decided to use a different lender and Appraisal company. As of XX/XX/XXXX my property was appraised at {$350000.00}. And as a result my loan was approved by a different lender. After exhausting all remedies with Carrington Mortgage, they suggested that I request my refund and compensation from XXXX XXXX XXXX XXXX XXXX. I followed up with the XXXX XXXX XXXX XXXX XXXX and they indicated that I pursue my refund with Carrington Mortgage Services. ( see attached response from XXXX XXXX XXXX XXXX XXXX ) In a matter of 4 months the value of my home based on the most recent appraisal increased by {$55000.00} compared to the results of the Appraisal XXXX XXXX XXXX XXXX XXXX completed 4 months ago. The housing market has improved from the time I purchased the house, where it was value at {$300000.00}. Your company valued my home at {$10000.00} less than it's original value. BACKGROUND Company responded to previous complaint : Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX SENT VIA THE CFPB PORTAL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, MD XXXX XXXX : XXXX XXXX XXXX. : XXXX Property Address : XXXX XXXX XXXX, XX/XX/XXXX XXXX, MD XXXX Case No. : XXXX Dear Mr. XXXX : The Customer Advocate Department of Carrington Mortgage Services , LLC ( CMS ) is in receipt of your complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and received in our office electronically via the CFPB Portal on XX/XX/XXXX. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue ( s ) raised in the inquiry. As we understand the complaint, you state that you were attempting to refinance the subject property with a cash-out option and you paid for an appraisal. However, when the appraisal was completed it reflected a below market value of {$290000.00} because the appraisal company used comparable properties that are fifteen ( 15 ) years older than the subject property. You further state that to date you have not received a response on the status of your loan application. Your desired resolution is for CMS to refund the appraisal fee and provide you with correspondence indicating the status of your loan application. A review of the records found that on or about XX/XX/XXXX, you contacted CMSs Mortgage Lending Division ( MLD ) to inquire about refinancing your existing loan. During this telephone conversation, the CMS loan officer informed you that CMS was permitted to lend up to eighty percent of the appraised value of the subject property. You advised the CMS representative that you believed the market value was approximately {$340000.00}. Based on the information available at that time, the CMS loan officer took an application from you for a loan in the amount of {$270000.00}. The CMS loan officer informed you that in order to proceed with the loan, an appraisal would need to be completed. On XX/XX/XXXX, CMS sent the initial disclosures to you for a loan in the amount of {$270000.00}, which included the Acknowledgment of Intent to Proceed, Authorization to Pull Credit, and the Loan Estimate. Thereafter, CMS ordered an appraisal of the subject property. On or about XX/XX/XXXX, CMS received the attached appraisal from the appraisal company. The appraisal reflected an appraised value of {$290000.00}. It is important to note that the appraisal company also sent a copy of the appraisal to you via email to XXXX. Thereafter, you contacted CMS because you were not in agreement with the appraised value that was reflected in the appraisal. In an attempt to have the appraisal value adjusted, CMS submitted a Reconsideration of Value to the appraisal company. Regrettably, on XX/XX/XXXX, CMS was notified by the appraisal company advising that they were standing by the appraised value reflected in the appraisal and would not be changing the appraised value. Regrettably, because CMS is only able to lend up to eighty percent of the appraised value of the subject property, and you did not wish to proceed with a loan based on the appraised value, your application was withdrawn. Correspondingly, on XX/XX/XXXX, CMS sent the attached Statement of Credit Denial, Termination, or Change ( SCDTC ) to you pursuant to applicable law and program guidelines. Under the circumstances, CMS must respectfully deny your request to be reimbursed for the {$480.00} you paid the appraisal company to complete the appraisal. Should you wish to pursue this matter further, we encourage you to contact the appraisal company directly. The appraisal company, XXXX XXXX XXXX XXXX XXXX can be reached by telephone at ( XXXX ) XXXX or by mail at XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. We trust that this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact the undersigned at XXXX XXXX XXXX XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX, XXXX XXXX. Sincerely, XXXX XXXX XXXX Customer Advocate Cc : Consumer Financial Protection Bureau ATTACHMENTS XXXX - XXXX XXXX XXXX XXXX CFPB Response and Supporting Documents part 1 - XXXX ( XXXX MB ) XXXX - XXXX XXXX XXXX XXXX CFPB Response and Supporting Documents part XXXX - XXXX ( XXXX MB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS In response to the decision, I believe all issues I raised were not addressed. My house was appraised as a three bedroom, however my house is a four bedroom. This is not disputed. On that fact alone the lender has a responsibility to assure that this fact is corrected. As for me contacting the Appraiser, I did not hire the appraiser the lender chose to use him. I have no say so about who to use. Once the lender sees the error of my house being appraised as a three bedroom and not a four bedroom, the lender has the obligation to address that issue with the appraiser. I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS I initiated my loan application in XXXX of last year. I did not get a response from the Lender until I filed this complaint. XX/XX/XXXX. The lender paid the appraiser and they are the ones to request a refund. I made payment to the lender.
01/03/2020 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MT
  • 59602
Web Servicemember
I am in Chapter XXXX Bankruptcy. The judge in the case ordered myself and Carrington Mortgage Services LLC. to work together to review my concerns about the issues I had with the transactional history provided by them, pending an upcoming court hearing. NOTE : Carrington Mortgage Services LLC. is A DEBT COLLECTOR. After filing my list with the court I waited to hear from Carrington Mortgage Services LLC. XXXX XXXX XXXX, Senior Case Manager employed by Carrington Mortgage Services LLC. who had appeared in a prior hearing, as a witness on behalf of Carrington Mortgage Services LLC. Before exiting the courtroom he had given me his business card and I had texted him my number so we could review the transactional history. Three days after XXXX, Saturday XX/XX/XXXX XXXX XXXX, I get a text from XXXX XXXX XXXX. During the hearing he'd mentioned he was an attorney. I had reasonably expected that he was contacting me to go over the transactional history as the judge had required. I was not home and I had just sat down to have dinner in town. However to my surprise, no to my 'shock ', which was apparently what he had intended, and to my anguish and dismay, rather than contacting me to set a date and time to go over the transactional history, about my issues and answer my questions XXXX XXXX XXXX who ( as I discovered on the afternoon of XX/XX/XXXX is licensed with the Florida BAR , as an attorney BAR number XXXX ) attacked me with a prosecutorial diatribe about the hearing during as I had sat down to eat. I had no documents with me to even attempt to respond with. His very first text accused my of lying to the court. After 8 minutes of calling me and my deceased husband liars, ( XXXX XXXX ) I told him it was my sabbath and that he could send me what he was talking about but that it was my sabbath and we needed to do this another day. He 1st said OK but then continued to TEXT BULLY me even AFTER I ASKED HIM TO STOP asking him to please respect that its was my sabbath. asked him to stop. Before I told him I was turning off my phone I'd told him I'd already agreed to this another day and after 8 times of doing so he still would not cease and desist. He was actually not only trying to prosecute a case against me over text, by TEXT BULLYING and 'badgering the witness ', outside the court 's purview, he then began mocking my religious preferences. When I asked him to stop he then made a statement that I took seriously to be a THREAT TO MY SAFETY, commenting about KNOWINGING THE PLACES I'D LIVED, I recognized immediately that this was not information that I had provided to the court and I was now afraid he might be stalking me with dark intent. AT XXXX XXXX I FINALLY HAD TO TELL HIM I WAS SHUTTING OFF MY PHONE. I was scared and confused by that time and unsure what to do. I went online and looked up text bullying but everything I found had to do with minors. I was up half the night trying to find out what to do. The next morning I decided to file a request with the bankruptcy court for a restraining order and type done up but was still so shaken that by the time I arrive to the court ( more than an hour out of town from me ) that I'd forgotten to sign the motion. I went home and collapsed exhausted from lack of sleep for two days. I woke up after a short while and couldn't sleep all that night and finally dozed off at XXXX XXXX the next morning. When I woke after XXXX XXXX I looked ta my copies of my documents and realized I hadn't signed them so I got dressed and loaded up my grandbaby and headed back to the courthouse only to discover they had closed early for New Year 's Eve. I had to go two more days without the court 's protection! I drove back to court on XX/XX/XXXX and filed a new request for a restraining order. When I got home all I could do is wait. So remembering XXXX XXXX XXXX had said he was an attorney ( I thought in CA for some reason ) so I decided I was going to see if that was true so I could lodge a complaint with the BAR. I entered XXXX XXXX XXXX attorney and saw he was an attorney in FLA. I called the FLA BAR to ask how to file a complaint and downloaded the page to fill out and print to mail to the BAR. I typed his name in the search bar and the Florida Bar Association page came up with his photo and a pending disciplinary action. Clicked on the action I was HORRIFIED to find he had TEXT BULLIED texted parties in another court case who then filed a complaint against him to which he responded with more threats. I realized I was his next victim and he was employed by the DEBT COLLETOR not only in violation of and Order of STAY but now he was violating my personal space and IMPLIED THREAT noting he knew where I lived regardless of his following attempt to backpeddle the threat using my loan history as a pretext to over his intention to scare me. Telling me he knew the places I'd lived came out of nowhere in the text, so I have no doubt whatsoever this was a threat and that he'd " intended to scare me '' and cause me to be afraid of him. I called the sheriff 's office to report this to the Sheriff who had forwarded my complaint about forged and fraudulent mortgage documents I discovered months earlier in my loan file, to the wrote collar crimes division. But when they told me he was not on duty, my XXXX XXXX. So I emailed him with the texts XXXX XXXX XXXX had sent me and a copy of the threats on file with the Florida BAR. This person is the very kind of DEBT COLLECTOR that we consumers are warned about. Now he is in my life messing with me. CARRINGTON MORTGAGE SERVICERS LLC. is accountable, responsible and liable for the actions of their employees. As a DEBT COLLECTOR, CARRINGTON MORTGAGE SERVICING LLC is PURSUING ME AND HARASSING ME VIA AN EMPLOYEE WHO IS ON PUBLIC RECORD FOR THREATENING PEOPLE in a court case! I wish to attach his TEXT BULLYING to me and a copy of the record of HIS THREATS to OTHERS to show the veracity of my complaint. CARRINGTON MORTGAES SERVICES DID NOT and has NOT ACTED acted in GOOD FAITH. I was subjected to over an hour of harassing and abusive texts from the Creditors employee and witness, Mr. XXXX XXXX XXXX. This was not only unnecessary and in violation of FDCPA it was not in good faith and any reasonable person would be feel threatened and offended not to mentioned truly disturbed by this abuse. I really must reiterate that his culpable persistence then escalated and he aggressively stepped over the boundary for any reasonable person, and ridiculed my personal religious beliefs, texting : Sabbath on a Saturday? and in another text scoffed at my religious choices : " I did not know Saturday was any sabbath, For any XXXX and yet another blatantly mocking my religious beliefs stating : Paying mortgage has no religion. I looked it up. At one point I felt he had actually with intent invaded her privacy, texting : I thought you were born in Idaho and lived In Alaska got job in Montana. I was instantly and justifiably concerned about this implied threat and if hed been stalking my private life and feeling threatened and in danger, I responded with my clear and present concern texting that I hadnt included any of that information in the court records. MR. XXXX texts go taunting me : I can explain it all, and even if I do what are you to do? and Good luck. I tried 8 times to get him to stop and leave me alone and I finally had to tell him I was shutting off my phone. I am attaching the complaint against him lodge by the Florida BAR so that it is understood that his threats and abuses are common knowledge and a " documented '' pattern of threatening behavior.
03/29/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NC
  • XXXXX
Web Servicemember
Re : Carrington Mortgage Service # XXXX My married is XXXX XXXX XXXX, the loan went over to Carrington Mortgage in my maiden name, XXXX XXXX XXXX : the last 4 of my Social Security number is XXXX. On or around XXXX XX/XX/XXXX, I mailed in XX/XX/XXXX payment. On or about XXXX XX/XX/XXXX, I called Carrington Mortgage Services to verified if they had received the payment sent out using the USPO 3-day delivery service. On XXXX XX/XX/XXXX, Carrington Mortgage Companys representative informed me that I was still a payment behind although they had received XXXX 's payment. In fact, two payments behind. They were XXXX and XX/XX/XXXX. I explained that I would be submitting all documents through a third party because I had no confidence in this company. I further stated that it has to be an agency out here that could reign Carrington Mortgage Companys personnel regarding how consumers are treated. As I explained in my last complaint against Carrington Mortgage Company representatives, the only reason I decided to investigate this situation personally is because I desire to get from underneath Carrington Mortgages umbrella completely. It would seem if I personally had not discovered the mistake with the cashier check, they would not be acting like they are trying to follow proper channels in resolving any of these ethically and immoral issues. It's coming up on a year that I completed my bankruptcy, and yet, for one reason or another, I am still dealing with allegedly late payments. My complaints against Carrington Mortgage Services are starting with the previous complaint through CFPB Complaint # XXXX. I was not going to refute the poor excuse given as to how the XX/XX/XXXX Cashier Check was misplaced. However, since these grave issues refer back to Carrington Mortgage 's XXXX XXXX and XXXX payment, and now, XXXX XXXX 's and XXXX 's payment, I will address the next complaints accordingly : 1. Why wouldnt Carrington Mortgage Specialist, who supposed to specialize in some level of Accounting, I pray, be more cautious in seeing that because there was no account number and after double-checking the info on the cashier check leave it untouched? 2. I thought Id be receiving something attesting this from Carrington Mortgages Research Dept, per the representative confirmation - only to find out allegedly, Carrington Mortgages representatives eventually had no knowledge of such a conversation. The letter Carrington sent XXXX XXXX of XXXX, attested to that ( Exhibit 8 Letter of Confusion ) as well. What happened to the formal agreement about the payment plan? 3. Now Carrington Mortgage is stating that XXXX and XX/XX/XXXX mortgage payments are missing. Currently, I am submitting documents of cashier checks substantiating receipts to Carrington Mortgage Services and posted as followed from XXXX XXXX XXXX : XXXX Paid on XXXX XXXX : XXXX paid on XXXX XXXX : XXXX XX/XX/XXXX paid XXXX and XXXX payments : XX/XX/XXXX paid XX/XX/XXXX : XX/XX/XXXX paid XX/XX/XXXX : XX/XX/XXXX where the initial problem began.was finally fixed. What payments are Carrington Mortgage stating is not paid now? 4. I am asking Consumer Financial Protection Bureau if Carrington Mortgage Company is exercising predatorial practices by doing the following : - Harassing me with excessive phone calls because they are not willing to put any arrangement in writing per the conversations we have had. - Carrington Mortgage Debt Collection Dept created a payment arrangement we both agreed upon only for it to look like yet, another diversion. - Carrington Mortgage Co purposely misled me with the situation by sending a XXXX notice? Are they stating that XXXX is the one at fault for misapplying and or finding excuses to say my payments are late? Between this notice and the letter from Carrington Mortgage in XX/XX/XXXX about me being past due with payments when I am expecting a formal agreement per the paymt of XXXX. I was confused and decided to exercise some leadership by simply continuing to pay them with cashier checks as I had. - Intimidate me by constant notices of foreclosing or intent to foreclose on my home ( Exhibits 9 and 14 ). - Looking at the three Mortgage statements, if I did not keep record as to what I have paid, I would have been totally intimidated or scared of truly my home being foreclosed. 6. I am asking that for anything Carrington Mortgage Service is offering outside of fixing my credit score and negating these late fees if they would address it through CFPB company so that it can be for the record? My investigation showed that XX/XX/XXXX Cashier check had to be replaced because it was never collected by Carrington Mortgage Services. It was as though it was suspended in transit. I did a Declaration of Lost ( Exhibit 6 Declaration of Loss ) for this Cashier Check because it had been sitting there for over 2 months. It was replaced around XXXX XX/XX/XXXX, although I DIDNT GET THE FUNDS BACK INTO MY ACCOUNT UNTIL LAST MONTH, XXXX XX/XX/XXXX XXXX Exhibit 2 ). When I first heard of the XX/XX/XXXX Cashier Check missing my husband was being rushed to the hospital, and then he had to have emergency XXXX. He remained in the hospital 3 weeks afterward. Taking care of my family took president over Carrington Mortgages negligence at this point. After what I was going through with my husband 's illness, I was willing to be on a payment plan for 3-months at about XXXX. After all parties agreed and after securing medical care for my husbands return home around the end of XXXX, I reached out to Carrington Mortgage Services to find out when the agreement was to start. Currently, right and wrong are not as important to me versus me being under a reputable mortgage company. I look forward to your reply and a resolution of these serious concerns in the near future. However, because we are being redundant with this same situation from XX/XX/XXXX. I felt the need to seek help from the following agencies : Central Financial Protection Bureau and the Federal Trade Commission. Please contact me at the above address or by phone at XXXX. Sincerely, Written and electronically signed by ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature Enclosure ( s ) 1. Exhibit 1 Proof in Document Against MORTGAGE CO Letter from XXXX XXXX attesting 2. Exhibit 2 Proof Document for Mortgage XX/XX/XXXX Pymt for XX/XX/XXXX. Exhibit 3 Proof Document for Mortgage Co XX/XX/XXXX Payment 4. Exhibit 4 Proof in Document Against Carrington Mortgage Co XXXX XXXX Letter 5. STATING XX/XX/XXXX WAS STILL IN WAITING STAGE 2 mons later. 6. Exhibit 5 Proof Document for Carrington Mortgage XXXX Pymt for XXXX & XX/XX/XXXX. Exhibit 6 Proof for Document Against Carrington Mortgage Declaration of Loss Cashier Check XX/XX/XXXX 8. Exhibit 7 Proof in Document for Copy of Cashier Check for XX/XX/XXXX This is for XXXX PYMT XXXX 9. Exhibit 8 Proof of Cashier Check for XX/XX/XXXX and XX/XX/XXXX all In XX/XX/XXXX PYMT 10. Exhibit 9 Proof of Delinquent Notice Unwarranted Carrington Mortgage Co 11. Exhibit 10 Proof of Letter from Carrington Mortgage XX/XX/XXXX Confusion Letter Showing Mortgage Past Due 12. Exhibit 11 Proof of Statement from Carrington About XXXX 13. Exhibit 12 Proof of Statement from Carrington Mortgage LOOK THE AMOUNT STATED 14. Exhibit 13 Proof of Doc For Foreclosure from Carrington Mortgage
02/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MT
  • 596XX
Web
Hello, This is a reply to a former complaint case # XXXX and a reply to XXXX XXXX XXXX XXXX. In my first complaint, I was asking for an apology from your company, so we can have in our file for any future loan buyers who may be dealing with our loan. As I stated, ever since your company has taken over our loan it has been a complete nightmare and I have stated I do not think you're capable of handling mortgages. After your reply, I don't think it is also to much to ask to include XXXX XXXX, which by the way is out of XXXXXXXX XXXX not XXXX XXXX as you stated and an apology to XXXX XXXX XXXX out of XXXX. You see, in your reply you solely blamed myself and XXXX XXXX for not uploading evidence of insurance we had obtained. In my first complaint I did not upload any evidence because I did not know I was dealing with such a crooked company. You will NOW see in this complaint, all the evidence uploaded proving just how bad you have lied in your reply. The screen shots are emails, I can easily forward to CFPB and your company from XXXX XXXX, again ... out of XXXX and not XXXX like you have in your records ... stating they have attached the Home XXXX Pages for my reference. They go on to say that Carrington Mortgage Services LLC has been notified of our insurance coverage and being listed as the mortgagee, this happened on XX/XX/XXXX. My question and why I want an apology, you guys were notified by the insurance company on XX/XX/XXXX ... why did we continue to receive threatening letters from you guys about us not having insurance when you had been notified, but it gets better. The month of XXXX I receive yet another letter from your company stating we do not have insurance and that you will purchase insurance for us. I have attached another screen shot of an e-mail from myself to XXXX XXXX asking what is going on, because I was told by XXXX the paperwork had been uploaded and you were notified and I was putting the blame on them, not Carrington. I was than notified by XXXX which I will also attach that email screen shot... .this is great. I was told Carrington was still contacting XXXX XXXX XXXX because Carrington failed to load our XXXX XXXX XXXX. XXXX XXXX states they provided verbal confirmation of our Traveler 's coverage. The rep from Carrington stated no insurance will be added due to this info being updated to our Carrington file, she ALSO provides a screen shot of where she uploaded it to Carrington 's website. PHEW I thought, glad that is over ... ..BUT IT GETS BETTER. XXXX we receive ANOTHER letter saying we are in violation of our loan and we don't have insurance, I let this one slide thinking it will just take a while for paperwork to sift through and than XXXX comes with yet ANOTHER THREATENING LETTER FROM CARRINGTON. And I'm sorry but I am XXXX and LIVID at this point. In XXXX I also get an email from XXXX XXXX XXXX that our insurance is about to be cancelled because Carrington has yet to pay our bill. I go online to see if I can just do it, have never done this before because XXXX had always just payed it for us. I couldn't pay the bill, Carrington had to, so I call the Traveler 's rep and that's when we got connected to the snotty customer service rep I talked about in my first complaint. She did not know how to pay the bill and we spent a good XXXX minutes on the phone with her even trying to get the bill STILL payed. The XXXX XXXX rep had told me she would keep a VERY CLOSE eye on this payment because I was in tears and explained to her the money was in the account, I did not know why Carrington had yet to pay them and I didn't want insurance bought for us at a significant hire rate like they state in their letter. The insurance was finally payed in the amount of {$1300.00} XXXX months later. In Carrington 's reply they bring up that our XXXX XXXX XXXXXXXX policy increased and indicated that {$440.00} was still due and that we negotiated the {$1700.00} refund? I will also be attaching a screen shot from the agent we dealt with XXXX years. He states nothing was due and nothing was negotiated, where on earth did you guys get this and I would like an apology from you guys for even contacting XXXX XXXX XXXX for payments, when we had transferred to XXXX XXXX Because of this statement we would like to see an itemized statement of how you have been dealing with our money. This EXTREMELY boils my blood that you guys pulled this LIE out of your XXXX with a negotiation. Later in your e-mail you also state we had a conversation with me saying I had payed XXXX XXXX in full? I CAN'T pay XXXX XXXX and have never payed our home insurance, our mortgage company has ALWAYS payed it. ANOTHER LIE!! You know, in the first part of your reply to my complaint you bring up our bankruptcy, we haven't missed a single payment ever with our mortgage. You sure seemed to do your homework so I figured I would do mine. I read an article how Carrington Mortgage unlawfully withheld legally mandated pandemic protections, wrongly imposed fees, and reported false information to credit reporting companies, founded by CFPB Director Rohit Chopra. Your company had to pay {$5.00} million dollars as a penalty to the CFPB which would be deposited into the CFPB 's victim relief fund. You were ordered to repair your faulty business practices. Carrington must assess customer service staffing and provide training relating to applicable CARES Act and agency and GSE guidelines. The company must also establish policies and procedures to prevent the issues from recurring ... .MIGHT I ASK YOU GUYS ALSO MAKE YOUR COMPANY TAKE CLASSES ON CUSTOMER SERVICE AND HOW TO HANDLE INSURANCE PAYMENTS? CFPB ... there is a page on Facebook called " Carrington Mortgage Services SUCKS!! '' I STRONGLY urge you to go to this page and take notes of all the complaints. I have a lot of complaints screen shot that are ALOT like mine. Carrington threatening customers to buy insurance, a former employee states he is being harassed by Carrington for not returning equipment when he has tracking receipts, XXXX customer states Carrington threatens to turn her into credit company because they can't process her payment, Carrington 's XXXX XXXX XXXX sent a wrong email to a customer calling her an XXXX for pestering them, XXXX customer states XXXX XXXX is on his third company in the last XXXX years bankrupting XXXX of them, but my favorite is the XXXX complaints from different customers stating Carrington is putting forced lender-placed insurance on their mortgage when they already have insurance. I would also like to bring up it is XX/XX/XXXX and we STILL DO NOT have our XXXX tax form, and if you go to their website and try to print it off, it says the document can't be retrieved, HOW DO WE GET OUR TAX STATEMENT CARRINGTON!!! So to wrap things up, YES I would like an apology to myself and the XXXX companies you have set forth blame, when you will see in the attachments XXXX XXXX ( out of XXXX, not XXXX ) perfectly did their job. XXXX 's was probably obnoxiously contacted by this company for payment when we weren't even their customers, and my husband and I deserve an apology for all the undue stress you caused us over XXXX months, and than down right LIED about it. We are prepared to go further with more if we do not get a simple apology from your incapable company.
06/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 706XX
Web
I called into Carrington Mortgage customer service attempting to get a status update on my modification application. I had been calling several times over the past couple of months ( since sometime before XXXX ). I called on Tuesday, XX/XX/XXXX around XXXX and spoke to a representative named XXXX XXXX I explained to him that I was concerned that I was not receiving transparency about the status of my modification and that I wanted to make sure that the company was not trying to reset my interest rate to the new rate since my initial application was done with the old rate. I attempted to explain how I was informed that the company had kicked my modification out by no fault of my own. I contacted Carrington on the following dates which is noted in my account record : XX/XX/XXXX ( email owner occupied property verification form ), XX/XX/XXXX ( spoke to XXXX he looked at underwriting notes ), XX/XX/XXXX ( spoke to XXXX was with underwriting and now in review status ), XX/XX/XXXX ( spoke to a female rep and she informed me that my application was kicked out by the system and I would have to reapply with the new high interest rate. states they could not locate my occupied property verification form ), XX/XX/XXXX ( received a legal notice of foreclosure ), XX/XX/XXXX ( spoke to XXXX to request a written status update ), XX/XX/XXXX ( traveled to post office to pick up a certified notice of foreclosure ), XX/XX/XXXX ( called and tried to email my contact person XXXX XXXX with no success, so I emailed XXXX. I also faxed XXXX complaints to Carrington 's Customer service department @ XXXX, XX/XX/XXXX ( emailed to Carrington 's advocacy department @ XXXX ). To date I have not had any contact with details of any of my complaints. XXXX acknowledged that my account showed I was kicked out on XX/XX/XXXX. I informed him that I was still receiving certified letters of foreclosure as recent as the date of my call on XX/XX/XXXX, but every time I called I received conflicting information from what was sent to me in writing via mail. I requested to be sent a written update of the status of my account and the details of my modification ( initial application and the reactivated one ). XXXX started telling me you were not approved for anything!!! I tried to explain to him that I was not saying I was approved but that it was unfair to not provide transparency and that I felt like the hardship and burden was being placed on the consumer. He made very discouraging comments like you want special privileges and I tried to tell him I was not asking for his sympathy but that the special circumstances is what brought on the hardship request in the first place. He kept making discouraging statements to me when I asked to speak to a manager and said they will tell you the same thing. I tried to explain to him that I felt like he was not treating me fairly and that there was obviously a cultural barrier or something because of how he was handling my call. He accused me of trying to call him XXXX and proceeded to state that they did not have to approve my application. I asked that he not threaten me with that kind of talk and requested to speak with a manager. I had to keep defending verbal barriers my entire call with him because he kept saying statements to either minimize or marginalize my concerns about why I applied in the first place and the hardship caused by having to resend everything all over again. I even felt compelled to explain how I had medical, financial, legal/court documents, and domestic records I provided for my file. Instead of considering impairments/limitations/hardships regarding why I ask for assistance in the first place, XXXX made condescending remarks about me accessing help as some kind of privilege or special treatment. I reminded him that I contacted customer service the day before filing a complaint via fax and that I had reached out to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( spoke to XXXX he started a verbal complaint file also ) for guidance and XXXX still did not check into my concerns but dismissed my sense of urgency regarding my home. If anything, he reminded me of additional barriers to my concerns and told me that since I called into the company, no one could call me back for another 8 days due to some law CFPB passed. To my knowledge, this is not a practice at other Mortgage companies and Carrington 's website informs consumers how their representatives are extensively trained to help, advocate, and assist homeowners especially in times of need such as what I have been experiencing. I attempted to explain that he was treating me differently which is not in line with Carringtons mission, responsibilities, or best practices regarding customer service. I had to eventually ask him not to say anything further to me, and respectfully ask that my concerns be escalated to his supervisor. He informed me that he would send it to XXXX XXXX supervisor ( XXXX ), and never mentioned his supervisor. I informed him that I could not get in touch with XXXX and her extension did not work, nor her email. XXXX informed me that Carrington disabled the extensions some time ago and that it would basically be a stroke of luck for me to call and get the same person to handle my concerns. I explained that these kinds of systemic barriers are unfair to homeowners, especially in this circumstance. The treatment I received was discriminatory and violates my rights to say the least. Additionally, the systemic barriers and lack of transparency places homeowners at additional risk which fails to make these programs equally accessible to consumers with hardships and XXXX. This directly violates the Federal Equal Credit Opportunity Act which prohibits discrimination based on race, color, disability, applicants income limitations, or because the applicant has, in good faith, exercised any right under the Consumer Protection Act. I am attaching documentation of the details of my concerns which were emailed, faxed, and there should be several phone recordings, especially the recording with representative XXXX. I mentioned how much time and financial strain this has caused me on top of the prior hardships but he did not seem to care and used his own personal judgement/bias in attempt to minimize my request for help. After months of waiting and a conflicting and unfair/systemic barriers by the Mortgage Company , the service and treatment I received from XXXX left me feeling very uncomfortable and felt like I had a greater burden to prove than others when compared to someone of a different race and economic background. Especially, when he made sure to remind me that they " did not have to approve my application '', which I felt was threatening! Basically, if I had money and was not a minority, I would not received so much resistance and confusion. I had to dig and look for other resources of help which was never offered by XXXX. I later found by digging for a complaint contact, that they have a listed advocacy contact. I reached out to them as well but like all roads with my process for several months, it has led to nowhere and further delay, barriers, and hardship.
03/03/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 34652
Web
My Problems with Carrington Mortgage started in XX/XX/XXXX when I refinanced my mortgage. The modification was suppose to bring my payments current. The statements reflect past due amounts that don't make any sense. Per the FHA Mortagagee Letter XX/XX/XXXX-XX/XX/XXXX ( XXXX ( XXXX ) The Mortgagee must ensure the FHA-Hamp Loan Modification fully reinstates the mortgage. The last statement before the modification XX/XX/XXXX reflects an amount owed of {$30000.00} the statement after the modification, XX/XX/XXXX which included a partial claim funds from FHA reflects an amount owed of {$32000.00}. The modification was re-booked and the XX/XX/XXXX reflects an amount owed of {$3700.00}. After the modification I did again miss a couple of payments and at the end of XX/XX/XXXX I was delinquent for the XX/XX/XXXX and XX/XX/XXXX payments and due for the XX/XX/XXXX payment when with the assistance of XXXX the FHA counselor/mediator I entered into a repayment plan. I made every single payment as required which Carrington set up in advance via auto-pay and on XX/XX/XXXX I was to resume my regular monthly payment of {$1700.00} and would be current with my mortgage. I made my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$1700.00} my XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of {$1700.00} and suddenly when I went to make my XX/XX/XXXX payment on XX/XX/XXXX the payment has now jumped to {$1700.00}. I have no idea why when I went online to make my payment why the amount has jumped {$30.00}. The only thing I can figure is it must be due to the forced place insurance they have placed on my account which is another issue I have with them. In XX/XX/XXXX before I modified they told me it was standard practice for a property inspector to be sent to my home and to not be concerned if I notice somebody looking around. Well for some unknown reason this inspector reported that my home was vacant and unsecured! My insurance company called me in XX/XX/XXXX to ask me about it and I assured them I live in my home. My home was decorated for the holidays -- XX/XX/XXXX -- XX/XX/XXXX and XX/XX/XXXX the lawn is mowed trash is picked up at the curb twice a week -- I have no idea where the vacant and unsecured thing came from. In XX/XX/XXXX my XXXX happened to be home an someone knocked at the door -- She answered and the man identified himself as the property inspector for my mortgage company -- he said the property was still being reported as vacant -- -My XXXX informed him that both her and I live there and that I was at work. Later while she was sunbathing in the backyard she looked up and saw 3-4 people walking around the back yard looking up at the roof and back of the house. She asked if she could help them and again although different people from the man that had visited earlier that morning also stated they were property inspectors and were there to place a lock box on the front door. My XXXX stated that she had talked to someone earlier and told him the property is occupied. One of the men said that was his brother and sorry he didn't get the message from him. A few hours later my XXXX leaves her towel and water in the backyard and goes in the house to reapply suntan lotion and get more water -- she did not close the patio door behind herself since she was only going in for a few mins. While in her bedroom applying suntan lotion she heard a noise she walked out into the living-room to find a man ( a third person different from the other two visits ) standing in the middle of the living-room she screamed at him to get out! And while on his way out he said he was sent by the mortgage company -- she just kept screaming at him and was very very upset and told him she didn't care who sent him. She then called me as work she was still crying and upset -- -I called Carrington and told them this stops today -- right now -- right this min -- -they are trespassing and if they think the property is vacant then go through the court system and get it assigned back to them but under NO circumstance do they have the authority to enter my home whenever they feel like it!! And I was not even in foreclose when this happened so they really had no right to enter my home! I thought this was the end of the vacancy issue until I received notice from my homeowners insurance company in XX/XX/XXXX that due to Carrington continuing to report my property as vacant I was at a higher risk and they were cancelling my policy for both the homeowners and flood policies. Other than the property inspectors which claim they were sent by Carrington -- -Carrington has never asked me for documentation that I was occupying my home -- -which I could have easily provided but I am sure the electric company would have also supplied to them -- which would have proved the electric is in my name and there is a bill generated every month that is high enough to prove I live here. Another issue with them is the fees they are adding to my account every month -- I understand the late fees -- -and do not take issue with them its all the other fees -- -- recording fees, attorney fees, more property inspections fees ( sometimes 2 or 3 in one month ) every month its a new fee of some sort. I also receive intent to foreclose notices -- which they send every month at least 2-3 times a month. In XX/XX/XXXX they posted one on my front door insisting I call them to discuss my financial issues ... .my account is current! I have tried to work this out with Carrington but they will not listen to me, they only upset me when I call and demand more and more money. I also tried to hire an Attorney to sort this out with no one willing to take my case. I also contacted FHA and was assigned an XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. To date FHA has made no progress with this either ... .the payment history Carrington supplied to FHA is impossible to follow or so they tell me. Carrington also stopped providing monthly account statements from XX/XX/XXXX to XX/XX/XXXX. The most recent statement dated XX/XX/XXXX reflects I now have an amount due of {$6900.00}. I don't understand this since the repayment plan ended in XX/XX/XXXX I have made regular monthly payments and I am not delinquent. Below I am attaching the email I received from the XXXX mediator in XX/XX/XXXX outlining the repayment plan. Ask Expert Queue Information from today ( # XXXX ) XX/XX/XXXX at XXXX XXXX I'm sorry we got disconnected. XXXX from the bank is going to try and call you back later in the day to get this plan finialized. They are very willing to work with you, but you need to try and get ahold of them before the day is out. What we talked about with XXXX : You currently need {$3500.00} to bring the account current You will pay {$2000.00} on the XX/XX/XXXX The have authorized a payment and a 3rd for the next 3 months which will be about {$2300.00} for the next 3 months {$1700.00} per month new payment This is the information on the Disputes and Research department XXXX Please let us know if you need any further assistance. XXXX XXXX Financial Wellness Expert XXXX XXXX XXXX Phone : XXXX Fax : XXXX XXXX XXXX
09/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92832
Web
I starting falling behind on my mortgage payments approximately Mid XX/XX/XXXX. I got served with a Notice of Default by the current loan servicer, Carrington Mortgage Services. At this time I was residing at the subject property, a Single Family Residence located at XXXX XXXX. XXXX XXXX. XXXX, Ca. XXXX My troubles initiated as a result of both acareer finances decline and personal issues dealing with the aftermath of a divorce. Because of my inability of meeting my mortgage payments, Carrington Mortgage initially filed a Notice of Trustee Sale XX/XX/XXXX. After numerous attempts to normalize my situation without any positive results, I took the final and most responsible decision to place my property up for Shortsale. On XX/XX/XXXX, I XXXX XXXX hired the services of XXXX XXXX XXXX, a real estate brokerage firm managed by XXXX. XXXX XXXX. I hired XXXX. XXXX to initiate Shortsale proceedings to responsibly mitigate a loss for the current lender, Carrington Mortgage. On XX/XX/XXXX, XXXX. XXXX sent the Short-sale package to Carrington Mortgage and followed up with my assigned single point of contact XXXX XXXX XXXX. The shortsale process was formally initiated on this date and an offer from a XXXX XXXX investor was submitted at {$400000.00} Typically, Real Estate investors when offering to purchase a heavily damaged property, have to take into account the following considerations cost of repairs, the surrounding comparable sales, exit ROI and marketing duration. All of these factors are vital for an investor to acquire a fixer upper. After having submitted this offer to the lender, XXXX XXXX began having difficulty getting a hold of the SPOC ( XXXX XXXX ) After several attempts to get a hold of her, XXXX.XXXX finally answered XXXX. XXXX. She indicated that she was unable to discuss the file due to a Bankruptcy being present in the current file. While banks can not close on a Shortsale during an active Bankruptcy scenario, they can certainly speak directly to the customer or his/her authorized agent, just as long as there is permission from the borrower, in this case me. The filed bankruptcy was done in a Pro Se manner which means that there is no attorney present. All Carrington needs is my written authorization to continue processing the Short-sale but not being able to close unless one of the three events occur : a ) Bankruptcy is Discharged. b ) Bankruptcy is Dismissed c ) Bankruptcy Trustee provides written authorization to close the Short-sale. XXXX. XXXX has been dodging talking to my Real Estate broker on purpose, hiding behind the excuse that there is an active Bankruptcy.on the case. On XX/XX/XXXX she wrote an e-mail to him explaining that she could not speak to him because of that reason. Despite of the fact that XXXX. XXXX explained to her that it was ok to speak to him because I XXXX XXXX consented to this. On Wednesday XX/XX/XXXX, XXXX. XXXX XXXX was out of the office, so my broker had the pleasure of talking to her manager XXXX. XXXX XXXX who had given XXXX.XXXX an indication via e-mail that the existing {$400000.00} was too low..He politely requested to XXXX. XXXX if he could reach out to the buyer 's agent to try to see if they would care to increase their offer to a more acceptable amount, {$500000.00} was discussed. XXXX. XXXX went ahead above the call of duty and managed to convince the Buyer 's agent to persuade his client to increase their offer from {$400000.00} to {$500000.00}. My agent XXXX. XXXX was trying to please the bank as much as a possible while taking into account that the subject house is in need of at least {$100000.00} in cosmetic and structural repairs. ( Contractor 's Bid attached ) After speaking to XXXX. XXXX and having sent him a revised contract for the higher amount and an escrow Closing Document reflecting the increase, XXXX. XXXX has been unable to speak to him ever again. On Thursday XX/XX/XXXX XXXX.XXXX once again called in to Carrington Mortgage to discuss the status of the higher offer. XXXX. XXXX specifically requested to speak to XXXX. XXXX, however the call was routed to a gentleman named XXXX XXXX, claiming to be the Director of Special Servicing at Carrington Mortgage Services. According to XXXX. XXXX, XXXX.XXXX commenced the conversation on a very condescendign and abrasive manner. He sarcastically asked XXXX. XXXX " where do you live? '' " Are you familiar with this neigborhood '' What XXXX. XXXX was doing was to attempt to ridicule XXXX. XXXX professional acumen by placing doubt on his geographical knowledge of the subject neighborhood. XXXX.XXXX responded assertively that in fact he was quite familiar with XXXX County Real Estate and being licensed to practice Real Estate since XX/XX/XXXX. XXXX.XXXX has been a Real Estate professional in XXXX County for the last 24 years. XXXX.XXXX not only insulted XXXX. XXXX intelligence, but also aserted to him that given the discrepancy in price offered by the investor 's latest offer, " you are better off letting this house go to Foreclosure and go find yourself another listing '' He also told XXXX. XXXX " It sounds to me that your have to go back out there and find a higher offer ''. XXXX. XXXX openly expressed his disregard for seeking a loss mitigation solution by stating that even if XXXX. XXXX received an offer at the BPO valuation obtained by the Carrington Mortgage at the {$550000.00}, that not even at that amount there was any guarantee to accept such offer. He further added the following statement " Here at Carrington Mortage we have the ability to fix the homes ourselves and we can then rent them out for a year until the market increases '' Further confirming that XXXX. XXXX in direct representation of a Lending Institution that he represents as a director, has not intention nor desire to work out a loss mitigation solution with a consumer desperately seeking this relief. His remarks and overall attitude were those of a bully and not a banking professional. And his behavior was despicable and unacceptable. XXXX. XXXX attempted to discuss the matter with facts and data which he felt supported the {$500000.00} value as being fair and equitable to liquidate the real estate asset in question. I am providing you with a very close comparable sale on this submission where a property in close proximity in size to ours just sold XX/XX/XXXX for {$540000.00} MLS # XXXX I don't know if Carrington Mortgage received Federal Assistance as part of the trouble asset relief program during the recession years? But if they did, I need your assistance at making XXXX. XXXX and more importantly holding his lending institution more accountable at truly helping distressed home owners like myself, receive the necessary help to achieve a Short-sale. Without duress or callous threats of " not needing to do anything about it '' I need your to please assign a SPOC who is accountable, responsive and more importantly reasonable at negotiating this Shortsale. Carrington Mortgage is currently violating the California Home Owner 's Bill of Rights statues. Thank you for your cooperation
11/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • 98118
Web Servicemember
In XXXX I applied for a mortgage loan with XXXX XXXX. My husband at the time and I were approved. Once we found a house, it was stated that he could not be included on the loan and that I had to take on the loan on my own but now with a 2nd mortgage. We agreed. We separated not too long after moving in XX/XX/XXXX. We had a roommate who I then decided to add to the mortgage so that I could afford to pay for the loan being that I was facing a divorce and reduced income. In XXXX, I refinanced the loan to include my roommate and that got rid of the 2nd mortgage. In XXXX, I filed for bankruptcy and moved out of the home. My roommate remained at the house with my room for rent. Late XX/XX/XXXX, the roommate decided to move out since he just started a family and did not want to maintain or stay at the house. Being that I filed for bankruptcy, he most likely thought the house would foreclose and that would be the end of it. In XXXX, I also was remarried and moved on with my life. We received no communication from the bank which was XXXX XXXX XXXX at that time regarding any foreclosure proceedings, etc. In XXXX, I again unfortunately was facing yet another divorce. At that time, I decided to see if the house was still available for me to move back into and possibly start the loan modification process. I reached out to XXXX XXXX XXXX to begin the loan modification. From XXXX - XXXX, absolutely no communication was sent to me regarding pre-forclosure, forclosure proceedings or loan modification options. From XXXX when I moved back into the house until XXXX, I have applied for numerous loan modifications from XXXX XXXX XXXX and now Carrington Mortgage. In the beginning stages, the process was long and laborious. I followed up weekly and submitted all necessary documents that they required. I have tons of documents/faxes that have been transmitted to XXXX XXXX XXXX and Carrington. I hired a company who dealt with loan modification to ultimately get me an answer/decision. During the process, the issue of the homes title was in question and was somehow causing a delay. The former roommate who's name was on the loan did not want anything to do with the loan modification so I was instructed to obtain a quit claim deed. Simple enough if the county in which the title was recorded actually had him listed on the title. I could not move forward at that point with obtaining the quit claim deed. The county insisted that his name was not on the title however the bank was disputing this. I have email confirmations from the title company that my name is the only name listed on the title. XXXX XXXX XXXX and Carrington did not know how to proceed with this causing a delay in processing the loan modification with just me listed as the " borrower ''. XXXX - There were several back and forth communications between myself and the banks. Finally, a resolution. A decision was made and I was approved for a loan modification WITHOUT the roommate/co-borrower who was originally on the loan despite the bank NOT receiving a quit claim deed. Good news? Well for the approval yes, but the terms, no. The amount of the mortgage had only been reduced by {$30.00} or so dollars. How is this helpful to me when I had a decrease in income? Not to mention the length of time the account was in arrears was due to what? The bank not foreclosing or starting the foreclosing process when they should have. The terms were not favorable since the bank did not take action in a timely manner and I was being penalized for it. Granted, I own the responsibility in filing bankruptcy and leaving the home. That was the error on my part. I accepted the trial offer and made the required trial payments on time. However, after reading the final documents and speaking with a representative, it was relayed to me that I could re-apply for the loan mod process again in hopes for a reduced mortgage payment. XXXX - I applied. Submitted what I needed to. Then decided to shortsale the house. The process was long but I was following through with what I was instructed to do by my realtor and the bank. The bank ( Carrington Mortgage ) kept calling me about my ability to re-apply again and stating that I did not have to sell my home. So I applied again. XX/XX/XXXX-XX/XX/XXXX - Another application process. Submitted what I needed to. This time they required the co-borrowers information. I told the bank that the co-borrower did not want to participate and was not/has not lived, maintained or paid bills on the home since he left in XXXX. I was able to proceed without providing his financial information. I was yet approved but now the mortgage increased by about {$500.00} understandable with the years of arrears but again, the years in arrears had to do with the bank not initially taking action from XX/XX/XXXX-XX/XX/XXXX. Time came to sign the trial payment agreement. This time they REQUIRED the co-borrowers signature. He was reluctant to sign since he would be responsible for a loan/house he was not living in and had nothing to do with since he left the home in XXXX. I asked the bank if they would remove his name and just take into consideration my domestic partner who they " approved '' and considered income from when determining eligibility. They said they couldn't help and that all 3 names, my name, my domestic partners name and co-borrower all had to sign. This posed a problem. I would be paying a mortgage on my own and the co-borrower would have rights to the house he was not living in, had no interest in and was not paying for. It was not a good situation to put myself in yet again. IF the bank would have considered removing his name and just having myself and my domestic partner listed as borrowers, we would have done the trial payment in hopes of remaining in the home. I then decided to look at my short sale options. Went through that process again with a new realtor. Listed the house and found a buyer in less than XXXX weeks! The buyer offered $ XXXX. HUD would not budge. Stating the amount of time in arrears was more than the amount of time allowed for a short sale. They would not take into consideration that most of those years were due to the fact that the bank failed to take action in a timely manner! I am seeking assistance in hopes to have HUD approve the short sale and look into why the bank, XXXX XXXX XXXX and Carrington Mortgage did not start the foreclosure process in XXXX when the mortgage was originally defaulted. I feel that they have been discriminatory in my situation and have not done their due diligence in investigating this particular case. Instead of running the file through a computer system for checkpoints, someone needs to review the entire history of this file and understand that the loan was most likely a predatory loan from XXXX and that they did not act in a timely manner regarding the default of payments, etc. I have tons of documents and scanning and uploading them would be laborious. I am willing to provide those documents and all communications with all parties involved if needed. Thank you.
03/29/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NC
  • 283XX
Web Servicemember
TO : Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX : Carrington Mortgage Service # XXXX My married name is XXXX XXXX XXXX. My maiden name is XXXX XXXX XXXX which was sent over to Carrington when it was transferred. The last XXXX of my Social Security number is XXXX. On or around XXXX XX/XX/XXXX, I mailed in XX/XX/XXXX payment. On or about XXXX XX/XX/XXXX I called Carrington Mortgage Services to verified if they had received the payment sent out using XXXX 3-day delivery service. On XXXX XX/XX/XXXX, XXXX payment was sent out. Carrington Mortgage XXXX representative informed me that I was still a payment behind. In fact, two payments behind. They were XXXX and XXXX of XXXX. I explained to him that I would be submitting all documents through a third party because there was no confidence from me with this company. I further stated that it has to be an agency out here that could reign Carrington Mortgage XXXX personnel in with how consumers are treated. As I explained in my last complaint against Carrington Mortgage XXXX representatives, the only reason I decided to investigate this situation personally is because I desire to get from underneath Carrington Mortgages umbrella completely. It's coming up on a year that I completed my bankruptcy, and yet, I am still dealing with allegedly late payments. My complaints against Carrington Mortgage Services begin with the following : the previous complaint under XXXX # XXXX. I was not going to refute the poor excuse as to how XX/XX/XXXX Cashier Check was misplaced, but since Carrington Mortgage 's grave issues are still referring back to XXXX of XXXX and XXXX payments, I will address the next complaint accordingly. 1. Why wouldnt Carrington Mortgage XXXX, who supposed to specialize in some level of Accounting, I pray, show more caution after seeing there was no account number and double-checking leave it sitting where it was? 2. After all parties agreed, I thought Id be receiving something attesting this from Carrington Mortgages XXXX XXXX per the representative confirmation only to find out allegedly, Carrington Mortgages representatives eventually had no knowledge of such a conversation. The letter Carrington sent XXXX XXXX of XXXX, attested to that ( Exhibit XXXX Letter of Confusion ) as well. What happened to the formal agreement about the payment plan? 3. I am asking Consumer Financial Protection Bureau and XXXX Banking XXXX XXXX XXXX Carrington Mortgage XXXX is exercising predatorial practices by doing the following : Harassing me with excessive phone calls because they are not willing to put any arrangement in writing per the conversations we have had. Carrington Mortgage XXXX XXXX XXXX created a payment arrangement we both agreed upon only for it to look like yet, another diversion. Carrington Mortgage Co purposely misled me with the situation by sending a XXXX notice? Are they stating that XXXX is the one at fault for misapplying my payments? Between this notice and the letter from Carrington Mortgage in XX/XX/XXXX about being past due, along with never receiving the formal agreement, and my favorite one, them stating there was never no conversation in regard to a payment plan, I was left confused and decided to exercise restraints by simply continuing to pay as I had because God has already fixed this situation and those wrongfully involved. Intimidate me by constant notices of foreclosing or intent to foreclose on my home. Looking at the three Mortgage statements, if I did not keep a record as to what I have paid, I would have been totally intimidated. 4. I am asking that for anything Carrington Mortgage Service is offering outside of fixing my credit score and negating these late fees if they would address it through the company so that it can be for the record? In reexamining all the documents, the XX/XX/XXXX cashier check was not discovered until late XXXX well into XXXX of XXXX. When I first heard of the XX/XX/XXXX XXXX Check missing, my husband was being rushed to the hospital, with emergency XXXX to follow. He remained in the hospital XXXX more weeks. Taking care of my family took president over Carrington Mortgages negligence at this point. However, after securing medical care for my husbands return home late XXXX or so, I reached out to Carrington Mortgage Services to find out when would I be receiving a formal agreement per our conversation regarding the payment plan. No response, which was to be expected. The investigation showed that XXXX XXXX Check had to be replaced because it was never collected. It was as though it was suspended in transit. I did a Declaration of Lost ( Exhibit 6 Declaration of Loss ) for the Cashier Check XX/XX/XXXX because it had been sitting there over 2 months. It was replaced around XXXX XX/XX/XXXX ALTHOUGH I DIDNT GET THE FUNDS BACK INTO MY ACCOUNT UNTIL LAST MONTH XXXX XX/XX/XXXX XXXX Exhibit 2 ). Ironically, now Carrington Mortgage Services are stating that XXXX and XX/XX/XXXX mortgage payments are missing. I took the initiative in trying to right Carrington Mortgages personnels wrong so I can be looked at by a reputable mortgage company because something isn't right about this company, let alone the situation. Currently, I am submitting documents of cashier checks substantiating receipts of payments to Carrington Mortgage Services and posted as followed from XXXX XXXX Bank : XXXX Paid on XXXX XXXX : XXXX paid on XXXX XXXX : XXXX paid XXXX and XXXX payments : XX/XX/XXXX paid XX/XX/XXXX : XX/XX/XXXX paid XX/XX/XXXX : and XX/XX/XXXX where the initial problem began and it was finally fixed. Lastly, because it appears this situation has become redundant from XX/XX/XXXX, I felt the need to seek help from other agencies. Sincerely, XXXX XXXX XXXX XXXX Enclosure ( XXXX ) XXXX. Exhibit XXXX Proof in Document Against MORTGAGE CO XXXX from XXXX XXXX attesting XXXX. Exhibit XXXX XXXX XXXX for Mortgage XX/XX/XXXX XXXX for XX/XX/XXXX. Exhibit XXXX XXXX XXXX for Mortgage Co XX/XX/XXXX Payment XXXX. Exhibit XXXX Proof in Document Against Carrington Mortgage Co XXXX XXXX XXXX XXXX. STATING XX/XX/XXXX WAS STILL IN WAITING STAGE 2 mons later. XXXX. Exhibit XXXX Proof Document for Carrington Mortgage XXXX XXXX for XXXX & XX/XX/XXXX. Exhibit XXXX Proof for Document Against Carrington Mortgage XXXX of Loss Cashier Check XX/XX/XXXX XXXX. Exhibit XXXX Proof in Document for Copy of Cashier Check for XX/XX/XXXX This is for XXXX XXXX XXXX XXXX. Exhibit XXXX Proof of XXXX Check for XX/XX/XXXX and XX/XX/XXXX all In XX/XX/XXXX XXXX XXXX. Exhibit 9 Proof of Delinquent Notice Unwarranted Carrington Mortgage Co XXXX. Exhibit XXXX Proof of Letter from Carrington Mortgage XX/XX/XXXX Confusion Letter Showing Mortgage Past Due 12. Exhibit 11 Proof of StatemenXXXX from Carrington About XXXX XXXX. Exhibit XXXX Proof of Statement from Carrington Mortgage LOOK THE AMOUNT STATED 14. Exhibit 13 Proof of Document For Foreclosure from Carrington Mortgage
12/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 27703
Web
Summary : 1. The home at XXXX XXXX XXXX has an estimated value of ~ {$600000.00} and a principle balance of {$270000.00}. 3. The home is under a Court Order ( Consent Order ) for Equitable Distribution to sell the home and distribute the equity by the North Carolina XXXX XXXX XXXX, XXXX NC. 2. XXXX XXXX sold the mortgage/home to a private mortgage company, Carrington : a. While the homes was in foreclosure, misrepresenting to me/owner the mortgage was just being " serviced by Carrington, not sold to them. c. While still under the COVID Cares Act forbearance and interfering with the efforts to following the Court Order process of selling the home. d. As the home increased in value due to the Pandemic taking advantage of the Pandemic effect on the owners inability to pay or move and the economy to package the home as an asset and sell to Carrington . e. Instead of selling auction per state law to the highest bidder. 2. Carrington removed the home from the Cares Act forbearance using deceptive calls asking " do you want the home '' and increased the principle balance from {$270000.00} XX/XX/XXXX to {$310000.00} XX/XX/XXXX with their specific fees and cost interfering with my process of following the Court Order with the real estate agent to sell the home. a. Carrington placed the home back on the COVID forbearance with the fees added. 3. Carrington adds {$700.00} per month in payments to the mortgage payment without explanation, and will continue until the own all the {$300000.00} of equity and increasing the payoff until the we owe them after selling the home in foreclosure. They will not sell the ask for a foreclosure sale date until all the equity is added back by their fees and processes and the owners owe them. Detail explanation : XX/XX/XXXX the home owners, XXXX XXXX XXXX and XXXX XXXX XXXX, voluntarily submitted to a Court order for XXXX XXXX sale of the marital property at issue in this complaint ( XXXX XXXX XXXX, XXXX NC ) by a Consent Order of the XXXX XXXX XXXX XXXX North Carolina ( attachment XXXX ). XX/XX/XXXX The Court Order was signed by an Court as an Order of the Court and specifically ordered the home placed on the market by XX/XX/XXXX. XXXX XXXX XXXX remained in the home and the Court Order ordered XXXX XXXX XXXX to pay the mortgage until sold, and ordered the real estate agent and owners to reduce the price until sold to assure a quick sale. XX/XX/XXXX XXXX XXXX XXXX decided abandon the mortgage by : 1. living in the home without paying the mortgage ; 2. Refusing to respond to XXXX XXXX inquiry/Collection efforts ; 3. Refusing to sell the home to avoid foreclosure, inexplicably living in the home without paying mortgage or signing the agreement with the real estate agent to sell the home ( attachment 2 ). XX/XX/XXXX, the Home fell into foreclosure for a second time while the home was with XXXX XXXX. XXXX XXXX XXXX continued the process of abandoning the mortgage by refusing to respond to calls from XXXX XXXX for payment and refusing to sell the home, inexplicably choosing to loose the home in foreclosure. Note : A foreclosure sale at that time would have paid the principle balance ( {$270000.00} with an ~ $ sale value of {$540000.00} ), penalties, and processing cost of the bank leaving the owners with equity of at least {$140000.00} to be divided per the Order of the Court. XXXX XXXX XXXX continued communications with XXXX XXXX and Now Carrington Mortgage company. XX/XX/XXXX Owner XXXX XXXX XXXX filed a motion to enforced the Consent Order Order of the Court to sell the home with a Contempt of Court and Show Cause to force XXXX XXXX XXXX to respond to the real estate agent and sell the home ( attachment 3 ). XX/XX/XXXX, however, while the home was in foreclosure but before a sale date was set, XXXX XXXX XXXX submitted a request for COVID forbearance relief to XXXX XXXX under the CARES Act. XX/XX/XXXX While I ( XXXX XXXX ) continued to communicate with XXXX XXXX on the sale of the home before the end of the COVID relief and foreclosure, XXXX XXXX used the value increasing value of the home, occurring due to the pandemic, to package the ~ {$300000.00} in equity as an asset and sell the mortgage to Carrington while the home was in foreclosure and under the Cares Act. The process of the sale to Carrington interrupted the process of getting the home sold and with the real estate agent as XXXX XXXX mislead with the correspondence that the home mortgage was being serviced by Carrington and not sold to Carrington. XX/XX/XXXX, for more than two months after the sale to Carrington by XXXX XXXX, I could not contact them and continued to correspond with XXXX XXXX for an explanation as to why the mortgage was sold to Carrington while still in foreclosure. From reviews, it was clear Carrington would use methods to take the equity in the home and force the owners to abandon the home and equity or owe them after the foreclosure sale after taking the equity in fees, etc. XX/XX/XXXX Carrington began calling and asking " do you want the home '', I explained that the home should not have been sold to them while in foreclosure. I explained I was in the process of being placed on the market to sell within a month of placing on the market. Carrington then removed the home from the COVID CARES forbearance stating that my explanation was that I was abandoning the home and wanted it sold in foreclosure. I requested all correspondence be in writing at that point. A payoff was then sent at my request which listed the payoff {$310000.00} with their processing fees, attorney fees, etc. which was an increase t in the principle from {$270000.00} in XX/XX/XXXX at XXXX XXXX. Please note the home was still under the COVID Cares act forbearance with Carrington when the principle increase was sent. While in the COVID Cares forbearance Carrington stated they would add $ XXXX to the the mortgage payment, which will increase the amount owed to pay off the home at a private sale or public foreclosure until all of the equity is owed to Carrington and we owe them money. Under FHA rules, I have the right to take up the mortgage if XXXX XXXX XXXX signs over the home in a deed in trust but Carrington representatives by phone state, with a nasty creditor attitude, they do not get into all that personal stuff and I can not get an address to send the Court Order ( attachment 4 ). I will only provide documents the Companies do not have and documents I attempted to send to them for the purpose of equity when the home is sold ( The Consent Order of the Court ). I need : 1. a detailed accounting of all fees added and when added. 2. the Federal ( FHA XXXX HUD XXXX etc ) and NC state rules and laws allow these additions normally and under the Cares Act. 3. Return to the principle state of the loan while with XXXX XXXX, before Carrington addition.
10/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92591
Web
In 2018 my wife and I communicated to Carrington about going through Loss Mitigation with Carrington Mortgage Services. After receiving the packet in the mail, we promptly filled out all areas and returned the package. We never received any response after that and decided to just try and forge ahead. Carrington Mortgage Services has sent us current notice that we have in fact tried for loss mitigation prior to our current process of loss mitigation but we never received communication as to it. To us, that sounds like they dropped the ball and never followed through with even attempting to help out when we asked for it. On to the current circumstances. We once again submitted the package requested in late XXXX, and it was recorded that it was received on XX/XX/XXXX. Up to this point we submitted everything asked of us. We did in fact receive communication that we had left a few items out from the application which we again, promptly corrected. We never took more than 1 day to resubmit documentation that was asked from us. I can myself for follow up nearly 20 times if not more and that does not include my wife calling for follow up. Although we understand it is our responsibility to follow up, it would have been nice to get some type of communication after the first call. I have screenshot after screenshot on my phone about how it was an " incomplete package '' been never mentioned why. When we would call in it was generally a missing piece of documentation and we would have to explain that we already sent it in. However, this was never with the Loss Mitigation Department as it was with customer service. Almost every time, customer service was able to track down the missing documents that were submitted. The times we needed to put signatures on the right pages we did again only because customer service would let us know. This process wouldn't have been so bad if A ) it wasn't so confusing! B ) what was needed was more clear. C ) It wouldn't take literally 1 week between the submittals of docs and an update on their " flow chart ''. D ) we got our hopes up when it finally went to " underwriting '' the next step of a " complete package '' only to receive a letter stating they needed one more piece of information that was already in the initial package with the letter of reasoning we wrote. We sent in everything, it took some more time but finally it went back into underwriting. We were denied, which is obviously a huge downer going through everything they put us through with all of these documents. But more so that when we finally got that letter it was in XXXX nearly 2 and a half months after the submittal of assistance with Lost Mitigation! The process was worse than applying for our home in the first place and when we refinanced with Carrington some years ago. Originally when I called Carrington to get some help, I asked to see if we could refinance the home, even at a higher rate, because the amount of equity we have in our home is very high. Long story short, nearly 4 weeks after, I decided to call Carrington and make a payment and also ask what was taking so long with the process and also what to expect. After talking with the customer service representative at that time, she informed me that I would have to contact a completely different department and work with " lending ''. I did that. Talked to a gentleman who was going to be able to help us by getting us a refinance loan that would wipe our debts and pulling some cash out but we would be paying a XXXX % which we would have loved to do, but then it didn't work on their end because of some finance issues they saw. I understood that, so we tried a different angle. After we stated discussing, the gentleman that was helping us completely stopped responding to my emails and my phone calls. I understand that what was being asked could put someone in a compromising position should we not be able to repay or other red flags, but what bothered me was again, we had to submit all kinds of documents, sign a bunch of forms and in the end, it was a complete waste of our time and got our hopes up. And in the end, the communication stopped in the middle of us working on a different way to refinance with the same department and person. We received a denial letter from that department a week before we received that Loss Mitigation denial stating our " credit application was incomplete ''. We know it was not as we submitted the documentation and kept documentation of the submittal and we were still getting correspondence up to that point and everything was supposedly good. Again, the problem I have is the lack of correspondence and complete disregard to returning our calls and emails. I believe us to have been very patient with this process but now feel as the company is extremely poor in the way they handle relations with their customers and clients and feel as though this particular situation was uncalled for with how we were treated. I'm currently working tons to keep up and we are doing okay now. My kids are young and moving in the house that they have been growing up and that we are the originally owners of our home, one would think that we are doing the right thing by working with our current lender. I have tons of documentation to attach if it will be needed to help resolve this issue. In the mean time, we are resubmitting everything again with even more up to date information to Loss Mitigation at Carrington. This was due to discussion after calling today and being transferred over to Loss Mitigation ( their number never works! I have called direct many times and it never worked. This was the first time I was able to talk with someone there. ) We did appeal the action and that was denied because apparently the underwriter put that our new income that we put in was less than what we were originally making. In the letter of appeal that I wrote the new income was on top of what we were making putting us into a category that would have worked to go to the next step. We were blamed because we never originally submitted that. Which we did not because we were not asked to. When I submitted letters prior to the denial I declared that I had picked up a new full time job on top of our current income. I did also submit paycheck stubs that apparently were " not received ''. I have record that I did submit this information to Carrington. I don't appreciate or like the fact we have to do this process all over again just to get a month or two of breathing room so we are actually officially caught up. Our mortgage is literally the only debt we have. No CC 's no car payments, nothing. We would just really like to move forward and continue making our payments and that's it.
07/17/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 78254
Web Older American
This is the second time I reach out to the CFPB. The previous case was closed under the presumption that this had been resolved and it has not been resolved. I have enclosed a letter below that I have sent out to Carrington Mortgage, XXXX XXXX XXXX and several others. It is approaching the two year mark of a storm that impacted my home at XXXX XXXX XXXX XXXX XXXX GA XXXX. I have spent all this time attempting to resolve the issue. Carrington Mortgage had my escrow account to pay for taxes and insurance. They failed to pay my insurance and it lapsed in coverage. I learned about the coverage lapse when I attempted to file a claim with my own insurance company and was told that the policy had been cancelled for non payment. Carrington then force placed an insurance policy with XXXX XXXX XXXX and I have yet to resolve the issue. Carrington has not released approximately {$2100.00} dollars in insurance proceed despite having received all the documentation they have requested from me and despite inspection reports documenting that the home has been repaired. XXXX XXXX XXXX will not respond to my requests to review the damage and the repair costs despite several attempts. They hired a property insurance inspector that provided a report in which the adjuster based his findings. Neither the insurance company nor the adjuster will provide information as to how the inspector meets the qualifications to make the assumptions in which they based their insurance determination. This home had remodeling completed that was under city , county ordinances and codes. The architect and engineer where in fact licenses. The inspector faulted the remodeling for the damage to the roof in the main home rather than the storm and he does not have the credentials to support his findings. This is yet another attempt by Carrington Mortgage and XXXX XXXX XXXX to not pay a claim. I am not able to obtain my own insurance that has the coverage I need because of their mishandling. I am out of pocket in the excess of {$11000.00} and yet to see a reimbursement.This has caused me tremendous hardship. I can't pay my mortgage on time. I am elderly and live on a fixed income. Every time I call Carrington they ask for a document, I provide it and then I call back and they ask for another document. This has been going on for almost two years. Below is the letter sent to XXXX XXXX XXXX XXXX Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX Reference Policy # XXXX Claim # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX GA. XXXX XXXX XXXX XXXX Dear Mr. XXXX, I called and left you a message two weeks ago and never received a return call. I am writing to you concerning the above mentioned claim and the handling of this claim. Allow be to provide you some details on how this policy was implemented. Carrington Mortgage became the new servicer to my home loan that was previously serviced by XXXX XXXX XXXX. My loan includes escrows for taxes and insurance. Carrington Mortgage failed to make payment to an insurance policy that had been in place since I bought this home in XXXX of 2008. Due to their breach in our mortgage agreement which requires them to pay the insurance policy, my policy was cancelled. I became aware of the cancellation when a storm impacted my home and I attempted to file a claim. I was advised that my insurance had lapsed. I contacted Carrington Mortgage and they force placed insurance with XXXX XXXX. The damages to my home are approaching the two-year mark. I am unable to obtain my own insurance policy due to the gross mishandling of this claim by Carrington Mortgage and XXXX XXXX XXXX. An inspector was sent out to my home, XXXX XXXX soon months after the damage to my home. My understanding is that this inspector is not a license engineer nor a licensed architect yet you as the adjuster accepted his findings that some of the damages to my roof were a result of faulty construction to an addition to my home. This addition was in fact managed by a licensed engineer, a licensed architect and approved by a license state inspector and real estate general contractor. My home has had over {$12000.00} in repairs resulting from the storm damage, all of which are covered under this insurance policy. My home was renovated when I purchased it in 2008. Since then, my home has had all electrical, all plumbing and now new roof to the main home as well as the three car detached garage. In addition to these updates, my home has had the kitchen and all three bathrooms remodeled over the last 10 years, I have spent over {$70000.00} renovating this home. Most recently the HVAC system, yet you and the company you represent deducted for depreciation. I am an elderly citizen and I feel that this situation has been mishandled by your company and Carrington Mortgage. I will be contacting the state and federal agencies that oversee both the insurance and the mortgage companies involved in this matter. There is currently an active case regarding the lapse and mishandling of the insurance policy by the Consumer Financial Protection Bureau. I am providing them a copy of this correspondence for their records. I will also be sending a copy of this letter to the Office of the Insurance and Safety Fire Commissioner, Georgia Department of Insurance, Congressman XXXX XXXX XXXX XXXX and Senator XXXX XXXX. Enough is enough! I live on a fixed income. The cost of making these repairs has devastated me financially and someone has to be held accountable. I am requesting that the claim for the damages of my home be reviewed by your supervisor and a finding be completed in my favor to reimburse me all the expenses for the damages to both roofs of my home along with the interior damage. I will also be requesting compensation for the damages that would have been covered under the previous policy that lapsed because of Carrington Mortgages neglect in the handling of my escrow funds. To make matters worse, my husband passed away one month after the storm and this burden has taken a toll on my physical and emotional health. I want for you to respond to my request in writing, via my email at XXXX. This request is due to the lack of accountability of all parties involved and to ensure that there is no miscommunication pertaining to this matter. I further authorize my daughter XXXX XXXX to speak on my behalf when I am not available or able to due to my schedule and health issues. Respectfully, XXXX XXXX Mailing Address XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX cc : Carrington Mortgage cc : Senator XXXX XXXX cc : Congressman XXXX XXXX cc : Office of Insurance and Safety Fire Commissioner State of Georgia cc : Consumer Financial Protection Bureau
06/22/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 32607
Web
Complaint about Carrington Mortgage Foreclosing on FHA loan in Federal Disaster area after owner requests disaster relief for the Hurricanes affecting XXXX and XXXX XXXX. I recently bought a home on a FHA loan through Carrington Mortgage in XXXX. I was impacted by the hurricanes of XXXX both in my home state of XXXX and where I was working in XXXX XXXX. I was able to shift my work back to XXXX but lost some time at work due to the storms and lost out on potential future revenue from an upcoming business opportunity that aligned with my research that may have yielded future work and XXXX school opportunities with the XXXX XXXX XXXX XXXX XXXX . When I received a letter from Carrington dated XX/XX/XXXX offering assistance due to the hurricanes I called them immediately. I called and spoke to a representative that told me I was in a federal disaster area, and that I could seek deferment for 6 months and at the end of the 6 month period I would pay my normal mortgage and that the unpaid mortgage payments for those 6 months would be added to the end of my loan extending the date to pay it off, and I accepted it. However, the next month I got a mortgage statement ; it showed an overdue balance. I called and spoke to a representative from Carrington who assured me everything was ok, that the paperwork hasnt caught up with the disaster relief and that I didnt need to make a payment. Same thing happened the next month and I called again and got the same assurances. Then on XX/XX/XXXX, two days after XXXX while visiting my fiancs relatives in XXXX XXXX I get a phone call from Carrington saying they are going to foreclose on my property! I called and after several hours on the phone I reached a verbal agreement for disaster assistance from XXXX at extension XXXX. The terms were I could pay what I could but normal payments would start back on XX/XX/XXXX, I didnt need to pay anything now ; and nothing was mentioned about paying back mortgage payments. I still never received anything in the mail pertaining to the disaster relief, the terms of my relief package, or what my rights were under this agreement. I still continued to receive mortgage statements every month that showed I owed a past due amount from XX/XX/XXXX on till XX/XX/XXXX. Every month I would call and get the same response that I was in this disaster relief program ; that I was in a Presidentially Declared Major Disaster Area and a payment wasnt required. At no time was I made aware of the requirement to pay the back mortgage to become current. After contacting Carrington Mortgage again to try and gain insight into my loan I noticed on the website that I could not access to certain parts of my loan and that when I discovered that it was in default. Soon after that I received a notice of intent to foreclose in the regular mail, I never received anything by certified mail and thought it was my normal mortgage statement and didnt open it at first. I called and spoke to someone at Carrington, and though they were apologetic about my current predicament, and were as just as confused as I was as how I ended up here ; were not really willing to offer any way forward other than to submit RMA paperwork. So I submitted the first RMA paperwork on XX/XX/XXXX and received a confirmation that it was to be reviewed. On XX/XX/XXXX I received the Loss Mitigation Evaluation Notice that stated I did not qualify for any assistance and my only option was to liquidate the home. I called and spoke to a representative in the Mortgage department and upon hearing that I left out my fiancs income and a few other assets-he encouraged me to reapply. However, I was not made aware of my rights to appeal any decision nor was I aware that I could have been making payments all along to Carrington. So I reapplied for RMA on XX/XX/XXXX and the package was under review, it was sent back for being incomplete on XX/XX/XXXX, needed a full RMA on my fianc as well. The RMA was updated to reflect myself ( XXXX XXXX ) and my fianc ( XXXX XXXX ) on XX/XX/XXXX. I updated it again on request from Carrington on XX/XX/XXXX and all the required documents were uploaded and finalized on XX/XX/XXXX. I was not made aware of the outcome of the RMA like I was before and was under the impression that, and told by numerous Carrington representatives that the foreclosure proceeding would be put on hold while the RMA paperwork processed. So beginning on XX/XX/XXXX I start to receive unsolicited phone calls and text messages about buying my house, followed up by lawyers and law groups offering to represent me for my foreclosure? One of the advertisements from a local law office has a copy of the Notice of Lis Pendens that shows Carrington Mortgage initiated foreclosure proceedings against me in court dated XX/XX/XXXX, XXXXhree days after my final updated RMA was uploaded to their website. Further look in the court docket shows that Carrington Mortgage started foreclosure proceeding earlier that XX/XX/XXXX, but never made me aware of this- nor did I ever receive official documentation of this or the outcome of the final updated RMA . There were many inaccuracies in the foreclosure notice as well, in one document that county is listed wrong. Its been my intention to stay in the house all along. I made Carrington Mortgage aware of that at the very beginning. I have never received any official paperwork as pertains to the disaster assistance I was provided, the terms, or my rights under such an agreement. I have talked to numerous Carrington Mortgage staff and have received varying answers to specific questions concerning my mortgage from the beginning. Upon speaking to several associates and supervisors I got the impression that they do not know how the foreclosure process works or are trying to cover for past mistakes, when I called on XX/XX/XXXX, they didnt know that the foreclosure was in the court system already and incorrectly stated that it was on hold. Carrington acted in bad faith in not clearing up whether I was under an assistance program or not and that when payments would be required. It is my desire to hold Carrington to the disaster assistance I was offered in the beginning, that I could make my normal mortgage payments and that the back mortgage would be rolled into the loan extending the payoff date. Carrington initiated foreclosure without properly informing me and my rights as a borrower under FHA guidelines. I also desire to look into the fees and fines charged to me under this disaster relief, foreclosure proceeding should have never been started so early into the process.
01/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • UT
  • 843XX
Web
Please note there was no choice that suits this circumstance and I chose what was closest. ie : Applying for a mortgage or refinancing an existing mortgage I told Carrington Mortgage of the fraud already. So they are liable to the fraud happening and connected with this account. I do not consent. XXXX and the lawyers made their choices. Clean up this mess please and make it right Carrington Mortgage. I'm sure your license is precious to you too. I have been targeted for the past year by 3rd party collection agencies all over the states because XXXX XXXX keeps opening up accounts in my name without my consent and using my identification. I have been called and harassed by them and derogatory remarks made in a way that should not even be happening. My lawyer told him not to do it any more and he continues still. A demand letter was recently sent and they continue to send me a XXXX account again to pay XXXX. I also just got a letter from Carrington Mortgage company that foreclosure warning for them. So they are now wanting to get me out of the picture altogether and plan on evicting me from the home that is really mine since XXXX that XXXX has apparently taken from me for nothing. I sent him XXXX certified documents for him to answer my questions that I have every right to know. Like for example, authentic proof of the wire transfer on XX/XX/XXXX he was going to make. He has sent me nothing except he and his team doctored up a recent accounting. I also got XXXX sent to me from XXXX directly and they do not have those amounts listed like with XXXX 's team had put together. Same ole deceipt. Nothing is on the up and up with these people. I have frozen my credit reports. I have disputed about this identity fraud and am gathering my evidence to send them soon after reopening. There is an ongoing investigation with fraudulent documents with my signatures on them that I never saw on XX/XX/XXXX that were notarized where I was not present for them either. I will speak to a detective on Monday about this. I had written a certified letter to XXXX XXXX XXXX and XXXX XXXX in XX/XX/XXXX wondering if they were aware of the fraud going on and that this made them liable to the fraud. XXXX XXXX account was already closed then but I wanted them to know. I'm sure their license is precious to them. XXXX XXXX XXXX released me and then closed the account on XX/XX/XXXX. Remember I had already made full pay offs to both banks XXXX 's that were accepted. These accounts no longer exist but they try again to reopen them. Recently the Lawyers had XXXX ask me for another full pay off. When will this end? I hope you can do something about this. It's beyond anything I've ever experienced and would not wish this on anyone. It has been a nightmare. XXXX and XXXX tried getting me to sign up to XXXX again around this time that the Legal counsel closed my account and I noticed they changed the account number by dropping the XXXX to deceive me so I would contract with them. I did not consent. Also they basically stated on the statement you can pay XXXX with XXXX or you can go to Carrington Mortgage and have XXXX mortgages possibly to get me to consent with XXXX. I do not consent to any of this fraud. I do not want anything to do with these people. Why would I? The XXXX was closed in XX/XX/XXXX after payoffs accepted by the CEO 's back then. The Lawyers used urgency and undo duress and would not take my home off the auction block even though I told them the XXXX 's accepted my payoff. It's a well oiled machine. They create so much unnecessary duress and would not even postpone this auction when I pleaded with them. Even when I told them the CEO accepted the payoff 's. They not only accepted the payoff 's but they asked me to send them the payoff that was including fees etc. So I did and they accepted that too. XX/XX/XXXX was the last payment which was by the CEO. Again to get them off my back. This shows on the credit report as the last payment which was the full payoff amount. They would not even postpone the auction that was on XX/XX/XXXX. The lawyer told me that I would need to come up with an official proof of a wire transfer by midnight that night. They would not stop. Come to find out XXXX was the only one at the auction. This too is against the law. I had no clue this is what his secret agenda was. It's very apparent what the agenda has been all along. He said he would pay off the fees and remaining amount on the accounts. That he would put my Family Trust in another Trust where I would be the beneficiary and would be able to keep my house and the equity. I could refinance in 6 months. It was this or my house would be auctioned off. This is the kind of environment they create that is so stressful. He left it to the last minute on XX/XX/XXXX, so I had no more options. I had many people that were happy to make me a decent offer too to buy my house from me. When I finally got the copies I was in shock at the notarized signatures to documents I had never seen before? XXXX had dismantled my Trust and put himself as the Beneficiary to the securities. He asked me the night before to send him copies of my trust. So I sent him 3 pages unfortunately. I have an email where he says he will need to get the rest of the trust tomorrow. On the document he uses his old company that has been inactive since XXXX and the lawyer 's address says XXXX, Utah. All very shady. I do not consent. XXXX changed it up and made his choices. I want nothing to do with any of them. I have had enough of their harassment and I want it to stop. They are very predatory, aggressive, arrogant and greedy and will not stop because there are many fingers in the pie. Not my problem. It was all done illegally from the get go. No court order. The lawyers used robosignatures, different signatures for the same person, changing the spelling of a Lawyer 's name to deceive. It's disgusting and I'm sure I'm not the only one that has had this happen from these people. For example when I asked for a verification of the signature of the woman whom boldly signed my house over from XXXX. I was told they could not get that for me nor would she speak to me. They would just bulldoze over me and ignore anything I would say and were mean about it. Hmmm weren't they at the time supposed to be of service to me too? XXXX recently told the Sheriff that I'm not all there, If you know what I mean, he added. This is what he does. He deflects things off of him and everyone believes XXXX. He is a classic conman.
05/22/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • ME
  • 044XX
Web
In XX/XX/XXXX, I submitted a request for mortgage assistance to my mortgage company, Carrington Mortgages Services. I filled out the application as well as sent them all of the other documentation that the requested of me ( pay stubs, bank statements, etc. ). The reason we fell behind on our mortgage payments is a direct result of my husband being out of work for 5, nearly 6 months after undergoing emergency XXXX XXXX XXXX XXXX as well as other medical complications. This left me as our only income during that time and I am not capable of paying all of the bills on just my salary alone. Also, we were inundated with my husband 's medical bills that we needed to make at least some payments on. At the time I submitted the request for assistance in XX/XX/XXXX, we were only 3 or 4 payments behind. Once I had submitted this request, I was given a complete runaround by Carrington. They repeatedly claimed that they were missing documents, even though I had sent them multiple times, both via fax and email. I continued to get this nonstop runaround until mid to late XX/XX/XXXX, when I was finally informed that they had received everything that they needed and that my file was now in underwriting and that it would take about 30 days to hear back from them. I heard nothing. Come XX/XX/XXXX, I received a letter in the mail from Carrington stating that my application for assistance had been canceled because they had not received all of the required documentation. This was COMPLETELY false. The last time I had spoken with Carrington in mid to late XX/XX/XXXX, I was told that they had EVERYTHING they needed and that my file had been sent to underwriting. As a result of this nonsense, I had to start my application all over again from scratch. Because of Carrington 's complete carelessness, we had fallen several more months behind on our payments and we were only going to continue to fall behind while having to go through this whole entire application process again. Long story short, I sent them a whole new request for mortgage assistance packet with all new bank stubs, pay stubs, etc. They put me through the same nonsense of claiming they were missing documents, even though I had sent them. This past Friday, XX/XX/XXXX, I received a letter in the mail from Carrington claiming that we did not qualify for the loan modification that we so desperately need and the only thing that we qualified for was " liquidation. '' This does NOT help us in any way, shape, or form. We are NOT going to " liquidate '' anything. My husband has been back to work full-time for a while now and we are perfectly capable of affording our normal monthly payments again ; however, we just need help with getting this past due balance deferred to the end of our loan. Carrington claims that we received a loan modification a year ago ; however, I NEVER even applied for a modification last year. What happened was that Carrington informed me in the spring of XX/XX/XXXX that there was a shortage of escrow, which was NOT the case ; however, they continued to claim that there was a shortage of several thousands of dollars and expected us to pay it. Well, this did NOT fly with me as I knew this was not true and I also read on the Consumer Reports complaints page that Carrington has done this to MANY other customers and not just us. As a result of this, I sent an email of complaint to the CEO of Carrington Mortgage Service, XXXX XXXX XXXX. He did not reply to my first 2 emails, but he finally replied after I sent him a third email ; however, he clearly did not mean to reply to me, but meant to forward my email to someone else within the company and had called me an " XXXX '' in this email that he meant to send to someone else, but clearly accidentally hit reply instead of forward so that it came to me instead of the person he actually meant to send it to. Here is a copy of his response that I received '' " XXXX - This XXXX has been pestering us for at least a month that I can remember, I ca n't even sort out all of the details of what she is referring to any longer. Let 's do two things here - solve whatever the current issue is asap and then get XXXX to offer her a streamline refi at whatever rate will incent her to refinance quickly, then sell the loan on a released basis into the market so that we are no longer dealing with her. Please let me know your thoughts. BR '' Obviously, I was furious. I immediately responded and let him know that I did not appreciate being called an " XXXX '' by the CEO of my mortgage company, especially when they are the ones in the wrong regarding this so-called " escrow shortage. '' I almost immediately received a phone call from the the head of the customer advocate department of Carrington, XXXX XXXX. She was very obviously asked to call me to do damage control after XXXX XXXX had called me an XXXX in an email that he did not mean to send to me. Of course, I was extremely angry and told XXXX XXXX that there was absolutely XXXX excuse for what had happened and how incredibly unprofessional that was. I told her that I was even contemplating taking this to the news media. She told me that she was going to come up with a solution for me to " make everything better. '' She later contacted me and told me that they had successfully " gotten rid '' of the escrow shortage and claimed that it was sort of modification, even though I NEVER even applied for it, never even asked for a modification, and never even knew I was getting one. They just somehow, on their own without my knowledge " got rid of, '' as XXXX XXXX worded it, the escrow shortage. I NEVER, EVER went through any sort of a loan modification process. Like I said, I never even asked for one and never sent in any applications or any other documents. They did this all within the matter of one day, just as a way of doing damage control for what their CEO had done. Now, when we actually NEED a modification due to a temporary hardship caused by a very serious medical issue resulting in a temporary significant reduction in household income, we are being refused one. I have a USDA guaranteed home loan, and I know that there are special loan servicing guidelines that can be utilized to obtain a loan modification and there was absolutely zero indication on the letter that I received from Carrington on Friday that this special loan servicing was utilized. It is very clear that Carrington Mortgage has failed to follow the provisions of mortgage servicing as required by RESPA.
12/19/2017 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 34698
Web Servicemember
My loan was originally with XXXX XXXX XXXX starting in XX/XX/XXXX. We refinanced the loan with XXXX XXXX XXXX in XX/XX/XXXX. Up until XX/XX/XXXX, I had always made my payments in the branch. In this seven-year time period, I was never late on my mortgage payment. I 've attached proof validating this claim. In XX/XX/XXXX, I went into my local branch to make my XXXX payment and was informed that my loan was no longer with XXXX XXXX XXXX and they could n't provide me with the information of where it was transferred to. A few days later, I followed up with the rep at the local branch and was told that the mortgage was transferred to Carrington Mortgage and not to worry about the XXXX payment since the transfer just happened. I was given a number to contact them so that I could make my XXXX payment. I contacted Carrington to make my XXXX mortgage payment and was told that there was no record of my loan being transferred to them. I was told that if the mortgage was recently transferred that I had 60 days before the transfer would be completed and not to worry about the XXXX payment. I will be completely honest, I truly thought that since everything was being transferred, that there would n't be a payment due for XXXX ; especially since i was informed by two different individuals from two respected companies. Maybe it was in the way that the message was relayed. At no time, up to this point had I received any correspondence pertaining to the transfer of my mortgage. In XXXX, I made my first payment with Carrington. I then made my XXXX payment. It was n't until the end of XXXX that I was made aware that my loan was 30 days past due. This was the first time that anyone from Carrington had contacted me to tell me that my loan is past due. I was confused about this phone call because I did n't realize that the payment in XXXX was still due. I informed the rep that I was under the impression that the mortgage would commensurate once the transfer was completed with no payment due in XXXX. The other issue was that I did n't have any available funds to get caught up. I explained everything to the rep and asked if there was anything that could be done to help. I even told her that when I spoke with both XXXX XXXX XXXX and when I tried to make the payment with Carrington, that since I was given the same information, I stated that this came at an awesome time for the holiday. I would like to believe if that was n't the case, Carrington could 've corrected me at that point. She said no that was n't the case and that is not a problem or concern of theirs, and insisted that I immediately make a payment. This conversation also came at an unfortunate time where our daughter had a severe family medical emergency which placed a huge financial strain on my family. It was not until XXXX that we were able to get caught back up on our mortgage, in which Carrington reported a 30-day late payment for the months of XXXX and XXXX. We recently sold our home and are in the process of purchasing a new home. Because of the miss-communications and the timing of my daughters illness, the late payments are effecting my ability to acquire VA financing on our new home. Prior to the sale of our home, I contacted Carrington Mortgage on XX/XX/XXXX, with my new loan specialist via a conference call. After an hour on the phone with them to get to a supervisor, we asked to provide us with any information that they could showing any messages left or contact made with me stating any differently. We were told that multiple letters went out and they could all be found online, including the letter that was supposedly mailed stating Carrington was going to be the new servicer of the loan and the RESPA guidelines that gave me 60 days before things started to be reported. I informed her that there were no such letters online, except for titled Loss Mitigation from ( screen shot attached along with the letter itself ). She stated that the XXXX letter was the same letter mailed on multiple occasions and that everything that is mailed to me is online. I again informed her that there were no other letters, asides from the one, and that I never received anything. I asked her to please review the history of attempts that were made to me and I was told that there were alleged calls made with no voicemails and that the first time that we made contact was in which I mentioned in this complaint. I asked if there was any way to listen to any calls that were had with me and was told that they are not available. I was instructed that the only way that we could dispute this information is to send a request in writing to Carringtons dispute department. I was told that there is a 30-day turnaround time for this request. On XX/XX/XXXX, I faxed the letter to Carrington ( attached ) pleading my case and hadnt heard anything from them within their stated 30-day timeframe. On XX/XX/XXXX, I contacted Carrington since I hadnt heard back. The rep stated that they mailed the info to me to my old address. The rep read the letter to me. The new issue that came up was that claim to have had a conversation with me on XXXX. This was untrue, and I asked the rep why I wasnt told this when I initially called in XXXX questioning the history. She said that she didnt know and could only read us what she had in front of her. I asked who I can speak to in the disputes department and was told that the decision is final and nobody else can help. This is what lead me to this complaint. In my original request, I made a heartfelt request to take into consideration the following : The miscommunication/misinterpretation of the communications with/from XXXX XXXX XXXX and Carrington Proof of payment history, reflected on my credit report showing Ive never been late on a Mortgage payment in my life The fact that at the time this was discovered/ my daughters medical needs put us in an impossible situation That once we were financially able to rectify the situation, we did and have not been late since The fact that this is going to damage the ability to get VA financing on our new home I do not feel that they are being truthful, nor have they been able to provide me with any supporting documentation. Ive asked them to fax me this correspondence twice and to have it mailed back to me. I have yet to receive either. This company has had the worst customer service and will never allow me to speak to anyone in authority to help with this matter.
01/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 027XX
Web
received and email that we will provide below of our response .borrower called and lm for XXXX.another carrington rep called today thats the 3rd different one in one week.the represnative had no real background of the account and was deficient in all written requests made recently and complaints to carrington borrower has not received information on.carrington is trying to hasten the foreclosure by glossing over important legal requests .this is becoming a comedy of errors, carrington needs to appoint one single point of contact.we also have requested non recorded lines which we have been denied, we also seek breakdown of arrearages, that borrower has not received.we have tried to be engaging and work this out amicanly and they seem just to go through the motions and window dressing .below is a sample of 2 email exchanges with this disingenious carrington outfit : To : you ( Bcc ) + 2 more Details FYI BELOW -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Sent : Wed, XX/XX/XXXX XXXX XXXX Subject : Re : XXXX XXXX Ms XXXX, I never submitted any modification paperwork as of yet. I did send in a XX/XX/XXXX letter on a payment proposal which carrington does not respond. It seems Carrington has taken position we have incomplete package on file =THIS IS NOT THE CASE.. FROM WHAT BORROWER RECENTLY LEARNED, in response to my XX/XX/XXXX letter .Carrington unilterally opened up a modification queue and stated incomplete documents without ever notifying borrowers. NOT APPROPRIATE PAINTING BORROWER AS NON COMPLIANT. Carrington is trying to make the CASE borrower is not cooperating when this is not the case. BORROWER HAS CORRESPONDENCE, PHONE LOGS AND EMAILS AND OTHER PROOF THAT RUN TO THE CONTRARY. every rep seems not to know whats going on.Carrington is distoting the accurate truthful plethura of past events to haten forecloure and facilitate counteraction in form of 93aand injuntive relief and damages. Also Carrington hired and agent, XXXX XXXX in Massachusetts to taped a note to my property stating confidential but the correspondence had no envelope and the other copy was in the street with my account number and personal information all over it stating Carrington is trying to reach us even though my spouse has been in weekly correspondence all XXXX and XXXX and no represenative stated hold on someone needs to speak with you.i filed a complaint with attorney general office and police department complaint was lodged.Also my spouse who happens to be on title and mortgage and authorized third party has repeatedly asked for non recorded line to speak on for months Also for months after being Carrington was notified by certified mail, email, and phone Carrington disregarded change of address .Also XXXX XXXX Carrington reps decepivness in his dealings back in XXXX and we were given wrong and misleading informationby him. .Those calls were not prefaced as being recorded NOr was any PERMISABLE PERMISSION WAS EVER GIVEN NO WAS THEIR A PHONE DISCLAIMER THEY WERe.carrington can not record us without permissable permission or a disclaimer, Also your reps after verifying socials account number and passwords to vet account was denied information to borrower because my souse failed to answer ridiculous questions about if we are together.seriously? Carrington can not witholfd information on a question like that.numerous letter that create a Carrington as sneaky and disingenious. in closing there seems to be a disingenious, scripted effort and try to distort the ACCURATE PLETHURA OF THE TRUTHFUL EVENTS AND try to portray borrower as non compliantOR IN A BAD LIGHT so Carrington can hasten foreclosure.A perfect example of this is back in XXXX Carrington thought they could threaten foreclosure without updating the Right to Cure as prescribed by law. A modification packet was requested as per your rep advise just on XX/XX/XXXX. Also we see have not received any voicemails from carrington .to the best of my knowledge no one has called from carrington.please stop playing ganes and deal honestly and fairly or we will go into a injumctive relief hearing to thwart any attempt at hostile transfer.Borrower has kept meticulous records of the borderline or possibly 93A unfair business practices which we welcome a judge to decide on.Borrower and borrower rep seeks amicable negotiations and resolution.Borrowers have also filed complaints with CFPB and some are still unanswered In closing, if past performance is indicative of future behavior by Carrington we dont have faith in a process that seems BE BENT IN FAILURE FOR BORROWER.Carrington SEEMs NOT TO HAVE THE CORRECT INFORMATION AND HAVE MADE BORROWER LOOK NEGLIGENT WHEN THE FACTS PURPORT OTHERWISE. -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wed, XX/XX/XXXX XXXX XXXX Subject : XXXX XXXX HELLO This message is intended for XXXX XXXX. My name is XXXX XXXX and I am a Home Retention Specialist with Carrington Mortgage Services. Please call me at XXXX. I need to review the paperwork you submitted for your modification. I am here between the hours of XXXX to XXXX Pacific Standard Time. I would appreciate an opportunity to speak with as soon as possible. Thank you 2nd email : To XXXX XXXX Cc mortgageassistance XXXX received a call today that was severley lacking in the facts.we could not even begin discusions into any type of modification nfor he stated he did not have our XX/XX/XXXX letter. why is there not 1 single point of contact? Why are people calling who are refuting receiving documentation sent in by verifiable sources that we can proove was received? Why has no one reviewed rhgis account in depth? why have not we received a breakdown in detail of arrearages to date? why does carrington seem intent to just go through the motions and refuse to answer are bona fide legal requests for information? you sent and email, we called you back today, stop involving others .we already been told we have more than a case under 93 A are you ther single point of contact arrington comes to foreclose under these circumstances borrower taking this to injunctive hearing, carrington we can proove has purported numerous violations regarding this account. please call so amicable negotiations can continue.tired of reps stating we have incomplete packages when we dont, it has only been 3 days since we received modification package. also answer to all ou written r requests Reply
03/13/2020 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TX
  • 77095
Web
In XXXX I did a modification loan to bring down my mortgage payments. At the time my loan was with XXXX XXXX XXXX. That loan was later sold to Carrington Mortgage. In late XXXX early XXXX I contacted Carrington to request processing a refinance in order to do an equity cash out. When I called I spoke to XXXX XXXX to start the process. During the time of asking and answering questions I was asked if I had ever refinanced my home. I of course said yes I had done a modification in XXXX. I was then told that amount had to be paid back first and added the end of the original loan and would then be less that amount for the cash out I would receive. I understood and agreed. After several other errors made by Mr. XXXX whom was laid off due to this issue with this account, I finally asked for someone else to help me. I then started working with XXXX XXXX. Everything seemed to be going fine and when I came to closing out the paper work I was then put into contact with XXXX XXXX. When talking with her several other changes where made do to the miss information I had been given by Mr. XXXX. During closing I received my Payoff Statement and it clearly has a line saying " Deferred Pursuant to Loan Modification : {$6000.00} My original Loan principal Balance was {$62000.00} with other charges and the modification being one of them the payoff balance was {$67000.00} I never questioned the amount asked being they are the mortgage company looking up the information to give me. My husband and I closed on the house XXXX of XXXX and received the equity cash out a week after closing. Everything at that point seemed to be fine. On XXXX XXXX I received 3 letter from HUD stating they had never been payed for the Loan Modification I did in XXXX. They said the amount I owed was {$5700.00} and if it wasn't paid I could potentially have my home foreclosed on. On XXXX I sent an email to XXXX XXXX from Carrington Mortgage regarding the letters. She asked me to sen her copies of the letters so I did along with the Payoff Statement from Carrington. On XXXX I again sent XXXX XXXX from Carrington Mortgage an email because I never heard back from her. She responded with an email stating they didn't see any error on their part but I again had her refer to one of the documents I had sent to her on XXXX of the Carrington Payoff Statment On XXXX she emailed me back stating I was right and had even highlighted the line on the Payoff Statement of the payment On XXXX I emailed XXXX XXXX of Carrington Mortgage and asked for the document of payment to be sent to me for my records. On XXXX I again emailed XXXX XXXX of Carrington Mortgage and asked again for the document of payment be sent to me. I never heard anything back again until XXXX when she called me to ask me to call her to discuss the account. I had missed her call at the time so I emailed her that I would call her once I was off of work. When I called her she proceeds to tell me that the loan for HUD was different from the Deferred Loan Modification. I disagreed with her and told her that couldn't be because that was the only time I had processed any modifications. When I asked her what and who was paid the {$6000.00} I was told that was for other fees and penalties. She couldn't explain anything more. She told me I could apply to re refinance and go through that entire process again. She had tried to tell me I had been misinformed by XXXX and that XXXX XXXX must of missed the HUD loan. When I said I would not be refinancing anything she then said I would need to contact XXXX XXXX from XXXX XXXX of any questions I had. I emailed XXXX XXXX again on XXXX requesting who was paid the {$6000.00} and that I wanted an itemized statement for that amount. She responded with - refer any questions to XXXX XXXX at XXXX XXXX. Nothing more on that email. Like she was washing her hand of me because she wasn't going to get anymore money out of me. I called XXXX XXXX of XXXX XXXX on XXXX & XXXX leaving messages. When I never heard back I emailed her on XXXX She did call me back but with no information. She said she was going to call her legal team to see what happend. When I talked to her again later that day she told me the legal team at Carrington Mortgage had my file and that I should hear from them by the end of the week. I called HUD on XXXX & XXXX leaving a voice mail to be called back On XXXX @ XXXX XXXX XXXX called me back from HUD. He explained to me that the loan had not been payed off. I told him what information I had on my Payoff Statement from Carrington for the amount of {$6000.00}. He said first of all that was a red flag because the amount is only for {$5700.00} and because it is a government loan there is no interest or penalty fees. XXXX then proceeded to inform me that the file was turned over to the Treasury Department on XXXX XXXX I called and spoke to XXXX at the Treasury Dept on XXXX she informed me that do to them gaining the file a 30 % fee was added to the total of the HUD Loan and now I had to pay {$7500.00} She did inform me that I could send in a letter to dispute the claim until I could get this taken care of by Carrington Mortgage. I sent in the dispute letter on XXXX I have to ask for an extension on my taxes because if I qualify for any refund the government will keep it. I have lost several hours from work to be able to make the calls and send the emails to try to have someone contact me back On XXXX I sent an email to XXXX XXXX of Carrington Mortgage and XXXX XXXX of XXXX XXXX demanding a call back and a supervisors name and contact information being that I had been asking for that several times already. I had already waited almost 2 weeks for their legal team to contact me and as of that day I still hadn't heard a word. XXXX XXXX did email me back stating she had forwarded my email to her contact person at Carrington Mortgage. Finally on XXXX I received a call from XXXX XXXX of Carrington Mortgage Legal team. He informed me that he had JUST received my file and could I explain to him what was going on. I was livid that I was being told he was just getting the file for the first time after I had been told for 2 weeks they were working on it. I explained what was going on and he said he was going to start his investigation and he would get back to me. He couldn't give me an estimated time frame of how long this could take. I have been dealing with this for 5 months too long.
07/01/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32526
Web
There are 2 different issues happening here. The first, is that Carrington Mortgage Services sent me Terms for a Trial Period Plan to agree to that stated that my credit score " MAY '' be adversely affected while in the 3 month program. Their wording is deceptive and alludes to the possibility that it won't affect my credit as long as I keep to the terms I agreed upon. However, they knew they would be reporting adversely because, according to their explanation, since I was still in the trial period, my actual payments never changed and therefore, since I didn't make my actual payment, it was still technically, not paid. It's a Catch 22. They tell you to not pay anything over what they say and then penalize you by reporting you to the credit bureaus, even though you're complying with what they asked! It's insane. Second issue is they are claiming I didn't make my payments for XXXX or XXXX of this year. Both completely untrue. Not only did I make my payment for XXXX, but when I called to make my payment for XXXX, the Carrington Rep told me I couldn't because my TPP didn't start until XX/XX/XXXX. I asked again when I called back in XXXX to make my first payment and was reassured by an agent named, XXXX, that according to the terms, had I made a payment in XXXX it could've affected my ability to participate in the TPP so no worries. I am pasting a copy of what I sent back to Carrington in response to their letter they sent me dated XX/XX/XXXX. This was in regards to my initial complaint I made on XX/XX/XXXX. XX/XX/XXXX To : Carrington Mortgage Services Customer Service Research Department Fax # XXXX Re : Negligent Credit Bureau Reporting To whom it may concern, I have previously written in regarding your reporting practices while I am participating in this loan modification program. Your response dated XX/XX/XXXX is not only inaccurate, its ignoring some incredibly important information. I highly question the capabilities of the person whom you entrusted to do this research because even the most basic of investigations would verify when I called in and when I paid, yet now you are requiring me to prove everything you already have. First point in contention : Your justification for reporting me to the credit bureau by referencing the initial agreement. The initial agreement states, Your credit score may be adversely affected by accepting the Trial Period Plan. It says your score MAY be affected. The word may alludes to the possibility that it may be affected but it also equally means that it may NOT be affected. It was never clearly stated that regardless of my on-time payments and abiding by your rules, you would still be reporting me. Your words, instead, lead one to believe there is a way to NOT have your account reported and there is a possibility it wont. That is a flat out lie and your terms should reflect that instead of giving false hope that credit wont be affected. Had I known that you were still going to report me late to the credit bureaus I would have never accepted this agreement. Why would I? I have been trying to repair my credit and was already nervous about my upcoming bills which is what prompted me to ask for assistance in the first place. I even stated as much on the phone to your rep who talked to me about what options I had back in XXXX. Your attempt to deflect culpability is not going to pass. Second point of contention : You stated in your response that no payments were recorded for XXXX or XXXX. I beg to differ. XX/XX/XXXX I spoke to a representative there at Carrington when I realized my mortgage was still showing as not paid. I discovered then, that my payment had gone up. I had already paid {$450.00} XX/XX/XXXX ( because my previous payment was {$440.00} and change ) so I was deficient by {$55.00} and change. I was told to make up the difference by XXXX XXXX to avoid late fees and reporting to the credit bureaus. I didnt have the money to do it at that moment but once my SSDI check hit my account at the end of the month ( XX/XX/XXXX ) I made a payment for {$560.00} which was posted to my bank account on XXXX XXXX, XXXX. That covered the amount I was deficient in XXXX, plus my XXXX payment. At the end of XXXX, I received the paperwork that I was accepted into the TPP and my payments would start XX/XX/XXXX. XX/XX/XXXX, I called into the call center to ask what my payment should be for XXXX since I had just sent back the documents for the program. I was instructed by your representative, that no payment was due. My program started XX/XX/XXXX, and that no payment could be taken because it could nullify my participation in the program if I made any additional payments ( that is also covered in your terms ). XX/XX/XXXX, I called in and spoke to XXXX, confirmation # XXXX. XXXX confirmed what I was told in XXXX about why I was not allowed to make my payment because my plan didnt start until XXXX. He said I needed to make my payments by phone while program. Thats TWO DIFFERENT CARRINGTON REPS TELLING ME TO NOT PAY XXXX PAYMENT. Please note, in my previous communication, I stated that I made my XXXX payment at the new payment amount plus extra to cover the difference on XX/XX/XXXX for {$560.00}. That was a typo and the date was actually XX/XX/XXXX. As I stated previously, this is a clear violation of terms that your company set out and its surely violating my rights as a consumer. I find it offensive that I am further required to provide documentation to prove my payments were made when you already have that information in your system and it was acknowledged by the Supervisor I spoke with today ( XX/XX/XXXX ). As of the date of this letter, I have already received the XXXX package with my final signatures and sent that back last week. I am requesting you amend my credit report immediately and REMOVE the late payments as I am not late. I have complied with your instructions. I have not retained an attorney yet, but I am taking steps to do so and will continue to proceed if you fail to comply with my request. Your company should be ashamed of taking advantage of your customers like this, especially in a time of need. I would like a full written response to my complaint so I know when this has been handled. Thank you. I am also sending this complaint the Consumer Financial Protection Bureau. Sincerely, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX, Fl XXXX XXXX
12/12/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
Web Servicemember
In XX/XX/XXXX, Carrington Mortgage Services , LLC, XXXX XXXX XXXX XXXX, Suites XXXX & XXXX, XXXX, CA XXXX notified me ( account # XXXX ) I was eligible for a permanent Loan Modification under the United States Department of Veterans Affairs Modification Program regarding the Coronavirus pandemic. The VA determined I was high risk for the coronavirus, because of a service-connected XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The mortgage eligibility was a 3-month Trial Period that started on XX/XX/XXXXXXXX For the purpose of, I requested a loan from my XXXX XXXX XXXX policy to cover the 3 months. I submitted 3 payments for {$1800.00}, ending oXXXX XXXX XXXX XXXX. Upon being compliant in the Trial Period, Carrington Mortgage emailed the Contract to me on XXXX XXXX XXXX. As a matter of fact, the mortgage payment increased from {$1700.00} to XXXX, and added the balance owed at the end of the mortgage to begin on XXXX XXXX XXXX Thus, I declined the Contract. For this reason, I am unemployed and regarding my VA XXXX Ratings, I am entitled to unemployability. Furthermore, there was much debate about applying my wifes financial affidavit on the application. I told them adamantly, my wife had unequivocally, no financial investment in said property. Under that circumstance, I will not submit a false application alleging my wifes financial affidavit represents the proceeding mortgage modification because her signature is on the mortgage. On XX/XX/XXXX, I was notified by email and follow-up call from XXXX XXXX XXXX Special Servicing Department XXXX She had attached another application for mortgage assistance and mailed a copy. Instructions were to email the completed application back to XXXX. On XX/XX/XXXX, I replied I had received the application and it was becoming very difficult for me to do routine things. Moreover, I will submit the application as soon as I can. On XX/XX/XXXX, I emailed the signed application dated XX/XX/XXXX, with attachments. In sum, amid other follow-up call whereas I informed them that I had received some of the emails returned as undeliverable. XXXX XXXX informed me that their assigned email account can not receive the completed application with attachments. All completed applications must be submitted to the designated email XXXX and or supervisor, if involved. In addition, they can only call me every 8 days. Henceforth, it would be another letter, email and follow-up call disclosing they never received the emails, time expired, therefore they must initiate another application. Not to mention this, I was sued by the XXXX and XXXX XXXX on behalf of the HOA for unpaid dues of {$1400.00} and the HOA advocated a court ordered lien on my home and scheduled an auction on XX/XX/XXXX. They were clearly aware of my financial limitations, XXXX and pending Carrington Mortgage modification. As a result, the judgment was not in my favor. Thereupon, I must pay {$430.00} a month for 18 months for approximately {$7000.00} in attorney fees. That being the case, Carrington Mortgage became aware of the lien during a follow-up call. Moreover, to prevent Carrington Mortgage from taking action on the lien, on XX/XX/XXXX, XXXX XXXX, XXXX from XXXX and XXXX XXXX, emailed XXXX XXXX stating the lien had legally been cancelled. The signed court order was forthcoming. In XXXX XXXX follow-up email, the same day, she stated there is a superior lien on my Title Report. Subsequently, on XX/XX/XXXX, upon receiving signed Court Order, I emailed a copy of the XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, to XXXX XXXX and XXXX. In addition, I submitted supporting documents of my current XXXX and the difficulties I was experiencing being marginalized, undervalued and underestimated by inferior treatment. Unabatedly, I expressed that frustration during their recorded follow-up calls. Nevertheless, Carrington Mortgage notified by mail a Cancellation Notification for Loan Modification for an unpaid lien and/or judgements dated XX/XX/XXXX, and they will proceed with Foreclosure. On XX/XX/XXXX, XXXX XXXX, supervisor in a follow-up call, question me about the pending mortgage and she had not received my application and supporting documents. Accordingly, I asked did she received my email dated XX/XX/XXXX? Moreover, the attachments are a letter of cause, notifications to HUD, and the Court Ordered " Cancellation of Foreclosure ''. In either event, this had become a common occurrence going on for over a year. Immediately, my suspicion overwhelmed me. She had not reviewed the emails. During the conversation, we went back and forth. Papers shuffling in the background. Listening to her was like watching someone giving me the deer in the headlight look. Finally, she revealed she had not seen the email. Suddenly, she started apologizing, several times, then stated she would check her emails and continue to research with XXXX XXXX and apologized some more. We hung up. In my Letter of Cause dated XX/XX/XXXX, I announced that I prefer assistance from HUD before I proceed. XX/XX/XXXX, XXXX XXXX follow-up and emailed a new application for Mortgage Assistance because, the prior submission is out of date and the Release of Lien ; I emailed XXXX XXXX XXXX XXXX of cause, notification to HUD, and the Court Ordered " Cancellation of Foreclosure ''. On XX/XX/XXXX, XXXX XXXX called to follow-up on the documents I emailed to her supervisor. She never received it. She will do further research and do a follow-up in 8 days because of company rules. XX/XX/XXXX, XXXX XXXX emailed XXXX XXXX To add a loss mit flag the borrower needs to send a new application. XXXX XXXX emailed another application to resubmit for Mortgage Assistance now that they have the release title. To say nothing of, I attained an attorney to appeal my worsened VA Service-Connected Disabilities. In addition, a VA Request for Hardship Disability XXXX XXXX XXXX XXXX ) was submitted to expedite my pending destitution. In contrast, the XXXX Form XXXX Form is far more Superior then the Carrington Mortgage Financial Affidavit application . The form broadens the financial affidavit and details complete financial history for a Hardship XXXX. Carrington Mortgage financial affidavit is so profoundly inferior to the fact, they can never provide me with equal opportunity to participate, change, adapt or modify my mortgage in a federally assisted program regarding my protected XXXX.
08/09/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 33458
Web Older American, Servicemember
I have a VA backed mortgage. I filed for Chapter 7 Bankruptcy in XXXX of XXXX due to Social Security retirement benefit issues creating a deficit in my income due to complete stoppage of these benefits. Additionally, my home was subject to over {$100000.00} in repairs and this amount continues to mount due to fraud by the seller. This deficit created approximately a {$2000.00} reduction in income. I was, and still am, forced to rely on my VA XXXX benefits. I am rated 100 % permanently and totally XXXX through the XXXX My present compensation is {$4100.00} per month and scheduled for an increase in XXXX of this year due to increasing XXXX affecting both my mental health status as well as deterioation of physical XXXX. The XXXX natural disaster stopped all processing and litigation through the Social Security Administration and my case with them is still pending as of the date of filing this complaint. My original mortgage note was through XXXX XXXX Mortgage and serviced directly. My bankruptcy was completely XXXX in XXXX of XXXX, despite Covid issues. Upon re-emerging from bankuptcy with the past due mortgage obligations discharge, I subsequently filed for a mortgage modification in XXXX of XXXX. XXXX assigned servicing to XXXX Mortgage XXXX. I applied for XXXX loan modifications through XXXX XXXX of XXXX year, despite the in-place XXXX protections. All modification applications were ignored. I requested and did receive a XXXX era Forebearance of approximately 10 months while I awaited a response to my XXXX filing with the XXXX. I received no replies nor notifications to my mortgage modification applications. The only notice I received from XXXX was to notify my mortgage was sold to XXXX XXXX and a transfer of servicing was assigned to XXXX Mortgage XXXX, XXXX " XXXX XXXX XXXX. I applied for a temporary forebearance through XXXX, notified them I had a pending modification application in process and requested a review. Not a single contact within XXXX XXXX XXXX acknowleged and each and every phone call and email requesting status was addressed by separate individuals who claimed no knowledge of the pending status of my modification application. In late XXXX of XXXX, I was instructed to file yet another loan modification request. I completed the application and submitted via email. XXXX XXXX XXXX me numerous emails stating that my forebearance was ending but no notifications acknowledging my modification request. In early XXXX, Carrington XXXX XXXX me a notice that my forebearance was expiring and offered me duplicate offers of a modification. At the same time, and without notification, Carrington MS apparently declared me in default and forwarded my file for foreclosure to an aggressive mortgage foreclosure mill law firm, XXXX, et al. ( NOT VA mortgage certified ). I did not know about a foreclosure suit until I was served a summons and complaint from the XXXX firm. I was never offered any resolution nor offers to resolve my mortgage delinquincy, despite the VA loan technicians offering several options. Carrington XXXX XXXX while I was in an active mortgage modification application review, referred my file for immediate and aggressive foreclosure proceedings before exploring foreclosure alternative options. I was forced to hire legal counsel to assist me. To date, my legal fees are over {$10000.00}. Again, after my counsel, The XXXX XXXX XXXX, sent a XXXX application for a modification, Carrington XXXX XXXX to aggressively pursue foreclosure. The XXXX law firm has denied and refused any cooperation, made requests for impossible documentation production requests, refused to produce assignment documentation, produced interrogatories which are impossible to respond to and finally, as of XX/XX/XXXX, made a request for a short XXXX hour foreclosure default trial ( despite another modification application pending ) due to lack of my ability to justify a reasonable defense to foreclosure. I contacted the VA Mortgage XXXX XXXX and was assigned a technician, XXXX XXXX. XXXX XXXX has reviewed my applications for mortgage modifications and declared that, under VA guidelines, there is absolutely no reason nor justification why XXXX would deny a reasonable modification. Yet and still, Carrington XXXX XXXX to fail to legally notify individuals of eminent foreclosure, fails to offer XXXX XXXX relief options, fails to recognize numerous loan modification applications and proceeds to automatically dual track ( illegal ) foreclosures without notification by the home owners. I am not the only individual filing this type of complaint. I was relying on XXXX to approve my modification ( I had sufficient income to justify ). Yet and still, XXXX now refuses to entertain a modification nor any other option ( other than foreclosure ) ; claiming my income is insufficient to justify such modification under VA criteria. The VA loan technician does not understand why Carrington XXXX XXXX to cooperate as my income/debt ratio fully justifies a modification or alternatives to foreclosure. Carrington XXXX XXXX XXXX wishes to take my home from me to obtain the approximately $ XXXX in equity to profit from my XXXX financial issues. I believe this maneuver and manipulation violates Carrington XXXX XXXX agreement to overcome the fraud and penalties the CFPB sanctioned them with and continue to cheat XXXX homeowners out of both our equity and homes. I request immediate intervention as dual tracking is illegal and XXXX XXXX XXXX to continue to work towards a viable solution. I have a full banker '' XXXX box of documents to substantiate my position and XXXX XXXX XXXX failure to cooperate with me in a viable solution. I continue to accrue legal fees and my stress is through the roof. I have a 100 % VA XXXX rating for XXXX alone. One can not fathom the increase in stres and nightmares I am experiencing presently. I can not understand why Carrington XXXX XXXX so flippant in their practices and refeses to work through a simple modification when they agreed to a settlement with the XXXX to resolve their fraudulent and deceptive practices. I will glady provide substantiating documentation, however, your website and my patience and abilities will not allow for uploading this volumous amount of files. Please help me. I will be homeless and unable to afford housing if this foreclosure proceeding is allowed to progress unchecked.
11/10/2023 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 707XX
Web
XXXX XXXX, Agent Of XXXX XXXX, Louisiana CARRINGTON MORTGAGE SERVICES ( Servicer ) XXXX California XXXX XXXX XXXX XXXX ( Trustee ) Delaware Subject : Request for Repayment and Notification of XXXX XXXX XXXX XXXX XXXX Debt Collector XXXX XXXX XXXX XXXX NOTICE ***notice to agent is notice to principal notice to principal is notice to XXXX I XXXX XXXX, a living man of the age of majority do here by affirm the following to be the entire and whole truth, to the best of my description here at hand, So help me XXXX. Notice is hereby given that failure or refusal to contest this AFFIDAVIT OF TRUTH & FACT within twenty ( 20 ) days on a point-for-point basis shall be construed as constructive silence and concealment of incriminating evidence and shall create the legal presumption or conclusion that the authorities stated by CARRINGTON is operating under fraudulent contract. They are conspiring with public officials to cause harm on a mass scale to grossly benefit, the meaning of the criminal charge labeled as RICO. The conspiracy is but not limited to passing counterfeit notes such as re-created COPIES to the Judge who has allowed the counterfeiting in the court on a mass scale, this fraud to the homeowners is designed to rob them of their property ( which goes to the lawyers ), and create new Notes from the next victims in order to securitize it and make billions and ultimately they get to rob the the XXXX XXXX XXXX Trust, and tell the homeowners that they are getting a loan in reality the companys like CARRINGTON dont loan any of their own credit, they loan the consumer ( homeowner ) their own credit from above mentioned Trust from the Treasury discount window. These pretender lenders, never put any skin in the game. Then they redline the families stick them with fees and late charges, and they never pay the interest off the escrow, they ALWAYS have more than one you never see the others, the APPLICATION is the instrument on all financing type purchases, with your signature and your SS # or EIN. The Note or Application creates the money when it sent to the treasury 12 USC 411, 412. Your house is paid for they go on to make hundreds of millions of dollars of a average {$200000.00} house, while they try to foreclose on you to get another victim. The application is the collateral in consumer credit transactions, the house is just lagniappe or a little something extra, like we say it here in XXXX Louisiana. The truth is CARRINGTON is a third party debt collector and they do not have nor does the Trustee XXXX because they both have made confessions of not having the the note on the online open forums of the CFPB and the XXXX XXXX XXXX. The note is the one document that shows ownership of the mortgage, since they do not have it and they never did have note, Therefore I hereby demand that the full cost of the note plus interest, and associated fees be paid to me immediately. Also, I demand payment of all proceeds paid toward the mortgage since the beginning, including attorney fees {$10000.00} in XXXX, plus all fees, and PLUS INTEREST, also the ESCROW ACCOUNTS on ledger and off need to be paid plus INTEREST. As we add on, there was a promissory note that was signed UNDER DURESS for the the loan modification in XXXX, creating NEW MONEY which it says right on the front of that note page. This Further evidences the CARRINGTON fraud. Also when recreating such forgeries of financial instruments, CARRINGTON will add endorsement stamps and delete endorsement stamps at will, completely ignoring the FACT that on the signature page the words, NA-VARIETUR ( which means can not change ) are plainly stated on the page that they do in deed change. The endorsements mean the mortgage was paid for how many time now? And Since I was made an accommodation party with out my knowledge or me giving prior written consent ( IDENTITY THEFT ), I demand the securitization, process plus interest. The XXXX XXXX will assist is in that endeavor. Thats leads us to the obvious Hobbs Act violations, and Under title 18 of the UNITED STATES CODE, Depravation of Rights Under Color of Law, real Criminal jail time can be warranted. Not to mention the violations of THE FEDERAL RESERVE ACT sections 29 and 16, breech of Fiduciary Duty, this fine has 4 tiers starting at {$5000.00} per day, CARRINGTON has passed that a long time ago, and this has been going on since XXXX. This Mortgage is Nullified, Therefore THIS IS THE FORMAL NOTICE either produce the original wet ink signature Note or to claim and recoup all proceed previously spoken. This is your ORDER to remove the negative marks from all credit files such as, but not limited to, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CHECKS, and any and all others. I have had your illegal company CARRINGTON MORTGAGE SERVERS who is just a 3rd party debit collector that I never contracted with, deceive me into believing that your company owned the mortgage, but come to find out CARRINGTON MORTGAGE IS A COMPLETE FRAUD. For the 3rd time REMOVE ALL NEGATIVE ITEMS FROM THE CREDIT REPORTS for the transmitting utility XXXX XXXX XXXX, if they make their way back again let it be know now that the fine then will be {>= $1,000,000} Paid in XXXX per UCC article 9. Because enough is truly enough, your not going to bully me and my family anymore, damage is done, the world is finding out, according to plan. Its time to pay back for the destruction caused. With this NOTICE You will have 2O days to cure, produce the ORIGINAL WET INK SIGNATURE Note that was signed on the closing day. Or the above stated recoupments. The statements made in this affidavit form 15 U.S.Code 1692e ( 4 ) 15 USC 1692e ( 4 ) 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. Also, the FEDERAL RECESSION LAW obtain to you, its on the court file and over a month old now, I SENT IT USPS confirmation see attachment. I ask you only reply with pertinent laws to back up any rebuttals. I would like to upload my POA with Certificates, like the dually Authenticated Birth Certificate, Apostille Certificate of live Birth, 2 DBAs and Affidavit of Beneficial Ownership. Sincerely, By : XXXX XXXX Agent UCC 1-308 Done in Good Faith
05/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • WI
  • 54703
Web
This complaint was originally sent to XXXX XXXX XXXX XXXX XXXX, they replied : ( XXXX XXXX acts as the trustee for the Trust but does not service or have the authority to service the Loan. The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to modify or foreclose on or responding to Consumers concerns related to, the Loan. The Master Servicer has advised that any questions concerning such servicing practices related to the Property be directed to XXXX XXXX, SVP-Treasurer, XXXX Mortgage XXXX XXXX XXXX ) I sent an email to XXXX XXXX and she referred me to another person who I was unable to reach and did not contact me regarding this complaint. So I will forward this complaint to XXXX XXXX herself to explain how this could happen? We have been fighting a foreclosure since XXXX. Just to clarify, we have not been in our house not making payments. We have made many payments. Some payments were misplaced or not recorded by servicers. Some errors occurred with a change in servicer -check went to the wrong place. Several checks were returned without explanation. In effort to keep this letter shorter, I am addressing some key points of the past XXXX years. The only time we could freely make payments was after being forced to file bankruptcy to save our home, this is our only debt, we have no loans, credit cards or unsecured debt. We have had XXXX loan servicers in XXXX yrs. Some of these servicers are no longer in business. We have had constant confusion due to the changes in servicers. This includes lost payments, conflicting information, lies told by servicers, constant denials of loan modifications. From guidelines I have read regarding mortgage banking guidelines in place, this is a horrible case of unethical, fraudulent and/or illegal practice. We have a paper trail of proof of this activity. Our current mortgage servicer is Carrington Mortgage Servicing LLC Loan # XXXX We have had sheriff sales scheduled, even when our loan modification was in process or complete but they did not stop the upcoming sale or lied and said this would stop it but it did not. We were denied several loan modifications where they claimed items were missing even if I had proof they were sent. On XXXX HUD intervened and voided one sale from being confirmed due to Dual tracking as we had a completed modification packet. We have had many errors in payments due to a constant change in servicers. We have so many Interest charges and penalties that the amount owed more than the value of our house at this time After filing XXXX XXXX bankruptcy since XXXX servicing unable to trust or help us to work out a solution. The most recent errors by in payments were addressed during bankruptcy in XXXX. The attorneys for XXXX XXXX XXXX ( XXXX ) admitted there were errors in recording payments on our Loan. We had forced lender placed insurance despite the fact we had our own insurance. We had a fire in XXXX lost our wood business shop and tools among many other items. We had all of the paperwork complete and it was submitted to XXXX with no response. The insurance adjuster came to our home to inspect damage after fire and reported this as a total loss and XXXX would be compensated. We have received no compensation or explanation why they just ignored our claim. XXXX and their attorneys XXXX XXXX XXXX XXXX XXXX XXXX ) refuse to discuss this issue or compensate us for the loss. In frustration we sold the home to get free of XXXX XXXX XXXX XXXX XXXX XXXX & Carrington Mortgage service in XXXX We had all paperwork completed on XX/XX/XXXX with buyer. Closing was set for XXXX but then moved to XX/XX/XXXX due to a death in the mortgagers family at the bank. On XX/XX/XXXX, we received a copy of a " Notice of Confirmation of Sheriff Sale of XXXX in our mailbox. The Attorney for XXXX XXXXXXXX XXXX confirmed a previous sheriff sale that we did not know took place. We were deceived by XXXX back in XXXX XXXX. We had completed a request for loan modification. XXXX told us it was a complete packet in XX/XX/XXXX and it was being reviewed in underwriting. We were told by XXXX this modification would stop the sale. Now in XXXX of XXXX -we are ready to close on our sale of our home. XXXX is aware of the home sale and providing documents for our upcoming closing date. We had just had a phone call with the Title Company, myself, and XXXX when they offered help with Covid relief available if we did not want to sell the home, I declined. XXXX did not inform us of a problem with the sale/closing. During this same time period, they are confirming a sheriff sale of XXXX ( XXXX yrs ago ). This is the sale that said was canceled due to complete modification request packet. I have tried to find a record of sheriff sale on XXXX XXXX but can not find one. XXXX Is listed as high bidder and buyer and the foreclosing lender at this sale. Our notification of confirmation of sale ( sent XXXX days before hearing ) arrived after the hearing was finished and we could not attend. WI Stat 846.165 states a 5-day notice. Attorney XXXX signed an affidavit that it was mailed timely but records of United States Postal Service conflict with Attorney XXXX affidavit. USPS recorded a mailing date of XX/XX/XXXX at XXXX pm and arrived at our mailbox on XX/XX/XXXX an hour after the hearing was finished and we lost our home. This was a certified letter incorrectly mailed by sender with signature card still attached. If the law of WI Stat 846.165 had been followed, we could have paid our home loan off in full before the hearing. If the servicer had told the truth about the situation, we could have closed the loan on earlier date. This Servicer misled us, told us lies, withheld the truth and were deceptive to take our home we have lived in for XXXX years. They did not make any effort to assist us in working out our loan, pretended to be helpful in assisting our home sale then deceptively confirmed a sale without our knowledge. Carrington Mortgage took away our chance to pay off the loan and sell the property along with destroying our credit, they did not pay the fire damage with insurance compensation which cost us 3 years of income. They have taken everything from us.
10/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43551
Web Servicemember
Good afternoon. This information is in rega rds to Carrington Mortgages Services LLC. This has caused significant issues to my current Credit Score because they stated as long as I worked on a modification and provided needed information, my credit score would not be negatively affected. It definitely has been negatively impacted. First, I filed Chapter XXXX in XX/XX/XXXX and this was a 5 year payment plan thus my Chapter XXXX ended in XX/XX/XXXX. I had a very expensive Divorce. During this time frame, Carrington was sold my Mortgage. This Mortgage is also for a rental property I currently own on XXXX XXXX XXXX XXXX in XXXX, OH XXXX. This Mortgage was under my Chapter XXXX. If I would of known what was going to happen, I would of paid it directly as I did my current Mortgage for a property I currently live in at XXXX XXXX XXXX located in the same city and state. Before XX/XX/XXXX, I started contacting Carrington Mortgage and also my Chapter XXXX trustee to make sure all was handled correctly. Meanwhile, Carrington stated I could not pay them directly or get statements until the trustee confirmed that I could. This went on into XXXX. So finally, I asked Carrington to get me a copy of my mortgage statement and to let me know what was due. They then stated I had to fax them a letter stating I wanted all information to come to me moving forward even though my name is on the loan. By the time I was able to receive a Mortgage Statement, they had already filed a Foreclosure with lawyers on my home. Again, example of not giving me due notice or time to even respond legally. I called the lawyer and they admitted this was a mistake but first sign of very bad communication. Meanwhile, I had called numerous times working with them on getting my statement to find out what I owed in XX/XX/XXXX through XX/XX/XXXX. Then they brought up that I could modify the loan and put all I owed back into the load without negatively affecting my credit. Multiple people of Carrington relayed this. So, I consistently had communication issues with them as I moved with purpose to get all information they wanted. I thought this was a great move so I could use this cash to update both of my properties that had been put on hold due to my very large Chapter XXXX payments I made every month. So I am being told that me working on my modification will not affect my credit. Point was to put all I owed back into load which was {$9800.00} at the time due to Chapter XXXX Trustee delays. I had to get their Escalation Department involved since their communication was so poor in relaying what they wanted. This took a few months between XXXX and XXXX. Also, realize they received every modification update I submitted via their on-line portal. By XX/XX/XXXX I received notification about modifying my load as an option. I called Carrington and by XX/XX/XXXX I had submitted my modification paperwork an have letters on that. Then the lack of communication started where they are stating they need documents I had already submitted. This went on until I got the Escalation Department involved. Major delays because they could not communicate that I needed to sign my taxes that were prepared by a professional accountant. They also asked for information not on the long list of documents they needed over time. Thus it was not until XX/XX/XXXX that I got the final paperwork. Then a mistake was made on it and final modification paperwork was not signed by me until XX/XX/XXXX. They then sent me an update in the next 2 days then I sent back next day. Meanwhile, I had discovered they had me late 90 days late on my mortgage payment based on the letter I wrote on XX/XX/XXXX. I am like what is going on here! My credit report now states I was over 90 days late for 4 payments. Not true and not what we agreed too. I am then told to get a hold of their Research Department that handles credit disputes. I said it was very simple, I had been told the whole time my payments were on hold because they had proof I was filing a modification. I filed three letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX) that I had to fax. I found out they negatively affected my credit by XX/XX/XXXX and had me down for 90 days late. The first statement I was ever able to receive was dated XX/XX/XXXX and I did not receive that until about mid-XXXX. I could not even make payments or get a statement to make a payment until I received their statement to make arrangement for payments so how could I be 90 days late by XXXX? No one from this Research department will speak to me and all they have done is send me form letters with no support on why they currently now have my mortgage 4 months late on my credit report. I now can not get a equity line of credit to do needed updates on both of my homes. My loan is current and continues to be paid on time every month as of XX/XX/XXXX when the first payment was due based on the modification. Thus I am contacting you because a financial advisor of XXXX XXXX recommended I do so. I filed a third letter with Carrington Mortgage with their Research Department. They sent me an update that they were looking into this once again and they should have a response to me by XX/XX/XXXX. I also specifically stated what dates I called and for them to also review these recordings since I was told this modification process would not negatively affect my credit many times by their company or I would of made a payment accordingly. This was my clear understanding. They even had record I had over {$14000.00} in cash in my checking account. Why would I ruin my credit after coming out of Chapter XXXX? That makes no sense. Also, how can I be 90 days late when I could not even received a statement until XXXX because of waiting on the Chapter XXXX Trustee? I do not think Carrington is has handled this situation legally or has done what they communicated they would do and has also not used common sense. With that said, I am very adamant on what I was told. They need to fix what is communicated. They also never gave me notice they would adversely affect my credit but did. In the end, I would like my credit fixed to no payments late. That is my goal and what is fair and with just. Thank you much for your time and energy.
12/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • UT
  • 84045
Web
This is in addition to Complaint XXXX - I would like to add this to that complaint data. This morning at XXXX XXXX I was sent a letter of credit denial, with the reasons marked 1 ) income insufficient for the amount of credit requested and 2 ) excessive obligations in relation to income. This is shocking to me that I'd be receiving this with these two reasons marked on a letter of credit denial. From my first interaction with loan officer XXXX XXXX, we discussed income and obligations, which I was reassured over and over that we had no issues and were going to be able to move forward. XXXX sent over a list of obligations, including which obligations would be paid off with the loan application. I provided proof of income as directed early on. At this point of the application process, should the debt and income ratio not work, there would be no need to cause the consumer ( Me ) more financial strain by asking the consumer ( Me ) to pay for an appraisal of the property. Again this was in the previous complaint, the figure was {$220.00} for the appraisal, and yet XXXX advised me to add that debt to a credit card that we would pay off and the appraisal charge was actually {$550.00}. By leading me down the application path further, even though having the information that was used from a credit report for denial now was available up front - I wasted not only time, but money by trusting Carrington Mortgage. I was reassured multiple times, that everything looks good. I'd like to note, if Carrington Mortgage is using an XXXX, this would eliminate reassurances over and over that everything looks good ( which was stated in emails and phone calls ) and I would have been made aware that I would be denied before committing further. By representing the loan application the way XXXX XXXX and Carrington Mortgage did and omit the fact that my debt to income ratio was to high, I was misled over and over and the loan application process took well over 30 days which is a violation of ECOA. The information that was used for a letter of denial was information that was received up front, and if my denial is not a response to my initial complaint about this which was filed on XX/XX/XXXX, this information would have been disclosed in a letter of credit denial up front and within 30 days. This is not only an unfair ( as it did cause harm, was unavoidable to move forward with the loan application, and I did not receive any countervailing benefit ). This loan application and process contained multiple deceptive act when I was made reassurances over and over that everything was good, and we were just in processing, that I was essentially approved for the loan even when XXXX XXXX sent a list of debt obligations to me that would be paid, and how the loan would be broken down. There are also abusive acts knowing I was looking to pay off obligations and eliminate high APR debt, the loan officer advised I get into more debt by paying for an appraisal with a credit card ( which if they are truly denying me for income/debt, would have never been orders and not denying me as a result of a complaint against their company ). Additionally, should there be any information up front discovered on the application or through the use of an agency report about an applicant that would lead to a denial that is not dependent on the property, this would prevent potenital abusive acts. Carrington Mortgage may be one of the most dishonest companies I've dealt with, this is not a surprise that the CFPB has found them worthy of fines recently. I'd encourage the CFPB to review the lending practices of Carrington Mortgage, not just the servicing practices. There is clearly a lack of policies, procedures and training in place for employees of this organization. I emailed XXXX XXXX directly before filing this complaint and that email is below. Email sent to XXXX XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX, I am receiving this letter of denial this morning. The reasons stated a re 1 ) income insufficient for the amount of credit requested and 2 ) excessive obligations in relation to income. I had filed a complaint with the CFPB last week and will be adding this information, as reference in follow up. This level of unprofessionalism is unacceptable. As you are aware, during the application phase, we discussed the 1 ) reason income and credit obligations in depth. There were no issues with income or obligations, thus we moved forward with an appraisal which I then paid for. If there were issues, these initial discussions are where you'd stop the application and not cost the consumer ( me ) more money ( harm in the eyes of the CFPB ). Additionally, if this income being insufficient was the true reason, that would never have pushed an application through especially if you're using a XXXX. As for the loan amount, as we had previously discussed, we would review the loan amount and see what options there were based on the value of the home, as the income was not an issue from the beginning. For the 2 ) reason - The point of a 2nd mortgage was to eliminate debt obligations and thus the second point wouldn't be relevant to a denial unless there were other reasons beyond income as there is nothing mentioned about the collateral being insufficient. Again, if the obligations were excessive, this information would have been used up front and not cost the consumer ( me ) financial harm ( in the eyes of the CFPB ). Also this denial letter is out of compliance as it does not select the box for using a credit agency to obtain information used in the denial. Multiple issues throughout this process, and of course to finish this process. Lack of communication, even when I made phone call attempts I was ignored. Not just by you, but others who I left messages with. This is a complete lack of integrity by you, and Carrington Mortgage which clearly is a pattern as the CFPB did just fine your company in XXXX. I will note for your records, your company has also violated UDAAP in multiple ways through this process in addition to a call in XXXX on my first mortgage with a harassing collection call when I was not past due. Clearly a pattern of deceptive, abusive acts and practices.
11/07/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • WA
  • 98312
Web Servicemember
XX/XX/XXXX CARRINGTON MORTGAGE XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, XXXXXXXX XXXX XXXX To whom it may concern, I am writing this letter regarding loan # XXXX and my experience with Carrington Mortgage. I have been trying to work with Carrington Mortgage for 3 years to get a loan modification to keep my house. The process has been more than difficult but I have gotten help from XXXX XXXX XXXX and my representative there, XXXX XXXX. With her help I was able to get a HAF grant for {$60000.00}. At the time I was given this grant it would have very nearly paid off all the past due payments. I was told everything was good to go and that I had been approved for a modification and I would have a 3 month trial and I would be called within a couple of weeks with the final details for payments etc. That would have been XXXX of XXXX. Despite the funds ready to go, and all paperwork in order Carrington stopped responding to email inquiries, stopped returning phone calls, and then I was told everything was outdated and needed to be submitted again. I complied immediately and the application was faxed XX/XX/XXXX and confirmed received. On XX/XX/XXXX My ex husbands financials were requested and those were sent XX/XX/XXXX. Mine and my ex husbands financials and modification applications were requested XXXX more times between XXXX and XX/XX/XXXX. My financials alone have been requested an additional 3 times from XX/XX/XXXX to present. I complied and sent everything in quickly. XXXX of XXXX I was told I was denied for the modification, but the {$60000.00} HAF grant was not applied to the past due payments, so we have had to contact and escalate this issue with several different Carrington representatives. Again I was told to send in more repeated documents because mine had expired, I did comply yet again, however the letter I received from Carrington in the mail said that the papers were not good after 3 months, the last papers I had sent in had been sent just 2 months before. Carrington also said that the HAF funds needed to be released to them and then they would calculate the new terms and contact me. The funds were released to Carrington on XX/XX/XXXX and since then I have been given the run around by several Carrington representatives. Here is a glimpse of what has gone on since Carrington has received those funds- XXXX I received a phone call from XXXX saying XXXX had to submit my entire application packet again. She also advised me that I owed {$90000.00} after the grant and wanted to know how I will pay that. XX/XX/XXXX ( VIA XXXX XXXX my HUD representative ) I spoke to XXXX at Carrington today. He stated there are notes as of yesterday that they are processing the {$60000.00} grant and the file will be reviewed in Loss Mitigation. He stated there are notes regarding need for a new Mortgage Assistance Application ( MAA ) but after I explained the situation of submitting multiple MAA packets for a year, he will escalate this. There is a new relationship manager, Wheny ( sp? ). He stated to expect an email from her by Friday, XXXX with an update. XX/XX/XXXX XXXX emailed XXXX and myself telling us both that I needed to submit a full application packet again and to do it via the portal. XX/XX/XXXX ( via XXXX XXXX my HUD representative ) I have escalated this file many times over the last year, as we have submitted the Mortgage Assistance package many times. We understand that the initial hold up was to establish successor-in-interest but this file has been approved for the WA HAF grant with loan modification since XXXX XXXX. XXXX XXXX has submitted documents every time Carrington has asked for updates or clarification. The last set of documents submitted in XXXX resulted in a denial for loss mitigation but did not take into account the WA HAF grant of {$60000.00}, which resulted in yet another escalation. Carrington advised WA HAF that they would calculate the modification numbers after the {$60000.00} grant was issued, which occurred on XX/XX/XXXX. We are now wondering why Carrington is again asking for a new Mortgage Assistance application at this time. XX/XX/XXXX A follow up email was sent to XXXX by XXXX XXXX asking for an update, no response noted. XXXX I attempted for the 5th time to submit the papers requested via the portal and the portal kept saying error and then portal locked I emailed wheny explaining this and letting her know I sent them via the email. No response from XXXX. XXXX ( via XXXX XXXX HUD representative ) I spoke to XXXX at Carrington MS today. He stated XXXX is on vacation this week and will be back on Monday. He is sending an email to her to review your file, as they did note the docs uploaded as of XX/XX/XXXX. However, the document reviewer is asking for XXXX Mortgage Assistance Application and supporting documents again. I stated that should not be the case, as you had already passed the Successor-in-interest requirements and his information is no longer needed. He also confirmed they received the HAF grant funds on XX/XX/XXXX in the amount of {$60000.00}. XXXX I emailed XXXX asking for an update as it had been XXXX weeks since we had heard anything. No response. XXXX ( via XXXX XXXX HUD representative ) I have escalated this file to XXXX XXXX in the escalations team and XXXX XXXX in the HAF department at Carrington . XX/XX/XXXX XXXX Carrington representative responded and said he was not sure why no one was getting back to us, possibly due to a modification being unlikely and no one wanting to tell us he also advised us to file a complaint with Carrington. I can provide exact dates for all emails and phone calls to Carrington that myself or XXXX has made on my behalf. We are getting the run around and the payments are still wracking up which will eventually make it impossible for me to retain my home even with the grant. Please also be aware that the WAF grant funds are only to be used if the modification is approved. Currently Carrington has taken the grant funds and not provided a modification which is illegal. I am making a formal complaint with this letter and I am requesting this issue to be looked into and handled appropriately in a timely fashion. Thank you, XXXX XXXX
02/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 76262
Web
To Whom It May Concern : Hello. Our issue and complaint is with Carrington Mortgage Company. My husband and I started having issues with our house payment going through starting in XX/XX/XXXX. My husband asked for the payment of XX/XX/XXXX to be drafted from our XXXX banking account on XX/XX/XXXX instead of XX/XX/XXXX. He did this over the phone with Carrington and XXXX as well. He paid {$30.00} to get the date changed to XX/XX/XXXX. The reason he did this was because we were going to refinance our home with another mortgage company and this was the advice that the mortgage lender gave us since they would be taking over our loan. XX/XX/XXXX came, our account was on auto draft, so we thought everything was taken care of. However, I noticed from our XXXX account that the amount had not been taken out. So my husband and I logged into Carrington immediately on XX/XX/XXXX to see what was going on. We went in and manually paid the amount that was on our account and we were also very confused because the computer was telling us that our next payment was at a later date, but that we still had a current balance to pay off. We know there was some type of technical error with the Carrington Mortgage system. We only have one bank account that we use and out of the almost 3 years we have owned our home, we have never missed a payment with Carrington. Our account number and routing number has never changed. During this time, we had also decided not to go with refinancing our home, because we decided to buy a different home instead. In the process of refinancing or buying a home, of course you want to have a great standing with your current lender. There is absolutely no reason for us to have paid our bill late. A few days later, I noticed that the amount was not pulled out. So we logged into our account yet again to try to see what was going on. When we got in to check our status, we were shocked that our payment hadn't gone through. My husband made the payment of XXXX again on XX/XX/XXXX. This payment finally went through. My husband called to try to figure out what had happened. Carrington did remove the late fee when my husband called and they told us to make a report and fax their department that takes care of these issues explaining what had happened. After my husband had called Carrington to try to figure what was going on, the person that we worked with for buying our new home told us there was a huge drop in our credit ( 70 points ) because Carrington had reported us as making the payment late, even though we have the stubs that showed payment went through and made multiple attempts to pay it. He said the same thing. ( Write a statement of what happened to Carrington as their reporting had really hurt us. ) At this time, I called Carrington to try to figure out what was going on and why they reported us. The representative told me what the issue was and why the payment didn't go through was because there was an extra zero added to our bank account and that the account couldn't be found. Again, we have always had the same account from the beginning of our payments. Also, if this were the case, why would a payment have been accepted in the first place? Why would we have receipt of the payment and why wouldn't Carrington try to resolve this with us before just reporting us as if we hadn't been making attempts to pay our monthly bill. I have to also add that at this time, Carrington 's system was still not working correctly because our XX/XX/XXXX payment didn't come out automatically as it should have. This time I was well aware to look for this since it happened to us in XX/XX/XXXX. While I was on the phone, I verified the number on my checking account to the representative. Let her know that even my autodraft XX/XX/XXXX payment did not go through as it should have and went into the system to manually pay. When looking at the account number and verifying that they numbers were correct in their system, I didn't change a thing. I didn't change one zero, because it was already inputted into the system correctly. I made a manual payment of XXXX on XX/XX/XXXX and this time it went through and I could see that by looking at my XXXX XXXX account as well. Finally, with this Carrington agents advice, I drafted up a letter stating what had happened. My husband faxed it over. We waited to receive information for how Carrington was going to help us resolve this issue. We received information back from Carrington that it was a user error and that they basically were not going to do anything about the issue. We have been faithful in our payments, have been very active in trying to resolve the issue, and feel that Carrington is being extremely unfair. They know we are trying to buy another home and that we have been consistent in paying them for the almost 3 years that we have been with them. After receiving the letter that Carrington w ould do nothing about making a report about this situation, my father and I called into Carrington yesterday on XX/XX/XXXX to try to talk to a person that would rectify the situation. We are not being heard, we are being told this is an issue on our behalf when we clearly know that this is Carrington 's issue, as we have done everything we possibly can to resolve this issue and have spent countless hours on the phone, writing reports, and working to have someone listen to us. The representative that we worked with yesterday told us there is absolutely nothing anyone can do to help us in this situation and she told us there is no way she or a manager is able to change us being reported for this and having it affect our credit. This is why we are now making a complaint to you, as we have tried to work with this company without any resolve or resolution. We are people, yet we are not looked at as people by Carrington and they are hurting us greatly in not being able to buy another home. They know we have been faithfully paying our bill and have the information of all the attempts, yet do not want to help us in repairing the credit they ruined by reporting something that was a system error on their part.
08/01/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NE
  • XXXXX
Web Servicemember
Reply to XXXX 's " Interim Response '' regarding CFPB XXXX complaint RE : XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) To whom it may concern. On XX/XX/XXXX, I filed another complaint against Carrington Mortgage Servicer ( CMS ). CMS then replied to an Interim Response on XX/XX/XXXX. This is my response to their interim response submitted XX/XX/XXXX. * Regarding similar issues similar issues are raised because : XXXX ) CMS Never resolves nothing. Instead, CMS responds to CFPB complaints with long drawn-out mumbo jumbo EXCUSES inundated with lies and puffed-up jargon made to seem legal. Then you presume where you left off prior to EACH complaint with more aggressive retaliation Predatory Loan Tactics which CMS is extremely masterful at practicing. XXXX ) Duplicate Concernssee above XXXX ) Mortgage Assistance your mortgage assistance is simply a joke when it comes to ME and/or my daughter ( XXXX XXXX XXXX XXXX XXXX For some reason you targeted my daughter ( XXXX XXXX XXXX ) and her VA Loan until the day she finally committed XXXX due to her XXXX and YOUR HARASSMENT that both XXXX XXXX XXXXXXXX and CMS KNEW she suffered from and took advantage of her XXXX condition as you are with ME. Nebraska Homeowners Assistance Fund ( NHAF ) has APPROVED the Mortgage Assistance you have refused to help me with in order to remain in the home my daughter gave her life for. NHAF will solve ALL issues regarding my financial mortgage payment arrears that CMS and XXXX XXXX XXXXXXXX have so keenly CREATED with XXXX. fees, supplemental fees, ETC ETC ETC!!! However, CMS is REFUSING to process my APPROVED NHAF application! XXXX and XXXX XXXX XXXXXXXX both LIED to me regarding all Mortgage Assistance options. i.e., Loan Modification, to gain access to all my private financial data, knowing all along that you were going to deny my Mortgage Assistance applications from CMSXXXX XXXX XXXX XXXX XXXX ). I was told that CMS approves Loan Modifications for ALL their customers once a year and I WOULD be approved. CMS stated reason for non-approval of my Loan Modification was because 85 % of my net surplus income was not enough to cure delinquency ( A DELINQUENCY CMSXXXX CREATED! WITH XXXX FEES ETC REPEATEDLY ADDED TO MY DAUGHTERS VA LOAN! ) which would be brought to balance if you would approve my NHAF APPROVED application. XXXX did not approve my Loan Modification because you said my net surplus income is not sufficient to pay projected modified mortgage payment and other obligations However, my NHAF APPROVED Application would solve that issue as well and that is what the Homeowners Fund WAS CREATED FOR! Also, how do you figure the INFLATED XXXX mortgage payment you are asking for if any less than the projected modified mortgage payment?!? CMS denied to extend a Veteran Affairs Modification because CMS would have to exceed the limits of the changes you could make to the terms of my daughters VA Loan to reach payment of 31 % or less of my gross monthly income. HOWEVER, my NHAF APPROVED Application would solve this issue. CMS stated, IF I qualify for NHAF ( which I DO! ) for loss mitigation under investors guidelines, CMS will offer loss mitigation options for which I qualify for. This is exactly what I referred to as mumbo jumbo jargon intended to sound legal that CMSXXXX has mastered with their Predatory Loan Practices & Tactics . CMSs lates Predatory Loan Tactic is falsely inventing a Federal stipulation they are referring to as Bankruptcy Consent Form and/or Motion. What kind of mysterious Motion, well nobody seems to know except CMS which theyre REFUSING to let NHAF , and my bankruptcy attorneys know. CMS is not returning calls and/or emails from NHAF, NHAF attorney XXXX XXXX XXXX XXXX XXXX my bankruptcy attorney ( XXXX XXXX XXXX XXXX XXXX XXXX and myself. Ive literally spent HOURS trying to get answers regarding this Bankruptcy Consent Form/Motion from XXXX XXXX number ( s ) and customer service reps. Ive been lied to when attempting to speak to supervisors, etc. Currently the Bankruptcy Consent Form has turned into a mysterious Motion which again, nobody seems to know of. I want to mention here that HAF is a FEDERALLY run program and if there was an actual Bankruptcy Consent Form/Motion, the FEDERAL government would have sent is across the board and/or nation so that EVERYONE would be aware it even existed and what to do regarding this conjured up subject matter. CMS asked for a letter for approval from bankruptcy trustee/bankruptcy court. Is this the same as the Bankruptcy Consent Form/Motion? Is it different? CMS mentioned you sent a copy of the Mortgage Servicer Substantiation Letter to be sent to my bankruptcy attorney, HOWEVER, you did not send anything to them or anyone for that matter. What exactly is this Mortgage Servicer Substantiation Letter? Is it the Bankruptcy Consent Form, etc etc etc?!? XXXX ) The Mortgage Servicer Substantiation Letter, Bankruptcy Consent Form/Motion does not correspond to Federal Homeowners Fund laws, Federal Bankruptcy Laws, Nebraska Bankruptcy Laws, NHAF Laws! XXXX ) Your website does nothing as far as NHAF. XXXX ) How dare you tell me to go the very same website to apply for the help I already applied for knowing dam well you already denied me from and waste my time and deny me again just so you can charge all you misc. fees all over again! You will continue to use these Predatory Loan Tactics if you can get away with it and that is the whole purpose of all these similar and duplicate complaints. XXXX ) My credit ratings you made sure to ruin not only my own but my daughters as well by forcing us into bankruptcy with your misc. fees. XXXX ) Sending a dispute to CMS is like the police policing the police, its a joke and is some form of harassment just by you making mention of it! This concludes my reply to CMSs interim response to my above-mentioned complaint to CFPB. XXXX XXXX
05/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 22407
Web
XX/XX/XXXX Dear Consumer Finance Bureau I believe my lender Carrington Mortgage Services has violated federal guidelines and the State of Virginia lending laws and they are using tactics that I think may be predatory lending. I spoke to XXXX at XXXX XXXX, the local HUD-approved Housing Counselor Agency in XXXX. She advised me based on the actions of my lender Carrington Mortgage Services that I needed to involve my local politician HUD, The Consumer Financial Protection Consumer Bureau and BFI with assisting me in saving my home for my XXXX children and me from foreclosure. I believe the lender is using tactics that benefit their best interest by using a process that did not allow me the time needed to sign the modification documents through the trial payment process program. This process has been going on for 2 1/2 years when this could have been resolved with 30 to 45 days on the initial modification agreement in XX/XX/XXXX. I had a unique situation because I was going through a divorce and at the time my wife would not sign the mortgage modification documents to prevent our house from being foreclosed. I explain the situation from the beginning and I requested assistance from the State of Virginia Bureau of Financial Investigation ( BFI ) and the Honorable Senator XXXX XXXX. Our request was simple we needed extra days than the normal 7 days to return the modification documents because my wife was trying to make me lose our home in foreclosure. She was not willing to sign the modification documents so we obtain a court order that required her to sign all mortgage documents relating to the loan. We also provided this court order document to Carrington Mortgage Services. On two occasions the lender refused to work with me to allow more time to go through the court process to get the modification documents signed. Each time the lender told me I had to restart the loan modification process that took 3-6 months and increase my interest rate and my loan payment. On my second modification, we were able to get a court date that was on XX/XX/XXXX. We gave Carrington the court documents showing we could get the modification documents signed if they would not close out my loan until we went to court. Carrington closed out my loan on XX/XX/XXXX, and told me to restart the loan modification process again. I immediately sent a third mortgage assistance package at the beginning of XX/XX/XXXX documents. In XX/XX/XXXX Carrington contacted me and stated they would not approve the trial payment program until I submitted a divorce decree. I advised the lender that I was not divorced and we had not been to court. However, the lender refused to allow me to go through the trial process. I contacted XXXX at BFI and she contacted Carrington with my concerns that my lender misled me and was not acting in my best interest to help me save my home. The following day from when BFI contacted my lender I received a phone call from Carrington stating they would allow me to go through a trial payment program. However when I received the modification documents in XX/XX/XXXX my payment had increased for the third time : the 1st time my mortgage payment was {$1400.00}, the 2nd time my mortgage payment was {$1600.00}, and this time my mortgage payment was {$2000.00}. I was so frustrated that I put my house on the market to sell it. However, I could not sell it because my loan balance is {$270000.00} but with all the lender fees and foreclosure fees, my payoff was about {$310000.00}. The house appraised at {$320000.00} and no one is going to buy the house when its on the auction block for {$270000.00}. So on XX/XX/XXXX, I sent Carrington a loan assistance package asking they allow me to keep my house and to please give me an affordable payment. I had sent 90 % of the loan documents needed and Carrington closed my loan denying it on XX/XX/XXXX, stating I did not provide all the loan approval documents and it was not correctly signed. Therefore I submitted another mortgage assistance package and I sent 98 % of the documents because I was missing the fully ratified divorce decree. Im waiting for the Judges final signature from XX/XX/XXXX, because my ex-wife attorney claimed he forgot to send the divorce decree documents to the Judge to sign until XX/XX/XXXX. Carrington this time denied my loan stating I did not submit the loan assistance package within 37 days of the foreclosure date on XX/XX/XXXX. Please help me, I believe Carrington Mortgage Services tactics was predatory and it did not benefit me as their customer. My lenders actions have violated State and Federal guidelines. It makes no sense to have a process that takes 3 to 6 months, its a longer process that increases my interest rate, loan balance, loan fees and overall time ( in my case 2 1/2 years ) than giving me a few extra days because the circuit court was involved to require my ex-wife who has a severe XXXX XXXX to signing the loan modification documents. My ex-wife wanted to put our XXXX children and myself on the streets. I have a severe XXXX and Carrington actions have caused me XXXX, frustration, increased my XXXX XXXX XXXX, and increased my XXXX pain condition. I have not been able to sleep at night, I been having XXXX XXXX, as well as other health issues and my children have been concerned about losing our house. Carrington has also caused embarrassment by constantly putting my house in foreclosure in the newspaper. This should be illegal for Carrington to do this to a homeowner for over 2 years. Carrington has been fraudulent in responding to BFI regarding their actions and I am asking for a full investigation so this will not happen to other homeowners. I am asking that Carrington give me my original loan modification agreement in which my loan balance was being reduced to {$200000.00} and my monthly payment was {$1400.00}. Sincerely,
02/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • XXXXX
Web
On this reported date, XX/XX/XXXX received, XX/XX/XXXX, CARRINGTON MORTGAGE SE, now XXXX XXXX XXXX, inaccurately reported to the Credit Bureau, my loan or account status as : Loan modified NOT under a federal government plan. According to the credit bureau report ( attached file ), YOU'VE CHANGED MY LOAN MODIFICATION WITHOUT my consent!!! This move is illegal and I've filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), Attorney General, XXXX XXXX of The State of California where CARRINGTON MORTGAGE SE and XXXX XXXX XXXX headquarter 's are located. I've also filed a compalint with Attorney General, XXXX XXXX of The State of Kentucky where I live. Both CARRINGTON MORTGAGE SE and XXXX XXXX XXXX have FAILED to honor MY ORIGINAL loan modification agreement ( attached ) with XXXX, the orignal servicer. This credit report is proof that CARRINGTON MORTGAGE SE and XXXX XXXX XXXX have FAILED to honor mortgage servicing rules requiring the old servicer, CARRINGTON MORTGAGE SE to send the new servicer, XXXX XXXX XXXX any information showing the CURRENT STATUS of discussions with the borrower, ME regarding a loan modification, WHICH CARRINGTON MORTGAGE DID NOT DO -- I HAVE NOT SPOKEN TO CARRINGTON nor HAS CARRINGTON TRIED TO CALL ME!!!! and UNDER FEDERAL RULES, the new servicer, XXXX XXXX XXXX MUST also have policies and procedures in place ( WHICH OBVIOUSLY THEY DO NOT HAVE IN PLACE ) to ensure that it HONORS ( WHICH IT HASN'T ) EXISTING loan modification agreements ( attached ). Further violations : On XX/XX/XXXX, according to the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS ( attached & highlighted ) from the old servicer, CARRINGTON MORTGAGE which stated " NOTHING ELSE ABOUT YOUR MORTGAGE LOAN WILL CHANGE '', well obviously this ISN '' T TRUE according to the attached credit bureau reports WHICH STATES : " Loan modified NOT under a federal government plan '' AND " Foreclosure process started ''!!!! This NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS CONTAINS NO LOAN NUM BER FOR the new servicer XXXX XXXX XXXX. Secondly, I've received no monthly statements showing what my balance is and what I should pay monthly on my mortgage even though this same NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS which contains NO LOAN NUM BER, states " XXXX XXXX XXXX WILL START ACCEPTING PAYMENTS RECEIVED FROM YOU on XX/XX/XXXX. '' Since both you, CARRINGTON MORTGAGE SE and XXXX XXXX XXXX signed an XXXX ; you are both required to follow the guidelines within the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2. THE ABOVE IS AN INACCURATE ENTRY ON MY CREDIT REPORT per the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2 ; Specifically SECTION 12.2 Credit Bureau Reporting : that states, '' Servicers should report a " full file '' status report to the credit reporting agencies for each loan under HAMP in accordance with the Fair Credit Reporting Act as well as other applicable laws and credit bureau requirements as provided by the Consumer Data Industry Association ( CDIA ). " Full-file '' reporting means that the servicer must describe the exact status of each mortgage it is servicing as of the last business day of each month. '' First of all, Since XXXX XXXX XXXX acquired this loan from CARRINGTON MORTGAGE SE on XX/XX/XXXX and I received the notification in the mail of the transfer, I have not heard from XXXX XXXX XXXX. They have not mailed me my monthly statements showing what my balance is and what I should pay monthly on my mortgage even though the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS which contains NO LOAN NUM BER, states XXXX XXXX XXXX would start to receive payments from me on XX/XX/XXXX. There has been no introduction of a relationship manager to this date. If they did call me, they didn't leave a message. Please mail me my MONTHLY statements, showing what my balance is and what I should pay monthly on my mortgage. If you had consistently mailed me monthly statements, then I would know what to pay and you wouldn't need to make the following inaccuracies : PLEASE CORRECT ON MY CREDIT REPORT ASAP. SINCE YOU HAVE NOT FOLLOWED THROUGH ON THE FOLLOWING, THEN YOU'RE IN VIOLATION OF SECTION 9. Permanent Modification, OF THE Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2 ; Specifically SECTION 9.4 Re-default and Loss of Good Standing, Paragraph 4. MAINLY this section : " In the event a borrower defaults on the modified loan, the servicer must work with the borrower to cure the modified loan ( YOU HAVE NOT DONE THIS ). If this is not possible the servicer must-evaluate the borrower for any other loss mitigation alternatives, e.g., HAFA ( YOU HAVE NOT DONE THIS ), prior to commencing foreclosure proceedings ( YOU HAVE DONE THIS ). All of the above are VIOLATIONS of the MHA Handbook Version 5.2 SECTION 3 Protections Against Unnecessary Foreclosure ; SECTIONS 2.2 and 3.4 of Chapter II, respectively. Also, this is a VIOLATION of the MHA Handbook Version 5.2, Chapter IV. Home Affordable Foreclosure Alternatives Program ( HAFA ), Specifically SECTION 3 HAFA Consideration that state : '' Borrowers that meet the eligibility criteria for HAMP but who default on a permanent HAMP modification should first be considered for other loan modification or retention programs ( YOU HAVE NOT DONE THIS ) offered by the servicer prior to being evaluated for HAFA. Notwithstanding the foregoing, Consumer Financial Protection Bureau ( CFPB ) Regulations may require a servicer to consider a borrower for HAFA contemporaneously with considering the borrower for HAMP and other home retention options. '' How can this be when XXXX XXXX XXXX HAS NOT tried to work with me per the MHA Handbook Version 5.2 Guide?
04/24/2019 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • FL
  • 34472
Web Older American, Servicemember
My complaint is about getting a loan approval in the refinancing of my home and also getting a Closing Disclosure for the refinancing but then the loan got denied. The company is Carrington Mortgage Services and on XX/XX/XXXX, I received an e-mail from a XXXX XXXX. Her e-mail address is XXXX. In the e-mail there is information that there is a Pre Closing letter from CMS ( Carrington Mortgage Service ) and a Disclosure Cover letter from CMS. These two items did not need to be returned. Then she wrote, instructing us to sign and return the Closing Disclosure. She included a link so we could get to the secure website so we could e-sign and view as well as download the documents mentioned. The Pre-Closing letter congratulates us on our loan being approved. This letter is dated XX/XX/XXXX and is on Carrington Mortgage Letterhead. The Closing Disclosure ( CD ) has as date issued, XX/XX/XXXX, Closing Date of XX/XX/XXXX and disbursement date of XX/XX/XXXX. I read through the CD and all the information agreed with all earlier loan information that we received from the Loan Originator, XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, XXXX, XXXX : XXXXXXXX. I then researched what a CD was and found that the lender had to send the CD at least three days before the signing of the loan documents. Since the disbursement date was XX/XX/XXXX that day would have met the three work day requirement. So on XXXX, XXXX, XXXX when I hadnt heard anything I contacted Mr. XXXX via email and he told me the loan was not done yet and the loan did not get funded. Then on the XX/XX/XXXX he asked me if we have a well or city water. I told him we have a well and he said the VA requires that private wells be tested. He couldnt tell me what to test for so I had to find that out myself by going to the EPA website. I contacted a well testing person and he told me that to get the test results back in three days instead of two weeks would cost {$160.00} on top of the {$220.00} just for the test. Otherwise it would take two weeks to get the results back. Now, we wanted to do the refi to get some funds to do some needed house repairs. We have been in this house for 14 years and it needs paint, inside and out and some of the carpeting is getting worn. On top of that we are raising XXXX granddaughters since their mother was XXXX in XX/XX/XXXX when they were just XXXX and XXXX. The girls father disappeared into the wind so there was no one else to take them. Our daughter had not worked long enough for the girls to get survivors benefits and we made too much money for state aid. I am a retired XXXX XXXX XXXX, I was working a {$10.00} an hour job and my wife worked as an {$8.00} an hour XXXX XXXX. In XX/XX/XXXX the loss of our daughter was too much for my wife and she went on SSDI then in XX/XX/XXXX I ended up going on SSDI due to recurring health problems. So, financially it has not been easy for us and our credit rating is not good. The only real light has been the XXXX girls. They give us no problems and both are 4.0+ GPA students. They are also in the band and this year the band was taking a trip to XXXX XXXX and XXXX. SO we also were going to use some of the proceeds to finish off paying for this trip. It is really the only way we can reward the girls. The cost for the trip was {$1600.00} per student and we had been paying on it for eight or nine months and still owed about {$700.00} per girl. The total amount had to be paid by the XX/XX/XXXX. We explained all of this to Mr. XXXX at the very beginning of our applying for the loan at the beginning of XX/XX/XXXX and he told us that we should be able to complete the financing by XX/XX/XXXX. So, when we got into XX/XX/XXXX I held off paying the XX/XX/XXXX Mortgage payment to XXXX XXXX XXXX, expecting the refi to go through. So, when we got the approval letter and the CD on XX/XX/XXXX with a funding date of XX/XX/XXXX I used the XX/XX/XXXX Mortgage payment to finish paying for the Band Trip. Then we found out about the well testing. However, since we live on a fixed income and get paid at the beginning of the month, by the XXXX of each month there is not much money left, so I had to wait until XX/XX/XXXX to pull the {$390.00} out of our account that was when I made the XX/XX/XXXX payment to XXXX as well and they marked it as 30 days late. However it would not have been late if Carrington Mortgage Service did not reneg on the closing. As I understand from your website the Closing Disclosure is the last step before the signing of the loan paperwork and the disbursement of funds. I wish that was the end of the story but things just went downhill for us financially, after that. The payment to the water tester had to be cash up front and pulling the almost {$400.00} out of our account left our account short. We pay many of our bills by direct withdrawal ( ACH ). When they started hitting the bank many of them caused us to have to pay {$36.00} per NSF and for anything that got returned. So as a result we are now over {$1000.00} in the red in our bank account and Carrington denied our loan ( although they are blaming the VA ) even after showing them that we had no late payments for the previous 52 months. So, we are now just twisting in the wind trying to figure what to do next. I believe that what has been done to us is unconscionable if not illegal. Please give us whatever help you can. I do not know why they played this game but they did. It makes no sense. I was only able to contact Mr. XXXX. I have no idea who he was dealing with at Carrington Mortgage Services or the VA. Additionally, Mr. XXXX told me that the Closing Disclosure and loan approval letter were just preliminary documents however that wording is nowhere to be found on the CD or loan approval letter.
09/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 54703
Web
We originally purchased our home with a local bank in XXXX. We have been in this home since that time, 26 years. We thought we had run across a wonderful deal when we heard of XXXX XXXX XXXX in XXXX & in XXXX we changed our mortgager to XXXX XXXX. This was trouble from day one. I have been trying to get a loan modification since XXXX. I was a customer of XXXX XXXX XXXX then transferred to XXXX XXXXXXXX XXXX, then to XXXX XXXX XXXX servicing. These were 3 servicers that transferred my loan or bought our mortgage. We were notified until after these transfers were finished but we had no knowledge till after this was done. In XXXX, My husband was facing a XXXX with a long recovery tperiod and I was trying to plan ahead if we should have trouble making our payments due to his recovery time. I talk to XXXX XXXX XXXXXXXX previous to the XXXX to prepare for the worst if it should happen. XXXX XXXXXXXX XXXX gave me instructions on how to get through this rough time and urged us to modify our loan agreement then I followed instructions given by XXXX XXXX XXXX. The instructions did not help me plan for the situation but it led us down a path to being put in foreclosure in XX/XX/XXXX. We fought this foreclosure but then we were again transferred to yet another servicer, XXXX XXXX XXXX. We again faced foreclosure and in XX/XX/XXXX, We got included in a Mass Tort Litigation with XXXX XXXX XXXX XXXX, XXXX after paying {$5000.00} for their service, which we thought would solve all our problems. We received a modification from XXXX XXXX shortly after and made over a year of modification payments starting on XXXX. We called several times to XXXX XXXX in regards to finalize the loan and were told that they could only speak to our attorney We tried contacting the attorney with no news. We received nothing in regards to our loan in the mail in XXXX XXXX. Everything was sent to this attorney that we could not seem to reach by phone. We finally found out that the Law Firm was closed and this attorney was disbarred in XX/XX/XXXX. In XX/XX/XXXX, we then got another notice of a sale date and foreclosure XXXX. We realized at this point our loan had been sold yet again to XXXX. We then sought help from XXXX XXXX, a real estate attorney. We could not negotiate with XXXX and had to file bankruptcy on XXXX to save our home. We then were able to get a Modification from XXXX in XX/XX/XXXX and our bankruptcy was discontinued. We made consistent monthly trial payments for the next year each month never late as we were waiting for permanent loan. In XX/XX/XXXX we figured out that XXXX sold our mortgage to Carrington Mortgage after we received a loan modification agreement from Carrington Mortgage Services. but we were shocked by the numbers of the amounts we owed so we wanted to do more inquiry before signing the document. Our loan did not show credit for any payments made since XXXX and we had 4 years of undocumented payments with no credit to us or acknowledgement that we had made them. They were pushing us to sign the document and we did not agree with the balances shown. We just wanted to negotiate and understand the terms of the loan and come to some agreement so that we could receive some credit for our many payments. Carrington would not negotiate with us or listen to us and just said they were going ahead with foreclosure. We then got a letter dated XXXX that they were foreclosing and a sheriffs sale was set for XXXX. We did not understand as we were not delinquent at this time and our loan was in good standing with XXXX. Carrington told us XXXX no longer exists and they now own our mortgage. So in desperation, We again filed for bankruptcy on XXXX to save our home. We filed for another modification in XX/XX/XXXX. When I asked again if I could negotiate or have someone answer questions regarding payments that were not applied to the loan, Carrington suggested we submit a Customer Service Research Request, I did that on XX/XX/XXXX. In the meantime we started another modification as they told us we had an XXXX sale date. I was so confused at this time, I was not sure what to do but continued on to submit the Customer service claim and also the Modification AGAIN. Then we were told our modification was denied. I am still not sure what they decided on investigation although they sent a letter I do not understand. We now have a sale date of XX/XX/XXXX. We have completed several loan modifications, multiple sale dates, which we have been fighting al this time. We had an independent review and after contacting HUD at one point, our home was sold but HUD made them undo the sale after it was sold. I just want a loan with a fair payment and We have been obstructed from doing so by so many companies. We have had so many foreclosures with sale dates that our legal fees are almost as much as the principal owed. We have more fees owed for interest and late payments that we owe more in fees than the principal owed on the home. We just want to work out a fair deal. This is not a case of us not making payments but to many servicers not communicating or acknowledging payments or blocking us from making them. These fees are unfair and very unclear. I have boxes of documents to prove all of these facts and also checks documented from our local bank proving the checks were cashed and payments were made. Please help us, We have been in this home almost 30 years. Our business is here on the property. We have done everything servicers have asked and there must be a way to make this right. We just want to pay our mortgage. I have boxes of documents to prove all of these facts and also checks documented from our local bank proving the checks were cashed and payments were made.
03/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94127
Web Older American
PROBLEM : My mortgage loan was purchased by Carrington Mortgage ( Carrington ) from XXXX XXXX XXXX ( XXXX XXXX XXXX ) on or around XX/XX/23. I was in forbearance at the time but, I had {$1000.00} held in UNapplied funds at the time the loan was transferred. That unapplied money from XXXX XXXX XXXX then became unapplied money with Carrington. I was to make my first mortgage payment on XX/XX/23 with Carrington Mortgage since receiving funds from a HAF ( Housing Assistance Fund ) to keep my loan " current. '' I had planned on using those UNapplied funds, in conjunction with a planned supplemental payment of {$480.00} that would then together make meet my whole mortgage obligation for XXXX. However, I noticed that my bank statement no longer showed the {$1000.00} in unapplied funds. When I asked about it all anyone could finally tell me was that the unapplied funds were applied to Principal once the account was brought current by the HAF. The HAF assured me that the amount they paid to reinstate my loan as current was separate from using any of my unapplied funds. I told CARRINGTON I have been in hardship ( clearly in forbearance! ) so I would never have wanted that money applied to principal, that I asked that those funds be reversed to help me make the bulk of my XXXX mortgage payment. Someone at CARRINGTON should have seen my loan was in forbearance and been able to put two and two together. Clearly, I was struggling, financially, so best not to move a customer 's valuable unapplied funds to principal. IF this is an automated response when an account becomes current that policy or regulation needs to be reviewed, and changed, in my opinion. ( Wondering - Does the bank benefit somehow when money is applied to the principal of one 's loan? For instance, do they get to invest money applied the principal of someone's mortgage loan? It seems it must serve a bank to do this, being that it is so hard, apparently, to reverse it, and it was done as a matter of course. It certainly didn't benefit me, other than paying down my loan, which I didn't want and didn't ask for. ) EFFORTS : I have made various phone calls to CARRINGTON about this on XX/XX/23 ( 23 mins. ), XX/XX/23 ( 43 mins. and 37 mins. ), XX/XX/23 ( 1 hr, 15 mins. ), XX/XX/23 ( hung up. too long a wait ), XX/XX/23 ( 40 mins. ), and XX/XX/23 ( 35 mins. ) to various reps and talked to people at various levels and in various departments, and was given absolutely NO certain REASON as to why the funds can't simply be reversed. I have also emailed CARRINGTON 'S OWN ADVOCATES DEPT. ( XX/XX/23 and XX/XX/23 ), WITH NO RESPONSE.!!!! Cognitive dissonance warning ahead!!!! I was told NO ONE WILL even ASK that the funds be reversed from principal, UNLESS AND UNTIL I pay another partial payment of {$48000.00} ( asked pre-due date ), and even then, all they could promise was to ASK someone, somewhere, IF the {$1000.00} can be reversed with NO GUARANTEE, along with no guarantee that my additional {$480.00} won't also be misapplied to principal, because it is also a " partial payment, '' which is the reason I was given for why the {$1000.00} was put toward principal in the first place! NO REMEDY : So being that my mortgage payment was due today, I went ahead and made the recommended partial payment of {$480.00}. It felt like I was being extorted for more money from CARRINGTON who already seemed to mismanage my other funds, with no assurances of a positive outcome, and not knowing HOW LONG it might take to get a decision from CARRINGTON, running scared that my mortgage payment runs the risk of either being " late '' or of me having to come up with another supplemental amount, before that happens, which would surely put an undue financial burden on me. The reason I was in arrears in the first place was due to a combination of a COVID hardship and a prolonged health issue. I am presently on XXXX, and have NO EXTRA INCOME to make EXTRA mortgage payments, and IF I DID have any unassigned money I certainly would be paying it to my other bills that are due and owing, and not to the principal on my mortgage loan. That is not a luxury I can afford at this time. ACCOUNTABILITY : Aren't there laws or regulations governing against this type of treatment of customer funds? If so, why isn't CARRINGTON aware of them? And is there a way to hold them accountable? I read tonight that a bank has NO fiduciary responsibility to a customer. I couldn't believe it. How is that possible? They are not to " mismanage '' funds but I'm guessing THAT word can be defined in a way advantageous to CARRINGTON or other banks, or maybe be unclear, or maybe they are simply counting on being protected somehow. It just doesn't seem right. CLOSING : I usually don't make a complaint when I receive bad customer service. Everyone can have a bad day or not have been given enough training or be short-staffed, so ok. However, in this case, it seems more about who controls what we are led to believe is our money. It seems downright unethical or unlawful to appropriate my saved funds the way CARRINGTON wanted, to principal, rather than in the manner I wanted them applied, to a mortgage payment, without even asking me, and without a method to quickly undo it! Isn't it MY money? I mean I put it there with a very specific intention of using it to make a mortgage payment. Do banks really have that much power over our money? If so, that is very scary, and we need to speak up about this kind of thing. People can't fight against what they don't know exists. I am just trying to pay my mortgage so I can keep my house which is already difficult enough to do. Anything the CFPB can do will be greatly appreciated. Thank you!
09/09/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TN
  • 38016
Web
In XXXX, I purchased my home under deceptive practices by the lender via a predatory loan. This home was valued at {$130000.00} in XXXX. Using their deceptive practices, they financed the home at an APR of 9.016 % on the first loan amount of {$110000.00} and the second loan amount of {$28000.00} at an APR of 8.842 % unbeknownst to the borrowers. At the maturity of both loans, we would have paid a total of {$410000.00} on a house worth only {$130000.00}. The lenders preyed upon our lack of knowledge and desire to own a home. Our credit scores with all the bureaus were under 600 ranging as low as XXXX. It was never stated to us the devastating financial impact this predatory loan would have on us long term as a middle class family. In XXXX, this house is only worth {$130000.00}. After being in this home for 19 years, I owe more for this home now than I did when I first began. This is because of XXXX XXXX XXXX XXXX XXXX ( trustee ) and Carrington Mortgage Services ( servicer ) as stated in their letter to me dated XX/XX/XXXX. Somehow and somewhere this loan was sold/transferred to XXXX XXXX XXXX/Carrington Mortgage Services and thus began a plethora of problems. Their customer service has been less than deplorable causing me emotional and physical stress to the point that I'm having XXXX everyday in having to deal with them or just the thought of dealing with them. Over a few years, I had several hardships to occur like divorce, loss of income, sick/elderly parents, major housing repairs, and etc. that caused me to be late on my payments. I submitted multiple mortgage assistance applications and was denied. I was forced to add my elderly sick parents to an application and was accused of fraud in submitting supporting documentation for them in which I never submitted. This has been a long and exhausting process of XXXX XXXX XXXX and Carrington Mortgage Services ( CMS ) to take my home to maximize their profit. Since I file the first complaint against Carrington Mortgage Services, I was told by XXXX with CMS on XX/XX/XXXX to send in an appeal to their Customer Research department in which I did on XX/XX/XXXX. Initially when talking to XXXX, I called to check on the status of the mortgage assistance application I emailed on the XXXX. XXXX stated that their home retention department informed me previously that their is fraud on the account and I could not submit any documents and to fax the appeal letter to XXXX. I told XXXX I was told this before and waited the 30 days as home retention stated and at the end of the 30 days, I was told there was no research department to review an appeal. Also, I asked her was she aware that CMS sent me a letter on XX/XX/XXXX telling me to submit another mortgage assistance application. She said no but to send the appeal letter to the research department. Nevertheless, I complied. On XX/XX/XXXX, I spoke to XXXX who stated they received the appeal letter on XX/XX/XXXX and it was under review and that the sale date has been removed while the appeal is under review. I was told to call back weekly to check the status of it. I spoke to XXXX on XX/XX/XXXX, and was told the appeal was still under review and to call back after the XXXX XXXX holiday. On XX/XX/XXXX, I spoke to XXXX and XXXX ( supervisor ) and was told the appeal was denied and the findings were the same that the SSI letter was altered and I could do nothing but reinstate the loan. I called CMS Customer Advocacy and spoke to XXXX XXXX. She said they will have a decision on XX/XX/XXXX regarding my complaint but they could do nothing to stop the foreclosure and the only option was to reinstate the loan. On XX/XX/XXXX at XXXX XXXX, I received a call from Mr. XXXX with CMS asking my intentions for the home. I informed him I wanted to keep the home and he stated to submit a new mortgage assistance application without my parents on it and I would not be denied by home retention to review the application due to fraud. I submitted yet another mortgage assistance application on that same day of XX/XX/XXXX. I called back this morning XX/XX/XXXX and spoke to XXXX. She stated that the mortgage assistance application was sent to home retention and is under review. She said that by Wednesday home retention will let me know if they need any additional documents or will provide me with a decision. At XXXX XXXX, I received a call from XXXX with home retention. I was at work and he stated he would call me back in a few minutes. I left work and called back and spoke to XXXX at around XXXX XXXX. XXXX stated that XXXX was mistaken and he had no idea who Mr. XXXX was as there were no notes about that call. XXXX stated that the advocacy group is reviewing my complaint and will have a decision by XX/XX/XXXX and that no mortgage assistance applications will be accepted or reviewed until that the decision is made and to call back in ten days. CMS has been giving me the run around for months now with different information from different representatives and it is always an excuse for their numerous errors. XXXX XXXX XXXX, CMS, and their law firm XXXX, XXXX, and XXXX, XXXX are working together to underhandedly proceed with foreclosure. They have backdated letters to show that they had sent notice to me but in actuality the date stamped on the envelope show a couple of days later and they have provided inaccurate information regarding my personal identifying information. Their goal is to take this home at all cost as they have requested an extension to buy time to gather documents as they know the foreclosure date is XX/XX/XXXX and will not have a decision till XX/XX/XXXX which is just two days before foreclosure.
10/26/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • FL
  • 344XX
Web Older American, Servicemember
XX/XX/2023 received a letter from Carrington Mortgage Services , LLC Loan # : XXXX requesting a declaration page of our XXXX XXXX XXXX policy. Policy # XXXX with XXXX XXXX XXXX XXXX ( XXXX ) XXXX which our agent : XXXX XXXX XXXX Florida ( XXXX XXXX ) ( XXXX ) XXXX called our agent and XXXX contacted Carrington Mortgage Services , LLC and emailed them the declaration page which indicated we had renewed our home owners insurance policy for another year XX/XX/2023 thru XX/XX/XXXX, XXXX Received another letter dated XX/XX/2023 from Carrington Mortgage Services , LLC advising us that this was the final request for the information containing Special Flood Insurance. Contacted our agent XXXX XXXX she once again contacted Carrington Mortgage Services , LLC and emailed to them the policy information and advised them that the home owners policy contains Flood Insurance. On or about XX/XX/XXXX or so we received a letter which contained a Notice of Lender-Placed Flood Insurance which was written by XXXX XXXX XXXX XXXX XXXX XXXX XXXX which XXXX I called and asked for a copy of the policy I was told to contact XXXX XXXX XXXX XXXX which XXXX I called them they asked me for the policy number XXXX on loan # XXXX. I was placed on hold. Then a women answered the phone and I was told it was Carrington Mortgage Services , LLC XXXX department. Questioned how she got on the phone, she told me I called Carrington Mortgage Services , LLC XXXX Department. When I asked about the insurance I was placed on hold, within a short period of time my call had been dropped. The document provided indicates that Carrington Mortgage Services , LLC is the insured with additional insured : XXXX XXXX. Carrington Mortgage Services , LLC had been sent as per their request in XXXX a copy of my new Florida Driver 's License with my name changed to XXXX XXXX XXXX XXXX XXXX and a copy of our Marriage License that we were told had to be provided so my husband could remain in the home should I pass before him. They have never acknowledged they received the information in fact our insurance policy reflects the name being changed to XXXX XXXX I have contacted them numerous times to try and get to the bottom of this and everytime I'm told that upper management in the insurance department is handling this. Then I get hung up XXXX our Insurance company American Integrity XXXX XXXX XXXX has called them Carrington Mortgage Services , LLC XXXX department XXXX Has asked for the email address to email our insurance policy to, they Carrington Mortgage Services , LLC claims they didn't receive it while still on the phone the underwriters asks for a Fax number that is in the immediate area and he faxed all XXXX pages and highlighted the " FLOOD INSURANCE '' portion of the policy. He was told they would review it and get back in touch with him within 3 days.. that was in XXXX and he still hasn't received a call.. On or about XX/XX/2023 I filed a complaint with Florida Office of Financial XXXX XXXX Carrington Mortgage Services , LLC and XXXX received XXXX letter on XX/XX/2023 dated XX/XX/2023 advising me that they were in receipt of my complaint with Florida Office of Financial XXXX and XXXX XXXX XXXX additional 15 days to replay.. on the same day I received a letter from Carrington Mortgage Services , LLC dated XX/XX/2023 XXXX me Property Charge Delinquency Notice Action Required XXXX XXXX Foreclosure and XXXX XXXX had been purchased for {$910.00} and that the loan is now in default. To contact them. I called and recorded the telephone conversation since they record their calls as well that's what the recording say when the phone is answered.. the person on the phone asked me a few question which I provded she pull up the account then proceed to explain to me about not having insurance.. I told her to look deeper gave here the name of the insurance company and she found it, then said but it doesn't have flood insurance. I told her to turn to page XXXX and she would find it... was placed on hold. Shortly there after she came back and said yes it does have flood but its not on page XXXX it's on XXXX told me she'd have to place me back on hold. she did except this time the call was dropped. XXXX XXXX from XXXX XXXX XXXX Florida has been attempting to get to the bottom of this and has repeatedly call them. She finally received a call and was told they couldn't discuss my case but if I pay the insurance everything will stop. I've sent her copies of all correspondence along with phone numbers for our agent, the insurance company and gave them permission to speak with XXXX XXXX. In searching for other complaints againist Carrington Mortgage Services , LLC I found over XXXX complaints filed with the BBB on a National scale. found also where CFPB is quite familiar with Carrington Mortgage Services , LLC back in XX/XX/2023 Carrington Mortgage Services , LLC was filed {$5.00} XXXX dollar for defrauding folks out of late fees etc under the CARES Act Rights. That's why I've decided to file this complaint since Carrington Mortgage Services , LLC hasn't answered the State of Florida 's Complaint. The FBI have been notified as well of this means to defraud seniors out of their homes when their mortgages were sold by XXXX or XXXX changed their name.. Something occurred because we were sent a notice that their name had been changed to Carrington Mortgage Services , LLC I've attached copies of the correspondance that has been received along with other information that has been found to be true against Carrington Mortgage Services , LLC
05/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • XXXXX
Web
Today, I called in on behalf of a borrower ( I have a Power of Attorney on record ) to explain how I mistakenly sent an extra mortgage payment meant to be posted at another mortgage company for a different client. I explained that a full payment of {$660.00} for XXXX XXXX was already made two weeks ago and the account was current. The extra {$750.00} payment they received last week was a mistake. It was clearly a mistake because prior payments were {$660.00}. In my effort to make things easier, I proposed that they applied the {$660.00} towards the XXXX payment and simply carry the {$88.00} into XXXX . We would send in the difference next moth so that an entire payment would be applied towards XXXX XXXX payment. I was told they could n't hold any money in suspense and that all monies had to be applied somewhere. And since there were late fees, that is where the overage would automatically be applied. I told her that if it was a small overage ( less than {$1.0 0} ), I w ould be fine with that. But the {$88.00} overage was substantial for this rental property and that it was better used towards XXXX XXXX payment. I was told there was no way to do this and that I would have to make a refund request and wait 17-20 da ys. I spoke to two different people on the matter who both put me on hold to speak to a " supervisor ''. Both told me that I would have to write a letter, attach a copy of my bank statement showing the {$750.00} payment ( to prove the funds cleared ) in order for me to get a refund. With the first woman, I was under the impression that I would get a partial refund. But the second woman told me that I would have to request a full refund. The instructions seemed so unnecessarily bureaucratic. Because of their inconsistent responses and the fact that Carrington Mortgage seemed to be much harsher today than in years past, I called their " Customer Advocacy '' department to find out their thoughts on the matter. The man told me that since it was my mistake that I issued the wrong payment to them, they were entitled to keep the money. Further, because I made the payment by electronic Billpay ( which does not allow for instructions ) the overage would automatically be applied towards late fees. I could not change how the overage was applied. He did not even discuss the full or partial refund option. I cut that phone call short because I could see the conversation was going nowhere and that he was actually being more hostile than the first two women I spoke to! The account was not only current, it was now a month ahead because of the mistaken {$750.00} payment! And yet I was being treated as if the account were delinquent. In my extensive experience with various mortgage companies, people who overpay ( a ccidental or not ) are accommodated fairly. The preference that any overage be applied towards the principal or the following month 's payment ( regardless of late fee status ) is generally an easy process and granted. I did it with XXXX recently and they were really nice about it. It only took three days to get it done. Best of all, it requires no complicated or bureaucratic refund process. Carrington Mortgage has been more accommodating in years past. Current employees are much harsher with its payment policies to the point where I think they are now violating rules of how mortgage payments should be applied. I have never had any mortgage service company " punish '' its customers for overpayment by telling them they need to request a refund and then wait 17-20 d ays for that refund. Also, I have not had any mortgage company " customer advocate '' tell me before that because a customer overpaid by mistake that they are entitled to keep the money AND apply the funds as they see fit. That is wrong. This is not a late situation at all, the account is current. Most consumers do n't have the experience I have in making hundreds of mortgage payments and interacting with dozens of mortgage servicing companies over the last 15 years. Each mortgage servicing companies are somewhat different in the details but most operate in a reasonably accommodating and standard fashion especially in overpayment situations. Problems are usually resolved with a phone call and an adjustment to the account, not the bureaucratic process I am going through now. Carrington Mortgage employees insist that I request a refund which will take 17-20 days. It is either that or be forced to accept that they will take the {$88.00} for late fees which would be better used towards XXXX XXXX payment. This is a rental property where margins are very small and {$88.00} means a lot here which is why we prefer to carry it over to the next month 's payment. The hostile attitude by the " consumer advocate '' was shocking and disappointing. I do n't believe what Carrington Mortgage is doing now is fair or appropriate. I feel it violates ethical rules of conduct for mortgage servicing companies. I base my complaint on my years of managing properties and making mortgage payments on behalf of many clients over the years. I am trying to be flexible in trying to resolve this overpayment issue but the conversations I had has not given me confidence that things will work out well. Even if they do provide the refund, it is still 17-20 days lost where we do n't have access to the money. It could all be so simple if they just let the {$88.00} sit in a suspense account but they do n't permit that anymore.
02/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 285XX
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2018 Carrington Mortgage Services : Escalations Team XXXX XXXX XXXX XXXX, IN XXXX Loan Number : XXXX Last 6 of SSN : XXXX Escalations Team, XXXX : I am needing a letter from Carrington stating that I am currently up to date on my mortgage loan and without any outstanding balances ; or late payments. The late payment reported to the credit bureau should have never been reported due to Carrington making a mistake on an escrow analysis. I need this so that my lender can re-score my credit score and allow me to purchase a home. I was told by Carrington that I would receive an email stating this and now I am being told that I wont ; that I must continue to jump through hoops to fix a matter that wasnt my doing. I will take drastic measures to fix this as soon as possible. I am currently living a friends house with a family of XXXX and currently XXXX XXXX in the United States XXXX XXXX ; I don't have the time to weight around for 30-60 days in order to resolve this. Today I find myself in a terrible bind. Back in XXXX, I received a notice about our monthly payments increasing ; Carrington mentioned over the phone that it was due to having two separate insurances. My initial monthly payment was approximately {$620.00} and after your company conducting an escrow analysis it jumped to $ XXXXall values given throughout this letter are approximations, because we don't remember exact amountswhich is a ridiculous amount to pay compared to the homes value. I had set up an automatic payment program through your website to escape the stress of having to do it manually every month. Unfortunately when the money was going to be pulled from the account, there was not enough funds for the payment being request from Carrington ; again due to our monthly payment going up from a mistake caused by you, not I. When I contacted Carrignton, I was told that the monthly payment went up because of our insurance. After going back and forth with multiple Carrington representativeof whom were very disrespectful and incompetenceI found out that this was all caused by your company thinking I had two insurances. I then had to jump through hoops to try and fix an issue your company caused and continuously failed to correct on their own. I contacted my insurance provider on multiple occasions and had her contact Carrington to try and explain to you that I should not be paying this much ; that all you had to so was run another escrow analysis and figure out I only had one insurance. Well as you all ready know, this takes time and while this was occurring I kept paying extra. Back in XX/XX/XXXX your company placed a payment on escrow hold because it wasnt the total amount ; this is absurd and why I am in the this issue today. Once I called I payed all due payments and fees I needed to pay to make my account current. While this was going on I was told by Carrignton that this issue, once resolved, would be easily rectified by them sending me an email stating the mistake and I would also receive some sort of reimbursement by a mailed check or lowering one moths payment for all the extra money Ive payed from your mistake. To date I have not receive a single amount of compensation nor the email needed for me to fix this issue and get it off my credit report. The results of Carringtons mistake has now left mea XXXX XXXX XXXX, with a family of XXXX without a home to live inin a friends house and unable to be approved of a VA loan in order to purchase a home. Today I contacted Carrington once again because my lender asked me to contact you to try and get this email stating your fault emailed to me so that she may re-score my score and qualify for a loan. All I have gotten from your company is disrespectful representatives who have been all but productive and positive about my concern. A repressive by the name of XXXX replied after being asked to transfer me to a superior or supervisor said Ugh nah, nope. This is complete unacceptable and a lack of responsibility on your part as a company who prides themselves for customer care. I have read multiple reviews online about issues like mine and all are just disgusting. I don't know how your company is able to run in this type of environment. Finally, I was able to reached a representative who told my lender over the phone that you guys were at fault and that I have never missed a payment, that it was your fault but my lender needs it in an email with your letter headed stating it from your party. I will contact Consumer Financial Protection Bureau ( CFPB ) and will file a complaint for this matter. Even though your company was responsible for this inappropriate and stressful situation for me then ; when I had to then pay extra money, jump through hoops to get your problem fixed for me. Now I must do the same because you caused this issue, you told me you would send me an email stating I have been up to date on my loan and never caused a late payment on my part. I am an XXXX XXXX XXXX, 11 years in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now I have a family of XXXX XXXX in someone elses house because I received orders to move to another station and now can not purchase a home because of your incompetence for lack of a curse word. Please fix this now! Ps : The attached file contains the screen shot of my account with Carrington being current and up to date. Sincerely yours, XXXX XXXX
11/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 78634
Web
Carrington Mortgage Services , LLC has failed to send us monthly statements on our account since they took over in XX/XX/XXXX when XXXX transferred our loan to them. They refused to send us mortgage statements throughout the life of the loan with them. In XX/XX/XXXX we paid Carrington Mortgage Services , LLC a double payment for for the months of XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX we actually got a mortgage statement and it said we were 2 months behind and that we never paid for XX/XX/XXXX and XX/XX/XXXX 's payments. I then called them several times and even asked for a manager to call me back. I never got a phone back and I proceeded to call them at least 15 times in XX/XX/XXXX. When I finally got someone on the phone that knew what they were doing, so we thought, that person had said, no, your mortgage is all up to date. Then on XX/XX/XXXX they reversed our mortgage payments that we made in XX/XX/XXXX and never re-applied the payments causing us to be 2 months behind on our mortgage. I called again and they still said we were up to date and that they had also applied someone else 's mortgage payment to our account causing that person to be behind on their mortgage as well. We made another mortgage payment in XX/XX/XXXX without receiving a mortgage statement. When we tried to pay our mortgage in XX/XX/XXXX they sent our payment back with a letter stating that they can not except our payments at this time. I then proceeded to call them back several times through the month of XX/XX/XXXX with no answers to why they sent our payment back, We went ahead and made another payment for XX/XX/XXXX and that payment was sent back to us with the same letter. I called again and still no answers as to why our payments were being sent back. At the end of XX/XX/XXXX we finally had an answer. They said we were in foreclosure because we had not made any payments since XX/XX/XXXX. I sent them all of our checks that they cashed along with our bank statements proving we made the payments. They said there was nothing they could do and they were foreclosing on our house. They never sent us a letter stating that they were starting the foreclosure process, we never got any letters stating that we have a right to speak with their financial counselor, we never received any letters stating the foreclosure is continuing. We went and talked with a lawyer at the end of XX/XX/XXXXbeginning of XX/XX/XXXX to find out that Carrington Mortgage Services , LLC had filed with XXXX County a transfer of the deed and trustee. Our lawyer had tried to talk to Carrington several times throughout the month of XX/XX/XXXX. In XX/XX/XXXX we asked for a re-instatement amount. We were told it would be {$9500.00}. We tried to pay them the money over the phone and by mail and they refused to accept our payment to get reinstated and keep our house. They stated it was to lae to do anything and continued to refuse our re-instatement payment of the {$9500.00} they said we owed. We had no choice but to file a law suite against them to stop the foreclosure. In XX/XX/XXXX Carrington still sold our house at auction even though we had a court order signed by a XXXX County judge to stop the sale of our house. We had tried several times to apply for a loss mitigation claim. We were denied all times. Carrington then moved our case from the Texas state courts to the Federal courts. In the deposition we had with Carrington 's representative in XX/XX/XXXX he admitted at least 4 times that Carrington messed up our accounting and this never should have happened. Those statements were recorded by the fedral court reporter and is on file with the federal courts here in XXXX, TX. In the last 3 years we have tried several times to pay them the re-instatement amount and settleing the case. We've tried going through a mediation with them and nothing was settled at mediation. The mediator then come up with a a mediator 's proposal which we accepted but Carrington denied. We had a federal court date set for XX/XX/XXXX with a jury, but because of the government shutdown it was canceled. We waited and waited to hear something from Judge XXXX XXXX on our new court date. Our lawyer was continuing to try and settle out of court throughout the next few months and he was unable get any response from Carrington and their lawyers. At the end of XX/XX/XXXX we found out the the Judge threw our case out with prejudice, giving Carrington the right to foreclose on us again. Our lawyer filed a reconsideration with the Judge XXXX XXXX on XX/XX/XXXX. Judge XXXX XXXX said no and now Carrington has started the foreclosure process again. We have tried to refinance our house several time since XX/XX/XXXX when Carrington took over, but because they falsely reported to all three credit bureaus that in XX/XX/XXXX our home loan was 100 % paid off causing us to never get a refinance on our home. At this point we just want to keep our house and get away from Carrington but they have made it impossible to do that from day one because of the false reporting to the three credit bureaus. Carrington Mortgage Services , LLC has extremely bad loan practices, refuse to except our payments, they have committed several accounts of federal fraud on our account, several RESPA violations, never applied our monthly payments, never sent us statements and falsely reported to the credit bureaus that our house was paid off causing us to never get away from them and refinance with a new company.
12/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Fees charged
  • VA
  • 23434
Web
My mortgage was transferred from one mortgage company to Carrington Mortgage Services in XXXX of 2023. I was not made aware my mortgage had been or was in the process of being transferred until I went to make a monthly payment to my former servicer, they provided me with the phone number to Carrington Mortgage. I called Carrington Mortgage and they advised me to download and set up there mobile app and that I could make payments through the application. They advised it would take some time for all of the information to get processed. I received an email from them on XXXX XXXX Welcoming me to Carrington Mortgage Services. On XX/XX/2023 I received an email from Carrington about my recent transfer. I set up automatic payments through the mobile app. From XXXX XXXX up until XXXX XXXX. I received a total of 12 emails from Carrington, from monthly newsletters, an offer for insurance, escrow account analysis, and Holiday Closure Notifications. By postal mail I only received a escrow account analysis. I checked my checking account balance on XXXX XXXX and noticed there was more money in my account than I expected. I attempted to call Carrington but it was XXXX XXXX XXXX and they were closed. I called Carrington on Monday XXXX XXXX and advised my mortgage had been transferred, I had been instructed to download the mobile and I also enrolled in automatic payments but it seemed those payments hadn't come out. The first representative I spoke with told me my account was flagged for foreclosure and that I would not be able to make a payment. She said she had to note the account and have management send me a letter totaling the amount that needed to be paid. I asked her why I hadn't received any emails or alerts to the app. She verified my mailing address and my telephone number. She said letters had been sent out but since XXXX people were having difficulty receiving their mail. I told her I had received the escrow analysis. I asked if I could make the payment and she said no because if the amount was incorrect the company would not accept it. I asked for the letter to be emailed to me and she said I would receive it within 3 days. I asked how I could make a complaint and she said I could not and that other than refinancing I would not be able to leave Carrington Mortgage Services. I called again on XXXX XXXX the representative I spoke with at this time advised the mortgage was in pre-foreclosure. And she saw the note where I wanted to keep the home. She said the letter would take 10-15 days to be emailed but that it would likely include XXXX 's payment. I asked again if I could just make a payment since it was XX/XX/XXXX and my grace period was until the XXXX. She said I could not and doing so would result in the payment being rejected and the money may become tied up and I may not have it for when I received the letter. I asked her how I could make a complaint and she said that I couldn't. I contacted HUD and they advised me that a foreclosure could not be processed before 120 days of late payments. I spoke with Carrington on XX/XX/XXXX as I still hadn't received the email. I also told them what HUD had told me and asked to speak with a manager. The manager told me the mortgage was due XXXX, I asked her when did it get transferred to them she said XXXX I asked how then was it late. She told me the house was in active foreclosure and I would need to pay {$15000.00}. She said {$1900.00} was for foreclosure fees. I asked her when did the mortgage go into foreclosure and she told me on XX/XX/XXXX. I asked her how I could make a complaint as this was unethical and she told me she could take my complaint. I told her I had a statement on the mobile app with a statement date of XXXX with an amount due of {$13000.00} to be paid by XXXX. Why was that amount different and she told me it was just a regular statement. I asked her then why couldn't I pay that amount and she said because it was in foreclosure. I called HUD again on XX/XX/XXXX and they advised me to call back to Carrington and let them know it was an FHA loan and that regulation prohibits them from foreclosure before 120 days of default. I called back to Carrington and the representative told me that it had been 120 days, I told her it had not and the statement even said the loan was 108 days past due. She told me to call the lawyers handling the foreclosure. She gave me their phone number and I spoke with a paralegal who told me to make the payment to keep the loan from going to foreclosure but to file a complaint with CFPB. When I finally received the reinstatement letter it has a total payment due {$13000.00}, no late charges but {$1900.00} in Corporate/Expense Advances.Making the total reinstatement amount {$15000.00}. I decided to search the internet about Carrington Mortgage Services because this entire ordeal has been extremely stressful and surreal. I've found they make a habit of these types of practices with consumers. Especially upon Mortgage Transfers.There is a whole XXXX XXXXXXXX XXXX Carrington Mortgage Mortgage XXXX XXXX dedicated to consumers who are having completely unbelievable experiences. I think their practices are unethical and predatory. It seems as if they want to foreclose on my home. It also, seemed like they didn't want me to make the payments so they could drag the entire situation out and initiate a money grab or just foreclose on my home and take possession of it.
11/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 78634
Web
Carrington Mortgage Services , LLC has failed to send us monthly statements on our account since they took over in XX/XX/XXXX when XXXX transferred our loan to them. They refused to send us mortgage statements throughout the life of the loan with them. In XX/XX/XXXX we paid Carrington Mortgage Services , LLC a double payment for for the months of XXXX and XX/XX/XXXX. In XXXX of XXXX we actually got a mortgage statement and it said we were 2 months behind and that we never paid for XXXX and XXXXXXXX XXXX payments. I then called them several times and even asked for a manager to call me back. I never got a phone back and I proceeded to call them at least 15 times in XX/XX/XXXX. When I finally got someone on the phone that knew what they were doing, so we thought, that person had said, no, your mortgage is all up to date. Then on XX/XX/XXXX they reversed our mortgage payments that we made in XXXX and never re-applied the payments causing us to be 2 months behind on our mortgage. I called again and they still said we were up to date and that they had also applied someone else 's mortgage payment to our account causing that person to be behind on their mortgage as well. We made another mortgage payment in XX/XX/XXXX without receiving a mortgage statement. When we tried to pay our mortgage in XX/XX/XXXX they sent our payment back with a letter stating that they can not except our payments at this time. I then proceeded to call them back several times through the month of XXXX with no answers to why they sent our payment back, We went ahead and made another payment for XX/XX/XXXX and that payment was sent back to us with the same letter. I called again and still no answers as to why our payments were being sent back. At the end of XXXX we finally had an answer. They said we were in foreclosure because we had not made any payments since XXXX of XXXX. I sent them all of our checks that they cashed along with our bank statements proving we made the payments. They said there was nothing they could do and they were foreclosing on our house. They never sent us a letter stating that they were starting the foreclosure process, we never got any letters stating that we have a right to speak with their financial counselor, we never received any letters stating the foreclosure is continuing. We went and talked with a lawyer at the end of XXXX beginning of XX/XX/XXXX to find out that Carrington Mortgage Services , LLC had filed with XXXX County a transfer of the deed and trustee. Our lawyer had tried to talk to Carrington several times throughout the month of XXXX. In XX/XX/XXXX we asked for a re-instatement amount. We were told it would be {$9500.00}. We tried to pay them the money over the phone and by mail and they refused to accept our payment to get reinstated and keep our house. They stated it was to lae to do anything and continued to refuse our re-instatement payment of the {$9500.00} they said we owed. We had no choice but to file a law suite against them to stop the foreclosure. In XX/XX/XXXX Carrington still sold our house at auction even though we had a court order signed by a XXXX County judge to stop the sale of our house. We had tried several times to apply for a loss mitigation claim. We were denied all times. Carrington then moved our case from the Texas state courts to the Federal courts. In the deposition we had with Carrington 's representative in XX/XX/XXXX he admitted at least 4 times that Carrington messed up our accounting and this never should have happened. Those statements were recorded by the fedral court reporter and is on file with the federal courts here in XXXX, TX. In the last 3 years we have tried several times to pay them the re-instatement amount and settleing the case. We've tried going through a mediation with them and nothing was settled at mediation. The mediator then come up with a a mediator 's proposal which we accepted but Carrington denied. We had a federal court date set for XX/XX/XXXX with a jury, but because of the government shutdown it was canceled. We waited and waited to hear something from Judge XXXX XXXX on our new court date. Our lawyer was continuing to try and settle out of court throughout the next few months and he was unable get any response from Carrington and their lawyers. At the end of XX/XX/XXXX we found out the the Judge threw our case out with prejudice, giving Carrington the right to foreclose on us again. Our lawyer filed a reconsideration with the Judge XXXX XXXX on XX/XX/XXXX. Judge XXXX XXXX said no and now Carrington has started the foreclosure process again. We have tried to refinance our house several time since XXXX when Carrington took over, but because they falsely reported to all three credit bureaus that in XX/XX/XXXX our home loan was 100 % paid off causing us to never get a refinance on our home. At this point we just want to keep our house and get away from Carrington but they have made it impossible to do that from day one because of the false reporting to the three credit bureaus. Carrington Mortgage Services , LLC has extremely bad loan practices, refuse to except our payments, they have committed several accounts of federal fraud on our account, several RESPA violations, never applied our monthly payments, never sent us statements and falsely reported to the credit bureaus that our house was paid off causing us to never get away from them and refinance with a new company.
05/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77381
Web
I have been trying to work out my past payments owed with both XXXX XXXX XXXXXXXX and now XXXX XXXX, to no avail. All I have been asking for is either a re-payment plan or if they could put the payments to the rears so that I can get-back-on-track. Please understand we have lived in this house for 16 years and have approximately 150-200k worth of equity in it. All this came about because I was unemployed for 2 years, and during that time I continued to make my mortgage payments, it wasn't until the end of my unemployment cycle that we began to get behind. I now have a very good job and make a very nice salary that can afford this mortgage without any problems. So back to what has transpired, back in XXXX of XXXX with XXXX XXXX XXXXXXXX ( who was my mortgage holder at the time ), they told me they'd work something out. Then they came back and said to submit to do a loan modification which would roll my past due payments and lower my current monthly payment at the same time. So, we proceeded to do that, submitting tons of forms, bank statements, tax returns etc., only to be told in XX/XX/XXXX that the modification would actually increase my monthly payment. Knowing this was the opposite result they then said to write a letter to not accept this modification and let them re-submit it. I said what if this doesn't change? They told me not to worry at the very least they would do a workout for the past payments. So, on XX/XX/XXXX, we started the process with XXXX XXXX XXXX all over again. Submitting tons of forms, and updated bank statements etc. And we waited to hear back..and waited. During all this time I was paying XXXX XXXX XXXX monthly so that I would not fall further and further behind. At that time, I believe I was almost 3 months behind. In XX/XX/XXXX, we get a letter from XXXX XXXX XXXXXXXX that our mortgage has been sold to Carrington Mortgage and to contact them from this point on. So, I reach out to Carrington and they don't show me at all, they can't find me. So now I call back to XXXX XXXX XXXX I ask how to make a payment in XXXX, where does my modification and or workout plan stand and I am told that Carrington has been forwarded everything but that I need to give them a couple of weeks to get me into their system etc., I then call Carrington and they say basically the same thing. So, I wait and keep calling Carrington until they finally, in XX/XX/XXXX they have me in their system and have assigned me an account number. So, I tell them I know that I am behind and that I was in the process of a possible modification or workout, but in the meantime, I wanted to keep making a monthly payment. I am then told that I can not make a " Partial Payment '' that I have to make the entire past due amount plus the current payments due. I explain to them that this is what I have been trying to do with XXXX XXXX XXXX for almost a year now. I tell them that XXXX XXXX XXXX told me they ( Carrington ) were sent all the paperwork including my current modification papers. They tell me to give them a couple of weeks. I call back in a couple weeks and they tell me to call back in another week. Finally, I am told that they don't have any modification paperwork from XXXX XXXX XXXX and that I need to start the process all over with them. So, in XXXX XXXX, we start all over with Carrington. This process drags into XXXX as they request additional info etc. All this time we are getting further and further behind on our mortgage as they will not allow me to make any payments without paying the entire past due as well. Meanwhile we are now extremely upset and start reaching out to different government agencies and finally, my wife speaks with someone at HARP who recommends we contact XXXX as they will help represent us through this process. He informs my wife that XXXX XXXX XXXX is in a class action suit for this type of behavior. Needless to say, in XX/XX/XXXX Carrington turns us down and says we are ineligible for Unemployment Forbearance Plan, ineligible for CMS Loan Modification and ineligible for a Repayment Plan. But I am eligible for Home Liquidation. XXXX XXXX from XXXX tells me Carrington is wrong and needs to do the right thing here. She contacts Carrington and gets them to agree to allow us to re-apply for a modification, a workout or as XXXX XXXX said they need to Cap the amount owed to the rears of your loan. So, we began the entire process again working through XXXX, again we went back on fourth for months with more documentation, updating bank statements, payroll stubs etc. XXXX XXXX kept in constant weekly contact and told me she thinks they will do the right thing as I was unemployed for 2 years, so I certainly qualify, at the very least, for them to differ the amount owed to the end of my loan. However, on XX/XX/XXXX, they denied us again exactly as before. XXXX XXXX could not believe it and has told me to appeal, but to also reach out to your organization for any assistance you may be able to lend. I do not want to lose my home, I have too much equity and wonder is that why they are doing this to me? To get the equity? I am facing having to borrow from friends and family to save my house and ultimately my equity. I make a good living and can afford my home, I just need help to get the past back on track. Please let me know if you can help. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
10/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • LA
  • 70460
Web
I sent this to Carrington Mortage ; Loan Number XXXX Who would I contact in reference to my escrow still being wrong its been wrong since XXXX and Ive been overcharged since XXXX {$880.00} a month since I cancelled my former homeowners policy and went with lender placed insurance which was not put into effect until XXXX. Im being told my escrow is based on projected costs for the coming year. How can you accurately ascertain what the projected costs will be is you are basing it on a homeowners policy that has been cancelled. The insurance company even provided a letter stating the policy has been canceled and it was not going to be renewed. And then in XXXX there was another escrow analysis in which the lender placed insurance was added into the total. So now my escrow is based on projected homeowners policies one projected policy and one projected property tax. My property tax its homestead exempt it will never change. My flood insurance went down {$200.00}. And since I canceled the homeowners policy that I had originally placed and went with one that you had placed obviously you know that it is {$65.00} a month that cant change unless you change it. After homeowners insurance premium was paid in XXXX the XXXX XXXX came through and brought my account to XXXX and brought my negative escrow balance to XXXX. Therefore the money that was put out to cover that policy has already been recovered by you in the form of that payment that the half XXXX made. I canceled the policy XXXX weeks after you renewed it. I have been repetitively trying to get someone to understand that that policy is canceled theres no projecting it ever into any type of future and escrow needs to be adjusted to reflect that as well as adjusted to reflect the addition of lender placed insurance which is {$65.00} a month. My current monthly escrow should reflect {$65.00} for homeowners insurance {$100.00} for property taxes and {$280.00} for flood insurance. A total of {$440.00} a month. Not the current {$1300.00} which my statement says is the escrow portion of my current note which is {$1700.00} a month. Principal is {$180.00} and interest is {$190.00}. My current monthly note should be {$820.00} not {$1700.00}. Thats a difference at {$880.00} a month. Since I canceled that homeowners policy in XXXX that means that you have over billed me {$880.00} a month for 10 months. Thats a total of {$8800.00} I have been over-billed this year. So how is it possible that I was being threatened with foreclosure when Ive been over billed {$8800.00}. I want an immediate refund on the escrow surplus and the note adjusted and lowered. I will be contacting HUD, filing a complaint with consumer financial protection and an attorney. If my note had been adjusted in XXXX to {$820.00} as it should have been due to the cancellation of the homeowners policy and the XXXX XXXX bringing my account and bringing my escrow account to XXXX also, to date I should have been billed for XXXX a total of {$8200.00}. In XXXX I paid {$1100.00}. XX/XX/XXXX XXXX XXXX paid {$6700.00}. That totals {$7900.00}. The entirety of what I would owe you for XXXX to XXXX at {$820.00} a month is a total of {$4100.00}. So when the XXXX payment was made at that point I had overpaid you {$3800.00}. So if you apply this overpayment to each statement as it arises monthly there is enough to cover XXXX XXXX notes. This means that XXXX XXXX XXXX and XXXX as well as half of XXXX were already paid at that point. So please explain to me how it is that I kept getting threatened with foreclosure. Please explain to me how its possible XX/XX/XXXX I was told that if I didnt bring the account current as of XX/XX/XXXX by making a payment of {$7000.00} I would be placed in foreclosure. If I wasnt being overbilled the entire year you already had enough in payments from me to cover through XXXX. So how is it possible that I was being placed in foreclosure if I didnt pay another {$7000.00}. And at the same time Im receiving letters from the home retention department telling me that they are working on making some type of an offer to me for a modification or something of that nature. And Im being assured that as long as the case is still open and they have yet to make an offer to me that I can not be foreclosed on until this process is completed I actually spoke to the lady on the XXXX who told me I would automatically before closed on XX/XX/XXXX and then sent a letter recapping that to one of the mitigation specialist in your office explaining to her what Im being told only for her to assure that they would have some type of an offer to me in the next week or twos I reiterated to her that I didnt have a week or two I barely had a day or two because the woman saying she was going to foreclose on me was XXXX serious. I was forced into a position that I had to make a choice that I would not have made in reference what to do with my home because I feared losing everything through foreclosure on XX/XX/XXXX. Reality is XX/XX/XXXX I didnt owe you anything I was still paid ahead based on accurate escrow analysis and adjustment of my monthly note to what it should have reflected based on the real numbers instead of based on a policy that no longer existed. To this day they have yet to correct the escrow Who is it that I should speak to in order to get some type of resolution to the situation XXXX XXXX XXXX
12/29/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NC
  • 27606
Web Servicemember
My Loan was sold from XXXX XXXX to Carrington Mortgage XXXX # XXXX back on XX/XX/2022. My mortgage amount has always been {$3300.00} and is VA loan that Ive been paying on with no issue when paying XXXX XXXX. I received a mortgage letter from Carrington Mortgage that they bought the loan and that payments should be sent to them beginning in XXXX, I went online to put the account on auto draft. In early XXXX I noticed my checking account was lower than I expected and saw it was due to Carrington over drafting my account {$1800.00} on top of my {$3300.00} for a total of {$5200.00} for the month of XXXX and XXXX. I called XXXX on the XXXX of XXXX and was told by the Customer care lady on the phone that My taxes went up so that was the reason for the new amount. That my taxes went up from {$4300.00} a year to over {$14000.00} and that they needed to collect the deficit until the account was brought to the needed amount. I told the lady that there is a mistake, I have the tax bill and it says {$4400.00}. There was no budging and she asked that I call the next day and talk with the tax department. I was on the phone approximately 45minutes that day. I called the next day, XX/XX/XXXX and calling Carrington is a nightmare. In order to get to any department its at least 10 minutes of hitting numbers to get anyone or listen to bogus prompts that take you in circles. I finally spoke with Customer care who said they could not help and I needed to speak with the tax department. That was about 50 minutes.I was placed on hold and they transferred me to the tax department only to be hung up on. I called back and after about 15 minutes of trying to get to the tax department a gentleman said that he saw in his notes that the call dropped, but that couldnt change anything and would inquire on it. He transferred me back to the tax folks and I spoke with a gentlemen ( who i didn't get his name ) but did pull up the tax page and saw that my property taxes tripled, and acknowledged it " appeared '' uncorrected but has to follow their process to resolve and that it would take three weeks. He asked that I call back at the end of the month but I felt that I didn't want to wait another 30days to get my overage money back so I asked to speak to a supervisor to get it resolved. I was transferred to a Supervisor who said that she saw the issue and would expedite the tax research. I asked how long that would take and she said it would take no more than 48 hr and ASSURED ME that she would that she would call me back in 48 hrs. I never receive a call back from that Supervisor at 48rs and I assumed that it was handled. Today, XX/XX/XXXX, I check the mortgage page this overage isn't resolved. It still shows I owe the higher Mortgage payment and I don't have a credit. I called Carrington Mortgage again and was bounced around, again with another assurance that they are working on fixing the tax bill. In North Carolina, Taxes are due the 1st of the year. In this case they are due on the 3rd because the 1st is on Sunday. They havent fixed my mortgage amount and said that because their records still show show Im XXXX in the hole, After asking about me not making a mortgage payment, they said that they " could '' help by extending the XXXX deficit by 15 months! The taxes are wrong and they are saying they can make these tax payments spread out over 15 months?!! that's insulting to know that they have a mistake on their hands and the resolution is for me to still pay while they figure out how to fix it. The real hardship I have is that they have over drafted my checking account without notifying me. It took me looking at my checking to notice that they increased my mortgage payments shy of XXXX per month. And now they are being very difficult in fixing this and also crediting me back the money they withdrew. Ive spent hours on the phone with them to only have my calls " mysteriously '' drop.and when that happens, there is no call back. when asked why they dont call back after a disconnect, their response is we arent set up that way. So the consumer is left to be frustrated, on long phone calls, without answers, and on top of that, put back in question to call Carrington back. I also asked them why I have not received any updated on my complaints. Not even an acknowledgement that they received or are working on an issue. No documentation that there is an issue for the consumer, No email receipt, no documented forms in the webpage under my Mortgage file. Ive had several mortgages and this company by far is failing on keeping any record of complaints that Customers make. I am now writing down who I spoke with. When I asked for them to tell me who I spoke to, the tax department Supervisor said I can only give you initials because of security reasons. I really need help before XXXX XXXXXXXX XXXX tax need to be collected and they do not pay my assessment but pay the incorrect property they think is mine in error. Also, they really need to have a paper rail for customers on inquirys because this is ridiculous and frustrating that they can take money from my account with no notice and it takes the consumer to call them on their error. Even then, they are slow to fix that error. Today I spoke with XXXX a XXXX department Supervisor who hung up on my at about 58 minutes with no call back and while trying to connect me to customer Service.
10/30/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85335
Web
XX/XX/XXXX - Called phone number listed on letter Called and spoke with representative to advise I was calling in about the Conditional Approval Letter stating for me to call and be advised of my Options. Also discussed letter that stated I will need to let them know which option I would like to pursue by XX/XX/2018. Representative advised options would be pay full amount of past due, short sale or deed in lieu of foreclosure. I advised Representative that I would decide which option and call the next day on XX/XX/2018 to let them know which options I want to pursue. Representative said okay and we discussed per the letter I had until XX/XX/2018. Called back on XX/XX/2018 to discuss each option in detail. Was advised by Representative that my home went into auction the prior day, which per the conditional approval I had to respond by XX/XX/2018 to pursue either pay full delinquent amount, short sale or deed in lieu. So, by Carrington allowing the foreclosure to proceed before the date listed on the conditional approval letter they didnt allow me as the homeowner to pursue either one of the options. I was in total disbelief and also could not understand why when I submitted my application for the loss mitigation they didnt take in account my unemployment. Which was one of the reasons selected on the application for my reduction in income. I worked at XXXX XXXX XXXX for 7years, which was my primary income. Then I lost my job at the beginning of the year, and started receiving unemployment. The representative was very insensitive and just kept stating the house was sold yesterday at auction and couldnt give me an answer on why the Conditional approval letter stated I need to respond by XX/XX/2018 but my house still went into auction prior to that date. After not getting a resolution I asked to talk with the Loss Mitigation Department to talk with them as to why when they reviewed my application they didnt consider my unemployment. Again this representative was very insensitive and just continued to say your house was sold yesterday at the auction. Then I asked the representative to transfer me back to the Short Sale he stated he couldnt. So, I hung up and called back into the short sale department once again could not get answer as to how this can happen without them allowing me to pursue the options listed on the conditional approval? I then asked to speak with a Manager the representative then stated They are just going to tell you the same thing I said I then said again I would like a manager he put me on hold came back and said a manager was not available. But he would have one call me back, I then stated Im going to pursue legal action. XX/XX/2018 - I waited a few hours no call back from a Manager. I then called back to Short Sale and asked for the number for the Legel/Escalation Department, Representative provided me the phone number. XX/XX/2018 - I then called this department and spoke with XXXX, explained the entire situation again. I explained to her I was interested in either Short Sale or Deed in Lieu but I wasnt given the option because Carrington has allowed my house to go into auction. She was able to see the letter I received and she stated she was contacting another department to have it researched and would call me back. XX/XX/2018 - XXXX called me back and stated she was advised to ask me if I had a buyer? I advised her at that moment I dont but I do still want to pursue the options of either Short Sale or Deed in lieu of Foreclosure. She said well we are still researching my complaint and she would get back with me. XX/XX/2018 - XXXX called me back and said they would not be able to do Deed in Lieu or Short Sale and the House was auctioned on XX/XX/2018 and sold. Which again I explained and went round and round with her pointing out the fact that Carrington did not give me the time listed on the Conditional Approval letter of XX/XX/2018 to use either option. And proceeded to let my home go to auction on XX/XX/2018 which is prior to the date listed on the conditional approval. XX/XX/2018 - I Called XXXX back to ask some fact finding questions - Who is the Third Party that purchased my home? Carrington Mortgage Attorney Info? Where to send Correspondence? Does Carrington has an Executive Office? because at this time I explained to her Im pursing Legal action, since it seems like Carrington was not interested in the fact they didnt allow me the options listed on the Conditional Approval Letter. She stated that she escalated the issue again to her Manager and to give it a few days by XX/XX/2018 to hear back from either herself, her team lead or manager. Over this weekend XX/XX/2018 I received a 5 day notice on my front door from an Investor Company stating they purchased my home at the auction. I will be calling back in on Monday XX/XX/2018 to XXXX and advised at this time I will pursue legal action/lawsuit against Carrington to have the foreclosure rescinded/reversed based on the fact I was not provided either option when the Conditional Approval Letter clearly states to contact Carrington by XX/XX/2018 if interested in the options listed on the letter. Also, the fact that my home was placed in auction before XX/XX/2018 and now I have an investor attempting to proceed with an eviction notice. This practice is a wrongful foreclosure and all options were not exhausted.
06/05/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 170XX
Web
I want to first start by saying that the gentlemen I have worked with via email has been very polite and helpful. However, I feel like bad information has been given, setting off a snowball effect that now has me showing so late on my mortgage that I'll never be able to get additional credit and right now I am in desperate need of a car, that I can not purchase, due to Carrington 's reporting. I received COVID Forbearance on my FHA loan from XXXX. My first payment was to be on XX/XX/XXXX. The amount that was placed in forbearance was covered by an HAF grant, so I did not need to select any of the post-forbearance options at that time. I had started a partial claim application in XX/XX/XXXX but did not need to finish it once the HAF grant paid in XXXX. However, I knew before XX/XX/XXXX ever came around that I would have some trouble with the first payment. I had been XXXX due to " long haul '' XXXX symptoms and missed several weeks pay. I reached out to Carrington before I was ever late and asked what, if anything, I could do. I was trying to rebuild my credit and did not want to start out with mortgage lates. I was told over the phone there was nothing that could be done. Then on XX/XX/XXXX my loan rep emailed me and said my loan was late. I explained the situation and my hope that I'd be able to catch up. When I realized that I wasn't going to be able to catch up due to my smaller pay ( for the time off ) I reached out immediately and asked what could be done. I was told that absolutely nothing could be done until I was 30 days late and that if I want to file for a partial claim, I had to let myself go 30 days late. I didn't want to do so. But felt I had no other option. After I was 30 days late, I reached back out about the partial claim. I also asked about my credit, which had already been dinged for being late, even though I was instructed to let myself be 30 days late to get help. I was told then that I was " only 2 months '' due and that I could pay that and just skip the partial claim altogether, otherwise I'd keep getting credit dinged. When I tried to make just the XX/XX/XXXX payment in early XXXX I was told I had to pay both months, or nothing. I was not able to pay just XXXX. So I was forced to accept the partial claim tract. It took into XXXX before I was ever given paperwork to sign for the partial claim, meanwhile, XXXX, XXXX, and now XXXX have been reported as late while I wait on XXXX to provide the partial claim paperwork. I completed the paperwork with a notary ( at my expense ) and returned it. Carrington claimed they never received it via XXXX. Despite me using the label they provided. I was sent the documents again to sign in early XXXX, so now we're late for XXXX too. I signed the documents again at a notary, again at my expense, and mailed via XXXX label Carrington provided me. Once again, Carrington claims they were never received. The partial claim was then denied for not receiving the documents timely. So again I had to apply for the partial claim. Now we're into XXXX! So now XXXX is late on my credit. I get the documents from Carrington, again I pay the notary, again I XXXX them. FINALLY Carrington gets them. But at the same time they also get a request for information from PAHAF because I tried to get additional funds. I was told whichever presented first would be applied. They got my partial claim documents, but decided not to touch them until they heard more from PAHAF. PAHAF is insanely behind on applications and just last week let me know my request was denied. I forwarded that denial to Carrington and I have asked to just have the partial claim processed. So now we are in XXXX and XXXX will be late on my credit. That's 180 days late on my mortgage. My credit is now in the gutter. And all because Carrington was dragging their feet to do anything and refused to accept ANY payment after I was 30 days late, unless it was the FULL amount. I wasn't even allowed to pay XXXX and then make XXXX when I could, to try to reduce the number of months late. They complete erased my ability to make a payment on their website and calling reps got me nowhere. Additionally, they are continuously claiming my escrow is thousands in the hole ( it shouldn't be ) and raising my payment from {$1400.00} to {$1600.00}. When I asked if they would review my escrow with the partial claim I was told no. So to recap, my entire credit has been destroyed by Carrington because of their slow responses, advice to let myself go 30 days late, and refusal to accept a months payment unless I was paying EVERYTHING. There was never any hope for me to get caught back up. All I'm asking is that they finish processing the partial claim ( even though it had a start date of XX/XX/XXXX and I won't be allowed to make a payment on that date if it isn't ALL the past due ) and that the remove the late payments from my credit report. I don't feel I should be held responsible for them taking from XXXX to provide documentation for me to complete. Then continuously claiming not to receive something with the shipping labels they provided. And then holding my application for PAHAF funds. Add in the fact I couldn't have made a single payment if I wanted to because of their block? I feel it is completely unreasonable for them to continue to mark my profile late every month in light of these issues.
07/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 328XX
Web
To whom it may concern, I am writing this letter to ask for help with the situation I have been fighting for months now. I would like to start by saying that Ive always fulfilled my obligations under loans and have had an outstanding credit history for more than 25 years. In the months during Hurricane Irma, I was offered a Special Forbearance plan for my home and my land loan that were both serviced by XXXX XXXX XXXX. For the land loan, The Forbearance plan letter of approval was dated XX/XX/XXXX and stated that I was not required to make payments during the period of XXXX to XXXX. My forbearance was a result from a federally declared disaster and along with the arrangement for no required payments, or late charges would be incurred and would not be reported to the credit bureaus. During the first three months, we received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating that they will place the payments covered under the three month special forbearance into a non-interest bearing balance that I wouldnt have to repay until I pay off, refinance, or default on the loan. On a letter dated XX/XX/XXXX we were approved for an extension of the forbearance plan to cover for the months of XXXX to XXXX of XXXX. This would make the months covered under forbearance XX/XX/XXXX through XX/XX/XXXX. At the end of the Forbearance plan on XX/XX/XXXX I made a regular payment on this loan as instructed by my forbearance terms, to XXXX XXXX XXXX as agreed. XXXX XX/XX/XXXX, the same date, a loan modification application was sent to me which I was to fill out and return back to XXXX XXXX XXXX by XX/XX/XXXX. I received a notice shortly after that by XXXX XXXX XXXX stating that the servicing of my loan will transfer to Carrington Mortgage Services , LLC beginning XX/XX/XXXX. It also stated until that date the account will continue with XXXX XXXX XXXX until XX/XX/XXXX. I had returned the loan modification application back to XXXX XXXX XXXX signed XX/XX/XXXX and received by them on XX/XX/XXXX. On the next day, XX/XX/XXXX, a notice that the application was received and would be reviewed was provided. After phone calls to XXXX XXXX XXXX the loan modification was said to be sent to Carrington Mortgage for finalization and that payments were to resume with Carrington Mortgage. On XX/XX/XXXX Carrington Mortgage was still in the process of receiving the full account documents and I was told not to make any payments until all documents were transferred which would include any loan modification and forbearance arrangements. The loan paperwork was to be fully in Carrington Mortgage system on XX/XX/XXXX according to the conversations we had over the phone. During conversation with Carrington Mortgage loan department representatives I was told I was behind six months of payments and that if I didnt want to lose the land I needed to make a payment of {$2200.00} upfront and the next 3 months thereafter {$690.00}. I was confused at this and went back and forth with XXXX XXXX XXXX and Carrington to make sure that the paperwork of forbearance and loan modification was submitted to Carrington Mortgage. After more back and forth, Carrington Mortgage stated that they had made a payment plan for me to avoid me losing the land, I would have to follow through with payment plan. I was afraid of losing the land, although I didnt understand why they had not honored my forbearance plans and previous arrangements on this loan. On XX/XX/XXXX I made the payments to Carrington Mortgage for the amount of {$2200.00} in XX/XX/XXXX and {$690.00} on each month thereafter which included XXXX, XXXX, and XXXX of XXXX. During that time an offer to pay the loan for a lesser amount of {$70000.00} was offered to me and I sent the funds on XX/XX/XXXX. At the time I was not aware that I was considered delinquent on this loan or at risk of foreclosure. Following the months after that I began searching for financing to build my retirement home on the land that I have been planning for years, because of the necessary accommodations and accessibility that my built home will provide for my XXXX. It was for the first time made aware to me that XXXX XXXX XXXX and Carrington were reporting my loan is delinquent and late payments overdue for the six months that I was under Forbearance. In addition I was told that the land was considered a short sale after I agreed to pay the amount we agreed upon. Because of that lenders denied my mortgage loan application for new construction loan. I then began the process of disputing these claims with Carrington Mortgage, XXXX XXXX XXXX, and the credit bureaus. XXXX XXXX XXXX stated that they would attempt to resolve their records to the credit bureaus and also submit to Carrington Mortgage that this loan should never have been considered as delinquent because I was under forbearance for the months and that arrangements were in process. I recently received a letter from XXXX XXXX XXXX stated that the account is being reported as having no history of delinquency. This disputing process is currently still taking place as I have disputed numerous times with credit bureaus with no resolution because Carrington Mortgage refuses to provide any resolution to credit bureaus. Im asking for any assistance with resolving this matter.
04/30/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 077XX
Web
CFPB 2nd Complaint in response to Carrington Mortgage Services response to complaint dated XX/XX/XXXX, and supplement response by XXXX dated XX/XX/XXXX, sent by XXXX to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX at XXXX. Re : Loan # XXXX Case # XXXX Borrower : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX To Whom It May Concern at CFPB, I am filing a second complaint against Carrington Mortgage Services because of the response sent by XXXX XXXX to my lawyer and the CFPB being in a manner that is inconsistent with the truth and facts that are provable with evidence. The most disturbing of which is the claim made by XXXX that the fully executed and notarized modification dated XX/XX/XXXX was never received by XXXX. I still have the original instruction packet that was sent by XXXX that included the modification and XXXX return packaging, along with the XXXX receipt of package drop off at the XXXX, NJ, XXXX site with tracking number of the package. I called the customer service number, XXXX, entered my tracking number, XXXX, and received the information that my modification package was received by XXXX on Thursday, XXXX XXXX, XXXX at XXXX XXXX, signed by XXXX XXXX. A picture of the signed receipt may be obtained by CFPB if one visits the site fedex.com/tracking, and entering the above referenced tracking number. My lawyer, XXXX XXXX, also had his office send a registered and encrypted email that contained the fully executed and notarized modification package to XXXX Loss and Mitigation Dept. A fully executed copy of the modification was also sent to XXXX XXXX XXXX my HUD Certified Housing Counselor, who had written authorization from myself to work with XXXX on getting the modification and assisting in having the escrow repair money released to myself to finish the XXXX project. Finally, a fully executed modification package was sent to XXXX XXXX XXXX, Supervising Foreclosure & Litigation Attorney for XXXX XXXX, the lender that owns my loan. She needed the modification in order to dismiss the Motion to foreclose in XXXX XXXX XXXX XXXX in XXXX, NJ. XXXX XXXX notified XXXX that my property is flagged as owner occupied formally and therefore, XXXX should no longer be sending subcontractors to photograph or enter the premises unlawfully. It was also recommended that I post No Trespassing signs on the property because the subcontractors are prohibited from entering or proceeding on the property grounds if these signs are posted. XXXX XXXX has been made aware by email of every continuing subcontractor trespassing because XXXX continues to send orders out to subcontractors even though XXXX XXXX has ordered XXXX to stop. The property is protected my video surveillance and every trespasser is recorded and saved for evidence. I am a single woman that lives alone and I have been personally confronted in very aggressive manners by these subcontractors when I catch them trespassing. I have been charged in hostile aggressive stances, been yelled at to my face, threatened that I have no authority to ask them to leave, and only under threat of calling XXXX or police, do these contractors actually leave. This violates the quiet, peaceful enjoyment of living in my home by XXXX The final and most disturbing of all actions by XXXX is the recent return of my XX/XX/XXXX payment 11 days after XXXX received it. I was lucky enough to notice the returned payment the very next day in my account. I immediately sent it out again electronically, as I do every month since my modification was recorded in XXXX XXXX. It is my belief that XXXX did this to show I defaulted on paying the XXXX payment by 30 days so that they may proceed with pre-foreclosure actions. I have worked for various banks for over 24 years and I know for a fact that mortgage servicers NEVER return any payments sent in to pay a debt. They will hold them in escrow while information is sorted out if there is an issue. In conclusion, since the XXXX XXXX modification was recorded, XXXX has never sent a monthly statement to my home address. They continue to send all correspondence or communications to my lawyers office address at XXXX XXXX XXXX XXXX XXXX, NJ, XXXX. XXXX has also accused me of abandoning my property at XXXX XXXX XXXX in XXXX, NJ to live at my lawyers office address. It is beyond an intelligent persons rational thought process as to how XXXX, a loan servicer, and not the lender of my loan, is able to take it upon themselves to over reach and cause such havoc and disruption unlawfully, as well as, destroy my credit for falsely reporting misinformation, and disregard the information sent by XXXX XXXXXXXX XXXX XXXX as to the dismissal of the foreclosure complaint, receipt of the modification dated XXXX XXXX, and to stop sending out subcontractors because the property is owner occupied as far as the lender is concerned, and yet XXXX continues to do so. I will be submitting each separate issue as an individual complaint moving forward so that each issue is given the attention it deserves from the CFPB. Thank you for your immediate attention in this matter. If you need to request any email communications or legal documents for further review, do not hesitate to contact me. Sincerely, XXXX XXXX XXXX
12/27/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 356XX
Web
I am writing due to an error Carrington Mortgage has made on my account for the month of XXXX XXXX or XXXX XXXX ( depending on who you speak with at Carrington ) where they were paid but state they were not. Carrington Mortgage purchased my mortgage from XXXX in late XXXX XXXX and paying my mortgage has been a headache since then. I have spoken to customer service multiple times throughout the years regarding Carrington Mortgages determination that I am one month behind on my mortgage and have been for quite some time ( this has resulted in more than 1 letter of intent to foreclose sent to me, most recent one received only a few weeks ago ). I called about the last letter of intent to foreclose as soon as I received the letter and the customer service representative I spoke with said a payment had been received after the letter had been sent out & I was now only 1 month behind ( I am not ) and told me " not to worry about the letter ''. Huh? Just do n't worry about you guys stealing my home from underneath me?????? I do n't think so. In all of this time, I have never received an adequate explanation as to how I am behind when I have never missed a payment. Prior to last week, nobody at Carrington could even tell me the month I supposedly did n't pay. After speaking with a different customer service representative on XXXX/XXXX/XXXX, it was discovered that the payment made to Carrington Bank in the amount of {$560.00} on XXXX/XXXX/XXXX was never credited to my account although it was taken out of my account by Carrington. I faxed & emailed my issue to the Research Department ( per conversation with the above customer service representative ) on XXXX/XXXX/XXXX. But as I have been told that the research department has 30 days before they even have to look at the complaint, I took additional action because if past experience with Carrington is any indication, they will continue to send threats of foreclosure and state I never paid some imaginary month. I then contacted Carrington Mortgage Customer Advocacy Department by phone on XXXX/XXXX/XXXX as I want to make sure that this is corrected and at this point, after speaking with an extremely unpleasant " customer advocacy '' employee, I was told XXXX payment was never received. The advocacy line employee was very dismissive and condescending and the only advocating that was done was for his employer. When questioned why I am now being told something different than I was told last week, the employee just continued to tell me I did n't pay in XXXX. I was also told by customer advocacy that the research department does not accept calls when I asked for a phone number to contact them directly. I have attached evidence of the payments and would like for this to be corrected immediately as well as removal of any negative marks on my credit report as a result of Carringtons error. I have evidence of EVERY payment made to Carrington and have NOT missed a payment. I am beyond tired of being threatened with foreclosure, hit with additional fees and with wasting my time trying to get this company to fix this problem that they created. Calling them is a waste of time, emailing them is a waste of time and I personally have never dealt with such an inept company .I now pay them via bill pay with my bank because they charge a fee for paying mortgage online or by phone & I wouldnt trust mailing a payment to them to save my soul. I have also discovered at least 4 separate {$20.00} fees charged to my account for expenses due to being a month behind.such as property inspection. I would also like for those fees to be refunded. When this first became an issue, I assumed there was just a mistake but the more that I push for an explanation & attempt to get this solved ... ... .the more difficult Carrington Mortgage becomes. I had requested a detailed statement, after the last foreclosure letter, of every payment Carrington has received from me since they took over my loan, when each payment was received, etc so that I can see where the problem is. The papers they sent me are " gobbledygook '' for lack of a better term ... filled with abbreviations and acronyms and no layman could make sense of it. I have found them to be stalling me at every turn, never telling me the same thing twice, they have consistently made the simple act of just paying your monthly mortgage payment unbelievably difficult AND expensive ... .there is no way to pay your mortgage online or via phone without incurring additional charges ... .every request for paperwork or verification is met with ridiculous amounts of wait time. There is not even a way to actually SPEAK to the research department, which is where you are told to send all complaints about errors. I was literally told by the customer advocacy employee that " they do n't accept calls ''. I will not stop until this is resolved. But what about the customers who are unable to fight this? I firmly believe that Carrington Mortgage is the very definition of a predatory lender and needs to be investigated thoroughly. Paying your mortgage & having it applied correctly should not be a back breaking chore. I have had numerous mortgage companies in the past and have NEVER experienced anything like this.
03/27/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77355
Web
Today I received another call from a Carrington support representative stating that the documents I provided to show proof of residency were not sufficient, when yet two weeks ago, Virginia, another Carrington representative stating she was with the complaint center, stated that all of my documents sent were adequate. The representative I spoke with this time asked me to submit the same items that had been uploaded to the Carrington document portal again : utility bill and 4506 T form. After I explained that they were already there, she then checked and confirmed they were there and said the underwriter hasn't received a response from the IRS, so I need to provide my tax returns. I explained that I was given the option to provide my tax returns or submit the form 4506-T which I did because I didn't have my tax returns. At this point, she says that I should write a letter of explanation to Carrington stating that I don't have access to the 4506-T forms. Carrington has been very inconsistent throughout this entire process of submitting for assistance with Mortgage Assistance and the Loan Modification process. I am affected as well by COVID-19 and emailed Carrington per the request and submitted the online form on the main site, and as usual have still not received confirmation of submitting the requests. My issue that although Carrington pushes its clients to email and upload documents to their Loan portal, they aren't actively checking the documents that are posted. Each time someone calls me, there story and analysis of what's needed to move my case further is different and then, I am notified, once again that documents have not been received. I am writing a formal complaint to the TX Department of Savings and Mortgage Lending as well and have recorded all calls that have come from Carrington when I sue them for malpractice of resolving and helping its customers with Loan Modification goals. To top if off, I am now asked again, to send a cable bill and a letter of explanation that I don't have access to my Tax Returns, which once more, of course I don't ... I sent the 4506-T to supplement that.Additionally, I have recorded calls with the agents I have spoke with that have given me different story after story on where my file is in the process and the stories are always profoundly different. I will upload the " cable '' bill tonight and I was asked to call back in a week to check the status again, which I am continuing to record calls as this will be sent to the Office of the Attorney General and Legal counsel as well. -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wednesday, XX/XX/XXXX, XXXX XXXX CST Subject : Please Help Me - Fw : Mortgage Document Upload I am urgently writing for your time, consideration and attention to a matter going on behind the scenes with your company. I submitted my Mortgage Assistance documents to Carrington, timely, and the office closed my account, even though I have proof as seen in the attached items that my documents were submitted in time. The team assigned to assist me has been rude and not willing to go the extra mile to explain why even though my documents were submitted in time to have a loan modification made, they closed the account on XX/XX/XXXX, when I had my documents in by the XX/XX/XXXX at XXXX. Would someone please call me? I have never seen this before and it's quite embarrassing as I am a lender myself and didn't know that the Carrington Mortgage Assistance team would do such a thing as there's a trust factor that has been broken. In the past before my crisis, I paid my mortgage on time and even made more than the monthly payment. I am getting back on my feet and it's a struggle to be trying to work out a way to pay your mortgage and not getting help from the agents that are supposed to help you stay in your home if you are trying. I wanted to bring this all to your attention so that you would at least have an idea of what goes on behind the scenes in a company that you have invested time, money, your life into. When the Mortgage Assistance team kept saying that they had lost my documents and they weren't received, I sent them screenshots of my documents showing up in the same portal where they had received all of my other documentation in the past, and they kept coming up with more and more excuses, saying that my documents were not submitted on time, which the portal shows that they were. I really just need some help. Would you please help me get an affordable payment? Once I am reestablished, I will be working towards tripling the payments so I can get to the point of not having to have too much left on the mortgage at all. Even though I spoke with XXXX XXXX, a supervisor over the Mortgage Assistance team and she reassured me she would follow-up and help, she is no longer responding to my emails or calls? I am not trying to walk away from my mortgage, I am a hard worker and supporting XXXX children, I am fully capable of recovering from this crisis and just need some help and support to keep a roof over our heads. Thanks so much for your valuable time. Kindly,
10/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 92563
Web Older American
On XX/XX/XXXX, we were placed in a forbearance plan till XX/XX/XXXX ( see doc XXXX ) In XX/XX/XXXX or there abouts a partial claim was being worked out for modification for XXXX. My daughter contracted XXXX XXXX at the time and was in the XXXX XXXX XXXX. The modification paperwork could not be completed in the period needed. So partial claim was denied in XXXX. On XX/XX/XXXX, I called XXXX XXXX, explained the situation, and needed a solution to what we could do. The recommendation was to request an extension of the forbearance. It was noted in the file that I had requested the extension. But on that same day the loan was transferred over to Carrington mortgage Services on XX/XX/XXXX. See XXXX XXXX. I did not receive notice of transferring of service till XX/XX/XXXX There was no reason for me not to assume that I had an extension of my forbearance. I followed the procedure of the forbearance and after the sixth month, paid off the balance owed and proceeded to make payments again on XX/XX/XXXX. It should have been an easy transition with a reinstatement of the loan paying all the deferred payments in full. But it has become my worst nightmare for me as it has affected my ability to earn an income. Here is what happened. XXXXXXXX XXXX XXXX loss mitigation Dept. did not enter any notes of the request of the extension on XX/XX/XXXX, into the file when it transferred over to Carrington Mortgage Services on XX/XX/XXXX. ( Let me make not that it was a request for extension not approved yet because they no longer had the loan ) 2. Carrington Mortgage Services believed they had a loan that was already in default when it was transferred. XXXX. They send a written notice out XX/XX/XXXX Notice of intent to Foreclose. And several other notices on XX/XX/XXXX and XX/XX/XXXX. See doc XXXX XXXX. On or around XXXX of XXXX. Carrington Mortgage Services reported that my loan was Delinquent 180 days. See XXXX XXXX XXXX. The back payments from the forbearance were paid in full in XXXX and Payments were resumed as of XX/XX/XXXX These are my complaints. XXXX XXXX should have transferred the file with the notes that the file was in the process of forbearance extension. Carrington had no records of any conversations with XXXX XXXX, and it looked like I walked away with no communication with the lender. My daughter lives at the property so these notices sent out XXXX, XX/XX/XXXX and XX/XX/XXXX, I did not receive. My phone number is the main contact number on the loan. THEY MADE NO ATTEMPT TO CONTACT ME BY PHONE TO DISCUSS OPTIONS OF REPAYMENT PLANS ETC. They say they are under no obligation to call me. In XXXX, the California state legislature amended the state 's foreclosure rules. It added the requirement that lenders must contact borrowers at least 30 days before beginning the foreclosure process to inform them they are at threat of foreclosure and providing information to facilitate alternatives. This notice is referred to as a notice of intent to foreclose. Had they called me in XXXX, it would have been straightened out that I was in forbearance with XXXX XXXX, and I would not have a XXXX delinquency on my record which in view of lenders guidelines is a foreclosure. The next following documents you will see is back and forth communication with written qualified written requests and notification of errors. The first two letters dated XX/XX/XXXX XXXX. XXXX XXXX responds to my inquiry and says as of XX/XX/XXXX, your account is reported paid as agreed. This is dared XX/XX/XXXX. They transferred the loan XX/XX/XXXX. How can they make a statement if they have not serviced the loan since XXXX? XXXX. Response from Carrington Mortgage Services states upon review of documentation from prior servicer, a second extension was only through XX/XX/XXXX. Nowhere in any documentation does it say there was a second extension to XX/XX/XXXX. They never verified anything with XXXX XXXX XXXX Doc 5 ) I sent a third qualified written response out to both lenders on XX/XX/XXXX. Of which neither lender has responded to. ( XXXX XXXX ) No response Sent a letter to the CEO, owner, and managing director of XXXX XXXX XXXX XXXX on XX/XX/XXXX. No response ( doc 7 ) This is a typical case of servicers who do not care about reporting truth and accuracy. There would not have ruined my credit if the servicers would have had more accountability. For Carrington Mortgage to send three letters out without an attempt to make a phone call is a violation. If XXXX XXXX would have just reported the request for an extension, I would not have had this foreclosure on my credit The detrimental financial impact that this has created due to the fact I am a mortgage broker who after the Safe Act in XXXX can not have financial issues on their credit when managing of other peoples money. I have been denied three bonds from three different states which I am not able to have my license active anymore. This will have an on-going financial impact on my future earnings for at least 7 yrs. I am can only rely on your dept to uphold the accountability of servicers and their affiliates. Thank you XXXX XXXX
10/25/2019 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 178XX
Web Servicemember
In XXXX, I was approached by XXXX XXXX saying that my husband and I were perfect candidates for a refinance of our VA mortgage. Our interest rate is currently 5.65 % and they said that we would be able to refinance at 3.5 % interest bringing our payment from almost {$1600.00} a month down to {$900.00} before PITI. I made the gentleman, XXXX XXXX, aware that I am in the XXXX XXXX XXXX in settlements so I familiar with closing costs and such and he assured me that we would not have any out of pocket closing costs and that we would be able to close in 7-10 days with no payment due for 2 months. We had just purchased our home on XX/XX/2018 but Mr. XXXX waited until almost the end of XXXX to inform us that due to VA guidelines we were unable to close until XX/XX/XXXX because we had to own the home 210 days before we were able to refinance. This was after he told us not to pay our XXXX payment because he had the final payoff amount and it would mess up the amount. I immediately paid the XXXX payment and moved forward with our mortgager. ( With a late on my husbands credit ) In mid XXXX, Mr. XXXX began to approach us again saying that all we had to do was get the final paperwork because everything was done and we had the final clear to close so after the 26th we were going to be closed. This NEVER happened. Yet again, he said " don't make your mortgage payment because it will affect the final payoff ''. As I said before, I work in settlements so I know that once the bank has payoff they don't want any other payments so I listened to the broker. Every week, there was an excuse or no communication. We get to XXXX and I am looking at my home owners insurance policy where I notice that our policy amount has increased over {$10000.00} and the name of the mortgager is Carrington Mortgage. ( The new bank ) This was changed in XXXX which I came to find out in XXXX but was never corrected when they found out that we couldn't close on the mortgage. I asked XXXX in XXXX why this was the case and he never responded to me. He did however tell me again that we were going to be closing and that our XXXX and XXXX payments were going to be taken care of. Come XXXX and I find out that Carrington is still listed and we are still not closed on the refinance. I finally told XXXX to forget the refinance, I made XXXX 's payment once I found out that XXXX began the foreclosure process on our home and I spoke to my insurance provider and worked with them to get my original mortgager back on my home owners insurance policy as they were to be as of XXXX. I was also informed that if there were to be a fire or catastrophic event to our home, it would have had to go to litigation to determine who was the rightful mortgager on our home before any policy would be paid to repair the damages on our property. I made XXXX XXXX AND Carrington Mortgage aware of this IMMEDIATELY and told them that I was not only going to notify you but I was filing a complaint with the XXXX, the attorney general and consulting an attorney. XXXX XXXX, the Vice President of Operations for Carrington Mortgage called me personally and said that they only ever had an application for us and said that XXXX was conduction shady business practices and told me to file a complaint with you a month ago which I did. I have since found paperwork that we signed with Carrington that were rate lock papers AND received a denial letter from them right after I told them I didn't want the refinance anymore stating they couldn't give me a refinance because of an incomplete application. When I met with my attorney, he advised that I check my husbands credit score to see how the late payments affected my husbands credit. It dropped my husbands score almost 110 points. I emailed Carrington and XXXX and told them my out of pocket expenses and that they affected my husbands credit dramatically and set my house in to foreclosure and gave them 72 hours to contact me with what they were planning on doing to help us recoup our of pocket expenses. XXXX XXXX from XXXX XXXX called me and told me that he would give me a " Free '' refinance where he would guarantee that my husband would get a 3 % VA mortgage with Carrington and XXXX would get no payment or closing costs so that I would not complain to the CFPB or the VA about the less then honorable business practices. When I emailed him back the next day and told him that I didn't want a loan with Carrington and that I wasn't trying to get free money from anyone, all I wanted were my out pocket expenses he emailed me and told me I was trying to extort money from him and from XXXX XXXX. My husband and I were trying to refinance our home to get a lower interest rate. That's it. If were weren't eligible, they should have been honest and we would have stayed with our current lender. We had never been late before that. Now we have late payments and it looks like we can't pay our bills which isn't the case. These people shouldn't be allowed to do this to hardworking people who just want to stay in their homes. Please help us
07/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32526
Web
NOTE : This is a copy of the complain sent directly to Carrington Mortgage Services. To whom it may concern, I have previously written in regarding your reporting practices while I am participating in this loan modification program. Your response dated XX/XX/XXXX is not only inaccurate, its ignoring some incredibly important information. I highly question the capabilities of the person whom you entrusted to do this research because even the most basic of investigations would verify when I called in and when I paid, yet now you are requiring me to prove everything you already have. First point in contention : Your justification for reporting me to the credit bureau by referencing the initial agreement. The initial agreement states, Your credit score may be adversely affected by accepting the Trial Period Plan. It says your score MAY be affected. The word may alludes to the possibility that it may be affected but it also equally means that it may NOT be affected. It was never clearly stated that regardless of my on-time payments and abiding by your rules, you would still be reporting me. Your words, instead, lead one to believe there is a way to NOT have your account reported and there is a possibility it wont. That is a flat out lie and your terms should reflect that instead of giving false hope that credit wont be affected. Had I known that you were still going to report me late to the credit bureaus I would have never accepted this agreement. Why would I? I have been trying to repair my credit and was already nervous about my upcoming bills which is what prompted me to ask for assistance in the first place. I even stated as much on the phone to your rep who talked to me about what options I had back in XXXX. Your attempt to deflect culpability is not going to pass. Second point of contention : You stated in your response that no payments were recorded for XXXX or XXXX. I beg to differ. XX/XX/XXXX I spoke to a representative there at XXXX when I realized my mortgage was still showing as not paid. I discovered then, that my payment had gone up. I had already paid {$450.00} XX/XX/XXXX XXXX because my previous payment was {$440.00} and change ) so I was deficient by {$55.00} and change. I was told to make up the difference by XXXX XXXX to avoid late fees and reporting to the credit bureaus. I didnt have the money to do it at that moment but once my SSDI check hit my account at the end of the month ( XX/XX/XXXX ) I made a payment for {$560.00} which was posted to my bank account on XXXX XXXX, XXXX. That covered the amount I was deficient in XXXX, plus my XXXX payment. At the end of XXXX, I received the paperwork that I was accepted into the TPP and my payments would start XX/XX/XXXX. XX/XX/XXXX, I called into the call center to ask what my payment should be for XXXX since I had just sent back the documents for the program. I was instructed by your representative, that no payment was due. My program started XX/XX/XXXX, and that no payment could be taken because it could nullify my participation in the program if I made any additional payments ( that is also covered in your terms ). I attempted to pay in XXXX and was refused. LITERALLY REFUSED TO TAKE MY PAYMENT. XX/XX/XXXX, I called in and spoke to XXXX, and paid my first reduced payment, confirmation # XXXX. XXXX confirmed what I was told in XXXX about why I was not allowed to make my payment because my plan didnt start until XXXX. He said I needed to make my payments by phone while program. Thats TWO DIFFERENT CARRINGTON REPS TELLING ME TO NOT PAY XXXX PAYMENT. Please note, in my previous communication, I stated that I made my XXXX payment at the new payment amount plus extra to cover the difference on XX/XX/XXXX for {$560.00}. That was a typo and the date was actually XX/XX/XXXX. As I stated previously, this is a clear violation of terms that your company set out and its surely violating my rights as a consumer. I find it offensive that I am further required to provide documentation to prove my payments were made when you already have that information in your system and it was acknowledged by the Supervisor I spoke with today ( XX/XX/XXXX ). As of the date of this letter, I have already received the XXXX package with my final signatures and sent that back last week. Ive attached the proof you requested, from my bank showing my payments WERE made. I am also requesting ( again ) you amend my credit report immediately and REMOVE the late payments as I am not late. I have complied with your instructions. I have not retained an attorney yet, but I am taking steps to do so and will continue to proceed if you fail to comply with my request. Your company should be ashamed of taking advantage of your customers like this, especially in a time of need. I would like a full written response to my complaint so I know when this has been handled. Thank you. I am also sending this complaint the Consumer Financial Protection Bureau. Sincerely, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX, Fl XXXX XXXX
09/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77459
Web
Respected sir! Hope you find this in good health. I want to introduce myself, my name is XXXX XXXX. I know that you are familiar with the word corruption, but I dont think you know how much this disease has plagued many families dealing with Carrington Mortgage Services. My father XXXX XXXX XXXX passed away on XX/XX/XXXX. I called the mortgage on this same day to inform them that he passed away. I asked the representative what information do they need for them to speak with me about my fathers house. She proceeded to tell me they needed a death certificate and a letter showing I oversee his estate. When I received both documents I faxed the paperwork on XX/XX/XXXX at XXXX XXXX. I called on XX/XX/XXXX to make sure they received the paperwork. At which time the customer service rep told me, they had and would document the account. I received some paperwork in the mail about the reinstatement of the account. I called XX/XX/XXXX at XXXX XXXX ( central standard time ) and was forwarded to the lawyer on the case. He told me told me I had until XX/XX/XXXX, before anything was done on the account. Then he preceded to tell me to keep asking for a reinstatement to help give me time to make the payment. I called back on XX/XX/XXXX and asked for another reinstatement to be sent. When I didnt receive the second reinstatement, I called them again on XX/XX/XXXX. On XX/XX/XXXX, Carrington sent a regular monthly statement for the mortgage. I mailed a check for XXXX on XX/XX/XXXX at XXXX XXXX. I have a copy of the check that was sent to the mortgage company. Last Friday, XX/XX/XXXX, I wanted to send the mortgage payment to Carrington Mortgage Services for the total amount XXXX which included the XXXX dollars. I called four times to give the reference numbers for each transaction sent. The first call on XX/XX/XXXX was at XXXX XXXX ( central standard time ), in amount of XXXX dollars and that reference number is XXXX. I spoke the loan department to give them the reference number for the XXXX and was told who instructed to me to only pay XXXX. I told him this was the first call of many. The second transaction for XXXX with the reference number of XXXX and it was called in at XXXX XXXX ( central standard time ). The staff was completely non-cooperative with me, even after I sent he paperwork they asked for last XXXX. I called again before my brother and I made the last two payments through XXXX at XXXX XXXX ( central standard time ) and I was instructed by XXXX they can not accept payment over the phone. XXXX also told me, I was not on the account and I told him about the paperwork I faxed on XX/XX/XXXX at XXXX XXXX ( central standard time ), per their request. How can they speak to me about a reinstatement, but can not speak to me about payments being made? The third and fourth transaction was called in at XXXX XXXX ( central standard time ), the third payment was XXXX with a reference number of XXXX. Finally, the fourth payment was for XXXX with the reference number of XXXX. XXXX XXXX ( XXXX ), visited the house several times under the false pretenses that no one lived in the house. Which was false. My brother has lived in the house since XX/XX/XXXX. A lawyer called today, XX/XX/XXXX, named XXXX XXXX ( XXXX ), and wanted to give me the residuals of a sale no one knew took place. My dads house was never listed to be sold and we were not made aware that a sale would take place on XX/XX/XXXX. We never received any official documents about the house being foreclosed on, such as certified letter. XXXX XXXX ( XXXX ), came by the house today and told my brother he had to vacate the premises. My brother explained to him that we made the full payment on Friday, XX/XX/XXXX. He was very upset about being mislead about what was going on with the house. I called the mortgage company back after speaking to XXXX XXXX and spoke with XXXX. I explained the situation to him and he instructed me to ask for a conference call if they gave me the run around about what they did with the payment. I called at XXXX XXXX ( central standard time ), I spoke to another customer service rep who informed me that he did not have authority to speak to me because I was not on the account. Of course, they gave me the run around! I told him, XXXX ( XXXX ), told me to include him in a conference call. The rep became irate and screamed because I was not giving in. It was at this point, after several minutes on hold, I was transferred to XXXX another lawyer with Carrington. She told that me the payments were not received on Friday because of the holiday. Friday, XX/XX/XXXX, was not a holiday. Which was a lie!! I have proof of every payment and every call that was made or sent through XXXX on Friday. Please investigate the illegal sale of my Fathers house. My father sacrificed and worked hard for his house. It is a terrible injustice what Carrington Mortgage Services did to my family and it makes me wonder how many other families dreams of homeownership have been destroyed. XXXX XXXX XX/XX/XXXX
10/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • XXXXX
Web
I am directing this correspondence to you in order to resolve issues regarding our mortgage with Carrington Mortgage Services LLC. The following is a document showing the steps taken by us and by Carrington leading to the eventual Notice Of Trustees Sale. On XX/XX/2021, we submitted a completed Mortgage Assistance Application Form by fax. We note that the first page of the application form reads, We will acknowledge receipt of your application within five business days [ emphasis added ] and let you know if we need any additional information or documentation to complete your application. We responded to Carringtons request for additional records dated XX/XX/2021, by fax on XX/XX/2021. Included in the response were the requested pay stubs. We did not receive any further correspondence from Carrington within the five business day period or since, leading us to believe that our application had been deemed complete. On XX/XX/2021, we called Carrington Customer Service to verify their receipt of our completed application. The service representative indicated that it had been received and was complete and under review. According to the Mortgage Assistance Application, If your loan is delinquent, collection proceedings may continue up to and including any pending foreclosure action ; however, once we are in receipt of your complete loss mitigation application we will not initiate foreclosure action or proceed to foreclosure sale while we consider and evaluate your request. Carrington has failed to provide us with any additional correspondence regarding our application for mortgage assistance as of the date of this letter. On XX/XX/2021, I again called Carrington Mortgage Services at XXXX to talk with a Customer Service Representative. I asked about the status of our Mortgage Assistance Application and to make sure that the required documentation stated on the letter dated XX/XX/2021 was received. The representative informed me that the pay stub for my wife from her work wasnt legible and therefore our application was incomplete and had expired. Our review of the faxed document showed the document to be clearly legible. The representative also informed me that there were more documents still missing from our application, however, no written indication from Carrington of any such deficiency has been provided. The representative indicated that we should submit a completed Form 4506C, bank statements showing paycheck direct deposits from both my wife and me, and a clearer, more defined copy paystub from my wife 's work. The representative indicated that the instructions listing all of the required documentation on the Carrington Mortgage Assitance website have been removed. Carrington did not indicate that these documents were missing in the written request for additional records dated XX/XX/2021, and no subsequent correspondence has been received from Carrington Mortgage Services , LLC . We have made a good faith effort to submit all requested and required documentation in connection with our application for mortgage assistance. Carrington has failed to provide appropriate communication about application status and, according to their own representative, has failed to provide complete instructions on the application form. Carrington Mortgage stated which information was missing from our application. When that requested information was submitted on XX/XX/2021, our application should have been considered complete. Carrington was obligated to halt initiation of any foreclosure proceedings once in receipt of a complete application. Unfortunately, on the afternoon of the XX/XX/XXXX, a representative from XXXX XXXX XXXX XXXX XXXX posted a Notice Of Trustees Sale on our front door. We attached copies of our complete application materials ( previously submitted on XX/XX/2021, and XX/XX/2021 ) along with the newly requested documentation from my phone conversation with a Carrington representative on XX/XX/2021. A completed Form 4506C form was mailed by Certified Mail on XX/XX/2021. On Friday, XX/XX/XXXX, I called Carrington Mortgage Services , LLC to confirm that they had received our newly submitted application, along with all of the required documents. The representative informed me that our application had been reviewed on XX/XX/XXXX. However, the representative informed me that the date at the bottom of the Mortgage application was dated from XXXX and not XXXX the application was denied. At no point during any of the prior phone conversations did the representatives tell us we had to have a current date next to our signatures on that form. I asked him if we could please get that in writing, he said he couldn't. I confirmed with him to make sure that all we had to do was resubmit the application with it dated from XXXX along with the accompanying documents and I was told, " that's correct. '' With his confirmation and my mother as a witness, an updated application was emailed to Carrington Mortgage Services , LLC 's email address ; XXXX.
04/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • ME
  • 044XX
Web Servicemember
I have a VA Loan with Carrington Mortgage Services , LLC under the above referenced loan number and address. I am under a Loan Forbearance due to COVID through XX/XX/XXXX. Per documentation received, I was advised that I did not need to make payments during the forbearance period but would need to re-start making payments, beginning with the XX/XX/XXXX due date. I was further advised that I would need to make all Trial Period payments for three ( 3 ) months, XXXX, XXXX and XXXX to be eligible for a Loan Modification. Per the correspondence from Carrington Mortgage Services , LLC, I am eligible for a Permanent Loan Modification under the United States Department of Veterans Affairs Modification Program with Carrington Mortgage Services , LLC . This document, as provided, requires that I need to make my payments during this trial period before the end of each month in which the payment is scheduled to be made. The online payment history for my account at Carrington Mortgage Services , LLC verifies that the XXXX and XXXX payments were made by month end and I will make XXXX payment by the end of this month, per the agreement. I have an account with XXXX XXXX XXXX and was shocked to see that my credit score dropped significantly because Carrington Mortgage Services , LLC reported my XXXX payment as over sixty ( 60 ) days late AND that no XXXX payment was made and under violation of the CARES Act. Current reporting on my XXXX Credit Reporting page : Account Current CARRINGTON MORTGAGE SE has reported Positive Activity : Account Current. Financial XXXX XXXX, XXXX What happened? Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. Source : XXXX Company : CARRINGTON MORTGAGE XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Previous Status : LATE Current Status : ACCOUNT CURRENT Balance : {$140000.00} What now? If you haven't already, try instantly raising your FICO Score for free with XXXX XXXX Try XXXXXXXX XXXX You are receiving this alert because your membership includes XXXX credit monitoring & alerts. As reported on my XXXX Account Page : Score Decrease Your FICO Score has decreased by XXXX points. Financial ( This was due to a report of a payment 60 days past due with Carrington Mortgage Services , LLC XXXX XXXX XXXX, XXXXXXXX XXXX took this action in violation of the CARES Act and they are aware of my forbearance status yet unwilling to rectify their illegal reporting, CARRINGTON MORTGAGE SE {XXXX} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeVa Real Estate Loan Paid Off : 23 % Balance on XX/XX/XXXX, XXXXLoan Amount {XXXX} {XXXX} Payment Info StatusCurrent, was past due 60 days Status dateMar XXXX Past due amount- Original loan amount {XXXX} Monthly payment {XXXX Late payments XX/XX/XXXX XXXX XXXX -- -- -- -- - XXXX -- -- -- - On Time 60Days Late -Data Unavailable I have submitted all the information above to Carrington 's Consumer Research Dept. via fax. They confirm that I am under forbearance yet are unwilling to rectify the situation which is clearly a violation of the Law under the CARES Act. Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act. The Bureau remains committed to vigorously enforcing all consumer financial protection laws under its jurisdiction, including the FCRA. As noted in the Bureaus Statement, the Bureau will consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with statutory and regulatory obligations as soon as possible. The Bureau will, however, not hesitate to take public enforcement action when appropriate against companies or individuals that violate the FCRA or any other law under its jurisdiction. Carrington Mortgage Services violated the Law under the Cares Act by reporting my payments as delinquent and later changed their report to my account being current. XXXX violated the Law under the Cares Act and downgraded my rating based upon the reporting of delinquencies that are disallowed under the Cares Act. I have contacted both groups and while they recognize the facts and the Law under the CARES Act, both refuse to correct this error. I am asking for enforcement of the CARES Act and that appropriate action be taken against Carrington Mortgage Services , LLC and XXXX
08/27/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 23505
Web
My complaint is with my current mortgage lender Carrington Mortgage. I have tried to work out a payment arrangement because I am not eligible for Loss Mitigation Request. My original loss mitigation request was granted last year in XX/XX/XXXX. I was on a trial payment for 4 months and the Loss Mitigation was granted XX/XX/XXXX. Unfortunately, I became ill from a chronic illness that I have been battling with. I was hospitalized and had to go for treatment on an outpatient basis. During this time, I was upside down with online pay advance lenders and the lenders were deducting their fees from my paycheck. Carrington Mortgage had a representative come to my home in XX/XX/XXXX to advise me to apply for another Loss Mitigation request so I could catch up with my mortgage payments. The first application I submitted was in XX/XX/XXXX, it was denied because I was missing information that was needed for the underwriters to review. I applied again, submitted my papers in XX/XX/XXXX. This time I included both of my sons on the application to show that we were able to make the back mortgage payments within a reasonable time period. XX/XX/XXXX, I had emergency XXXX and was hospitalized for a few days, during that time under heavy medication, I received a call from the Loss Mitigation Department.. a few hours after I was out of recovery and was told that Carrington could not use my youngest sons information because he did not have any bank statements, even though he is paid every week by check. I was giving a deadline of XX/XX/XXXX to provide proof that the {$200.00} he was paying me once a month was deposited into my account. I was released from the hospital and out of work for 5 weeks. I contacted Carrington Mortgage and was told that it would be better that I removed my youngest son as an additional applicant so the application could be processed. I was seeking a payment plan to pay the arrearage and current mortgage. The Loss Mitigation Department denied my request because of my oldest son and my debt to income ratio that included my student loans, medical bills and car payment. I submitted my younger sons paystubs and it was never processed. I was told by the representative that the paperwork was not received by the deadline. I disputed this over the phone and another representative located the paperwork that was emailed 1 day before the deadline. XX/XX/XXXX, I asked that the decision be appealed because the debt to income and payment of arrearage mortgage and current mortgage could have been paid within 6 months if my youngest son 's income was included. I was told that I had to complete another application and in XXXX we were denied again because Carrington Mortgage stated that FHA guidelines would only allow us to catch up 6 months of back and current mortgage. I explained that I could make payments arrangements with my student loan which appeared to be the largest debt. Again I appealed this decision XX/XX/XXXX and was denied. I applied again XX/XX/XXXX and was asked for additional information for both of my sons, this time I provided them with my youngest son 's XXXX account. Additional information was requested and sent on XX/XX/XXXX. Then on XX/XX/XXXX, I was involved in a serious car accident, hit by a driver who was under the influence driving a company 's truck, the other worker who was the passenger died at the scene of this accident. I contacted Carrington Mortgage on XX/XX/XXXX and was told to provide a copy of my insurance who totaled the vehicle out. I also provided information regarding my GAP insurance. I was denied again because now it is nearly impossible to pay the back mortgage and current mortgage within the 6 month time frame that according to Carrington Mortgage FHA will only allow us to pay back mortgage and the current mortgage within a 6 month time frame. I applied for Loss Mitigation again XX/XX/XXXX, explaining my debt to income ratio no longer includes a car payment. Also as a XXXX worker, I can pay a discounted monthly rate towards my student loan. and again explaining that my online loans were settled. and again I was denied for a payment plan. I have lived in my home since XX/XX/XXXX and my family and I do not have anywhere to go! As stated with all of my appeals and refilling for Loss Mitigation assistance if Carrington Mortgage processed my youngest sons income back in XXXX, we would have been able to pay the back mortgage and current mortgage within the 6 month time frame. Instead we are being penalized because the paperwork was not processed nor were we advised properly as to include my youngest son as an additional applicant in XX/XX/XXXX. I understand that I am the one who fell behind in with my mortgage and it is my fault however I want to be able to keep my home and I understand that I am responsible for all outstanding mortgage payments. I filed Bankruptcy in XXXX and decided to keep my home so I do understand my obligation. Please let me know what I can do to save my home.
04/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
Web Older American
Historical Synopsis During the Pandemic in XXXX, my monthly payment increase approximately {$56.00} in XXXX and then increased again to {$130.00} in XXXX ( Escrow calculations ). Thus in XX/XX/XXXX, I disputed the Escrow calculations to XXXX and I started paying Principal and Interest only. The Principal and Interest was accepted as payment by XXXX throughout the rest of XXXX. However, XXXX returned the XX/XX/XXXX Principal and Interest payment stating, Total Amount Due is Required in Certified Funds. I tried to pay the Principal and Interest again in XX/XX/XXXX, and that payment was returned to me with a letter stating, The reference loan is in foreclosure and specific approved payment arrangements have not been made... Therefore, I made CFPB Complaint # XXXX. XXXX XXXX was given XX/XX/XXXX, and my Feedback was given XX/XX/XXXX. From approximately XXXX to XX/XX/XXXX, I received threatening monthly Trustee Sale Notices that produced extreme anxiety ( of note : I am XXXX senior widow with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX with outstanding medical debt ). Thereafter I requested and applied for Hardship Assistance, with XXXX confirming application Completion in XX/XX/XXXX. However, XXXX then indicated the Hardship Application was not complete due to incomplete IRS Form ( not relevant to me, I didnt have to file income tax. I showed that fact to XXXX more than once, only low income Social Security ). I believe XXXX used pretext as a reason to not process the application. After back and forth, XXXX finally offered a TPP. I wrote to XXXX outlining my concerns with the TPP in XX/XX/XXXX, but received no response from XXXX. Thus, I made another CFBP Complaint # XXXX. Company Response was given XX/XX/XXXX. My Feedback was given XX/XX/XXXX. After CFBP Complaint # XXXX, XXXX offered me another TPP in XXXX, XXXX. Since CFPB closed the complaint with no action other than being a go-between, I had no option under threat of foreclosure but to gamble with the latest TPP offer. I made the TPP payment ( s ) as required, only to be WAYLAID in the end by XXXX! Adding insult to injury, XXXX XXXX XXXX requires a XXXX XXXX XXXX of {$100000.00}! This Balloon Payment is more than the Prior Principal Balance of {$86000.00}! So let me get this right, I diligently and in good faith pay monthly mortgage payments until the maturity date in XXXX, to then pay a Balloon Payment thats more than prior balance and what the house is worth!?! Shown below are the unconscionable Final Loan Modification terms. Simply put, this is legalized extortion ( I would have made chart but I dont think CFPB data input function allows it ). Current Loan Terms : Interest Rate 4.0, P & I Payment {$430.00}, Escrow {$230.00}, Total Monthly Payment {$660.00}, Contractual Due Date XX/XX/XXXX, Principal Balance {$86000.00}, Prior Deferred Principal {$25000.00}, Prior Total Principal Balance {$110000.00} Modified Loan Terms : Interest Rate 4.5, P & I {$250.00}, Escrow {$160.00}, Total Monthly Payment {$610.00}, 1st Payment Due Date XX/XX/XXXX, Unpaid Amount {$39000.00}, New Principal Balance {$98000.00}, New Deferred Principal {$27000.00}, New Total Principal Balance {$120000.00}, Final Balloon Payment {$100000.00}. Id like to know how XXXX is calculating Unpaid Amount of {$39000.00}. According to the Monthly Mortgage Statement due date XX/XX/XXXX, the amount to bring the loan current is {$17000.00} ( and even that amount includes all sorts of added charges and fees ). According to my calculations, I owe {$12000.00} ( Monthly Mortgage Statement Regular Monthly Payment Amounts from XX/XX/XXXX to XX/XX/XXXX P & I, I paid from XX/XX/XXXX to XX/XX/XXXX ). I have all the Monthly Mortgage Statements and I did the Math. So, {$17000.00} - {$12000.00} = {$4300.00} is an extra amount of charges and fees above the regular payment amount, but {$39000.00} - {$12000.00} = {$26000.00} is quite literally, fleecing a poor XXXX senior citizen. Heck, even XXXX knows how appalling these terms are by providing in capitalized and bold print on the Final Balloon Payment Disclosure a disclaimer stating. DO NOT SIGN ANY LOAN DOCUMENTS IF YOU HAVE ANY OUTSTANDING QUESTIONS ABOUT YOUR LOAN PAYMENTS OR THIS BALLON PAYMENT DISCLOSURE. Further and almost laughable if it werent so stressing, XXXX has the audacity to WRITE OFF a paltry {$65.00}, in Letter H of the Acknowledgement and Preconditions to Modifications. Moreover, XXXX gave me less than 15 days to make this overwhelming Final Loan Modification decision. Hardly time to find a lawyer or contact any other needed resources. Then theyll start Trustee Sale harassment ( s ) again, add more outrageous fees and charges ( in fact they already have a predetermined Trustee Sale date for XX/XX/XXXX, even before this process is completed ). I can provide CFPB copies of the Monthly Mortgage Statements, prior P & I check payments, Prior Loan Modification Terms and Current Final Loan Modification Agreement Terms, if needed.
03/31/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
*** CAN NOT UPDATE COVID PLAN*** Carrington Mortgage Servicing is the company. This loan is a USDA loan, paid for at inception and good for the life of the loan. It is clearly listed in the HUD closing documents. Carrington aquired this loan and has been denying that fact. 1 year ago they lied to our lawyer and said the loan was not USDA and we did not qualify for any covid protections - we have that in writing. We also tried to streamline refi and they kept telling the loan lady it was NOT USDA. The covid page on their website DOES list it as USDA and that was the only way we were able to get it the covid protections. We also kept making payments but in XXXX ( month XXXX ) they refused to accept any more payments. They kept saying, " If you can pay, you don't need the covid protections ''. They have listed on the monthly statement " You are currently on a Covid-19 Forbearance plan '' outlining all the things they can not do, including " no foreclosure action during the covid-19 forbearance period. DIRECTLY below that is " Please take notice that Carrington Mortgage, LLC has made the first notice or filing required to start a foreclosure ''. Now, I must make a decision on what we want to do when our protections expire- today. I have been trying to update it for a week. There are several issues : 1- WEB ACCESS RESTRICTED I have been trying to update Carrington but the " online covid update '' link is not active on my account. Since the last update in XXXX, where the " update covid '' button was is " We have received your update and will have a written response within 7 days. '' All covid notices direct to the online account to update because " call volumes are heavy ''. 2- PHONE ACCESS IS NEARLY IMPOSSIBLE Carrington will only allow me to speak to a certain department with very limited hours. 3- USDA FORBEARANCE INFO for guaranteed loans is short and simple. It is on their website and CARRINGTON HAS IT ON THEIR WEBSITE under " How we can help ''. " Upon completion of a forbearance period, if the homeowner can resume making regular payments, they will be offered either a reamoritization to incorporate the cost of the missed payments into the remaining monthly mortgage payments or a term extension to defer any missed payments to the end of the loan. If the homeowner is unable to resume making regular payments, they will be evaluated for all available assistance options, including term extensions, capitalization, and a mortgage recovery advance. '' Since the start Carrington has given only 3 options- full reinstatement, full payment in 3 monthly payments and submit a FULL modification packet. THESE ARE CLEARLY NOT THE USDA OPTIONS so, Carrington is trying to deny us the USDA protections we paid for. 4- FORBEARANCE REQUESTED XX/XX/XXXX ( verified on document from Carrington ), online shows XXXX. 5- ANY WORKOUT DENIED In XX/XX/XXXX we turned in a completed mortgage assistance package to Carrington . They came back in 8 business days to say, " We've decided you can not repay the arrearages in 6 months so your only option is to liquidate. '' In case Carrington is trying to keep us from updating our covid plan- in violation of USDA rules and all the covid forbearance rules- Today, XX/XX/XXXX We are updating our covid-19 forbearance plan to the following : Question- Can we resume regular monthly payments? Yes, we can resume NORMAL monthly payments Now Carrington needs to offer us either : A reamoritization to incorporate the cost of the missed payments into the remaining monthly mortgage payments or a term extension to defer any missed payments to the end of the loan. Making note of " they WILL BE offered '' in the USDA text. As soon as we entered forbearance, Carrington did ANOTHER escrow analysis. Our monthly should be under {$800.00}. Carrington doubled it so the " current '' payment is {$800.00} higher than the " regular '' payment. That should be handled as a covid balance- NOT A REGULAR payment. USDA website is very clear about wanting the guaranteed loan people to STAY IN THEIR HOMES IF THEY CAN AFFORD THE REGULAR MONTHLY PAYMENTS. We can. We also have a packet into The California Mortgage Relief Program that was marked as complete and submitted on XX/XX/XXXX. They have contacted Carrington and was added to the 3rd party contacts by Carrington on XX/XX/XXXX. The file is listed today as In review and awaiting info from servicers. The hardship letter in that file also states " We can do well ( as we had ) with the current mortgage payment. '' The link to the CA mortgage help WAS NOT added to my main screen until XX/XX/XXXX when the CA Mtg program contacted Carrington. So clearly, resuming paying the loan is our intention. Carrington 's intentions are to not let us do that. *Please note : we have all documents, screenshots almost daily going back more than a year, as well as having all conversations with Carrington recorded BY ME as well as them.
03/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NH
  • 030XX
Web
1.XXXX XXXX XXXXXXXX sold our mortgage to Carrington Mortgage Services in XXXX of XXXX. In the process of the transfer the escrow was transferred with an incorrect amount. Neither XXXX or CMS wanted to take responsibility and this ultimately resulted in us having to hire an attorney. We also had to file for XXXX XXXX bankruptcy ( because CMS would not accept payments during this time, they wanted the difference in money for the escrow that was incorrectly posted ). We were granted a loan modification even though we were not at fault we had to go through the motions. This process took just over 2 years. Two years of anxiety and fear that was completely not necessary. 2.In XXXXXXXX XXXX lost her job and we immediately contacted CMS and notified them. We did not want to have to go through that process again, but we did. We had to file XXXX XXXXXXXX. We settled with a loan modification and the bankruptcy was dismissed. This was under legit circumstances. 3.XXXX XXXX we applied to refinance our mortgage with money back to make repairs and updates to our home. The rates were low and our equity was high and our payment history was good The mortgage company that we applied to denied us because our mortgage did not show on any of the 3 major credit bureaus, XXXX XXXX, XXXX or XXXX. We then tried to refinance with CMS and they themselves would not refinance our mortgage because they themselves did not report our mortgage to the 3 major credit bureaus. CMS stated that we needed to reaffirm our mortgage from the bankruptcy in XXXX. This is not the case. Reaffirmation is for XXXX XXXX not XXXX and our bankruptcy was dismissed, so no reaffirmation was needed. We had to jump through hoops with CMS. They said they would refinance us if we could get nontraditional credit applied to our credit reports ( when asked what is nontraditional credit, we were told for example utilities, auto insurance, etc. ) Instead of CMS just simply posting all of our payments we had to go through an arduous process. We contacted all 3 bureaus to find out how to do this. All three said that they do not put nontraditional credit on reports. Then CMS stated to get a years worth of payments from nontraditional entities to prove our credit worthiness. We got XXXX, XXXX XXXX and XXXX payment statements to them. We then sent letters and copies of our bank statements with our mortgage payments highlighted and circled to XXXX, XXXX and XXXX ( ccd CMS ) asking them to update our reports with the mortgage payments. XXXX XXXX replied stating that they couldnt update our report because CMS was not even on our report to update. During this time we were made to believe we were being refinanced if we did all this work, so we held our payments thinking we would be signing papers. Once again we were forced to apply for a modification because we fell behind. On XX/XX/XXXX we were notified by mail that we were eligible for a loan modification and to begin our XXXX We were told we would hear something before our last payment of the 3 payment series. We never received any confirmation or denial letters from CMS. We called in to CMS and were told that a packet was mailed. We NEVER received this packet. I clearly made the CMS representative aware of this. We made our regular payment on XX/XX/XXXX. Still no notification. XX/XX/XXXX we called in to CMS to make our monthly payment and we were told that CMS could not accept our payment and that our mortgage has been sent to the foreclosure department. XX/XX/XXXX called in again, spoke to XXXX, she again told us that she could not accept our payment that our house was in foreclosure. What CMS did here was DUAL TRACKING According to Subpart C 12 cfr 1024.30 et seq section 1024.421 : Law prohibits a servicer from foreclosing on a borrower while also working on a loan modification agreement or other alternative to foreclosure. We were clearly in a XXXX and CMS put our mortgage into foreclosure. Meanwhile, this is all happening in conjunction with CMS NEVER reporting our mortgage payments to the 3 major credit bureaus causing us to miss an opportunity to refinance our mortgage loan with another mortgage provider ( or even with CMS ). We had to obtain an attorney once again. This behavior from CMS is completely unacceptable. Not only did we not get refinanced because of their mistake, insisting we need to reaffirm our mortgage, we have to spend money on attorney fees again. We have every piece of correspondence received or sent. Every phone call made, we have times, dates and names of the representatives we spoke to. Also, have every email sent and received between us and CMS. We want CMS to be held accountable for all the anxiety, fear and frustration they have caused to myself and my family. The strain this puts on a person is reprehensible. I have to go each day sick with worrying. Please help us to hold CMS accountable for their actions. Thank you,
09/14/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92571
Web
Dear CFPB, Recent communication XX/XX/XXXX : I have been writing letters and making phone calls to resolve this issue. Today, I spoke with XXXX/ Sr Rep. # XXXX and XXXX/Corporate Mgr and still I was unable to get a resolution. XXXX reviewed my issue and call me back on XX/XX/XXXX. Her finding was a payment was applied to the principal in XXXX, therefore causing the account go into past due status. XXXX stated she wasnt sure if the company go back to XXXX make the correction. I replied that Carrington need make the necessary correction to the account. I want the account to be corrected, no late fees, and a letter sent to all credit reporting agencies correcting my credit score. She asks for 2 days, XX/XX/XXXX and she will call back with information regarding my request. I have no received a call as of today XX/XX/XXXX. I started writing Carrinton Mortgage Services, LLC in XX/XX/XXXX regarding the change in Escrow assessment increase effective XX/XX/XXXX ; I have been having a problem with Carrington. I want to refine and I am unable to do so because of my credit score changing from XXXX to XXXX. I have attached the Dispute package submitted to Carrington and I have not received an acknowledgement letter of receipt nor a resolution letter. XXXX Letter XX/XX/XXXX Dear Mortgage Company, I am writing to inform Carrington Mortgage Services , LLC, I will be assuming the responsibility of paying my home insurance and property taxes in 30 days ; effective XX/XX/XXXX. The reason due to multiple payment change XXXX decrease and/or increase ). I received a letter in XXXX informing me that my payment will decrease. In XXXX, I did not receive a letter. After, I received a call from Carrington, I when online to retrieve the letter and I was unable to do so. My account was assessed twice in a year. I am asking Carrington to please waive late charges in the amount of {$95.00}. I have enclosed a check for {$310.00} which includes the increase amount and late fees. Please review my accounting below : Month Paid Amt Monthly Increase Amt. Late Amt Due XXXX {$1900.00} {$55.00} $ XXXX XXXX ) {$55.00} XXXX {$1900.00} {$55.00} $ XXXX XXXX ) {$55.00} XXXX {$1900.00} {$55.00} {$47.00} {$100.00} XXXX {$1900.00} {$55.00} {$47.00} {$100.00} XXXX {$1900.00} Total {$9700.00} {$220.00} {$95.00} {$310.00} XXXX Letter XX/XX/XXXX Dear Mortgage Company, After multiple phone calls without any resolution, I am writing again for assistance with my mortgage account. Each phone call with a different representative it seems that 2 of multiple calls were able to provide additional information to find gain resolution regarding the issue with my account. I have attached a copy of the letter mailed on XX/XX/XXXX, and you would see my accounting. I also attached my bank mortgage payment history. Please review and update my account with the necessary corrections/adjustments. Month Paid Amt Monthly Increase Amt. Late Amt Due Delivery Date/Paid XXXX {$1900.00} {$55.00} ( {$47.00} ) {$55.00} XXXX {$1900.00} {$55.00} ( {$47.00} ) {$55.00} XX/XX/XXXX XXXX {$1900.00} {$55.00} {$47.00} {$100.00} XX/XX/XXXX XXXX {$1900.00} {$55.00} {$47.00} {$100.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$55.00} XX/XX/XXXX XXXX * {$310.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX Total {$15000.00} {$220.00} {$95.00} {$310.00} 3rd Letter Dated XX/XX/XXXX Dear Mortgage Company, Once again, I am writing another letter disputing charges and the mishandling the posting of my mortgage payment. The first dispute letter dated XX/XX/XXXX, I am yet to receive a response too. I have called and returned calls and still I havent gotten a resolution to the issue I stated in the beginning of this letter. In preparing letters I have reviewed the statements received showing that I am past due. According to my bank every payment has been paid. There are multiple payments made and yet to be applied correctly. I have yet to see payments applied where the will show a past due status. Since the sale of my loan to Carrington has had nothing problems. Now my credit score has gone from XXXX to XXXX, because of the mishandling of my payments. I have called and received calls and yet no one seems to have the ability or experience to resolve the issue. I didnt have any problems with XXXX. After reviewing Carrington posting history my payment seems to be all over the place. As I following the fund received there are funds in the suspense column with each payments posted. I would a written explanation. I have also included my bank account printout of payments issued and the date processed ; and all letters and confirmations submitted to reconcile the account. I will be sending a copy all letters to file a formal complaint to all regulatory agencies ; who will investigate Carrington Mortgage Services , LLC and your practices. Thank you, XXXX XXXX
05/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 99403
Web Older American, Servicemember
We have tried multiple times with Carrington to fix our mortgage issues. We have done everything they have asked of us, yet once we do they turn us down and tell us the best thing to do is a Deed in Lieu. We had {$120000.00} ( according to their BPO they think the amount is {$220000.00} ) in equity when they took over for XXXX, but now have less than {$50000.00} ( according to their BPO they think there is {$150000.00} ) in equity because they have refused payments and continued to run up late fees and foreclosure fees. Our issues began immediately after Carrington Mortgage Servicers took over the loan servicing from XXXX. Servicers were changed because our loan was with XXXX XXXX XXXX and sold to XXXX XXXX. The date our issues regarding this complaint and response to the first complaint began in XX/XX/XXXX and continue to date ; the scheduled auction date is this coming Friday, XX/XX/XXXX. In late XXXX, early XXXX, of XXXX I lost my sight in less than 4 hours. My husband, XXXX XXXX ( XXXX ), eventually contacted XXXX and discussed the possibility of getting a medical forbearance since I had to have several medical tests and see numerous specialists to help save my XXXX. As far as we knew XXXX was reviewing the application when the servicers and investors changed and Carrington became the servicers. Our problems include, but are not limited to ; Duel Tracking by Carrington, refusal to communicate with both borrowers claiming they only have to speak or respond to " the breadwinner '' XXXX and refuse to communicate in any manner with me, XXXX, failure to provide documentation or accurate documentation when requested and with their response to the previous complaint, failure to give the borrowers ample time needed to respond to their decisions involving loan modifications noted on the Exhibits is one decision where the respondent admits there were less than 2 hours between the decision and proceeding with foreclosure and not notifying the borrowers prior to proceeding with foreclosure, several times telling us they will allow a modification if they did what was suggested in each conversation then once completed deny the modification, then telling the us if they would give the modification if we would do something else only to deny it again once the task was completed a blatant run around that lasted until the HARP/HAMP programs ended and started foreclosure the following month after these programs ended. Carrington has repeatedly refused to offer several options that should have been and are available to us and in every conversation, I am told we are allowed only an auction or a Deed in Lieu, no offers to buy would be allowed or reviewed. ( The only time I could talk to anyone was when I answered the phone. ) NOTE : They claimed we didn't have enough income to pay the payments and told my husband I had to file for early SSI so they could accept the loan modification. Filing for SSI limits the amount of money I can make now and in the future and is smaller than it would have been had I been allowed to wait until I was ready to retire in ten years. Once we receive the award letter from SS it was sent to Carrington and we were turned down instead of being approved like they said we would. They then told us that they would continue to refuse to accept our payments so what we were told to do was to pay off all of our debt with that money and we would qualify for the loan modification. Once that was done we provided the information to Carrington and again were told we would no longer qualify. Then they insisted in XXXX that we provide proof of two months checks, two years of tax returns which had to include the proceeding year even though our 1099 's and W-2 's were not ready or required to be sent out and it was not possible. They responded back to us that we " failed to provide requested information '', information that was not possible to provide at that time. After I filed my complaint with the Consumer Financial Protection Bureau, they refused to put the foreclosure on hold while they reviewed and responded to the complaint. In fact, I answered several calls in which they would only talk to XXXX and all communication involving the complaint was emailed to my husband, XXXX, and never to me, the complainant. In fact, I didnt know for some time that they had even responded to the complaint and had to fight to get into the CFPB site to find the complaint and the response so I could review it for accuracy. I found several questionable items and references in their response and their exhibits are referenced but incomplete or missing several important pages. For your information I have numbered all their documents exactly in the order they provided them to you and us ; they are marked Exhibit # 1, 2, 3, etc. The main body of the response has each paragraph numbered so they can be easily referred to when noted in the new complaint.
04/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35805
Web
Carrington Mortgage Services ( CMS ) has placed erroneously negative, inaccurate and incorrect information on my credit files with XXXX, XXXX and XXXX, which is preventing me from obtaining a home loan. I was unaware of this inaccuracy until informed of the same by my new lender on Friday, XX/XX/XXXX. I called the CMS customer service line ( XXXX ) to inquire of the same, and spoke with someone who informed her that I had been more than thirty ( 30 ) days late on my XXXX, XXXX, and XXXX, XXXX mortgage payments, and stating I never even made a XXXX, XXXX payment. As evidenced by my XXXX XXXX account statementsit is clearly evident that I made the following payments, none of which were more than thirty ( 30 ) days late : XX/XX/XXXX Payment Paid XX/XX/XXXX {$1300.00} ( L/C Included ) XX/XX/XXXX Payment Paid XX/XX/XXXX XXXX ( L/C Included ) XX/XX/XXXX Payment Paid XX/XX/XXXX XXXX XX/XX/XXXX Payment Paid XX/XX/XXXX XXXX ( L/C Included ) XX/XX/XXXX Payment Paid XX/XX/XXXX XXXX CMS claims I did not even make a XXXX, XXXX payment and that myXX/XX/XXXX payment was more than thirty ( 30 ) days late. According to my bank statements, I clearly made a XXXX, XXXX payment and my XXXX, XXXX payment/payoff was not late as the payoff of my mortgage, in the amount of {$180000.00}, was WIRED from my attorney 's escrow account on the day I closed on the sale of my home, i.e. XX/XX/XXXX. CMS erroneously reported negative, inaccurate and incorrect information on my credit bureau accounts, and has already caused me to lose a home on which I wanted to offer a contract. CMS also reported an inaccurate and incorrect 30-day late mortgage payment against my credit in XXXX, for which I had to waste my time, energy and effort at that point in providing CMS with documented evidence that I had NOT made a late payment. CMS immediately corrected the same on my credit report. I pulled my credit report again today, XX/XX/XXXX, and it now greatly differs from the credit report pulled on XX/XX/XXXX, in that on XX/XX/XXXX, XXXX reported that I was made five 30-day late payments in XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. According to the XX/XX/XXXXreport I pulled today, CMS has changed their tune ( since my attorney 's letters to them on XX/XX/XXXX and XX/XX/XXXX, and since CMS 's response to said letters ) and have changed their reporting to show on XX/XX/XXXX that I had five 30-day late payments in XXXX, XXXX, XXXX, XXXX and XXXX ... completely different from what they had reported in XXXX, XXXX!!! I provided CMS with my bank records, documented proof that I was NOT late on any of those payments!! They changed their reporting AFTER receipt of two letters from my attorney. Their response to my attorney is ludicrous and untruthful, which is evidenced by their having changed the months they claim I was late. The reason they removed XXXX was because of my attorney 's second letter to CMS where he again provided documented proof that it was IMPOSSIBLE for my XXXX, XXXX payment to have been late considering the fact that his office had WIRED the payoff of the entire mortgage on XX/XX/XXXX, for which he received a signed Release of Mortgage dated XX/XX/XXXX. CMS has now simply moved the months back one month each!! This is not correct and they should be dealt with regarding this matter. Pursuant to the CARES Act related to Covid-19, I could have requested assistance with my mortgage ( IF I HAD BEEN BEHIND OR PAYING IT LATE!! ), however, I was never in arrears to have to request assistance pursuant to the CARES Act ; and, as stated. This time, CMS 's errors in negatively impacting my credit report has caused me irreparable damage and harm in that I has lost the opportunity to purchase a home on which I wanted to make an offer. It is not right that CMS can simply add all this erroneous reporting to my credit report. If I made a payment on the XXXX, XXXX, XXXX or the month, I was still NOT 30-days late on a payment as my payments were made via Visa Debit directly from my banking account and credited to my mortgage the very day I made the payments. After having realized that CMS reported me 30-days late five ( 5 ) times, I begin researching and have discovered that CMS is notorious for reporting late payments. I would almost guarantee that any late payments logged were due to the laziness of its employees and logging payments because my bank records sure do show different than CMS records!!! I want my credit report fixed IMMEDIATELY!!! I have " EXCELLENT PAY HISTORY '' since I began rebuilding my credit several years ago after a 12-year period of having no credit. I may have a few medical bills on my credit but I have worked too hard for CMS to erroneously report such lies!! If CMS had not messed up somewhere, it would not have gone back, AFTER RECEIVING MY ATTORNEY 'S LETTERS, and changing the months it claims I was late!! That is simply WRONG!!!
04/29/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 601XX
Web
The below information was sent to Carrington Mortgage Company. It will explain everything in detail. Thank you in advance for your assistance. Carrington Mortgage XXXX Attention Research Department & Escrow Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan Number XXXX Dear Research/Escrow Department Im writing this letter to dispute the decision of having a shortage reserve fund for my escrow account. When I was speaking to your customer service department they referred to this as a cushion in case my escrow goes up. My loan was recently transferred from XXXX XXXX XXXX and I was never required to have more that what it would cost to cover my homeowner insurance and my property taxes. If the bill increased I would pay the difference and at that point my mortgage payment would increase to make sure the appropriate amount is there for the next billing cycle. I was advised that nothing would change when my loan was transferred over. I understand that my payment terms have not changed but Carrington Mortgage is requiring me to have more than the billing for taxes and insurance having a cushion INCASE the payment goes up. On XX/XX/2018 - I called in and spoke to XXXX, XXXX and a supervisor named XXXX. They all told me that Carrington chooses to opt out in allowing their homeowners not having that cushion and requires it with everyone they said its not required but as they made the decision to make a it this way for every homeowner they service. Well thats already one change from the transfer. For the last 8 years I was not required to have it and now you raise my mortgage payment assuming my bill will increase. ( you dont even have the next bill yet ) 1 ) I advised that if its not a mandatory regulation as stated by XXXX and you chose to opt out, well I as the homeowner should also have the option to opt out. Why should I pay you more than what is needed? All of the funds are placed in a bank account and you as the mortgage collect interest off of our money. I get it, thats one way of making money. If I have to pay you more than the billing just in case then I should receive some of the extra interest that you are making off of my extra funds. I know that this will not happen Im just trying to prove a point. Why give you more than needed. If the bill goes up then either way I will have to pay you. 2 ) XXXX also mentioned on the call that when you pay the property taxes in two parts ( splitting in two ) Carrington gets a discount. I would like to know what is the discount and does this go toward my account or does Carrington keep these funds? 3 ) I did the math with XXXX and by XX/XX/XXXX, you will have enough funds to pay both my full escrow payment that is due on XXXX first as well as my homeowners insurance that is due at the end of XXXX. ( with some left over ) When I make my XX/XX/XXXX payment, you will have over {$800.00} to start my next years escrow account. With this being said how you can already anticipate what my billing is before you even receive it. Based on last years billing I have more than enough to cover all necessary items including PMI. Now, I completely understand if the bill goes up but as of now I dont feel I should give you any more than I should and I should have the right of not paying the difference that you are requesting in my payment change. Im requesting not to have a cushion as I advised your customer service representative. Last Tax Bill - {$8200.00} Due in Full by XX/XX/XXXX Last Insurance Bill - {$1100.00} Due end of XXXX Total For Both - {$9300.00} Current Escrow Balance - {$6200.00} Monthly Escrow Payment - {$780.00} already excluded PMI. This is just for Taxes and Insurance {$780.00} for 5 months of escrow remaining = {$3900.00} Total in escrow account by XX/XX/XXXX - {$10000.00} {$10000.00} - {$8200.00} ( Taxes ) {$1100.00} ( Home Insurance ) = {$810.00} left in the escrow account. As you can see from the above, even if you dont count the XXXX installment, I still have enough to pay both taxes and insurance. Im requesting that my payment goes back to the original payment until you receive the new billing. Im requesting that I do not include an additional increase of payment to cover for any potential increases. I would rather keep my own money in the bank and pay the extra increase if the billing increased. My loan is current and I dont feel I should have to pay you more that what is needed. I can save my own money. XXXX advised me that she completed understands and that Im not the only person that has been complaining about this, many others are as well. This information will also be sent to the CFPB, I will be filing a complaint in regards to this situation. Please feel free to reach me at any time to discuss this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
03/28/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • WA
  • 98273
Web Servicemember
XXXX XXXX XXXX ; XX/XX/XXXX mortgage was transferred to Carrington mortgage company. ; XX/XX/XXXX flood insurance was supposed to be paid from escrow. ; XX/XX/XXXX insurance company tells me im late on payment and they need payment before i get off the phone. I pay it out of pocket. ; XX/XX/XXXX i call carrington customer service to try and sort out the whole mess spend XXXX hours on the phone with a service rep from both the insurance company and carrington. Carrington Customer service tells me a check will be in the mail in XXXX XXXX ; XX/XX/XXXX i set up auto pay with company. ; XX/XX/XXXX i transfer to a different command for school for 6 months. And tell my wife to keep an eye out for the check from carrington for messing up the escrow payment. ; XX/XX/XXXX junk mail from carrington trying to get us to refinance and mortgage statements. ; XX/XX/XXXX without informing me Flood insurance gap was put in place on my account in the amount of {$10.00} a month for lack of coverage for flood. ** ( Is this legal? Was told becausei had autopay set up i didnt need to be informed ) ** junk mail and same as before no check for the flood insurance amount. ; XX/XX/XXXX junk and mortgage statements ; XX/XX/XXXX junk and mortgage statements and i graduate from one school and travel across the country back to where home is located and attended another school XXXX hours away from home. ; XX/XX/XXXX. I make a call to carrington asking about the check that was never sent and they play the run around with me and tell me since it was paid they couldnt send a check to them. I state that the check can be made out to me since its my escrow thats over and i paid for the insurance out of pocket and they neglected to do so. They said that they couldnt send a check directly to me and it had to go to insurance. Called insurance company they state that isnt how it works and the check would just bounce right back.. ; XX/XX/XXXX. I spent around XXXX ( unpaid ) hours on the phone between Carrington customer service and insurance department and my insurance company. Customer service was absolutely embarrassing with their lack of knowledge, including not knowing their own website to help guide me to the information i was seeking. Escrow analysis. Open escrow analysis up and they analyzed that it was short back in XXXX calculating that they had paid for the flood insurance when they did not. I pointed that out to the customer service representative and they just regurgitated what the analysis said on it. When the amount in the account was grossly OVER what it said it needed to be at for the month ( this is where i really started to crack down on where things went wrong ) contact my loan XXXX who originated the loan for me back in XXXX. He stated that i should have called him before paying insurance directly. He and his team sent over documents from the transfer showing the amount of money that was in escrow at the time of transfer and their analysis which had calculated the amount for the flood insurance accurately to the dollar that i had paid out of pocket when they transferred. After having this information i called carrington again spending XXXX minutes with automated voice before getting transferred to a real person who at the end of the hour conversation with him he told me he was sending my information to escrow to have them reanalyze the account to have them send me a check for the amount that was owed to me. Should be XXXX business days ( lack of trust at this point ) i ask him for his direct line, doesnt have one. Asked for his cell so i can call if i havent heard anything after the XXXX days. Doesnt want to give it to me but says he will call me in XXXX days to update me on status. ( doesnt call after those XXXX days ) calls me after XXXX days and says that the escrow account was re-evaluated and a check should be on its way. ( We have heard this before ) stated that to him and told him i was disappointed that he didnt call to update me after the XXXX days and the analysis was actually done the next day after he put the request in. ( Finally someone who does their job ) waiting on the check to arrive from XXXX you would think a company would overnight something in this amount with the amount of headache i went through but just shows the lack of customer care from the company. ; ; ; XXXX XXXX ; ; : Carrington failed to pay insurance through escrow, i paid and had to spend XXXX hours on the phone to sort it out. With lack of customer service care throughout the process. ; ; ; **I advise everyone if you have the choice to stay away from this company. I didnt have a choice as they bought my loan from my lender. If my story doesnt drive you away from them feel free to check out their customer review rating on XXXX XXXX **
08/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TX
  • 799XX
Web
To whom it may concern : My father purchased a home for me I believe in XXXX in XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX, NM XXXX. As my father got sick he placed the home in a trust and trusted the home to me. My mother is the trustee of the trust. XX/XX/XXXX my husband and I finally decided to refinance the home into our names due to the drop in interest rates. We recently decided to sell the home due to the market being a sellers market. During this process we found out that we had a mortgage and no home. Carrington Home Mortgage used XXXX title company to change the title. The warranty deed was never signed by the trustee of the will which would have been my mom so the title was never changed with the county. The WILL also held my home free and clear with no mortgage attached to it but my husband and I were responsible for the mortgage. This process has caused additional expenses and stress. The buyers are now renting the home from us as they sold their home thinking they would be in our home within 30 days. There was no title insurance policy ever issued because the warranty deed was never singed. Carrington Home Mortgage and XXXX have been horrendous to deal with in this process completely ignoring all of my husbands and my phone calls. We have tried filling complaints with both XXXX and Carrington and we have gotten no where. XXXX VP told us there was nothing else to do but to have the warranty deed signed now and tell out buyers they will need to wait the 91 days before a title can be changed through on FHA loan or find new buyers. My husband and I canceled our contract with our property manager, termed out lease with our renters, paid for all the buyers request and filed for a new roof through the insurance in addition to all the fees the buyers have paid. Yesterday we got an email from the Senior Loan Officer with the new title company who stated the lender never filed the refinance because the change of ownership never wasn't complete? How did my husband and I close on XX/XX/XXXX yet the ownership was never completed? Since my mom did not sign the warranty deed until XX/XX/XXXX and yet we closed on XX/XX/XXXX the title nor the mortgage was recorded until XXXX of this year. Also, the title commitment is showing to mortgages still open on the home. There was a title commitment that indicated there was a a document that purportedly released both mortgages recorded on XX/XX/XXXX. My and my husbands mortgage was not recorded until XXXX of this year. Apparently, the appraisal will have to be completed again as well because the deed was recorded after the first appraisal and all the work and money we spent already? I guess either the dates have to be " faked '' or we restart and pay for everything again? I guess the " flip rule '' is not helpful in this situation and we have to ask the buyers to sign an entire new contract? The people we are dealing with at Carrington are XXXX XXXX NMLS # XXXX Regional Sales Center Manager Carrington Mortgage XXXX, LLC-NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Direct : XXXX, Fax XXXX XXXX, XXXX XXXXNMLS # XXXX Senior Loan Officer Carrington Mortgage Services LLC-NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Office XXXX, efax XXXX XXXX and XXXX XXXX Closing Specialist XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX and I also spoke to the Vice President at XXXX who told me when I asked who I can file a complaint with as this was not right. We were charged for their services in the refinance and they did not do what they are licensed to do she told me " There is not one for you to report it to I am the Vice President. Your mom just needs to sign and then you'll have to have your buyers wait the 91 days or find new buyers. '' I did not get her name. I was transferred to her after approximately 7 different phones calls on XX/XX/XXXX. They do have an underwriter of XXXX who did not issue a title policy because XXXX never filed the policy. So there is no title insurance. Timios also told me to have the WILL sell the home and receive all profits and then have the WILL pay me the profits and I pay off the loan that is attached to my name. Is this even legal? I have spoken to about 15 different attorneys but I have no idea about mortgage law and I am not sure if I am even explaining any of this corrently. I just know this has been a total nightmare. I am unable to upload the original loan closing documents as mentioned in Mr. XXXX 's e-mail in reference to page 15, the unsigned warranty deed as the document exceeds 10MB. Also, since the name change was never changed. Now in XXXX a credit card lean from the previous owners was placed against the title and now Timios-VP has recommended we just pay the lien to sell the home.
04/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93308
Web
I have been a customer of Carrington M ortgage for several years now. I have been paying my mortgage on time since I got the loan in XXXX . Never once did I miss a payment. I would always mail them a money order through USPS and not once did I have a problem. Then, in XXXX of XXXX , I get a call from Carrington Mortgage asking me why I have not made my XXXX payment yet? I tell them that I have submitted my money order like I have been for 8 years and that they definitely should have received it by then. Carrington Mortgage stated they did n't. Because of this, I did a lenghty investigation where I had to talk to USPS, XXXX XXXX , and Carrington Mortgage. Apparently my money order had not been cashed yet, but I had proof that I ordered one trough XXXX XXXX in early XXXX . I also was told by USPS that they had received complaints that the particular deposit box I submitted my XXXX XXXX Money order had been vandalized during that same time. I was told to submit a mail theft and vandalism complaint. I did so XXXX XXXX of XXXX . After I submitted my complaint of vandalism, I spoke with Carrington Mortgage and told them of everything that was going on. I also submitted a new money order along with the proof I had ordered a money order early in XXXX and the USPS vandalism complaint report since I knew the money order might not get to them on time. They said that they would look at all the documentation and more than likely forgive the late payment due to the unusual circumstances. That was the last I heard from them until several months later when I found out that they did place and maintain a late payment on my report. When I found out in XXXX of XXXX that there was a late payment on my report, I write to Carrington Mortgage and once again ask for their forgiveness. I never received a response. I then submitted another letter in XXXX and again I received no response. Finally, I get a letter back from them in XXXX stating that they would n't address anything because the signature on the letter did not match the signature they had for me ... Frustrated, angry, and saddened that my own mortgage company who I have been making payments to for almost 9 years on time was treating me this way, I almost gave up. I kept sending them letters and finally in XXXX they sent me another letter simply stating that my XXXX of XXXX payment was received on XXXX XXXX . It did n't have anything regarding the mail theft that occurred nor the report of vandalism and XXXX XXXX statement showing I obtained a money order in early XXXX addressed to Carrington Mortgage that was different than the actual payment they received from me in XXXX XXXX , XXXX therefore proving that I in fact attempted to pay them like usual. It also did n't address any of the phone calls that I had with their representatives where they essentially were leading me on with a " carrot on a stick '' so to speak nor the letters that I sent after XXXX XXXX . I understand that their stance is " we have to report accurately to the credit bureaus and this late payment was received late, '' but there are several extenuating circumstances that led to this and were no fault of my own. I did not attempt to pay it late. In fact, from my perspective and anyone with a bit of logical sense would argue that I did pay it on time. I ordered a money order and submitted my payment through the standard means on time. That an outsider or " third party '' decided to break the law and vandalize property and steal something that was n't theirs is not my fault nor do I have any control over it. In the end the one who is suffering damage is me. Carrington received their payment for XXXX XXXX on XXXX XXXX as well as any late fees for it and the XXXX and XXXX payments on XXXX XXXX . In other words, I had to make 3 monthly payments in a matter of 30 days, pay the late fees, pay the reimbursement charges and additional fees to XXXX XXXX for additional money orders, spent numerous hours investigating the problem, and still am facing a blemished credit report and lower credit score al l for something that was not fault of my own! How is any of that fair? Please help me in resolving this. I do not believe that I am being treated fairly and this late payment is causing me a financial burden because any credit I apply for is now at a higher interest rate due to this. I also have not been able to refinance my home so I could put the money into other investments in months because of this as the penalty for any home loans is 12 months from the most recent late payment. It literally has cost me thousands in opportunities. I would appreciate any help you can give into this.
02/13/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • IL
  • 615XX
Web Servicemember
In XXXX 2022 Carrington withdrew nearly {$500.00} over my payment amount. I never received any notice that my mortgage payment had increased by nearly {$500.00}. The loan is a VA loan and I had all of the paperwork for the exemption prior to them receiving the loan. My payment was {$820.00} but in XXXX I was charged {$1200.00} after they did an escrow analysis, which caused my account to be over drawn because I did not authorize that amount, and no one informed me that my payments were raising. This cost me a lot of money in overdraft fees. This was a mistake anyone who paid any attention to detail or had common sense would have caught or questioned why someone's payment would go from {$820.00} to {$1200.00}. I started calling the company in XXXX trying to get my mortgage payments back to normal ( dozens of hours on the phone, literally days worth ). Before XXXX I was paying {$820.00}, in XXXX I was charged {$1200.00}. When I called customer service to find out why they informed me that my escrow had a shortage due to taxes being paid. They were not supposed to make any tax payments for me, I had just bought the house 6 months prior and the previous owners owed taxes that could not be paid at the time because they were not figured out yet. I was going to pay them when I received the proper tax amount. I explained to them that I am tax exempt, and all of that paperwork had already been filed with the other mortgage company they had purchased the loan off of, and that is why I was paying {$820.00}. That made since to them and they would get it fixed immediately. I told them that I was not going to continue to pay the {$1200.00} but would continue with my original payment of {$820.00} and that I wanted any overages from my regular payments amount that was paid in XXXX ( {$1200.00} minus {$820.00} ) to be applied to my next payment. They said that would be no problem. So, I tried repeatedly to make the payments online, but their system would not accept them. So, I called in to make the payment. I went through the process of explaining all of this to them and they understood that I would have a credit of around {$470.00} so if I made a payment of {$350.00}, that would put me about where I needed be for the month of XXXX. They assured me that it would all be straightened out. But as the days turned into weeks and the weeks turned into months, my escrow not corrected, and months later I am being told that they can not apply the overpayment to the next my XXXX payment. That I must now pay thousands more than I agreed to because someone didn't figure out that I was tax exempt, because they couldn't be bothered to call me to ask a simple question but would rather not do their job properly and put me through 6 months of torment. Every month I would called in to make a payment and get told that I can not make my {$820.00} payment but must make the full payment amount. I dont even remember the amount because it has been so ridiculous. I finally was able to speak with a manager who informed me to contact an office about the situation and that they would investigate it and correct it. XXXX should have been {$820.00} it was {$1200.00} and overage of {$470.00}. XXXX payment should have been {$820.00}, I paid {$350.00} toward that because I had the overage from XXXX of {$470.00} which brought that payment to {$820.00} XXXX I paid {$820.00}, which is what the payment is supposed to be. In XXXX I was not able to get anyone to accept my payment. They flat out refused payments. Multiple attempts were made, and hours of my time wasted trying to make payments. Also, during this process Carrington will not apply the funds to the account but were letting them sit in an unapplied funds account and was charging me late fees because of this, and has been erroneously reporting to the credit bureaus that I am not making payments! This is outrageous since I have spent countless hours TRYING to make the payments. They have also charged me late payment penalties. The only reason this happened was because they cut 3 checks for taxes which paid a year and a half taxes, THEN did an escrow analysis, took months to figure out that they messed up, and would not correct me past billing to reflect a {$820.00} payment. So every month I was " falling behind ''. So, if they never messed up and paid taxes they were not supposed to, applied my payments towards my mortgage when I made them, and corrected the amounts for the months that they were trying to fix this, none of this would have happened and I would be current with my mortgage. But instead they have refused to correct their mistakes, remove the late fees then do a proper escrow analysis and ruin my credit in the process.
10/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 18062
Web
My loan was transferred to this company from my original servicer in XXXX of XXXX. Since that time I have encountered nothing but false and incomplete information and a total and absolute mismanagement of my account and money that I have paid to this company. When I was transferred to Carrington, my mortgage was ahead of schedule by approximately one month. I maid partial payments to aggressively amortize my loan. This caused confusion and chaos as the company does not have standard technology to process, accept, credit, or calculate paydowns as per customer request. This alone is a problem in and of itself that the company can not accurately process payments as they come in, and in a manner of the customers choosing. If a customer has a payment of {$1000.00} per month and pays that {$1000.00} broken up into smaller payments, they will amortize the loan faster and therefore save money on the life of the loan. This bank will only allow payments broken into 2 payments per month which stifles this paydown option. After asking numerous times for a re-calculation of ALL money paid, I was redirected numerous times. On XX/XX/XXXX, I attempted to make a payment and provided my account info. I was provided with a confirmation number of the payment. Approximately one week later, I was told that the payment did not go through and that I needed to pay again including other amounts outstanding. This was incorrect. After multiple conversations, I requested a formal audit of my account as follows to a XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX : my mortgage was transferred over to Carrington on or about XX/XX/XXXX. When the loan was transferred, I was ahead of my scheduled pay date. By my calculations, the monthly payments that are due to Carrington Mortgage Services include : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The total balance of these months is approximately {$7200.00}. Attached please find statements from my bank of processed payments totaling {$9400.00} If this calculation is correct, not only am I NOT late on my mortgage, but I may well be ahead of schedule as I was when I became a customer. Please advise of every single dollar and cent that your firm has received from me. I am asking that this account be escalated to the appropriate departments within your company and I iterate, that I would like a FULL AND COMPLETE audit of all payments that I have made to XXXX. -- -- -- -- -- -- I have called to follow up numerous times on this audit request and have yet to hear back in regards to any reconciliation. The bank has been negligent in reconciling in a timely fashion. This causes severe detriment both from a mental and financial standpoint. I was diligent in paying ahead of schedule and now I in limbo on what the amounts owed or due are which causes stress. I have followed up on numerous occasions to get a status update. I have called into the company XX/XX/XXXX and spoke with XXXX employee ID XXXX who advised that he would personally look into the entire case and contact me on XX/XX/XXXX. I DID NOT receive a call from XXXX and followed up on XX/XX/XXXX. I followed up again on XX/XX/XXXX and XX/XX/XXXX. My most recent conversation was on XX/XX/XXXX with no significant update. With each conversation and follow up the case becomes more convoluted as alleged charges begin to accrue or monthly mortgage payments become due. I am totally dissatisfied with this bank and I can only assume that if they can not reconcile and account that was only 4 months old at the time of request, then they would have a much harder time keeping other accounts properly serviced as well. I would like to file and document this complaint as a register or the confusion and frustration and delay and possible financial detriment that this bank and their customer service representatives has caused - that is still on going! With each passing day, it becomes more unlikely that the company wil lbe able to accurately track, or report correct information. This is because I am still on the mortgage. My suggestion was that they put any money that I pay them into a separate unapplied funds account which would allow them just to look at the 4 months in question as per the above. Additional payments only continue to confuse the situation but I also dont want to run into any default status. Their runaround and lack of clarity and transparency has been the most frustrating, and convoluted process ever encountered! Apologies that this complaint may have been long winded and a bit wide ranging, but it is only due to extreme frustration when you have been given the runaround on your mortgage and when you cant trust that every cent paid is being accounted for!!!
03/31/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NH
  • 03051
Web
At the start of Covid my husband lost his job we had call Carrington on a to regular basis to make sure the forbearance was in place. On XX/XX/XXXX I called Carrington and they referred me to HUD for financial assistance they also stated that they would start paper for modification that day. Stating that would take months. I called the number that was provided left a message somebody called me back from the program was not ready yet but I was to place on a list and XXXX Carrington was informed that we were on the list in XXXX the HUD company XXXX contacted us we had completed. In that paperwork were releases for Carrington and told that the application for assistance was in the process of being created on XX/XX/XXXX we signed release was sent XXXX for them to contact Carrington on Monday, XX/XX/XXXX the application for assistance was emailed to me by XXXX XXXX from XXXX even though I have not yet been put up online we had started to complete it right away it was submitted XXXXXXXX funding was not available until XX/XX/XXXX a week and a half prior to the funding being released we were informed that we needed my husband Social Security card we attempted to get Social Security card however because the license is expired we need to wait for the state has your send us an actual plastic ID the security guard at the door would not except the paper one issued by the state and we were told to come back with that. It was also about a week ago when XXXX XXXX from the head so that Carrington didnt accept the release so he had to sign new releases that Carrington still had not contacted them or except the contact from them. I had contacted them and explained the time that we are waiting for the Social Security card and ask them about the release which I did not get a direct answer on because I was asking if they could send nearly said they were fine acceptable. Within the past week I spoke with XXXX Carrington he did not have any information about XXXX or the programs they referred us to he provided me with the updated Mortgage statement which was still needed along with a deed and the original mortgage in order for the house assistance specifically. XXXX from Carrington who told me that I could find the deed in the original mortgage in our closing paperwork from the day we closed I had found that and sent that XXXX m who are already informed us and voicemail which youll see documenting that they were bills approved and that they will be paid and they will pay up to {$20000.00} Toward the mortgage had emailed XXXX to inform him of this he had said that he couldnt wait for some prospective funds to come would not or did not bother to validate that we applied finance that they directed us to apply for. was in place XX/XX/XXXX I called Carrington and they referred me to HUD for financial assistance they also stated that they would start paper for modification that day I called the number that was provided left a message somebody called me back before me that and see if you answer the program was not ready yet but I need to place on a list and XXXX Carrington was informed that we were on the list in XXXX the HUD company XXXX contacted us we had completed and theres your paperwork releases for them a secret Carrington and told that the application for assistance was in the process of being created on XX/XX/XXXX assigned release was sent XXXX for them to contact Carrington on Monday, XX/XX/XXXX the application for assistance was emailed to me by XXXX XXXX from XXXX even though I have not yet been put up online we had started to complete it right away it was submitted XXXX funding was not available until XX/XX/XXXX a week and a half prior to the funding being released we were informed that we needed my husband Social Security card we attempted to get Social Security card however because the license is expired we need to wait for the state has your send us an actual plastic ID the security guard at the door would not except the paper one issued by the state and we were told to come back with that. It was also about a week ago when XXXX XXXX from the head so that Carrington didnt accept the release so he had to sign new releases that Carrington still had not contacted them or except the contact from them I had contacted them and explained the time that we are waiting for the Social Security card and ask them about the release which I did not get a direct answer on because I was asking if they could send nearly said they were fine acceptable. Within the past week I spoke with XXXX Carrington he did not have any information about XXXX or the programs they referred us to.
10/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • XXXXX
Web
In regards to Carrington Mortgage Services 's conduct : On XX/XX/XXXX I spent the better part of two hours resolving a payment processing issue which was the result of a problem in Carrignton 's automatic payment system. I have always been on automatic payments, for the lifetime of my loan, and have never missed a payment ; yet, Carrington saw fit to not only fail to draft the payment timely, as authorized and indicated on their website 's automatic payment processing system, but also saw fit to fine me for not completing the transaction. I immediately called customer service when I was made aware of the issue. The first supervisor, XXXX, told me he would remove the fee charges and process the payment ; he then promptly hung up the phone on me. This was deliberate and shocking considering he was a senior account supervisor. The second time I called the payment was again to be processed absent any fees ; however, the agent on the phone attempted to coerce me into agreeing for my bank information to be stored in an automated system, which I am opposed. Considering I am already enrolled in automatic payments through Carrington, I should not have to sign up for another system ; still, Carrington made it a condition of taking the payment. At that point I resigned myself to pay the bill online regardless of fees. I was already logged into the site. I attempted to process a payment, and the site prompted me with an " Automatic Payments '' warning. I was then kicked off the site, which ceased to work at that point. I called Carrington for the 3rd time. I was passed to my second " supervisor '' of the evening, XXXX. XXXX informed me she would handle the payments. At first she insisted on a phone fee, then on storing my information in an online pay system, and then finally took off all fees and claimed my information would not be stored. I logged in the next day to see XXXX processed a series of payments, none of which were authorized by me, and added fees which she had specifically assured me would not be added. Carrington processed ( 3 ) payments instead of one, despite only having authorization for one, resulting in hundreds of dollars in interest being paid that was not owed, and a late fee was taken out despite numerous assurances by XXXX, and other Carrington staff, that no fees would be assessed ; furthermore, these payments were processed for the months of XXXX and XXXX despite explicit instructions that I was making a single payment for the month of XXXX. Keep in mind, Carrington records their calls, so they are totally aware of the deceptive lending practices in which their staff is engaging. ( 3 ) calls were on XX/XX/XXXX, and ( 1 ) was made on XXXX ; I gave them ( 3 ) weeks to handle their " rush resolution, '' and no action has been taken. I regret giving them even ( 1 ) week, as they clearly had no intention of honoring their word. I have been deliberately mistreated, lied to, and mishandled by Carrington. I am a good customer, and I have always paid my mortgage timely ; nonpayment has never been an issue on my account since its inception. Even if it had been an issue, it would in no way excuse deceptive collections practices by Carrington 's staff. Lastly, I find Carrington 's behavior in the whole matter to be reprehensible, and I am extremely dissatisfied. I sent this information to Carrington on XX/XX/XXXX. Carrington never responded. I called them again the following week as no corrections were made on my account. Another Senior Supervisor, XXXX, informed me he would put a rush on the corrections, and they would be resolved " soon. '' It has now been a month since Carrignton fraudulently stole money out of my bank account. Additionally, my desire was to pay the loan off this month BECAUSE of this fiasco, and I am now unable to do that because they have refused to correct the issue created by their deceptions. I have pushed for an amicable resolution to this from the first, and Carrington has refused to cooperate at every turn ; additionally, each time I call them they dance me around on the phone for hours, and ultimately refuse to help solve the issue. I have been hung up on, repeatedly lied to, and categorically mistreated through no fault of my own. Furthermore, I believe Carrington has deliberately delayed correcting their errors in order to charge me additional interests for the each month my loan is open past XXXX. Carrington Mortgage 's fraudulent, deceptive, and outright damaging behavior is completely reprehensible, and I am shocked to see any lender deliberately engaging in such conduct.
08/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70058
Web Servicemember
My husband 's died XX/XX/XXXX. The loan was financed with with XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE for CARRINGTON MORTAGAGE LOAN TRUST. The loan was an ARM loan where the payments change based on the stock market the 2nd year. We went from 9 % to 11.5 % and got as high as 16.5 % and continued. Our payments went from {$900.00} a month got as hight as {$4200.00} per month. This did include property tax and property or flood insurance. My husband had a great job making {$90000.00} a year and we were able to handle the payments. He lost his job and Hurricane XXXX happened. I found a job and was able to help him and he took on odd jobs and until he found permanent employed making {$30000.00} a year. We were unable to stay on top of our mortgage payments. Then there was a new law that came out saying people like us, were able to apply for a loan modification and we were granted a modification for 5 years with a 5 3/4 % interest rates. That help tremendously. In XX/XX/XXXX my husband was diagnosed with XXXX XXXX. He had to ( XX/XX/XXXX ) had to have XXXX and take time off for treatment. He was able to return to work in at the end of that year. XX/XX/XXXX I was laid off my job ( mast lay-offs ). He filed bankruptcy trying to keep our home. Making payments to the house and bankruptcy payments. Without my salary and only unemployment insurance payments for 4 months we were continually behind. On XX/XX/XXXX my husband died of XXXX XXXX. He had XXXX also and was seeing and XXXX XXXX I received my husbands life insurance payment from his job {$65000.00} He had purchased " terminal illness insurance '' in XX/XX/XXXX they did not pay because my husband had to be alive for 6 months for them to pay this. Also, they asked how did he die, at the time I was told he died of a XXXX XXXX. When the XXXX came in that I ordered at the time of his death it should he had died of an " XXXX XXXX ''. If my husband had died of a XXXX XXXX the insurance company would have given 1 % of the loan or {$15000.00}. I brought the loan current, paid t he bankruptcy payments, {$24000.00} to Carrington Mortgage Loan Services, {$10000.00} bankruptcy payments. I was told that I had to homeowners insurance. In order to get homeowners insurance I had to repair the outside damage to the house ( replace missing shingles, cutters, and roof ), to pass insurance inspection for insurance. {$17000.00}. I asked for a Modification not knowing that because the house was not in my name, they refused to talked to me about the loan. I attorney told them that I was making the payments and t hey agreed to speak with me. But because I had not done a succession they refused to allow me to apply for a modification. I took the last o my money did the succession for my husband. It was only then that I found out that I did not have to pay his bankruptcy payments because the bankruptcy was only in his name. I applied for a modification 7 different times after the succession. They keep saying they did not received it even though I had proof, I had went to XXXX 's XXXX each time and they gave proof of it being sent. Finally, on the 8th time, they acknowledged receiving it and took 3 months, to tell me that they could not give me a modification because nothing had changed in our finances and we had not fulfilled the 1st mod given to us, and that there was no unemployment and that I would not get a mod. That was not true : 1. I lost my job 2. My husband was unemployed twice 3. And now my finances drastically changed because of loss my husband 's income. They sent a letter XX/XX/XXXX, saying my interest rate was going up to 9.42500 % and my payments would go from {$1400.00} per month to XXXX per month. They offered a in house payments plan where I would have to {$4000.00} per month for 6 months and then they would see what was possible for my home loan. They also, reverted all my past due payments from 5 % to the current present interest rate of 9.42500 %. I was told that the new rate would take place XX/XX/XXXX. Not that it would changed all past due pmts to XXXX and just future pmts. I do n't know if you can help me. My husband and myself have lived in this house for 13 years. I would like to keep my home. I hope you can help. They said that I have not make payments since XX/XX/XXXX and that is a error I made payments. I would like to know what happen to the payments that I sent and I have statements in all of XX/XX/XXXX. The attorney 's letter said that he did not have to wait 30 day to take my home. I disputed the amounted listed. But no one have responded my my letter or request. XXXX
04/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78731
Web
COMPLAINT This is a complaint against Carrington Mortgage Services, hereaft er Carrington, for fa iling to apply my funds properly when received to my mortgage and for reporting my account as past due for XXXX XXXX and XXXX XXXX . On Exhibit A is a copy of the XXXX XXXX invoice from Carrington for {$290.00} ( please note that XXXX XXXX payment was {$470.00} See Exh ibit A-1 ). The copy shows my payment on XXXX XXXX , XXXX of {$290.00} through their online service. On Exhibit B is the em ail Carrington sent to me acknowledging receipt of payment. Without notice to me and without permission from me, Carrington placed my on time payment into unapplied funds or suspense. Next, I received a letter from Carrington c laiming they have not received my payment of {$290.00} and my payment is late ( Exhibit C ). Note my indications in the right hand corner that my payment posted to my bank, XXXX XXXX XXXX , on XXXX XXXX , XXXX with ID XXXX . This is outrageous, particularly when Carrington is holding my money in suspense without notice or my permission. I responded by letter ( E xhibit D ) dated XXXX XXXX , XXXX advising them that their past due letter was completely inaccurate and false and when my payment cleared my bank, XXXX XXXX XXXX . They did nothing. I have tried calling Customer Service numerous times and was told they would handle it. As an example, I am enclosing my notes from speaking with XXXX at Carrington on XXXX XXXX , XXXX at XXXX pm ( Central ) ( Exhib it E ). XXXX told me my money was in suspense and he would apply it to the XXXX bill. The balance after that application would be {$280.00} in the escrow account because the XXXX taxes overdrew the escrow account. XXXX said he would send a letter of final payoff and the letter of overdue payment was in error. His ID # was XXXX . Carrington did nothing. Next, I received a XXXX XXXX statement claiming that I owe {$890.00} ( Exhibit F ). Another falsehood. Under Explanation of Amount Due it shows {$290.00} ( whic h I have already paid in XXXX XXXX ). Note that the same amount is under suspense balance in Accou nt Information. Also under Amount Due i s Overdue Payment {$590.00}. If I paid off the loan in XXXX XXXX , how can I owe nearly {$600.00} at this time? At no time did I not make the payment requested in XXXX XXXX . There is no explanation whatsoever of ho w Carrington ca me up with {$590.00} overdue because I did not owe that much. It should be like the {$280.00} that XXXX came up with earlier from the escrow account overage. Please note that the taxes were not paid by Carrington a t the time they sent the XXXX XXXX invoice for {$290.00}. Carrington did not make payment on the taxes until XXXX XXXX , XXXX . Exhibit G is a letter from Carrington dated XXXX XXXX , XXXX . Please note it is written 32 days after my first complaint was received. Carrington indicates that because the payment would liquidate the principal balance the payment could not be applied and they would remove the late charges. No Mention of reporting the XXXX XXXX and XXXX XXXX payments as late and significantly decreasing my credit score. Thi s is utter nonsense. If this was their reasoning they should have stated up front with their XXXX XXXX invoice but they did not. Also contained in Carringtons letter of XXXX XXXX , XXXX was a payoff stateme nt ( Exhibit H ). Notice that they claim the loan is due for the XXXX XXXX , XXXX payment even though they already had the money. Also notice that the only interest that could be due was {$0.00} which was due on the XXXX XXXX invoice but they charged {$1.00} in interest or {$1.00} extra because they held my money in suspense and refused to give me credit for the XXXX payment. On XXXX XXXX , XXXX as soon as I received their payoff statement, I sent a bank wire from XXXX XXXX XXXX for {$280.00} ( Exhibit I ). Even thoug h, Carrington he ld my XXXX payment in suspense and refused to give me credit and refused to provide me with a payoff in XXXX XXXX , a s Carrington promis ed, they are still showing my payments as being late for XXXX XXXX and XXXX XXXX . I consider this to be a violation of the Federal Fair Credit Reporting Act and the Texas Deceptive Trade Practices Act. I am requesting that you sanction Carrington Mortgage Services and order them to correct their outright lies to all credit reporting agencies and show that all of my payments were on time and never late.
01/07/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • IL
  • 622XX
Web Servicemember
In regards to issues I am experiencing with refinancing with Carrington Mortgage Services and thus causing my property taxes to not be paid from escrow. I have refinanced with Carrington 2 years in a row and have experienced this same issue. I received a delinquent tax letter on XX/XX/XXXX from my county stating that my 2nd payment in XXXX was not paid. When I refinanced I sent my Loan Officer documentation that our taxes are due in XXXX and XXXX and not XXXX and XXXX as Carrington 's records state. Because I dealt with this issue in XXXX, I tried to be proactive. In XXXX I was told by my Loan Officer that a computer pulls county tax due dates and that is what they go by, but my county is incorrect. I believe because I refinanced before 2nd payment was due, Carrington assumed my 2nd payment was made in XXXX. XXXX XXXX, a third party that Carrington uses, stated that they sent a note to Carrington in XXXX requesting XXXX escrow to make payment, but funds were not sent. This should have triggered someone to check. After receiving delinquent notice on XX/XX/XXXX, I emailed Loan Officer that same day with copy of bill. He responded on XX/XX/XXXX that I needed to call customer service. I then contacted Carrington on XX/XX/XXXX and sent them the delinquent letter from my county and was told that they would need 14 business days to research and then a check would be disbursed. I next called Carrington and spoke with a XXXX who stated that money was pulled from escrow on XX/XX/XXXX and mailed out. I explained that my county issues certified letters on XX/XX/XXXX, name in paper on XXXX, and tax sale on house XX/XX/XXXX. On XX/XX/XXXX I called again and spoke with XXXX. XXXX said that she can see that money was mailed out but no tracking number. She couldnt give me much information as to where Carrington was in the process. My county stated that XXXX XXXX called them XX/XX/XXXX and verified amount owed. On XX/XX/XXXX I spoke with XXXX who said money from escrow was pulled but a check hadnt been sent yet and I should just be patient. I again gave the tight deadlines from my county. In XXXX my county didnt receive the funds until day before tax sale and I had been in contact with Carrington for almost 2 months. On XX/XX/XXXX I spoke with XXXX, who stated that a check was mailed XX/XX/XXXX, but couldnt say if it was mailed to XXXX XXXX or to my county. I asked to speak to her supervisor and was disconnected. A few hours later XXXX did call me back and she did a little research stating that XXXX XXXX mailed the check to my county on XX/XX/XXXX and I should wait 7-10 business days. On XXXX my county said that XXXX XXXX called them on XXXX and said Carrington mailed them a check on XX/XX/XXXX. This is again different information than what I was told. Who mailed the check and when? On XXXX my county said that XXXX XXXX called again on XXXX to verify amount due with interest and fees by tax sale date of XX/XX/XXXX on 20 different parcel numbers in my county. I guess I am not alone in this mess. I have also sent emails to their Advocacy, Veterans, and Operations Departments on XXXX and XXXX and have not received a response. So, here I am again hoping that a check that was mailed USPS during a pandemic reaches my county before the XX/XX/XXXX tax sale. I am not sure why delinquent taxes are not wired to my county just like Carrington does for normal payments to them. I am also curious as to why Carrington would use USPS to send large funds without tracking numbers. Another XXXX passed by with worries of losing my home because of Carringtons incompetence. I have spent countless hours dealing with Carrington on this issue only to get little or incorrect information. I have given deadlines for urgency and they just mail a check when it should have been wired or overnighted. I have given the correct tax payment due dates during refinancing and still face this issue. In XXXX of XXXX, my house payment went up because of the unexpected escrow payment that was missed and paid in XXXX showing that 3 projected tax payments would be made in XXXX. My house payment was now higher than before I refinanced. I called escrow and tried to explain that 3 payments arent actual, but their computer shows an increase and that is what they go by. Nobody used common sense and looked into it beyond their computer telling them. A few months later another escrow analysis lowered my payment just as I had stated should happen. I do not look forward to the next escrow analysis for XXXX and having the same issue, but it is probably inevitable.
06/09/2022 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 78232
Web Servicemember
Hello, I bought my house in XXXX of XXXX with XXXX XXXX XXXX during the whole year of XXXX I paid my normal amount of XXXX XXXX In XX/XX/XXXX I noticed my payment for my Mortgage didn't come out of my account so I went online to check what was going on. Online it said the amount due was XXXX XXXX I called right away and talked to someone about what was going on. During this time it was reflected on my credit score and it dropped down to below XXXX, I was assure it would be fixed after I get everything sorted out. I was told that there was a reanalysis of my loan and that I owe Property Taxes from last year ( XXXX ) and current taxes. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran we don't have to pay property Taxes as long as we are living in the residence. I sent over my supporting documentation and continued to pay my mortgage or at least the amount I owed. I called regularly and asked what the status was and they kept telling me it will take around 20-30 days. The amount of XXXX $ I sent for my payment was sent back since it wasn't a " Total amount '' for what I owed. At this time my bill was saying XXXX $ + since it was still incorrectly saying I owed taxes. I went on the Covid forbearance plan from this time and it was still not fixed. I went to XXXX XXXX 's tax office and made sure my information was correct and it showed XXXX $ owed. Still with nothing being fixed. My mortgage was sold to another company called Carrington Mortgage which is a debt collecting mortgage company, this was back in the fall of XXXX. I was told to wait until my loan was fully transferred and go from there. When my payments started it was the same thing and the amount was the same XXXX and I called again to make sure this was handled correctly. Again I asked to be on the forbearance program until this was sorted out. I sent in a Mortgage assistance application and talked to another lady inside Carrington that was trying to help me out. Fast forward to XXXX I'm no longer on the Covid forbearance and my credit score dropped down again due to " late payments '' so I called again to see what the status was and I was told my XXXX was rejected. I spoke to another person and they told me to call these different departments inside their company, I called up the property tax division and told them the situation. I was told to upload documents, I called my tax office again and they said they don't provide those documents to the owners themselves, and that the company needs to request them. I called back two days later to see the progress and what has been done. I was told that on their end it is now corrected and I owed XXXX $ for taxes. At this time I'm still getting Monthly bills saying I owe XXXX XXXX I spoke to another lady and she put me in touch with a case manager which let me know what was going on. They tried to do a XXXX XXXX loan but due to it not being with XXXX XXXX of my current payment they rejected it. I didn't fin this information out until late XXXX. In XXXX I submitted the XXXX again and called to see where it was in the process. I was told they couldn't see page XXXX & XXXX of my application which is bazar because they were all in a XXXX XXXX This time I resent them XXXX or XXXX files at a time with the completed forms. In XXXX I called XXXX and was told that my application was rejected due to missing documents. I've called many more times after this and resubmitted the paperwork. I came home from a XXXX XXXX and I had a paper taped to my door saying they were starting the Foreclosure process. I resubmitted my Mortgage application on the XXXX of XXXX after speaking to another rep about how I couldn't use my older application due to it being from XXXX timeframe. Today, XX/XX/XXXX, I called again to ensure they received my documents and I was told they haven't. I used the same email address that is found online and that I've used before - XXXX I didn't receive an automated response for the past XXXX XXXX I've submitted these forms. So I asked the customer service rep on the phone what can I do because this has been extremely stressful and I don't want to lose my home due to some error that was created a long time ago. He made me send the documents to that same email address and XXXX him to let me know they received my XXXX files in full. He also took the time to extract these files and send them directly himself. I was told that my case manager from back in XXXX is no longer my case manager. I was given his email and asked if I could talk to him personally about my situation.
06/16/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 17110
Web
I have been trying since XXXX to apply for a loan modification with my mortgage company. In XXXX, I submitted an app and called back in and they reported it wasn't received. On XX/XX/XXXX, I submitted my loan modification app, called in and it was confirmed received. 2 weeks later I called in to check status and was told it was canceled and a COVID-19 forbearance was placed on my account ( which I was told would not actually stop the foreclosure process and my home would be immediately foreclosed upon at the end of the forbearance term without an approved loan modification ). The representative said she removed the COVID-19 forbearance and instructed me to wait a week and resubmit my loan modification app. I did exactly that and resubmitted my loan modification app for the 3rd time. On XX/XX/XXXX, I called in to check the status and was told that my loan modification app was canceled again and a COVID-19 forbearance was placed on my account which I was instructed again that it would not help my situation and I needed to submit another new loan modification app ... which I submitted that day for the 4th time. On XX/XX/XXXX at XXXX I called in to check status and was told that I was approved for a modification, but needed to call back to speak with home retention department that afternoon. At XXXX - I called back in and was told by a supervisor that the loan modification was in fact not approved and that I needed to resubmit my application for the 5th time due to the date of the loan modification application being expired. On XX/XX/XXXX - I resubmitted my loan modification for the 5th time On XX/XX/XXXX - I called to confirm loan mod app was received. I was told that it was received and was being reviewed by an underwriter. Told to check back in 2 weeks. On XX/XX/XXXX - I called in to check status and was told my loan mod app was denied because the underwriter stated I don't live in my home ... I do. I requested an appeal. On XX/XX/XXXX - I called to check status and was told an underwriter needed to see a letter of explanation and residency verification ( like bills or bank statements ) I submitted all three ( residency verification, letter of explanation, and a copy of my drivers license with my home address same as property address all for verification ). I was told that as soon as the underwriter saw these documents I would be approved. On XX/XX/XXXX - I called in to check status and was told my loan modification application was denied because " the home is not owner occupied ''. This is false and I provided very ample evidence that I live in my home ( same home as is mortgaged ). My bank statements go to my home, my bills go to my home, my drivers license has my home address, I even suggested they could call my local police department to stop by anytime and check to verify I live in my home ... they can come unannounced ... anytime. I live in my home and I've provided them everything they need to verify this. The representative advised I submit a new loan modification application. I was advised to resubmit the same exact loan modification app with all the same documents all together in one package. I was told as soon as that was received I would be approved for the loan modification. I submitted the new application that day. On XX/XX/XXXX - I called to confirm loan modification application was received and was told it was received and was denied because the documents were out of date and I would have to redo all the documents and resubmit everything all over again. It has become clear that Carrington Mortgage is playing a game of cat and mouse in order to force me into foreclosure. I have followed their instructions with precision and accuracy. I have clarified everything needed prior to sending in. I have kept precise notes to make sure I did exactly what I was supposed to do to get my home out of foreclosure and not lose my home. I am trying so so very hard to save my home and I have been for 4 months, but Carrington Mortgage keeps finding new and ridiculous reasons to deny my application and prevent me from being approved for the loan modification. I think this could possibly be predatory forcing me into foreclosure ... I know for certain most people who are less organized, less tenacious, and less motivated to keep their home would have given up by now. But I love my home and my family lives here and I am doing everything possible to resume making payments and prevent foreclosure. I need some help making sure Carrington Mortgage participates as well.
11/29/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • WA
  • 98028
Web
I missed the deadline. I never got the paperwork in the mail, I responded to the call that I received on XX/XX/XXXX, only to be told that they tried to email me and the email said that the phone line was poor so I needed to contact my Rep. XXXX to talk about what I needed to do with the paperwork. I didn't get the phone instructions and I never received any mail and speaking with Rep. XXXX, she couldn't find proof that documents were mailed to me/ my address. I did write to my Rep. XXXX an e-mail on XX/XX/XXXX telling her that I didn't get the mail, she has not responded. I called twice and requested for consideration given the fact that I did not receive the paperwork. Today XX/XX/XXXX, I received a letter in the regular mail asking me to submit a complete request COVID LOSS MITIGATION by XX/XX/XXXX. Required docs ; - XXXX XXXX consecutive days of computer generated pay stubs displaying year to date earnings - XXXX XXXX executed IRS XXXX XXXX XXXX XXXX XXXX executed Request for Mortgage Assistance application ( XXXX )- all pages required pages. COMMUNICATIONS EVIDENCE OF WHAT HAS HAPPENED. I CAN NOT TRUST WHAT THEY ARE DOING XXXX TOLD ME NOT TO SEND DOCUMENTS AM IN REVIEW SINCE XX/XX/XXXX AND THE LATEST LETTER DEMANDING DOCUMENTS IS WRITTEN ON XX/XX/XXXX. From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX XXXX Notarize? Hi XXXX, Please give me a call I didn't see this email and I responded to a missed call today and found that you were emailing me instead. I need to know what happened to the notarized paperwork I sent from XXXX XXXX? Why do I need to sign/notarize from Carrington.? Please call back if you have to. Thanks XXXX XXXX On Thursday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning! I have great news for you. Your modification was approved, and your modification docs have been sent out to you. Is there a good number and time to reach you by phone to go over everything? XXXX XXXX XXXX, XXXX XXXX Department Carrington Mortgage Services , LLC NO RESPONSE -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX Sent : Saturday, XX/XX/XXXX at XXXX XXXX XXXX Subject : XXXX : loan # XXXX Hi XXXX, Thank you for this quick response. This message dated XX/XX/XXXX. My understanding was that if I got the notarized copies from my former mortgage service XXXX, then I didnt need to start all over. And if you are telling me to send notarized documents are they these attached in this mail or should I have received some in the regular mail. I want to respond ASAP. I need to know what I need to notarize? Thank you. XXXX XXXX NO RESPONSE I received a letter from Carrington on XX/XX/XXXX requesting that due to an incomplete documents my application was denied and to provide documents by deadline XX/XX/XXXX or I go into foreclosure and credit report : This morning XX/XX/XXXX, I called and spoke with the customer service team XXXX, she told me that I dont need to send any of the documents requested and I wanted it in writing and she emailed it. I asked her to check when the notarizing documents were mailed to my address and she said there was no record. I asked to talk to her supervisor and she is out for lunch, she said I should expect a call from them sup visors within 24 hours. The day is over and i have not received a phone call yet. TWO EMAILS CONFIRM THAT i SPOKE WITH THE COMPANY AND THE STORY HAS CHANGED AND I DON'T NEED TO SEND ANY MORE DOCUMENTS SINCE MY REVIEW BEGAN IN XX/XX/XXXX, AND YET MY LAST LETTER FROM THEM IS DATED XX/XX/XXXX? From : XXXX XXXX XXXX To : XXXX XXXX Sent : Monday, XX/XX/XXXX at XXXX XXXX XXXX Subject : XXXX - Mortgage Account Update Hello XXXX XXXX, Thank you for calling in today. You are currently in streamline review for your acount, no additional documents are needed at this time. Review should be completed within the next week or 2 and once complete we will be sending you out those documents to sign and notarize. Sincerely, XXXX XXXX |Special Servicing XXXX Carrington Mortgage Services , LLC . To : XXXX XXXX Sent : Monday, XX/XX/XXXX at XXXX XXXX XXXX Subject : RE : XXXX - Mortgage Account Update Hello XXXX XXXX, The modification documents will be mailed to your address, we can also email you a copy once the documents are generated. For now, please disregard the letter you received on XX/XX/XXXX. No additional documents are needed at this time, thank you! Sincerely, XXXX XXXX |Special Servicing Specialist Carrington Mortgage Services , LLC .
12/01/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60169
Web
Carrington Mortgage Services is servicing my mortgage unfortunately XXXX XXXX XXXX sold it to them. Everything was fine until I received a letter from them back in XXXX that states my monthly payment went up from {$1100.00} to {$1200.00}. I called them on XXXX XXXX and talked to XXXX. She told me the reason for the increase was the shortage on the escrow account. I asked what I need to do to get the monthly payment down to where it was and she told me all I needed to do was pay the shortage, {$770.00} and the difference in the monthly payment {$78.00} and shed waive the late fee. She also gave me a confirmation number, XXXX and told me to call back in a few days and ask for re-run of the escrow analysis. My bank had already processed the XXXX payment and since the amount processed was the old amount, {$1100.00}, that night, I made additional payment in the amount of {$78.00} to make sure the new amount is paid in full until it is fixed. I also wanted to make sure they wouldnt charge me any late fee. I called back on XXXX XXXX and the lady I talked to told me the payment {$770.00} was applied incorrectly and told me shed make sure the itd be applied correctly and the escrow analysis will be re-run and advised me to call in a week or so. I told her that I paid additional {$78.00} to make sure the monthly payment was not short paid and she told me she would note it. I called on XXXX XXXX and explained the whole thing to the person who picked up and learned that nothing had been done, I was on hold for several minutes and finally I asked to speak to a manager and XXXX or XXXX ( I am not sure which one she goes by ) told me she would take care of it. I insisted I needed to talk to someone who I would be able to follow up with because I was tired of explaining to different people every time I call. She told me to ask to be transferred to XXXX and they would transfer me to her. She also told me she would call me before thanks giving if not, she would call me on Monday the XXXX. By the time I was done with her I was on the phone for 1 hour and 4 minutes. I waited until the XXXX and I called but I couldnt get a hold of her. I was told shed call me back. She called me and left me a message. I called back again but couldnt get a hold of her. Finally the person I spoke with told me she said I owe {$100.00} and some changes ( I dont remember the amount exactly ) and I would be all set. No answer on whether or not the escrow analysis was re-run, no information as to what my new monthly payment will be, and no explanation as to how they came up with the amount they threw at me. I told him I needed to speak to a manager and he told me they would tell me the same thing, I insisted and he put me on hold for the XXXX or XXXX time and brought XXXX resolution specialist I explained the whole thing to him and he told me the same story like the escrow analysis is being run.which at that point meant nothing to me, So I asked him to get me to a higher manager who can actually make things happen. He put me on hold for about 3 minutes and came back saying the supervisor had gone home and he had a solution for me. I asked what it was and he said he would reverse the 3 late fees and those late fees should cover what they say I owe and Id be all set but in order for the late fees to be reversed he needed supervisors approval we needed to keep our finger crossed. Imagine, I made two extra payments. I specifically told them I paid {$78.00} on XXXX XXXX which was posted on XXXX XXXX to make sure they wouldnt charge me any late fee and he told me I needed to keep my finger crossed. I explained that again and he agreed that it would definitely be waived. I asked him about my new monthly payment and he told me he would call me the following day, today, and let me know everything I needed to know. I asked him if he would personally call me and he said it would be him or XXXX ( XXXX ) or a supervisor. I thanked him and we hang up the phone. I waited all day today and have not received the call. At this point, I have decided that I will seek refinance and move my mortgage to a different lender. But I believe if they are unable to solve a simple issue such as mine, when they charge late fees because of their mistakes and refuse to give refunds, may be they do this to many customers and someone need to look in to their practice. I am beyond frustrated and they are by far the worst mortgage lenders out there especially when it comes to customer service.
09/21/2023 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 707XX
Web
MAJOR BILLING ERROR HERE because CARRINGTON MORTGAGE has told me that they are not the holders of the note, they said that the Trustee, XXXX XXXX XXXX XXXX ( XXXX ) is the holder. Carrington, please Explain why you said that you hired the said lawyers XXXX XXXX XXXX? CARRINGTON MORTGAGEs name is no where on the foreclosure proceedings and the only name listed or enjoined is XXXX, you cant do that by rule of law, I never knew who XXXX was until I researched it when the I found the Writ of Seizure on my door. FURTHERMORE, XXXX has confessed to having no legal or equitable interest in my mortgage, ( see attachment ), even though they are the trustee of my loan they really don't have anything to do with it, and they go on to say how busy they are with so many other loans ( probably bigger $ mortgages that the other consumer are not as knowledgeable and resistant to letting their houses just be robbed from them ). The truth is neither CARRINGTON OR XXXX has any legal right to Foreclose on my house, neither are the holders of the original wet ink signature note. Because the original note was cashed in the beginning right after closing ( breech of contract ), this has put the XXXX XXXX XXXX XXXX in a position of Constructive Contempt of court in the XXXX XXXX XXXX XXXX XXXX, Louisiana because they said that the note was not liquidate when the judge asked. This hides the bigger fraud that and Controversy that CARRINGTON AND XXXX are perpetrating on the entire country with the fraudulent worthless MORTGAGE BACKED SECURITIES being sold because of the fact that the note is cashed at closing and the Banks have to have possession of the original wet ink signature note to have the standing to sell the mortgage backed securities to investors, AS WELL AS to have the standing to bring a foreclosure on anyone through a court. The Honorable XXXX XXXX XXXX XXXX has foreclosed on me and my family, has done and by doing so has broken the law and caused millions of dollars in damage. I asserted my rights to rescind the mortgage, so it must be honored with in 10 days from the XXXX ( according to the original law ) since its on the land records. I must be paid back any and all proceeds plus fees and interest. I request that your answers contain all applicable laws referenced from US code, statue, Code of Federal Regulations, UCC, Federal reserve circulars, or any other legal means you can to back up the shell game two stepping nonsense that both CARRINGTON AND XXXX has tried to squirm out of giving and me all along and they have been playing the try to find who the owner is game. The Answer is the investors in the fraudulent mortgage backed securities or MBSs are the owners of the note, the investors cant bring a foreclosure, since the banks dont own the notes anyway. The problem is every the banks have the retirements of all the judges in EVERY district court invested as mutual funds in MBSs which is the biggest controversy and exposes the corrupt for profit private corporation fake courts, and the banks run the court. This is easy to prove but every time my complaint is removed from here. One of the real reasons for the Civil War was to bring mortgages in from XXXX XXXX. CARRINGTON IS A FRAUD, look at their XXXX XXXX complaints, look at CARRINGTON SUCKS XXXXXXXX XXXX there is army 's of civilians really upset at the cold hand of CARRINGTON, the DEBT collector who never should have had my information in the first place ( The XXXX Privacy ACT, ( Identity theft ) ) and that is evidenced by the chain of title has been destroyed, its all in the Land Records, any one can see. The missions of the fraudulent Companies is to steal the land, MERS made a good attempt. I Demand a RESPONSE on this forum where everyone can see how you respond as it's posted to the honest world and my words will stand as truth once you don't respond. I reserve the right to arbitration or Federal suit. all of this is done in good faith. I forgot to add that I found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana , DOES NOT have a Oath of Office , Its like the XXXX XXXX down here. The whole proceeding is done completely unconstitutional, sounds like a Risk Management Suite to me. Last point to touch is that the Class Action, the Lawyers made Millions off of and I recouped {$.00}. Carringrton is currtently charging customers o Pay to Pay by the phone is and it back on now, they must have made a grip of money so what it they have to pay a fine.
09/21/2023 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 707XX
Web
MAJOR BILLING ERROR HERE because CARRINGTON MORTGAGE has told me that they are not the holders of the note, they said that the Trustee, XXXX XXXX XXXX XXXX ( XXXX ) is the holder. Carrington, please Explain why you said that you hired the said lawyers XXXX XXXX XXXX? CARRINGTON MORTGAGEs name is no where on the foreclosure proceedings and the only name listed or enjoined is XXXX, you cant do that by rule of law, I never knew who XXXX was until I researched it when the I found the Writ of Seizure on my door. FURTHERMORE, XXXX has confessed to having no legal or equitable interest in my mortgage, ( see attachment ), even though they are the trustee of my loan they really don't have anything to do with it, and they go on to say how busy they are with so many other loans ( probably bigger $ mortgages that the other consumer are not as knowledgeable and resistant to letting their houses just be robbed from them ). The truth is neither CARRINGTON OR XXXX has any legal right to Foreclose on my house, neither are the holders of the original wet ink signature note. Because the original note was cashed in the beginning right after closing ( breech of contract ), this has put the XXXX XXXX XXXX XXXX in a position of Constructive Contempt of court in the XXXX XXXX XXXX XXXX XXXX, Louisiana because they said that the note was not liquidate when the judge asked. This hides the bigger fraud that and Controversy that CARRINGTON AND XXXX are perpetrating on the entire country with the fraudulent worthless MORTGAGE BACKED SECURITIES being sold because of the fact that the note is cashed at closing and the Banks have to have possession of the original wet ink signature note to have the standing to sell the mortgage backed securities to investors, AS WELL AS to have the standing to bring a foreclosure on anyone through a court. The Honorable XXXX XXXX XXXX XXXX has foreclosed on me and my family, has done and by doing so has broken the law and caused millions of dollars in damage. I asserted my rights to rescind the mortgage, so it must be honored with in 10 days from the XXXX ( according to the original law ) since its on the land records. I must be paid back any and all proceeds plus fees and interest. I request that your answers contain all applicable laws referenced from US code, statue, Code of Federal Regulations, UCC, Federal reserve circulars, or any other legal means you can to back up the shell game two stepping nonsense that both CARRINGTON AND XXXX has tried to squirm out of giving and me all along and they have been playing the try to find who the owner is game. The Answer is the investors in the fraudulent mortgage backed securities or MBSs are the owners of the note, the investors cant bring a foreclosure, since the banks dont own the notes anyway. The problem is every the banks have the retirements of all the judges in EVERY district court invested as mutual funds in MBSs which is the biggest controversy and exposes the corrupt for profit private corporation fake courts, and the banks run the court. This is easy to prove but every time my complaint is removed from here. One of the real reasons for the Civil War was to bring mortgages in from XXXX XXXX. CARRINGTON IS A FRAUD, look at their XXXX XXXX complaints, look at CARRINGTON XXXX XXXX XXXX there is army 's of civilians really upset at the cold hand of CARRINGTON, the DEBT collector who never should have had my information in the first place ( The 1974 Privacy ACT, ( Identity theft ) ) and that is evidenced by the chain of title has been destroyed, its all in the Land Records, any one can see. The missions of the fraudulent Companies is to steal the land, MERS made a good attempt. I Demand a RESPONSE on this forum where everyone can see how you respond as it's posted to the honest world and my words will stand as truth once you don't respond. I reserve the right to arbitration or Federal suit. all of this is done in good faith. I forgot to add that I found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX DOES NOT have a Oath of Office , Its like the Wild West down here. The whole proceeding is done completely unconstitutional, sounds like a Risk Management Suite to me. Last point to touch is that the Class Action, the XXXX made Millions off of and I recouped {$.00}. Carringrton is currtently charging customers o Pay to Pay by the phone is and it back on now, they must have made a grip of money so what it they have to pay a fine.
12/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 63367
Web
Mortgage Holder - Carrington Mortgage Services LLC In XXXX of XXXX I submitted a request for forbearance due to associated impact from Covid 19. At the time I was current with my mortgage provider but I could foresee an issue coming soon as my overall pay from my employer was being greatly affected. I was advised online and by representatives of the company that options were available for me including loan modification. This option looked like just the answer for me, as it would put me into a 3 month forbearance while I work with the provider on the modification. This would be a huge relief also because it would allow me to skip mortgage payments for 90 days and get caught back up on all of my other financial obligations. I submitted the request online along with emailing the mortgage holder a completed copy of the Mortgage Assistance Package, XXXX Request for tax Transcript form, Pay Stubs, copies of tax returns, and recent bank statements. Once the process started I was told I could call in once per week for possible updates, if I wanted to keep on it and be proactive. From XX/XX/XXXX to XX/XX/XXXX I called in to the mortgage provider a minimum of once per week for possible updates. Each time I was advised a variety of the same similar updates ... " your modification is in underwriting pending review '', " Your on track and hitting all the milestones, you are just in review '', " Your title paperwork has been received back and has cleared, you are just in underwriting review '', " We are still reviewing your file, please check back in a week. It should not be much longer now ''. At total I called in for updates XXXX times, I also received XXXX auto dialed calls from the provider where I answered the call and received similar updates to what I have already described. Each time I called or received a call, I spoke to a different person. I begged repeatedly to talk with the same person or department, but was told that wasn't possible with their current pandemic set up. I even asked for the processed to be escalated to a manager XXXX separate times. As you can see I was trying to be very proactive about this process, and I kept on them weekly. In recent weeks it seemed that this process was getting stalled or not moving, but I was advised that there are many loans in the same process so things are taking much longer than expected. I was advised to be patient, and that I could continue to call back in weekly for updates. I understood this and the loan provider continued to extend my forbearance plan month to month. Finally my last call for an update on XX/XX/XXXX the representative explained to me that all of my efforts were for nothing. I was not permitted to do a modification on my loan. All of the previous reps who I spoke with were in error and should not have told me that. It was explained that possibly some how one side of the loaner provider was not communicating with the other, and mass confusion was causing delays and hold ups. It was also explained that I still needed to provide the mortgage assistance package. Keep in mind this is now the XXXX time I have filled this package out and sent to the loan provider. I also went online and attached the package to my file on the loan providers website. It was stated that now I would be under review for a repayment plan, once that would require me to repay the payments not made in forbearance over the coarse of a short time period. As I understand it XXXX payments total would need to be made up. I don't think this is fair... I was led to believe something for months that just wasn't true. How can it be that out of all of the people I spoke with ( XXXX in total ) could not have seen this issue and stopped me before this process went on for XXXX months? How can this happen? I went into this process current... I was looking for assistance to modify my loan to a lower more manageable payment during the pandemic. I needed a payment that would help with my reduced income. Had I know this would have been the result I would have ended the forbearance months ago and sought out other ways to keep my loan current. I was led to believe something by many representative that was not true. This company with their poor advice and lack of communication has now put me in a hole that I don't know how to get out of. I need help working with this company because I can't seem to get anywhere and I keep getting incorrect information and the run around.
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 63379
Web Servicemember
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Summary This is a brief summary of what is a lengthy series of one catastrophe after another. I will lay out in detail with documentation my report of the actual events and not what was erroneously reported to the credit bureaus. Recently I received a copy of my personal Credit Report. Upon reading through it I noticed that the report indicated the loan for my home in XXXX, Missouri was reported as discharged in Bankruptcy Chapter XXXX on approximately XX/XX/XXXX. Carrington has reported to the credit bureaus that funds were charged off and the loan Discharged through Bankruptcy Chapter XXXX when they were paid in full every dime as all my documentation will indicate. This data, also reported to the other 2 major credit bureaus, was and is absolutely false. I contacted XXXX and filed a dispute. A few weeks went by and I was notified that the dispute was closed. No explanation was given in regards to my accusations just that Carrington was not going to delete or modify the reported data. The names and the contact information of persons involved is included in the attached document or separately. My report of the facts On XX/XX/XXXX, my wife at the time, and I purchased a home at XXXX XXXX XXXX XXXX in XXXX, Missouri XXXX. We financed a loan amount from XXXX XXXX XXXX. A few years later our loan and a large group of other home mortgages were sold to Carrington Mortgage in XXXX, AZ. Our loan was assigned account # XXXX. In mid-XXXX my wife served me with divorce papers. Although the divorce was final in XXXX, she drug me through the judicial system for a total of 8 years. I was awarded {$2500.00} per month spousal support in the divorce decree along with the house and of various financial assets. In late XXXX she got herself intentionally fired from her very lucrative position with Mastercard. Her goal was to be unable to pay {$2500.00} per month support. She succeeded and on XX/XX/XXXX the court reduced her support to {$500.00} per month. The home loan up to that point was current. It was a financial struggle and possible foreclosure from that point forward. In XXXX of XXXX, I realized I was in trouble and faced losing my home. I went to my son and we discussed the issue and he withdrew money to get me somewhat solvent. On XX/XX/XXXX he wired {$10000.00} to Carrington Mortgage to get me up to date with my payments with the next payment due on XX/XX/XXXX. Im attaching a copy of the wire transfer of the funds and the letter of account re-instatement from Carrington Mortgage. In XXXX of XXXX, I realized that I was just postponing the inevitable that my financial situation was deteriorating and out of control so I contacted XXXX XXXX a Bankruptcy attorney, and began the process. We met and he laid out the process. I filled out all the necessary forms and we discussed the process and options. I opted to retain the house and had returned items that I could. I finished the necessary forms and returned them to the attorney. I have attached a copy of those documents. The bankruptcy was filed, adjudicated, and discharged on XX/XX/XXXX. I continued making the payments on the home every month. I paid the XX/XX/XXXX payment and decided to sell the home. In preparation for the sale, I had the home inspected. There were a few items that would have to be addressed prior to a sale. The total cost came to a few thousand dollars so I opted to do the repairs and take the 1 or 2 payments that I would miss out of the sale proceeds. The house sold and was closed on XX/XX/XXXX. Carrington Mortgage was wired a funds transfer of {$180000.00}. This amount is {$75.00} more than the balance due from their Payoff Statement dated XX/XX/XXXX. A copy of that Payoff document is attached. Closing In closing, Carrington has claimed the loan was Discharged in Bankruptcy Chapter XXXX in XX/XX/XXXX while they continued to collect almost {$16000.00} from the months XX/XX/XXXX - XX/XX/XXXX. How do you credit accounts, with payments, that are closed? In addition to IRS tax benefits for the charge offs for XX/XX/XXXX - XX/XX/XXXX. I can understand reporting to the bureaus that I was late in paying not that lost the whole amount of the loan when it was repaid in FULL! In addition, my credit has had this misrepresentation of my creditworthiness for 4 years now. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( see attached Court Order )
05/06/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 334XX
Web
I applied for mortgage forbearance due to COVID-19 under the CARES Act on XX/XX/20. At that time, I tried to cancel my upcoming automatic ACH payments but there was no option to do so, nor instruction on how to do that. I was able to alter the payment date to the XXXX of the month to give the application time to be reviewed. That alteration cancelled the upcoming payment for XX/XX/20 and changed the future date to the XXXX starting on XX/XX/20. I was approved on XX/XX/20 for an intitial 90-day forbearance, with the instructions I didn't need to do anything now. There was no instruction that I had to cancel my ACH payments. That wasn't listed in the approval letter I received, the approval email I received, or anywhere in my account, despite checking the selection stating " Click this box if you have AutoPay set up through Carrington that you would like to cancel. '' On XX/XX/20 Carrington automatically took my payment of {$2200.00}, without my knowledge of doing so. There is no reason for them to have done that, when I was requesting forbearance because I couldn't make my payments, and I had notified them I wanted my automatic payments cancelled. I just realized I was sent an email on XX/XX/XXXX, stating I needed to cancel my automatic payments, with the subject line " UPDATE : Your Request for Assistance ( COVID-19 ) ''. Nothing about what the purpose of the email entails. In the email, the reminder wasn't the first thing entered, it was simply the exact same wording as the first email I received with the following paragraph simply added to the middle- " BE ADVISED : If you have recurring payments, you will need to cancel the recurring payment to avoid having the payment processed. If you are currently enrolled in AutoPay through Carrington, please send your request ( and include your loan number ) via email to : XXXX to request a cancellation. If you have recurring payments set up through a different financial institution, you will need to cancel the automated draft through that financial institution. '' So that information and email address to cancel were seemingly created AFTER I had applied and was approved, without a direct notification of the change. Also keep in mind, had I not altered the automatic payment on the day I applied, they would have taken my XXXX payment BEFORE they notified me I had to cancel the payment on my own, but after they had approved the forbearance. I was also sent an email stating that I would still receive a monthly billing statement in the mail, but I did not have to pay. No mention in that of cancelling an automatic ACH payment in that either. There is also concern that Carrington 's policy is to hold partial payments in a separate account and not applied to the mortgage until the complete balance owed is paid. However, according to their statement, I owed 2 months of payments totaling {$4500.00}. When I asked for the refund, they said they couldn't give it because it was applied to my mortgage and would put it in default. That violates their own policy as stated on my statement. I have contacted them and have been told that they have changed their policy, without notification, to disallow refunds on all applied payments to accounts under forbearance, even if mistakenly done so. I was told this was because they couldn't process a refund that would put my account in default. But my account is in forbearance, it can't be in default, and it's already behind one payment, so this one doesn't affect that. On my first phone call I was told that their escalation team was the highest I could go to get a different decision, and that they didn't want to talk to me because that was their policy. I had to call back to get a representative that would send me to a supervisor. It's plainly clear that they have taken this course of action to get people to unknowingly make automatic payments, in order to mitigate the amount due in their accounts. The notification to cancel the payments is not given during the application process, in the forefront of any correspondence or information from them, whether it's on an account page on the website, emails, letters sent, or even their own webpage, either on their front page or in the section related to COVID-19. This is a significant part of the money I have to live off of until at least XXXX. It's not an inconsequential amount. Without it, I may have a hard time eating, let alone paying a mortgage.
02/06/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WI
  • 541XX
Web Servicemember
Three weeks ago, I received a letter from my ( former ) mortgage lender, XXXX XXXX XXXX, that my mortgage had been purchased by Carrington Mortgage Services, to be effective XX/XX/XXXX. Every day between XX/XX/XXXX and XX/XX/XXXX, I went to the CMS website to learn what my new account number would be, so that my mortgage payment, due on the XXXX, would not be missed, and to set up automated payments. According to their site, they were " unable to locate your account at this time, '' which was understandable. So, on the XXXX, I called their Loan Servicing number. Here is where the nature of my complaint and issues began. After entering the last four of my social security number, I connected with an agent. She then had me verify my social security number several times. Even though I entered the information and verified it, the agent stated that she has my loan information up on the screen and called be by another person 's name. It wasn't until after I told her she had the wrong information, after verifying both my name and social security number once again, did she say she doesn't have any information on me. I explained to her the mortgage purchase, to which she replied not to worry as I have a 60 day grace period, penalty free. I then began to conduct some research on CMS, going through numerous reviews and consumer complaint pages. Not liking what I was seeing, I went back to the CMS website and saw that they wanted complaints to be physically mailed ; working in XX/XX/XXXX, I believed that that would prove futile as there would be no record of my wanting information : having a digital copy makes good business sense, especially in verifying verbal information. Scrolling down, I did find an email address for " Customer Advocacy ''. I sent an email to verify the grace period, to try to get my account number, and to question how someone else 's information could come up and be presented after having verified my information. The response I got was for me to provide my CMS loan number or my property address. Nothing further was touched upon. I emailed the agent who had replied, giving him my address ; the response that follwed was for me to go to the CMS website, log in, and get my account number. This not only proved useless as the site still states " we are unable to locate '', but it also didn't address anything I had asked about or was in need of written verification. With that, I emailed the same agent again, repeating my initial email. The agent replied, asking for my phone number. Between my next response and this email, I called Loan Servicing once again. As before, I entered my social, verified it with the agent once I connected, and before he was able to speak I asked him to verify the name on the account ( I explained to him why ). Once again, it was that other person 's account ... same one as before. This time, the agent offered to change the person 's name to match mine! After I questioned the agent as to why he would do that, he then told me that my grace period was only until the end of the month ( XX/XX/XXXX ). As the new grace period was a far cry from what I was originally told, and with this agent offering to change the account holder 's information, I emailed my reply to the Advocacy agent once again. Besides asking about the last phone call, I explained in the email that I am writing and working with this from work, that I would not be able to speak at length on the phone as I was at work, and that email was my preferred method as it maintained a digital record of the correspondence. I finished by adding that it shouldn't be this hard to get written confirmation about the grace period. That was yesterday. This afternoon I received a response stating " I am unable to continue to try to assist you over email per our company policy ''. However, it should be noted that I am welcome to mail my payment. So then, after repeated contact with the company in trying to get written confirmation or verification on the grace period, after trying to get written answers as to how after giving my information another person 's account comes up, I felt that this is the next logical course. Please keep in mind that I am seeking written confirmation so that I have something documented in the chance that something should go wrong with my account, and that I only sought this method after having read dozens of customer reviews on the company.
01/26/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • UT
  • 84054
Web
We purchased our townhouse in XX/XX/XXXX, and upon closing we paid a full 12-month premium for our condo homeowners insurance policy - valid from XX/XX/XXXX until XX/XX/XXXX - through XXXX ( via XXXX ) XXXX On this policy, our insurance agency listed the address of our house with a unit number- which doesn't typically appear as the address we use to send and receive mail ( but does exist in the legal description of our property 's subdivision allotment on the deed ), and they also did not list our mailing address with the preceding " South '' before the street name - since their system autocorrected our address to not have the preceding " South '' and wouldn't allow them to adjust our address to " XXXX XXXX XXXX XXXX ''. This was never an issue for our initial mortgage company and everything was fine until our mortgage was transferred to Carrington in XXXX XXXX. ( I also want to mention that it seems Carrington 's own system has the same issue as XXXX - since every single one of their letters is addressed to " XXXX XXXX XXXX '' rather than " XXXX XXXX XXXX XXXX '' ). In XX/XX/XXXX, we received one of two letters from Carrington asking us for Evidence of Insurance- which we provided as requested through the company that handles insurance verification for them ( XXXX ). The letter stated that Carrington had purchased hazard coverage on our behalf ( with a premium over 600 % higher than our current policy ), and that we would be forced to accept this coverage if they were unable to verify our insurance- so of course we quickly submitted proof that we indeed already had coverage and would not need this Carrington purchased policy. We then received a rejection notice stating that they were unable to verify our coverage- so we called to speak with them about the issue, and after going back and forth with both Carrington and their insurance verification partner ( XXXX )- they said this was due to an address mismatch, since our policy address didn't list our address as " XXXX XXXX XXXX XXXX ''. They then sent us on a wild goose chase to track down this " 911 form '' from the USPS, that we ultimately discovered does not exist. Apparently without this form, they were unable to verify our insurance- since the address listed on our policy was missing the preceding " South '' before our street name. After calling Carrington again to explain that this form literally does not exist ( at least not through USPS ), and having the agent on the line XXXX this herself to prove it - she proceeds to put me on hold and speak with someone offline, and when she came back to the line- I was told that they would get it taken care of and that there was nothing additional we needed to do. Fast forward to XX/XX/XXXX ... Up until this point we had been paying our monthly mortgage payment with no problems. The payment amount had not changed at all ; however, when we received our statement for XX/XX/XXXX- we were shocked to discover that our mortgage had increased by nearly {$1000.00} a month, and after reviewing our escrow analysis - this substantial increase was due to the fact that Carrington was charging our escrow account nearly {$400.00} a month for the hazard policy that they had purchased on our behalf - dating back to XX/XX/XXXX. Upon further investigation, we also discovered that Carrington had not paid to renew our policy with XXXX in XX/XX/XXXX- essentially forcing us to pay for the hazard policy they had purchased on our behalf ( without our consent ) from XX/XX/XXXX until XX/XX/XXXX. It should also be stated that our previous policy was valid until XX/XX/XXXX - so we essentially had double coverage during that period of time as well, and Carrington has thus far refused to recognize our initial policy that was valid XXXX XXXX. After calling both Carrington and their insurance verification vendor to discuss the issue, we were basically told that there was not much more we could do to fix the issue. We requested them to cancel the hazard policy they had purchased without our consent, and we provided a new policy that we had renewed ourselves with XXXX ( again via XXXX ). They said that they would look into how much ( if anything ) we would receive as a refund- if they decided to accept that we had coverage from XX/XX/XXXX until XX/XX/XXXX, but that we would be required to still pay for the hazard policy they had purchased from XX/XX/XXXX until XX/XX/XXXX.
07/13/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08046
Web Older American, Servicemember
In XX/XX/XXXX i made another complaint about this company. I was concerned about this company taking my payments and attempting a foreclosure anyway because i hadn't receiving any information from them. After i made the complaint i received a call saying to make the final test payment and the re-modification documents would be on the way. A few weeks afterward they came and i had them back to them within 24 hours. I expressed as i had many times my XXXX about finishing this business. I was told to wait and it would be done. Two weeks later i was told the documents didn't pass their inspection but was not given a reason. It would have been simple to just write it in the same email and the documents would have been corrected and sent again quickly but i was told to call. I called several times but could never reach this person XXXX XXXX to tell me the problem. I finally spoke to the first person who agreed to tell me the problem. This took two weeks. I sent the documents back again within 24 hours and waited a week and heard nothing. I was told over and over when i called to just keep waiting and nothing else. In XX/XX/XXXX when i reached someone they claimed nothing was happening because they were waiting for more payments. This could have simply been told to me the 5 plus times i called but it was not. I was chastised for not knowing it was on a document i read months before. In the meantime i suffered a financial loss when my bank account was hacked and i didn't have access to my account. The bank was convinced it was friendly fraud and i had something to do with it and didn't believe i didn't. I was going bank and forth with them about this issue for months. My son agreed to make the payments for me but he wanted assurances from this company that they wouldn't try anything negative while he caught the payments up. They refused to give him these assurances. I finally convinced him and told him i would recoup his losses once i recovered my lost money if it came to that. I attempted to make the payment on their app to avoid long waits on the phone but there were other problems. The app or perhaps my phone glitched out and the transaction couldn't be done. Finally i got almost everything correct though one problem persisted, the amount. {$19000.00} was in the payment field and i couldn't change it. In the process of trying to fix it the transaction went through as is. I immediately called them and was transferred to someone named XXXX XXXX who claimed to be a supervisor. He claimed to have spoken to me at one point in the past but he didn't know what was happening so i explained the long course of events. I explained my deep concern that his company was not dealing honestly and he claimed i was worried for nothing. I told him all the payments would be caught up within the next 5 weeks but he claimed it wouldn't matter. He refused to cooperate and said he would talk to whoever was over him and ask to recalculate the amount and send me documentation again which i needed to sign. I said i would be waiting but i received nothing but a curious email asking me if my finances were the same as before. I have since this company had this account sent dozens of bank statements with the same amount of income and documents proving i get the same amount of income every month and will for the rest of my life. It was documents from the social security administration and the veterans administration that i will in fact receive this income in perpetuity. If he reviewed the file and he is in fact a supervisor he knows this. I could assume it was an oversight or a formality but this company has not dealt fairly from the start. Their only interest from the start was not for me to get the account current but to foreclose, period. They want the account be in default so they have their reason. Otherwise they would have finalized the re-modification so i can make the payments normally and move on with my life. And as i have feared i was told because i didn't answer an email that my house was in foreclosure even though they refused to take my payments so we can finish this sorry business. This company dragged me through this XXXX is an absolute outrage and has to violate the law in somr way. I will also be sending a complaint to the FTC and attorney general because this should not be happening.
04/30/2018 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • IN
  • 46214
Web
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX IA XXXX RE : Carrington Mortgage XXXX XXXX XXXX To Whom it May Concern I am an XXXX XXXX single mother of XXXX amazing children, ages XXXX and XXXX. I am reaching out to the CFB to obtain a complete understanding of my current mortgage loan with Carrington Mortgage Services and determine if I truly owe an additional {$27000.00} on my home loan. In XX/XX/XXXX, my now ex-husband lost his job putting us in a very difficult financial situation. As a result, we filed for a loan modification with our lender, XXXX XXXX XXXX. XXXX approved our modification on XX/XX/XXXXwith the following terms : - We would owe an additional {$26000.00}, which would be included in our new total balance of {$100000.00}. Payments would begin on XX/XX/XXXXat {$720.00} per month until XX/XX/XXXX On XX/XX/XXXX my divorce was finalized, granting me sole possession of our home. Although these past three years have been difficult for myself and my children, we remained focused and worked hard. I have continued to make timely monthly payments to XXXX since XX/XX/XXXX. I was fortunate enough to save up enough money to purchase a home for just me and my children. A fresh start. On XX/XX/XXXX I received notice that my loan would be transferred to Carrington on XX/XX/XXXX. Although no account balances were listed on that notice, I do have a payment ledger showing a balance of {$87000.00} as ofXX/XX/XXXX from XXXX During this time I had already begun preparing to list my house for sale. I was pre-approved on XX/XX/XXXX for {$200000.00}. Shortly after that, I received a random call from XXXX XXXX at Carrington indicating that I owe an additional {$27000.00} towards my loan. However, he stated that XXXX did something wrong so Carrington is correcting their error by waiving that amount in full. XXXX stated that he would waive the $ XXXX if I refinanced my loan with Carrington. The new loan would be solely in my name, which would also eliminate the need to involve my ex-husband in the sale of my home. I indicated that this seemed questionable so I asked him to send me verification of this balance. He told me he didnt have anything in writing but could send me a screen shot. I told XXXX that I needed to do some research on this but I would call him back. After doing some research, I was still hesitant so I reached out to XXXX to confirm the information he promised. He again confirmed the interest would be waived and assured me it would not affect the sale or purchase of my new home. He even offered to meet me on Saturday XX/XX/XXXX to finalize the ppwk. Meeting outside normal business hours again seemed odd to me, so I began to include a Carrington supervisor in my correspondence after that. Again, my entire concern was that out of nowhere, someone from Carrington contacted me and stated I owed an additional $ XXXX towards my loan, but no worries, well write that off. I believed that this was a blessing that I never knew I needed. I decided to reach out to my realtor, who accompanied me to Carrington on XX/XX/XXXXto finally meet someone in person who could answer my questions so we could move forward with the process. XXXX again assured me that the process was simple, they do waivers all the time for balances extremely higher than mine. Carrington even promised to reach out to my ex-husband to sign off on the needed ppwk. I completed and provided all of the additional documents to Carrington onXX/XX/XXXX. I followed up with Carrington onXX/XX/XXXX and thats when XXXX replied stating he didnt want to be the bearer of bad news but my waiver was denied. I immediately began inquiring about the waiver process, only to receive very vague answers. At this point I am completely frustrated and I have no idea how to proceed. After everything my children and I have gone through, we cant afford to just accept an additional {$27000.00}. Carrington reached out to me, made several promises and now they are trying to retract everything they told me. I would love the opportunity to speak to someone in detail about this matter. I have so many questions like how do I proceed? Was Carrington acting ethical? Do I indeed owe {$27000.00}? I would be truly grateful for any assistance you can give to help fairly correct this matter.
02/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • XXXXX
Web
To whom this may concern This is the second complaint I am filing with carrington mortgage. I feel though my first complaint has not been answered these are issues that have been happening and are still ongoing. Issues with carrington mortgage Part 2. I never received notice my mortgage was transferred Carrington wasn't reporting my Loan until 3 weeks ago when they finally showed up on my credit report. They are reporting me 60-90 days late. They also are reporting that the loan is 9 years and 2 months old. It's saying opened since XX/XX/XXXX which is inaccurate. Carrington is NOW telling me my loan was behind when it was transferred. I spoke with XXXX XXXX XXXX. And they confirmed that my loan was up to date when it was transferred. I was able to access in account online. And it was very confusing. It's showing a unpaid not made on XXXX I was still a boa customer. In fact I made a payment to boa on XXXX. And the XX/XX/XXXX payment still is not posted to my account. So as of today almost 2 months later that payment issue is still not resolved because my account online does not reflect that I still can not make a payment online. Is my 1098 from carrington is not accurate. Payments are not reflected on the interest. - just looking online at my payment history by the interest paid by the payments received my 1098 should read XXXX paid to date. Yet it reads XXXX. - XXXX reports from my XXXX XXXX interest paid to date - Between both mortgages I paid a total of XXXX. With a average of XXXX paid of interest per month - I still do NOT understand or have any explanation from any representative for claiming my loan is delinquent even after consistent emails, phone calls and follow ups. From looking in payments made to carrrington, I have 3 payments made to them on XXXX XXXX XX/XX/XXXX XXXX. Yet my 1089 from carrington does not reflect that And the most recent payment I sent by mail on XX/XX/XXXX. If my loan started on XXXX. That would be 5 months intern with carrington. On my end I owe carrington XXXX addition payment To be up to date. I still have not received a account statement and have never received a statement on a breakdown of my loan Carrington is leaving unsealed, hand deliver notes on my door with all my personal informations I received several letters from carrington all conflicting. From suggesting I have property damage to mortgage assistance All which I faxed over to Carrington with concerns I am constantly being told of in danger if foreclosure when all I want it to pay my mortgage and my account to be accurate. You can not email Carrington. Not even they they website. You can not upload documents with proof or concern you can only fax and even then Carrington will not confirm documents are received They also claim they can not make outgoing calls when requested Since XXXX I been working With a associate XXXX XXXX on getting my account update. I requested since there's so many issues that I only Want to speak with her reguarding my account until all issues are resolved which she understood and agreed. I still get and are getting constant calls for other agents from carrington. My last payment was made XX/XX/XXXX which I sent by check and a required signature since my bank blocked any Carrington payment because of the unauthorized attempts in XXXX My bank flagged them as fraudulent. Till this day I do not even know where my account stands. I get conflicting stories even time i speak to XXXX XXXX of other issues. Looking over my account statement online I was charged fees that nobody can explain to me and fees which I did not agree to. Every statement since I been with carrington I was charged a XXXX for a home inspection. I was always charged a XXXX service fee to make my payment online. Neither of these fees existed were my originated from XXXX XXXX XXXX. Fees only started when carrington took over my mortgage Carrington also stated I am delinquent From XXXX from my online statement yet I was still a XXXX XXXX XXXX. I made my last boa payment on XXXX Lastly Called XXXX XXXX XX/XX/XXXX to confirm payment as disscuss Left voice mail for call back Additionally Called XXXX - XXXX XXXX Followed up with 3 email addressing concerns With no emails or call back
12/07/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MT
  • 598XX
Web
XX/XX/XXXX To whom it may concern, I am writing you today to file a complaint against Carrington Mortgage. I applied for the Covid Forbearance on XX/XX/XXXX. While on forbearance, my account was marked as overdue. They stated that if I didn't bring my account current by the end of my forbearance, in 90 days, they would be reporting me to the credit bureau and my account would be reported to the lost mitigation department. I could not believe that they were penalizing people that legitimately could not make their payments and yet were approved for forbearance. I was only behind on 2 payments for a total of {$4500.00}. Note : My loan was sold to Carrington Mortgage without my approval and they referred themselves as a debt collector. I was told by the manager that my only option was the " Stand alone recovery partial claim '' in which I needed to call in and make additional payments every month. If I failed to make these additional payments every month, after 90 days, I would be reported to the credit bureau and my account would be referred to the lost mitigation department. I requested information but the manager refused to send me any literature supporting via mail or email supporting these claims. At that point, they referred me to the home retention department. I still do not understand what the stand-alone recovery option is. I reached out to a local housing counselor, and she stated that I have the following 4 options for repayment : Repayment plan, deferment, modification, or reinstatement. None of these options were presented to me by Carrington Mortgage. I later spoke to a representative in the home retention department who suggested I sign up for the stand-alone payment option in which I would take out a second loan that would be added to the end of my initial loan with the same initial percentage rate. To me this sounded a lot like a loan modification. Before I agreed to sign up for this option or any of the option, again I requested information regarding the options. She too refused to provide me any literature via email or mail. I told her I would have to get back to her to do some homework before I signed up for any repayment option. Overall, they refused three times to provide me any literature in which I could make an educated decision about the repayment options. I spoke to a housing counselor in XXXX and she provided me with all the information I needed and suggested that I file a complaint with the Consumer Financial Protection Bureau or the Federal Housing Administration. I did my own research and discovered information regarding the Cares Act, which states, I am eligibe for 180 days worth of forbearance. This option was never presented to me. They even sent me a letter stating my covid forebarance was expiring on XX/XX/XXXX, six months after I intially applied. After finding this information, I went back to their web page and applied for an extension of my forbearance. On XX/XX/XXXX, I went online to make my payment, only to discover they removed my ability to make on-time monthly payments. Rather I had to call the company and pay over the phone to make this payment. I called the company on XXXX to make my payment. I asked her why the online payment option was removed and she said it was because my forbearance period had expired on XX/XX/XXXX. In my opinion, this is wrong in that they are deliberately messing with my ability to make timely payments in addition to wrongly supporting the Cares Act which states I am eligible for 180 days worth of forbearance. On this call, the representative told me that I had {$2000.00} in unapplied funds that I could use towards my payment, but she would not tell me where it came from. Thus at this point, I chose to use this {$2000.00} and paid two months worth. I am only one month behind, or {$2200.00}. Up to this point this company has been extremely difficult to deal and has made it very hard during a time when I needed the assistance. Respectfully, I request that my loan be transferred to a reputable mortgage lender such as XXXX XXXX XXXX XXXXXXXX, or XXXX XXXX with my approval. Please feel free to contact me with any questions and thank you for your time. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • OH
  • 43081
Web Older American
My mortgage payment history is not being accepted or reported by XXXX. This credit bureau is the only credit bureau refusing to accept my payment history from my mortgage company, Carrington Mortgage Services , LLC . I have contacted XXXX regarding this issue several times over the past few months, I have spoken to staff and supervisors on the following dates : XX/XX/XXXX & XXXX XX/XX/XXXX & XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Promises have been made, but the issue is still not resolved and it is hurting my credit. I have been volleyed back and forth between my mortgage company and XXXX. Carrington sent me a letter on XX/XX/XXXX indicating that the problem is XXXX. Or is it Carrington Mortgage Company? I received a letter from Carrington on XX/XX/XXXX saying they will get back to me my XX/XX/XXXX. I don't have confidence in either company. I hope that CFPB can resolve this issue so that I credit is protected and reported correctly. My social security number and addressed has been verified each time. This letter is primarily directed at XXXX because they have broken every promise to resolve the problem. Just to give you some history. This has been a problem for months and poor service from XXXX. On XX/XX/XXXX, I spoke with XXXX, a " supervisor '' with XXXX. She was rude and she refused to escalate my complaint or provide her supervisor 's name and contact information. I explained that I have a letter from my mortgage Carrington Mortgage Company stating that they are accurately reporting my mortgage payment history to 4 credit bureaus. Since XXXX, I have had pleasant conversations at XXXX. I have talked with XXXX, XXXX, XXXX and XXXX and couple of other people. But no one has resolved the problem on any of the dates that are of record. TODAY, XX/XX/XXXX, I spoke with Supervisor XXXX at XXXX Dispute Department XXXX. He asked me to call Carrington Mortgage company, and have them call XXXX XXXX XXXX XXXX at XXXX. Why am I being bounced back and forth? I need help from agencies with the authority to intervene on my behalf. I have contacted my county auditor, and county attorney general. I also sent the same certified mail and called XXXX, and was told that I need to file a complaint against XXXX and Carrington Mortgage Company. I am an XXXX XXXX. On XX/XX/XXXX, I turned XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided XXXX with my driver 's license, auditor report, payment history for past 12 months. I have provided XXXX with proof " mortgage payments '', an escrow statement. Everything indicating that I own my home/condominium. This is what XXXX asked for and I provided it. I obtained a mortgage for this property in XXXX. I pay my loan to Carrington Mortgage Company. My condo consists of 3 bedroom, 3 full bathrooms, Kitchen, great room, utility room and 2/1/2 car garage. It is a condominium. I have attached the county auditor report, which pays my taxes to Carrington Mortgage company. The payment is public record. I am filing a complaint against XXXX with the CFPB XXXX Consumer Financial Protection Bureau. Please resolve this issue. My score with XXXX is XXXX points lower than other credit reporting agencies : XXXX, XXXX, and XXXX. They are doing an excellent job of including my mortgage payments. I am working hard to resolve credit problems from a divorce 10 years ago, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am recovering from a pandemic. My mortgage is in good standing, and I am proud of making extra payments on my mortgage. I just paid off a 2nd car that I own. I have some credit issue to resolve and I am getting issues resolved. I want XXXX to treat me fairly and to stop giving me the round around. Thank you very much for your time and consideration. At your earliest convenience, I look forward to hearing from XXXX regarding what you can do on my behalf to resolve this unfair treatment by XXXX Credit Bureau who has broken every single promise to resolve the problem. Will you contact XXXX and Carrington Mortgage Company and get them working together? I bought my home almost 20 years ago. This is not reflected by XXXX and it should be on the report.
04/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WI
  • 54703
Web
This is my second complaint about Carrington Mortgage and specific to my current problem although past problems have not been properly addressed. This problem is specific to an immediate need to stop a foreclosure sale on XX/XX/2019. Carrington has had me fill out RMA 's ( Request for Mortgage Assistance ) several times in past 6 months. They send a letter saying the packet is complete, it goes to underwriting, then they request additional information, I send information and then receive a Loss Mitigation Cancellation Notice. Then we start again with new RMA and the same thing happens again and again My current urgent problem starts on XX/XX/XXXX when I sent a RMA to Carrington with additional documents as before. I was calling in weekly to check status and I thought all was complete by XX/XX/19after a process of sending documents needed and talking to Carrington Employees. I received notification written onXX/XX/2019of a sheriffs sale on XX/XX/XXXX. I was told in my calls to Carrington that my Loan Modification packet completion would avoid this sale taking place. I continued on with focus on getting this modification complete. I called to CMS to check in on the loan on XX/XX/19, I was told of four additional items needed I would have a complete package. These items were 1 ) Rewrite my profit loss forms to show expenses 2 ) Last filed tax return 3 ) Bank Statements showing Social Security deposits 4 ) Other income from 401K account I was not given a deadline for these documents, I stated I would get these soon. I gathered the documents and they were sent within 3-4 business days. I called CMS on XX/XX/2019check status of loan and I was told Loss Mitigation was cancelled because the 4506T form was not checked in signature box and this left packet incomplete. I tried to tell them that this is not a fact to check on the document upload on thier web site and they can see this was completed with box checked on XX/XX/19. I could not get any cooperation from them as I said I was never notified of a problem when I spoke with someone on XX/XX/19this 4506T was complete and there is proof of completion on their document upload. I called again on XX/XX/2019along with a HUD agent on the line and spoke with Teller XXXX, He looked at form and said this was complete but maybe it was the signature line that looked altered and I would have call back the next business day as loss mitigation was out of the office and that is who I should speak with. I called CMS on XX/XX/XXXX as instructed by teller XXXX. The person I spoke with in loss mitigation asked me to send the entire packet today all together and they would review it. I did as instructed and sent the entire packet together that afternoon. She stated since this packet was complete resending it all at once would let them reopen the loss mitigation. I called CMS on XX/XX/XXXX, and spoke with Teller XXXX who informed me they were not even going to look at this packet this close to sale date. I tried to communicate the point that my packet started on XX/XX/19was complete, this started long before sale date was even notified. I could not get them to understand or even consider my request. I also asked to speak with supervisor XXXX who was just not understanding or did not care what I had to say. They were selling on the XXXX of XX/XX/XXXXand not discussing this further. I also tried to reach XXXX XXXX, A customer advocate at CMS but he did not return my call. Through out the month of XX/XX/2019, I did not receive any notifications of missing documents to my home address. I did not know items were needed until I called to ask CMS employees progress of my modification. I also do not understand why they could go ahead with foreclosure while I was working with them and they have 2 complete and finished RMA 's with all documents as requested. ( summary of documents sent attached ) I did not get notified of the cancellation of my request on XX/XX/19. I was never called, or sent any letters. They make promises and lie to you and request information that they have no intention of using. They must be held accountable to on some level for their actions. I just want to bring my loan current and pay my house payment. Thank You for your time.
01/25/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32208
Web
Hello my name is XXXX XXXX, and I have a mortgage with Carrington Mortgage Services Loan number XXXX. My mortgage payment for the calendar year XXXX was {$870.00} which consisted of Principal {$190.00} Interest {$270.00} Escrow {$410.00} Previous years my homeowners insurance annual premium was around {$800.00}. Carrington and the insurance company forecasted my premium to go from approximately {$800.00} to around {$1700.00}. I am a Florida resident and there have been many reports of many homeowners insurance companies closing in Florida. In XXXX of XXXX my insurance company at the time billed me for a {$4200.00} annual premium. Carrington paid it and that payment left negative balance of - {$3200.00}. In XXXX I received word that my insurance company would be closing and I would have to find another insurance company by XX/XX/XXXX. I was able to get a new insurance company and my annual premium is {$1100.00}. I informed Carrington as well my insurance agency who the new company was and the annual premium. I paid the premium out of my pocket because I have had accounting problems with Carrington in the past. I also began paying down the deficit in the escrow. In a letter dated XX/XX/XXXX Carrington sent me an escrow analysis that my upcoming mortgage payment for the calendar year XXXX that would be {$1200.00} which consists of Principal and Interest {$460.00} Escrow payment {$500.00} Shortage payment {$290.00} I knew on my XX/XX/XXXX mortgage statement which I received electronically around XX/XX/XXXX I still had an escrow shortage of - {$660.00}. There was a shortage due to Carrington paying my property tax of {$1000.00}. I mailed off a mortage payment on XX/XX/XXXX that included an extra {$1500.00} to go towards my escrow shortage. The existing {$410.00} escrow payment plus the extra {$1500.00} should have left a positive balance of {$1200.00}. Carrington didnt calculate the payment correctly and they put the extra {$1500.00} towards the mortgage payment. I contacted Carrington around XX/XX/XXXX to correct the accounting error which they did on XX/XX/XXXX. Carrington adjusted my mortgage payment to {$1100.00} which consists of : Principal & Interest {$460.00} Escrow Payment {$500.00} Shortage Payment {$170.00} My escrow balances for XXXX and XXXX are as follows : XX/XX/XXXX + {$1500.00} XX/XX/XXXX + {$670.00} XX/XX/XXXX - {$59.00} I dont understand how Im still being assessed shortages in escrow when there were none, and they have been using deceptive accounting practices. I have called Carrington on XX/XX/XXXX XXXX p.m. and spoke with XXXX and XXXX the escrow XXXX. I was told to send proof of insurance to that the escrow numbers can be recalculated. I sent the proof of insurance and so did my agent and cconfirmation was recieved XX/XX/XXXX and XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX at XXXX am to reiterate my mortgage payments have not been correctly calculated. In XXXX of XXXX my escrow analysis and mortgage payments were not calculated correctly and I was forced to pay {$1100.00} which includes an escrow shortage that doesnt exist. Using Carringtons formula my monthly payment should be somewhere closer to {$700.00}. Which consists of Principal and Interest {$460.00} Escrow payment {$240.00} Home Insurance {$1100.00} / year {$92.00} / month Property tax {$1000.00} / year {$90.00} / month FHA mortgage insurance {$59.00} / mo ( ends XX/XX/XXXX ) Carrington refuses to correctly calculate my monthly mortgage payment. I called Carrington on XX/XX/XXXX at XXXX pm and spoke to XXXX. He assured me that escrow analysis should be complete on XX/XX/XXXX. I checked my mortgage payment and nothing has changed. I called Carrington on XX/XX/XXXX at XXXX pm and spoke to XXXX and explained the situation and expressed my frustration with Carrington not being able to correctly calculate my mortgage payment. XXXX agreed that I am not wrong. She spoke with the insurance department and they told her I should have my insurance agent to call their insurance department. Which my agent did and nothing has been resolved. My mortgage payment jumps from {$870.00} to {$1100.00} without a suitable explanation and they refuse to fix it or present a plauisble reason.
01/16/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 23456
Web Servicemember
I am filing this complaint due to the neglect, lack of communication and the nearly impossible position Carrington Mortgage Services has placed upon me and my family. During Covid we had a forbearance, once the forbearance stopped Carrington informed me and my wife the next steps would be to see if we could streamline the paperwork for a modification. Never had gone through anything like this, it appeared as if they knew what they were doing. They gave us a 90 day waiting period, as the underwriters were backed up, at least thats what we were told. During this 90 day waiting period we did not realize they were going to report to the credit companies that we are behind on mortgage. We did not understand why this was taking place if we were told we have to wait for the underwriters to make a decision. Nonetheless, it was beyond the 90 days, we kept calling they kept telling us the underwriters are backed up. After almost 5 months of waiting we were told we were not eligible for a streamline and we would need to submit paperwork. This paperwork they needed went on for almost a year. We would submit, they would reject, we would submit, they would reject. Meanwhile the payment for our home is going up and we were always told that while it is in the review process we can not pay our mortgage. We asked multiple employees of Carrington to help us, please walk through the paperwork with us or just tell us what we need. Sometimes we would get someone who we thought was leading us in the right direction, however never really getting clear answers and coming up short. They eventually told us that we should consider just foreclosing and they started the process to try and do just that. We were so confused! What originally set out to obtain assistance due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finally after my wife submitted a complaint and with many prayers the company decided to extend us an offer. It appeared as if it was an offer. Carrington stated that if we paid {$3100.00} for the next three months ( trial period ) they would then be able to provide us with a permanent modification. We were devastated because our normal mortgage is {$1800.00}, but felt as we had been backed into a corner. We struggled to make the first payment, especially since it was around the holidays, XX/XX/2022. Since taking on this extreme request from Carrington just to keep our home I have been unable to maintain my other bills such as car payments, utilities, the dogs medical bills and even my sons baseball cost that is needed at such a crucial point in his life as he is attempting to enter collage playing baseball. Not only has this position put my finical situation into a hardship but my mental health seems to be declining as well. As I was preparing to make the second payment, weeks prior, I noticed my interest to do anything has been declining, I have found it difficult to interact with others and I really just want to sleep all the time. Once the day comes to pay the {$3100.00} my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned that dealing with this agency will only worsen my symptoms. I am fully aware that we need to pay back what was not paid during the Covid forbearance, however I find it very difficult to believe that this is what you or anyone else had in mind when asking for help. As a veteran, it seems they appear to be a predatory company, as I have not seen any effort to help those that have taken out their loans under the VA as myself. Unfortunately, the idea to pay such a high amount of {$3100.00} is not working because as you can clearly see I believe that I am under XXXX and experiencing financial and emotional hardship. I am disappointed because the idea was to help us and what has happened thus far to try and do just that has actually done more harm than good. To resolve the problem, I would appreciate it if we could look to returning to our original monthly mortgage payment of {$1800.00} and putting the remainder of what we owe in the back end of the loan. I look forward to your reply and a resolution to our problem. Thank you!
11/18/2022 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • FL
  • 32210
Web Servicemember
Around XXXX of this Year I was closing with XXXX XXXX XXXXXXXX. They had a really good interest rate for me under XXXX. A couple of days before closing they call XXXX to Verify payoff and they were told mortgage was already paid off. But nobody knew why or who. 2 weeks later we found out it was Carrington mortgage who bought the loan from loan care. We contacted Carrington and at this time they do not have information on my loan it ended up being another couple of weeks. Now there are extra fees and all sorts of stuff added to mortgage my payment got taken at loan care to pay a transfer fee, I never asked for the mortgage to be transferred then Carrington is charging extra fees. And I lost my rate on mortgage. So then I complain to Carrington and they told me I would just do the refinance with them that they couldn't give me that low of a rate but they would give me a XXXX and they pay my closing cost for the troubles they put me though. so when I got the rate sheet he had the low rate but he had closing cost and a rate buy down. I said ibwas getting XXXX and no closing cost you at XXXX with high cost for closing he assured me XXXX Carrington was paying the closing cost. He even had his XXXX get on the phone. They said they were never supposed to touch the house since we notified them we were closing a loan. He went on to say that XXXX XXXX tends to dump mortgage right before closing because books are messed up. I kinda agreed since they took several payments of money and never gave me credit. Transfer fees lawyer fees. The guy at Carrington said that they were paying my closing cost and would get me a small check back at closing for all my troubles. They never notified me about the transfer the loan. Which he said was supposed to be done 30 days before. But they knew I was getting a mortgage and they wanted to not let me knew he said we should close in about XXXX to 10 days and everything be alright. Then 10 days past 20 days past. What's taking so long I asked he said they were backed up clear to close anyway everything is approved and good. Do I need to make a payment no jot right now it will mess up the XXXX. We should get clear to close anyday anyway. Then another 20 days go by I get a paper to sign with higher closing cost what is this i ask we had to extend rate we had to pay to keep it low. Don't worry Carrington is paying. Man it's been a while I got a bank that can debit right now he can send a guy over and we can close in 3 days. Carrington said anyway now just waiting on title company. XXXX I make a payment it's been a while yes but just pay this amount no need to pay escrow and all I'll have to send you another truth and lending another sheet with higher closing cost for me to sign. I asked it's now may almost since XXXX. We should have tomorrow they waitnf on Carrington to pay the closing next day sorry we can't close Carrington was willing to pay when I was a couple of months ago but now it's to expensive, and you need to pay your mortgage tomorrow and your escrow which you owe twice as much your monthly payments are now also going to go up XXXX a month now I am way behind they keep adding fees and want help me. We couldn't work due to hurricane they said who cares Carrington is trying to steal my house they tell me to do this forbearance then this one now they say I don't qualify for modification and I can't keep my house but I did everything they asked me too and then they keep basking for b fees and reporting me delinquent when they the ones who put me here they told me not to make those payments they told me to file this forbearance and all they want talk to me they keep saying if I don't do this they going XXXX XXXX on me they blocked me from a refinance and then when. I could of had so many banks that would of gave me an XXXX Carrington XXXX XXXX along for 4 months when i said I was going ro go-to another bank but they pay your closing cost, they want pay your rate down. And we giving XXXX back at closing. It just be another day or so. A friend of mine in mortgage said when they buy the mortgage from another they out so much money so if ibwas refinancing they would lose it all their money please help me
03/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
Carrington Mortgage Services LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/XXXX we started a short sale with Carrington Mortgage Services ( CMS ). On XX/XX/XXXX CMS claimed their XXXX came in at $ XXXX and they countered the buyer to that price. We sent to CMS the Contractors Bid and the Home Inspection Report for them to review for a Value Dispute. CMS responded by countering the buyer even higher at $ XXXX. Keep in mind that the Contractors Bid called out $ XXXX in damage to the home, and that does not include the severe issues to the foundation ( See Home Inspection Report, attached ) which will require an engineers report and bid. When you provide evidence to a lender that there is $ XXXX in damage to the home, as well as severe foundation issues, ask them if their XXXX agent took that into account which they refuse to answer, and they respond by countering even higher than they did before, it becomes readily apparent that CMS makes up their own values. It is obvious that Carrington is refusing to review the extensive damage to the property so that they may do a deed-in-lieu ( which by the way is NOT possible as there is a 2nd TD on the property, though CMS claims they negotiate these with the 2nd TDs all the time ) in order to be able to transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves. Refusing to give an appropriate value for the property in order to prevent the short sale from taking place is FRAUD. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels within CMS. This is NOT the 1st time this EXACT COMPLAINT has been made against CMS. Not only are there thousands of other people that have filed complaints for these exact reasons, but we too have already filed complaints against CMS for these same reasons. Please see attached CFPB complaints : # XXXX, # XXXX, and # XXXX. I am sure CMS is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help. 1. Carrington forecloses on properties for their own gain, and defrauds their investor out of a valid payoff of their loan 2. Carrington forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves Please read # 2 again CMS HAS THEIR OWN RETAIL DIVISION THAT WILL LIST AND SELL PROPERTIES TO THE BENEFIT OF CMS. THEIR ONLY GOAL IS TO FUNNEL ALL THE LOANS THEY SERVICE INTO THEIR OWN COMPANY FOR THEIR OWN FINANCIAL GAIN. We know that CMS has no intention of reviewing this property for a short sale. They never did. They instead want to foreclose on this property and send it to their real estate division which will collect money on the real estate side by listing and selling the property themselves and get paid a commission for the sale. THIS HAS BEEN THEIR GOAL FROM THE BEGINNING. 1 ) We are requesting the CFPB fully investigate CMS and their real estate division because we know from past experience that the actions they are taking are widespread in XXXX California. Their goal is to further profit by selling the home themselves within their own real estate division. 2 ) We want a copy of the XXXX done, as per ECOA guidelines see attached. 3 ) We want an appropriate market value accepted for this property and an approval of the short sale at this market price. 4 ) We want Carrington fined the maximum penalty of $ 1XXXX dollars for continually and purposely committing FRAUD against this homeowner, and since they are defrauding borrower, the investor, and the community, and therefore are not fulfilling their servicing obligations. 5 ) This is not the 1st time this exact complaint has been made to the CFPB. Carrington, in fact, has done this exact thing with many other homeowners. We will be copying this complaint to the Bureau of Real Estate as well as the States Attorney General on this complaint.
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31410
Web Servicemember
The first time my credit was run to purchase a new house, there was no indication from Carrington I was ever anything but a good client. After a title issue and purchase fell through a updated history had to be run. When it was, AFTER the phone call where I supposedly had a 30 day late, the credit report now shows a 180 day late, THIS IS THE BASIS FOR MY COMPLAINT. I need this cleared up ASAP, I am supposed to close on a home on XXXX and can not get approved with this on my credit report. I will be homeless. Each time I call Carrington, they asked me the time period of the missed payments that were reported. How do they report me for non payment for 6 months and not have this in their computer? I spoke to a " specialist '', XXXX or XXXX XXXX, I believe her employee # is XXXX. She could not tell me the dates and provided no concrete information. I questioned all the contradictory information from what she said to what was on my monthly statements but we got disconnected when I tried to three way our call with XXXX XXXX. I called back asked for her by name and number but was never connected. I spoke with Carrington with a rep from XXXX and again, this " specialist '', a male named XXXX, could not provide the dates I supposedly missed 6 months of payments when not on forbearance. He said when Carrington acquired my loan from XXXX, I must of had my late/missed payments with them. XXXX XXXX with XXXX quickly explained that was incorrect because she was looking at my payment history and there was no negative reporting or missed payments. XXXX had no other answers to provide even when explained what payments I made and what my profile on their website indicated. Each person I have spoken with at Carrington, I have told them this is an error and it needs to be removed. I have even emailed the CEO, XXXX XXXX, to no avail. History ... ..I had a mortgage with XXXX. They sold me to Carrington in XXXX of 2022. When sold I was in forbearance. I tried to come off forbearance after extending it with Carrington. When I tried to come off, I received contradictory information from each person I spoke with at the company. I was told to submit paperwork for a hardship so I would not be required to pay the lump um back right away. After attempting this, I spoke with another employee, who explained she had been dealing with FB for years, she told me I was wasting my time submitting documents since I was on a VA loan. She informed me under VA I was not required to complete the app for hardship and I should be fast tacked to get forbearance ended and have the sum added to the end of my mortgage. A couple weeks later I received a call, or mail from Carrington again. When I contacted the company, a male who ensured me he was a FB expert and had been dealing with it for three years said I must submit the docs and apply not to be required to pay for the sum in a lump sum. I advised him of what I was told a couple weeks earlier and he told me VA changed their requirements and I must submit the paperwork. I dealt with this confusion for two or three months. The only constant information I was told was, I was not required to make payments until forbearance ended. Regardless, I began making payments in XX/XX/2022. I followed that with a XXXX payment for XXXX and a XXXX payment for XXXX and XXXX I sent Carrington approximately XXXX to get current and pay off forbearance back amount. Each statement I received in mail indicated I was in forbearance and not required to make any payments. When paid up, I thought everything was fine. I never missed a required payment and I paid the back amount not to be foreclosed on. As part of the home buying process, I did a three way call with Carrington and XXXX (? ). On this three way call, the Carrington female said I had a 30 day late which I questioned. She indicated they sent me a letter on XX/XX/XXXX, that my forbearance ended and I was required to make a payment XX/XX/XXXX and they did not receive payment until XX/XX/XXXX. I am not sure how this would make sense but regardless, I made a payment on XXXX for XXXX then in XXXX I sent the approximate XXXX to end my forbearance debt.
08/16/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NV
  • 89084
Web Servicemember
ACCOUNT # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I am writing this hardship letter in hopes that you will assist me with my lender to reconsider a workout plan on my mortgage payment and possibly reduce the principal balance ACCOUNT # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, our lender keeps denying me for any type of workout and refuse to help me keep my home and forcing me to liquidate by stating no options available and stating lender has right to liquidate despite the fact that this is a VA loan and the fact that we were impacted by Covid 19 and the forbearance caused the past due increase but When modification request was in process and or active workout they shouldnt have to file notice of sake but they did and had a sale date for XX/XX/XXXX which senator XXXX XXXX stopped it, all the foreclosure proceedings should been on hold not postponed but they were moving on to sale and liquidate. Sir we know our rights and we understand the mortgage lending rules and XXXX and Carrington violated the rules. I am writing this complaint in hopes that you will assist me to make my lender reconsider a workout plan on my mortgage payment and possibly reduce the principal with a balance reduction and forgiveness on My home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for the following reasons : I was employed with the XXXX XXXX XXXXXXXX for total of 17 years and was XXXX to XXXX for the third time in XXXX for a year. During that time frame, I was XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XX/XX/XXXX the XXXX XXXX XXXX me for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, so the army forced me out. I started getting paid XXXX XXXX but it was not even close to what I was previously making. I was an XXXXXXXX XXXX XXXX XXXX my wife XXXX was making great income in the XXXX XXXX industry, and she was making enough that could have supported 2 families so when I was XXXX from the XXXX my wife XXXX was still able to pay all the bills. She was making enough to pay the entire mortgages. In XXXX as we all know real estate crisis occurred and everyone was losing their homes and the economy start to sink so is my wifes XXXX XXXX XXXX she lost a lot of XXXX and slowly lost all income and shifted into XXXX XXXX XXXX and we were depending on our savings we had. Later My wife XXXX lost all her income again during the XXXX in XXXX and lost family members too with XXXX whom we had no money to even bury them and instead cremated which is awful, but we had no resources nor money to give them proper blurrier. I was making nothing basically. So, since XXXX I have known for a while that I had to let my other homes go or have my family take over payments. I tried to sell them, but all my other homes I had were upside down at that time as well, so I lost all my assets in this bad economy. We exhausted our savings account, and my wife XXXX has been struggling to find a job that offers flexible hours to care for me and our kids so she can help me out. I am not ignoring my commitment to you for the money you lent me. I acknowledge this debt and want to resolve it as I gave you, my word. Im trying to put food on my table for my XXXX kids, Wife and sick mom. Making the reduced payments will satisfy my commitment to you and you would receive money owed to you. I please ask you to help me modify my payments please. I intend to keep this house please. I ask you as a XXXX veteran whXXXX XXXX XXXX XXXXXXXX XXXX XXXX for just one little help. Im not asking you too much. I was XXXX from the XXXX because of my XXXX XXXX I was XXXX XXXX XXXX XXXX XXXX as I was not fit for the job anymore. SO PLEASE GRANT ME THE ASSISTANCE and let me keep my home. Please see attached, am requesting help from our senator XXXX XXXX also requested help with any government grants and or funds available to pay off or reduce this overly charged debt by XXXX ( original lender ). Sincerely, XXXX XXXX
07/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 31410
Web Servicemember
The first time my credit was run to purchase a new house, there was no indication from Carrington I was ever anything but a good client. After a title issue and purchase fell through a updated history had to be run. When it was, AFTER the phone call where I supposedly had a 30 day late, the credit report now shows a 180 day late, THIS IS THE BASIS FOR MY COMPLAINT. I need this cleared up ASAP, I am supposed to close on a home on XXXX and can not get approved with this on my credit report. I will be homeless. Each time I call XXXX, they asked me the time period of the missed payments that were reported. How do they report me for non payment for 6 months and not have this in their computer? I spoke to a " specialist '', XXXX or XXXX XXXX, I believe her employee # is XXXX. She could not tell me the dates and provided no concrete information. I questioned all the contradictory information from what she said to what was on my monthly statements but we got disconnected when I tried to three way our call with Veterans United. I called back asked for her by name and number but was never connected. I spoke with Carrington with a rep from VU and again, this " specialist '', a male named XXXX, could not provide the dates I supposedly missed 6 months of payments when not on forbearance. He said when Carrington acquired my loan from XXXX, I must of had my late/missed payments with them. XXXX XXXX with XXXX quickly explained that was incorrect because she was looking at my payment history and there was no negative reporting or missed payments. XXXX had no other answers to provide even when explained what payments I made and what my profile on their website indicated. Each person I have spoken with at Carrington, I have told them this is an error and it needs to be removed. I have even emailed the XXXX, XXXX XXXX, to no avail. History ... ..I had a mortgage with XXXX. They sold me to Carrington in XXXX of 2022. When sold I was in forbearance. I tried to come off forbearance after extending it with Carrington. When I tried to come off, I received contradictory information from each person I spoke with at the company. I was told to submit paperwork for a hardship so I would not be required to pay the lump um back right away. After attempting this, I spoke with another employee, who explained she had been dealing with XXXX for years, she told me I was wasting my time submitting documents since I was on a VA loan. She informed me under VA I was not required to complete the app for hardship and I should be fast tacked to get forbearance ended and have the sum added to the end of my mortgage. A couple weeks later I received a call, or mail from Carrington again. When I contacted the company, a male who ensured me he was a XXXX expert and had been dealing with it for three years said I must submit the docs and apply not to be required to pay for the sum in a lump sum. I advised him of what I was told a couple weeks earlier and he told me VA changed their requirements and I must submit the paperwork. I dealt with this confusion for two or three months. The only constant information I was told was, I was not required to make payments until forbearance ended. Regardless, I began making payments in XX/XX/2022. I followed that with a XXXX payment for XXXX and a XXXX payment for XXXX and XXXX I sent Carrington approximately XXXX to get current and pay off forbearance back amount. Each statement I received in mail indicated I was in forbearance and not required to make any payments. When paid up, I thought everything was fine. I never missed a required payment and I paid the back amount not to be foreclosed on. As part of the home buying process, I did a three way call with Carrington and XXXX (? ). On this three way call, the Carrington female said I had a 30 day late which I questioned. She indicated they sent me a letter on XX/XX/XXXX, that my forbearance ended and I was required to make a payment XX/XX/XXXX and they did not receive payment until XX/XX/XXXX. I am not sure how this would make sense but regardless, I made a payment on XXXX for XXXX then in XXXX I sent the approximate XXXX to end my forbearance debt.
04/20/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TN
  • 38053
Web
I recently applied for refinance loan with my current mortgage company Carrington Mortgage Services on XX/XX/XXXX. I received a call from XXXX XXXX XXXX of Carrington who was the Loan Officer. He asked what type of loan was I seeking and I stated that I would preferably like a refi with cash out out he said that they could offer me that. Mr. XXXX, the XXXX XXXX informed me that I would have to pay for an appraisal which would cost {$480.00}. I paid the appraisal company that Carrington hired and they came out and appraised the house a few days later in XXXX. XXXX XXXX, the XXXX XXXX XXXX sent me an email stating that my credit report showed that my Carrington Mortgage loan was in forbearance and that I needed to call a Mr. XXXX at XXXX XXXX ) XXXX to clear it up. I did a conference call with Mr. XXXX and employee by the name of XXXX of Carrington mortgage. XXXX informed Mr. XXXX that I was no longer in forbearance and that my payment history with them was pristeen. This information was forward to Mr. XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, Mr. XXXX asked me to go to the Carrington website to sign the Pre-closing documents which I did. I also signed all necessary documents and provided income verification, W2 forms etc. This information was forward to MrXXXX XXXX XXXX. Before they could provide me with a closing date the underwriters ran my credit which showed 7 judgments that didn't belong to me. Before they could close they had to clear the title. Mr. XXXX asked me to verify how I had cleared up the judgments and I informed him they weren't mine and did they bother to run the credit report with my social security number. I worked with the title company XXXX XXXX, XXXX XXXX of XXXX. On XX/XX/XXXX the title company cleared the liens and judgements. Mrs. XXXX forwarded the information on XX/XX/XXXX to XXXX XXXX that the title was cleared. Then on XX/XX/XXXX, XXXX XXXX stated underwriters had another issue with my automobile loan that showed a past due amount of {$87.00}. On XX/XX/XXXX XXXX XXXX got confirmation from the credit bureau that the account was not past due and it was reported wrong to the credit bureau. On XX/XX/XXXX I asked XXXX XXXX for a status updated regarding a closing date. On XX/XX/XXXX XXXX XXXX informed me that the underwriters and Loan Officer, which was XXXX XXXX were working on my file. On XX/XX/XXXX I received an email from the Loan Officer XXXX XXXX informing me that due to me having been in a forbearance that I couldn't do a cash out loan per FHA government guidelines. I informed Mr. XXXX that I should have been informed what the criteria was for obtaining a refi with a cash out loan at the beginning of the loan process. I went on to state to MrXXXX XXXX that I felt deceived and that this matter dragged on for 2 months with no one doing their homework about cash out refinances. I informed him if I knew the criteria from the beginning regarding cash out refinance I would have went a different route or they should provided me with another alternative. I informed Mr. XXXX that I wanted a refund of my $ 485t which was paid for the appraisal. He stated that they would see what they could do. I asked Mr. XXXX for the name and phone number of his boss. He stated that his boss would be awaiting my call. I called on XX/XX/XXXX and sent emails to XXXX XXXX and XXXX XXXX to ask them to proceed with the refinance without the cash out since they had already received all my information. I also called Mr. XXXX 's boss XXXX XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX and left a message. As of XX/XX/XXXX no call back from Mr. XXXX. I received an email XX/XX/XXXX from Mr. XXXX regarding a Home Loan application in which he wants me to sign an eDisclosure document. At this point I would like the mortgage company to process my request for a refinance without a cash out and to refund me the {$480.00} for the appraisal that was not needed due to the criteria for cash out refinance due to FHA guidelines. I did verify the criteria with a representative from FHA regarding what the criteria was for someone wanted to seek a cash out refi after being out of a forbearance.
02/12/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23464
Web
I humbly request assistance resolving concerns I 'm having with my mortgage company, CARRINGTON MORTGAGE ( CM ). They have forced Homeowners Hazard Insurance ( HHI ) upon me for several years and I 'm having numerous complications with CM 's billing practices. One concern is the yearly charge on the monthly statement and on the escrow reviews from CM state that the charge is {$540.00} for HHI. However, the HHI policy declaration from XXXX states that the yearly charge is {$530.00}. That nearly a {$5.00} per year overcharge. The second complication is also a billing issue concerning HHI. It started XX/XX/XXXX. I was charged 3 times for HHI. {$720.00}. XX/XX/XXXX, {$380.00} XX/XX/XXXX and XX/XX/XXXX {$720.00}. I then received XXXX different escrow review statements XX/XX/XXXX, with no explanation on why I received the second review. I started the year paying {$660.00} per month. The 1st escrow review was sent XX/XX/XXXX. My payment changed to {$630.00}. The 2nd review was received XX/XX/XXXX. My payment changed to {$640.00}. I called customer service to request a review because I was paying extra money with each monthly payment and I did n't see that applied on the escrow review. They " found '' {$330.00} in an unapplied funds account. Afterward, I received the final review, my payment changed to {$620.00}. There were XXXX different HHI disbursements on those XXXX escrow reviews. {$720.00} XX/XX/XXXX, {$410.00} XX/XX/XXXX, {$380.00} XX/XX/XXXX, {$380.00} XX/XX/XXXX. The problems expanded XX/XX/XXXX. CM began the cycle of sending placed and cancelled HHI policy declarations for 3 months in a row. example : XX/XX/XXXX received NOTICE OF LENDER PLACED HHI. XX/XX/XXXX received NOTICE OF REFUND AND CANCELLATION OF LENDER PLACED HHI. There was never a refund amount because CM " were unable to verify coverage for the following reason : The information you have provided does not indicate that you have a refund due ''. On the XX/XX/XXXX monthly statement I had XXXX HHI disbursements. XX/XX/XXXX {$540.00}. XX/XX/XXXX {$44.00} & XX/XX/XXXX {$44.00}. On the XX/XX/XXXX statement {$540.00} was charged for HHI. I called customer service to question the charges. The rep informed me that the payment was for the XX/XX/XXXX HHI that was never paid. She alleged that I had not paid the HHI for the previous year and that they had failed to notice it until now. I questioned how CM could bill me a year after the payment was supposed to be made even though I could provide statements that I was billed for HHI several times. The rep instructed me to put my request in writing and fax it to the research dept. She stated that the HHI dept was outsourced and that they had nothing to do with the billing. I wrote a request and sent it the following day and I 'm still waiting to hear back from CM. The pattern of overcharging continued into XX/XX/XXXX. On my XX/XX/XXXX statement I had XXXX HHI disbursement charges XX/XX/XXXX {$89.00} & XX/XX/XXXX {$44.00}. XX/XX/XXXX I procured my own HHI. XX/XX/XXXX, XX/XX/XXXX I received in the mail NOTICE OF REFUND AND CANCELLATION OF LENDER PLACED HHI. It stated that a refund of {$1.00} was credited to my account. A premium of {$350.00} was charged for the time the policy was in place. I called customer service and spoke with XXXX # XXXX & XXXX on the escalations team. I questioned why the refund was only {$1.00} since I was charged {$540.00} for the policy and only {$350.00} was deducted. I questioned as to the monthly and yearly charges that still appeared on my monthly statements. I was shocked when XXXX stated that customer service was only there to take payments and not to answer questions like these. She gave me the standard company policy excuse of writing a letter to research. I decided to write to you instead. I 'm hoping by writing this letter I can get some clarification from my mortgage company concerning their billing practices. I 've gotten no response from CM and I feel like I have no recourse for their blatant overcharging for my HHI. I will provide all escrow reviews and HHI documents upon request.Thank you in advance.
09/07/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 49006
Web
I filed a complaint with the XXXX, but all they can do is mediate and Carrington ignored my complaints even though I have a strong and honest argument. The office of Senator XXXX recommended that I file a complaint with you. Carrington countered my XXXX complaint focusing on points that had nothing to do with the issue. Afterwards, I sent a letter asking Carrington to pull their phone records when I spoke to a Supervisor who agreed that I sent everything that was needed originally in time to prevent going into foreclosure, which lead me to getting on a forebearance plan. They refused my request to pull and review their phone records, which I believe is another violation of my rights. After pleading my case to a Carrington Supervisor the foreclosure was postponed and I was put on a forebearance plan, but they never corrected the foreclosure fees ( should of never went into foreclosure ) that I incurred due to their mistakes. Simply put, the issue is that their Rep 's negligence in not recognizing my unemployment benefit statements as " paychecks '' and not knowing that my mother 's income information is not needed when applying for assistance ( due to my quit claim deed on file ) is what lead to my application getting marked incorrectly as incomplete, which then caused me to go into foreclosure and accumulate a ton of fees. This is my full XXXX complaint below : I'm upset because I applied for mortgage assistance through Carrington and they kept making mistakes claiming that my application was incomplete when it actually wasn't. The Rep named XXXX XXXX told me to send in check stubs when I clearly stated that I was unemployed ( you don't get check stubs ) and sent proofs of my unemployment claim, benefit letter, and one month of checking account history. From a previous application for assistance I also already sent in a quit claim deed that showed my mother has nothing to do with the Loan and that they only need my information ( confirmed by XXXX XXXX XXXX ). I've fought with a Rep Named XXXX and had to speak to her Supervisor to get my assistance approved in the past and recognize the quit claim deed. After several emails and phone calls I got a letter asking for pay stubs, one month of my checking account history, and all of the same information from my mother ( when I already sent in all of the sufficient information. ) This is around XX/XX/XXXX. So I then email all of the same information again! Later, a month passes and I get a letter stating that I have gone into foreclosure! I then have to call Carrington, fight with several reps, and finally escalate to a Supervisor who agrees that I sent all of the proper documentation in time. So they then place me on a special FHA forbearance plan, but I'm stuck being held responsible for {$3700.00} when I did everything in advance correctly. I believe this is a violation of the fair debt collection act and/or unethical business practices/discrimination against a XXXX ( XXXX XXXX and XXXX ) XXXX XXXX low income single father. Desired Outcome/Settlement Desired Settlement : Billing Adjustment I'd like a billing adjustment of the foreclosure fees- {$3700.00} because I believe they were charged incorrectly and/or maliciously when I turned in a complete application for assistance on time and refund for all of the late charges and interest that I've paid due to these fees, and all delinquent and/or negative credit reporting disputed/removed for my Mother for the total period of time the loan has been with Carrington and all negative credit reporting disputed/removed for myself from XX/XX/XXXX to present is fair. Complaint Details Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX Salesperson : XXXX, XXXX Complaint Details ( cont. ) Product/Service : Request for loan assistance Model # : n/a Account # : n/a Order # : Loan # XXXX Purchase Price : XXXX Payment : None Provided None Provided Disputed Amount : XXXX
01/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 220XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To whom it may concern : This letter is a complaint against Carrington Mortgage Services , LLC based in California and Texas. I am filing this complaint because I believe I am getting unfair treatment in the loan modification I was approved for in XX/XX/XXXX. Time line : Searched for home in XX/XX/XXXX Found place in XX/XX/XXXX Obtained financing for loan for down payment through my retirement savings. Secured loan through Carrington Mortgage Services at 6 %. After negotiating accepted price. XXXX XXXX who used to work at Carrington messed up on loan documents where she did not secure enough funds to cover the escrow account. On the day of closing XXXX XXXX did not fax the documents over and was still recalculating numbers at XXXX XXXX XXXX XXXX. I sat at the lawyers office from XXXX XXXX XXXX XXXX to after XXXX XXXX. In the end she was asking that I put down more money at which time I had already put down {$21000.00} taken from my retirement fund. Six months later my mortgage payment was being increased due to this error. In XX/XX/XXXX, I refinanced property to lower payment from {$1400.00} to {$1300.00}. Payment was manageable. In XX/XX/XXXX received another notice that mortgage was increasing to {$1500.00}. Not enough escrow in account. In addition property taxes increased slightly. Negotiated with Carrington to have shortage spread out over a year. New payment now {$1500.00}. Over what I could afford but still paid it. Applied for a loan modification and was accepted. New payment was decreased by only XXXX. After finding out that I would have to repay {$18000.00} upon the sale of the home, I declined the modification and continued to pay the {$1500.00} plus late fees. I was told that my home could be foreclosed on if I paid late. Payments were late but never rolled over into next month. Suffered by paying late fees in addition I paid overdraft fees in excess of {$300.00} per month to bank to cover mortgage and utilities. Sought help in the Virginia Cooperation Housing organization. Representative convinced me to reapply for a loan modification because that was the best option and that Carrington would help me. I reapplied in XX/XX/XXXX/XX/XX/XXXX and was denied because Carrington stated that I had not submitted all the paperwork. Paperwork was submitted through the representative at the Housing organization supposedly helping me. I called Carrington and was told to reapply and make sure I submitted all the required documents. I did so in XX/XX/XXXX and was approved. I received the paperwork for the trial period and was told in the document to not make my normal payment in XX/XX/XXXX but to start making the trial period payment of {$1200.00} in XX/XX/XXXX. I phoned Carrington I followed those instructions. No representative of Carrington ever disclosed that I would be reported to the credit bureaus as paying late. Which is what they did. They have blocked me from viewing my account in XX/XX/XXXX when the modification was approved but I am able to now go into documents and view statements showing payments late and notes a risk of foreclosure on home if payments are not brought up to date. Ive received several letters since applying for the loan modification all providing conflicting information. ( see enclosed. ) Is there any legal action I can take to remedy this situation against this company? I feel I have been taken advantage of and no one at Carrington cares about their customers. Ever since moving into this property I have no peace of mind and worry that their deceptive practices will still cost me my home and I lose the investment of {$21000.00} I used to purchase this place. Each document I received gave different information which is confusing to the recipient. If it is the practice of Carrington Mortgage to notate customers late on payments they should provide that information upfront when I asked them. No representative I spoke to told me to continue to make XX/XX/XXXX and XX/XX/XXXX's payment. Sincerely, XXXX XXXX XXXX Enclosures
10/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MO
  • 64012
Web Older American, Servicemember
I received a Loan Modification approval letter from XXXX dated XX/XX/XXXX. The information included in this letter showed a new principal balance of XXXX at 3 % interest and payments of XXXX. ( There was also a clause in Summary under Borrower Incentive that stated that If you make your monthly mortgage payments on time, you will earn a one-time principal reduction in the amount of {$5000.00} payable on the 6th anniversary of the month in which the trial period plan is executed. ) I was making timely mortgage payments and thought all was going well. Then, on XX/XX/XXXX, I received a Notice of Servicing Transfer from Carrington Mortgage Services , LLC in XXXX, IN. This letter was dated XX/XX/XXXX but I didnt receive it until XX/XX/XXXX!! There was no postmark on the envelope. This letter indicated that I should make my payments due on or after XX/XX/XXXX to them at a XXXX, AZ PO Box address. I was diagnosed with XXXX XXXX on XX/XX/XXXX. From XXXX, XXXX through XXXX, XXXX, I had multiple XXXX and was treated with XXXX to treat my XXXX. While I was undergoing treatment, I was unable to work full time and my income was drastically reduced. I made several payments to Carrington Mortgage that were at least {$100.00} more than the minimum amount because I was unable to make a payment every month. I contacted Carrington Mortgage by phone several times from XXXX, XXXX through XXXX, XXXX requesting access to their website or a mailed statement to determine the status of my account. I was given a number of reasons why I wasnt able to access my account on their website, including that their records showed that I was in bankruptcy and they couldnt provide the requested information. My husband and I did file bankruptcy several years ago but it was discharged in XXXX, XXXX. I was promised that I would receive a mailed statement but have yet to receive one as of this date. The last payment I sent to Carrington was dated XX/XX/XXXX for {$700.00}. HOWEVER, this payment was returned to my bank on XX/XX/XXXX. I contacted Carrington by phone several times to try to make arrangements for some kind of assistance. I was told that I could go to their website and download the necessary paper work and they would refer my case to the proper department. When I visited their website, I was unable to get the information I needed. I received a Notice of Intent to Foreclose dated XX/XX/XXXX. I immediately called but was unable to reach them as their business hours did not include any that were convenient for me. When I finally reached someone, I was told where on their website to download the necessary forms to apply for mortgage assistance. I emailed the Request for Mortgage Assistance and the required documentation on XX/XX/XXXX. I received a notice dated XX/XX/XXXX that my application was incomplete, asking for additional documentation. I promptly emailed the requested documentation. I received a notice dated XX/XX/XXXX stating Your Application is Complete. Then, I received an Additional Documentation Required notice dated XX/XX/XXXX! I emailed this documentation on XX/XX/XXXX. I received a Loss Mitigation Evaluation Notice dated XX/XX/XXXX that stated that I was ineligible for anything except Home Liquidation. I sent an appeal to Carrington on XX/XX/XXXX because they misstated my income in their evaluation notice. I then received a Formal Appeal Notification dated XX/XX/XXXX that my request has been denied. When I called to determine the reason why, I was transferred to 3 different people. The only thing I determined was that I needed to come up with {$5400.00} to bring the account current and that a repayment schedule was not acceptable. In todays mail is a Notice of Intent to Foreclose dated XX/XX/XXXX. At this point, I dont know what to do!! I have applied and was denied mortgage assistance, modification, forbearance or ANY type of repayment plan. I do NOT want to lose my home. AND, I would like to work out some kind of repayment plan with Carrington Mortgage in order to continue to live in my home.
03/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
We had a Mortgage with XXXX XXXX XXXXXXXX and in XX/XX/XXXX we negotiated a short-sale with them and had a cash buyer for {$130.00}. We had submitted all the hardship letters, bank statement etc to the bank and everything was agreed for the short sale to proceed. XXXX XXXX XXXX in their efforts to close this sale took myself and husband off the Title - we never signed anything with them to do this. There was a problem with the Title and the cash buyer we had walked away from the property after waiting for 6 months to get possession of the property. We were notified via a Court document that we no longer had any legal rights to the property Because of this we were unable to do another short-sale or anything with the property. We spent many frustrating hours on the phone with XXXX XXXX XXXX trying to get this matter rectified. We spoke to every department sent letters and emails to no avail. I spoke to deed in lieu department and they told me I could not do a deed in lieu because we were not on the title. In XX/XX/XXXX our loan was sold to XXXX XXXX XXXX. They contacted us to find out what was going on with the mortgage. I explained the situation to them. They said they would look into the matter and see if we could do a deed in lieu. I asked the representative that I was working with if there were be any consequences in doing this with them and he said no they would just take the property back and we would be done with it. I heard back from Carrington Mortgage stating that their attorney came back with the title report and advised that myself and my husband were not on the title to the home. There was a court ruling that took our names off the title back in XX/XX/XXXX - as stated above we never signed any court documents with XXXX XXXX XXXX. Carrington Mortgage also states that the previous servicer, however, never released the lien and reported the transfer complete. They stated that we did not have to sign any further documentation with them. Our credit report were severally affected by all of this and I asked Carrington Mortgage if they could clear our credit reports. Their reply was there may be a way to have the credit reporting fixed so the loan does not show up after you and your husband were taken off the title in XX/XX/XXXX. They asked us to draft a letter giving an overview of the situation starting with our hardship up to dealing with the XXXX XXXX XXXXXXXX and trying to get this sorted out. They said once they received this letter, my supervisor and I will take it to our Vice President and get working on fixing the credit. They did fix our credit. Clearly they could see from the documentation sent to them that we had a case. I received a XXXX stating that we were personally liable for {$140000.00} which I am now expected to pay taxes on. I sent an email to the person I have been dealing with at Carrington Mortgage on XX/XX/XXXX stating that my understanding was that after talking to you that this debt would be forgiven once you cleaned up the title. I asked him at the time we spoke on the phone what were the repercussions of you taking this property back and itw as stated that there would be none " we will take it back and it will just go away. It was never disclosed to me that we would be personally liable for the debt. I have left 3 messages for XXXX XXXX to call me back and none of my calls have been returned nor do I have an answer on my email that I sent on XX/XX/XXXX. I called Carrington 's customer service division today and spent an hour on the phone with various people all stating that they can do nothing about this. How can we be personally liable for a debt when we do not own the house? We had a clear agreement with the XXXX XXXX XXXXXXXX back in XX/XX/XXXX for a short-sale that they messed up - and they took us off the title leaving us with no recourse. I do not know who owned the house after XXXX XXXX XXXXXXXX took us off the title or why they could not complete the short-sale but I do not believe we are personally liable for anything on a property we did not own.
04/20/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • FL
  • 32043
Web Servicemember
XXXX XXXX Carrington provided the cash payment amount required to bring the property out of Foreclosure to Attorney. Payment agreed to and paid in full. Carrington was to provide information to Attorney regarding the Claim of an Escrow Account deficiency with validation from XXXX XXXX XXXX and certify its correctness. Carrington has been unable to provide the validation to Attorney. Carrington was to provide payment plan ( 4 to 5 years ) upon validation of the Escrow Account deficiency. Carrington has been unable to provide the payment plan to Attorney. XXXX XXXX Phone call attempts starting in XXXX XXXX to Carrington about the Escrow Account status. Carrington had no supporting information for Attorney. Made several phone calls starting in XXXX XXXX to Carrington to validate the monthly payment amount of {$2300.00} Carrington validated the payment as being {$2300.00} to Attorney. XXXX XXXX Carrington sends Notice of Intent to Fo reclose stating that they did not receive the XXXX XXXX payment. Call to Carrington XXXX XXXX and spoke with XXXX XXXX to discuss missing payment. Thinking the reason the payment did not get posted was because of sending {$2600.00} XXXX {$300.00} too much ) by mistake. XXXX XXXX says that the {$300.00} overpayment is not the issue. XXXX XXXX spends a very long time researching the matter and finds ( Carrington Negligence ) Carrington was required by the Mortgage Contract to adjust the Mortgage Rate in XXXX XXXX , prior to the Foreclosure Settlement Agreed to. The Contract had matured past th e 10yr fix ed no interest point requiring the adjustment ( Contract si gned XXXX XXXX ). Carrington did not follow the Mortgage Contract requirement in XXXX XXXX and DID NOT adjust the payment to the XXXX XXXX interest rate. Carrington committed Fraud and waited to adjust the interest rate to the higher rates in XXXX XXXX to set the new payment to {$4900.00}. Carrington has used the fraudulent interest rate and applied it as the " required '' monthly mortgage payment. Carrington did not provide any notification of the change. XXXX XXXX was unable to provide any information as to a correct and legal payment, and had to research the matter. XXXX XXXX instructed : continue making the monthly payment amount ( {$2300.00} ) required under the last known legal payment amount. Have been making the only " known '' legal payment of {$2300.00} on time each and every month from XXXX XXXX through XXXX XXXX ( Payments have been returned by Carrington to Attorney since XXXX XXXX , but have continued to make the last known legal payment anyway ). XXXX XXXX corresponds that Carrington ' s solution to Carrington negligence is to submit a loan modification since they are unable to determine a correct monthly payment. Use a XXXX XXXX XXXX to submit the loan modification package. XXXX XXXX Loan Modification package submitted Carrington fraudulently reporting negatively to the credit companies. Carrington repo rting that payments are not being made. Notified XXXX XXXX by email and by phone requesting Carrington cease and desist from the fraudulent credit reporting. XXXX XXXX says by phone that the negative reporting was an easy fix and would be corrected. NOTE : The fraudulent negative credit reporting did not get corrected and has continued to the present ( XXXX XXXX ). Numerous emails have been sent to Carrington to cease and desist. They refuse to cooperate and have caused harm to financial reputation. XXXX XXXX through XXXX XXXX Attorney, and contracted XXXX XXXX XXXX cooperated fully with ALL Additional Information Requests during the Loan Modification Process, but Carrington continued to ask for same docs over and over again. XXXX XXXX Loan Mod cancelled by Carrington - claimed all documents not received in time ... FALSE
12/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20601
Web
NOTE : I forgot to add XXXX to my initial complaint # Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. This item from Carrington Mortgages Services LLC reporting my mortgage payment as 30 days late is inaccurate. I am requesting that this item be removed. Enclosed is documentation supporting my request : [ billing statements and correspondence from Carrington Mortgage Services LLC and copies of payments made ]. My former mortgage loan servicer - XXXX XXXX sent notification that my mortgage loan would be taken over by Carrington Mortgage Services , LLC, effective XX/XX/XXXX. After that time, all payments shall be sent directly to Carrington. During this period, beginning XX/XX/XXXX, my mortgage was in a Covid-19 forbearance ( under XXXX XXXX XXXX. The forbearance ended on XX/XX/XXXX. My mortgage payments were to resume XX/XX/XXXX. Carrington has acknowledged my forbearance and continued to send me documentation to reapply for mortgage relief. My mortgage payment due for the month of XX/XX/XXXX was mailed off the last week in XXXX and posted to my account XX/XX/XXXX ( check # XXXX ). Later, I received a letter dated XX/XX/XXXX stating that a payment had not been received and that the mortgage was one month past due. Another letter dated XX/XX/XXXX acknowledged the end of the forbearance. On XX/XX/XXXX, I called the customer service line for Carrington and spoke to a representative. I expressed that my first mortgage payment was due in XXXX as the end of my forbearance was XX/XX/XXXX. He was adamant that there was no payment received. I insisted there was and gave him the date the payment posted to my account. He then " checked his computer '' and acknowledged the payment but insisted it was still one month behind and that the forbearance didn't mean a postponement of payment. I had to explain to him what a forbearance means. The conversation went nowhere. He eventually escalated the call to another rep who argued that a forbearance was not a postponement of payment. This conversation went nowhere either. Neither rep seemed competent, and my issue still has not been resolved. The paperwork received from Carrington is both confusing and contradictory. A forbearance may provide temporary payment relief to assist homeowners dealing with a job loss, XXXX, illness, a recent disaster, XXXX, XXXX XXXX XXXX XXXX XXXX or other unique circumstances. With this option, you and your mortgage company agree to temporarily suspend or reduce your monthly mortgage payments for a specific period. This option lets you deal with your short-term financial problems by giving you time to get back on your feet and bring your mortgage current. ( XXXX XXXX ). It literally means a temporary suspension in payments witl1out having to look up a formal definition online. The representatives refused to acknowledge the forbearance despite paperwork from Carrington acknowledging said forbearance. The problem is Carrington is stating that I am one month past due ( now 60 days past due ). I am not. My mortgage payment for XXXX was made ( Check # XXXX ). Yet, my billing statement still reflects a past due balance. I have paid my mortgage every month since XXXX up till I mailed off XXXX 's payment. Please investigate this matter and delete the disputed item [ s ] as soon as possible. My mortgage should reflect no past due balance and the derogatory late payments reported to credit reporting agencies removed. My credit score dropped drastically, and I have worked very hard to raise my score. My job depends on having good credit and this is error is not acceptable. Carrington should abide to the agreement they sent. Thank you. I was referred to file a complaint with the Office of the Commissioner of Financial Regulation - XXXX XXXX XXXX XXXXXXXX. As a consumer, I have not been helped. The Lead examiner has repeated the same information that Carrington has stated including the refusal to acknowledge my mortgage payments made. Respectfully, XXXX XXXX XXXX
06/28/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • AZ
  • 85396
Web Servicemember
On XX/XX/2023 a payment in the amount of {$2500.00} was made to our previous mortgage company, XXXX XXXX XXXX, for that months payment. On or about XX/XX/XXXX of 2023, our loan was transferred to another company called Carrington Mortgage. I made our first payment to Carrington via representative on XX/XX/XXXX in the amount of {$2500.00}. The representative informed me that the payment was applied and the conversation ended. Fast forward to XXXX. I made this months payment on the XXXX in the amount of {$2500.00} via the mobile app. The payment posted, however, I noticed that the payment due date still said XX/XX/2023. I was confused since I had already made a payment to Carrington for the month of XXXX. I called customer service and explained the situation. The representative informed me that after Carrington received the loan, XXXX XXXX XXXX sent a letter stating that they never received XXXX 's payment from us and that Carrington needed to send the payment over. So, according to Carrington, they sent the payment to XXXX XXXX. I was not aware that mortgage companies can do that, especially since the XXXX payment had nothing to do with Carrington. Our loan was still with XXXX XXXX at the time. Shouldn't that issue be taken care of between XXXX XXXX and us? On top of that, we were never notified by XXXX XXXX that we were a month behind. Usually they send out a letter and we know that because at one point we were a month behind but got caught up. I had to make our mortgage payment to XXXX XXXX via cashier 's check from my bank and then mail it in. I have a record of the check being cashed for XXXX payment provided by my bank. I called XXXX XXXX after receiving this information from Carrington and explained the issue. The representative agreed that our payment was made in full and we have no outstanding balance. I asked when the payment posted and she said it was made using a check on the XXXX of XXXX. She said they have never sent a letter to Carrington requesting payment and that they are lying. She also stated that they never received a payment from Carrington in the system. I called them multiple times regarding this issue. The automated system for XXXX XXXX also states that my payment was received XX/XX/XXXX and that my loan is now with a new company. Carrington is lying and I'm not happy about it. I contacted Carrington again relaying the information and they said that it wasn't Carrington 's fault and that XXXX XXXX needed to fix the issues. I still have not received any sort of documentation from XXXX XXXX stating that my payment is missing and/or late ( because it's not ). I did, however, receive a nice NOTICE OF INTENT TO FORECLOSE letter from Carrington date XX/XX/2023. I am freaking out because I am a month behind and they are already coming at me with an intent to foreclose. I DID NOTHING WRONG!!! All of my payments were made. I should not be a month behind. I feel as though Carrington is stealing my money and I want it to go to my loan. I have all of the documentation proving that the payment was made to XXXX XXXX prior to Carrington receiving our loan. XXXX XXXX provided me with a XXXX statement proving that my payment was made and the date it posted. I spoke with Carrington about the possibility of this situation having a negative effect on my credit report and was advised to try to make a double payment. I can't afford to make a double payment! Since Carrington received my loan, they stated that I have 60 days to make payments without getting late fees or foreclosure letters, yet, I have a letter AND late fees. I have faxed all of this information to Carrington and I am not hearing anything back from them. They said that their investigation can take up to 30 days to complete. I don't have 30 days and I don't trust them at all to handle this situation since it is their fault to begin with. How can a mortgage company so willingly give a payment away to another mortgage company? Especially without letting the customer know what is going on.
12/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20601
Web
Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. This item from Carrington Mortgages Services LLC reporting my mortgage payment as 30 days late is inaccurate. I am requesting that this item be removed. Enclosed is documentation supporting my request : [ billing statements and correspondence from Carrington Mortgage Services LLC and copies of payments made ]. My former mortgage loan servicer - XXXX XXXX sent notification that my mortgage loan would be taken over by Carrington Mortgage Services , LLC, effective XX/XX/XXXX. After that time, all payments shall be sent directly to Carrington. During this period, beginning XX/XX/XXXX, my mortgage was in a Covid-19 forbearance ( under XXXX XXXX XXXX. The forbearance ended on XX/XX/XXXX. My mortgage payments were to resume XX/XX/XXXX. Carrington has acknowledged my forbearance and continued to send me documentation to reapply for mortgage relief. My mortgage payment due for the month of XX/XX/XXXX was mailed off the last week in XXXX and posted to my account XX/XX/XXXX ( check # XXXX ). Later, I received a letter dated XX/XX/XXXX stating that a payment had not been received and that the mortgage was one month past due. Another letter dated XX/XX/XXXX acknowledged the end of the forbearance. On XX/XX/XXXX, I called the customer service line for Carrington and spoke to a representative. I expressed that my first mortgage payment was due in XXXX as the end of my forbearance was XX/XX/XXXX. He was adamant that there was no payment received. I insisted there was and gave him the date the payment posted to my account. He then " checked his computer '' and acknowledged the payment but insisted it was still one month behind and that the forbearance didn't mean a postponement of payment. I had to explain to him what a forbearance means. The conversation went nowhere. He eventually escalated the call to another rep who argued that a forbearance was not a postponement of payment. This conversation went nowhere either. Neither rep seemed competent, and my issue still has not been resolved. The paperwork received from Carrington is both confusing and contradictory. A forbearance may provide temporary payment relief to assist homeowners dealing with a job loss, disability, illness, a recent disaster, divorce, death of a wage earner or other unique circumstances. With this option, you and your mortgage company agree to temporarily suspend or reduce your monthly mortgage payments for a specific period. This option lets you deal with your short-term financial problems by giving you time to get back on your feet and bring your mortgage current. ( XXXX XXXX ). It literally means a temporary suspension in payments witl1out having to look up a formal definition online. The representatives refused to acknowledge the forbearance despite paperwork from Carrington acknowledging said forbearance. The problem is Carrington is stating that I am one month past due ( now 60 days past due ). I am not. My mortgage payment for XXXX was made ( Check # XXXX ). Yet, my billing statement still reflects a past due balance. I have paid my mortgage every month since XXXX up till I mailed off XXXX 's payment. Please investigate this matter and delete the disputed item [ s ] as soon as possible. My mortgage should reflect no past due balance and the derogatory late payments reported to credit reporting agencies removed. My credit score dropped drastically, and I have worked very hard to raise my score. My job depends on having good credit and this is error is not acceptable. Carrington should abide to the agreement they sent. Thank you. I was referred to file a complaint with the Office of the Commissioner of Financial Regulation - Maryland Department of Labor. As a consumer, I have not been helped. The Lead examiner has repeated the same information that Carrington has stated including the refusal to acknowledge my mortgage payments made. Respectfully, XXXX XXXX XXXX
07/24/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
Web Servicemember
XXXX XXXX XXXX XXXX, XXXX XXXX, Retired XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/2023 Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX, California XXXX Appeal Regarding Loan Number XXXX Dear Carrington Mortgage : First and foremost, I am doing everything legally and lawfully to convince Carrington Mortgage I have no intentions of selling, liquidating, foreclosing, or abandoning the property of XXXX XXXX XXXX XXXX, XXXX, Florida XXXX XXXX The company is aware of my V.A. service-connected XXXX protected under the Americans with Disabilities Act which made me eligible for the Cares Act during the pandemic. The company is aware I am currently XXXX regarding my service-connected XXXX. Carrington Mortgage is aware I have submitted the same mortgage application financial information without my spouse with the required documentation before and after the first contract. The company knows I am in Court proceedings for Dissolution of Marriage, filed by my spouse. I represent myself. I have no financial support. My spouse abandoned the property. The companys first proposed contract did not comply with the Cares Act. Therefore, I refused the contract. Subsequently, the company is aware that I discovered and reported that they were using deceptive practices to swindle their account holders. Accordingly, the company proposed the second contract with a promissory note from Veterans Affairs. I agreed to the terms, signed the contract, and mailed it via USPS Express mail. The first months mortgage payment XX/XX/2023 was mailed with a cashiers check and a letter stating I was in good faith making further payments. The company canceled the contract. Therefore, threaten, more like harass me with foreclosure and liquidation again. To demonstrate I am at the mercy of Florida State Law as an American Veteran with Service-Connected XXXX. A legal system that puts me in a disadvantage and compromising position. The contract with the Veterans Affairs support must have both spouses signatures according to Florida Statute. The contract is on my behalf. My spouse filed for divorce, requested the Court to force me off the property, then liquidate the house. It is in her petition. Subsequently, she abandoned the property. My petition for divorce from a Florida State Judge specifically ordered I will not dissipate any property or money so that the Court can establish equitable distribution for the final divorce. The company knows that its account holders have no authority to give in to their demands and make decisions that will be against the law. Despite my eligibility for the Cares Act, Carrington Mortgage 's deceptive practices, my mental health issues, and my determination to keep my home, I have been constantly bombarded by Carrington Mortgage 's harassment campaign with liquidating my home. Eventually, I had to Baker Act myself for further mental health treatment. On XX/XX/2023, at XXXX XXXX, there is a Court ordered Mediation between me and my spouse. The mediation should determine if my spouse will sign a Quitclaim Deed tomorrow. Lastly, Carrington Mortgage I do not agree to liquidation or foreclosure on XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Ultimately, the Florida State Judge has that decision. Disparate treatment happens when a lender treats an applicant differently based on one of the protected characteristics ( such as race or gender ). This type of discrimination can be obvious and blatant, or it can be subtle. The lender does not issue an actual denial, but disparate treatment creates barriers, making borrowing more difficult Disparate impact occurs when a lender applies a neutral policy to all credit applicants. However, the policy disproportionately affects individuals belonging to a certain group based on their race, XXXX, age, or other protected characteristic. The policy is not intentionally discriminatory, but the policy 's effect results in discrimination. Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX, Retired XXXX XXXX XXXX, OEF
01/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 206XX
Web
I am XXXX XXXX employee writing to request assistance with saving my home. I am having a very difficult time with getting a loan modification or forbearance to save my home. The need for mortgage assistance is born out of there being a shortage in my escrow which created an increase by nearly {$950.00} in XXXX of XXXX. Simultaneously, my paycheck was being garnished for medical bills due to a XXXX XXXX to remove a XXXX and subsequently a massive car accident that left me with a XXXX XXXX. The car incident required me to have additional XXXX to prevent XXXX. The change in mortgage payment along with the financial stress partially due to garnishments caused me to seek modification through a law firm. I met with the law firm to discuss getting a loan modification as well as potentially filing bankruptcy. The meeting resulted in the lawyers communicating that the first course was to file modification paperwork, to obtain a modification to get my mortgage payment back to its original monthly payment. After the modification was complete, I was to file a Chapter XXXX bankruptcy to address the medical bill issues. Due to the garnishments and normal living expenses the fee for the modification took longer than anticipated. I was instructed to not worry about paying the mortgage due to realistically not being afford the monthly payment and once the modification is completed it would nullify the mortgage nonpayment. The modification application was formally submitted in late XXXX. The mortgage company denied the initial modification in XXXX of XXXX. The attorneys begin to discuss filling the Chapter XXXX first then refilling the modification. In early XXXX I received a notice of intent of foreclosure by the mortgage company on XX/XX/XXXX. The attorneys filled the chapter XXXX on XX/XX/XXXX avert the foreclosure. In the meantime, the once the Chapter XXXX was filled the mortgage company reached out to the attorney handling the modification and informed him to refill the modification paperwork. It was filled and denied in late XXXX. Once the mortgage company denied the modification in XX/XX/XXXX and the lawyers that were assisting me basically abandoned me. Simply put they left me out to dry. The mortgage company which is Carrington is making it difficult for me to save my house. As a result of the lawyer abandonment regarding my modification and bankruptcy I sought another attorney to help with finalizing the terms and conditions for my Chapter XXXX bankruptcy. I simply need help with saving my home. I had secure to another attorney and have been made aware of the numerous mistakes my initial attorneys made with my case. The most egregious being if I did not receive a modification, I would willfully relinquish my home. This was never communicated to me because I would have NEVER agreed to willfully relinquish my home under any circumstances. My new attorney has put together a trustee payment plan that will address the arrears caused by not paying the mortgage but advised that a modification or forbearance if the only sure mechanism to once and for all ensure this nightmare is fully behind me and my family. To really help comprehend the importance of my determination or desire to save my house. This house has been the central point of my survival and existence over the last 13 years. I was divorced when I purchased it in XXXX. This house was a critical part of my recovery from losing my family, marriage, XXXX XXXX and XXXX XXXX. In this house I learned how to walk, talk and function all over again about 6 years ago, which took 2 years to fully recover. So, this house means far more than anyone can imagine. I was re-married in this house. *Note I was just informed that even though my Chapter XXXX plan was accepted recently which includes the bulk of the outstanding mortgage payments the mortgage company still filed asking the court for a waiver on the stay so they can foreclose on my house
03/21/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48439
Web
Carrington Mortgage acquired my loan from XXXX in XXXX XXXX. At the time of my loan being transferred, I had not paid XXXX XXXX payment to XXXX yet. I called XXXX on or around XXXX XXXX, to make the payment but was told that I could not do so, as they no longer had my loan information. I was instructed to call Carrington, which I did the very next day. I was told by Carrington that I could not make the payment because my loan account had not been completely set up and established yet. I was asked to call back after XXXX XXXX, XXXX, which I did and the XXXX XXXX mortgage payment was made on XXXX XXXX. Due to not being able to make XXXX payment at that same time, Carrington offered me a mortgage assistance program, which I believed would lower my monthly mortgage for a certain time period so that I could deal with some unexpected financial matters relating to flooding basement and car repairs. So I began to work with Carrington on the paperwork this assistance. I was told on multiple occasions that no negative information would be reported to the credit bureaus about my loan within the first 60 days of the loan being transferred. Since the loan transferred on XXXX XXXX, XXXX, I was assured not to worry about any negative impact on my credit. Even so, I managed to borrow money to pay XXXX 's mortgage ( on XXXX/XXXX/XXXX ). I was informed by Carrington in XXXX that my monthly mortgage amount would actually increase more than {$100.00} per month with this mortgage assistance and that a 3 month trial payment would begin in XXXX XXXX if I accepted. I was told that the benefit in this is that I would n't have to pay XXXX ( which I had not paid yet ) or XXXX mortgage. After considering all options, I declined to accept this help. I clearly explained this to Carrington Mortgage during several telephone conversations and I did n't sign & return the acceptance letter. At the time that I declined this offer, it should be noted that I was not even 30 days past due in my mortgage. I borrowed money again and paid both XXXX and XXXX XXXX mortgage on or before XXXX XXXX, XXXX. I have never been 30 days past due with Carrington Mortgage Co. The XXXX XXXX mortgage was paid on XXXX/XXXX/XXXX ; the XXXX XXXX mortgage was paid on XXXX/XXXX/XXXX ; the XXXX & XXXX XXXX ( as well as any outstanding late fees ) was paid by XXXX/XXXX/XXXX ; the XXXX XXXX mortgage was paid on XXXX/XXXX/XXXX ; and the XXXX XXXX mortgage was paid on XXXX/XXXX/XXXX. I always pay at the end of the month because I take XXXX of the mtg from my first & XXXX from my second paycheck - but I have NEVER missed a payment to Carrington. I am filing this complaint because I was made aware today by my credit union, that Carrington Mortgage XXXX has reported to the credit bureaus that I am on a payment plan ( with a past due amount ) AND that I was 30 days past due more than 3 times since acquiring my loan in XXXX. As a result, my credit score has dropped from a XXXX to XXXX. I called Carrington Mortgage ( on XXXX @ approx. XXXX XXXX. ) and spoke with XXXX in customer service. She confirmed the negative reporting as correct. She informed me that Carrington reported me 30 days past due in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is completely inaccurate. 1. Carrington was not even the loan holder in XXXX XXXX - so how could they report negative information about that timeframe. 2. I was told on multiple occasions that no negative information is reported to the credit agencies for the first 60 days when loan transfers. 3. I was assured that no negative information would be reporting to the credit agencies while I was applying for mtg asst. 4. I did not accept the mtg asst, so Carrington can not report to the credit agencies that I am ( or have ever been ) on a payment plan with a past due amount! And 5. XXXX mortgage payments were made in on XXXX ( XXXX & XXXX XXXX ) & fees, so I have never been 30 days past due and there is no past due balance.
04/19/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23324
Web
Dear CARRINGTON MORTGAGE SERVICES ( " CMS '' ), XXXX XXXX XXXX XXXX XXXX " XXXX '' and XXXX XXXX XXXX XXXX A " XXXX '' : I received correspondence from you dated XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , and XXXX / XXXX / XXXX stating, " This communication is from a debt collector and it is for the purposes of collecting a debt and any information obtained will be used for that purpose ' '. [ Em phasis added ] I have also received your correspondence sent via the mail dated XXXX / XXXX / XXXX in response to my complaint against you to the Consumer Financial Protection Bureau ( Case No. XXXX ) also stating the same. This correspondence is to enforce compliance with the Fair Debt Collection Practices Act ( " FDCPA '' o r " Act '' ) and to notify you that pursuant 15 USC 1692k ( a ) ( 1 ) that CMS, XXXX , and XXXX are liable for " actual damage sustained '' by the Consumer as a result of your failure to comply with the Act, evidenced by the communications I received from you dated XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , and XXXX / XXXX / XXXX . Notice of additional violations committed by CMS, XXXX and XXXX evidenced by the communication I from you received dated XXXX / XXXX / XXXX are documented by me under a separate cover dated XXXX / XXXX / XXXX . Notice is given that I will not be engaging in any legal debates or arguments with you. There is no argument with the law. Any argument would be a deceptive practice and a continual violation of the FDCPA. I am ENFORCING the law under the authority recognized and granted the Consumer by congress under FDCPA. Congress intended the Act to be " primarily self-enforcing, '' in that " consumers who have been subjected to collection abuses will be enforcing compliance, ''. See S. Rep. No. 95-382, at 5 ( 1977 ). '' I am uninterested in any false notions that the Consumer must pursue a cause of action or other similar legal action in court in order to determine, establish or enforce liability for " actual damage sustained '' by the Consumer as a result of your failure to comply with the FDCPA. Please spare me any such nonsense. 15 USC 1692k ( a ) ( 1 ) clearly states that a " debt collector who fails to comply with any provision of this subchapter with re spect to any person is liable to such person in an amount equal to the sum of [ ] any actual damage sustained by such person as a result of such failure ''. Nowhere in 15 USC 1692k ( a ) does it state or imply that the Consumer is required to bring a " legal action '' before " the court '' in order to determine, establish, or enforce liability for " actual damage sustained by '' the Consumer as a result of a " debt collector who fails to comply with '' the FDCPA. The Consumer 's authority operates independent of " the court ''. Only " in the case of [ an ] action '' by a consumer is the court involved -- and even then -- ONLY to determine " such additional damages as the court may allow ''. See 15 USC 1692k ( a ) ( 1 ) and 1692k ( b ). Any debt collector that violates any provision of the FDCPA abuses the consumer, and " is liable to such person in an amount equal to the sum of [ ] any actual damage sustained ''. CARRINGTON, XXXX , and XXXX have violated the FDCPA, and thus have abused and injured the Consumer. In exercise of my right to enforce compliance I have enclosed for each of you individually an Invoice " equal to the amount of actual damage sustained ''. THIS IS A DEMAND FOR PAYMENT. You have 15 days from receipt of the invoice to pay the full balance. Pursuant 15 USC 1692e : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. CMS , XXXX , and XXXX have failed to comply with these and multiple other provisions of the FDCPA. As you are well aware and have full knowledge of, I neither now, nor ever have had any financial dealings with C
04/19/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23324
Web
Dear XXXX XXXX XXXX , XXXX ( " XXXX '' ) : On XXXX / XXXX / XXXX I received a communication from you dated XXXX / XXXX / XXXX . Your letter states : Our firm has been informed by the Servicer that as of XXXX XXXX , XXXX , the amount of the debt is {$260000.00}. Your letter further states " This is not a demand for payment '', yet includes in bold print an " IMPORTANT NOTICE '' stating, " This communication is from a debt collector attempting to collect a debt... Unless you dispute the validity of the debt, or a portion thereof... this firm will assume the debt is valid. '' [ Emphasis added ] I found your communication to be confusing, misleading and deceptive. I am aware that XXXX is in the regular business of collecting debt in the state of Virginia, and that because XXXX " regularly collects or attempts to collect debts owed or due or asserted to be owed or due another '', using the mails and other instrumentalities of interstate commerce, pursuant 15 USC 1692a ( 6 ) XXXX is a " debt collector ''. It is also notable that the Fair Debt Collection Practices Act 's ( " FDCPA '' or " Act '' ) definition of debt collector does not include any requirement that a debt collector be engaged in an activity by which it makes a " demand for payment '', in order for its misrepresentations or other prohibited conduct to be actionable. In other words, because XXXX regularly collects or attempts to collect debts allegedly owed another ( i.e., is a " debt collector ' ' ), the fact that you allege your communication " is not a demand for payment '' in no way immunizes XXXX from liability for misrepresentations you made or other behavior prohibited by the FDCPA when collecting or attempting to collect an alleged debt directly or indirectly. To the contrary to violate the FDCPA, a debt collector needs only to have used a prohibited practice " in connection with the collection of any debt '' or in an " attempt to collect any debt. '' Your communication is confusing, misleading, and deceptive, because the statement " This is not a demand for payment '' creates confusion and uncertainty about the need to respond and about the true nature of the risk associated with not responding. Your letter creates the false impression that because it purportedly is not a demand for payment failing to respond is inconsequential. Yet, on the other hand your communication admits that failing to " dispute the validity of the debt '' would result in XXXX assuming the alleged debt is valid -- an assumption that could impact the Consumer negatively. For example, an incorrect assumption about the validity of the alleged debt if unrebutted would leave the Consumer vulnerable to fraudulent activity, like the furnishing of forged financial instruments and other documents for the purpose of fabricating the appearance of a secured interest in the Consumer 's personal dwelling and homestea d ( a n interest that otherwise can not exist absent a valid debt ). Next, the attempt to collect the alleged debt could potentially escalate into so call foreclosure proceedings and the possible illegitimate dispossession of the Consumer 's personal dwelling and homestead via illegal asset forfeiture, whi ch may have been avoided if not for deceptive and confusing debt collection communication. This is precisely why the FDCPA prohibits debt collectors fr om using " misleading representations ''. It is a fact that XXXX is a " debt collector '' and was directly or indirectly attempting to collect an alleged debt in behalf of its principal ( s ) CARRINGTON MORTGAGE SERVICES, LLC ( " CMS '' ) the alleged Servicer, and/or XXXX XXXX XXXX XXXX , AS TRUSTEE OF XXXX XXXX XXXX XXXX A ( " XXXX '' ), the alleged creditor, when mailing its communication to the Consumer. CMS and/or XXXX , who are also both debt collectors as defined under the FDCPA, have contracted
05/06/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NJ
  • 07631
Web
I got a bad loan from XXXX XXXX in XXXX XXXX. My house was appraised for more then what the house was valued to buy it. I had the loan for under XXXX XXXX up until XX/XX/XXXX/XX/XX/XXXX when Carrington took over. I dont understand what was going on. It stated XXXX doesnt payments because they are out of business and Carringtion will collect payments. I never signed anything and I believe my mortgage was not suppose to be transfered. I had a 2yr arm at the time. In XXXX XXXX my income went down based on my business was not doing good. I stopped paying by XXXX XXXX. I tried to work it out with Carrington but it did not go smooth. So I hired someone to help modify my loan. In return I was referred to a law firm who did my loan mod from XXXX XXXX - about XX/XX/XXXX/XX/XX/XXXX when I believe the mod was done. The bank gave load mod, but all it did was add all arrears on the principal and I was still given a new revised ARM loan mod. The House was never valued then {$210000.00} from when I bought it to present. I was given a {$280000.00} Loan ( XXXX ) on a house that isnt worth that. Now the loan is {$360000.00} ( loan was modded under Carringtons servicing ) and the house still only remains valued at {$210000.00} or less. The house was then put up from short sale between XX/XX/XXXX-XX/XX/XXXX only to find out that, either the bank or realtor was lying about what was going on. The realtor said she was in contact with the bank, Carrington said they only had an office number with a different contact, but there was no contact going on. About XXXX XXXX, I have been trying to get a loan mod done. Everytime time I submitted a mod package myself, Carrington and its services reps finds a way to deny me. It is " always '' one piece of paperwork that is missing and why I get denied. Funny thing is I never received a letter from them saying why I was denied. Ive been recorded several times stating that. I hired a firm I thought who had a lawyer to help me. The kept a log which i have on documents submitted. Again every that company saw that Carrington was trying to deny me without even processing me. It got worse. I had to stop the sheriff sale twice within the last few months. XXXX XXXX I got the sale date pushed back to XXXX XXXX. Then in XXXX XXXX I had to go in front of the judge. A rep from the bank was on speaker phone. I pleaded to the judge Carrington is not giving me suffient time nor answers to make a loan mod. I showed proof I am actively working to save my home. I have always stated I intend to keep my home. So they know that, they arent giving me a chance at all because I feel they dont want me to get a loan mod. I had to file bankruptcy chapter XXXX XXXX XXXX. I saw the trustee on XXXX XXXX only for Carrington to still have an active sale date to sale. Im XXXX man going against a giant. I now have a sale date on XXXX/XXXX/XXXX, I put in my load mod package yesterday. I have to update with my P & L and bank statements. As per there site, " All requests for assistance must contain, at minimum, a completed and signed Request for Mortgage Assistance ( " RMA '' ) form. Failure to supply a completed and signed RMA form may result in delays in the processing of your request. '' I talked to my lawyer today, to save some money, he asked can I pay the money at the court house to get the date pushed back. I told him I cant because I used them alreadly. Im asking for help. This is my only option for right now. I havent received one letter from Carrington to why I was turned down by them or HAMP, which Im curious if HAMP even got the chance to review. Please help me, I dont know what else to do, I just want to save my home with fairness and not under pressure. They keep the date close, so they can find a way say im missing paperwork or tell me with out proof that I was denied and I would have to redo a new loan mod package, in hopes they can sell my home before it can get approved. Please help me
12/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29154
Web
I acquired a mortgage through XXXX XXXX XXXX inXX/XX/XXXX. The loan amount was {$45000.00}. This was for the purchase of a mobile home and land. The account was sold to XXXX XXXX about a year later. Several years later the account was sold again to XXXX XXXX XXXX I had gotten behind on payments and borrowed {$12000.00} for my in-laws to catch things up and pay the late fees. This was late XXXX early XXXX. I can provide a copy of this payment from my in laws to XXXX upon request. I will have to get the cancelled check/bank records from them. This {$12000.00} payment was not credited to the account when it was sold to Carrington Mortgage within 30 days of accepting the payment. I have tried to resolve that through both XXXX and Carrington with no luck. One always refers me to the other. After XXXX XXXX XXXX XXXX XXXX in XXXX XXXX I was working with Carrington to get out from under the Home. I had moved and no longer wanted that property. I was planning to sell for the payoff. I was offered a deed in lieu by Carrington, initially they said the would pay me {$3000.00} to agree to the deed in lieu and I would be free and clear of the property with no owed balance. Basically, they would take the home and property in exchange for the payoff. This took months, I dealt with a guy named XXXX for months on this issue. I was told initially that there were some liens against the property that were holding things up. The liens turned out to be 1. Against someone with a very similar name to mine, but not me by any means and not someone who ever had anything to do with the property or Home. 2. Against the guy I purchased the home from, the lien was placed against him after we closed on the Home with the attorneys, so was wrongfully places on the property. He no longer owned it when the lien was placed. Finally in XX/XX/XXXX XXXX advised me that we were all done. In XX/XX/XXXX my credit report changed to show that my Carrington account was closed due to deed in lieu. In XX/XX/XXXX Carrington called me inquiring about a payment, I was shocked. I told the woman that called me that the account was closed and that they had owned the property since XX/XX/XXXX She said that her records showed the liens stated above had kept the deep in lieu from being final. I explained the changes to my credit report and pulled it up while on the phone with her to confirm. She said she was going to speak with the company attorneys and get the issue resolved and would contact me back within a week. I never was contacted back, but later that week my credit report was changed and the Carrington account reopened. Now showing a balance of {$85000.00} +, {$40000.00} more than my initial loan in XXXX. I tried to contact them using the number provided on my credit report only to find 30-40 minutes of never ending ads on insurance, cruises, etc. I was never able to get anyone on the phone. I tried e-mailing XXXX as that was how most of our communication was in the past with never a return email. Finally in late XX/XX/XXXXI was contacted again inquiring about payment. I explained my situation and the changes to my credit report. I also explained that there was no maintenance or upkeep of any kind with the home or property for several months due to me being under the impression that I no longer owned the home. Again, she advised me that she would be in contact within 3 days. 3 days later later my credit report was altered again to remove statements and wordage regarding the deed in lieu. I have copies of these credit reports before and after all changes. I have not been able to get in touch with anyone since that day. I have tried calling, leaving voicemails, and emailing with no replies. Im not sure where to go from here. The effect this has on my credit is disabling. I have asked on several occasions from both XXXX and Carrington for a copy of my original contract or note and they have failed to provide the document for me
03/05/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30253
Web
Current mortgage servicing company has failed to properly credit payments ( sent in via Bankruptcy Trustee and me ) to my mortgage loan account. I filed CH XXXX Bankruptcy protection XX/XX/XXXX ( 60 mos ). My mortgage was being serviced by Bank XXXX XXXX ( XXXX ) at this time. At the time of filing, I had not made my XX/XX/XXXX payment. There were no additional outstanding mortgage payments due. On XX/XX/XXXX, I made the XX/XX/XXXX pymt and continued making payments to XXXX thereafter. XXXX NEVER sent this payment back ; INSTEAD, the payment was applied to my account. XXXX filed their Proof of Claim ( POC ) XX/XX/XXXX -- -affirming {$840.00} was due. I informed my counsel that XXXX XXXX POC was not accurate because it listed a pre-petition pymt ( payments due before BK filing ). I insisted she file an objection to XXXXXXXX XXXX claim ; however, she would not file it. I few years went by, and I brought up the matter again to my attorney via email, because I was receiving mortgage statements from XXXX stating I owed a pre-petition payment. My attorney suggested I contact XXXX and ask if they would put something in writing stating how they applied those funds from XX/XX/XXXX. As a former worker in the mortgage servicing and default management industry, I informed her that the servicing company would not provide this in writing. I, however, still contacted XXXX about the matter and they refused to discuss the matter with me and advised me to contact my attorney. I asked XXXX to provide my payment history. I forwarded this information to my attorney. She stated that she sought counsel from a partnering attorney and they both concluded the information I provided was not sufficient. My loan was transferred to Carrington Mortgage Servicing ( CMS ) XX/XX/XXXX. My mortgage statements show a pre-petition balance ; my post-petition payment. In XX/XX/XXXX, the trustee managing my case, sent funds to Carrington in the amount of {$650.00} As a last ditch effort, I contacted the trustee in writing. I provided an explanation of events, my bank statement ( proof of pymt from my account ), and XXXX payment loan history showing when the payment was received, payment amount and payment application ( breakdown and the month the payment satisfied ). The trustee did nothing with this information and instead, contacted my attorney -- -who has done nothing. I contacted ( phone call ) CMS and I asked them to ( perform an escrow analysis ) apply those additional funds to my escrow ( there was a shortage ) because, at the time, there were no post-petition payments outstanding. I contacted them almost weekly ( beginning XX/XX/XXXX ) about the status of the escrow analysis request. I was given conflicting information from several CSRs. I then sent a formal request ( fax ) to the bankruptcy department and supplied evidence to support my claim that no pre-petition payments were outstanding. I was sold my docs were not received, so I sent them again ( total of abt 3 times ). They eventually called me and verbally stated they could not apply those funds to my escrow account because the trustee had to instruct them on how to apply the funds. I was not provided with a written explanation. Instead, they called me and stated that the trustee would have to instruct them how the payment should be applied. I advised them, the trustee sent them a payment based on their Proof of Claim. On XX/XX/XXXX, I made a payment of {$190.00}, as well as the trustee in the amount of {$190.00}. Currently. there is a total of {$1000.00} in suspense/partial payment account. My monthly pymt is {$890.00}. I called to request funds in suspense be posted to outstanding post-petition payment ( since they refused to apply it towards my escrow shortage ). CMS stated they could not use funds in the suspense account because they had to receive pymt instructions from the trustee. As of today, this issue has not been resolved.
04/16/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • OK
  • 730XX
Web
In XX/XX/XXXX, I got divorced, lost my job, and was having a lot of trouble coming up with my monthly mortgage payment. I contacted Carrington about doing a modification, and filled out all the paperwork necessary, but was told my ex-husband would have to sign a quit claim deed in order for me to be considered without using his income. He refused to sign it, as he did n't want his name still tied to the mortgage without actually being on the deed to the house. When I told the customer service representatives this, they told me there was nothing they could do without the quit claim deed. So I was given no option but to continue to struggle with the payment amount. The second issue, which I am still struggling with, is that my payment on my mortgage went up XXXX XXXX without any warning. In the past when my payment has gone up, I have received a notice stating how much it was changing, when it would be effective, and gave me the option to pay the full amount up front to avoid a change in the payment amount. This time, the first notice I got was the bill for the XX/XX/XXXX payment, which was {$80.00} higher. As I was already struggling to make the payment, and increase of {$80.00} per month is not something I can afford. I called Carrington immediately and was told that upon running the escrow analysis for XX/XX/XXXX, they found that there would be a deficit due to either my taxes or home insurance going up. So, I called my insurance company. It had gone up, but no where near {$80.00} per month. Then, I called my county treasure to inquire on my taxes. They told me my taxes were actually going down, due to a homestead credit, making my taxes for XX/XX/XXXX a total of {$200.00} ( {$17.00} per month ). Then, I called Carrington to tell them this. I kept being told over and over that the escrow analysis showed that it has to go up. However, in real life, the numbers that I was getting straight from the horse 's mouth so to speak, simply did not agree. There is no way my payment should be $ XXXX/month higher. So, I called on XXXX XXXX to pay my principal and interest amount and requested that my escrow account be closed since I felt like the money I was paying in taxes and insurance would be much better managed in my hands. I got no response when I faxed in that request. Withing a week or two, I received a call from a customer service representative stating that I was past due for XX/XX/XXXX. I told her that I paid the principal and interest due to Carrington, but I was keeping the amount for taxes and insurance until I received an answer about my escrow account. She looked up some information, and told me I could n't close my escrow account because I had a government-program loan. This was the first I had heard this. Instead of paying my own bills for taxes and insurance myself ( so that I can be sure my money is going to where it should rather than just sitting in some account ) I have to send it through Carrington 's hands first. I do not like this, but whatever ; regulations are regulations. After I explained that I simply could not afford an {$80.00} per month increase, she said she would put in a request to have the difference spread over 24-48 months. I agreed to that. However, I kept getting calls from Carrington. I called back on XXXX XXXX. I spoke with a very rude customer service representative ( did not catch her name ). I explained my situation with the escrow account, and instead of trying to help, she just told me I owed money and nothing would be done until I paid it. She said the late payment had already been turned in to the credit bureau, even though I paid the money owed to Carrington on XX/XX/XXXX. Because it was n't the " full payment amount '' it was simply impossible to apply it to my account. I told her I did not understand why, since the " full payment amount '' includes money paid to XXXX XXXX and XXXX County ; it 's not theirs basically.
11/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 38637
Web
We paid our mortgage to Carrington Mortgage on XXXX/XXXX/16 - through their online payment system - where our banking information was stored. The system generated a confirmation number. We received a letter XXXX/XXXX/16 confirming this payment and confirmation number. We then received a mortgage statement from Carrington Mortgage dated XXXX/XXXX/16 showing the mortgage payment applied XXXX/XXXX/16. Then about XXXX/XXXX/16 we received a letter stating that the payment was rejected due to account not being found. On XXXX/XXXX/16 we paid the mortgage again through Carrington Mortgage system - utilizing the same stored banking information that had previously been used for the majority of this account payment transactions. The system again generated a confirmation number and sent a letter XXXX/XXXX/16 confirming that the payment had been processed. About XXXX/XXXX/16 we received another letter stating that the payment had been rejected due to account not being found. We then called Carrington Mortgage customer service and had a customer service rep assist with making the payment. The system generated a confirmation number. Then we received a mortgage statement from Carrington Mortgage XXXX/XXXX/16 showing the XXXX/XXXX/16 payment reversed, the XXXX/XXXX/16 ( {$1300.00} ) payment applied, and the XXXX/XXXX/16 payment ( {$1300.00} ) reversed, a pay by phone bill fee ( {$5.00} ) charged, XXXX/XXXX/16 payment applied, and a single item ( late fee - {$42.00} ) charged. We called Carrington Mortgage in XXXX after we noticed that the mortgage payment for XXXX 2016 had been reported late on our credit reports. I asked why was there a late charge being reported on our credit reports. I was told because the payment had been 30 days late. I explained the situation - telling the representative that we had pay the mortgage account online as we had done in the past - the system generated a confirmation number and we believe that the account had been paid - until received the letter in the mail - on both occurrences. The customer service rep explained that getting a confirmation number does not mean the account was paid - just that it was attempting to be paid. I told her with other systems a confirmation number generally mean a payment has been accepted and processed. The rep stated it was a key stroke error and that there was nothing they could do. It was not there fault. About XX/XX/XXXX I called Carrington Mortgage customer service again and asked to speak with a manager. A manager never came to the phone - but gave responses back and forth with the customer service rep and said that it was not that they could do again because it was not their fault. I explained that in 16 years we had never been late on this loan and this error in their payment processing system had significantly lower our credit scores and that we were in the process of selling the home attached to that mortgage account and purchasing another. And that this action could greatly hinder our ability to purchase our new home. The rep stated that the manager said that they could not do anything. The representative suggested to write to their customer research department to dispute the action. On XXXX/XXXX/16 I faxed a letter to their customer research department explaining that situation and asked for immediate action to be taken to remove the negative reporting for our credit reports. We supplied them with their own documentation. I called the next business day to see had they received the request and was told it would take 30 days. I called every business day after to see if they had received it and updated it. On XXXX/XXXX/16 I called Carrington Mortgage and was informed that they would not be updating our account information as it was not their fault and that we would receive a letter stating our account would not be updated to reflect that the account had not been late and that it was not their fault.
01/22/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 29906
Web Servicemember
I bought my home in XXXX of XXXX utilizing my VA loan. My mortgage company was XXXX, XXXX sold my mortgage to XXXX XXXX XXXX ( XXXX ). XXXX sold my mortgage to Carrington Mortgage Service ( CMS ) and that 's when the problems began. It started out with me not knowing that XXXX was no longer handling my account ; I figured it out when I logged in to pay my mortgage and the account was no longer listed. After several phone calls I was informed who the mortgage company was. I called CMS to get access to be able to pay online, I was told by the rep that at that present time I could not get it set up because they had not received all of my loan documents, but I could pay by phone with a {$15.00} service charge. I told the rep that I would rather pay XXXX cents for a stamp. I mailed them a check for my mortgage payment and to my surprise they sent my check back saying that they had no records of my mortgage being transferred. After weeks going by I was finally able to get the account set up only to find out that CMS had charged me late fees, inspection fees. Fast forward to XXXX, I experienced major financial issues, because of these issues I could not afford to pay my mortgage payments in full on the XXXX, I had to break my payments up paying half on the XXXX and the other half on the XXXX. Unbeknownst to me CMS was not applying my partial payments, they put them in what they call a " suspense account '', with doing that it appeared that I was delinquent. CMS sent me a intent to foreclose letter, a I called them to find out what steps I could take to save my home. In XXXX of XXXX I requested mortgage modification, after submitting the paperwork I called to check the status on the following dates XXXX XXXX, XXXX XXXX, XXXX XXXX, on XXXX XXXX I was informed that I needed to resubmit form XXXX, I faxed it on XXXX. After not hearing back from CMS I called them on XXXX XXXX I was told that my paperwork was still " under review ''. On XXXX XXXX I called to find out the status of my request, I was told that I needed to refax ALL of my supporting documents i. e. death certificate, divorce decree, bank statements, etc.I called on XXXX XXXX and spoke to a rep, he informed me that I did not qualify for a modification I qualified for a " repayment plan ''. The repayment plan consisted of me paying XXXX starting XXXX XXXX XXXX to XXXX XXXX XXXX. Because of my delinquency on my mortgage my credit score dropped significantly therefore I could not get approved for a XXXX loan to try to pay the delinquency. After expressing this to him, his only advice was to " continue not paying, that will automatically start the foreclosure process ''. After the rep saying that to me without any empathy or understanding what I was going through I had to end the conversation. I felt that I had lost everything, my father, my sister, transportation now my home.After I managed to regain my composure, I called CMS and spoke with a rep she was very empathetic and helpful, she advised me to send a letter opting out of the repayment plan and resubmit a request for a short sale. I followed the guidance and acquired a realtor and put my home on the market for sale. I got an offer in XXXX and was scheduled to close on XXXX XXXX unbeknownst to me the buyer decided not to purchase the home 3 days before we were suppose to close. The house remained on the market with no offers, I called CMS to ask what other I could pursue, I was told to submit request for DIL of foreclosure. I submitted the request and all of the supporting documents that was required in XXXX, I called in XXXX just to be informed that my paper work had NOT been routed, I called back after a couple of weeks to check the status nothing was done. I called XXXX XXXX XXXX to be told that the CMS lawyers needed to be contacted to clear my title the wrong plat and book page had been recorded.CMS is still charging inspection fees, late fees.
07/22/2015 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • FL
  • 337XX
Web
Dear CFPB, I am XXXX of the unfortunate individuals who recently had XXXX XXXX XXXX sell my mortgage to Carrington Mortgage Services , LLC, in XXXX 2015. Upon learning of my mortgage being sold, I was quickly concerned about Carrington given the hundreds of thousands of ABSOLUTELY HORRIBLE reviews and direct complaints of Carrington Mortgage Services , LLC posted all over various consumer review boards online. Once my mortgage was taken over by Carrinton on XXXX/XXXX/15 from XXXX, I immediately began to see that the never-ending consumer complains online about horrible business practices and gross incompetence including frequent violations of Federal Law by Carrington were extremely accurate and well founded. Carrington quickly proved to be completely inept and absolutely incompetent from the very beginning, while taking well over 45 days to provide me with proper paperwork AFTER their official acquisition date of my mortgage. When I repeatedly called Carrington to find out what was causing the delay and to identify payment arrangements, I was told that they were " running behind '' and that paperwork would be mailed our shortly. I was also told that because of this they were extending a 60 day grace period on payments. Well, I did not make my XXXX payment until the paperwork was finally received, however Carringon reported me for a late payment anyway, even when they had not provided paperwork and confirmed a grace period, due to their incompetence. What a joke! Contacting Carrington is an absolute joke as you will sit on permanent hold waiting to speak to someone only to eventually be transferred to another department who will quickly advise you that they do n't handle your specific issue. From there, you can look forward to being told that the department that handles your issue does not have phones and only answers requests sent to them by fax. As unbelievable as it may seem, this is normal operating practice for Carrrington. How they manage to stay in business is beyond me. I had the wonderful experience of dealing with the incompetent and inept staff at Carrington while trying to get them to pay my insurance, as it was supposed to be paid out of escrow. Not only did Carrington not pay my insurance, they sent me threatening letters telling me they were going to purchase another policy of their choosing for me at an estimated cost of over XXXX times the price of my current policy. When I contacted Carrington to address this, while asking them to pay my insurance premium, they put my on hold, then transferred me to their " escrow department '', who quickly told me they could not help me. The department that could does not have phones and only takes requests via fax. I faxed in my request in writing and emailed my request to the fax number provided along with an email to their " escalated customer complaints department ''. Five weeks later, there was no response from Carrington and my insurance was not purchased. I had to pay my home owners insurance premium out of pocket. Finally, after 2 months of the ABSOLUTE JOKE that is Carrington Mortgage Services , LLC, I have refinanced with my local credit union. Good riddance, Carrington!!!! Now I am sure I will have to spend countless hours trying to recover my escrow balance from Carrington. Carrington tells me that they will mail me a check for my escrow balance in 4-5 weeks. I am unfortunately extremely confident that this will not happen, given the gross incompetence and borderline criminal intent that is Carrington Mortgage Services. My official complaint about Carrington 's almost certain forthcoming failure to return my escrow funds will be coming in 4-5 weeks, I am sure of that. I 'm filing this complaint regarding Carrington 's failure to properly notify in writing of their acquisition of my mortgage from XXXX in a timely manner. Beware of Carrington Mortgage Services!!
11/18/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MN
  • 560XX
Web
four months ago I sent a debt validation letter to Carrington Mortgage service, disputing my alleged debt, and asking them to prove ownership of the note. they replied with " copies '' of a note signed to XXXX XXXX XXXX XXXX and declared they own it now. I sent another letter stating that copies of an alleged note do not apply under the XXXX and wanted them to show me the actual physical note in order to prove their claim of ownership, as so far their word that they do, does not serve as proof of ownership. They sent my second letter back accompanied by their own letter stating they did not know what I was asking for, so they were placing my claim as invalid. During this time I did not pay them anything they said I owed because of their failure to verify. According to notices I was receiving and my credit report, they continued to keep my " account '' active and continued to accumulate late payments. I sought to resolve this in court, I personally prepared a case using laws in the FDCPA and the XXXX, and took it to my local court house. I was turned away by the clerks saying they would not file a lawsuit unless I had a lawyer. So I began calling lawyers. The lawyers who had any knowledge of the FDCPA or the XXXX or even mortgages told me they would n't do anything until I paid a retainer and hourly fees, which I can not afford. I finally got ahold of a lawyer through the Volunteer lawyers network, and he advised me to petition the Minnesota attorney general with my complaint, which I did. My response from them was to contact the CFPB, because Minnesota judges were split on how to proceed with cases of this nature, and the CFPB was a federal body which could help. I did n't know what to do at the time because Carrington Mortgage Services was still considering my requests invalid and threatening to foreclose on my home, and time was ticking by. So I resolved myself to throw in the towel and call Carrington to try and work something out. I called them and went through an information process to try working out a repayment plan for the alleged debt and my delinquency thereof. They told me I did n't make enough money to do a repayment so I had to catch it all up before they would work with me. It took me a month to save and borrow enough money to cover what they said I was delinquent by, and I called them with bank info in hand in order to pay it. They refused to take my payment due to my " foreclosure status. '' I told them I had no idea I was officially in foreclosure and I have the money to pay. They said it did n't matter and they had to request a " reinstatement amount. '' I asked how long that would take, and this call being made on a Friday Morning they said they would get it to me by email as soon as they got it. The following Monday I received a letter from a lawyer representing them, and a letter from them as well, XXXX stating I am officially in Foreclosure. I called them same day and they still did n't have the reinstatement, I called them on Tuesday, still no statement. I ended up getting ahold of the CFPB by phone who transferred me to a mortgage councilor. Together we called Carrington and got the same result. In an attempt to wrap this up before I run out of characters, my complaints can be summed up as. 1. they claim to own an invalidated debt due to their noncompliance and willful dissent of my requests. 2. while in dispute they are allowing the " late payments '' to accumulate in order to exact a foreclosure. 3. My credit report still reflects payments are current in lieu of their claim I am in foreclosure. 4. Due to this lack of compliance, due diligence, and proper communication they are trying to collect extra late fees and lawyer costs of this entire process. None of my understanding of the law or morality says any of this is right. I have dates, documents, and legal evidences supporting all of my claims.
07/15/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 162XX
Web
Effective XXXX XXXX, 2015 my mortgage was sold from XXXX to Carrington Mortgage company. As stated on the XXXX letter of transfer, any payment due on or before XXXX/XXXX/2015 was to be paid to XXXX, anything due XXXX/XXXX/15 or after was to be paid to Carrington, mine was due XXXX/XXXX/15 so this payment went to XXXX. I never received a letter of transfer from Carrington expressing the terms of the transfer so I had to go off of what XXXX had sent to me ( at the time of transfer, I was paying under an approved Modification Agreement with XXXX ). Even after calling Carrington, I could n't get any payment information until my XXXX/XXXX/15 payment was due. On XXXX/XXXX/15 I called Carrington and asked them what my payment would be, if it would be the same as what I was paying XXXX, or if things had changed. XXXX ( XXXX ) told me that my {$760.00} payment would remain the current payment so that is the payment I made. The same thing on XXXX/XXXX/15 when I spoke with XXXX in the Home Retention department as I escalated things because I felt as though I was getting vague and inconsistent information regarding terms and conditions. However, XXXX assured me that the {$760.00} payment was the correct payment to make. On XXXX/XXXX/15 I spoke with XXXX, when I tried to make my " normal '' payment she informed me that she could n't accept it as I have n't been paying the correct amount and my account was past due. She further informed me that I had n't made a payment since XXXX ( which my loan was still with XXXX at that time ) and I would need to make a minimum payment of {$950.00} to pull my account to just one month behind. ). I asked her why I was never informed that my payment was different than the XXXX with XXXX, and why XXXX 's letter of transfer stated that " the transfer will not affect the terms or conditions of your loan '' and why I never received a letter from Carrington regarding the transfer or the increased payments. None of these questions she could answer, so I asked to speak to a supervisor, she got XXXX on the phone, but only for listening purposes, I could not get the individual to answer me directly, only through XXXX. All the while, I have been getting repeated regular mail and certified mail threatening me with " Intent to Foreclose '' but when I call, everyone that I talked to above, including a conversation with XXXX in Home Retention, I am being told that I am not flagged for foreclosure, and to ignore the notices. I CAN NOT ignore threatening mail, consistently sent, threatening mail saying that they would foreclose. Now, I have received notification that my insurance is coming dueXX/XX/2015 and that Carrington has not paid it.. I have no problems making my payments, as long as my payments are made clear to me, that I know when and where my money is going and that my escrow payments are being made on time, every time. However, at this point, I do n't know that I can trust this company to follow through with what they say or what say they are going to do. I did not ask for this, I ran in to financial trouble a few years ago, but through XXXX had finally made my way back to being on track and in good standing. Now I have to do it again with a company that has no interest in my attempts to meet their demands and insist on degrading me for being in the situation that I was and that " this is all my own doing ''. I do n't want to lose this house, I want to be on the level with whomever holds the loan, but with Carrington, I ca n't seem to do that, every time I call them to straighten things out, I find out I 'm even more behind, even if it is simply days after I spoke to them before. Please. Let me know what other information I can provide for this complaint as I need your help. Attached are the following documents : XXXX Letter of Transfer Carrington Letter for Service Members Civil Relief Act Disclosure
01/12/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MN
  • 55429
Web
On XX/XX/XXXX my garage experienced a fire. Damaging my deck as well. I was originally with XXXX XXXX XXXX at the time. My insurance company issued the funds addressed to me as well as the mortgage company. I signed the check over to the mortgage company and overnight mailed it. During the month of XXXX I sent over all of the requested documents and the company never issued out the starting percentage and made excuses every time I would call. One rep even stated that they may take the funds due to my balance owing, which at the time I was in the process of applying for a modification. My loan was taken over by Carrington Mortgage. I called them right away when the loan transferred on XX/XX/XXXX to request funds for my contractor who at the time still had not been paid. Whenever I would call I would countless reps that did not know anything and would give me the run around by transferring all over. Finally in XXXX I spoke with someone that stated that Planet Home never forwarded supporting documents for my loss draft and requested me to send them everything. After several attempts was able to submit everything to Carrington. I was advised on XX/XX/XXXX that funds would be issued out within 5 days. After over a week and reviewing their online portal, I noticed nothing had happened. I called and the rep informed me that they placed the funds in the wrong ILD account and they on that day I called which was XX/XX/XXXX were requesting a transfer which had to be done by a supervisor. I requested a call back from a supervisor, which took a week, I spoke with XXXX and informed that through the 2 month process I have not received several but one call back from my file owner. I have spent countless time working on this matter with no help from them. XXXX seemed unbothered and unconcerned. XXXX went on to say he would put in a 3 day request to have funds mailed however that it would take an additional 5 days to process. He stated to me that technically they can keep the funds and not pay the contractor if I am passed due on my mortgage and I would have to figure it out. I felt that he used his role to apply scare tatic instead of being helpful and owning the fault of what the company did. I requested for his supervisor to call me and he asked me what for he already helped me. Stated that he would have someone call me and never did. I was informed that the funds would be issued it 2 halves and the 2nd have would be disbursed once the property passed inspection by the adjustor. The adjustor XXXX came to my home on XXXX, same day received a call and voicemail from my File Owner XXXX XXXX that she received and would be putting a request in to have funds issued. I called back on XX/XX/XXXX to check the status and was informed by rep XXXX that she never made any notes and that there was not request made. on XX/XX/XXXX I requested a call from her and a supervisor, today is XX/XX/XXXX and I have not received a call. I called last night the rep " XXXX '' seemed to not know how to read notes or do her job, she end up hanging up on me and when I called back they were closed. I called back today, got rep XXXX, she was extremely sweet and helpful, she advised that she did not see any follow up notes and they funds should have been issued out weeks ago, especially being the inspection passed almost a month ago. She put in another request for a supervisor call and request that funds be issued. She is filing a complain on her end as well for negligence in this matter. I filing this complaint because I feel that this company has dragged their feet with this account, no call backs, lack of representative knowledge, rude supervisors and scare tactics. I have been threatened and harassed by my contactor who has gone some time without getting paid and got his first payment since XXXX last week. This company needs to investigated and fined.
04/24/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • KS
  • 67502
Web
I have owned my home since XXXX, I have gone been through XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and now Carrington Mortgage XXXX. I have never had an issue until last year when my loan was sold to Carrington Mortgage. My husband and I filed a chapter XXXX bankruptcy in XXXX, we were both irresponsible in our finances. When we got married and decided to have a family, we wanted to own up to our mistakes and pay back what we could as a reminder to be fiscally responsible. Before Carrington took over the loan we received a goodbye letter from XXXX that said to forward our payments to Carrington, to keep paying what we were paying and that we would receive a welcome letter from Carrington at a later date. That was in XXXX of XXXX. We continued paying and received nothing from Carrington. I called the company when we did n't get our regular statement and was told that it would be sent out, I also could not get online to view my statement or account information. I was told I was locked out of the account due to bankruptcy. I told them my home was a secure debt and had nothing to do with our bankruptcy. I was told they could only go by what the computer told them. I called numerous times for a welcome letter and statement with a promise of getting one sent, all we received were Service Member Disclosure Act letters, several of them. The only instruction I received was to keep paying what we had been paying. In XXXX I received our XXXX default letter stating that we had not payed payments from XXXX - XXXX and that our escrow was short so our payments jumped from {$720.00} to {$1000.00}, we had ten days to make the entire payment or they would file a motion from automatic stay. When I called CM I talked to a representative that confirmed that they had not sent anything to us explaining a pay plan that gave an option for 12, 24, 36, and 48 months to correct our escrow shortage. Since I had not responded they assumed I wanted to pay the shortest amount of time. Because I had not received anything dictating changes she apologized and said the situation would be rectified she would call to stop the default send a statement, welcome letter, and escrow shortage explanation. When I asked about payments she told me to continue paying as it was their error and we would receive a change of payment in the mail with our new amount. Our credit report was reported delinquent and I received another default letter XXXX saying that we have made no payments from XXXX @ {$780.00} times XXXX and XXXX @ {$890.00} totaling {$3200.00} if we do not pay the full amount there is a default under the terms and conditions of the note dated XXXX XXXX XXXX and if not cured in ten days they will file a motion of automatic stay. I have been passed to XXXX people who have " reworked '' and " analyzed '' ( manipulated ) my file, no welcome letter, not periodic review, no statement, no call back, no explanation as to why or what is wrong with my file, just that we were behind and not paying. I went to the XXXX, pulled our payment history from last year to present date and conference called and recorded the call from the bank with my cosigners, Bank specialist, and myself present. We proved we had in fact been making payments and not behind. We were told it was their system not " catching up '' and to disregard the default letters. My payment history states there are payments from XXXX being applied to XXXX payments. Many payments are noted that thought they were due per month, which they all have been paid on the same day. " reworked '' I asked about the welcome letter that was supposed to dictate the rules of engagement she said the system had n't sent all of them out yet. ( I have been with this company for just over a year. ) The women now assigned to my case ( supervisor ) refuses to speak with me as I now record my calls with -- Continued ...
08/26/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 190XX
Web
Our mortgage was sold from XXXX to Carrington Mortgage Services as of XXXX XXXX 2016. I will make bullet points so all the issues are easy to establish as there are a lot. - I called Carrington XX/XX/XXXX based on # given on letter of transfer from XXXX. I wanted to be able to start making payments immediately since we have had problems. Was told to wait to get their welcome letter with new # account and then I could start to send payments. - Received the letter dated XXXX XXXX on XXXX XXXX. It was very standard with only info on our account being our names and total amount of our loan but did have an address and stated nothing else would change regarding our loan. I sent a payment. - On XX/XX/XXXX in the morning I received a call from a woman from a # in Texas saying that she was from Carrington saying my check had been returned and they would not accept payments from me unless it was a different form of payment ( money order, cashier 's check ) because of the past due amount. I was in shock and said I did believe the check had already been cashed. Called this # back later in the day when my children were not with me as thus was very upsetting. When I asked why I did not receive any other info on this in the mail and still disagreed about the check being returned Was told to calm down and that the check was returned with information on XXXX XXXX. This was not true. Double checked later that evening and the check was indeed cashed. She had also stated that if I let it go further on I would have attorney fees. - Called the Carrington # on the letter next day and asked for a supervisor. XXXX XXXX XXXX told me there was a lock on my account and all payments past had to be made together. Said how much he wanted to assist me but his computer system was down ( was on phone for very long time ) and could not answer any of my questions. Gave me his office # and told me he would call me by end of day and really wanted to help since I was so upset. He did n't. Over the next couple of days I left him several messages imploring for help and some answers on dates I needed to pay by and other information. - Spoke to a few more Carrington employees over the next few business days. One female rep told did n't seem to have a record of me talking to others about anything but told me she could note that I would make payments every 2 weeks through XXXX but did n't think they would take them but maybe since I just came from BofA. She was very nasty and also informed me that I have had 60 days to fix this. Not true. - Because so stressed about this, family offered to help and I could pay them back later in XXXX so I had the Past 3 months ready. I called Carrington again to see how to send this payment. Spoke to a CJ ( told me could n't give last name ). Knew who XXXX XXXX was and did n't know why he did n't call me back. Informed me the 1st person should not have called me all since of a past discharge and he would " talk to her ''. Funny he did n't ask for the # she called from. Told me XXXX payment had to be included not just past amount and they would love to take my payment but this was a HUD rule .... HUD??? Our loan is VA. Asked why I did n't consider a loan mod. Asked had he been listening to me at all? Nothing was sent to me accept welcome letter. At this time- what equals 4 monthly mortgage payments including XXXX has been sent 2 day, via Cashier 's check. Tracked that it was received this afternoon XX/XX/XXXX. I plan to send XX/XX/XXXX payment on XX/XX/XXXX but am absolutely terrified of this company and fear they will string this out even though I complied in less than a week with what they asked despite terrible treatment, misinformation, lack of information. I have barely slept in days and been very upset. I understand needing to collect a debt but this was absurd and Never how XXXX approached us Ever.
12/16/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NV
  • 89141
Web
My name is l XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX.I am filing a complaint against my mortgage company for going through with a forclosure and sale date when they wont acknowledge that I sent my rma packet in a timely manner.I have been working with carrington mortgage company since XXXX 2015 when they took my loan over and started the process of sending in my rma packets to try and get my loan caught up since it was sold by XXXX XXXX XXXX to Carrington in the middle of me making payments to get caught up on and a payment plan for me but then carrington bought the laon and it took 65 days so at that time when they took over the loan my payment plan with XXXX was void now due to the sale of my loan im in default in XXXX 2015. I contacted carrington right away thats when i started working with XXXX at carrington doing rma packet to see what help i can get. I have sent rma packets XX/XX/XXXX, through XX/XX/XXXX and they keep having me resend another rma due to my XXXX and change in circumstances changed so i was told by XXXX to fill out another rma packet it was sent on XXXX XXXX by XXXX I recieved the packet and filled out and got all my documents she requested and sent them ups on XXXX XXXX 2015 through ups with the tracking # I had to XXXX XXXX to send it and it was recieved by XXXX XXXX after sending the rma packet back to XXXX I hadnt heard a reponse from her at all XXXX XXXX I called to talk to XXXX and have not been able to contact her so I talked to a XXXX who explained that the reason why im being denied help and am going to loose my home is due to my rma packet they say they didnt recieve it I gave them the tracking # to the rma package and it states that my rma packet was recieved on XXXX XXXX at XXXX to the address for carrington.XXXX and a man representative found the tracking # and found my package has been sitting in the research dept since XXXX XXXX with not XXXX employee there getting my rma packet to the correct dept to revue. I sent my rma packet too but no one went over it so when i was speaking to XXXX she had on XXXX XXXX me resend another rma packet thru fax with also a explanation letter with the tracking # XXXX that my rma packet was sent to the research dept i faxed it that day XXXX XXXX to XXXX who called after and said i recieved the second packet and she stated she was going to go over my new rma packet and try and retrieve the original from XXXX XXXX and for me to try and get ahold of programs hardist hit program to help me which i did but after the holidays and i called to speak to XXXX but got XXXX a representative was very rude had me on hold a hour told me to bad that im losing my home, im confused at this point since XXXX had given me different information about the fact that it is carrington who didnt find my first rma then they had me fax another one on XXXX XXXX then after that conversation I spoke to a XXXX on XXXX XXXX where she requested the tracking # XXXX ups form be copied and faxed to her to prove the rma packet was recieved on XXXX XXXX at XXXX I faxed it immediatly. so I should have been given the opportunity to qualify for a program to help keep my home. Come Monday I called carrington again and then they said that it was too late and I couldnt do nothing else im filing this complaint due to carrington not doing there job by losing my XXXX XXXX rma packet not reviewing it and then putting a sale for XXXX XXXX 2015 without giving me any opportunity to pay a payment since thet took my loan over I have been doing everything carrington has requested from me and my packets are complete. On XXXX XXXX I called carrington again and got another representative XXXX XXXX who is a manager who listened to my delimma and told me to call back wednesday XXXX XXXX to see if they can fix there mkistake thats going to make me lose my home for their mistakes.
08/13/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30122
Web
My husband was laid off of his job in XX/XX/XXXX and we were able to maintain our mortgage payments until XX/XX/XXXX. We applied for the home affordable mortgage ( HAMP ) program with our current servicer, Carrington Mortgage, on XX/XX/XXXX. We received a non-approval notice from them dated XXXX. We requested information about applying for a short sale under the home affordable foreclosure alternatives ( HAFA ) program on XX/XX/XXXX. We submitted all the required documents and our home listing with the realtor on XX/XX/XXXX to the servicer. On XXXX XXXX, XXXX, we received a notification from the servicer that the initial package for the short sale was completed and we should receive an approval or denial response within 45 days. During this time, the home was been shown to potential buyers and on XX/XX/XXXX we received an offer from a buyer and signed the paperwork to move the process forward for selling the home. The servicer was notified of the offer. On XX/XX/XXXX, the servicer sent a vendor to the home and he destroyed the lock casings on the front and back doors, destroyed the lockbox and replaced ( rekeyed ) the lock on the door leading to the deck. The doors to the basement were left wide open and the home was subjected to vandalism and our household property was subjected to being taken by thiefs. No trespassing signs were placed on the property courtesy of Carrington Mortgage. Therefore we were locked out of home and unable to be on the property, which still contained our furniture and personal property and prevented the potential buyer ( s ) from inspecting the home. We spent a lot of time preparing and maintaining the home and grounds for the sale, but we were no longer allowed an the property even the property was not foreclosed. We felt our rights had been violated by the servicer. We contacted Carrington on XX/XX/XXXX to inquire as to why the property was locked up and basement doors left open with a pending offer on the table. On XX/XX/XXXX we were told they would send us a set of keys to the new lock. We resubmitted another HAFA package ( on XX/XX/XXXX ) due to numerous threats by Carrington to foreclose on the property even though we had complied with everything requested of us to prevent a foreclosure. On XX/XX/XXXX we received a set of keys ( XXXX ) from the servicer stating XXXX of them would open the lock on the door leading to the deck. We went to the home ( XX/XX/XXXX ) and discovered the front door wide open and the basement doors remained opened. None of the keys fit any locks to the home. We went inside the home and found some damage to all the exterior locks, trash left inside the home and window treatments destroyed. We locked up the home to prevent further damage and prevent our personal property from being stolen ( but this also prevented us from reentering the home and the buyer from inspecting the home because we did n't have keys to the rekeyed locks ). I contacted the servicer on XX/XX/XXXX and informed the representative about the keys not fitting the locks and was told someone from home retention would call me the next day ( I left my contact number ). On XX/XX/XXXX, I contacted Carrington again to report the issue with the keys and was finally connected to XXXX XXXX in home retention. I explained the situation to her and was promised that a new set of keys would be sent overnight to me. This has been a very stressful, unpleasant and inconvenient experience for me and my family. Carrington failed to properly communicate ( even when I provided our contact information to them ) any of this with us or the VA, which is the holder of our mortgage. They mishandled this matter by taking possession of the home without properly notifying us of their decision on our initial completed HAFA short sale package or pursuing foreclosure proceedings, as required by Georgia law.
08/26/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 21784
Web
I lost my job in XXXX 2015, and I was unable to make mortgage payments from XXXX through XXXX ( XXXX months ). When I was rehired in XXXX, I attempted to start making payments for XXXX forward, but those payments were rejected. Carrington will only accept full payment of the arrearage. I have escrowed those payments, and I will continue to do so. We are ready to resume making payments, and we are simply trying to figure out a way to structure payments for the four months of mortgage that are outstanding. We reached out to the original lender ( XXXX ) for mortgage assistance the very day I found out I was laid off. In the middle of that process, the loan was sold to Carrington, and we had to begin the RMA process again. After sending and resending documents, the RMA was denied on XXXX because of a lack of proper paperwork. We were not able to produce some of the paperwork, and we explained that in very specific correspondence. ( The biggest frustration was that we were told by XXXX to submit an explanation letter with our RMA response to detail each of the variances. When speaking with the Carrington representative about the denial, she told us the firm expected each of the concerns to be sent as separate letters. We were denied, in part, because we sent XXXX letter outlining all of the issues instead of sending multiple letters. ) Figuring this was just a paperwork error, we were offered the opportunity to file another RMA - and we did so. ( Within XXXX days of being denied. ) We were told a representative from XXXX XXXX XXXX would contact us to assist us in preparing the RMA, but we never received any contact from XXXX. XXXX XXXX from Carrington ( who has been our main point of contact ) spoke with me on XXXX, and she indicated Carrington was missing : certain pages of the RMA, XXXX paystubs each from my wife and me, and our XXXX tax returns. We sent all of that information on XXXX. We also included a letter of explanation regarding our pay stubs : I had only received XXXX paystubs at the time because I started my new job on XXXX, and XXXX was transitioning from PT to FT employment so she did not have paystubs showing her FT employment. All of the documents I sent were routed to XXXX 's email address as well as the XXXXXXXXXXXX email address. I resent the files on XXXX to both email addresses. On XXXX, I received an email from XXXX informing me the file was complete and was being sent to underwriting where it would remain for XXXX days. On or about XXXX, I was informed there were still issues with the paperwork - missing pages from the RMA and missing paystubs. I sent the RMA again on XXXX and send a payroll report from my employer ( with an explanation that obtaining replacement paystubs was not possible ) to both emails on XXXX. On XXXX, I had XXXX paystubs from the XXXX prior weeks, and I scanned and sent them to both emails. Since I knew we were on a deadline, I called Carrington and asked the representative to confirm that the information I sent was sufficient. She told me that it would take XXXX days for Carrington to review the information. We were notified earlier this week that our RMA was once again denied - because Carrington did not have XXXX consecutive paystubs from me. What they had was a payroll record from my company showing all of my pay from XXXX ( my start date ) to XXXX ( the date of the report ) + XXXX additional paystubs. This is really simple : We missed XXXX mortgage payments because I was laid off. We are ready to start paying normally from XXXX forward. We just need to figure out how to manage the 4 months where we missed the payment. There is no need for all of this paperwork - and for the frustration of being denied repeatedly because of an overly automated process. Ca n't a human being get involved to make this happen? It 's an amazingly simple opportunit
07/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33027
Web
My problems with my mortgage lender has been ongoing for several years. It started when XXXX XXXX misled me at origination and coerced me into a negative amortization loan and then continued through XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and now Carrington. I feel that I am not getting a fair shake and not getting access to the federal, state and internal homeowner assistance programs that exist for people in my situation. As a result of this predatory loan and my business being crushed by the recession as well as hurricane damage I am way behind on my mortgage. I have tried many times to get reviewed for homeowner assistance programs but get conflicting information from my mortgage company and indifference. Carrington took over the loan a couple of months ago and it seems to be more of the same. I have had a good job for several years now and have recovered financially. This is a situation that could be resolved if Carrington were to fairly negotiate with me. I have been in my home for 25 years and don't want to lose it, but feel it slipping away because the lender will not even give me a chance. In XX/XX/XXXX I had to deal with a major fire that damaged my home, and slowly rebuilt everything with the help of a construction loan. In XX/XX/XXXX the agents from XXXX XXXX ( predatory subprime lender who went out of business ) convinced me that as a XXXX XXXX XXXX XXXX that a pick a pay loan was the way to go. I had no idea how this loan worked, nor the fact of how quickly and high the rate and payment could adjust as well as the actual balance increasing due to the negative amortization feature. Like many Americans, the recession hit me hard and my XXXX business struggled and eventually had to shut down. I was able to keep up with my financial obligations for the next couple of years because of my savings but once that was gone I was in a tough situation. I applied for help with XXXX XXXX XXXX XXXX ( who now held my loan ) and they did offer me a modification, however, the monthly payment was not even close to affordable based on my income at the time so this did me no good. My loan was then transferred to XXXX and I spent the better part of the next year chasing documents with them and never got anywhere. The loan was then transferred to XXXX XXXX. By this time I was gainfully employed as a XXXX at an event planning company and was in a position to afford a fair payment. I applied for help through XXXX XXXX, but it was an abyss -- transferred from department to department, the right hand not knowing what the left hand is doing etc. Eventually I got into review and they told me that my application was denied because XXXX XXXX claimed they had made me a modification offer a few months prior and that I did not accept it -- so I was told that was the reason for the denial. How can I accept an offer I don't even know about??? It makes no sense. I did everything I could to try and get XXXX to reconsider and work with me based on the current financial situation but could not make any headway. The situation was made worse by damage to the property and especially the roof from the hurricane. XXXX XXXX was trying to claim some hugely inflated value without taking into consideration the damage. I am sitting here with a good job and the means to make a fair mortgage payment. XXXX and XXXX were both terrible partners to work with, and despite my best efforts I still have no resolution. Based on my initial contact with Carrington it seems they are just as bad as these companies if not worse. I know that I am entitled to be reviewed and considered for federal, state and internal modification programs and I need them to work with me. All I want is an affordable modification so I can resolve this matter and pay on my debt. The situation is exacerbated by the predatory nature of the toxic loan that I am in.
01/23/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60411
Web
I have never been this frustrated in my life as I am with this particular situation. I have reached out to the customer care and dispute services available through Carrington Mortgage and I am completely dissatisfied with the overall service, experience and outcome of my payment dispute inquiry. I attempted to refinance my home loan only to be told that my account showed a past due payment. First, I have never been late on a monthly payment. In fact I often pay early to prevent discrepancies against my account. My loan was originally through XXXX XXXX XXXX and my mortgage was sold to Carrington Mortgage services in XXXX XXXX. This is where the issue began. I attempted on XXXX to keep my loan with XXXX to no avail. I assumed everything was fine until my attempted refinance dispute. I disputed the late payment charge and I waited over a month for response or an indication that the team handling my dispute would look into my complaint as well as my payment history. I called on multiple occasions to be told we are looking into it & will have a resolution by XXXX XXXX, XXXX. This never happened. Not only was the research into this complaint without merit but there was no effort applied to get a legitimate response. I sent in a dispute letter under the direction of a XXXX XXXX from the payment dispute department on XXXX XXXX, XXXX. I advised him that I spoke with someone from both XXXX XXXX XXXX prior to my loan transfer to Carrington mortgage services and an employee from Carrington mortgage services on the same date of XXXX XXXX, XXXX. I indicated that I was told by both employees that was current with my payments on my loan. I was told that all I had to do was make an additional {$79.00} payment from a woman from XXXX XXXX XXXX for a small change of price to my loan due to a tax fluctuation and that was all that I had to do to keep my payments in good standing prior to my loan being transferred over to Carrington mortgage services. Based on my own investigative work I discovered that I in fact made the payment with XXXX XXXX XXXX employee over the phone the same day the transaction was made against my account on XXXX. My full payment was not transferred over when Carrington mortgage took over my loan. Had Carrington mortgage only checked to see that they had recently taken over my loan in the timeframe ; corresponding with this discrepancy in payment & simply considered my consistent payment history ; that had always been intact and timely they would have resolved this problem before it even started. Furthermore when I spoke with XXXX XXXX regarding my loan on XXXX XXXX he indicated to me that the reason why my loan was showing incorrectly was because of the payment change in XXXX that he showed that I was to pay an additional {$170.00} against my account. I recall speaking to someone from both XXXX XXXX XXXX and Carrington home loan services and I was again told that my account was in good standing and that if I wanted to pay additional towards my principle-I could but not required to as long as I made my regular payment my account would stay current and in good standing. I was given a statement that had three payment options for principal from Carrington home loan. Since I was told this on more than one occasion and precisely from a representative from XXXX XXXX XXXX & Carrington-I took this advice. Next, I am looking for clarity. No one can give me a straight answer regarding my account. Every answer is different and nothing is consistent. I have bank statements showing every payment applied to my account for both XXXX and Carrington. However, they are ignoring this information as invalid with no reason why. I was just told on XXXX XXXX, XXXX that they do n't see my XXXX additional payments but never confirmed with XXXX. I am appealing the decision but I am not receiving help to resolve this.
02/02/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28269
Web
Carrington Mortgage Services ( CMS ) is not providing fair or adequate service to help me bring my loan current. Calls into Customer Service are frustrating an ineffective. CMS began servicing my mortgage in XXXX XXXX. I submitted XXXX payments in XXXX, XXXX was cashed, the other returned. Called in to the Customer Service department and experienced the following : XXXX/XXXX/XXXX - one my very first call to CMS, I spoke to XXXX ( XXXX ) said my loan was in foreclosure ( I had not received any notice of this ). He stated that my recent payment would be returned and they are not able to accept any payments. I asked to speak to a Manager. He placed me on hold, returned to say he spoke to a Supervisor and there was no other information for me. XXXX/XXXX/XXXX - spoke with XXXX ( XXXX ), asked immediately to speak to a Manager regarding a complaint that I had, she placed me on hold, returned, stated that she reviewed my account and asked why I was so " angry '' the last time I called in. I was very calm when speaking to XXXX and asked her was it listed in my account that I was " angry ''? I told her I felt labeled and did not feel I would get fair assistance if that information was listed in my account records. She stated she would transfer me to a Supervisor " XXXX '' at ext. XXXX but she transferred me into a voicemail system loop that disconnected after trying to connect 3 times. XXXX/XXXX/XXXX - spoke with XXXX ( XXXX ) who transferred me to Supervisor XXXX ( XXXX ). XXXX stated that my acct. had been flagged for foreclosure but an acct. number had not yet been set up. She stated that she was escalating to the foreclosure dept. She stated she would call me back in 48 hrs. XXXX/XXXX/XXXX - spoke with XXXX ( Relationship Manager - XXXX ) who stated that the foreclosure status had been removed and I was now able to make payments. He stated that account was in past due status and payments needed to be made in certified funds and could be sent via XXXX XXXX, Wire Transfer or overnight. He quoted past due amount of {$6700.00} and stated that partial payments would be returned. XXXX/XXXX/XXXX - mailed in past due amount in certified check via XXXX overnight service. Arrived and signed for on Thursday ( XXXX/XXXX/XXXX ) by XXXX at XXXX. XXXX/XXXX/XXXX - called and spoke with a rep that stated that my check was not yet in the system and instructed me to call back on the next business day - Monday ( XXXX/XXXX/XXXX ). XXXX/XXXX/XXXX - spoke with XXXX ( XXXX ) and she informed me that my payment had not yet been received and will be returned because it does not cover the full amount due. She stated that she could not assist me further. When I asked to speak with a Manager, she stated that there were only 2 on staff and that she could not get one of them to assist. She stated that I could be transfer to voicemail and they would call me back in 2 days. She stated there was no other department I could be transferred to and no other number I could call. She stated that CMS did not have a process in place for escalating complaints. I told her that I would rather wait for a Supervisor but she never transferred me to a Supervisor. She stated that the Supervisors were on other important calls. I told her that I would not hang up until I spoke with a Supervisor or someone that could assist me today, she then transferred me to a voicemail. This runaround is unacceptable and it appears that I am being treated unfairly and not provided support to ensure my account is brought current. I believe this practice is intentional so that I end up in foreclosure and lose my home. I do not believe CMS is interested in helping me bring my loan current or save my home. It appears that from the very first call into the customer service department that I was labeled and therefore not able to receive fair service/treatment.
01/28/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • GA
  • 30350
Web
Carrington Resolution Services ( CM ), currently claims to service an unsecured debt which was illegally originated by XXXX XXXX XXXX ( XXXX ), in XX/XX/XXXX after short sale of my property. Prior to short sale, I was told that the remaining balance outside of the short sale proceeds would be charged off in the amount of {$45000.00} and that I would be responsible for paying taxes via Form XXXX.To my surprise, at the time of closing for my short sale in XX/XX/XXXX, everything changed at the last minute. I was coerced into signing an unsecured promissory note in the amount of {$60000.00}, or my entire short sale would be irradiated causing me further financial harm. I was in a XXXX state of mind at the time of the transaction and was unable to afford proper representation, in order to protect my interests. However, I 'm now concerned about the multiple issues surrounding the net tangible benefit, deception and creditor abuse that I 've suffered as a result of origination of this unsecured mortgage debt.For starters my original loan from XX/XX/XXXX with XXXX ( XXXX ) is believed to have been a predatory loan, which is where this unsecured debt in question derives from. In fact, I 'm positive that my appraisal report from my XX/XX/XXXX transaction with XXXX, was padded in order to satisfy underwriting guidelines to qualify me for the original loan. I have addressed these concerns with XXXX, prior to filing for short sale back in XX/XX/XXXX. All of my request to investigate fell on deaf ears and ultimately I was forced to short sale the home after long, unsuccessful and endless attempts at modifying the loan with XXXX. XXXX, acquisitioned XXXX in XX/XX/XXXX and is known as XXXX of the worst deals in the financial services industry to date. XXXX, a subprime giant, was collapsed primarily due to its responsibility of originating loans which ignored basic underwriting guidelines. XXXX, is legally responsible for all XXXX, wrong doing and abuse, as well as they have been forced to settle more than XXXX dollars in legal fees and restitution behind XXXX 's illegal origination tactics.XXXX, and these practices embody the very definition of predatory lending at its worst ; from indulging in appraisal fraud, falsifying income, ignoring basic underwriting guidelines as well as an array of violations to The Real Estate Settlement Procedures Act ( RESPA ). Per the Fair Debt Collection Act ( FDCPA ), both XXXX and XXXX are required to provide all information to prove up the validity of the debt. There has been no evidence been provided by XXXX, XXXX ( XXXX ) nor CM surrounding the above mentioned loans origination, chain of title and all custodial servicing assignments are unclear.Due to the XXXX, XXXX and CM, failed response to my issues, I 'm now considering raising this matter in District Court as I feel it may be the proper venue for action under 28 U.S.C. Section 1391, because one or more of the Defendants maintains executive offices in or conducts business in the district relevant to where real estate is located in this concern.The interagency Statement on Subprime Mortgage Lending enumerates certain tactics that XXXX indicate predatory lending. Nonprofit groups have also published widely accepted guidance on these kinds of practices that may constitute predatory lending. Predatory loans typically combine risky loan features, thereby placing the borrower at an excessive risk of default or foreclosure.For purposes of this Complaint, " Combined-Risk Loans '' are loans that meet the definition of high-cost loan under HMDA. HMDA, which is an extension of The Home Ownership and Equity Protection Act ( HOEPA ) and enacted in XX/XX/XXXX as an amendment to the Truth in Lending Act ( TILA ) to address abusive practices in refinancing and home-equity mortgage loans with high interest rates or high fees.
02/05/2017 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • WA
  • 99004
Web
I received an email from my mortgage company, Carrington, on XXXX from XXXX XXXX ( attached ). The email contained a refinance offer that said the entire process to close would only take 3 weeks, and would not need to verify my income among other promises in order to close the refinance. In a letter dated XXXX, I received a denial for the refinance from Carrington ( attached ). The letter stated that I was denied the refinance because they were unable to verify my income, the very thing they stated originally that they would n't need to do, and I was already told by XXXX XXXX from Carrington Mortgage that she had already verified my income by calling The XXXX toll free number. I am employed full time by the XXXX and have been for almost 13 yrs. Why did they not contact me first before denying the refi, if they supposedly can not verify my income? Also denied due to excessive obligations. While, I do have some debt, I was informed by XXXX that the underwriter only needed to see two months mortgage payments in savings. I have approximately 4 months in savings, and over XXXX in my XXXX IRA retirement that they saw statements for and verified that the amount can be taken out without penalty. My credit score and report are also far above average, and I have proven that I can pay my mortgage, on time each month with Carrington through my mortgage history. My income has decreased from XXXX to XXXX. I made approximately XXXX in XXXX and approximately XXXX in XXXX. My base salary is XXXX. However, this is a relatively small mortgage at only {$130000.00}. I have a renter living in the house right now on a year lease. So they are paying my mortgage. I have a property management company managing the house right now. I have a very high credit score.Nothing negative on my credit report, ever! And I 'm XXXX XXXX XXXX. I have been with my current employer for almost 13 years. The original e-mail stated that this process would take 3 weeks ; overall my experience was a day shy of 3 months. All information was sent in a timely manner- within XXXX48 hours upon request, however, when I requested communication or clarification from Carrington I either did n't receive a phone call/e-mail back or the communication did n't address my concerns. E-mails such as the XXXX that I sent XXXX XXXX on XXXX asking about the current process length and repeated requests for income were completely ignored. I called him around the XXXX of XXXX and still no reply. I also emailed and called and left a voicemail for XXXX XXXX in early XXXX, still no reply. I called and left a voicemail for XXXX 's supervisor about XXXX XXXX. Again, no reply. In fact, after requesting more documents and me sending them, I have not heard from somebody again, only a denial letter by mail. I feel like Carrington Mortgage was operating under deceptive practices and had no intention of granting the refinance from the beginning. With the Presidential election, they knew that mortgage rates would rise, which they did sharply. They wanted to lock me into the process while the rates were low so I would n't start the process with another lender. They drug out the process until the rate lock I had secured would be ineffective and I would have to have a much higher interest rate if I continued to refinance- thus in turn making them much more money over the life of the loan. I think it would make financial sense to them to grant me the refi since my payment would go down making it easier for me to make the monthly payment. So their argument that I do n't have enough income and too many obligations does n't make sense to me. I would like to refi right now with another company, but rates have gone up dramatically since. I wish that I had done my research before attempting to refinance through them. XXXX XXXX - XXXX ext. XXXX My Carrington contact.
05/25/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TN
  • 37849
Web
To whom this may concern, my name is XXXX XXXX. My husband, XXXX XXXX, my XXXX children, ages XXXX & XXXX and myself live in XXXX, TN. We are devastated and terrified that our mortgage co., Carrington Mortgage has deliberately and methodically steered our mortgage into foreclosure for their own monetary gain without any concern for our family or well being for us & our young children. They have now issued a sale date for XXXX XXXX, XXXX. Our hardship began in XXXX when I was injured in a car accident that was not my fault. I was unable to work for some time because of the injuries sustained. I continue to be under doctor 's care but I have recently taken a job for far less than I used to make just to try and make ends meet. I still have to take pain meds daily although I want to discontinue them as soon as possible. When we first reached out to Carrington to let them know of our hardship they said they would send us a package in the mail to fill out and we should n't worry because there were programs that could put us back on track and possibly even lower our monthly payment. We told them that we had a modification prior to but the person told us as long as we had a new hardship than it should n't be a problem getting a new one. That is really when our nightmare began with them. We began the process of submitting the modification package to them and we began to experience continuous runarounds when we would follow-up to see if they had received what we had sent. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' It almost appeared, in time, that they were purposely losing documents or pretending to lose documents to stall the process of attempting to get a modification. Something was going on with our file because the hurdles and roadblocks seemed to increase although we continued to give them the documentation they kept asking for repeatedly. 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' 1024.41 ( b ) ( 2 ) ( B ) " Notify the borrower in writing within 5 days after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' Month after month we continued to endure phone calls & emails not being returned. When we would get through to someone, we would be assigned a new account mgr. and would have to explain our situation all over again and that person would want updated pay stubs and bank statements. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why were n't we assigned a single point of contact to assist us in saving our home? The next thing we knew, we were in active foreclosure and soon after that a sale date of XXXX XXXX, XXXX was issued. How is that possible when we were still trying to get a modification? 1024.41 ( g ) Dual Tracking is prohibited. " Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. We desperately need someone to intervene and contact Carrington Mortgage and postpone the sale date while someone reviews a new financial package that we just submitted. We ca n't lose our home, we would have nowhere to go. Please help us!!! XXXX & XXXX XXXX
10/31/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NC
  • 27295
Web
My husband and I recently purchased a home, initially XXXX/Carrington XXXX was our lender. We completed the entire lending process with your company, even received a clear to close and then were told last minute our loan could not be funded. Understandably this was due to issues with employment verification for my husband as he was placed on a medical leave due to XXXX XXXX issues that partly resulted from the strenuous, stressful, and unorganized mortgage process. You see, the issues with our funding being pulled was just the final nail in the coffin for this process. We started the process and were preapproved by our loan officer XXXX XXXX on XX/XX/2019. We quickly made and had an accepted offer on our property with a scheduled closing of XX/XX/2019, this of course was contingent on the sale of the property I owned at the time. This property quickly sold and our closing was pushed to XX/XX/2019. XXXX XXXX was on board and we were quickly set up with loan processor XXXX XXXX, and this is where the problems began. Initially in the process XXXX seemed to be proactive, and then we would go days with responses for her or XXXX. With our closing date quickly approaching myself, our agent, and the selling agent began emailing XXXX to ensure the loan was being processed in a timely manner, information was provided to XXXX quickly after requested. Fast forward to XX/XX/2019, less than 24 hours before scheduled closing and XXXX advised the loan was not ready to close. At this point the buyers of our property could not make alternate arrangements to postpone their closing so our family, including XXXX children and 3 dogs were displaced. This resulted in thousands of dollars in hotel expenses, storage costs and boarding fees, as we were displaced for almost 8 weeks after three initial closing date. After the first missed closing date we were issued a closing disclosure from XXXX with a closing date of XX/XX/2019 therefore ourselves, agents, and closing attorney were all under the impression this was the new closing date and arrangements were made to close on XX/XX/XXXX, again less than 24 hours before XXXX informed us closing would not be happening. Follow this she then began asking for documents that should have been requested early in the loan process such as tax information, SSI information, proof of employment and income. We quickly returned these documents but this delayed the process until we finally received clear to close on XX/XX/XXXX. Then much to our surprise received a call from XXXX XXXX advising they could not verify my husbands employment status and unless he could have someone in his HR department clear this up the loan would be placed on hold. My husband returned to work despite doctors orders but on XX/XX/XXXX we received an email from XXXX stating they were not going any further with the loan documents. We have since worked with another lender who was phenomenal and got us into our home in less than 4 weeks with no issues. Let me just say my first home was financed with Carrington, I worked with XXXX XXXX and XXXX XXXX and they were excellent, the process was quick and easy. Im not sure if it's the transition to XXXX orb this loan team but I will not recommend this loan company to anyone in the future as this was the worst and most expense experience of our lives. Calculating hotel expenses, storage costs, boarding fees, and medical expenses endured from the stress and anxiety caused XXXX/Carrington has cost our family thousands and thousands of dollars should have been used to settle comfortably into our new home. I have all email correspondence with all XXXX and Carrington representatives during this entire transaction if needed for your documentation. I can also provide documentation of costs endured due to the negligence of your organization upon request.
10/18/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 63116
Web
I previously filed a complaint with the Case Number Case number : XXXX. The response received from the Mortgage Service Provider as their response identified illegal compliant issues that violate HUD, FCRA and conflicting information with handling disputes that is not on their disclosures. As in my previous complaint, all I needed was a one month forbearance to get caught up and avoid paying excessive late fees. I was advised by CMS representative that the company does n't participate in forbearance options. I encourage to listen to the phone calls for validation. This is not true as HUD has multiple forbearance options such as special forbearance, formal forbearance and informal forbearance. I 'm not disputing RESPA or the escrow applied. How is this relevant to my complaint? Does paying all the late fees to Carrington Mortgage impact the escrow? This does n't make sense. The company is bringing up the purpose of the FCRA regulation ; however, the FCRA regulation does have verbiage that company may not report negative information. Considering, I was unable make a payment via IVR due to line being busy ( falls into a technical issue on the company behalf ). Additionally, the negative information remained on my report without indicating the transactions are in dispute while the transactions were in dispute. I only received XXXX RMA files, the XXXX I filed out at fax ; however, the company did n't receive it. I received XXXX later after being told my options resulting in disqualification. The company charges excessive fees for making payment. {$15.00} for placing with CMS, {$5.00} for placing through and IVR system? Before XXXX this company collected late payment fees in addition to other fees via IVR or calling through CMS. Just as it is reported on the company website it states ( additional fees may apply ). Additionally, I find this odd as that verbiage on the disclosure ( may be submitted ) is also verbiage on the Discloser that is related to FCRA. All complaints to be submitted in writing is not reported in the company disclosure. Based upon your investigation, CMS did not accurately report the loan status to the major credit reporting bureaus. I am being held liable for technical issues of the company additionally, they inaccurately reported my information to the bureaus during a dispute. In the past, the only payment options encored a fee. I only had online access through public Wi-Fi spots which are not safe or secured or by mail to a lockbox which I was concern that it will receive and/or process late by the time I had the money in the account. I agree CMS has payment options but majority of them requires additional fee. CMS is not committed as they are not properly following the FCRA regulation, detailed information is missing from their disclosures. I only request for a month forbearance ( which Is rather simple for most data furnishers ) without filling out excessive paperwork for a loan modification which I was informed I do not qualify. Also, provided it appears, I 'm being mis-directed by CMS which is providing RESPA and escrow accounts escrow accounts that is not relevant to this complaint. Being misled from more than a few representatives within CMS. In short, CMS responses are irrelevant, unjust and dishonest. This has already caused a hardship as I have a deck that is collapsing and needing replaced estimating XXXX. which I do n't not have. I had an excellent credit score and enough equity for a refi with a cash out option ; however, providing the negative information, prevents me from the cash out option and now I have to resolve another safety concern. Additionally, I do n't have a computer and was going to use the cash out option to purchase a computer so that I can go back to school to get my XXXX XXXX and XXXX to keep my XXXX.
12/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MS
  • 392XX
Web
I began modification application assistance for my home in XX/XX/XXXX, and started submitting documents about myself and my mother who lives in the home with me and my XXXX daughters. I continued submitting documents as requested to complete the file up to XX/XX/XXXX, which included copies of my last two years of tax returns, to expedite things as advised by an agent with Carrington Mortgage Services who had my loan. I was advised this would move things along without them having to wait for documents from the Form 4506T. I had communication with them from XX/XX/XXXX up thru XX/XX/XXXX to check for whatever was needed to get my file to underwriting. On XX/XX/XXXX, I was told I had a complete package and my file was gone to underwriting and I needed to just check back in weekly to follow up on the process. I went out of town for XXXX, got back to find a XXXX XXXX XXXX agreement on my doorstep. I found also today that the foreclosure was still executed on XX/XX/XXXX, although I was told on XX/XX/XXXX it would be postponed and my file was completed and gone to underwriting. Today the person I spoke to XXXX, claimed the notes of that call were not there, and she had no evidence of the conversation I had with the agent who told me her name is XXXX, I also spoke to on XX/XX/XXXX. I found also today when speaking to the agent from the evictions department that the call from the XX/XX/XXXX was not documented, and the one from XX/XX/XXXX was not documented correctly, with the same woman, who claimed I hung up in process of the call, when I had a whole conversation with her supervisor, or another lady she put on the phone who pretended to be her supervisor. The person advised me what else was needed, and I submitted remaining documents later that day, XX/XX/XXXX. XXXX was upsetting to speak with during the call and I did not want to continue speaking to her and asked to speak with someone else. Her documentation is inconsistent with the conversation we had, and she deliberately misled me to believe I had an opportunity for modification when I did not or my file may have still been incomplete, because the evictions person said it was marked in the notes as of XX/XX/XXXX I was advised nothing had been received. This did not happen on the call. She reviewed documents received, and advised me to update my profit and loss statement and send in current bank statements, all of which I did. I have spoke to this XXXX since I got started in XX/XX/XXXXabout documents needed at least 3-4 times. One person reached out to me from home retention with a phone call, and when I followed up, at was at times difficult to be sure if they were doing anything with all the documents I sent in for 2 straight months. I was also advised by this XXXX early on in the process on a call to keep completing my modification package, and attorneys sending me stuff about foreclosure was just a formality. This was in early XX/XX/XXXX or late XX/XX/XXXX on a call. No one consistently followed up or ever sent any packages on workout offers, other than letters to keep telling me things were missing I had already sent. When I called, they would review and say they saw stuff, then say ok send this or that, but it seems they never sent anything anywhere. They kept turning down my documents or saying I didnt have what I needed to be reviewed. It seems they were deliberately putting me off to foreclose on the property. At any rate, I was lied to about the modification process, and foreclosure still went forward, although I was told it would be postponed for the review of my documents. The records and live conversation recordings need to be reviewed. I have every email with attachments I sent in to them, which includes date stamps. No one there was actively working to help me. I never had a case manager or anything.
03/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 482XX
Web
My mortgage loan was purchased by Carrington Mortgage and my previous mortgage company sent me a letter notifying me of the purchase. After not receiving any information on how to make my payment, I googled Carrington Mortgage, called them and asked how much and where my payment should be sent. They said I had an outstanding balance so I paid that. They told me to keep paying the same amount I was paying with my old mortgage because they didn't do an escrow audit yet. I put my payment on automatic through my bank and paid them by the first of the month every month the full amount. Mid year I was cosigning on a loan for a relative and found out that my credit score had dropped almost XXXX pts XXXX to XXXX or so depending on where I looked. The loan was rejected. I called Carrington again and they said I had fees and a different escrow amount so none of my last few payments were credited to my account, rather put into a non-processing holding area. I again paid the fees and the total amount due and adjusted my automatic payment to the new escrow and mortgage amount. I wrote them several letters, talked to many agents and was consistently told that I could not fix the problem. My credit score dropped by almost XXXX points and they kept charging me fee after fee for months while I was trying to make everything straight. While I was talking to an agent I asked how I could eliminate the property taxes coming out with my mortgage payment. The agent told me there was no option for me to pay my own taxes. Toward the end of last year when my property taxes were due I wrote them another letter asking what my options were to eliminate my taxes being included in my mortgage escrow payment they responded with other information but no answer to the question. I found out they bought the mortgage with my mailing address being out of date from the old mortgage company but they did have my correct phone number and my email address correctly documented. They claimed that they called me many times to tell me the escrow has increased so I could adjust my payment. I never received a letter, voicemail or email. Late last year I answered one of the calls after identifying the company from an earlier call so it was taken off my phones spam list. When I answered the call, there was no one on the line so I called them back and got the robot. It was a robotic call with no opportunity to communicate. The document they sent me showed they had called me several times but they were at odd hours even for XXXX, these calls were from robots with no opportunity to communicate. Since they bought my mortgage, I wrote them several letters, talked to many agents and was consistently told that I could not fix the credit problem. I value my credit score and haven't missed any type of payment in many many years and my credit score dropped by almost XXXX points and they kept charging me fee after fee for months while I was trying to make everything straight because I kept getting different stories from different agents. Each new agent told me that the old agent was wrong and this is the way to fix it... pay more fees and money. While I was talking to an agent I asked how I could eliminate the property taxes coming out as escrow with my mortgage payment. The agent told me there was no option for me to pay my own taxes. Toward the end of last year when my property taxes were due I wrote them another letter asking what my options were to eliminate my taxes being included in my mortgage escrow payment and there was no answer to the question. I would like your support in bringing this company to justice, it is so frustrating an unfair to be in this position when my intentions are so straight forward. I have suffered severely mentally trying to figure out how this could happen to me and how to fix it.
07/22/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 78253
Web Servicemember
My mortgage was sold from XXXX to Carrington Mortgage Services in XXXX, and I have had nothing but problems since. For 11 years I have paid my mortgage to XXXX at the mid-month prior to the due date ( e.g., paying the mortgage due XXXX XXXX on or about XXXX XXXX. ) This is to ensure the payments go through and gives me time to react if a payment is not processed correctly. This has thankfully never happened -- until Carrington. I was informed by Carrington via a XXXX XXXX letter that they would assume accepting my mortgage payments as of XXXX XXXX. This should not have affected my XXXX XXXX mortgage payment to XXXX, as I was not even aware my mortgage was being transferred. Prior to the transfer, and due to some unexpected bills and financial flux, I paid my XXXX XXXX mortgage to XXXX in XXXX halves on XXXX XXXX and XXXX XXXX. This is where the problems seemingly started. On XXXX XXXX, after diligently ensuring the payment routing information was correct, I made my XXXX XXXX mortgage payment to Carrington per their instruction. At the beginning of XXXX, after setting up my online account with Carrington, I checked my payment history, only to find out I was somehow now behind in my payments. Since then, I 've been getting the run around from this company. Their story was that XXXX credited the split payment made in XXXX as additional principal, and not as my XXXX XXXX mortgage payment. They informed me they would remove the full mortgage payment from my total principal paid, and credit it as my XXXX XXXX mortgage payment. This did not happen. On XXXX XXXX, I called back to find out why it did not. " XXXX '' informed me she was aware of the situation, that she had e-mailed the issue to her supervisor, and that her supervisor had e-mailed the finance supervisor to fix the issue. Now, the additional principal was to be drawn out of my total principal and applied as my XXXX XXXX mortgage payment. Again, this did not happen. I called back on XXXX XXXX and spoke with " XXXX. '' After an interminable hold, she informed me a supervisor would look into the issue and contact me in 24-48 hours. That did not happen either. I called back on XXXX XXXX, and discussed the issue with " XXXX, '' ( female ) who informed me that she would send another e-mail to finance to inform them of the issue, but that it was possible the issue was being worked, since fixing my account could take up to 15 days after my previous call of XXXX XXXX. On XXXX XXXX, after realizing there was still no resolution to my issue, I called Carrington again. After another interminable hold, " XXXX '' put me in contact with a supervisor, " XXXX, '' who said I needed to provide all my bank statements from XXXX onward to prove I had made the payments I claim. On XXXX XXXX, my bank faxed all pertinent documentation, with annotation, to " XXXX '' at the e-fax number he provided ( XXXX. ) I sat down and combed through my financials and have ascertained the following : Per my bank, I have made payments as follows since XXXX - {$620.00} - to XXXX ( half my XXXX XXXX mortgage as explained above ) XXXX/XXXX/2015 - {$620.00} - to XXXX ( half my XXXX XXXX mortgage as explained above ) XXXX/XXXX/2015 - {$1200.00} - to Carrington ( for XXXX XXXX mortgage* ) - transaction # XXXX - {$1200.00} - to Carrington ( for XXXX XXXX mortgage* ) - transaction # XXXX - {$1200.00} - to Carrington ( for XXXX XXXX mortgage** ) - transaction # XXXX - {$1200.00} - to Carrington ( for XXXX XXXX mortgage*** ) - transaction # XXXX I paid {$1200.00}, vice my regular mortgage of {$1200.00}, as prior to the mortgage transfer XXXX had informed me of an escrow shortage requiring an increase of {$4.00} per month** I went back to paying {$1200.00}, as Carrington apparently was n't informed of the escrow analysis by XXXX*** Per Carrington '
10/01/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 61820
Web
More complete record attached. The servicer has not been following the CFPB guidelines designed to allow borrowers to complete a modification packet. The CFPB was enacted to " promote fairness and transparency for mortgages, credit cards, and other consumer financial products and services. The CFPB will set and enforce clear, consistent rules that allow banks and other consumer financial services providers to compete on a level playing field. '' Federal Register. The spirit of the CFPB encourages borrowers to submit modification packets for review and imposes regulations on the servicer that prevent them from arbitrarily denying packets to move the foreclosure process forward quickly. The CFPB requires transparency and cooperation to aid borrowers. Beginning XX/XX/XXXX I have been attempting to receive a modification on my current mortgage. I want to be able to keep my home. I submitted a packet, through my attorneys, to the bank for review. My loan is serviced by Carrington Mortgage. On XX/XX/XXXX the servicer sent a Certificate of Readiness indicating my packet was incomplete. The servicer indicated my packet could not be deemed complete for review until evidence was shown that a XXXX lien on the property had been resolved. Through my attorneys I inquired as to what regulation and lien the servicer was referencing. After waiting several weeks my attorneys inquired on the status of my packet XX/XX/XXXX. We were told my submission could still not be reviewed at that time because of a XXXX lien on my property. Regulation 12 CFR 1024.41 ( b ) ( 2 ) ( B ) requires a servicer to inform a borrower within 5 days if a packet is complete or incomplete. The servicer did not certify the packet incomplete or complete within 5 days. There are no liens on my property that supersede my mortgage. My loan is USDA insured and the USDA guidelines do not prevent a modification from being reviewed because of a XXXX lien ( XXXX ). Even if there was a XXXX lien on my home the USDA guidelines would not prevent my packet from being reviewed and a modification offered. My attorney 's informed the bank of the USDA regulation. The servicer is bound by HAMP regulations laid out in the HAMP servicer guidebook. Rule 9.3.1 states it is the servicer 's responsibility to " ensure that the modified mortgage loan retains its XXXX lien position and is fully enforceable. '' If the lien was an issue the servicer should have been working with me to make sure the modification was given XXXX lien priority. It is the servicer 's duty to get the necessary approvals to ensure the modification retains XXXX lien priority. The XXXX lien on my property should not have affected the servicer 's ability to ensure the modification had first priority. The bank attempted to enter a default judgment against me despite not following any of the CFPB rules. A judicial order was given requiring the bank to allow me to submit a new packet for review. I assumed the packet would be reviewed in good faith. Complying with the court 's order I submitted a new packet on XX/XX/XXXX. I was advised by my attorney 's a waterfall analysis showed I qualified for a modification. With the other issues cleared I thought I would be granted a modification. After waiting a full month a decision was handed down by the bank on XX/XX/XXXX. I was denied a modification, no explanation was given and I was not reviewed for other options. 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) requires a borrower be reviewed for all loss mitigation options. My attorney 's informed the bank of this requirements but there has been no movement. I filed a timely notice of appeal/error letter informing Carrington mortgage I should have been reviewed for all loss mitigation options. Furthermore in the letter is stated my intention to appeal the banks decision.
09/04/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 63116
Web
I was advised by a Customer Service Advocate and Escalation Representative to send my request via email to Customer Advocate. I 'm requesting to remove late payments from my credit report. In the year of 2015, I was laid-off and have been unemployed almost half of the year. Fortunate, I got a job in late XXXX 2015 ; unfortunately, I 'm unable to pay the mortgage payment at least after XXXX of the month. I have the income on third week of the month. This resulting in paying the late fees that were added to my account. I 've asked for a forbearance to catch up, however, I was informed that the company does n't participate in forbearance and home modification to decrease the loan amount will apply. I did n't qualify for the modification considering, I make enough money to pay for the mortgage ; it 's just timing is the main issue as I have to pay a large portion of another XXXX secured loans that consumes a large portion of my net income for the first two weeks. I ran into hard period in XXXX and I was out of the country in XXXX. In XXXX, I ran into a safety issue with exposed asbestos in addition of erosion, basement flooding and repairing a roof. The last day, I attempted to make the payment via phone ; however, I kept getting a busy signal. I made the payment the first day in XXXX. In XXXX, it was very stressful and difficult to arrange for transportation in a foreign country ; however, even though I had every attention to pay before XX/XX/XXXX, I simply forgot and the realization of the different time zone. I 've notified Customer Service Research department but they denied my request. From the materials received by them, it is perceived they are looking at issues in absolute and not taking the customer issues at hand. I find this to be a disparaging. The months that I paid after 30 days and on the first day of the following month, I was dealing with elevated stress. I was able to get reimbursed for time missed of work due to a car accident by the at fault insurance company in which I was finally able to make the payment on time for XXXX payment. Unfortunately, I 'm dealing with an overdrawn account in result ( XXXX of the month is extremely difficult for me ). Considering my circumstances, I 'm asking for a second chance to remove the late payment from my credit report. I made the 30 days late the following day as it is my every attention for it not to injury my credit report which an effect my employment. I 'm a XXXX which is not an economic and personal source of security. I made ever late payment which resulted in increased revenues for the bank. I 'm not disputing the late fees accessed to my account, just the removal as this is causing significant harm. The insurance money brought my account current in which this helpful for me stay current due to the income and timing. I was later advised to submit dispute to the Customer Advocacy Team on multiple occasions from Customer Service in addition to the Customer Service Escalations Team. After submitting the request, the Customer Advocacy Team, I was latter informed that this group is not responsible for investigating my request. The representative informed me that I have to submit my request back to the initial team in which I did n't agree with their decision as the company ignored that there were technical issues with me making the payment as the line was consistently busy to make the payment by phone. Additionally, Carrington Mortgage still submitted the late payment to the Credit Reporting Agencies while I was disputing their decision. I informed the representative that many people form his company gave me the direction to escalate my concerns to this team, and his response is that its coaching opportunity. I found this odd considering that appeared it was their business decision model.
11/18/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MO
  • XXXXX
Web
Such a long story, and so many issues. But here 's our latest issue. We had a house fire on XX/XX/XXXX. We 've been living in a hotel ever since. We are having problems with our mortgage company cooperating with the progress of getting our home repaired so we can go home. We received XXXX checks at {$7500.00} a piece to get the job started. It was like pulling teeth to get the first XXXX checks. They kept giving me different hoops to jump through to even get started. Then anytime I faxed them any documents that they requested, they would claim they did n't receive them, making me fax numerous times. We finally received the XXXX checks, after blood, sweat and tears. On XX/XX/XXXX, I called Carrington Loss Draft to request an inspector come out and look at the work so we could receive the last XXXX to finish the work. I was told an order was put in and I should hear from the XXXX party company to schedule an inspection. I waited a week and did n't hear anything. After numerous called several times weekly I finally found out on XX/XX/XXXX that an inspector had never even been contacted! XXXX business days had come and gone without my request ordered. Every time I talked to them, they asked if at least 45 % of the work had been done, that percentage was for another draw. I said I was n't sure as I was n't a XXXX. Finally on XX/XX/XXXX an inspector called me to schedule an inspection at the house. We are scheduled the appointment for the next day at XXXX PM which would be XX/XX/XXXX. I contacted the contractor so he could be there with the inspector for any questions that you may need. The inspector showed up took a few pictures talk to the contractor, and asked me if the mortgage company would pay at 45 %? I told him that they would as that was the percentage I was quoted every time I called. I was also told by the mortgage company that the inspector had XXXX hours to get the full report to them. I called Carrington Loss Draft after XXXX hours and ask about the inspection. They claimed on numerous occasions that they still have not received the inspection. I tried to call the inspector, I left him a voicemail but he never returned the call. I was on the phone with Carrington Loss Draft just about every single day waiting for the inspection, and waiting for the percentage so we could get another draft. I shared the number of the inspector with my husband he was able to contact him yesterday XX/XX/XXXX The inspector told my has been that they sent a 45 % complete report to Carrington, but they rejected it and told him the percentage needed to be lower. So he lowered the percentage to 35 %, and Carrington mortgage rejected that report and said it needed to be even lower. So the inspector finally rated the work at 25 %. He said he did not want to be pulled in the middle of this as it was going to get very messy. I called Carrington Mortgage yesterday and told them that I found out what they were up to they denied the allegations, and said at this point even had a 45 % complete rate they will not release the last draft. The contractor is out of pocket several thousands of his own dollars for the work being completed on our house. We had to write a check out of our credit card for {$4000.00} just to get more work done on the house. We are at our wits end and we do not know what to do! They are hijacking our insurance checks like they do to thousands of other people around the country. My husband and I are both XXXX, and I can not afford to make payments on a {$4000.00} credit card. But we have to do what we have to do to get back in our home. Our insurance company XXXX XXXX, is spending just about {$6000.00} a month for us to stay at the XXXX. Any help that you could give us would be highly appreciated as we only want to go home to our finished XXXX, XXXX
11/18/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • AZ
  • 85339
Web
I have been in compliance with Carrington Mortgage Service and I 've been getting the total runaround. I 've furnished information upon their request even though I was informed that a letter of Explanation would suffice, conflicting information has been given to me which caused my file to be closed unjustly. I 've requested that my file be reopened and that I not be held accountable for wrong information provided to me by their Representative nor should I be penalized for contradicting information given to me by them. I have been trying to get a Loan Modification due to financial hardship, however they areextremely difficult to deal with because of their eagerness to unjustly Foreclose on my Home despite my diligent efforts to be in compliance with their requests. Iwas informed by XXXX on XXXX XXXX, 2016 at XXXX, XXXX time of which the call lasted 19 minutes and 47 seconds that I did not have to submit Court Ordered Documents because a Letter of Explanation would suffice which is what I did on XXXX XXXX, 2016 meeting their deadline. He told me to just submit that along with a Revised RMA and I followed his request and his instructions. I am constantly receiving intentional contradicting information from numerous different Representatives which is causing confusion anddistrust. Their Intent to Foreclose on my Home has gotten vicious and aggressive. I called the following day on XXXX XXXX, 2016 and spoke with XXXX in their XXXX, XXXX office at XXXX, call lasted 3 minutes and 33 seconds and he assured me that documents had been received and were being reviewed by the Underwriting Department. He told to follow up in a week, however I received a letter shortly thereafter dated XXXX XXXX, 2016 stating my file had been closed due to not submitting all requested documents which was not true. If this was the case and notes are being maintained on my file why did n't he inform me of this because I called that afternoon. I took his word at face value. On XXXX XXXX, 2016, I received a call from Carrington of which I returned the call, I was hung up on 4 times and their system would not recognize my Social Security Number. I called at XXXX andXXXX, I immediately called back and spokewith XXXX at XXXX after getting through all their options. She said they closed my file then as I was asking questions as to why she intentionally hung up on me after she pretended like she could not hear me, call lasted 10 minutes and 55 seconds. I called back at XXXX and was hung up on again. I called back again at XXXX and spoke with XXXX, Teller ID # XXXX, she refused to give out her last name as did the others and they also refused to give out Teller ID # 's. She provided very little information, therefore I asked to speak with her Supervisor, she said the Supervisor was not available and would have him to return my call then she hung up on me. I received a phone call from XXXX XXXX XXXX, Teller ID # XXXX and she was stating they were going to FORECLOSE on my home and that she was on a dialer and the dialer called me. I asked for the phone number to XXXX to voice my complaint of how I am getting conflicting information, the runaround, being hung up on and just the unprofessional and inaccurate way my account is being handled and she refused to give me that phone number. On XXXX XXXX, 2016at approximately XXXX, I received a call from Carrington which lasted 45 minutes and 34 seconds.I was on hold for approximately 2 minutes before anyone said anything. I spoke with XXXX, Teller ID # XXXX because she refused to give out her last name. She said this was a follow-up call and that my mortgage assistance was still being reviewed in the Underwriting Department. She lied to me said no Foreclosure proceedings then she changed gear, please reference to attached detailed letter
01/26/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • SD
  • 57104
Web
I received a notice on or about XXXX XXXX, XXXX from XXXX XXXX XXXX that they had sold my mortgage to Carrington Mortgage Services and they were no longer servicing my loan. By the XXXX, I still had not received anything from Carrington Mortgage so I called XXXX XXXX XXXX concerned about making my XXXX mortgage payment that was due by XXXX XXXX. XXXX XXXX XXXX reassured me that I should receive information soon and that Carrington was not assessing late fees. I finally received some information from Carrington regarding the purchase of my mortgage but never received a billing statement to make my payment with them. I used an address in the information they provided to send my XXXX payment. By XXXX XXXX, XXXX, I still had not received any billing statements from Carrington Mortgage, so I called them. The representative ( XXXX ) requested a payment for both XXXX and XXXX. I advised that I had sent my XXXX payments several weeks prior and it had cleared my checking account. She did some research and advised me, they did receive my payment, just did n't post it to my account. I requested an explanation on why it was n't posted when it was received and she apologized and said she did not know why it was n't posted and had it applied to my account that day. I also made a phone payment that day for my XXXX mortgage payment. During this call, I also questioned by they did not have the most current information on my account from XXXX XXXX XXXX, they had a phone number that was over 10 years old and my last name has n't been updated since I was married in XXXX XXXX. I advised that XXXX XXXX XXXX had all the most current information and documention from my name change. They did not know why they had 'old ' information and requested new documentation to update my records. I sent the documentation necessary including automatic withdrawal information for my payments since their website only allows me to log in and view my information but I can not make an online payment, even though is a service advertised on their website. It states it can not process my request each time I try to do an online payment, the representative could not answer why to this question either. Yesterday, XXXX XXXX, I received a certified letter from Carrington Mortgage Services that my mortgage was 60 days past due since my XXXX and XXXX payments were not received and that my mortgage may go into foreclosure. I immediately called them and stated both the payments had cleared my checking account already, I explained the issues I had from the call on XXXX with the XXXX payment not applied, and making my XXXX payment by phone and the representative said " you 're account is current now, have a good day '' and attempted to hang up. I requested a manager to speak to, the manager introduced herself and said " is there a reason you requested to speak to me, you 're account is current ', I explained the certified letter I had received about not receiving my payments, and she just kept saying well your account is current now. I asked why I do not receive my billings statements and she replied because my mortgage was discharged in a Chapter XXXX Bankruptcy and they do not have to send me billing statements. I advised that my loan was not discharged in bankruptcy and that they are required to provide billing statements for me to send my payments in with, she argued about this then finally put me on hold and said she submitted a request to have billing statements sent to me. Neither of these representatives could answer any of my questions, why they said my loan was in bankruptcy, why I do n't receive billing statements, why I received a past due/foreclosure notice, or why my payments are not posted to my account when they are received. In my opinion, this company is breaking many laws!!
03/11/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • XXXXX
Web Older American
On XXXX of this year I mailed an express mail letter to Carrington mortgage that was supposed to be delivered by the United States post office by XX/XX/2023 for my XXXX mortgage. somehow someway the post office delivered the letter on XX/XX/2023 and Carrington posted the payment to my account on XX/XX/2023. I had gone to the post office to check on XXXX XXXX to find out where was the letter and was told it was probably delivered of the postman and California probably forgot to do the second scan I am mediately call Carrington on that day and told them what had happened and ask them. Did they have the letter in their possession the woman I spoke to on that day told me no it had not. Then I went back to the post office to check and filed a complaint that the letter was probably missing. Or perhaps just sitting sone where and that it was of up most importance that it got there on time. The following day I went to my bank, XXXX XXXX to stop payment on that check for {$1900.00} and immediately instituted an online payment to make sure that carrington mortgage could get the money but I did not have enough money in there to cover the lost check and the online payment at the same time. I recently received a letter from Carrington with XXXX below, which they told me the money got there on the XXXX which put me in default. Below you will also find a letter from the postmaster called me to seek a refund because the post office did not deliver my mail on time as I was told they should have done. XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ProductQtyUnitPrice Price -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX {$28.00} XXXX XXXX, XXXX XXXX ScheduledDeliveryDate XXXX XXXX XXXX Tracking # : XXXX SignWaiver {$0.00} Insurance {$0.00} Upto $ XXXX Total {$28.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - GrandTotal : {$28.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DebitCardRemit {$28.00} CardName : VISA Account # : XXXX Approval # XXXX Transaction # XXXX Receipt # XXXX AID : XXXX AL : USDEBIT PIN : Verified -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX ( XXXXUSPS ) togetthelateststatus.StandardMessage andDataratesmayapply.Youmayalso visitwww.usps.comUSPSXXXX XXXX XXXX XXXX insuranceclaimgoto https : //www.usps.com/XXXX XXXXXXXX PreviewyourMail TrackyourPackages SignupforFREE XXXX XXXX XXXX XXXX XXXX Refundsforguaranteedservicesonly. Thankyouforyourbusiness. Tellusaboutyourexperience. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.usps.comXXXX This is an automated email. Please do not reply to this message. Carrington mortgage I failed to see that I was indeed trying to do what is right .and the USPS had drop the ball. I have also sent this report to consumer affairs in my state because the harassment makes no sense when I have tried my best. The attachments below will provide the proof that I should not be harassed when Im trying to do right I do not know why Carrington keeps doing this to me. Please see the attached uploaded proof
05/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CO
  • 80232
Web
I have been disputing fees and miss applied payments with Carrington Mortgage Services since XX/XX/XXXX. I was instructed that I need to wright a letter of dispute and submit it to Carrington for research, to be able to correct the miss applied payments, correction on my credit ( due to there error, it was reported that I had not made my monthly payment ), and wrongfully charged fees that total almost {$1900.00}. I submit the letter for dispute on XX/XX/XXXX and included my bank payment ledger showing the payments were sent and sent timely, in addition to Carrington 's ledger showing where the payments were received and miss applied ( XXXX payments fully applied to escrow and the other to the wrongfully charged fees from XXXX ) thus showing why it appeared in there system that I had not made a payment to the principal balance. In addition to submitting this letter of dispute I also filed dispute claims with all XXXX credit Bureau. I received an email from XXXX stating that the dispute had been completed. Carrington removed the report of the late payment ( while still charging me a fee for the late payment ) but reported that I am past due {$1900.00}. I called Carrington today to review the status of my dispute and was informed that I owe {$1100.00} in fees ( {$20.00} are late fee for XX/XX/XXXX ; the month that my payments were miss applied ) not {$1900.00}, and that my dispute claim is still under research and can take up to 30 day for me to receive a final response. I am very concerned about the manner that they are going about in this matter ; because not only is Carrington Mortgage Services reporting that I owe {$1900.00} and they are telling me a different amount owed, but that they are charging me fees for there errors, and reporting incorrect information costing my credit score to plummet over XXXX points in a month due to there errors. Lastly it appears that the more I dispute the errors and request the corrections the more my credit score is being impacted negatively. I would love to say that these errors are the first time that this has occurred, but there not ... that is where the almost {$1900.00} in fees are coming from. In XXXX, when I was trying to save my home from foreclosure ( due to layoffs ) and was on a payment plan, I went to submit the final payment to complete the payment plan, I was alerted that I had not made my payment timely and they are proceeding with the foreclosed. This was not true as they were able to find record that I had made my payments as agreed to. However, because I was making the payments XXXX ( due to my pay cycle ) and the first payment ( which was early ) came in as a " Partial Payment '' the associate processing the payment did not review the notes that stated that it was okay for me to make " Partial Payment '' as long as it was not late and sent my payment back through the U.S. Mail. This caused a waterfall effect subsequently causing the second and final payment to be rejected. Upon escalation it was verified that I was not late and was paying as agreed to. Unfortunately, even through this was not my error I was still charged the foreclosure fees, which I have since tried to have removed. I eventually gave up after constant fighting with the company, until now when they are reporting to the credit bureaus that I owe almost {$2000.00} and killing all of the work I have done to repair my credit. Carrington Mortgage Services needs to understand that they can not punish the consumer for there errors and that these issues need to be correct. I am the victim in this case, Carrington has falsified information on my credit report, killing my credit score, and trying to take money from me that is not owed. This has had multiple negative impacts to me, from stress, anxiety, and denial of credit.
01/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 194XX
Web
To whom this may concern My loan was recently sold and transferred to Carrington Mortgage services. Before that it was owned by XXXX XXXX XXXX since XX/XX/2008. My last payment I made to XXXX XXXX XXXX was XX/XX/XXXX, after that my payment was made to Carrington. During this short time Carrington has not sent me any requested literature on their company or a breakdown of my mortgage balance as requested. When first making my payments I was told the loan was to new to pay online avoiding the XXXX service fee I had to pay on the phone On XX/XX/XXXX I called to make a monthly payment over the phone with a associate. I authorized a one time payment of XXXX to be debited from my account. On XX/XX/XXXX that payment was paid and posted to my account. The transaction my posted on my online banking. XXXX XXXX also confirmed this was accurate During the same month of XX/XX/XXXX on XX/XX/XXXX and XX/XX/XXXX Carrington Mortgage made two unauthorized attempts to debit my account. XXXX XXXX confirms this For XXXX. I called carrington mortgage on XX/XX/XXXX to express my concern about the unauthorized debits to my account in XXXX. Right after I verified my information the representative told me my loan was delinquent. Asking me my intentions for my home. And I did not pay my monthly payment in XXXX. I told him my payment was made on XX/XX/XXXX The representative told me my payment came back insufficient funds and I need to pay a payment now but only by XXXX XXXX or XXXX XXXX since my account is flagged I told him a payment was made on XX/XX/XXXX and my banking intuition confirmed that. He told me I can make a complaint to the resolution department about my missing payment. Which he did. But then aggressively keep taking to me about making a payment even know I told him a payment was just made. Even suggested until " find the money '' He told me he could take 30-60 days to resolve and payments still need to be made. And if it's not resolved my XX/XX/XXXX but XX/XX/XXXX I would need to make 2 payments by XXXX XXXX and that 2 payments is all they would accept. He offered me ZER0 explanation for why my account was debited to addition times unauthorized in XXXX He was rude and unsympathetic and the mistakes in my account and my lost payment. I got off the phone feeling extremely concerned with my mortgage with carrington. After that I faxed in the paperwork requested to the number they provided me for the resolution department for my XXXX missing payment. I faxed the information five different times. Over the next couple days and weeks I call daily sometimes twice a day. And nobody could even confirm they received my paperwork. I asked to speak to the resolution directly but carrington told me they do not take incoming calls So now I'm stuck waiting with no resolution And no concern to get this situation fixed. I can't email them. Because carrington does not email. You can not talk to anyone directly. They will not call you even when you request a call about your account. My last attempt was to call them on a three way call with XXXX XXXX. After speaking to XXXX XXXX they offered to help me by giving carrington the transaction and speaking to them but once they were on carrington refused. At this point I feel carrington is pushing me to be delinquent and putting me in a situation to loose my home. They offer my zero help to get this resolved when all I want is to pay my mortgage on a monthly basis. The whole month I felt physically ill and stressed out just waiting. I made to feel every time I speak to them that I could lose my home. I refuse to pay them by XXXX XXXX considering they lost a ach payment. And I'm having no luck getting that cleared up. I really need help because I am simply at a breaking point XXXX XXXX
10/21/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 98902
Web
Our loan was sold from XXXX to Carrington Mortgage in XXXX XXXX '. We were in the middle of a modification with XXXX when the loan was sold. We contacted Carrington and were told we did n't qualify for a Modification and that all passed due amounts were due to avoid foreclosure. After getting funds together I called Carrington and asked what was past due amount + 1 month to stay ahead. They gave me dollar amount XXXX and that is what I paid. Then on XXXX/XXXX/16 we received a Certified Letter stating we were 2 months past due and needed to pay this by future date. I called them and stated this was not accurate and they told me to disregard the letter as it must have been crossed in the mail with the payment. The same thing happened XXXX, same response must have been an oversight and to disregard. When I call to make my payment in XXXX they tell me I am 2 months past due and to catch up I need to go on a payment plan of XXXX paid in XXXX, XXXX, XXXX. I agree to this as I do n't want to be foreclosed on. We had fraud in our bank account at the end of XXXX, so knowing there might be an issue with my payment of XXXX I call them and let them know. They said that I can make a double payment when my funds are available. I make a payment of XXXX on XXXX/XXXX/16, when I call afterwards to confirm payment they tell me I am still 1 month past due and I need to set up ANOTHER payment plan for XXXX for XXXX, XXXX, and XXXX. I asked them to double check the amount and they assured me that I was 1 month behind so I agreed to the payment plan. I then receive a Certified letter dated XXXX/XXXX/16 stating XXXX and XXXX payments are past due and that I need to pay XXXX to bring the account current. I call them and they say disregard as it was computer generated. So after the payment on XXXX of XXXX that means alone in the month of XXXX 2016 I PAID XXXX on my account. I then call Carrington to make sure everything is on the up and up so we can get a Home Loan for our current resident. I speak to a XXXX who goes over my account. While we are going over the account the math is not adding up in various ways. She also states that Carrington has reported me 30 days late XXXX, XXXX. She stated she could n't figure out the issues with the payments so she would research and have me call back XXXX. I called back XXXX/XXXX/16 and spoke to XXXX he tried to email XXXX but was not able to touch base with her. He confirmed all the information I had went over with XXXX. He as well was saying the math was n't adding up and looks like there is a month missed somewhere. He also stated they needed to remove the 30 day late from XXXX as I had a grace period of 60 days after the loan was sold. He also stated there were 4 certified letters sent all showing ATLEAST XXXX past due but the dollar amounts in the letters was not adding up correctly. I called again on XXXX as a certified letter was attempted at my house. I spoke to XXXX XXXX asking her the details on the letter. She stated the letter was saying I was past due XXXX ( XXXX ) and XXXX ( XXXX ) and that I needed to pay a total of XXXX to bring the account current. She as well agreed there was a mistake and she could n't give me any answers as to why it did n't make sense. She documented my account and forwarded info to her manager and he should be in touch with me if he could help. I then confirmed my payment of XXXX for XXXX and she said I should just pay the minimum XXXX and she does n't think I should be paying the XXXX. My XXXX credit report ( this is the only report that shows monthly payments to them ) shows current XXXX XXXX, 30 days late XXXX 2016,60 days late XXXX 2016, 90 days late XXXX 2016, and current XXXX 2016. This is scaryas no one at Carrington can explain why or how this happened
03/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37343
Web Older American
Dear CFPB, I XXXX XXXX am submitting this complaint in regards to my mortgage with XXXX XXXX XXXX ( XXXX ) was which transferred to Carrington Mortgage Services ( CMS ) LLC under the pretense of my Mother is currently under Bankruptcy and missed mortgage payments. The new Mortgage Company ( CMS ) is stating that I am behind in payments and bankruptcy. This is completely false. Carrington Mortgage Services ( CMS ) and XXXX XXXX XXXX XXXX XXXX have put my house in foreclosure. Now, in the hands of debt collector XXXX XXXX XXXX with foreclosure date of XXXX XXXX, XXXX. I have tried to pay them what I owe for the three months but CMS would not let me pay. I currently owe CMS {$4900.00} for the three months I was not allowed to pay ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have the funds and ready to pay for these months, so I am current. I did file bankruptcy in XX/XX/XXXX for credit cards ( which include a card with XXXX XXXX XXXX ), medical bills ( for XXXX ) and a car. The house was not included in the bankruptcy, in which the mortgage loan was with XXXX ( XXXX XXXX XXXX bought the loan from XXXX before it went out of business ). I believe that XXXX XXXX XXXX attempted to collect the credit card debt that was discharged in the XX/XX/XXXX bankruptcy. I did a special forbearance with XXXX XXXX XXXX in error. The Special Forbearance was to be for the Making Homes Affordable ( MHA ) program. You do trial period of 3 payments, then once you fulfill the payments this would qualify your for MHA program. I should have never did this program. I was not behind in payments. XXXX XXXX XXXX accounting system was behind with my payments. I believe I was misled into applying for this program. For past seven years XXXX XXXX XXXX has been harassing me about being behind in my mortgage payments. Each time I have provided copies of payment and cashier check receipts for any discrepancies. It seems that their something wrong with XXXX XXXX XXXX accounting system. I will attach copies of my ACH payments and cashier 's checks ( XX/XX/XXXX to XX/XX/XXXX ) paid to XXXX XXXX XXXX when the mortgage company took over the loan. In fact, I made payments directly to XXXX XXXX XXXX ( XXXX ) at their bank in XXXX, TN via cashier 's check. I have sent all the information to Carrington Mortgage Services ( CMS ) four times for the three months that XXXX XXXX XXXX ( XXXX ) said I was behind. Apparently, XXXX has not sent all the necessary documentation to CMS with all the payments. I request that XXXX send to CMS an Amortization Schedule of all the payments made up to XXXX XXXX, the last month I made payment to XXXX. I included bankruptcy document and discharge documents, payment and cashier check receipts, and three months of bank statements showing payments of months in question. Carrington Mortgage Services is stating that I am behind three months : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent this information to show the new mortgage company Carrington Mortgage Services that my payments are current. I want the following question answered : Why did XXXX XXXX XXXX sell my loan to Carrington Mortgage Services ( a company that handles mortgages in trouble ) under the pretense of bankruptcy and missed payments? Why is Carrington continuing the harassment that XXXX XXXX XXXX has been doing for seven years? How can you foreclose on a home in which the home owner has never missed a payment? When I have records of all my payments and XXXX XXXX XXXX has never asked for me to send the records to them. I would like an Amortization of all payments from the beginning month XXXX XXXX XXXX assumed my loan to XXXX XXXX. As this will clear up all the confusion. XXXX XXXX XXXX is yet to provide me my end of year statement for XX/XX/XXXX.
11/17/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32789
Web
XXXXBureau of Consumer Financial Protection Department of Business OversightXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXDear Consumer Protection Representatives, Please help me with this complaint against Carrington Mortgage Services and force them to refund the double remittance they received for my XX/XX/XXXX mortgage payment. They also charged me a {$46.00} late charges and a {$20.00} fee that they claimed was " overdue ''. How can there be late charges when the payment due XXXX/XXXX/15 was received by them on XX/XX/XXXX? I refinanced my house on XX/XX/2015 with XXXX XXXX. On XX/XX/2015 they prepared a Payoff Statement showing an outstanding principle of {$130000.00} yet the statement dated XX/XX/XXXX showed an outstanding balance of {$130000.00}. Why the XXXX differenced for balances good until XX/XX/XXXX? As I mentioned above, they received my XX/XX/XXXX payment on XX/XX/XXXX that cleared my bank on the same day. Obviously this payment was not included in the payoff amount dated XX/XX/2015 which noted that the XX/XX/XXXX payment was still due. I was told by both XXXX XXXX and the title company who did my closing that I would be refunded for this double payment. But when I called today I was told there was no credit on my account and I had to write their research department and request the refund before it would be sent! That is simply not right. I did receive a {$3500.00} refund of my escrow account, which to be fair only showed {$3400.00} on the XX/XX/XXXX statement. But where do they come up with these numbers ; should n't they match? My entire association with Carrington has been frustrating at best. When they first took over my account I tried to enroll in auto payments as I had my savings account set up to cover the payments with payroll deductions. This worked with the other XXXX mortgage companies that serviced my account, but not with Carrington! Apparently XXXX has a different routing number for my savings account and wrote them saying it needed updated. Rather than correcting it like the others did, they froze my account and prevented me from making any payments either online or over the phone. No matter how many phone calls I made to try and fix this, nothing was ever accomplished. They even shut down my access to my online account. They seemed to be doing everything they could to prevent me from making a timely payment. One time I was on the phone with their representative trying to make my payment from another bank account and I gave her the routing and account number directly from the check ; she even repeated the account information to make sure everything was right but nothing ever processed. However, they were quick to access a late payment fee. No wonder the " XXXX '' website is full of similar complaints. Should n't some agency be investigating them? How can a company that has the ability to destroy people 's lives not have to maintain standards and accountability? Even when I got the XXXX involved earlier this year, their representative was curt and totally unhelpful. I remember that she was able to spend what must have been hours researching my calls to Carrington ; but could n't spend a couple of minutes helping me out. Apparently their motto is " XXXX them before you help them ''. Anyway, I 'm thankful to be working with XXXX XXXX now, a company with a solid reputation for taking care of their customers and this whole ordeal is almost behind me. So please, consumer protection agents, help me obtain my rightful refund from these scoundrels so I can have them forever in my past. Hopefully this letter and the attached statements will provide you with enough information to warrant further investigation. I look forward to hearing from you soon
04/26/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 94513
Web
I have a sale date of XX/XX/2019 very shortly and I applied for a loan modification and was denied! I called to ask why and was told to appeal it. So I then spent time again filling out all the paperwork to then be denied and when I asked why I was denied the first time they said based on income but I showed them my income and it was a mistake they had the wrong income so then on the appeal I was denied again and when I asked why they not in so many words said because I was on state disibility and I couldnt understand that because I have been a XXXX XXXX for well over 10 years and I make yearly around XXXX dollars as well as my monthly take home XXXX XXXX a month on only my schedule not with any overtime included. I explained in my hardship letter to Carrington Mortgage LLC company that I fell to hard times financially this past year but things are better now and I have cash for them but was told without the XXXX it wont matter and I cant understand why they wont take XXXX and move my sale date our give me a loan modification to get the rest back to them. I worked hard to get my house and my children love there home and I cant understand how a company can take your house after one bad year on disibility. Im not XXXX XXXX my job placed me on it and wants me to return back and I have been going thru so much paperwork with this company, I never had a problem when my loan was with XXXX XXXX XXXX but now this Carrington mortgage LLC use bullying tactics and say there is nothing I can do based on me being on state disibility and I have explained to them and showed even on state disibility I can afford my house and its just a well I dont know put together another appeal. I make about XXXX XXXX a month and my mortgage is at XXXX so why is there no way to do a loan modification? I believe its because my house has XXXX XXXX dollars in equity and has great value to this company because if it wasnt about money then why cant they let somebody who has proven income and still makes double the mortgage even on disibility for the short time I was. I recently begged to be let off so that I could return to work because thats what they want to see! I dont care what I hvs todo to keep my home our pay but please help me move this sale date to a later date to give me time to get them all the cash our maybe a loan modification because Im almost there and they wont take a partial payment they want it all out nothing. I even explained my financial hardship having to get my children medical insurance as I was no longer able to get mine thru XXXX until I was returned back to work. I showed them the difference and they had nothing to say so Im out of options and I have to tell somebody who can do something that I feel like I have never felt so played with our bounced around from this to that to this for them and meet all require and still get no modification our extension on sale date. My main complaint is with the company Carrington mortgage company LLC because after reading there consumer reviews Im not the first our last person to get worked over by this company! So Im asking to please take a look at the process they are using for the denial of a loan modification and make sure it is legal because I am beyond stunned and shell shocked that they wont even give me a offer of some sort other then have XXXX and I prob have XXXX XXXX that I can get them with a couple weeks the rest but they are going to sell my home and I will complain to whomever that there in it for themselves and not the best interest of there clients. I furthermore hope that they get closed down our a investigation so that this kind of business they do doesnt continue to happen. Thanks so much, Hope to resolve this matter before the sale date of XX/XX/2019!
08/14/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28054
Web Servicemember
I am a veteran with VA guaranteed mortgage that I have been paying to XXXX XXXX XXXX { XXXX }, on time with no problems, for the last 4 years. XXXX 2015 I get notice from XXXX that on XXXX XXXX, 2015 my mortgage will no longer be serviced by XXXX, but transferred to Carrington Mortgage Services { CMS }. The notice from XXXX stated in writing that NOTHING would change in regards to my mortgage, rates or my payments. Then I received a CORRECT escrow analysis from XXXX, as well as my homeowner 's insurance renewal that went up a little to {$420.00} per year. I then received my property tax assessment for XXXX County stating my new tax value had gone down drastically to {$140000.00} from the previous {$160000.00}. All of the above CORRECT information was sent from XXXX to CMS. However, I then receive notice from CMS that my new mortgage payment is now going to be {$910.00} { up from {$810.00} }. They state in writing that this is due to a shortage in my escrow account. They sent an escrow analysis showing my homeowners renewal of {$420.00} which is correct, but the they show a charge of {$900.00} again for insurance which is not correct making my total insurance for the year {$1300.00} when it reality it is only $ XXXX-So I contacted them to ask why they Stole {$900.00} out of my escrow account for no reason and why was my property tax assessment listed wrong by approx. {$20000.00} when the new assessment for {$140000.00} had just been issued. Their response was that the {$900.00} was for my insurance with some XXXX insurance company of which I have never heard of and have never had insurance with and by their own admission in writing CMS 's very own escrow analysis showed MY insurance so there was no need for any forced insurance or any other need or legal justification for them to steal money from my escrow account and now refuse to return it and correct my mortgage payment to the way it was and always has been. All the while they want me to pay the higher mortgage amount because they stole my money. I have contacted XXXX and CMS MANY, MANY times-I have recordings, that yes, they admit they took my money out of my escrow account and sent it in error to XXXX and that it is all going to get fixed soon. It has now been two months and they are sending intent to foreclose letters. They record all calls so I did too. I asked if I should pay my original correct mortgage amount they said no { on recording } not to pay it and that there will be no foreclosure, all late fees waived and my mortgage will get corrected as soon as they get some random check for {$900.00} back from this XXXX insurance that CMS swears has already sent it to them but they still do n't have it and do not know who they spoke that said it was ever sent. I have also contacted the department of veterans affairs as they guarantee my mortgage to make them aware and seek their help as well. It seems to me this is a complete scam mortgage servicer. As immediately upon receiving my mortgage they STOLE my escrow money, raised my mortgage and my property taxes-even though they have been provided all DOCUMENTS proving their mistake and even though the admit their mistakes over the phone-they still will not fix the issue and are trying to take my home of which I have never paid late and never missed a payment in 4 years-This can not actually be possible-I have uploaded all the documents proving they stole my money and are now stealing my home. I do have many recorded conversations between them and I which can not be uploaded on this site-I am sure I am not the only one they are doing this to and someone needs to stop them-PLEASE HELP ME no matter who I contact they are not fixing the mistake they admit they made and are going to take my home.
02/10/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30058
Web Servicemember
Until XXXX XXXX my home mortgage had all payments up-to-date and was with XXXX XXXX XXXX. Couple of weeks prior to XXXX XXXX, I received notification that my account was being sold to Carrington Mortgage services, nothing would be changing other than the payee, and all payments would remain the same. I began making monthly mortgage payments to Carrington XXXX XXXX, {$890.00} ( principal and escrow ) and {$100.00} ( addl principal reduction ) total $ XXXX monthly. All appeared to be a smooth transaction until I received letter in XXXX XXXX stating my monthly mortgage payment is increasing to {$1100.00}, which is a {$230.00} increase, with no explanation as to why. I called Carrington Customer service to inquire as to why the increase and got multiple explanations as to possible shortages, last of which was because of an Escrow shortage. At which Customer service transferred me to Escrow dept. Escrow dept said my escrow acct was short for XXXX taxes. I informed them that I was viewing my XXXX county taxes and it showed no shortage and actually showed an over payment. So Escrow now transferred me to Tax dept. Tax dept reviewed and said yes they over paid {$890.00} and XXXX county had returned the payment to Carrington so they had to do another escrow forecast re-evaluation to determine correct escrow amount, but to keep from being late on my payment, I was to go ahead and make my normal monthly mortgage payment. I made the payment and awaited the re-evaluation results. I started receiving collection calls from Carrington a week later in which I explained what had taken place earlier ( incorrect tax payment by their company, waiting for re-eval, and the payment I had already made ). The agent explained that Carrington showed me as delinquent for full payment bcuz they could not apply what I paid bcuz it did not match what their system showed I owed and they had also added on a late payment charge. I asked if the re-eval had been completed and the agent said it had and the full amount was still owed. I asked that she send me the Escrow re-eval in the mail. I have since received the Escrow breakdown and it does not appear to have changed. Still attempting to keep my account current, make mortgage payment, and get a clear understanding of why there was an increase I contacted Customer service again. This rep stated it was due to shortage in XXXX and the add on of a {$600.00} escrow cushion. I explained that there was no shortage, I am a XXXX veteran, I have never been charged nor heard of an Escrow cushion, and that there was actually an over payment. She then transferred me to Escrow. Escrow rep then stated it was bcuz of a shortage in XXXX and that I only paid {$600.00} in taxes to XXXX leaving an outstanding balance. I explained I had my taxes before me and that it was paid in full {$1300.00}. She then transferred me to Tax dept, and I explained again. She asked the amount I show paid and confirmed my Parcel ID number. She then stated that they would have to submit another re-evaluation to correct yet another of their mistakes and get the correct Escrow amount. I am still making monthly payments but feel they are not applying the payments so they can add late payment and other charges, I do not understand as to why I would now be getting charged a Escrow Cushion so they can earn interest on money not being applied to my principal nor required for my Taxes nor Insurance, and feel they are attempting illegal mortgage lending practices. I feel that if I was not aware of my Taxes and Insurance payments ( current and past ), I would just be making payments without explanation as to why, and still do not feel Carrington will return with a Totally true explanation as to what I should be getting charged.
03/16/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 302XX
Web Servicemember
In XXXX 2014, carrington mortgage became the lien holder for my mortgage which was sold and transferred from XXXX XXXX XXXX. I was never advised of this transaction either by XXXX XXXX XXXX, or carrington mortgage. When I went to make my XXXX 2014 mortgage payment at the local XXXX XXXX XXXX branch, I was advised that I needed to make my payment to carrington mortgage because my current mortgage with XXXX XXXX XXXX had been sold, and bought by carrington mortgage. As instructed, I began making my payments to carrington mortgage from that point forward. In XXXX 2014, I found out that my XXXX 2014 mortgage payment that I made at the local XXXX XXXX XXXX branch never posted to my new carrington mortgage account. From this point forward and to date, I have spent the last year and a half plus trying to resolve this concern with carrington mortgage and to no avail. I have spoken to at least three supervisor 's and three customer service representative 's, and to no avail. I was asked to provide a payment receipt for the XXXX 2014 payment that I made at the local XXXX XXXX XXXX branch, and I have provided carrington mortgage with the requested information they needed and requested in order to research my concern. These six people as listed above listened to my concerns and gave me a false sense of security for an amicable resolution. They refused to call me back, and refused to help me causing me copious amounts of XXXX problems. I have tried on countless occasions to get a higher level supervisor on the phone to try to help me resolve my concern, and to no avail. I have left countless messages for higher level supervisor to call me, and to no avail. Every time carrington mortgage calls, I repeatedly ask to speak to the CEO 's office, and the same answer I get every time they call is that they do n't have the CEO 's office phone number. Some times when I ask for the CEO by name, the carrington representative has no clue who that is. When I ask the carrington representative on the phone to e-mail the CEO 's office have them contact me the answer I get is that they do n't have the e-mail address. Every time that I initiate a call to carrington mortgage, I get the same response as listed above. Over the course of the last year and a half plus, a plethora of notes have been added to my account regarding all the phone calls that I have made to carrington mortgage, and all the calls made to me by carrington mortgage. To help strengthen my position, all of these phone calls have been recorded. I have repeatedly asked carrington mortgage every time they call to provide me with a list of phone activity on the account and they refuse to do so. carrington mortgage has also received a current monthly payment from me every month beginning XXXX 2014 above the required amount due, without fail. I have consistently made on time monthly mortgage payments to carrington mortgage every month in the amount of {$1300.00}. carrington mortgage continues to willfully, maliciously, intentionally, and consistently misapply my current and regular monthly payments, continues to charge me late fees and property inspection fees, and continues to report me as late sometimes 30 to 60 days late to XXXX, XXXX, and XXXX, along with charging me a whole host of other ridiculous fees and charges. carrington mortgage on any given day with harass me with either robo-calls three to four times a day, or they have their people call me three to four times a day. I have tired countless avenues to get a local phone number for carrington mortgage and every avenue leads me back to the same toll free customer service phone number that never lets you go any higher within the organization. carrington mortgage is bullying me and I need your help now.
03/03/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30310
Web
I am a current customer with Carrington Mortgage Company. My loan was transferred from XXXX XXXX XXXX around XX/XX/XXXX. Prior to the transfer, I was approved for a loan modification with XXXX XXXX XXXX. The modification was effective XX/XX/XXXX. The documents ( Loan Modification Agreement, Subordinate Note, Security Deed ) were signed, notarized, and filed with the state of GA on XX/XX/XXXX. XXXX XXXX XXXX has sent the the final documents to keep for my records prior to the transfer. This is an approved and legally-finalized document that I have. XXXX XXXX XXXX has transferred the documents to Carrington Mortgage and I have submitted copies Carrington Mortgage via email an uploading online. From XX/XX/XXXX to XX/XX/XXXX I have communicated with Carrington about updating my account. I was advised several times that my documents were in imaging and that it usually takes 30-90 days for updates. I had not received a follow up call nor a letter in the mail nor email notification about my account. Everytime I called I have been through the same response, my documents were still being imaged. I thought I had a breakthrough XX/XX/XXXX when I spoke with a representative who viewed the documents and realized that what I had been calling about needed to be addressed and that my account needed to reflect that. She forwarded my account to her supervisor and told me to call that number in 3 days. I called back a few days letter and the representative on the phone stated that the Supervisor reviewed my account and said that my loan information with Carrington would not change because of a document that he viewed from XXXX XXXX XXXX stated that my loan modification was cancelled XX/XX/XXXX. That is clearly inaccurate because I have the final modification agreements signed along with XXXX XXXX XXXX signatures and notarized XX/XX/XXXX. Rather than doing his research to view the most current legal documents, he opted to go by a form that was dated XX/XX/XXXX. By the way, my modification was not cancelled, I made all of my payments on time during the trial period thus leading to my final approval for the modification. I have been paying more than what is stated in my modification and my interest rate has not changed with Carrington. I went from an approved interest rate of 4.25 % and monthly payment of {$520.00} to Carrington charging me {$650.00} per month at the same interest rate before my modification ( 5.25 % ). That is a big difference in payment and I'm having to pay the latter because of paperwork errors on Carrington Mortgage and possibly XXXX XXXX XXXX 's part ( if all documents weren't transferred over correctly ). I have exhausted all of my time and energy into this matter. now I will have to spend money for legal fees to resolve this issue. I believe Carrington Mortgage is practicing illegal mortgage tactics to keep me paying more than I could afford and refusing to honor a legal document that has been filed in the state of GA since the loan is FHA. I have evidence of dates that I've called them to resolve this matter, an email that was sent to address this issue, and yet I am not being taken serious as a consumer as to what my rights are in this matter. I know by law that they're suppose to follow the modification sent over by XXXX XXXX XXXX and that it is in violation of my rights as a borrower to continue following the old loan agreements when a new one has been legally and contractually approved and signed off before my transfer. Maybe there is mishandling of how documents are transferred/processed between XXXX XXXX XXXX and Carrington Mortgage especially when it come to completing a home modification prior to transferring loan. I don't know but I want this matter resolved.
07/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • XXXXX
Web
My name is XXXX XXXX and I am contacting your organization to file a formal complaint against my mortgage company, Carrington. I have serious issues with the way that they have serviced my loan, their customer service, their harassing collection calls and their failure to address my requests for homeowner assistance programs. My daughter was in a bad accident at school in XX/XX/2016 and required full time care. As a result I had to miss a lot of time from work to care for her. This led to me going delinquent on my mortgage loan about a year ago. I have tried to engage with Carrington 's loss mitigation department in order to get a review of my current financial information initiated but have run into a brick wall. Their agents are not helpful, they tell me that since I had received a modification in the past that they can't do anything to help me. Then a couple of days later I get a letter from Carrington telling me that I qualify for help and that I should apply again. Which I do, but I keep hitting roadblocks put up by their staff. I had a true hardship, but it was temporary and I am now in a much better place financially. I have the means to afford the original modified payment and have attempted to make this payment but their agents refuse to accept it from me. Instead I am told that I need to pay back all missed payments, late fees, legal fees, foreclosure fees etc. I have been told that anything less than that is not good enough. I am trying to survive here and have the financial means to make this payment but feel that Carrington is not allowing access to the federal, state and internal programs that are available to help struggling homeowners. I understand that your organization is responsible to oversee lenders and ensure that they follow the guidelines of government, state and internal homeowner assistance programs. I assure you, Carrington has violated these guidelines. I live in my home with my wife, my step-son and my daughter. My wife and step son both work and are now contributing to the finances of the family. I have worked as an XXXX XXXX XXXX for the last few years but when I had to miss so much time to care for my daughter I lost some of my clients and accounts. That is why I struggled and after hanging on for 6 months began missing mortgage payments. I immediately reached out to the Carrington agents to try and resolve this and see what we could do to fix the problem. Instead of working with me and allowing me to be reviewed for ANY options I was transferred from department to department and was unable to get anyone to help work with me. I never spoke to the same person twice and no one cared that my financial crisis was over and that my financial circumstances had changed. Even though no one from Carrington was willing to help me, the collection agents were harassing me multiple times each day and I kept receiving letters telling me that I qualified for help and to apply. This was very confusing and frustrating. We have sufficient income to afford our monthly mortgage payment. We need a hand to help address the late payments related to my daughters accident. I know there are programs such as repayment plan or forbearance as well as modification that can be used to address this situation. Carrington is not following guidelines and is denying me access to these programs. Their agents are rude and callous and this company is harassing me with collection calls and letters. I WANT to fix this problem, I WANT to pay them, the issue is that Carrington will not work with me. I hope that your office will investigate my case and help me to persuade Carrington escalate my case and open a review of my current and correct financial information so that I can save my home.
07/02/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 335XX
Web
I sent two payments to be applied for my XX/XX/XXXX payment with my mortgage company Carrington mortgage services. One payment for {$2100.00} on XX/XX/2020 and an additional payment for {$550.00} on XX/XX/2020. I have automatic payments through bill pay with my bank. My total payment due is XXXX {$650.00}. When I noticed that the automatic payment only sent {$2100.00} I manually sent {$550.00} via bill pay through my bank. Both payments were applied to my principle instead for my payment due XX/XX/2020. I discovered that it was applied incorrectly on XX/XX/2020 and promptly called customer service on XX/XX/2020 to notify them that I wanted the {$2100.00} and {$550.00} applied to my XX/XX/XXXX payment. I was told it is an easy fix and would be corrected right away. On XX/XX/2020 I received an automated phone call from Carrington about my loan asking to call them. I called them immediately and was informed that the payment reversal had not been completed yet and I spoke with XXXX. She stated that she was escalating the issue and that it would be guaranteed to post by XX/XX/2020. She further stated that I would not receive a late fee and that the payment would be considered on time because the funds were there and the account is notated. I was told not to send XXXX 's payment early in XXXX but to ensure they receive it on or after XX/XX/2020. So I went ahead and changed the delivery date in my bill pay via my bank. On XX/XX/2020 I discovered yet again that the payment was still not reversed and I called again and spoke with XXXX who transferred me to senior supervisor XXXX. XXXX said that the payment reversal is pending in the management department. She expedited it again and also e-mailed the cashier department at my request. She said it is possible that it would be corrected by tomorrow. I expressed that I was extremely concerned if my credit would be impacted because there is a clear miscommunication happening. She promised me that it would not be. She also told me not to send the XXXX payment early as it would be improperly applied to the principle again instead of the payment. I called again the next day, XX/XX/2020 and spoke with XXXX who transferred me to senior supervisor XXXX who e-mailed her superior at my request and said she would have the payment reversal completed that day and that she would call me personally to follow up and let me know that it has been completed. I did not receive a call. Today, XX/XX/2020 I called again and spoke with XXXX who transferred me to senior supervisor XXXX with teller ID XXXX. She stated that there is nothing we can do as it is sitting in the hands of upper management. Then she stated that if it is not corrected to appear as a payment in the date I sent it for XX/XX/2020 by XX/XX/2020 that it WOULD BE REPORTED TO THE CREDIT BUREAU NEGATIVELY ON MY CREDIT REPORT!!!! She stated that had I sent a payment in XXXX that this would not be a possibility. However XXXX and other representatives EXPRESSLY TOLD ME NOT TO SEND A PAYMENT IN XXXX FOR XXXX! My XXXX payment was received and posted with carrington on XX/XX/2020 as per the advice of several associates with carrington. This situation is UNACCEPTABLE! One could say that this is FRAUD! I explained that I am in the middle of an application to refinance and this is putting me in financial jeopardy. I need help. I need my payments of {$2100.00} and {$550.00} that XXXX applied to principle to be applied to my XX/XX/XXXX payment and my XX/XX/XXXX payment that was sent XX/XX/XXXX applied to XX/XX/XXXX. Carrington has had at least 22 days to complete this request and their advice has put me in jeopardy of a negative credit reporting which can result in refusal of my refinancing terms elsewhere.
03/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 339XX
Web
On XX/XX/XXXX our mortgage holder filed for foreclosure. On XX/XX/XXXX the mh moved for summary judgement. On XX/XX/XXXX the mh moved forward with a motion for summary judgement, a hearing was scheduled for XX/XX/XXXX. On XX/XX/XXXX, Vice President of Carrington Mortgage Services swore under Oath that the total amount due of : {$300000.00}. On XX/XX/XXXX we signed a contract to sell the home for {$390000.00}. On XX/XX/XXXX our attorney filed a motion to continue as we had secured a contract for the sale of our home for {$390000.00}. Closing was scheduled for XX/XX/XXXX - less than 30 days from the date of the hearing. The motion was denied and a final judgement entered on XX/XX/XXXX for {$300000.00} XXXX which included accrued interest and filing fees ). As well as ordering a public sale of our home on XX/XX/XXXX if the judgement was not paid. On XX/XX/XXXX we received an amended payoff statement from Carrington via email from our real estate agent - the total due and being requested at time of closing was {$320000.00} good until XX/XX/XXXX. At our urging on XX/XX/XXXX our attorney filed for an emergency hearing due to the difference in the final judgement and the payoff statement. This was less than 24 hours before our scheduled closing date of XX/XX/XXXX. The judge deemed it was not an emergency. And we were forced under protest to proceed with the closing. We were told by our real estate agent that we would be subject to legal action if we delayed or cancelled the closing. The amount paid to Carrington at closing on XX/XX/XXXX was {$330000.00}. Unbeknownst to us the mortgage holder returned to court on XX/XX/XXXX and entered a motion to " cancel sale, vacate final judgement ... .... ''. With our emergency hearing not ruled on the judge granted this motion. As if everything to date was not bad enough - line # 1 of the motion to cancel and vacate stated : " Plaintiff, Defendant, and a 3rd Party have been working over the last month to finalize the specifics of a payoff. '' This statement could not be more false. From the time of closing until XX/XX/XXXX - we had had only one conversation within a week of the closing where we were informed the judge did not feel our emergency was an emergency. We do not know who the unidentified 3rd party is - we can only assume it is the closing attorney. We feel taken advantage of by the trustee of the mortgage holder, the mortgage holder, and the loan servicer. As well as not receiving the appropriate representation from our attorney. And failure of the closing attorney to not understand that the amount due at closing was the final summary judgement amount, and he should not have allowed the payoff statement to be substituted for the final summary judgement. Our mortgage had been bought and sold several times before this occurred. In XX/XX/XXXX I suffered an injury in a car accident ( other driver was 3x dui ) we had our own business, I was unable to work as much as I had in the past, we fell behind, but kept in contact with our mortgage company. When Carrington took over in XX/XX/XXXX we spoke with a rep who told us as long as we kept in contact with her and gave her the status of attempts to sell we would be fine. So we were completely surprised by the foreclosure filing. This coincidentally occurred one day before mediation on the car accident. Carrington was aware of the mediation. Carrington refused to agree to a reasonable reinstatement amount, demanding {$85000.00} to bring the loan current, and we feel vindictively filed the foreclosure suit. This forced us to continue to reduce the asking price of our home so that we could sell before we lost it. I am not attaching documents at this time, but can do so upon request.
12/26/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 93560
Web Servicemember
Please read the email I sent the mortgage advocates on XX/XX/XXXX below. They have not responded. Hello, I have had an issue with Carrington Mortgage falsely reporting late payments to my Mortgage Account. I initially bought my home in XX/XX/XXXX, funded through XXXX XXXX XXXX. Carrington Mortgage Services bought out the loan in XX/XX/XXXX. We were assured our loan would not be sold so we could have a local business to walk into to settle any issues with our Mortgage. Our Loan Details - Signed in person with XXXX XXXX XXXX : Fixed Rate - 3.75 % - 30 YEAR LOAN beginning XX/XX/XXXX. Loan Amount : {$240000.00} P & I - {$110000.00} Hazard Insurance - {$88.00} Flood Insurance : {$160.00} Total Monthly Payment : {$1600.00} Carrington lowered the Escrow Payment for a couple months so our overall monthly payment was XXXX, Then in XX/XX/XXXX, they readjusted it to {$1800.00}. Please review the attached documents. The mortgage payment breakdown shows the extra payments made, and the corresponding months the payments were made for. If you view the screen shots, you will see the discrepancies in the web page between my monthly statements and account payment history. We have never been late. We have made extra payments. I had noticed a couple of months ago that Carrington reported a late payment and an INCREASE in my principal balance from {$230.00},??? to {$230.00},??? to the credit agencies ( XXXX, etc. ). I have never been late on a payment. The error was corrected, however a late fee is still showing up on my statement. It was also reported to the credit agencies and causing a significant reduction in my credit score when I am trying to refinance my house through a more reputable VA loan. How is it possible for my principal balance to INCREASE, Especially when extra payments were made to principal throughout the year??? I attempted to contact a representative to sort through this. The person on the line did not speak fluent English and was located in a foreign country. I asked to be transferred to an English speaking American. She requested I provide my social security number over the phone before she could transfer me. I told her for security purposes, I would not provide my social but I would provide my account number. She said she already had that. I told her I would provide my social to the American I was transferred to. She refused to transfer me. A day or two later, Carrington showed up on my caller ID. I answered the phone as I needed to resolve this matter and the person on the other end hung up on me. I am so irritated with this company. I read reviews on the XXXX XXXX XXXX. Many others have had many of the same issues as I have over the past couple of months. If this issue is NOT resolved within the next 24 hours, I will be reporting Carrington 's fraud and scams to a variety of agencies including but not limited to the Treasury Department Bureau, Consumer Financial Protection Bureau, Federal Reserve, and the Federal Deposit Insurance Corporation. I have requested statements from the XXXX XXXX XXXX. I expect to receive those in the next few days. I also have bank records back to XX/XX/XXXX and I have requested copies of the bank records from XX/XX/XXXX through XX/XX/XXXX to verify the automatic withdraw of mortgage payments through my credit union and banks. Immediate Action Requested ( Within the next 24 hours ) : 1 ) Remove the increased balance AND late status from my credit report. 2 ) Correct my statements and Loan Payoff request information to accurately reflect the payments I made ( early and extra ). 3 ) Credit my account and send an apology letter for the XXXX and XXXX you have caused me, and for the delay in my refinance progress.
08/31/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • PA
  • 184XX
Web Servicemember
Carrington Mortgage Company has repeatedly mishandled our VA mortgage by misappropriation of funds, inaccurate billing, inaccurate reporting to credit bureaus and most recently the mishandling of VA partial claims mortgage and promissory note. During the COVID pandemic we applied for the COVID -19 Refund Modification on XX/XX/XXXX. Carrington was to place our account in forbearance while processing our modification. Come to find out they did not do the modification correctly, kicked our loan out of forbearance, started foreclosure proceedings against us and reported us to the credit bureaus. On XX/XX/XXXX we spoke with " XXXX '' Employee ID # XXXX who admitted that Carrington inappropriately handled our loan. She transferred us to " XXXX '' her supervisor Employee ID # XXXX. He also admitted that our account was mishandled and stated that he would reopen the modification request and place us back in forbearance. Carrington mishandled our loan and aggressively moved to foreclose on our property all while operating under their own inaccuracies. We believe they acted intentionally in a predatory way to take our property but met resistance when we challenged them. The process was never handled properly and took a ridiculously long time and was riddled with ongoing problems. We ended up being overcharged {$5900.00} by Carrington for the modification partial claim. We repeatedly told them that their numbers were wrong and they were over charging us in our partial claim to the VA. We requested to see the breakdown of the numbers but they were uncooperative. Carrington ended up requesting {$40000.00} from the VA to bring our account current... that amount was incorrect. Thankfully we had maintained communication with our VA representative, XXXX XXXX and after careful review the VA determined that we were correct and Carrington had in fact overcharged us by {$5900.00} and Carrington was forced to amend our partial claim to the VA. The claim was corrected to reflect an amount owed to the VA of {$34000.00}. This payment came into Carrington from the VA on XX/XX/XXXX. Instead of applying that amount in total to our principal balance as it should never have been part of our principal, Carrington only applied {$4800.00} to the balance and without authorization or consent Carrington decided to make a monthly payment of {$1000.00} to our account with the balance of the {$5900.00}. This was an unauthorized application of funds ... the entire {$5900.00} should have been applied to the principal balance of the loan as that amount was overcharged to our account. Carrington had no right to decide to apply the money to anything other than the principal. Carrington put that money in as a monthly payment for XX/XX/XXXX when we never told them to and we ourselves made XXXX 's payment on XX/XX/XXXX. Our principal balance is incorrect because of their latest mistake and we have serious concerns as to the continued mishandling of our funds, the over charging over our account and all of the inaccuracies along the way. We have account statements, documentation, and have requested dozens of times that Carrington send us fully executed documentation of the amendment that was to correct the amount we owe to the VA and they continue to send inaccurate paperwork and play XXXX. We have reached out about these issues ongoing for the span of almost two years and we now request that a third party pull our account and review it for accuracy and assure that there is Truth in Lending with this lender. We want to see that the {$34000.00} payment from the VA was properly applied and that we are not paying any interest on the money as that is a lien with the VA and not subject to interest payments.
06/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30045
Web
On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$230000.00}. The loan was evidenced by a Mortgage ( Security Deed ), '' naming XXXX., as the " Lender '' and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Successor by merger to XXXX XXXX allegedly acquired title to the property via Assignment of the Security Deed. Sometimes thereafter, XXXX XXXX XXXX, XXXX, declared Plaintiff to be in default. Plaintiff, however, alleges that XXXX XXXX XXXX, XXXX is responsible for her default because XXXX XXXX XXXX XXXX XXXX failed to properly credit Plaintiff 's loan account for money I have paid and also took fees from my monthly payments that I did not owe and refused to credit or return those fees. XXXX XXXX XXXX, XXXX. transferred the loan account to Carrington Mortgage Services, LLC., who continues to improperly credit account and refuses to return unauthorized fees that were taken. While Plaintiff and XXXX XXXX XXXX, XXXX. was in the midst of resolving the alleged default issue, XXXX XXXX XXXX, XXXX. passed title to Plaintiff 's home via a second and subsequent Assignment of the Security Deed to Carrington Mortgage Services, LLC., as Servicer and Attorney in Fact for XXXX XXXX XXXX XXXX XXXX Over the course of my loan I has made multiple efforts in the hope of securing an affordable loan modification and, ultimately, to retain the home, including extensive correspondence and conversations with various XXXX XXXX XXXX and Carrington Mortgage Services XXXX LLC., personnel, I requests for an affordable loan modification or other reasonable workout options were denied. To date of this complaint, I still have not been provided a true accounting of my loan account. On or about XXXX XXXX, XXXX, I forwarded to XXXX a Qualified Written Request ( QWR ) requesting that XXXX provide, XXXX XXXX, me with ( XXXX ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( XXXX ) A complete and itemized statement of all advances or charges against this account ; and XXXX XXXX ) A complete and itemized statement of the escrow for Plaintiff 's account, if any, from the date of the note origination, to the date of Carrington 's response to my QWR. Carrington still have not provided me with the requested information. Currently, Carrington Mortgage Services, LLC., has initiated foreclosure proceeding against my property and is due to auction my home within the next 60 days. My loan was insured by HUD and our FHA loan contract mandates that if Carrington Mortgage Services , LLC . has a XXXX office within XXXX XXXX miles of the property, they are supposed to give me a face to face meeting at the property and give me a workout option before initiating foreclosure proceedings against me. This has not been done. Carrington Mortgage Services, LLC., claims that XXXX XXXX XXXX gave me a face to face meeting already but that is not the truth. XXXX C.F.R. XXXX XXXX b ). In this instance, as mentioned above, Carrington maintains branch offices less than XXXX miles of the Property, far below the XXXX mile limit and therefore is not excepted from the face-to-face obligation under XXXX XXXX b ). Carrington did not comply with these regulations, as it did not have a face-to-face interview with me or make any effort whatsoever to arrange such a meeting prior to commencing foreclosure proceedings against my home.
04/28/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • OH
  • 44128
Web Older American
This is a follow up complaint on XXXX XXXX Carrington Mortgage Services LLC. XXXX went bankrupt & is now known as Carrington Mortgage Services in XX/XX/XXXX XX/XX/XXXX, XXXX originally sent a payoff quote of XXXX. In XX/XX/XXXX & XX/XX/XXXX, I Wired {$25000.00} money twice, from my XXXX XXXX XXXX Account to XXXX XXXX XXXX account ''. XXXX Account which was Closed. XXXX mentions they dont accept XXXX . However my XXXX XXXX receipts never mentioned XXXX. The only issue was XXXX 's XXXX Account was CLOSED. I called XXXX XXXX & they said that the Account no longer exists & its incorrect. When I mailed email XXXX they didn't reply. ( see payyoff email.jpg ) XXXX in its XX/XX/XXXX confirms this & said " Due to filing bankruptcy, XXXX closed its XXXX bank account in XX/XX/XXXX. '' " XXXX also attempted to call you on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX to review the wiring instructions and to advise that it did not accept funds through XXXX. '' XX/XX/XXXX Submitted Complaint the CFPB on XXXX however again XXXX replied late. In the CFPB complaint I wrote. " 1st issue Wrong Pay Office Information Given by XXXX In XXXX, XXXX gave me a Reverse Mortgage Payoff. This was for a Reverse mortgage for XXXX XXXX XXXX, XXXX Loan # XXXX totaling {$25000.00} ( XXXX Payoff XXXX page 1 ) This included wire instructions to XXXX XXXX, Acct # XXXX & Routing # XXXX. ( XXXX Payoff XXXX ( page 2 ) I wired the money & called XXXX XXXX & they said that the Account no longer exists & its incorrect '' XX/XX/XXXX ( CFPB Complaint.pdf ) again XXXX replied late and said " we are not the company responsible on. XXXX referred the CFPB complaint to XXXX XXXX dispute the XXXX Account being CLOSED 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts. " ( e ) Duty of loan servicer to respond to borrower inquiries '' " If any service of a federally related mortgage loan receives a qualified written request from the borrower ( or an agent of the borrower ) for information relating to the servicing of such loan, the servicer shall provide a written response acknowledging receipt of the correspondence within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) unless the action requested is taken within such period. '' " 3. The loan servicer has NO MORE THAN 60 DAYS Business Days after receiving the borrowers request to correct the errors on the borrowers loan account or the loan servicing company must provide the borrower with a written clarification disputing any such error. '' " ( B ) after conducting an investigation, provide the borrower with a WRITTEN explanation or clarification that includes ( i ) to the extent applicable, A STATEMENT of the reasons for which the servicer believes the account of the borrower is correct as determined by the servicer ; and ( ii ) the NAME and TELEPHONE number of an individual employed by, or the office or department of, the servicer who can PROVIDE ASSISTANCE to the borrower '' ( f ) Damages and costs Whoever fails to comply with any provision of this section shall be liable to the borrower for each such failure in the following amounts : Due to XXXX late reply in XXXX, failure to disclose their bank was closed & pending bankrupcy, XXXXCarrington continue to add interest & insurance to the even then when transferred to Carrington failed to disclose payment info until XX/XX/XXXX. XXXX would be liable under 12 U.S. Code 2605 for slow replies to qualified requests considering payments & confirmation emails was made in XX/XX/XXXX thru email & thru CFPB yet no reply until XX/XX/XXXX. Also failure to provide statements regarding the Closure of XXXX Account & wires made to them.
11/02/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 125XX
Web
Hi, I was on COVID forbearance until XXXX with Carrington Mortgage, at which point I applied to resume payments. Carrington has taken over seven months to finally process my resumption of payments. They sent me a letter that does not provide critical details of the loan modification they are offering. It asks me to agree that there may be no oral agreements, and everything must be in writing. It also states that I agree to pay all fees, etc. However, the form does not specify the fee amounts, just that I agree to pay the fees. In some cases, the form has a blank where the fee is supposed to be or other information is supposed to be, and it gives them power of attorney with a form with a lot of blanks. The letter also does not include any further details about what is covered. There's no amortization schedule. There's no mention of whether the new payment amount is inclusive or exclusive escrow, or if there is a surplus or deficit in the escrow account that can be applied ( or needs to be paid ). Carrington has stated they will not provide this details, essentially leaving me clueless or guessing as to what it means. The notice demands that I sign by XX/XX/XXXX, and I received it two weeks ag. So, I sent these questions, and more, to Carrington to understand whether or not the modification makes financial sense, and to understand what my other options might be. Carrington 's representative is refusing to respond in writing. He keeps telling me to call, even though the document provided clearly states that no oral agreements are allowed. He's also said he's too busy in meetings to service me, but is unable to delegate. In the event Carrington has responded, they have provided erroneous information, and not checked all the facts, or answered all my questions. Carrington also does not make a supervisor or someone available when I call ( the last person I talked to, XXXX XXXX, told me I needed to talk to a supervisor but no one was available. ) So we have several issues here : 1. Carrington is not being up front about the costs, policies, and procedures. 2. Carrington, via their representatives, is refusing to service my loan by providing me basic information about things like fees that I have a right to know. 3. Carrington has taken an extremely long time to allow me to exit XXXX forbearance, and now is claiming I have taken too long even though they have been taking months. 4. Carrington 's web site does not include a way to contact them in writing -- only by calling. 5. Carrington 's employees are inconsistent with what they're saying. In some cases they refer to " notes '' that I can not view a copy of, that do not match my notes. For instance, Carrington sent a form to the wrong address, and then indicated in the notes they were closing my " streamlined workflow '' because I did not return a form I did not receive because of their error. 6. Carrington is artificially creating barriers to force me to take a workout at a disadvantage. A letter was mistakenly sent to the wrong address and now they are using this as a basis of denying me the option of deferring my payment 7. Carringtons employees are generally uninformed. Theyve done things like send me a link to the Homeowner Assistance Fund and tell me I can use that to bring my mortgage current, but when I follow their link the link states the program is no longer available. They did not send me this link back at the beginning of the year when I might have taken advantage of it. 8. Carringtons employees refuse to provide information. They claim I must take the workout because it is FHA regulation but do not explain which regulations force me to take this workout.
05/30/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 90242
Web
My name is XXXX XXXX and I have owned the property at XXXX XXXX XXXX, XXXX, CA XXXX for nearly three decades. I am a retired, tax-paying American who has been a resident of the area for over 50 years now. I am writing this letter to highlight recent hardships in my life in an attempt to stop the pending foreclosure on my home. The FHA Purchase loan in question was disbursed in the year XXXX from Carrington Mortgage Services and continues to remain in their possession. I understood just fine how the loan worked upon initial signing back then. The issues didn't arise until after it became apparent I needed to modify the loan due to difficult circumstances over the years. I applied twice for a restructure and was pre-approved the second time. Around this time was where my life seemingly began to crumble around me ... Upon reflection, XXXX was somewhat of a blur to me. It was so full of ups and downs, I don't even know where to begin. I suppose I'll start with my separation with my life partner, XXXX. I bring this up so that you may consider how rough that might be on one 's psyche alone. This is not to mention the loss of income that came as a result. As I was beginning the process of healing and recovery, I got the heart-dropping, gut-wrenching news that MY SON passed away in XXXX. The XXXX of XXXX to be exact. Please see the attached death certificate for proof. I am an elderly citizen, I can only take so much these days. I was unable to function normally. I made decisions I don't recall and would probably have a hard time justifying now that I am starting to put the pieces of my life back together. It was such a profound season of brokenness and grief for me, as I hope you are able to imagine. It was just one hard blow to my spirit after another. There's a saying that comes to mind as I describe this series of wretched occurrences : " When it rains, it pours. '' It definitely didn't stop raining there. That particular month, I was simply unable to make my final payment for the modification process I was previously approved for. My income was lower because of the separation and I now had an expensive funeral to fund for my baby boy. A few months later in XXXX, to my memory, I attempted to make up the delinquent payment but it was not accepted for some reason. I would please like this to be addressed. I reached out to Carrington for assistance, but was only given the run-around and misleading information. As a purported leader in Home-ownership, I was very hopeful that this lender might be able to help provide responsible financing solutions after hearing me out. I was gravely mistaken, which leads me to the reason I am now writing this letter seeking help wherever possible. I don't blame Carrington for all my circumstances of course, they only oversee my loan. On my end though, the recent struggles of my life have made it extremely difficult to follow through as diligently as I'd like. The lack of help and consideration was yet another bump on the road to keep my precious dwelling. This has been an increasingly frustrating process to deal with and I don't know where else to turn. Per the California Housing Bill of Rights, I, as a homeowner in this state, am guaranteed a single point of contact who not only knows the facts of my case, but also has any paperwork pertinent to the case. From my experience, Carrington has not been compliant to this ruling. Their representatives have seemingly not been able, or willing, to assess my financial situation or assist me in exploring my options in order to avoid future foreclosure. I am entitled to a review for all applicable programs based on my current and correct financial situation.
03/22/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37110
Web
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to complain about Carrington Mortgage Services. XXXX sold our mortgage loan to them. We never experienced any problems with them and have never been late in the years we were with XXXX. Please see the following : Received a letter from CMS dated XX/XX/XXXX stating effective XX/XX/XXXX transfer of our mortgage from XXXX to them. Received a letter from CMS dated XX/XX/XXXX stating to " Please disregard the following letters sent to you on XX/XX/XXXX the Notice of Sale of Ownership of Mortgage Loan and Notice of Servicing Transfer '' with the actual transfer date had occurred XX/XX/XXXX. Unable to make an on-line payment since CMS did not recognize our account, check sent to CMS for XXXX payment check # XXXX for {$1800.00} sent. CMS ran check thru as a DEBIT payment, not a check via the Automatic Clearing House ( ACH ). This payment was not applied to our CMS loan number **********, but cleared our bank on XX/XX/XXXX. XX/XX/XXXX received a letter from CMS that our mortgage payments for XX/XX/XXXX was not received, nor XX/XX/XXXX and " you are in default of your loan for XXXX payments '' received certified mail. XX/XX/XXXX payment made online XX/XX/XXXX for amount of {$1800.00} from our bank account confirmation number XXXX XX/XX/XXXX received another foreclosure letter. XX/XX/XXXX called and spoke with XXXX then XXXX about the XXXX payment not being applied as missing payment. XXXX, the supervisor, said we needed a copy of the check front and back, and signed and dated paper and fax to XXXX. Our bank informed us that the check was not run as a check, but as a DEBIT, providing copies from our account. When attempting to fax to this number it would not go thru with XXXX separate fax machines, and showed as an invalid number. XX/XX/XXXX called and spoke with XXXX and she said the fax number given was incorrect and to send to XXXX the requested information XXXX said to send. XX/XX/XXXX faxed copies from bank account showing check # XXXX run as a debit and not a check, and there was no check sent to our bank, unable to send front and back copies as CMS requested. Faxed this to Customer Research at XXXX. XX/XX/XXXX letter received that they are looking into my concerns sent to Customer Research. XX/XX/XXXX dated letter received about late fees added of {$74.00}, with still at risk of foreclosure. XX/XX/XXXX called CMS spoke with XXXX about the results from Customer Research. She said " be patient '', it can take a month. It has already been over a month since faxed XXXX. XX/XX/XXXX letter received from Customer Research, XXXX, states they do not find the payment and in order to further research this they require the front and back of the check # XXXX. Again it was run as a DEBIT by CMS. XX/XX/XXXX a notice of intent to foreclose letter sent from CMS. XX/XX/XXXX went to my bank and got a written letter stating that CMS did use check number XXXX and it cleared my checking account on XX/XX/XXXX via the Automatic Clearing House. XX/XX/XXXX refaxed more document to Customer Research from bank showing the check XXXX did get cashed by them as a DEBIT and went thru the ACH. On Friday XX/XX/XXXX I spoke with CMS to see if they had received my new fax sent two days earlier to Customer Research Department. She said there was not any record of receipt. The woman I spoke to also said there was no way to speak with the Research department she could not or did not have a way to transfer to them, there was no branch I could come in person to talk with someone, and there is no way to talk with any person who handles check payments. At this point I have consulted a lawyer
06/03/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 354XX
Web
My mortgage was sold from XXXX to Carrington Mortgage in XX/XX/XXXX. At the time we were a couple months behind on our mortgage loan but were making payments to XXXX with no problem every month. When I received the letter from XXXX stating that we had been sold to Carrington Mortgage it stated that if we had already sent in a payment for XXXX that it would post to Carrington or if no payment had been sent yet to send the payment to Carrington Mortgage. It gave their address and had our new loan number on it to document on a check. I never received a statement from Carrington showing when our XXXX payment with them was due or any other details on our new account with them. So I called them in XXXX to make the payment instead of mailing a check without having a statement. The payment I was making would actually be XX/XX/XXXX payment. When I called they took my payment over the phone with no problem. When XXXX came, I still had not received a statement from them, so I called in again to make a payment that month. Only this time I was told they couldnt take my payment unless I paid them the full amount due for XXXX, XXXX, and XXXX. I told them they took my payment the month before with no problem and they told me the person that took my payment should not have taken it. I didnt have the money to give them XXXX payments at XXXX time so they told me I could apply for a loan modification, which would possibly lower my interest rate and it would add the past due payments onto the end of my loan and then I would only owe XXXX payment instead of XXXX. We applied for this modification in XX/XX/XXXX and we were told that they could not accept any payments from us during the process of the modification being approved, and that they would call us and notify us by mail when a decision was made. Finally the last week in XX/XX/XXXX I got a phone call from Carrington saying that we did not get approved for the modification and the only option I had would be a Formal Forbearance Plan that would last for six months starting on XX/XX/XXXX and more than XXXX our regular payment amount. They said once the Forbearance Plan was paid off our monthly payments would go back to normal. The only problem with that was since they wouldnt accept payments from us during the approval process, we were now behind six months instead of XXXX, and the payment given to us was not something we could afford. We ended up contacting Carrington and asking for the total amount due to pay off the Forbearance Plan in full and reinstate our loan. They gave me the amount and also sent me a letter showing that amount and that payments would go back to normal after it being paid off. We took a hardship out of my husbands XXXX and paid off the Forbearance Plan on XX/XX/XXXX. Then on XX/XX/XXXX I called in and made my regular payment for XXXX. They have not taken the flag off of my account that shows us being in the Forbearance Plan and due to that the XXXX payment has not posted and is in an unapplied funds account. I have called them XXXX a week for a month now trying to get this resolved and it has still not been taken care of. They are sending me letters saying that I havent paid for XXXX even though it has cleared my bank account, and you can see the money that was sent in on the payment history of the account. I havent paid them for XXXX because I am scared to send them more money and it not get applied to my payment the same way that my XXXX payment was not applied. I have reached my limit on phone calls to them trying to resolve this and nothing being done. I have an appointment with an attorney this week and hope I never have to deal with this company again.
10/04/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 23456
Web Servicemember
The Covid Forbearance started on XXXX. The forbearance ended the end of XX/XX/XXXX. At this point we contacted mortgage company XXXX Carrington Mortgage Services , LLC ), to find out our next steps. We were told that our paperwork will be streamlined for a loan modification and that there is nothing to be done at this time, however the underwriters are backed up and the process could take anywhere from 90 days or more. At the end of 90 days we reached out to XXXX to check the status but were told that a decision had not been made yet about our loan modification. In XXXX of XXXX we were finally told that the streamline process was denied because we were already at the lowest interest rate. The reality was that we were not trying to get the lowest interest rate rather, a modification on monthly payments. After the denial we gathered our paperwork to submit information on financial struggles such as medical and or reduction in job hours and at one point XXXXt which in XXXX of XXXX. We also included medical conditions which occurred in XXXX further impacting our finances. On XXXX, the loan modification paperwork was submitted. This came back rejected with a statement that we needed to provide updated past three months of finances. On XXXX another packet was submitted for review. Then for approximately 2 months we were told that they could not access our credit because one of us continues to have a locked account. We later found out that XXXX was not only frozen but was also locked ( this was uncovered only after we took pictures and sent it via email to the loan modification unit ). This unfortunately continued due to my own confusion ( about unfreezing vs unlocking an account ). During this entire experience communication was never really clear with XXXX. We always had to call to try to get a clear picture and escalate call after call in order to try to figure out why we kept being rejected. Frankly, we spoke to several people in the loan modification unit/and the home retention unit but no one ever really guided us on making sure and ask us why the credit reporting account was still locked. I did not realize this error ( to not only unlock my account with XXXX but unfreeze until it was too late ). Then the final blow was when we were told on XX/XX/XXXX that we were denied and that their suggestion was to liquidate and or deed in lieu of foreclosure. We also received a letter telling us the same thing and that we could deny liquidation by the XXXX of XXXX and appeal this decision by the XX/XX/XXXX. We were never told that this would actually mean that we would be in foreclosure ( found this out today by phone-XXXX XXXX XXXX ), and that we would need to appeal immediately. As well the letter stated that during this process we could pay our mortgage ( today we were also told that because we are in foreclosure we could not make any mortgage payments ). This whole experience has been horrific and beyond stressful. With extremely unclear communication and very little guidance we are now in an extreme financial hole, due to the added fees which were added to the loan during the loan modification process and the delays. To be exact we now owe more than 58,000 dollars in added fees on top of our loan all because of frankly sheer ignorance and trusting that they were ultimately going to help us with a modified loan. Our credit scores are now seriously impacted and we are at risk of losing our home. We would like some sort of investigation to see if 1 ) if these fees are exorbitant 2 ) and now that the crediting bureau 's are now all open and we appeal, will foreclosure stop and will an actual modification take place.
10/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33578
Web
Carrington Mortgage is the loan servicer for XXXX XXXX XXXX XXXX XXXX whom acquired a veteran 's loan which had automatic bank withdrawal in place. At the transition, Carrington sent a letter indicated this will be a smooth transition, etc. I informed them I wanted to continue as before, auto draft from my bank. I received paperwork to complete and supplied a Voided check. On the form itself was the typical XXXX and questions-would you like the draft to be on the XXXX, XXXX or XXXX ( something of this nature, not exact ) and I made my selection. There was another question-What day of the week do you want the draft done-M, Tu, W, Th, Fri, Sa or Su. This struck me as odd. I do contracts for a living so always read everything. Was this a trick question? Could this not contradict the above question of the approximately preferred range of the XXXX to the XXXX? Because of this I chose to leave this unchecked. I had no preference what day of the week. Signed the paperwork and sent it to Carrington. Several weeks later, I received the paperwork and my Voided check returned by Carrington indicating auto pay has not initiated due to incomplete forms. I called right away, was informed my payment is overdue, there is a late fee as well as a property visitation, since they did not get the payment on time, a represented was sent to the home to confirm it was still occupied. They needed to paperwork again, so I was sent a new blank copy by post. This time around, the fine print by the same trick question of which day of the week, " this must be filled out, or autopay can not initiate. '' or something of that nature. I disputed the late fee, excess trip charge and requested them to remove any negative reporting if any that they placed on my credit report by their office. Their approach of the odd question, the act of returning the paperwork to me delayed any proper timing of my auto pay. I had never been late with this mortgage prior to their intrusion inserted into my financial life. That I was charge a trip charge fine to have an inspector go to my home to confirm if it was still occupied after they returned my bank info is in bad faith. Self created and heavy handed, didn't they get my phone number from the previous number and if not, why not? They could have simply picked up the phone to call me on either issues-what day of the week I wanted auto draft and if I could provide proof of occupancy. Their mishandling of the transition is appalling. I did not invite them to take over my loan and intrude into my seamless financial routine. Carrington replied to my written request to remove their charges from my mortgage account that they will research my issue however, the charges on still on my statements. Due to the paperwork 's nonsensical question, as any consumer answers could very well contradict each other along with the fact that Carrington Mortgage decided after the first mishap to clarify the nonsensical question with the added notification that the day of the week must be checked after my mortgage auto pay was already interrupted is their short coming of timely non disclosure while attempting to take consumer money unauthorized. I'm requesting CFPB assistance to investigate and halt Carrington and/or XXXX XXXX XXXX unusual practice of the " trick question '' of which they attempted to remedy with their additional side remark added into the newer forms, however too late for my transition. And to look at the bad faith methods of increasing their bottom line at consumer expense, to remove the excessive two charges they tacked on my account plus correct any negative reporting by them to my credit agency reports.
02/09/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20603
Web
Carrington Mortgage continues to send mortgage stateements 9 months after selling property. I have spoken with them on this matter over 9 times. Each time, Carrington Billing rep confirms from their OWN Short Sale Dept. that the debt has been fuoly satisfied. Yet, every month they have sent statements showing up to $XXXX owed. This is violation of the Fair Debt Collection Act AND Consumer Rights. They should be FINED and then I want to take them to court for undue harassment and further damaging my already fragile credit profile by continuing to show me late/default/whatever. Please know, by the way, that there is a serious tech snafu on YOUR website for complaints. Words I type only show for XXXX the page, then it is blank on the right half of page. XXXX billing as recently as XX/XX/XXXX by Carrington Mortgage, LLC. This regards a property that was duly and properly sold with full agreement by the mortgage company via their Short Sale Department. I have documents proving Zero Balance, and I went to Settlement XX/XX/XXXX - with NO Balance Owed. Details outlined Property Address: XXXX MD XXXX Carrington Former Acct. XXXX Still Billing me!!! Despite their own Short Sale Dept. confirmation to them while on phone with me! I seek your assistance in stopping and holding accountable the above-noted mortgage company for their violation of my consumer rights, by the unjustified and fraudulent billing for nine months for a property that was sold without any further balance. Documentation in my possession, and the types of documents are listed below. Summary 1. Sold home as a Short-Sale to avoid foreclosure. Settlement XX/XX/XXXX. Zero Balance Owed. 2. Carrington Mortgage Services, LLC sent letter to XXXX Title Company giving the amount required to agree to for sale. Buyer met the requirement. I have since May been receiving billing statements as if I still owe a mortgage payment. Maiming my credit profile and undue XXXX. Documented Proof of Zero Balance: I have documented proof of transaction (XXXX XXXX Court Record, XXXX Title Company Sale/Transaction XXXX, Mortgage company's fiduciary company) - all stating Zero Balance Owed. I have called Carrington 10 times since XX/XX/XXXX about them sending me billing statements every 2 months saying I owe XXXX 4 months payments. When I tell their Billing rep (whoever answers) of the Short Sale, they call their Short Sale Department and it is confirmed. Yet it is still on Billing's books - AND Carrington says it takes XXXX9 months for the sale to catch up with their Billing Dept. NONSENSE! If the XXXX Court XXXX has the sale on record, their own fiduciary company has it on record, and their own Short Sale Dept. has it, why are they billing me way after the fact? Their action is irresponsible and a flagrant violation of the Fair Credit/Debt Collections Act (not correct? well, close to that), and harassment by this fraudulent billing. They also are maligning my already wounded credit profile caused by my struggle to sustain myself, and causing me unnecessary XXXX and worry in my life. This is why I want to file a lawsuit against them and receive recompense for their dastardly actions, i.e., violating consumer protection laws, using fraudulent tactics to try to get more money on a closed (and satisfied account), and harassment. I seek your citation for their actions, and then I will seek legal help. XXXX XXXX XXXX MD XXXX XXXX From: XXXX Sent: Wednesday, XX/XX/XXXX XXXX To: cfpb-info Subject: Fraudulent Billing against Carrington Mortgage Company/Sold Property 9 Months Ago/Zero Balance
12/08/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08081
Web
In XX/XX/2018 my loan was with XXXX XXXX XXXX and I was in the process of applying for a loan modification and FHA partial Claim. In XX/XX/2018 after everything was submitted to XXXX XXXX XXXX, I got a letter from a company named Carrington Mortgage stating that they are going to be servicing my loan. I never received anything stating that Carrington Mortgage owns the loan, but only that they will be servicing the loan. They sent me a letter stating my loan modification packet was incomplete. I thought this was strange because I did not send one to them at the time, therefore I assumed that they were referring to the documents I sent XXXX XXXX XXXX when I applied for the loan modification and FHA partial claim. I completed a brand-new loan assistance request package and sent all required documents and a complete package to them by their XX/XX/2018 deadline. I faxed the documents, uploaded it directly to their portal and mailed it to them to ensure that they have everything they asked me for. By XX/XX/XXXX they had closed my loan assistance file and denied my request stating that they did not receive all the documents that they asked for. This was a complete lie and I feel that they had no intentions on following my request for assistance because by XX/XX/2018 they filed documents to foreclose on my home. As an FHA borrower I have a right to be considered for mortgage assistance and to request an FHA partial claim. This company pre-maturely closed my loan assistance request and failed to state exactly what I did not provide which made my request for help to be denied. Nor did I receive any correspondence that would allow me to correct or appeal their decision before they filed for foreclosure. Please see attached statement from Carrington Mortgage stating the following : " Within 5 business days, CMS will review what you have submitted and will let you know if your application is complete or if items are still needed. Once your application is confirmed complete, CMS will review your application and provide you a decision within 30 calendar days. '' This step was never offered or done in my case, Carrington Mortgage closed my file and moved straight to foreclosure without ever telling me what was missing so that I can appeal or provide any missing documentation. When I called them on XX/XX/2018 the representative could not tell me why my request was denied either. All she could say is that they package was not complete with no further clarification. I am requesting that a thorough investigation be done on the practices and the process of my request for mortgage assistance. Also, Carrington Mortgage has added bogus charges to my monthly statement as highlighted on the statements for XXXX, XXXX and XXXX. I received no proof or written explanations of the bogus property registration charges and utilities billed on my property. I am disputing these charges and would like them removed from my statement amount. Further, I request that all foreclosure proceeding be stopped and to allow me ample time to provide any additional information they are requesting that they failed to specify when they denied my request for assistance. I further request that they allow me the opportunity to reinstate my loan as well. I believe a fair resolution would be for Carrington Mortgage to first provide that they own my loan, and that they give me ample time to provide any missing documents they need to process my loan assistance request. Further, I want them to stop all foreclosure proceedings until they allow me the ample and fair time to get my loan assistance request processed for an FHA partial claim.
06/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 29651
Web
I was offered XXXX forbearance during the pandemic and was told at the end of the forbearance I would simply need to explain it was due to XXXX and the total amount accumulated would be added to the end of my loan. I continued to receive a monthly statement each month while on forbearance and could see the total amount due continue to rise. I received a notice dated XX/XX/XXXX that my XXXX Forbearance period was concluding and I could resume making monthly payments. I called and asked that the amount accumulated during the forbearance to be added to the end of my loan as I was advised to do by customer service when the forbearance began. I was then told I needed to submit loan modification paperwork to be considered for this service that I was promised. I submitted all of the paperwork they needed and they mailed me a notice that read I was not eligible for forbearance because I have an active bankruptcy case. The bankruptcy case in from XXXX when XXXX XXXX had my account before they sold it to Carrington. The bankruptcy was current when the forbearance was offered and each statement I have ever received from Carrington reads bankruptcy- so if it wasnt available for me it shouldnt have been offered or continued to accumulate fees. I called to complain and was told to resubmit at the conclusion of my bankruptcy scheduled for XX/XX/XXXX. Carrington then filed to be removed from the bankruptcy stating I had falled behind on payments which is not true ; the account had been on forbearance due to XXXX. Since receiving the notice that my forbearance period ended- I have made monthly payments that are not being credited to the total amount due which now includes the fees accumulated during the forbearance. My bankruptcy attorney said he thought it was best to allow Carrington to have the mortgage dropped so they could offer me the forbearance I was denied due to the bankruptcy. I objected and asked my attorney to object because I wasnt behind on payments the total was all from the forbearance ; he didnt object though. Carrington won the case and the mortgage was removed from the bankruptcy. Carrington then immediately submitted the paperwork to foreclose. I called Carrington and was given an outrageous amount needed to make account current that far exceeded the XXXX forbearance amount. I was connected with an agent that advised me to submit paperwork again to be considered for forbearance and explains he can not stop the foreclosure pending status until I submit all new paperwork. When asked about the multiple accounting errors where I was charged three times in XX/XX/XXXX for a payment and twice in XXXX I was told to submit these issues to a research department so they can be investigated. Currently my home is still in the foreclosure pinned status while I wait to hear back from a research department about the numerous billing issues. My payments for XXXX, XXXX, XXXX and XXXX have all been received by Carrington and the statements show the money being received but never credited to my account and the XXXX forbearance amount is still showing due now. I can not afford to pay the entire amount accrued while the account was on XXXX forbearance and they should have never offered me something they have no plans of honoring. That amount accrued has caused me to be placed back on foreclosure flagged status and I no longer have the bankruptcy protection that gave me the security of keeping my home. I am a single parent and feel very duped by Carrington. I need the amount accrued during forbearance added to the end of the loan like I was promised. Thank you for any assistance you can offer.
05/03/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29732
Web Servicemember
On XXXX XXXX, XXXX CMS reported that there was a 30-day late payment to the credit bureaus when that information was incorrect as a payment of {$1000.00} was deducted from my account and paid to CMS. On XXXX XXXX CMS reported that I was 30 days late when payment was received in the amount of {$1000.00} on XXXX XXXX XXXX and was not applied to the loan and was placed in an unapplied funds account pending the balance of {$130.00} per the recent escrow analysis conducted prior to XXXX XXXX without my knowledge. The paid amount was not reported to the credit bureaus instead CMS reported that the account was 30 days past due when again that was not correct as payment was sent and received per the memorandum provided dated XXXX XXXX XXXX. The notification letter informing me of the escrow increase was sent on XXXX XXXX, XXXX, which is after the erroneous information was reported to the credit bureaus, which I was made aware of by the negative information being applied to my credit report. CMS states that they try to avoid financial hardship on the customer, however not one phone call was made notifying me of the change in the amount of my mortgage payment. CMS states that they are required to report accurate information to the credit bureaus however based on the information provided via memorandum dated XXXX XXXX XXXX, CMS has failed to do so on all three occasions. CMS has continued to cause financial hardship by again reporting in XXXX XXXX that I was 30 days late when CMS was in receipt of {$1100.00} and held the amount in unapplied funds and appropriated {$900.00} to be paid for XXXX XXXX. On XXXX XXXX, XXXX XXXX received payment of {$1100.00} and an additional payment of {$260.00} on XXXX XXXX XXXX bring the account current per CMS, after receiving notification via mail on XXXX XXXX that the account was delinquent according to CMS. For the months of XXXX XXXX, XXXX and XXXX XXXX, CMS has received payment and made no attempt to contact me via phone and the attempts alleged by mail was received after the negative information was reported to the credit bureaus. As a Service member CMS customer service agents have been rude and uncaring of the hardship a XXXX faces and has made no attempts to support, instead I have to resort the XXXX to get some assistance. As stated before CMS has reported erroneous information to the credit bureaus per the memorandum provided and has made it clear that they will not correct the information or provide some relief in the form of contacting the credit bureaus and reporting that they were in receipt of all month 's mentioned above payments. CMS has not taken into account that since buying this loan from XXXX XXXX XXXX and for the last 8 years I have never missed a payment or have I been late into account when reporting. CMS has caused undue stress for my household and has no remorse for their actions. CMS has not reported payment to the credit bureaus since purchasing the loan XX/XX/XXXX and only started reporting my account XX/XX/XXXX which is in breach of the federal law that provides for timely and accurate reporting in regard to the current loan status, payment history and loan information. Per the Consumer Financial Protection Bureau guidelines which required suppression of information being reported 60 days after written request that was alleged to be sent on XXXX XXXX XXXX which I was not in receipt of per the information stated above. CMS did not properly notify me of the increase as a phone call was not made and I received the escrow analysis after requesting the information on XXXX XXXX, XXXX after the negative information was reported.
11/28/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30022
Web
XX/XX/XXXX I applied for the mortgage modification through the Home Affordable Modification Program. I have been paying my mortgage the entire time. I have not been in arrears. I received paperwork telling me of the possibility of my home going into foreclosure. I called the mortgage company. They informed me that my loan had matured and that I had a balloon payment which was the entire amount that I still owe on my home which is {$13000.00}. I paid my mortgage in XX/XX/XXXX in the amount of XXXX, they received the payment on XX/XX/XXXX. They have not applied it to my mortgage. I called to ask why the payment had not been applied, I was told that they were not accepting my payments because of this balloon payment. I have spoken to several different people at Carrington Mortgage Company and received different answers from everyone. I spoke to one individual whose name was XXXX and he told me that my loan had not matured, it did not mature until XX/XX/XXXX. There can not be two maturity dates on a loan. I was told that I needed to refinance my loan, I spoke to a loan officer. She told me I could not just refinance the amount I owed that I had to refinance for {$50000.00}, as this was the rate for the state of Georgia. When I asked if there was a penalty for early repayment she told me no. I said I would do the refinance and send back the amount over the actual loan amount. She said there would be no problem. She called me back in 30 minutes and told me that Carrington would not refinance my loan because I was late on my payment over 30 days. I have gone to my personal bank to barrow the amount needed to pay off the loan as a home equity loan. I found out today that they refused the application because of the debt ratio. They included the amount that I owe and the amount again so it makes my debt to credit ratio look poor. I called Carrington back today to see if there was someone who would help me. A gentleman named XXXX, had me on hold for 32 minutes and then came back to tell me how to ask for loan modification assistance. He told me where to find all of the paperwork to download, fill out and return to Carrington. This was they only way I could go. I asked about the payment being posted, again it was refused. I called Carrington again, this time I called the number for the loan modification department. I spoke to a gentleman named XXXX. He did not put me on hold, he researched everything while we were talking, he saw the two different loan maturity dates, he said this is a discrepancy. He could not find the paperwork for the loan modification. It appeared not to have been uploaded. He said there could be human error here when the information was input into the system. He did advise me to contact the customer service department. I was to request a copy of the loan modification document from XXXX, ask them to explain to me the maturity dates, the balloon payment amount, and when it was due. He told me that you could not have two different maturity dates on a loan, if there was a balloon payment it would be at the end of the loan which is XX/XX/XXXX. He spoke to a friend of his in the loan collection department. This gentleman said you can not have two different loan maturity dates, and a balloon payment would only occur at the end of the loan. He said I should call HUD directly, they would be able to get my paperwork faster than customer service at Carrington. I asked if Carrington would take measures to clean up the mess they have made of my credit. He told me that I would have to contact customer service with the this question. I need your help.
11/29/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • GA
  • 30047
Web
On XX/XX/XXXX, I had a Court date with an Attorney XXXX out of XXXX, Florida, as his office put in the XXXX system a Case No. XXXX in the XXXX XXXX of XXXX XXXX XXXX XXXX Florida . The Plaintiff, supposedly XXXX XXXX XXXX XXXX XXXX, as XXXX for Carrington Mortgage Loan Trust Series XXXX XXXX XXXX XXXX-Through Certificates filed this case against me. This could not be true because this is a pooled loan that has been " Securitized ''. The only reason I haven't been able to get a proper accounting of what is owed, and Carrington 's fees are excessive. So many, not on my knowledge were even paying the taxes. I chose to resolve all of these issue. Sometimes, you do not know all the intricacies of your Parents properties. This was my Mother 's property and I received this property through XXXX. I have been trying to work with Carrington, however, they keep denying a Modification, and they send an attorney to practice theft. The Consumer Financial Protection Bureau has fined this Company, and I would like to apply for the fund that is available in your office because of the theft of Carrington with its consumers. And, the lawyer should be fined because his law firm is in the business of theft of property, targeting Seniors properties. Acting like he has the Note, having employees such as XXXX XXXX to prepare an Affidavit for his scheme of a Final Summary Judgment, and none of those documents were certified, and the Affidavit for XXXX XXXX, not signed, just stamped. To include, this isn't a Default of which, is proclaimed. This is a scheme to not approve mitigation in favor of " XXXX '', and they are labeling it a Foreclosure. The Judge literally granted Attorney XXXX to approve his ( Plaintiff 's ) Motion for Final Summary Judgment of Foreclosure. We all know this is always a tactic of Attorney 's in the Court system to snatch equity, and sell the property. It is a scheme that must be stopped. What is owed is less than {$40000.00}, however, I do not believe it is this amount due. At the time I was working to facilitate a solution, we were under The Cares Act, which is XXXX legislation for private property rights and Homeowners. I know the CFPB found on XX/XX/XXXX that Carrington misled certain homeowners who had sought a forbearance under the CARES Act into paying improper late fees, deceived consumers about forbearance and repayment options, and inaccurately reported the forbearance status of borrowers to the three credit reporting agencies. I am one of those Consumers who have been deceived so that I can be accountable to the property I now own, which was passed down through Probate. I have never received a refund, nor has Carrington worked with me to solve this issue. I am asking to request part of the XXXX XXXX penalty that has been deposited into the CFPB 's relief fund. I do need relief from this purported Foreclosure, which is an Illegal Foreclosure. As you state, Carrington is a non-bank. I am asking the CFPB to audit my account and force Carrington to make it right, free of their scheme to set a date on Foreclosure, which still violates why you gave this company a stiff penalty in the first place. The actions that I took was working with Carrington to solve this issue, and they would not. They are subject to " Investors '', of which is concealment, and a " Contract Not Held ''. These Investors get monthly checks. Doesn't this sound strange, and it's my property. The remedy. This property should be already paid off and I question the accounting. Yes, I desire to apply for the Victim 's Relief Fund on the property. This is my family home.
04/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • WA
  • 99004
Web
I wish I had first done research on Carrington Mortgage Services before attempting to refinance with them. There are thousands of complaints online about them. Just XXXX it and check for yourself. I will never again do business with this deceptive, lying company. I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on or about XX/XX/XXXX, regarding Carrington Mortgage Services, ( CMS ). The Case number is XXXX. The company asked for an initial extension of 60 days and it was granted by the CFPB. On XX/XX/XXXX, I received a response from CMS. At the end of their response, they ask for additional time to complete their investigation. Since they have already been granted one extension, I do not believe they should be granted another one. They have been dragging their feet for 60 days on this issue. I believe CMS is just stringing this out because our current President of the USA has said on many occasions that he will try to completely shut down the CFPB as soon as possible, and CMS does n't want the CFPB to fine or punish them. I am a huge fan of the CFPB and hope they stay open forever and do great work in holding deceptive companies such as CMS accountable. Their initial email to me, dated XX/XX/XXXX, offering to refinance my current mortgage with them, stated that they would NOT need to verify my income. They ended up denying my refinance request due to " not being able to verify my income. '' So they were lying to me about NOT needing to verify my income. That seems like a clear case of deception to me. Why did CMS ask me on many occasions to send them many different financial documents proving my income and assets? Especially when their initial email to me stated that they " Did NOT need to verify my income to qualify for a refinance. '' CMS should be held accountable by the CFPB and fined and forced to grant me the refinance I was requesting. They should not be allowed to get away with deceptive practices such as this. If they are denying my refinance request, with my near- perfect credit score and my base salary of {$58000.00} and a relatively small mortgage of XXXX, then they must not be approving too many loans. I would think I am a very small risk to loan to. Nothing negative on my credit report - EVER! And I am a XXXX. I have been with the XXXX for over 13 years now and will stay with them at least until I can retire at my 30 year mark. Their initial email offering to start the refinance process with me also started, " The process only takes three weeks. '' This is a lie and deceptive practice because they process took just short of three months. I fulfilled every request that CMS made of me in the refinance process in a timely manner. There were many requests, at least 25 over the course of the three months before they ended up denying me. At least 75 % of those requests were completed by me and emailed back to the company within 48 hours. Only one, getting a copy of my divorce papers, took about 5 to 6 days. It took this long because I had to order a copy from the County Clerk 's office. I was very prompt in all of my communications with CMS during the entire 3 month refinance process. I was excited about lowering my payment and paying much less interest on my mortgage over the life of the loan. Consumer Financial Protection Bureau ( CFPB ) - - Please do not let this company pull the wool over your eyes. Please take action against them. If not, I will be forced to have my Attorney pursue any and all legal remedies against Carrington Mortgage Services for engaging in deceptive lending practices and lying to me.
10/09/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 75228
Web
XXXX am filing a complaint on what I believe to be " Wrongful or Unlawful Foreclosure '' Although my house was foreclosed on XX/XX/XXXX I believe that I evidence proving that Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX did not follow the Proper Practice Guidelines set out by the XXXX following the XXXX XXXX XXXX " MERS '' lawsuits. I should also note that my mortgage in fact was a part of the XXXX XXXX and XXXX of XXXX " MERS '' issue. In XXXX XXXX I filed for a forbearance with XXXX which consequently never happened I suspect due to the federal investigation. In XX/XX/XXXX XXXX XXXX held up all transfers of service XXXX was negotiating and I do n't know the release date but I do know my mortgage was included. In XX/XX/XXXX I received a transfer of service from Carrington stating that my XXXX account # was being transferred effective XX/XX/XXXX, my new account # and that my current creditor was XXXX XXXX and my current servicer was Carrington Mortgage Services and the amount of the debt was {$.00} I immediately called Carrington explained the XXXX situation at which time we began what I believed to be the forbearance process. The process took ( XXXX ) sets of paperwork sent XX/XX/XXXX, XX/XX/XXXX and the final paperwork XX/XX/XXXX. The entire period I was told my paperwork was only good for 30 days and it had expired the first XXXX times. Finally XX/XX/XXXX a letter was drafted and I received XXXX separate envelopes in mid XX/XX/XXXX denying me loss mitigation, deed-in-lieu, a short sale and a loan modification due to excessive forbearance. Next thing I knew I received a Notice of Pending Acquisition dated XX/XX/XXXX. The notice stated that the title to my property was expected to transferred to Carrington then transferred to HUD, and it was only when I received Notice Of Acceleration XX/XX/XXXX did I realize the trustee of my note " MERS '' was removed and it was now owned by Carrington. I also know that my MERS # is inactive and that raises a question in itself. My continuous calls to Carrington included requests some of which were trying to find out how I did n't qualify for any help, could they prove transfer of title, workout plan, my need to have money to move and a few other things. Upon their disinterest to help me or work with me in any shape or form I started my own due diligence because I felt something was not right about this whole foreclosure process and I wanted to find some facts about it 's legality I am shocked to find as much as I have. The following is the list of what I found through my research and telephone calls and these would be the very essence of my complaint. At the time I first requested a forbearance from XXXX they were already involved in the federal issue and I should have been informed that my request was NOT going to be approved and/or looked at a ) because they were transferring service b ) they were involved in a investigation. When I received the transfer notice Carrington had an obligation to follow XXXX Guidelines which clearly outline my rights to be " Homeowners have the right and lenders are obligated to offer any and all options for foreclosure avoidance through the following practices '' a ) the right to proof of an accurate balance b ) the right to proof of assignment c ) the offer of loss mitigation d ) the right to have my appeal, complaints and requests addressed e ) the right to a timely review of my request ( s ) f ) and finely the right to retain my home period! I have much more to this complaint so I am attaching the whole complaint to the document upload.
03/24/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • FL
  • 33907
Web
In late XXXX 2015 I contacted XXXX in response to an ad for a vacation rental home in XXXX XXXX, XXXX because I was transferring from XXXX XXXX for my government job. I paid ( via XXXX ) {$4500.00} to rent the home for two months, from XXXX XXXX through XXXX XXXX. I got to the home XXXX XXXX with the intention of looking around for a more permanent home ( not vacation ) rental with a year lease. The real estate Company advised that I should try to " get approved to buy a house with our Finance guy '' ( XXXX ) instead of renting The finance company approved me for a {$260000.00} loan after much transfer of paper work and income verifying, etc. The same week, I put an offer on a house. It was a XXXX foreclosure home owned by the XXXX XXXX. After many transfers of paperwork and paying for home inspections, electricity to be turned on, plumbing inspections, survey, flood certification, etc., I was told we would go to settlement on XXXX XXXX. On XXXX XXXX the real estate company ( XXXX XXXX ) informed me " the whole thing fell through, there are too many repairs for the bank that is approving your loan to deal with ''. So I lost the house and money I spent on everything to get it approved At that point the vacation rental was already overdue for me to move out, and XXXX XXXX said I could stay another 11 days for {$800.00} ( which I paid ) because I had nowhere else to go. At that point " snow bird '' season had kicked in and rentals were very hard to find and very high priced. The realtor then " offered '' me to rent XXXX their other rentals for {$2000.00} for a month until we could find another house to buy, which I was leery of, but had invested so much time and money in the first house I did not want to give up. I found another house immediately, which was {$50000.00} cheaper. {$210.00}. The closing was scheduled for XXXX XXXX, and everything was in order to buy it, same finance company and realtor. I paid once again for survey, inspections, etc. XXXX XXXX came and went, the finance company informing me all the while of all the paperwork " missing '' and mistakes made in getting transcripts from the IRS. Then the second rental home that we were currently renting became " unavailable '' on XXXX XXXX ( we already extended a week for the closing date ). I was forced into very high priced hotels with my XXXX children and XXXX dogs ( I am employed XXXX and have a big dog ) which cost a fortune after one week. My belongings ( which we had moved three times ) were stuck in the moving truck for 23 days ( {$860.00} XXXX. My XXXX XXXX XXXX dad and I ended up sleeping on a couch and mattress on the floor of the kind person who felt sorry for us. Finally, when Friday, XXXX XXXX, 60 days after starting the SECOND loan, 30 days after the original closing date came, I asked the finance company and realtor if the sellers were going to sign another extension or cancel the contract, to which I received a text saying " sellers cancelled ''. We were devastated. So much time and money lost. I had to immediately find an apartment to rent in XXXX XXXX, and move in over the next couple of days. Then the realtor told me the sellers " had never cancelled and that it was all a big confusing mess. I live in an apartment now, ( my dad also rented an apartment ), which is costing us way more than an apartment would have cost before snow bird season. For FOUR months, nothing but stress and messes and mistakes by the finance company, lender, and Real Estate Company. I have lost over {$4700.00} not including the {$1000.00} escrow deposit that the sellers wo n't release.
11/18/2021 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19606
Web
Carrington MortgageXXXX collector is my lender for my home. XX/XX/XXXX I was in finally underwriting with new lender. I was late making that months payment due to medical reasons. I received my monthly statement from Carrington upon reading this as several times before I felt harassed, threated, bullied, singled out as this was another Foreclosure and loss of my home threat if they don`t receive payment for XXXX by XX/XX/XXXX. I contacted Carrington`s Assistance Mortgage department. I explained that i was late due to medical and asked if i was going to loose my home. Department personnel I was speaking with said no I`m no where close to that point and Carrington does this to get a quicker response. I then asked will this be reported the Credit Bureau`s cause I`m in final process of re financing, She explained no I was approved to receive help from their program that no reporting is done while you are getting assistance from them. I made my XXXX payment that day and advised to call back in about 2weeks to see where I`m at for making XXXX 's payment. Refinance company had sent out pay off request to Carrington 2 weeks before this. Refinance company did their final pull third week of XXXX and notified me that I have a late payment on my Credit report from Carrington and they where no longer able to go forward and loss of refinancing of my home will be closed due to the reporting to Credit Bureau`s by Carrington mortgage. I disputed with credit bureau`s and Carrington cause I was told while getting assistance through Carrington`s program no reporting would take place. I pleaded several times with Carrington`s Customer Service with negative results. I made XXXX 's payment last week of that month to bring current status and before their foreclosure deadline they gave me. I tried again and made certain I was place with someone who had Authority in discission on them reporting me. I explained to the gentlemen that not only was I reported late but was reported that I was no more than XXXX late he briefly looked at my dispute and said it wasn`t them who reported not more than 2 months late, but did say due to being 30 days late it was reported. I explained that I was told this wouldn`t be reported. He explained to give him 4 days to investigate and review the phone conversation to verify my claims. I tried contacting him but customer service said they are trained to take these calls. I advised reason for call and placed on hold. Moments later she advised that discission stands and they have no record of my claims as to being in program or being told this wouldn`t be reported to Credit Bureau`s . I loss my refinance, I was lied to then insinuate that I was lying. I feel that this was deceitful, dishonest, spiteful and singled out because my XXXX. They have given me a hard time since day one I feel cause my XXXX check comes after their grace period and i have to pay monthly late charges have to Pay to Pay. Under the FCRA doesn`t it say rule XXXX prohibit debt collector furnishing information to consumer reporting agencies to communicate with the consumer first. Also Doesn`t this violate FDCPA 806 Or does this not apply cause Carrington has 2 types of business operating as one. How do I or consumer know who their speaking with when Carrington calls is debt collector or my mortgage company. Has the FCRA approve of this type of business procedures cause I feel this is conflict of interest not knowing whom your speaking to on phone and able to make decision on my status of home whether or not I live there unless monies are paid by certain date.
10/19/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • Delays with the closing process
  • NC
  • 28540
Web Servicemember
On XX/XX/XXXX, I turned in my Loan Assumption paperwork, as instructed by Carrington Mortgage, in order to identify the person who would be assuming the loan. Once I turned in my paperwork, XXXX XXXX received his packet to complete. He completed his and turned those back in. On XX/XX/2023, XXXX received an email confirming the receipt of his application, with the information that my assumption coordinator was in the process of reviewing it and would be reaching out to discuss the next steps. Subsequently, on XXXX XXXX, XXXX sent an email seeking clarification on the identity of the assumption coordinator assigned to my case. Unfortunately, he did not receive a response to this inquiry. At this point, I had called the coordinator in hopes that I could get in contact. Growing increasingly concerned by the lack of communication, I filed a formal complaint with the company around XX/XX/2023, as it had been more than a month since I received any feedback since the initial email on XX/XX/XXXX. Before the formal complaint, I had called Carrington on multiple occasions to speak with the coordinator. Multiple messages were left but none of them returned. It wasn't until XX/XX/2023, that XXXX finally received an email requesting a copy of the fully executed contract between myself and the buyer, an essential document for advancing the prequalification process. The email emphasized the need for this document within a tight three-day window to avoid potential delays. Given the abrupt timeline provided, I expressed my concern about the last-minute nature of the request and communicated that I would require until the following week to draft the agreement and obtain the necessary signatures from the buyer. On XX/XX/2023, XXXX received an email inquiring about his willingness to proceed with the process, to which he promptly responded " yes. '' He also conveyed that he was actively working on finalizing the agreement and would be submitting it shortly. Subsequently, I was informed that the process typically takes 45 to 60 days from the date of application receipt. XXXX submitted the application to Carrington Mortgage on XX/XX/2023, to move the process forward. He requested confirmation of receipt on XX/XX/XXXX, but regrettably, did not receive a response. My concern deepened, prompting him to seek confirmation once again on the XXXX of XXXX. However, it wasn't until XX/XX/XXXX that XXXX finally received a response inquiring if he still intended to proceed with the process. Without hesitation, he reaffirmed his desire move forward and inquired about the specific requirements on his end, as well as seeking an update on the progress of the process. I have not received a response and my phone calls have not been returned. I'm concerned about the lack of progress in the loan assumption process by the mortgage company. Despite our efforts to cooperate and provide the necessary documents, we have not received any information regarding my qualification status or any updates on the progress of the process. I reached out to Carrington again on XX/XX/2023, to express the significant delay this process has taken. From my original application submission to now has been 90 days. We are yet to receive a call from the assumption escalation team. This lack of communication and transparency has left us in the dark and uncertain about the status of the application. I would greatly appreciate it if the mortgage company could provide clarity on the current situation and a timeline for when I can expect further updates or a decision on my loan assumption request.
08/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 38016
Web
On XX/XX/XXXX, I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX which is the law firm representing Carrington Mortgage Services (CMS). The letter is dated XX/XX/XXXX and the date stamped on the envelope is XX/XX/XXXX. This letter has an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This letter states that a breach was made on the loan number XXXX and their law firm was employed to take action against myself and the property if necessary. It states that I have 30 days to dispute the validity of this debt, or any portion thereof, or the debt will be assumed to be valid. Also, it states the amount of debt is $XXXX and is accelerated and the entire amount of the outstanding balance of principal and interest is declared immediately due and payable. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from CMS with loss mitigation options and began gathering my documents to submit yet another mortgage assistance application. On XX/XX/XXXX, I received a second letter from the same law firm above stating that a notice of sale was submitted to XXXX XXXX in which a sale of my home will be conducted on XX/XX/XXXX at XXXX XXXX at XXXX County Courthouse. I submitted my latest mortgage assistance application on XX/XX/XXXX via email. Previously, I began submitting request for mortgage assistance applications all the way back in XX/XX/XXXX to present. CMS would either say the application was incomplete and would close it out, that I did not qualify, or some other bogus reason to take my home. When CMS finally said that my application was complete and they would send it to their home retention department, they then claimed the documents were fraud as I was forced to put my elderly sick parents on the application. They told me to appeal if this was not true. I appealed and was told to wait 30 days for their research department to review. I called regularly to obtain status and was told various conflicting information. Finally when the 30 days were up, I called again and was told that there was no such thing as a research department even when I gave them the name and ID number for the representative that stated she was handling the appeal. I have received ill advice and contradictory statements from different employees within the same departments. I exhausted all options that I could possibly think of to rectify the situation with no avail which led me to believe that they were just determined to take this home from me regardless of my efforts. I have countless documentation for over a year now with the various conflicting information I received from different representatives at CMS. I purchased this predatory loan back in XX/XX/XXXX in which the sale price was $XXXX. It has been over 14 years now and I owe just as much now as when I first bought this home. It is very difficult to talk to CMS. Most of the representatives I have encountered have been very aggressive and forceful with their words. I become mentally and physically sick when having to deal with them. I would like nothing more than to rectify this situation. So, I can keep my home but please note that the information the law firm and CMS has as original borrower and owner of record is inaccurate. The personal identifying information provided is not mine. If you need any additional documents, please let me know as I have documents dated back to XX/XX/XXXX when I first began this process and I also have documented phone calls received and made to and from CMS. Please advise as what I should do as time is running out. Thanks.
09/10/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 368XX
Web
I am concerned that the practices employed by Carrington Mortgage Services ( XXXX, CA XXXX are intended to devastate homeowners. After my own experience and then reading complaints to the XXXX with regard to other homeowners who 's loans have been bought from XXXX XXXX XXXX, I am gravely concerned about Carrington 's practices. On XXXX XXXX, 2015, I received notice of registered mail from Carrington Mortgage Services as well as a mortgage statement. I called immediately and learned at that time that Carrington had bought my home mortgage loan from XXXX XXXX XXXX in XXXX 2015 and the mortgage was in foreclosure due to nonpayment. This was the first correspondence I had received from Carrington. My mortgage payment has been automatically drafted from my bank account for as long as I 've held my mortgage. I had never been late, not even on XXXX payment in all of the years since purchasing my home. When I checked with my bank the following morning ( Saturday, XXXX XXXX ), I learned that my mortgage payment had indeed, not been drafted from my account since Carrington bought the loan. However, the amount due was available in my bank account but when I tried to make that payment to bring my loan current ( according to the mortgage statement I was mailed, the bill was due by XXXX XXXX, 2015 ), Carrington customer service told me that by federal regulations, they could not accept the payment, that the mortgage was in Foreclosure and that I would need to request a reinstatement -- of which would include a reinstatement fee. I was told that the Reinstatement Notification would be sent within XXXX hours. I received the Reinstatement Notification 4 days later. My concerns : I was not contacted by registered mail prior to my home going into foreclosure, I am concerned if federal guidelines were in fact followed with regard to not accepting payment by due date listed on the mortgage statement I received on XXXX XXXX, I am concerned with the amount of the reinstatement fee ( 'corporate/expense advances ), I am concerned that the reinstatement fee is only a quote and that Carrington will add additional charges, I am concerned that the nonpayment of my mortgage was repeatedly reported to my credit -- all before registered correspondence was sent. Whether I had not received notice due to an error in Carrington 's part for a typo ( incorrect address ) or for some other unforeseen reason, the moment I learned of the problem, I tried to bring my loan current. As of yesterday morning, the 'Total Reinstatement Quote ' was sent through XXXX ; however, when I called to inquire on the account, I was told that it would take XXXX hours to reflect on my account in which case additional charges and notifications could accumulate ( even though Carrington has received the funds ). I am greatly concerned with Carrington Mortgage Services practices. I feel that Carrington should have contacted me through Registered mail long before my mortgage went into foreclosure. Especially considering the mailing address was different than the property address which should be the same. Had they insured that correspondence was reaching me, I would not have had to pay an additional {$1000.00} reinstatement " quote '' and my credit would not have been affected. In the least, I would like negative reporting to my credit to be erased. Additionally, from reading XXXX complaints, it looks as if the company has increased all mortgages bought from XXXX XXXX XXXX to cover 'deficits in escrow. Is it realistic that everyone 's escrow account was found to be deficient?
10/17/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Changes in loan terms during the application process
  • NJ
  • 080XX
Web
My family and I were removed from our home of 20+ years recently informed ; Filings appear under HUD as a conventional loan then another as a purchaser money first mortgage under XXXX and CMS . HUD confirms there is no loan associated with my name, address, or social security number in XXXX. 1. The company admits having two different addresses, two sets of loan documents, two of the same notices sent on the same day, under my name ; 2. Two loan transactions were submitted on two different dates appearing as my primary residence and another as an investment property ; 3. Correspondence states the file was inadvertently shredded 4. My property is appraised at {$400000.00} however filings show a value of {$800000.00} ; 5. The property search ran show wrong two different addresses, two different photos of the home, years the house was built, two counties, two loans, two appraisals, among numerous other duplications and incorrect information ; 6. Two statements for the same month with different amounts and other incorrect information ; 7. Escrow charges from the start throughout the life of the loan is 80-95 % lower than the actual amount owed per month ; 8. Escrow amounts recently provided show a monthly charge of around {$3200.00} for escrow alone with a yearly total of approx. {$34000.00} ; 9. Statement dates v. Due dates are days, months, or years different either prior to or after actual due dates ; 10. Coupons contradict above statements with incorrect information, addresses, YTD, payment history and amounts ; 11. ACH debits made on the first of the month in one amount not appear in accounting records until the XXXX of the same month shown in a different amount ; 12. XXXX claimed as being sent, to the wrong address, is entirely inaccurate showing the wrong mailing address, property address, mortgage execution date, past due amount, late fees, and other charges ; 13. Notice of intent claimed being sent while the account was current ; 14. There are two statements appearing for the same month with contradictory information ; 15. Duplicate fees on the same day, in the same month, 16. Allegations made by the company are entirely false whereas other third parties involved confirm communicating with me recently informed these same companies are now owned by the mortgage company ; 17. Amounts claimed being owed has recently been confirmed by the company who authenticated affidavits confirming the same ; 18. Mortgage recordings in the county are not the correct ones provided to me at closing ; 19. Numerous changes, added signatures, names, and information either crossed out or missing ; 20. POA filed with the county under my docket appears to be signed by several employees, VP, a corporate seal affixed, and notarized referencing a property in XXXX XXXX GEORGIA but I live in New Jersey, 21. Numerous requested information, filings, and other documentations claimed as never received have been discovered as being sent with confirmation in writing, 22. The company claims in writing have been assisting me in avoiding foreclosure since XXXX has been refuted by their own records confirming payments were made in excess of the actual amount owed per month ; 23. The default confirmed being improperly recorded was -not- by payments missed but shown after payments were returned by the company ; 24. A rescinded mortgage, among other federal disclosure documents claim to be not available since the prior servicer never provided such documents is false since Carrington Mortgage was the only company I communicated with from the very start.
04/16/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85339
Web
I have an account with the worst Mortgage Company in the World, Carrington Mortgage Company who obtained my Mortgage from XXXX XXXX XXXX in XX/XX/XXXX. When I was struggling and needed assistance, they played games, prevaricated, used trickery and deceit and pretended like they did not receive documentation that I sent to them and started foreclosing procedures on me in XX/XX/XXXX. I was able to get assistance from XXXX XXXX XXXX XXXX and they brought my loan current. Carrington agreed to accept the payments that brought my account current along with all fees associated with the delinquency at the time. I have been in constant turmoil with them regarding their *UNETHICAL BUSINESS PRACTICES* and have written numerous letters regarding such along with erroneous late fees, inspection fees, uncollected fees and any other unjustly fees that they have assessed me with. I sent letters to them approximately in XX/XX/XXXX. I tried paying over and beyond my Regular Payment to go towards my Principal Balance on numerous occasions and they would deny that and apply towards trumped up charges in an attempt to keep me form paying down my principal balance. My account has been current and in good standing and they have not reported this to the 3 Major Credit Bureaus, however when I was struggling and needed assistance like a Loan Modification, etc, they unjustly denied it and aggressivesly started FORECLOSURE along with expediting negative reporting on my credit. Now since I have been current for almost a year they have not aggressively reported any POSITIVE REPORTING, for example wth XXXX no current and positive reporting for 4 mos, XXXX no current and positive reporting since XX/XX/XXXX, and for XXXX no current and positive reporting since XX/XX/XXXX, 4 years which is absurd not to mention that this has damaged my credit as I am trying to refinance and get this loan away from them and they have sabotaged my every efforts. I tried to lower my escrow and this was a challenge and a disaster. I tried to have them remove PMI and they refused even though I have equity in my home. My Home Payment increased without an explanation as to why and a lady Representative spoke with my son in regards to my account releasing my confidential information without my persmission apprximately a year ago, She recited the Mini Miranda to him and he is not obligated to my debt, his name is not on my account nor has any authorization been given, thereof. They have violated the law and made numerous mistakes and have violated my rights not to mention failing to accurately and fairly report my positive credit, therefore damaging my credit worthiness. I believe that if this was a XXXX Woman she would have received better treatment than myself being of XXXX American descent. I believe that I have been dealt harsly with because of my Race, XXXX, XXXX, Age, XXXX and Gender and believe that I have been discriminated against because of the reasons stated above. I believe that my rights have been VIOLATED by Carrington Mortgage Services , LLC and instead of making excuses for their mistakes so that they won't be held accountable for them they have resulted to prevaricating, cover ups, deceit and trying to hide their errors. This matter have been going on for far too long and need to be rectified. They should be fined and sanctioned for the sloppy, unprofessional and unethical way that they have handled my account and the damages I've suffered with inaccuracies on my credit report which is damaging to my credit worthiness and it needs to be rectified expeditiously.
05/04/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • TX
  • 77382
Web
LOAN ORIGINATION SIGNED BY ME ONLY ON XXXX XXXX XXXX THROUGH XXXX XXXX XXXX TITLE SEARCH FOUND XXXX DEEDS OF TRUST FOR XXXX LOANS DATED XXXX XXXX XXXX THEN RELEASE OF XXXX LIEN ON XXXX XXXX XXXX BY XXXX XXXX XXXX THEN ON XXXX XXXX XXXX DOC XXXX RECORDED AT COUNTY STATING ASSIGNMENT OF DEED OF TRUST TO XXXX XXXX XXXX AS BACKED PASS THROUGH CERTIFICATES DOC XXXX REMOVAL OF TRUSTEE APPOINTMENT OF SUBSTITUTE TRUSTEE XXXX XXXX IN XXXX WITH A REFERENCE XXXX ALL ROBO SIGNED BY XXXX A XXXX VP DEFAULT SCRA FOR CARRINGTON MORTGAGE SERVICES LLC ATTORNEY IN FACT FOR XXXX XXXX XXXX AS TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX XXXX ASSET BACKED PASS THROUGH SECURITIES XXXX XXXX SENT A NOTICE OF SALE FOR MY PROPERTY IN XXXX XXXX WITH A SALE DATE OF XXXX XXXX XXXX BUT A COPY WAS NEVER MAILED TO ME I CALLED HER OFFICE WITH THE XXXX AND WAS INFORMED THEY HAVE NO RECORD OF THE TRACKING NUMBER MY NAME OR MY PROPERTY THE LETTER VANISHED FROM COUNTY CLERK RECORDS BUT AFTER I FOLLOWED AN ATTORNEYS ADVISE TO FILE CHAPTER XXXX BANKRUPTCY EXEMPTING MY HOME AND VEHICLES THE BANKRUPTCY WAS DISCHARGED ON XXXX XXXX XXXX BUT I STILL WAS NOT ABLE TO SET UP PAYMENTS WITH CARRINGTON MORTGAGE SERVICES SIX MONTHS AFTER THE DISCHARGE I DISCOVERED THE MORTGAGE HAD BEEN DISCHARGED IN THE BANKRUPTCY WITHOUT MY KNOWLEDGE OR MY ATTORNEYS KNOWLEDGE I CONTACTED XXXX TO GET DOCUMENTATION OF THE LOANS I WAS INFORMED BOTH LOANS WERE PAID IN FULL ON XXXX XXXX XXXX AND TRANSFERRED TO A NON MERS STATUSTO A SERVICER XXXX NONXXXX MEMBER I PULLED THE XXXX RECORDS AND FOUND XXXX LLC XXXX IS STILL LISTED AS THE INVESTOR AND SERVICER OF BOTH LOANS BUT IT ALSO SAYS UPDATE ON XXXX XXXX XXXX INTERIM FUNDING RELEASED BY XXXX A XXXX BANK XXXX THEN ON XXXX XXXX XXXX AN UPDATE STATING DEACTIVATION ASSIGNEE : NEW SERVICER XXXX XXXX XXXX WITH FORECLOSURE STATUS UPDATE ASSIGNER XXXX, THEN ON XXXX XXXX XXXX INTERIM FUNDING INTEREST RELEASE DATE WITH INTERIM FUNDER XXXX XXXX, THEN RELEASE FUNDER INTEREST, MIN STATUS ; TRANSFER TO NON-XXXX STATUS OLD INTERIM FUNDER XXXX ALLY BANK, THEN ON XXXX XXXX XXXX SECURITY INSTRUMENT DATA UPDATE ; ORIGINAL MORTGAGEE MERS ITS BEEN OVER A YEAR SINCE MY BANKRUPTCY DISCHARGE I GET A STTATEMENT FROM CARRINGTON EACH MONT WITH THE BALANCE DUE STATING PLEASE DISREGARD IF DISCHARGED FROM BANKRUPTCY I SENT THEM A QWR ABOUT 30 DAYS AGO AND RECEIVED BACK A PACKET FROM THEM STATING THAT MY ACCOUNT IS IN ACTIVE FORECLOSURE STATUS SINCE XXXX XXXX AND THAT THEY ARE DECLINING MY WRITTEN REQUST SEEKING DOCUMENTATION THAT IS NOT AVAILABLE THROUGH VERIFICATION OF DEBT UNDER 15 USC 1692G AND THAT IF I HAVE BEEN DISHARGED FROM BANKRUPTCY IT IS NOT AN ATTEMPT TO COLLECT A DEBT ONLY INFORMAYIONAL THEY ATTACHED A SPREADSHHET OF MY PAYMENTS TO THE LOAN SINCE XX/XX/XXXX WITH COPIES OF DOCUMENTS THAT I HAD NEVER SEEN BEFORE THAT WERE NEVER FILED WITH COUNTY RECORDS PAGE XXXX SAYS CONFIDENTIAL XXXX LOAN NUMBER XXXX INVESTOR LOAN NUMBER XXXX THEN ALLONGE FOR THE PURPOSE OF ENDORSEMENT HIS ALLONGE TO NOTE IS MADE THIS XXXX XXXX XXXX TO THAT CERTAIN NOTE DATED XXXX XXXX XXXX IN THE AMOUNT OF FROM AND IS INCORPORATED INTO AND SHALL BE DEEMED TO AMEND AND SUPPLEMENT THE NOTE AGREEMENT THEN PAY TO THE ORDER OF XXXX WITHOUT RECOURSE XXXX OF XXXX A XXXX CORPORATION ROBO SIGNED BY XXXX XXXX ASSISTANT SECRETARY WITH THIS ALSO CAME A COPY OF A BALLOON NOTE NOT FILED WITH COUNTY OR GIVEN TO ME AS WELL AS A COPY OF AN ASSIGNMENT OF MORTGAGE TO XXXX XXXX XXXX XXXX IN XXXX ON XXXX XXXX XXXX FILED IN THE COUNTY COURT RECORDS OF XXXX XXXX XXXX WITH THE LOAN NUMBER BLACKED OUT
10/27/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 163XX
Web
I am behind on my mortgage payments and have been trying to get a modification or repayment plan with Carrington Mortgage for the past five months or so. They keep saying I need to send in the same paperwork over and over again. My boyfriend has been laid off from his job for many months and is on unemployment. They keep telling me they need his last 30 days of pay stubs, and when I tell them he has been on unemployment they say it 's okay to just send in his unemployment award letter and his unemployment payment history. I have done that over and over. My file finally went into underwriting this past month, after getting denied three times, but then it was out of underwriting because they are again telling me they need pay stubs. I sent in his employment history again showing that he has been receiving benefits every week. So now the status on my modification is once again incomplete package. This is getting ridiculous. I have currently been in touch with a lawyer who is going to try to work out a payment plan with the lawyer they have for my foreclosure but I have not heard anything from him about what 's going on. I have about 85 % of the payments that are due and would just like to get something worked out quickly. I have proof of every document I have sent them because I upload them to their website and then I take screen shots showing that they were uploaded. I had one guy one the phone once tell me that documents were n't received and I said I uploaded them the other day and he said, well, we ca n't always see those and I need to fax stuff. I ca n't always fax because with all the resending in of the same stuff that would end up costing me a fortune and we are a XXXX car household so I ca n't always get into town to do it. I have been in touch with H.O.P.E also and that has not helped me at all. The lady told me all she could do is be on the phone with them when I talk to the company, which she was, and they told her I could send this and that in and it would be sufficient, but when I sent it in they said that was n't good enough. So then I sent in other documentation and more documentation. I was hopeful when I saw it went into underwriting but then when it came back out as incomplete I was pretty upset. I have done everything that has been asked of me, over and over and over again. I would really like to get something worked out so that I can stay in my house. If I can get something worked out there would be no problem keeping up with payments in the future but they are n't giving me the chance to try. They have n't been accepting my payments for months and months and I have a lot of money waiting to send to them. They needed proof of occupancy from my boyfriend, which I sent in, and that was not good enough. They needed his unemployment history which I sent in and was not good enough, even though it was the exact documents I was told to send in. I got denied the first time because I did n't sign one paper I sent in. I was not told that I needed to sign my profit/loss statement, so I did not and was denied. So I signed it and sent that in, along with everything else all over again, and they still always had reasons why I was denied or saying they needed more stuff. Over the course of this, I have probably sent them XXXX documents, many of them the same ones, and they still are not happy with what I send them. I am really trying here to get this figured out and they are making it impossible. Since all of the calls are recorded it should be easy to go back and see how much they are giving me the runaround.
04/26/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 331XX
Web
Our firm, XXXX XXXX, was hired by the Borrowers to investigate possible errors committed by their mortgage servicers, previously XXXX and now Carrington Mortgage Services. The Borrowers were approved for a loan modification XX/XX/XXXX that brought their payments down to {$1300.00}. The modification agreement stated all past due amounts including taxes, insurance, and any other fees past due, would be added to the unpaid principal balance. Less than 3 months later, the Borrowers were sent a notice informing them their monthly payment was increasing to {$1600.00} effective XX/XX/XXXX due to an escrow shortage. If the past due taxes and insurance were capitalized into the new principal balance amount as the modification agreement stated, there should not have been an escrow shortage and there should not have been that significant of an increase in their monthly payment. After receiving the notice of payment increase, the Borrowers contacted XXXX several times over a short period of time to determine the precise amount of their escrow deficiency so that they could pay the amount and lower their payment back to what it was supposed to be according to the modification agreement. Each time they spoke to someone at XXXX they were given a different figure amount that needed to be paid with no explanation as to why the amount was fluctuating. Due to their ongoing frustration, they hired our firm to investigate what they actually owed and why their payment had increased shortly after they modified their loan. We hired a forensic accountant to analyze the modification and the loan 's transaction history. In said analysis, it was determined XXXX never capitalized any amounts other than past due interest into the post modification principal balance, which was the cause of the large escrow deficiency and improper payment increase. Moreover, the transaction history showed XXXX did attempt to correct its error by posting a payment to the account that was then credited to the corporate advance and escrow balances in an attempt to bring the payment back to what it should have been. However, XXXX failed to perform an updated escrow analysis after posting said credit/ payment and the account was still inaccurately showing the increased payment amount as due every month. Throughout this process, the client continued to make the modified payment amount each month, which was being placed into suspense each month and led to XXXX charging excessive late fees monthly. Additionally, XXXX finally performed another Escrow Analysis that found the Borrower 's escrow account actually contained a surplus however, they refused to disburse the funds due to the delinquency of the account, which was caused by their failure to properly process the modification and conduct an updated escrow analysis in the first place. The most recent escrow analysis conducted by XXXX was dated XX/XX/XXXX and states the monthly mortgage payment for the last year was {$1300.00} however ; XXXX was claiming the Borrowers owed {$1600.00} on the monthly mortgage statements. Then, conveniently the loan was transferred to a new servicer, Carrington Mortgage Services, who is now attempting to claim the Borrowers owe several months of back payments for the inaccurate amount of {$1600.00}. When the issue was presented to Carrinton, they claimed there was nothing that could be done because it was the past servicer 's records. And when XXXX was notified of its errors, it claimed there was nothing that could be done since the servicing rights have been transferred to Carrington.
09/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • LA
  • 70068
Web
1 ) Carrington Mortgage Servicing did not agree with the Foreclosure Moratorium to protect Consumers ; therefore Carrington Mortgage Servicing violated the foreclosure moratorium issued by the Federal Housing Administration ( FHA ). This moratorium was issued to protect Consumers against foreclosure. The Louisiana Civil Court of Orleans Parish signed an order of dismissal, declaring that case 2012-2428 was abandoned by law on XX/XX/XXXX. ( Before the pandemic ) There have been no Pleading in the case Since XX/XX/XXXX. Carrington reinstated the foreclosure Case violating the law. ( To Circumvent the Federal Laws that Govern Lenders, Carrington Mortgage Servicing conduct certain business in the name of the Trustee ( XXXX XXXX ) Foreclosing remains a Servicing Activity as defined by the code. 2 ) Carrington Mortgage Servicing purchased the servicing rights of many loans originated by the now bankrupt and dissolved XXXX XXXX XXXX XXXX in XXXX ; Despite paying over XXXX XXXX for the servicing, many of the were not in compliance of federal law ; 3 ) Carrington Mortgage Servicing Violated the code Notice of Error a major part of servicing is collecting the correct amount of principal and interest pursuant to the loan terms and conditions. The borrower asserted via a Qualified Written Request and Notice of Error title errors that rendered the promissory note and mortgage security instrument non enforceable by law. a. Carrington Mortgage Servicing failed to acknowledge in writing the receipt of a Notice of Error within five days ( This is a servicing activity ) b. Carrington Mortgage Servicing filed a Title Claim Against XXXX XXXX XXXX XXXX without giving notice to any parties involved. The Title Insurance Policy was paid for by the Consumer ( This is a servicing activity ) c. Carrington Mortgage Servicing attempted to Circumvent the Federal Laws that Govern Federally Related Lenders by using the trustees name and hire lawyers to file pleadings in the name of the trustee. The Servicer duties and responsibilities can not be delegate certain activities to the owner of the note. This is a VIOLATION OF THE LAW : 4 ) Carrington Mortgage Servicing hired a debt collection Company to file a foreclosure lawsuit without an enforceable promissory note and mortgage security instrument. The property owner never signed a promissory note or mortgage ; There is no confession of judgement or Pledge of a security by the sole owner of the property ; a. Carrington Mortgage Servicing received a request to validate the debt as being enforceable ; b. Carrington Mortgage Servicing never investigated or responded ; cXXXX XXXX XXXX ( debt collector ) received a request to validate the debt ; d. XXXX XXXX ( debt collector ) violated the FDCP Act by pretended that the debt was enforceable and never responded to the request ; e. XXXX XXXX ( debt collector ) violated the FDCP Act by not investigating or responding to the request as required by law. 5 ) Carrington Mortgage Servicing has violated the statue of limitation imposed on Federally Related Mortgages with respect to Settlement Procedures, originations actions, a. Carrington Mortgage Servicing has file multiple lawsuits against the consumer, foreclosure lawsuit and reformation lawsuit at the same time to run up legal cost. b. Carrington Mortgage Servicing know that the statute of limitation ( XXXX ) has lapsed to make changes to the mortgage security instrument. c. Carrington Mortgage Servicing has decided to litigate Federal Matters in Civil Court to avoid RESPA rules and regulations ;
05/30/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • XXXXX
Web
This complaint is in regard to my mortgage company Carrington Mortgage Services , LLC refusing to apply payments that I received from the Florida Homeowner Assistant Fund Program ( HAF ). Carrington has agreed with HAF to apply monthly payments to my mortgage account. I received a letter from the Florida Department of Economic Opportunity via email on XXXX XXXX. The letter stated that I was granted monthly assistance for my mortgage payments of {$720.00} to help put me back on track. Also, to help keep my payments up-to-date for the next 6 months starting XX/XX/XXXX, to be paid directly to Carrington Mortgage Services , LLC . I was also granted a lump sum payment of {$3800.00} to take care of my past due amounts to bring my loan current again. To the best of my knowledge, payments were applied correctly to my mortgage account, and my account status is current. As today, my next payment is scheduled for XX/XX/XXXX. The reason I am bringing this to your attention is due to the last payment I have received from the HAF program that was sent XX/XX/XXXX, was not applied to my monthly payment, instead it was applied to the principal. I have experienced this same situation in XXXX and XXXX and have successfully contacted Carrington Mortgage customer service department to ask the representative to reverse the payment from principal and apply the payment to the mortgage payment. When I noticed that this happened again in XXXX, I called customer service the same manner as I did in the past, and requested for the payment to be reversed and applied to the payment that is due XX/XX/XXXX, so my next payment would be due XX/XX/XXXX. I was denied this request by XXXX XXXX in late-stage collections. She read to me a letter that she stated that she received the letter from the HAF program that gave specific instructions to apply payments to the principal if anything was left over. I called the HAF department and spoke with a representative by the name of XXXX on a three-way call with XXXX with Carrington XXXX XXXX spoke directly to XXXX and advised her that the instructions that she stated she received is a false statement. It is in fact a direct violation of the federal guidelines and the State of Florida that Carrington has agreed to uphold. On XX/XX/XXXX, I sent an email to XXXX to send me a copy of the letter of the special instructions. I have not received a copy of that letter to this date. I decided to try to call Carrington one more time today, before filing this complaint to see if there were any changes made that I was not informed. I spoke with customer service representative XXXX XXXX on XX/XX/XXXX at XXXX XXXX. I explained my situation and then she escalated me to her supervisor in the escalation department by the name of XXXX XXXX. XXXX has reiterated to me that there is a special letter sent by the HAF program to apply any overages to the principal. I asked XXXX to transfer me to her supervisor or someone that is enforcing this rule, but instead she stated she has submitted another request to reverse the funds, and she will follow up with me on XX/XX/XXXX. I no longer trust this process, and I feel like my funds are not being handled in the manner that has been agreed upon. I am respectfully asking for your assistance to help resolve this matter as quickly as possible. I have attached all correspondences I have received and sent in regard to this matter. I hope this documentation will help answer some questions you may have, if not, please reach out to me directly for more information.
03/30/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30310
Web
On XX/XX/XXXX, at the XXXX XXXX for United States Bankruptcy Court, XXXX XXXX XXXX XXXX, Defendants Motion For Relief of Automatic Stay for ( Carrington Mortgage Servicing, LLC ) Defendant / XXXX Attorneys Motion for Relief of Automatic Stay was Denied by the Honorable Judge XXXX XXXX XXXX During the hearing, XXXX XXXX XXXX XXXX XXXX cross-examined XXXX expert witness XXXX XXXX. XXXX XXXX testimony under oath, stated XXXX XXXX XXXX - Debtor requested in XX/XX/XXXX to stop sending monthly mortgage statements or ( cease & decease ) to Plaintiff XXXX XXXX XXXX. Plaintiff received the last monthly statement XX/XX/XXXX ( Exhibit # XXXX ) and has not received a monthly statement since that time. On or about XX/XX/XXXX ; After the evidentiary hearing, XXXX XXXX XXXX XXXX XXXX requested that XXXXXXXX XXXX XXXX XXXX XXXX / Correspondence Department to produce the alleged document that shows or indicate that Plaintiff requested this alleged cease and desist of the submission of monthly statements from Carrington Mortgage Servicing llc, in XX/XX/XXXX. ( See Exhibit # XXXX ) Plaintiff states that NO request was made by XXXX XXXX XXXX to Carrington Mortgage Servicing, llc. to cease and desist the issuance of a monthly mortgage statement XX/XX/XXXX, Carrington Mortgage Servicing llc, provided their correspondence response that clearly states no PHONE CALLS & clearly states that all communication / correspondence during debt validation should MUST be done by mail and that phone calls would be considered harassment. XXXX XXXX servicer, Carrington Mortgage Servicing llc, response to plaintiff 's written request, ( see Exhibit # XXXX ) Stated that while debtors validation request was being processed, states that ALL communication during the validation process should be done by USPS mail ( see Exhibit # XXXX ) and no phone calls during the validation process or it will be considered harassment. XXXX XXXX servicer, Carrington Mortgage Servicing llc, response to plaintiff 's written request, XXXX XXXX XXXX XXXX XXXX department interpretation due to bankruptcy, is ALL communication including monthly mortgage statements should cease & desist, which is incorrect. However, during the past two years XXXX XXXX XXXX provider has frequently sent correspondence continuously since XX/XX/XXXX ( see Exhibit XXXX ), but has failed to issue a monthly mortgage statement. On XX/XX/XXXX Plaintiff sent a letter ( see exhibit # 5 ) demanding XXXX 's mortgage servicing company to provide a monthly statement as soon as possible, with up-to-date information as it relates to the account transaction activities. In which XXXX XXXX XXXXXXXX has failed to respond. As of XX/XX/XXXX, Plaintiff has paid & completed claim with Trustees pre-petition arrearage and has been discharged by the Bankruptcy courts. Plaintiff is current monthly payments due to XXXX XXXX servicer. Plaintiff alleges that XXXX XXXX XXXX, representative, Carrington Mortgage Services LLC., has failed to provide an accurate account of the monthly statements and payments. Plaintiff alleges with NO PROOF of an account excluding Bankruptcy documents, XXXX Mortgage XXXX Carrington Mortgage Servicing LLC, Failure to provide monthly statements made it very difficult to almost impossible for Plaintiff to apply and or receive help from government agencies and or non-profit organizations during the Covid 19 Pandemic. Plaintiff alleges that Defendant, representative, Carrington Mortgage Services LLC., has unfair business practices of reporting false information.
03/22/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 78251
Web
To whom this may concern. My name is XXXX XXXX. I am XXXX XXXX XXXX, proudly serving my country. I am appalled and terrified that Carrington Mortgage is purposely steering my mortgage into foreclosure for their own monetary gain. When the banks were bailed out in XX/XX/XXXX, Carrington Mortgage received XXXX in bailout funds ; part of that bailout was to help struggling homeowners, especially those that have served their country. Now through months and months, submitting and resubmitting paperwork numerous times, they refuse to help and have mismanaged servicing my mortgage over & over. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' My mortgage was transferred from XXXX to Carrington in XXXX, XXXX and has been a nightmare since then attempting to work out something to lower my payments from $ XXXX./ mo. with an interest rate of 7 %. My income has decreased significantly since leaving the military but this whole thing could be resolved with a simple loan modification of the extremely high interest rate. Mortgage modification is a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower ( i.e. mortgagee and mortgagor ). In general, any loan can be modified, and the general process is referred to as loan modification or debt rescheduling. At one point I was told that if I paid {$3000.00}, they would reinstate the mortgage ; 2 weeks later that number had jumped to {$9000.00}, including late and legal fees. Although I was assigned someone to handle my file I could seemingly never talk to the same person twice. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why was n't I assigned a single point of contact to assist me in saving my home? Not only have I undergone multiple submissions of documentation, countless phone calls with no return calls but have been spoken to rudely by people in their collection dept. Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - Carrington Mortgage has been very rude and somewhat threatening when communicating with me regarding my mortgage. I do n't understand why Carrington Mortgage feels the need to talk down to me or treat me so poorly. They treat me like a deadbeat and have no sympathy towards my hardship. It appears, without a doubt, Carrington Mortgage has violated numerous servicing laws set up to protect mortgagers under the Wall St. Reform & Consumer Protection Act. Owning a house used to be part of an American dream, thanks to the mismanagement, mishandling and servicing of my mortgage, Carrington Mortgage has made this more like an American nightmare. I have done the right thing by my country and want Carrington to do the right thing by me and help me put this back on track so my family and I can get our lives together and have a mortgage payment that is affordable with an interest rate that is fair. Please help us. XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX
02/18/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94401
Web
I was a previous customer of XXXX XXXX XXXX XXXX ), and my mortgage was sold to Carrington Mortgage Services ( Carrington ) in XX/XX/XXXX. I recently learned that there is a unrecognized transaction for {$2200.00} on XX/XX/XXXX from my escrow account with CarringtoXXXX. The transaction was denoted inconsistently as NOT USED or Hazard Insurance Disbursement ( see attachment ) in different documents. Despite the inconsistency, the amount just disappeared from my escrow account. I contacted Carrington about the transaction, and they simply said the transaction was a bill from my previous mortgage service provider XXXX. I tried to contact XXXX multiple times, and was finally successfully learning from them after weeks of attempts and the help from XXXX XXXX XXXX. However, the XXXX representative said they have nothing to do with the transaction, and the transaction was for either city tax or homeowner insurance. Their explanation that the transaction was for tax or insurance is definitely far from the truth, as there is another city tax disbursement on the same month ( XX/XX/XXXX ) and insurance disbursment on XX/XX/XXXX ( see attachment ). I am also very confused about the contradicting comment if the transaction was a bill from XXXX ( based on Carrington representative ) or not ( based on XXXX ). The entire process for chasing the truth is also painful. I reached out to both XXXX and Carrington customer service multiple times over the past months to inquire about this transaction. Many times my attempts were met with unhelpful and rude representatives. They have refused to provide any further information about the transaction and refused to look into the details. They threw out some random explanations without any verification and consistently redirected me to other departments or companies, without addressing my concerns directly. Even after I have contacted XXXX XXXX XXXX, their agents still pointing fingers to me or the other company and provide inconsistent information ( whether the transaction was for billing from XXXX or not ). I understand each side ( XXXX or Carrington ) might not have full visibility to the transactions as my mortgage service has been transferred to Carrington. However, obviously there is something falling through cracks and the transition information has so many mismatches and gaps. I believe it's the responsibility of XXXX and Carrington to make sure the transition goes smoothly. I am very disappointed that I am the person to stitch shattered information to get the transition back on track, instead of XXXX and Carrington. I am also very disappointed and surprised about how little support I got and how much misinformation I continue to learn from both XXXX and Carrington, when I take the initiative to get the transition back on track. I am deeply concerned about this matter and feel that the transaction could be a potential case of fraud. I will be very appreciated that you investigate this matter and take appropriate action to ensure that my account and personal information are secure. I request that XXXX and Carrington to sort out the transition, and compensate me for the transaction and any incurred interests ( if that's proved an error ), as well as my time spent in tracking this matter. I also request that XXXX and Carrington customer service representatives receive better training in how to handle customer complaints, as the unprofessional and dismissive manner in which they have treated me is unacceptable. Thank you for your help.
03/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33611
Web
I recently submitted a complaint about XXXX XXXX XXXX. Although I don't agree with their response, they gave me some more information to direct me towards Carrington Mortgage Services. As per my conversation with Carrington customer rep XXXX on XXXX she informed me that Carrington acquired the property at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX on XXXX. She also gave me two different foreclosure dates XXXX and also XXXX which neither is correct. She then transferred me to her supervisor which inturn emailed someone to return my call. on XXXX I got a call from XXXX XXXX from Carrington Property Services department. He advised me that therewas no attorney on this case. he also advised me that the property was declared vacant by a realtor named XXXX XXXX by XXXX XXXX. My complaint is that the house was not vacant, I was out of town working I have documentation from all utility companys and USPS that I resided at the property. so basically they just broke in and threw all my belongings out. I also talked to a XXXX at Carrington she told me that cleanouts are outsourced and had no record of who did it she also told me she had pictures of what was supposedly left there it was a few paint cans, a leather couch, and some old TV 's. I dispute that also, I had all kind of tools, clothes, and a lot of other things in the said property. the dumpster was provided by XXXX XXXX in XXXX pa for the clean out. I'm in the process of acquiring the weight of the roll off dumpster to confirm all my personal belongings were thrown out. Another big issue I have was that I was never served with a registered letter to vacate the property, I even contacted the XXXX County Sheriffs office to see if they had any eviction paperwork. They advised me that they did not and said to stay in the property until I was served with eviction paperwork from them. Like I stated earlier I was out of state working, my parents live two houses over and called me to tell me they were throwing my stuff away. My father went over to confront the people, a heavy set woman was sitting on the hood of a dark XXXX XXXX screaming at him that she owned the property and to get the XXXX off of it. that's when he left and called me again. I tried to contact XXXX XXXX XXXX with no avail. I also tried to contact XXXX XXXX she was the realtor that had the property listed, evenbefore it was cleaned out, i left her several voicemails and she never returned my call. Also there is a first mortgage holder that was never paid that's why this property was not foreclosed on in the prior 10 years. It went to foreclosure 5 other times but the mortgage company pulled the foreclosure the day before the said date. leading to me to believe there was a problem with the title and we both feel that the property still should belong to him. I feel that I have a potential lawsuit against XXXX XXXX at XXXX XXXX and Carrington Mortgage for what they did to me. I lived in the neighborhood all my life and I'm sure the neighbors would be more than willing to come testify in court that I was living on the property up until the time they broke in and threw my stuff away. Quite a few of them cant believe this happened either. Hopefully we can resolve this matter before I have to hire an Attorney, I have spoken to several now. This is not the proper procedure in a foreclosure. I expect to be compensated for all my and my childrens personal belongings that have been thrown away in this improper procedures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX XXXX
04/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60804
Web
On XX/XX/XXXX I made a payment through my bank to the mortgage company in the amount of {$1500.00}. However, other payments hit my account before this transaction cleared, therefore, charges were declined. On XX/XX/XXXX I saw the amount of {$1500.00} credited back to my account which showed an increase on my balance for that amount. I did not receive notification that a second attempt was going to be made by merchant or bank for this payment to go through. On XX/XX/XXXX, I logged back to my online banking and did a bill pay directly from my bank to the mortgage company. The morning of XX/XX/XXXX, I noticed 2 transactions posted on my bank account each in the amount of {$1500.00}. I called my bank and was told that a first transaction had been denied due to insufficient funds, therefore, the bank automatically attempts payment again when funds area available. There was never communication made to me, the customer, so that I would not attempt to make another payment to prevent double charges. I was instructed by my bank that these have already gone to the merchant and I would need to speak with them to get reimbursed. I called the mortgage company and explained my situation. I informed them of the incident, however, the mortgage company stated they could not reimburse me for the extra payment. I informed them I have other payments that needed to be made with the amount charged, and was told there is nothing they could do. I asked to speak with a manager and was transferred to an individual who stated " I understand you are trying to get reimbursed for a payment that YOU made by mistake ''. The tone utilized by this individual and comment made was uncalled for and was NOT my mistake. This was due to lack of communication by the bank institution. I shared with this individual the entire issue that took place and she stated they could not reimburse me. I would have to call my bank and obtain a letter with information, then send back to them and they will then investigate and see if I could get reimbursed. I dont understand why we can not get reimbursed for a payment that is not due until the month of XXXX. XXXX payments were received and details shared with both parties and non are able to assist. The bank stated I would have to wait for the transaction to hit so they may dispute, but if merchant has sufficient information, I may not get the funds back. What sufficient information? This was due to the lack of communication to customers by the bank..The mortgage company is aware that this was a duplicate charge and not willing to accommodate with reimbursement. I am not behind on my mortgage and do not understand their unwillingness to help. We are all going through very difficult times and giving extra money unnecessarily creates a burden to us. Now I am left struggling financially and have to make the decision of falling behind on my light and gas bill ( which I have a payment installment with and if not paid will default and have to pay the entire balance or get my lights disconnected ) or feed my children. I think this is unfair and needs to be reviewed due to lack of communication resources/alerts from the bank and the mortgage company for not assisting the customer to try to resolve on their end. I have attached a screenshot of the transactions I am referring too. You may see the first transaction made on XX/XX/XXXX and the credit made on XX/XX/XXXX. Then the duplicate transaction on XX/XX/XXXX ( the one made by the bank and the one I entered through Bill pay )
06/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 130XX
Web
XX/XX/XXXX Hello, I am writing about a dispute I have on my credit report. This issue is complicated, so I am glad to have access to this department. I am in New York XXXX. My mortgage was transferred from XXXX XXXX XXXX to Carrington in XXXX. I have had this account for over XXXX payments and have never been late. I have also never been late on any payment, for the life of my credit history. I have XXXX mortgages and over XXXX in available credit and XXXX debt ( except student loans and mortgages ). I have a perfect credit score, which is intentional. I am a real estate investor, and my business depends on qualifying for commercial lending. The property with a lean through Carrington at XXXX XXXX XXXX XXXX NY XXXX is a duplex rental property. It was purchased by me, XXXX XXXX XXXX in XXXX. My ex-husband was on the deed. We divorced in XXXX and we did a quit claim deed. The deed was transferred to me. Despite providing this document to Carrington several times, Carrington has not removed him. In XXXX, I opened my real estate business, XXXX XXXX XXXX. XXXX # XXXX. The deed for this property was transferred to the business. Again, the company did not change the deed despite providing proper proof of deed transfer. The property is not owned by XXXX XXXX, XXXX XXXX or XXXX XXXX. It is owned by XXXX XXXX, XXXX. I can provide the deed for proof if necessary. In XX/XX/XXXX, I hired my first employee for XXXX XXXX. XXXX XXXX was hired as property XXXX. His date of hire was XX/XX/XXXX. His job description is to manage properties and take care of day-to-day operations of business. He needed to be added as an authorized user to my recurring debt accounts, in order to take care of day-to-day business operations. Unrelated to this business change, I have been displeased with my business banking at XXXX XXXX XXXX XXXX for quite some time. My accountant has suggested XXXX XXXX, which is has a reputation for a less cumbersome commercial lending process, which is highly necessary in New York XXXX. I decided that since I was calling my creditors and adding an authorized user anyways, this would be a good time to switch bank accounts. It seemed like the perfect time. I switched from XXXX XXXX XXXX XXXX to XXXX Bank XX/XX/XXXX. I delegated the responsibilities of Carrington Mortgage payments to XXXX XXXX. As the company can see, there were XXXX attempts from employee to pay from XXXX XXXX XXXX and XXXX attempts from new XXXX Bank prior to the 30 day period. No one from Carrington contacted myself or my employee before damaging my personal credit report. Carrington send a 30 day past due delinquent alert to the credit bureaus. I am in the process of commercial loan, partnering with two other businesses. This is a large project and many are relying on funding that I am securing through this new bank. My personal perfect credit score is necessary to secure funding. This negative report from Carrington has caused a ripple affect to many others. I am looking to have this inaccurate derogatory comment removed from my credit report. Please contact me at your earliest convenience. I am eager to have this issue resolved. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX company had 30 days to respond to this dispute. They never contacted me. They did not meet requirements for fair credit reporting by ignoring my dispute. They did not respond to me by phone call or by mail in the required amount of time. This remark needs to be removed from my account.
05/04/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 20906
Web
I have recently been denied a Short Sale via my lender for the second time and I have many questions about this process as I feel my lender ( Carrington Mortgage ) has not been fully transparent and cooperative on my behalf. On XXXX XXXX, XXXX, I received a letter stating that my Short Sale request was denied and that I should contact XXXX to inquire. I contacted XXXX yesterday evening and the representative I spoke with stated that my request was denied because I did not have a " negative '' on my monthly expenses in relation to my income and that I needed to contact my lender about re-applying again. Although I thought this was a somewhat strange reason for a denial, I contacted Carrington to express my concerns and to find out what other options I had. The first Carrington representative I spoke with stated that based on what she could determine from my account, it appeared that the RMA package was incomplete and that I should resubmit everything AGAIN to Carrington and that it would go directly to Short Sale Dept. and not the waterfall process. I asked her when would this be due as I needed time to resubmit the paperwork again and she placed me on hold to find out. After being on hold for about 10 minutes, someone from the Short Sale Dept. spoke to me and stated that my XXXX credit score was too high and it should be under XXXX to be eligible for a Short Sale. I was totally floored because for the past 5 months, I have been told numerous stories about the status of my SS application. The reason I was denied the first time for a Short Sale was because I was informed 1 ) my XXXX score was too high and my mortgage payments were up to date and that I needed to show hardship in paying the mortgage and that 2 ) I needed to vacate the property and rent elsewhere to show further hardship. My husband is XXXX which is the reason we needed to move from our prior garden style condo which has no elevator on the property and he could no longer continue climbing the stairs due to his deteriorating health condition. When we were denied in XXXX XXXX, we decided to do what we were instructed to do by Carrington and XXXX and vacate our property to rent elsewhere and we stopped mortgage payments. Now, my application has once again been denied after being told by Carrington that everthing was still in the Underwriting Dept. for the past few months. We feel now that we are being FORCED INTO FORECLOSURE as we have no other options since the property has been vacant since XXXX XXXX, XXXX. I have had a real estate agent and an investor who was interested in the property via Short Sale. We are confused as to what to do because of so many conflicting stories by both Carrington and XXXX : XXXX score being too high, no negative for my monthly expenses on my Short Sale application, or something being forgotten on my RMA and to resubmit the entire package again to Carrington to the Short Sale Dept. Can someone please tell me what it is I am supposed to do at this point to AVOID FORECLOSURE? I do not want Home Retention as my husband and I can not return there to live on the property and I can not pay rent in my current place and a mortgage. We are prepared to seek legal counsel to assist us in the event we are being forced into foreclosure because I have done my due diligence for the past year in attempting to appy for the Short Sale process - TWICE and have been provided conflicting guidance from Carrington and XXXX. Please advise as to next steps regarding my account.
10/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NC
  • 28037
Web
O n X/XX/17 Carrington sent our closing attorney a payoff amount for the payoff of our mortgage loan related to the selling of our home. The closing date was XX/XX/XXXX and the payoff was documented as good through XX/XX/XXXX. On XX/XX/XXXX the attorney wired the funds to XXXX and on XX/XX/XXXX XXXX contacted the attorney and said the payoff was rejected but would not state why. I called XXXX multiple times that week, spending upwards of 10 hours cumulative on hold, asking for supervisors, trying to get answers to resolve the matter. I was told three different reasons why the payoff was rejected : 1 ) was not exact amount/too much 2 ) was not exact amount/too short ( by various dollar amounts ) 3 ) was not submitted on time ( despite providing receipt of wire payment with date and time ). We gave XXXX written authorization prior to XX/XX/XXXX to communicate with our attorney indefinitely, yet from XX/XX/XXXX onward they refused to communicate with our attorney. Finally, on XX/XX/XXXX I was able to get everyone on the phone together ( attorney, me and XXXX ) to get a resolution. It took three hours that day alone. On that conference call, XXXX admitted they " made a mistake '', crediting us {$5500.00} for funds our previous mortgage company ( XXXX ) gave them to honor a credit they owed us related to our FHA loan status, that XXXX had held as a " suspense balance '' since they purchased our mortgage from XXXX. As an aside, I do n't see how this is a mistake as it is our credit either way, but XXXX says they have to send the {$5500.00} back to XXXX and we owe them the payoff amount they quoted on XX/XX/XXXX PLUS {$5500.00}. XXXX told us that even though it was their mistake, they will not accept any payoff other than what they now say we owe, which includes late payment fees and additional interest due to the consistent errors from XXXX. They admittedly refuse to honor their first payoff quoted in writing on XX/XX/XXXX. Our funds are still with our attorney and he is ready, willing and able to re-wire the funds necessary to pay off our mortgage loan with XXXX as reflected by the payoff statement good through XX/XX/XXXX as issued on XX/XX/XXXX. XXXX has been harassing me and my husband with debt collection calls while we are at work since XX/XX/XXXX, but yet they refuse to accept the payoff they quoted us. We have enlisted the help of the title insurance company, XXXX XXXX, who sent XXXX a letter on XX/XX/XXXX stating all the above, and giving them 10 days to respond. On the tenth day, XX/XX/XXXX, they responded to XXXX XXXX saying they could not communicate with them about our account because " they were a third party. '' So again, my husband and I filled out the form to allow them to communicate with XXXX XXXX indefinitely. No one has heard anything else from XXXX - neither the attorney nor the title insurance company - on the matter. They do continue to call us to " attempt to collect a debt '' and are very rude and disruptive to both me and my husband while at work. We also received a Notice of Intent to Foreclose, our credit has been negatively effected ( down 100 points in one day ) and XXXX refuses to respond to anyone. Ironically, on their Notice of Intent to Close, it shows where they are crediting us ( rightfully so ) the {$5500.00} and they, in writing, OWE US {$2800.00}. But yet they continue with foreclosure proceedings without any communication to us, our closing attorney, or the title insurance company.
08/13/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 01844
Web
I am writing on behalf of my father who I am the POA for him. On XX/XX/2010, he ( we ) closed on our home. For approximately 2 and 1/2 years we paid our mortgage diligently and on time. Which was around $ XXXX. About 2 years and some, we received a letter from XXXX XXXX XXXX ( became our lender after XXXX XXXX who was the original owner of the loan ) stating that we had to come up with an additional $ XXXX. As our home magically grew legs and positioned itself in a flood zone. There was no way we had that extra money and it was fraudulent placed on us as we continually complain to them that we were not and had never been in a flood zone. We continued to make our regular mortgage payments of {$2500.00} monthly in which they would say they were holding on to it because it was not the complete mortgage amount which they insisted was now approx. $ XXXX. They would continually send us the same paperwork noting the above and at some point they started to send us back our mortgage payments and were told that they weren't going to accept any other payments then what they stated was {$2900.00} with the additional flood insurance cost they were billing us. I researched and got in touch with as many agencies that could assist me in getting to the bottom issue of flood insurance forcibly placed on us. I contacted HUD and complained about the situation we were going through. They went so far as to file a complaint with XXXX and sent me copies of Maps outlining the home proving that we were NOT in a flood zone. At one point we hired XXXX XXXX XXXX who drafted letters to XXXX explaining the above and expressing to them that we would not file legal resources in this matteras we were only asking for the mortgage amount that it was supposed to be minus all their interest and fees and for the original arrears to be added to the end of the mortgage loan. They refused to even contact the attorney back. During this time my father was diagnosed with XXXX that I know was exacerbated because of his fear of loosing the home. During this mess I was diagnosed with XXXX and going through XXXX and XXXX which all put additional strains on us. At one point the bank finally admitted to their error however worded as Congratulations you are no longer in a flood zone! I wanted to scream and yell at them that we NEVER were. They refused to approve any loan modifications always with different excuses that they were missing this or that or that we had to initiate the process again. Then we received what I like to call XXXX 's promise. We received a notification from an attorneys office stating that XXXX had to pay over XXXX XXXX dollars on a class action suit involving the same situation they put us through. Once this was received by XXXX my loan all of sudden now belonged to XXXX mortgage where we had to begin the entire process over despite them having letters from doctors informing them the strain they were putting on us and how negatively it was affecting our health. Then I found out the the " new '' mortgage holder was a subsidiary of XXXX XXXX XXXX. They caused this situation of us being so arrears in our mortgage and we are now being foreclosed on by the lender. I would love to find an attorney in MA who would be willing to help me file a class action suit here in Massachusetts. We are begging and pleading for help to be able to keep our home. They illegally forced this burden on us and are refusing any modification or compensation of any kind.
08/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92115
Web Servicemember
Last year due to covid I was laid off from my job ( I am a XXXX XXXX ) for 3 months. I asked Carrington Mortgage services to offer assistance, they told me they can do a Forbearance for the months I will be laid off. So I did this I think ( XXXX ). At the end of this time, They asked me to complete a modification packet so they could get my mortgage modified and back on track. I told them I could start making payments and they told me I can not pay unless I could pay all the missed payments during the forbearance ( which I couldn't ). So I called weekly, every 10 days or so to find the status. They just kept telling me its being worked on that there are a lot of people in my situation and to give them time. Sometime in the fall, they contacted me and asked me to fill out another packet because it had been more than 90 days ( that they had my completed packet ) and they needed current information. So I got it all to them again ( on time ). I kept calling, they kept telling me not to worry, everything is okay its being worked on, give them time. Finally it went to underwriting in XXXX and was being worked on. I called a few weeks ago and was told it was being worked on and was in underwriting, to wait it could take 30-60 days. Last week I received notice of default and was contacted by certified letter that they have started foreclosure on my home. I called them and was told they don't understand why this would happen because they show they had received a completed modification packet and it was in underwriting but there were no notes on the account that any other work had been done on it since XXXX. I spoke with two people on Thursday and was told it was defiantly an error on their part to give them some time to research it. I was told to call back on Friday. On Friday, they told me it was being looked at, to call back on Monday. Today I called and was told to call back on Wednesday. I did speak with someone in the home retention department today. She is a supervisor and I can't remember her name but her employee number is XXXX. She said she is going to personally handle this. She has contacted the underwriter and a manager in home retention to see what can be done to get this corrected for me, that this shouldn't have gone to forclosure. I am worried at this point because for almost a year, they just keep telling me to relax, it will be okay, they are working on it, don't worry. Well now I have 10-15 people a day knocking on my door, this morning I went into my back yard to see two guys taking measurements telling me the house was in foreclosure and they are interested in buying it. I told them to get off my property. My fear is that they are running the clock and my house will get sold before they find a solution for me. All I wanted was some relief for 3 months while I was laid off due to XXXX. They offered it to me and told me it was simple. Here I am a year later. I did EVERYTHING they asked me to do and I did it on time. Someone with Carrington dropped the ball and now I am fearful that I will loose my house. I need help and they are not willing to offer me anything in writing that this is going to get corrected. They just ask me to be patient and not to worry. I have nothing in writing from them, just statements on the phone ( one conversation I recorded ) where they tell me sorry and it was there mistake and they will fix it but then keep asking me to call back in a few days. PLEASE HELP ME
07/24/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 322XX
Web
On XXXX XXXX I started to have XXXX symtoms. I went to the XXXX room on the XXXX on a Sunday. I had XXXX XXXX. I was home with XXXX didn't go back to work until XXXX. I had a doctors release. So I called my mortgage company at the time XXXX XXXX XXXX I explained I had Covid and the rep told me about forbearance I started the forbearance plan. I extended the forbearance again in XXXX the end date was XX/XX/2022. I called XXXX about partial claim and I was told my loan was going to be transferred to Carrington Mortgage XX/XX/XXXX. The rep told me that my Partial Claim my not be completed before the transfer but all the information will be transferred and the new company will contact me about the partial claim. I said Ok. I started getting letters from Carrington about Losing my house and foreclosure. I called Carrington immediately the rep I spoke with I asked why am I getting these letters about foreclosure she said your loan is behind. i said I was in forbearance then I started a partial claim she said well there is no information about that. She said let me put you back in forebearance so we can start the partial claim. Then I get a notification from XXXX XXXX my credit score decreased XXXX points. I called XXXX asking why Carrington mortgage didn't know about forbearance and the partial claim. The rep stated XXXX didn't have to transfer certain information I was upset about that. Then i asked her about my credit she put me on a brief hold came back to the phone and said I had to get a credit report with that decrease so they can figure out what happened. I explained when a loan is transferred to a different servicer there are no LC or No deragatory marks againt your credit. I sent all that back they have not fixed my credit back. Then I called Carrington Mortgage back they emailed the forbearance information. The forbearnce end XXXX XXXX. I filled out the information about XXXX. I called Carrington Mortgage letting them know about HAF so the gentleman ( REP ) said XXXX doesn't always give the money and it may be to late so still get the partial claim just in case. I said will my partial claim be paid if XXXX pay Carrington Mortgage he said I'm not sure but I think so. I got the partial claim paperwork XX/XX/XXXX. I sent the paperwork back. I received a email from XXXX and they sent Carrington Mortgage XXXX for my mortgage paid up until XXXX XXXX. The partial claim was XXXX I called XXXX XXXX and left messages NO CALL BACK. I emailed her on XX/XX/XXXX asking her to call me back still NO CALL BACK. I needed answers about how the partial claim if HAF pd my past due balance. I called Carrington Mortgage on XX/XX/XXXX the rep stated my bill was all paid up i didn't owe anything until XX/XX/XXXX. So I login my account on the XXXX to see if my account was updated yet. I seen I owed XXXX and I have alot of fees and I called and the rep stated there was no money from XXXX and I asked about why do I have fees I was in forbearance she asked when? I was confused The rep said XXXX XXXX call back at XXXX so you can speak with XXXX about this. I calked back so the rep stated the money was returned back to XXXX on the XXXX. I said Wait, XXXX. Why? She said because the partial claim was added on XX/XX/XXXX. I said I asked before I started the partial claim would it be paid from XXXX. She said XXXX XXXX is DUE. I said I was told something different. She asked did anyone tell you that the money was returned I said NOOO.
08/09/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08046
Web Older American, Servicemember
In 2018 I ran into financial distress when my VA benefits were cut in half. Apparently the VA was sending the other half of my benefits to my deceased wife. It took many months to convince them she was dead and to restore my full benefits. At the time when that happened the total amount that was due was about {$15000.00}. I hired Mr. XXXX who helps people to re-modify their mortgages when they get into trouble. He has had great success with this so I had faith the problem would be solved within months. However, this was not the case. Since he is familiar with the process I gave him all of the documents necessary to resolve this issue but got no cooperation from the mortgage company. Over a one year period the mortgage company began a cycle of repeatedly asking for the same documents over and over. After a 2 month period of being stonewalled about the status they would ask for the same documents again claiming they were out of date. This happened about 6 times before they sold the mortgage account to the company that holds it now. There was no warning and i was informed by mail about 2 months later. The company that holds it now engaged in the same game. Somehow this company was more insidious refusing to send a letter, an email or text of what exactly was necessary to resolve this issue. Mr. XXXX asked them several times and was stonewalled repeatedly. After about 2 months of getting nowhere he resigned from this assignment out of frustration. This company claimed to have received nothing but i received a green return receipt for certified mail. although he was unwilling to continue he advised me to send all of the documents that he knew were necessary to successfully re-modify a mortgage. I did as he instructed and about a week latter received letters claiming my application was incomplete but there was no information on what documents they needed. I called and asked and sent the exact documents that i was told were needed. About a week later i received letters claiming i did not send the right documents but yet again there was no information about what documents were needed. After about dozen times sending in the documents they asked for and being told they were not the right ones and to start the whole process again I understood MrXXXX XXXX reasons for quitting this assignment. This process has been going on for about a year now and i have had enough. I am XXXX years old and this process has driven me to the brink.I got sick and was hospitalized several months ago. My son decided to try to help me because he has XXXX XXXX experience. Even he said there is something very suspicious about this entire situation. He has said as well as Mr. XXXX that this company is refusing to cooperate to ride out the moratorium so they can take my house. Because of this I do not believe this company is acting in good faith. If the original mortgage company had been honestly negotiating when i was only behind by {$15000.00} I would be back to my normal life. I have read the regulations and laws regarding VA mortgages and even though it is written in legalese I believe there is some criminal or at least civil wrongdoing. This company needs to be fully investigated by the DOJ, VA and the attorney general of the state of California. I know i am not the only mortgagee that is being screwed over by this company. I am an old man and i served my country fighting in XXXX. No-one should have to go through something like this.
10/13/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • KY
  • 40031
Web
On this date, XXXX/XXXX/2016, Business Name : CARRINGTON MORTGAGE SE, inaccurately reported to the Credit Bureau, my loan or account status as : Bank Adjustment / Deed in Lieu / Bank Liquidation. Since you, CARRINGTON MORTGAGE SE signed a XXXX ; you are required to follow the guidelines within the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version XXXX. THE ABOVE IS AN INACCURATE ENTRY ON MY CREDIT REPORT per the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version XXXX ; Specifically SECTION XXXX Credit Bureau Reporting : that states, '' Servicers should report a " full file '' status report to the credit reporting agencies for each loan under HAMP in accordance with the Fair Credit Reporting Act as well as other applicable laws and credit bureau requirements as provided by the XXXX XXXX XXXX XXXX ( XXXX ). " Full-file '' reporting means that the servicer must describe the exact status of each mortgage it is servicing as of the last business day of each month. '' First of all, Since CARRINGTON MORTGAGE SE acquired this loan from XXXX XXXX on XXXX, 2016 and I received the notification in the mail of the transfer, I have not heard from CARRINGTON MORTGAGE SE. They have not mailed me monthly statements showing what my balance is and what I should pay monthly on my mortgage. There has been no introduction of a relationship manager to this date. If they did call me, they did n't leave a message. Please mail me MONTHLY statements, showing what my balance is and what I should pay monthly on my mortgage. If you had consistently mailed me monthly statements, then I would know what to pay and you would n't need to make the following inaccuracies : PLEASE CORRECT ON MY CREDIT REPORT ASAP. SINCE YOU HAVE NOT FOLLOWED THROUGH ON THE FOLLOWING, THEN YOU 'RE IN VIOLATION OF SECTION XXXX. Permanent Modification, OF THE Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version XXXX ; Specifically SECTION XXXX Re-default and Loss of Good Standing, Paragraph XXXX. MAINLY this section : " In the event a borrower defaults on the modified loan, the servicer must work with the borrower to cure the modified loan ( YOU HAVE NOT DONE THIS ). If this is not possible the servicer must-evaluate the borrower for any other loss mitigation alternatives, e.g., HAFA ( YOU HAVE NOT DONE THIS ), prior to commencing foreclosure proceedings ( YOU HAVE DONE THIS ). All of the above are VIOLATIONS of the MHA Handbook Version XXXX XXXX Protections Against Unnecessary Foreclosure ; SECTIONS XXXX and XXXX of Chapter XXXX, respectively. Also, this is a VIOLATION of the MHA Handbook Version XXXX, Chapter XXXX. Home Affordable Foreclosure Alternatives Program ( HAFA ), Specifically SECTION XXXX HAFA Consideration that state : '' Borrowers that meet the eligibility criteria for HAMP but who default on a permanent HAMP modification should first be considered for other loan modification or retention programs ( YOU HAVE NOT DONE THIS ) offered by the servicer prior to being evaluated for HAFA. Notwithstanding the foregoing, Consumer Financial Protection Bureau ( CFPB ) Regulations may require a servicer to consider a borrower for HAFA contemporaneously with considering the borrower for HAMP and other home retention options. '' How can this be when CARRINGTON MORTGAGE SE HAS NOT tried to work with me per the MHA Handbook Version XXXX Guide?
07/29/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 34786
Web
On XXXX XXXX, XXXX, we had a call with the supervisor from Carrington Mortgage Services, LLC, which marked the final episode of a grueling and very unfair negotiation, to say the least, for a mortgage modification that started XX/XX/XXXX. First with XXXX that resulted in XXXX different offers. The XXXX offer came on XXXX XXXX, XXXX after a lengthy process of submission of documents and forms that got lost a couple of times. We declined the offer due to the high monthly payment. After numerous phone calls with XXXX and the re-introduction of an entire new set of documents, we got our XXXX offer on XXXX XXXX, XXXX. Frustration on the whole process was staring to settle in, and as unfavorable as the offer was, we proceeded to accept all the terms on the XXXX one, with only XXXX request, to extend the term from 15 years to 30 or at least 20 years, plainly due to affordability. Our only request was repeatedly denied regardless of the multiple escalations that we attempted. The next thing we heard from XXXX was that they have sold our loan to Carrington Mortgage Services LLC. Ignorant about the intentions of the new player, but with a lot of optimism we started from scratch the entire documentation for the request of a XXXX mortgage modification with our new lender, Carrington Mortgage Services LLC. At this point, we were experts on the requirements and forms needed for the process. We submitted the request and he offer response never came ; on the contrary we were told that the request was denied because of the size of the loan and the balance on it. Months kept going by and the dream to keep our home started to become a very distant dream full of nonsense and frustration. Around XX/XX/XXXX, we were served with a Foreclosure complaint action from XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX. A XXXX entity came into the picture, only to ad to the confusion. On a desperate move and threaten by such action, we tried to re-initiate the negotiation on the mortgage modification by offering a good faith amount of money towards the loan and by doing this we were able to brake through and put a hold on the foreclosure action. Soon after we started negotiating the good faith amount, interest rate, term and monthly payment. Again in an effort to lower the monthly payment, under their approval we went ahead and purchase our own Home Insurance to exclude it from the monthly obligation. The negotiations ended with a 40 minute call on Tuesday, XXXX XXXX between the Supervisor, XXXX, my wife and I on the phone. The call is recorded and it took place between XXXX and XXXX ET. Please request the recording and listen to all the contradictions, unfair negotiations, nonsense statements, scary tactics and complete lack of due process. The hold on the foreclosure action will be lifted at the end of this month, or so they threaten with, and our home is gone. We understand the fact that as the months went by, the unpaid balance on the mortgage payments and late fees grew out of control. However, we always maintain the objective of resolving this matter and keeping our home throughout the whole process. Moreover, what the lenders wo n't admit is the fact that for 10 years from XX/XX/XXXX to XX/XX/XXXX, equivalent to 120 monthly payments plus, my wife and I made timely monthly payments on an Interest Only Loan in excess of {$700000.00}. We ask, who is ahead in this negotiation? The answer is clear.
12/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 06705
Web
XX/XX/XXXX, I informed Carrington Mortgage Co that I was out of work on a job injury and would have a problem with my monthly payment. They told me no problem I would be sent forms to set up a repayment plan. XX/XX/XXXX, I received the forms and filled them out and mailed them. a few weeks later I received notice that forms were missing and I was denied a repayment but could appeal. The reason was information was missing but not specified by them. XX/XX/XXXX, I received more documents from my employer and filed an appeal. I mailed all papers to carrington. XX/XX/XXXX, I again received notice that my repayment plan was denied. But I could appeal again. I told them I could pay my loan in payments and was told I needed to be sent a final value fee notice for reinstatement. which would take a few weeks to receive. XX/XX/XXXX. I called because I had not received the document that I was supposed to receive. I was told that they were sent and to give a little more time. XX/XX/XXXX. I called back because the documents did not come. I was told that it would be faster to have them emailed. I verified my email address and was told it would take tn to fourteen days, to keep an eye on my email. XX/XX/XXXX. I contacted them again and said that I had not received the forms in my email. I was told they would resend them and to keep checking my email and spam folder. XX/XX/XXXX, Still no forms by email so I called again. I was told that my mortgage was sent to an attorney for the start of foreclosure and now I had to wait for them to get legal fees and send me forms. I couldn't make any payments because I needed the exact amount or my payment would be sent back to me. XX/XX/XXXX. I called Carrington and was told they were still waiting for the attorneys office to respond to them with information. XX/XX/XXXX. I called again and was told they were still waiting for the attorneys office to get back to them. That it may take a while to be patient. XX/XX/XXXX, I received forclosure papers from the court. I called Carrington and was told they would now contact the attorney for the information but because of the pandemic it may take a very long time so be patient. I explained about the court documents and was told to file whatever I needed to as a precaution but they would get baak to me. XXXX, XXXX, XX/XX/XXXX. I tried calling Carrington and got a recording saying because of the pandemic I should use there website for contact, then the call would be ended. I couldn't get on the site because of the foreclosure status of my loan. XX/XX/XXXX. I called the attorney for Carrington that was on the court papers. I explained the entire situation and asked them if they could contact Carrington as I could not. They said they would try and if possible have someone get back to me. Needless to say no reply. XXXX, XX/XX/XXXX No contact except for a notice saying my loan payments were deferred for sixmonths due to the pandemic. XX/XX/XXXX. I finally got in contact with a person at Carrington who after an intense exchange of the situation, I was told that I would be sent the information I needed. Called reinstatement paperwork. After verifying my contact info again and finding out that this time they had my wrong phone number and email address. I requested the forms be sent by mail. I was told I should receive the information XXXX XXXX. As of the date of writing this XX/XX/XXXX still no paperwork...
09/18/2015 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • NV
  • 89433
Web
Seller did not own my house at the time I signed closing documents for my FHA mortgage. I purchased a double wide manufactured home from a Trust XX/XX/XXXX which was initially financed by XXXX, transferred to XXXX, and them bought by XXXX for pennies on the dollar. It was understood that the house and the lot would be converted to real property and that this process could take some time. It ended up taking two years, during which time I paid both personal property taxes on the house and real-estate taxes on the lot. XX/XX/XXXX I discovered that theTrust was for the benefit of professional flippers who had traded the lot my house sits on for another lot they already owned. These flippers paid the owner of the lot {$2100.00} for a lien they had placed on the house for back rent. A title search conducted as part of a lawsuit for appraisal fraud I filed against XXXX with XXXX XXXX XXXX as successor in interest, my realtor and appraiser XX/XX/XXXX revealed that the flippers NEVER owned the house I purchased using an FHA insured loan. HUD regulations stipulate that a house can only be sold by the owner of record. While the trust was the owner of record for the lot, the owner of record for the house was actually XXXX XXXX, XXXX -- NOT the flippers, not the Trust nor the trustee who was named as the owner in all of my closing documents. Additionally, HUD found that the house did not qualify for the FHA loan as it does not meet HUD underwriting guidelines, as per the evidence I provided to them in a complaint I filed with them. Transfer of title of the house to me did not occur until two years after the signing of closing documents XX/XX/XXXX, and only after the State of Nevada and XXXX XXXX engaged in an investigation when the the State discovered that XXXX XXXX was holder of the title, and not the flipper who sold it to me. I have wrongfully paid between $ XXXX-XXXX to XXXX/XXXX XXXX on a non-existent contract as a result. I sent Carrington Mortgage Services, Carrington Foreclosure Services and XXXX XXXX XXXX a rescission letter demanding that all monies paid on the note to be returned to me based on the fact that the contract is void. I also requested that satisfaction of the note be recorded with the XXXX County Recorders Office and notification of payment in full sent to all of the credit reporting agencies. Carrington refused to honer my rescission based on the dismissal with prejudice of the lawsuit filed XX/XX/XXXX. My case was dismissed with prejudice because I had stated in my complaint that I did not know that I was entitled to a copy of the appraisal. XXXX XXXX XXXX was able to produce documentation with my signature stating that I did know I was entitled to the appraisal -- so my case was dismissed. However, the information regarding the fact the seller did not own the house was not know to me at the time I filed the suit and was never admitted as evidence as the information was provided to me after the suit was dismissed. The fact that my case was dismissed does not change the fact that the contract was not consummated and is null and void. Carrington now wishes to foreclose and sent me a notice of default after 5 1/2 years after my default and 4 years after I declared chapter XXXX BK that included my house. Allowing Carrington/XXXX to take my house is another fraudulent act that will result in unjust enrichment on their part and cause further damage to my now good credit.
09/29/2016 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • NH
  • 030XX
Web
We purchased our home XXXX XXXX. The mortgage that was given to us from XXXX had XXXX parts. XXXX of them was a fixed mortgage and the other had a 2 year ARM. When we went to refinance at the end of the 2 year we had discovered that it was 50 year mortgage with a balloon payment of {$250000.00}. We had no idea. In hind sight, at the closing we briefly saw the amortization schedule and asked about it but we were told " oh you do not want to see that it will just make you sick if you see all the interest that you will be paying '' This is the first house we ever purchased so we did n't question it. If we had been encouraged to look at it and given the opportunity to ask questions we would not be in this situation. We refinanced with a local bank, XXXX XXXX, which in turn was sold the mortgage to XXXX XXXX XXXX. In XXXX I, XXXX, lost my job. We applied for a modification with XXXX. Like many others we had sent in our " financials '' ( taxes, bank statements, pay stubs, utility bills, and hardship letter ). We sent it to them at least 10 times. It kept getting " lost '' or " not received ''. We had to file Chapter XXXX to stop them from foreclosing. XXXX XXXX we began a " trial modification ''. XXXX XXXX we got a permanent modification. We were paying on time at a comfortable payment. XXXX XXXX XXXX sold our mortgage to Carrington Mortgage Services. CMS told us everything will remain the same. After our first payment we received a letter stating that they our payment was going up because our escrow had a deficit. I have the escrow report from XXXX showing that we did not have deficit. I faxed it to CMS upon their request. I was told by both companies that I had to call the other. CMS kept telling me that they had to go by what XXXX reported to them. They would tell me to call XXXX. I would call XXXX and they would tell me they no longer service our mortgage and they could n't help us we had to call CMS. CMS will not accept payments from us. They accepted sporadic payments ( 5 ). Thus leaving us in arears. After reading through the RESPA-CFPB Consumer Laws and Regulations it appears the both companies have not adhered to the laws and regulations. We have an acquaintance here in town who is an attorney and we asked her if she could help. She specializes in XXXX Law but said she would try to help. She sent a letter which turned into another letter and then another. Here we are 2 years later. She has been going back and forth with both companies. We had an agreement that we signed and sent along with a certified bank check about a year ago. CMS sent the package back to us with no explanation. There have been other agreements sent to us but the language in the agreements were protecting CMS and not us. I have placed complaints to the Banking Commission, FDIC, OCC, Attorney General, XXXX, Senator XXXX 's Office. I reached out to anyone who would listen. This is affecting not only XXXX and I but our children. I have looked on the consumer affairs website and see many people in the same or similar situations. I have kept records of every letter, statement, certified mail receipt, etc. from XXXX to date. We would like to resolve this and move forward. Ultimately, we would like to be absolved of any and all debt from XXXX and CMS. After almost 7 years of anxiety and frustration we feel that it is a fair resolution. We look forward to speaking to you. Sincerely, XXXX and XXXX XXXX
07/20/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CO
  • 80134
Web Older American
I refinanced through my existing mortgage company, Carrington Mortgage Services, on XXXX XXXX, XXXX. There was a misunderstanding about the first payment due on XXXX XXXX. I received a statement with " no payment due '' for XXXX/XXXX/XXXX ( see attached bill ) With the upcoming holidays, I was thrilled with the " gift ''. I waited a few days and then cancelled my bank-scheduled payment ( copy attached ). I received NO OTHER STATEMENT until my XXXX statement which now included the past-due amount ( attached ). I noticed that the address was incomplete on the new loan and assumed that is why I never received the XXXX bill. After receiving the XXXX statement on XXXX, I immediately called to resolve the issue. I requested to pay it back as much as I could for the next few months by increasing my monthly payment. Customer Service ( CS ) advised me that they did not have the authority to work with me on that and advised that I send a fax to Customer Service Research. I did this on XXXX to the number provided to me ( see confirmation attached ). CS Research never contacted me so I called back. I was then told that because I 'm never really more than 30 days late, that CS Research would not contact me until I got to 45 days or more. The CS rep, XXXX, said that CS could not contact CS Research directly but he gave me the name of his supervisor, XXXX, and told me to re-fax the information to CS Research to her attention. I did this on XXXX/XXXX/XXXX ( see attached confirmation ). I finally decided to take matters into my own hands and began paying extra with the XXXX/XXXX/XXXX mortgage payment. Carrington put the extra money into suspense where I was told it would sit until the total amount of {$1000.00} was received which was fulfilled by me with a XXXX XXXX payment ( see attached ). I spoke and explained my situation to SO many people at Carrington but was unable to speak with a Supervisor or get the matter resolved. I was harassed monthly with XXXX foreclosure letters, XXXX past-due notices and weekly calls ( sometimes XXXX in a day ) to my home, my cell phone AND work. I have witnesses at work that can vouch for how often I repeated my story and tried to get this taken care of. I was assured over and over again by CS that my credit would not be marred since I was making efforts to get this misunderstanding handled. I was told the numerous letters and calls were just " routine ''. I even wrote the company directly ( letters attached ) to try and explain the whole matter one more time and ask that they clear my long-standing good credit history which was ruined. They not only have some very wrong facts and took a couple things out of context, but they said they would NOT help me out. This has all gone on for so long, that all the details and things I was told would cover several pages. Unless Carrington also eliminated all my conversation notes with CS ( they blocked me from XXXX ), there should be plenty of history to go with my account. I 've always had good credit and maintained exceptional relationships with any vendors. I did everything in my power to make things right and just could not get any cooperation from Carrington. And, the only department that can be reached by phone is CS and all they did was tell me anything to placate me at the time. No actions were ever taken by anyone and the stories told to me were always different with each CS representative.
10/18/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KY
  • 40291
Web
The company is still lying and not correcting its errors. I am submitting a request to reinvestigate complaint XXXX and am stating as follows : I am asking that this complaint be reopened and investigated thoroughly as it appears that someone may not have taken the time to thoroughly read through the response from Carrington. Had they done so, they would have noticed it was filled with inconsistencies. 1. First question I would ask is how would Carrington be allowed to charge me and try to collect a bankruptcy fee when my bankruptcy was filed in XXXX. 2. 2nd Why is Carrington asserting that I stated that the {$6000.00} should have been included in the loan modification and that I further state that amount is not reflected in the loan modification agreement. a. I stated that they in fact did include this in my modification as capitalized monies when they added back an additional {$10000.00} to the balance of the loan which included their supposed {$6200.00}. My past due at the time of modification was four months at best because they refused to let me bring it current and would not accept a payment when I tried to negotiate this. I therefore had no choice but to file my bankruptcy and my payment and interest most definitely was not {$10000.00} for that period of time. b. Additionally, Carrington is well aware of my bankruptcy discharge and has acknowledged final cure of post petition payments. See attached Form XXXX from Carrington Mortgage Services , LLC . Why it would try to imply otherwise is a question at issue. Again, as I stated before someone had an idea to do something they were not supposed to. 3. Those {$90.00} fees did not show up until I made notice of the possible need for Covid19 consideration. I have even sent a {$90.00} payment alone in addition to my monthly payment and it is still there, 4. I was never made aware of any inspection to my home or any attorney fees associated with my bankruptcy. In fact this issue in itself seems to be noncompliant with the bankruptcy rules. 5. My loan was never modified in XXXX. 6. In XXXX I did receive a forgivable loan from HUD due to a job loss in which they paid my loan payments for over a year which kept my loan current at that time ( see attached ). My first modification occurred in XXXX with XXXX XXXX XXXX. ( see attached ). 7. As of XXXX when Carrington took over my mortgage anything XXXX related is no longer applicable. The modification I did was with Carrington in XXXX. Carrington, added the {$6200.00} into the balance of that loan modification along with fees and interest and Capitalized it at that time. I still had to make the three initial payments to become eligible for the modification so at that point there should not have been additional past due added to my loan. Then a year later they added to my statements saying it was due again. 8. If you will actually read CMSs statement of response you would see it is riddled with inconsistencies and lies. Please see final attachment regarding the bankruptcy discharge from CMS. I have also attached a copy of the credit report showing they are reporting this. 9. Again as I stated before the company is trying to fraudulently foreclose on my loan and is trying to create its own documentation to accomplish this. What they dont seem to realize is I have my documentation. Please reinvestigate and make them proceed according to the law.
09/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • XXXXX
Web
I am having a BIG problem with Carrington Mortgage that I know is not exclusive to me. I have screen shots of this process to prove my case. When you sign up for auto pay when on-line, it gives you the date of the following month, on the first, that your payment will start coming out. I have the series of screen shots with the date that the payment is claimed to be coming out. However, The following is what happened TWICE to me. ( because I quit and re-signed up for autopay in order to get screen shots of the steps to prove my case ) 1 ) It gave me a date when the payment was coming out of the following month on the 1st 2 ) When I went on-line to check on that payment, it gave me a big screen pop-up that said ( to the effect of ) you have signed up for auto pay. If you make a payment, you will be paying twice. So, it tells you NOT to make a payment. 3 ) THEN, they DONT take out the payment and give you a 30 day late. The auto-pay kicks in a month late from what they said. 4 ) They are refusing to remove the mark on my credit. I have been working on getting that mark off for the last year since it was put on. I have worked on it myself and a credit repair agency worked on it. They WILL NOT remove it. They say to me : it is our legal obligation according to the FCRA to report accurately to them This was neither FAIR NOR ACCURATE. This is after 11 years of being a good customer. They are not taking that into consideration whatsoever. They are stuck on keeping two 30 day lates in a row ( no, not a 60 day late ) because they skipped the month of auto pay that they were supposed to take out, and left me a month behind once it kicked in. I was traveling which is why I signed up for auto pay to begin with, and did not have any idea I was getting these lates until 2 months later. I can not believe their system is set up to make you fail, and then, they refuse to take any responsibility whatsoever. I can not refinance my house because of that mark. I may loose my house because I can not refinance and owe a balloon payment on a 2nd mortgage that I thought I would refinance into my current mortgage. I am at a complete loss. I can not believe this company can get away with that. PLEASE help. I know I am not the only one with this problem. It has to happen all the time if it happened to me twice. They are refusing to remove it from my credit. They are the ONLY mark on my credit as well. I do not have any habits of non-payment or late payments. I really need help with Carrington Mortgage. This is not the first time or the first thing they have done to set a person up for failure. Their system is designed for failure. On top of it, a person is signing up for AUTO-PAY. Obviously the intention is not to ditch a payment. The intention is to not have to worry about their screwed up system of paying that may not go through in time. ( another failure they set you up for ) So, auto-pay was supposed to be the remedy to get them their money on time. Now I have 2, 30-day lates because of it to my detriment and clean credit history until now. Original Dates were XXXX and XXXX of XXXX. I was set up with auto pay and they did not take the payment and reported me late 30 days 2 months in a row because they were taking out the payment and back dating to the previous month. The 2nd time I removed and re-set up auto pay in order to get screen shots was XX/XX/XXXX.
02/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 981XX
Web
We have tried to resolve the issue with Carrington ( CMS ) without success, so we are submitting it for assistance. In this email, please find the escalation and borrower authorization forms. The second attachment is a " resolution letter '' from CMS dated XXXX/XXXX/XXXX, which chronicles a recent escalation made by XXXX XXXX. It is important to note that any references I make to the Handbook is referring to the most current MHA Handbook XXXX, unless otherwise stated. The attached response letter from CMS basically concludes that XXXX XXXX was not eligible for any modification options and that the foreclosure sale was going to take place without any intervention. They state that " it is important to note that similar to HAMP guidelines, CMS guidelines also renders a loan ineligible to receive an alternative loan modification after receiving and defaulting under a HAMP Tier II TPP or a permanent HAMP Tier II loan modification under the same circumstances as outlined above. For this reason, CMS has declined the borrower 's subsequent requests for mortgage assistance for consideration under all loan modification programs. CMS continues to respectfully decline the borrower 's request to reconsider the loan for another loan modification. Currently, the loan is in an active foreclosure status with a foreclosure sale scheduled to occur on XXXX XXXX, XXXX. '' It then references MHA Handbook version XXXX as the basis of fact for their denial, even though version XXXX of the Handbook was severely outdated as of the date of their letter ( it was published XXXX XXXX ). XXXX XXXX then filed bankruptcy in a last-ditch effort to save the house. When we called XXXX in XXXX XXXX, they again confirmed that XXXX XXXX was being denied due to " multiple modifications '' and referenced this same letter as the basis for denial. Below is a confirmed list of workout options the borrower has had on his loan ( this information is also stated in the letter ) : 1. XXXX XXXX - In-house modification 2. XXXX XXXX - XXXX In-house modification 3. XXXX XXXX - HAMP2 Trial Period ( defaulted on 2nd payment ). Section XXXX of the Handbook ( Streamline HAMP Eligibility ) states that " a borrower may not receive more than XXXX permanent modifications or default on more than XXXX TPPs ( or a combination of both ) with respect to the same loan under HAMP. '' XXXX XXXX has not received any permanent loan modifications under HAMP, and only received XXXX TPP under HAMP. He further meets all basic criteria for HAMP eligibility as outlined in section XXXX, so he should have been deemed eligible for review. CMS did not follow the guidelines set forth in the current Handbook, nor did they access any of the published supplemental directives that were available from XXXX to present. They further did not comply with any of their other obligations as outlined in their XXXX agreement with the treasury, which states that servicer a should " use reasonable efforts to remove all prohibitions to its authority, and use reasonable efforts to obtain all third party consents and waivers that are required, by contract or law, in order to effectuate any modification of a mortgage loan. '' I have also attached that if it is needed. For the reasons outlined above, we are formally requesting to have XXXX XXXX properly reviewed for Streamline HAMP. Thank you, we look forward to hearing from you.
07/18/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 070XX
Web
XXXX XXXX XXXX sold my loan to Carrington Mortgage On XX/XX/XXXX, By XX/XX/XXXX I did not receive any information to where to send my payments. I called XXXX XXXX XXXX and they gave me their number. I called Carrignton Mortgage to find out about a policy # or acct # to send my payments to and they said that they were very busy procession the paper work for the transfers from XXXX XXXX XXXX and that they will send the information soon. We received a letter saying the same and that they will forgive any late fees for XX/XX/XXXX because of the time that they are taking to process the acct transfer. Finally, XX/XX/XXXX we receive the information need it to make payments and we started to send payments. XX/XX/XXXX we received a letter saying that our mortgage was going to be process for Foreclosure because we had late payments. I contacted them right away and disputed they will give me the run around and not resolve issue in the mean time I continue to send my mortgage payments and they continue to return every payment starting XX/XX/XXXX and every month after that. After numerous calls and messages left with customer service and voice mails. Finally XX/XX/XXXX someone from the reinstatement office gets on the phone and says that to reinstate my account we had to pay all the months that they returned ( " behind '' his words ) as a certified check. I went to bank to get certified check and just to make sure on the $ $ $ amount I called again and they told my that the dollar amount given to me before by one of the CS rep. was wrong that there was a lawyer '' s fee and late fees of about {$3000.00}. I disputed that with him and he said he will call back. Every time I will call to find out status of my dispute they will say that reinstatement office was busy they will call back and in the mean time XX/XX/XXXX was running to XX/XX/XXXX and I knew that they will add more fees ... I finally threaten them with Class Act Law suit and finally someone got interested on my case. I hired a lawyer to help me out with the unjust late fees and the other charges they wanted me to pay. Finally, XX/XX/XXXX they waved the late fees and lawyers fees which should have never even been an issue due to how long it took on their end to process the transfer paper work. Finally I thought the nightmare was over when XX/XX/XXXX I find out that they also, had ruined my credit record by flagging it with late mortgage payments. Now I have gone to my lawyer again to resolve the Credit report Issue. Three month ago we received a higher mortgage payment from what I know that should never change. I disputed that and they gave me a vague reason which I disputed and they waved that. Now for XX/XX/XXXX we again receive a new higher mortgage payment and their reason now is that We are being charged for the lawyers and late fees for all the months that they kept rejecting my payment going on from XX/XX/XXXX to XX/XX/XXXX including Foreclosure lawyer 's fee again. This Mortgage is a SCAM. I can not get out of this mortgage they have ruined my credit, I feel like I am in a hole I ca n't get out. I feel trapped. This is very frustrating and very intriguing to me since XXXX XXXX XXXX also, had a Class Act Law suit a few years back for doing this to their customers and that the way they transferred our account to Carrington Mortgage just with a blink of an eye it seems very suspicious to me.
01/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • DE
  • 19805
Web
I have a complaint against the servicer of my mortgage loan Carrington. I ran afoul of the county code enforcement ( literally a local mafia ) and they began to fine me for various infractions ( some borderline legitimate and some fabricated ). I tried to fight them and push back but at one point in time they claimed that I owed them $ XXXX and they were able to attach these fines to my house. While I was in the middle of fighting this battle in court, Carrington PAID this for me and then told me I needed to pay them! Due to divorce a few years earlier I had no safety net or reserves, and I was in no position to come up with this $ XXXX. Due to their inclusion of this amount into my mortgage I defaulted because they insisted that I take care of this entire amount. I have tried repeatedly to be reviewed for a modification or a restructured loan but have made no progress and have been given the runaround. I was able to enter into the state mandated mediation with HUD and due to that Carrington appeared to take me seriously. They actually assigned an account manager to work with me. But after a few weeks it was the same thing all over again. Misplaced documents, conflicting accounts of status, hard to reach anyone, etc. This is beyond frustrating and it was all avoidable. I should not be in this position. I have the means to afford a reasonable mortgage payment. Due to borderline extortion by the county I was hammered with unfair code enforcement fines and penalties that I was in the process of challenging in court. Then Carrington decided to pay these fines FOR ME and then demanded that I pay them. I work full time for XXXX XXXX and I make enough income to afford a reasonable mortgage payment. Things started to go sideways for me after my divorce in 2007after 30 years my marriage simply fell apart. At that time, the business at the courier company dramatically dropped due to the recession. This caused a lot of financial issues and I ended up liquidating all reserves and my safety net. A few years later the county code enforcement people began sniffing around my home and began hitting me with various code enforcement fines. It seemed like I was targetedthey charged me {$4800.00}, then hit me for having a sandbox in the wrong part of my yard, and then this just spiraled out of control. This is relevant because they ended up adding $ XXXX in fines and junk fees and this was tied to my property so Carrington decided to pay this and then billed me directly for this full amount which led to my default on this loan. At that time, I began trying to resolve this matter with Carrington. As described, I had the means to make a regular mortgage payment and things were fine until these code enforcement fines were added to my mortgage. However, it was very difficult to navigate the Carrington system and get anything done with them. I would send the same documents over and over. I would be transferred from department to department and could never get a status or make any progress on my request for assistance. After I filed for mediation Carrington gave my case some attention and assigned a point of contact, but after submitting my paperwork several times I am once again in limbo with no progress. I wanted to make your agency aware of the way that Carrington is conducting themselves and putting hardworking homeowners into foreclosure for no good reason.
06/04/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NC
  • 283XX
Web Servicemember
Re : ( Account Number : XXXX ) To Whom It Is Concern : Putting Carrington Mortgage on notice, it is fairly clear as to why I claim harassment from Carrington Mortgage 's behalfvia ( XXXX ) XXXX XXXX XXXX. In following through with my word in putting an end to Carrington Mortgage 's demise, I spoke with a Carrington Mortgage Representative again in XX/XX/XXXX because although I am the mortgagee and not the professional accountant ; I realized in finally summating what a live person in Carrington Mortgage 's Services, LLC Resolution Dep was stating, if I am to get from underneath Carrington Mortgage 's umbrella, I was going to have to pay for their mistakes. Here we are with yet another problem. The rep I spoke with in XX/XX/XXXX, quoted roughly {$3200.00} because I didnt have my notes from the conversation. So, I sent in {$3200.00} via Overnight Express. Confirmation was alerted that Carrington Mortgage received it the following morning. I called in to follow up on the situation only to hear yet another problem which has prolonged the cycle of Carrington Mortgage Services demise in my payments being late. Although I was told it posted on the XXXX or XXXX of XXXX, I was also told that I am still a month behind because the homeowner 's insurance was due and some of the mortgage payment was used to compensate for the difference : While they ( Carrington Mortgage Services , LLC ) made such the decision, I can only wonder if it was done with the malicious intent of continuing this adverse cycle. My current concerns are the following : While handling the insurance and tax payments, why wasnt I notified of this problem as opposed to dipping into my mortgage payment. Then, if I dont have the difference to pay straight out within a time period, at least I would have been made aware as to what and why the decision would have been made to increase my mortgage. Why am I roughly still {$690.00} in the red with my Homeowners policy? In going over our household budget, I am sending you all extra money that has dipped well into our savings : who is it and what department do I need to be speaking with to help rectify this problem? Addressing this late payment being removed for the month of XX/XX/XXXX. In speaking with Carrington Mortgage Services LLC Research Dept Liaison, while it was a step in the right direction. Its like I told her, I am talked out. I am paying for Carrington Mortgages ' incompetents so that I can move forward. I have not physically her back from her. Yes, I took the initiative to call her back on three separate occasions, as well as faxed her a letter. Yes, I felt she did the minimum to say she did her part. In closing, Ill be sending in a total of {$1600.00}. With the {$930.00} in reserve, again, this should bring my account current. Unfortunately, because Carrington Mortgage is and has not performed adequate service since the discharge of my Bankruptcy in XX/XX/XXXX, I would appreciate it being refunded and not held in your reserve. Its a shame that all these complaints I submitted have been redundant with the exception of this one. Ill be informing the Bankruptcy Attorney of this drastic fiasco as well because rather management wants to recognize it or not, this is nothing but retribution for me filing Bankruptcy with XXXX XXXX XXXX. ENCL : Carrington Mortgage Services LLC back and front late notice for XX/XX/XXXX
05/23/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • AL
  • 361XX
Web
My home was going into foreclosure in XXXX so I hired XXXX XXXX XXXX XXXX ( XXXX XXXX ) to assist me with securing a loan modification to try to save the home. Upon filing modification paperwork the home was sold to another buyer. We started the loan modification again with this second company. The home was sold again. Each time modification was filed, the home was sold without the paperwork following it. In XXXX they had a foreclosure sale even though I had loan modification paperwork in ; they rescinded the foreclosure sale because I had not been treated fairly ( per XXXX XXXX XXXX ) but they failed to put the home back in my name ; it was in the name of XXXX Bank. I was again allowed to file modification but only if I agreed that I would not go after the previous two buyers of the home. The attorney for the bank, XXXX XXXX ( XXXX, XXXX ) had also been the attorney for the previous buyers. Long story short, I lost my job and was only getting unemployment when I filed for the modification. I'm not sure what happened at this point because I wasn't getting notified or had not received any paperwork from my attorney pertaining to ALL that was going on with my situation. In XXXX of XXXX, I was told my house would be in a foreclosure sale the next day and the only way to save the home was to file bankruptcy which I did not want to file because it was not my debt ; the debt was in the name of my deceased husband and my name was not on the mortgage. Also, I did not have any debt to file bankruptcy for ; I had been working on my credit feverishly to obtain a good credit score to ensure I was able to purchase the home I lived in for 15 years. XXXX XXXX XXXX referred me to her partner, XXXX XXXX because she said she didnt do bankruptcy cases. The bankruptcy was dismissed because XXXX XXXX told the court that the plan did not include the arrearage amount. My husband purchased the home in XXXX and had paid until his death in XXXX and it was like I was starting all over again because the bank wanted {$110000.00} in arrearage and {$180000.00} mortgage ongoing which this house is not worth. Had I been granted loan modification when I signed up for it, I would be long down XXXX XXXX on paying the modification. I feel as if my rights have been violated without ever being able to secure a modification to keep my home. I have jumped through all types of hoops trying to keep this house. My husband purchased this home for {$100000.00} in XXXX and how can the prices be so inflated now. My attorney advised XXXX XXXX that a foreclosure would be a violation of my rights and the said his client told him to go forward with the sale and that's what he was going to do. This has lead me to some health issues like deep XXXX, XXXX XXXX XXXX and being unable to eat, sleep and function as a normal person always in fear that someone be out to evict me. The mortgage company, at one point, sent someone out here to offer me {$4000.00} to leave the property and they knew I had an attorney so I gave the guy my attorney 's card and told them to talk to my attorney. I have paid my attorney well over {$20000.00} and I am yet to receive a statement of account which I have asked for several times. I don't even have my case files from my attorney which I feel I deserve. This has put me in a compromising position as I was sent a ten days to vacate letter XX/XX/XXXX.
03/01/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 22407
Web
Carrington Mortgage provided me a response but i do not believe they were completely honest. Please see my response that includes the reason I believe they are out of compliance based on their response. Also I was in the mortgage industry for over 20 years. At XXXX Lenders made sure they did everything to try to help the borrower saved their home because if XXXX felt the lender did not follow a process to help home owners they were subject to have to buy that loan. FHA/HUD should establish a policy that put more responsibility on the lender. Because the lender will do minimum because they know they will be reimbursed by FHA MIP. Please see below. XX/XX/2017 XXXX XXXX XXXX, VA XXXX Phone # XXXX To : Consumer Financial Protection Bureau I recently filed a complaint against Carrington Mortgage because I felt they was out of compliance to assist me with avoiding Foreclosure as a home owner in XXXX. They responded in which they claimed they contacted me several times to help me ; however it was only 3 times in which they called my cell phone ( XXXX ) and my phone tracks all calls to my number based on an application that tracks calls. However, the main reason they are out of compliance is because they never contacted my wife. I previously called Carrington Mortgage and gave them my wife 's phone number and address because she moved out of the house. Carrington Mortgage had a responsibility to contact my wife directly and request the signed application and her income documents. However, they was setting my loan up for foreclosure my not making an effort to try to help me as an homeowner. I was in the mortgage business for over 20 years prior to becoming XXXX. I worked 15 years with XXXX of the top mortgage lenders and I ended my career with XXXX prior to becoming XXXX during XXXX to remove a XXXX. Although we are both on the mortgage because we are separated the lender is suppose to us separately contact my wife for any documents they need. This compliance requirement would actually help me as the homeowner because if I have to go to court for a judge to require my wife to sign a quit claim deed or sign the application and provide her income. We would all benefit, lenders like Carrington that does the minimum effort to claim they are following guidelines do n't care about the home owner because they will be reimbursed by FHA. In my case I also need an exception in which the lender could grant me and underwrite my loan based on my income or they would consider me for a workout option and make the signing of the application and income documents of my wife conditional. As a home owner my wife does not care about me loosing my home with XXXX children that is the reason she abandon us. She is also on SSD and knows her income can not be garnished. Please help me. Please ask Carrington Mortgage to assist with my workout options by submitting my loan for a workout option. I am trying my best to keep my XXXX children and I form having to move from our home because of a divorce in which my wife only cares about herself. Making the workout option documents conditional in which I have provided all my documents requested ; will still meets HUD 's guideline based on my situation it would allow me to remain in my home. They could also allow me to make XXXX payments to give me time in case I need to take my wife to court. Sincerely, XXXX XXXX
09/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 190XX
Web
My world was turned upside down on XXXX/XXXX/16, I was informed by my employer that eff XX/XX/XXXX to XX/XX/XXXX I will be on unpaid leave & need to choose to retire or resign bc of my health issues, XXXX NJ State Docs determined I ca n't return to work & XXXX of my physicians completed medical forms to supplement my XXXX XXXX app indicating I am XXXX & all of those are attached. Of course I chose to retire XXXX eff XXXX & still going thru the process, it 's not as simple as applying for assistance or anything else. I 'm told that it can take XXXX months, at least & now my employer wants me to see another State doc & that is attached also. I contacted all my creditors & Carrington has been giving me a hard time ever since. I sent docs that show what led to my employer 's response, Carrington 's assistance app & ALL the supporting docs they requested, via email & their document portal on their website & continue to receive numerous calls requesting some of the docs I submitted more than once already at their requests. Throughout, XXXX male reps got upset bc i got upset because of the stress I 'm living through, including trying to understand why Carrington received some docs but not all esp when some of the docs they keep requesting was sent with the other docs they finally received. This has gone on for over a month now & their system is still saying that my package is incomplete as of XXXX I lost count how many emails with attachments I sent, the phone calls I received from reps asking for the same docs over & over again & I 'M SUPPOSE TO KEEP MY COOL WHILE GOING THRU THIS XXXX XXXX PROCESS WITH CHILD SUPPORT BEING MY ONLY INCOME AT THAT TIME & dealing with my energy supplier acting stupid. Only the female reps seem to understand my frustration when I rose to that level bc I needed help trying to understand why they kept asking for the same docs over & over again. There was only XXXX female who went so far to give me her work email address to help ensure that the docs I was submitting would get to the assistance unit & that was over 2 weeks ago and Carrington is still acting stupid, not this rep, Carrington! I just emailed her & copied carrington 's mortgage assistance to show what their website is still saying. This rep should be in a higher position than what she is, training employees on professionalism & customer service & satisfaction bc of how she has helped me as much as she could. Now I am at my wits end & did a search on how to file a complaint bc this is absolutely ridiculous that I need mortgage assistance & Carrington has been doing the exact opposite & I found you guys. Thank you. I am attaching the recent email response I received from that wonderful Carrington employee & I hope Carrington really appreciates what she 's been doing to help me stay sane & definitely not the opposite. She gives Carrington a great name & Carrington would benefit greatly by promoting her to be in charge of their training unit or something if they have one! She is the PERFECT example of how customers should be treated in XXXX times like these. She takes her time & gets answers for me to questions other reps did n't & could n't answer bc they did n't want to take the time to. I 've attached my updated COBRA bill ( medical benefits for me & my XXXX children ) that finally I can pay with my XXXX benefits that just got approved.
09/14/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • LA
  • 70791
Web
Two years ago my mortgage XXXX XXXX XXXX sold my mortgage to Carrington Mortgage. I 've been having trouble paying my mortgage due to decrease in income. However, due to the type of loan I have ( FDA ) a modification was denied by XXXX twice. Noting XX/XX/XXXX when I paid my mortgage, my payment was slip into two payments. As if I was paying particle payment and not paying late fees. This went on until I notice at the in of XXXX XXXX. Th amount that was requested from Carrington Mortgage was in an excess of over XXXX dollars. I then in inquired and was told I had been making particle payments. and particle payment was not accepted on late mortgage. This puzzled me. I payed the amount that was request by the Carrington and according to my bank draft I never authorize more than one payment per month to Carrington. This went on until XX/XX/XXXX, I had an excess that I paid because Carrington requested it. Every time I would try to clear a bill to bring my mortgage current I would hear the same reply " We do not accept particle payment, and in order for us to apply the excess you mortgage needs to be current ''. By now my excess is over XXXX dollars which would certainly ease of my monthly note. Carrington sends me a letter if I 'm 31 days late with intention to foreclose. XXXX XXXX I received a message from Carrington left on a contact number. The voice mail included my property address, my name, the reason for the call. The agent specifically stated that was going to foreclose on my home. This message was retrieved by someone else and I contacted Carrington and informed them that I am 30 days late and they ca n't start foreclosure on me according to Louisiana 's law. I was affected by the flood. I live in XXXX, Louisiana. No doubt the area flooded, President Obama gave a press conference from XXXX, Louisiana. XX/XX/XXXX I received several calls from Carrington Mortgage asking if my home was damage in the flood. Due to prior history I displayed distrust and did not answer the question and told them I would contact them at a later date after I research should I disclose this information. On XXXX XXXX, after research I called them and asked what assistance I would qualify for? I was told that they had removed the flag because I stated that my home was not damage. I told them I had our conversation recorded and I never stated my home was not damage. I was then ask how much did the insurance cover. I replied I did not have insurance. I was placed on a long hold. Then the agent returned and instructed me to go online and download a package and she had to request the flag to replace on my file. I then asked for the package to be mailed to me. I also asked what assistance is Carrington providing, a hold on mortgage for several months? Or Maybe hold on mortgage for several months with payment due at end of month? I was told non of these questions could be answered. However, today is XXXX XXXX, XXXX and a get call from Carrington about late mortgage for XX/XX/XXXX. I would like someone to give me option as related to disaster mortgage relief. Not just fill out a package. Everyone else that was affected I have conversated with, mortgage company gave them options up front and was transparent with their lenders. I continue to struggle with a company that I feel is trying to foreclose on me everyday. Also do so prematurely.
09/07/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MA
  • 015XX
Web
On XXXX XXXX, XXXX we received a discharge by U.S Bankruptcy Court, District of Mass. Included in the bankruptcy petition was a property at XXXX XXXX XXXX, XXXX MA XXXX. The mortgage holder was XXXX XXXX XXXX. The debt was not reaffirmed. XXXX XXXX XXXX never took the title back despite our many attempts to facilitate it. We filed a CFPB complaint against XXXX XXXX XXXX XXXX/XXXX/XXXX ( XXXX ). On XXXX XXXX, XXXX we received a notice from XXXX XXXX XXXX that our mortgage was sold to Carrington Mortgage. I immediately called Carrington and told them that it is not a valid debt, and that we have been trying to get XXXX XXXX XXXX to take the title back and get it out of our name. After Carrington loaded the records on their system, I began a series of discussions with a representative XXXX XXXX. I explained our desire to get this matter resolved quickly as it was causing significant problems for us in getting a new mortgage. Today I received three letters from Carrington. One was " Notice of Sale of Ownership of Mortgage Loan '' dated XXXX/XXXX/XXXX XXXX pages in length. Another was " Notice of Servicing Transfer '' dated XXXX/XXXX/XXXX ( XXXX pgs ). And one was a mortgage statement ( XXXX sheet, XXXX sides ). The mortgage statement claims we owe {$140000.00} due XXXX XXXX. It also contains a " delinguency notice '' which states that we are " XXXX days delinquent on your mortgage ''. The Notice of Servicing Transfer '' states " After this date ( XXXX/XXXX/XXXX ), Carrington Mortgage Services, LLC will be collecting your mortgage loan payments from you '' ( pg XXXX ). The last line of page XXXX reads " Note : See Debt Validation Attachment ''. The only attachment is a notice on page XXXX which reads " This Notice is to remind you that you owe a debt. As of the date of this Notice, the amount of the debt you owe is {$360000.00} ''. It then states that we have 30 days to dispute the validity of the debt. On XXXX XXXX, I called the phone number listed on the Mortgage Statement to report any errors ( XXXX ). The representative validated me and said she would transfer me to the correct department. I spoke with someone named XXXX. I reviewed with her the documents I received from Carrington and asked her " what proof do you have that I owe you anything? '' She pointed to the original loan documents we signed when we took out the mortgage. I told her I was disputing the validity of the debt and that it was discharged in XXXX. I told her I want XXXX of XXXX things : either proof that it is a valid debt, or a letter stating that we do n't owe anything on the mortgage. I also told her that I believe Carrington is running afoul of the automatic stay issued by the Bankruptcy court in XXXX, the Fair Debt Collection Act, and if they report negative information, the Fair Credit Reporting Act. I would like the CFPB 's assistance in securing all records that Carrington Mortgage has regarding this issue, including a copy of the recording of the telephone conversation on XXXX XXXX, XXXX. Further I would like the CFPB to investigate why this debt is lingering, and the title is still in our name after nearly 7 years. Finally I would like the Bureau to help me secure either proof that the debt is valid, or a statement for my files that Carrington recognizes that the debt was discharged in bankruptcy and not reaffirmed.
07/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30045
Web
Carrington Mortgage reported my mortgage account as past due 180 days late ( XXXX ) after receiving XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I called Carrington Mortgage XXXX that my account was reported late 180 days and representative I spoke with stated my account shows " Never Late '' and it would be corrected and to file a complaint for Carrington Mortg. review. XXXX XXXXXXXX XXXX transferred my account to Carrington Mortgage on XX/XX/XXXX and I started to submitted payments to Carrington Mortgage going forward ( XXXX, XXXX, and XX/XX/XXXX ). I called Carrington Mortgage XX/XX/XXXX to make a payment and they refused my payment and asked for past due past due balance of {$28000.00}. I called back XX/XX/XXXX and representative tried to encourage me not to make a payment due to account was under Modification review and I explained to the rep the I want to make a mortgage payment and rep accepted my payment in the amount of {$1200.00}. I called in the months of XX/XX/XXXX and XX/XX/XXXX and made payment of {$1200.00} and again rep tried to encourgage me not to make a payment due to account was under Modification Review and I expressed to Carrington Mortgage that I have applied in my state ( XXXX XXXX XXXX XXXX XXXX XXXX and Carrington Mortgage ask if I would prefer XXXX over Modification and I told the rep that I would select XXXX instead of the of Modification. When XXXX submitted payment and bought my account current then XXXX Mortgage reported my account as 180 days late ( I had only been a customer for 150 days - ( XXXX XXXX- XX/XX/XXXX ) ). After disputing report Carrington Mortg. 180 days reporting it was changed to 90 days late ( XX/XX/XXXX- XX/XX/XXXX ), which was still incorrrect. I never had a late payment with Carrington Mortgage ( payment history is attached ). My credit score was reduced by XXXX points. Carrington Mortgage incorrect reporting took my creditibility from Very Good ( XXXX ) to XXXX ( XXXX ). XXXX submitted payment of {$33000.00} to bring my account current and 3 additional mortgage payments, which would have been from XX/XX/XXXX to XX/XX/XXXX then the 3 additional payments would have been for XXXX, XXXX, XX/XX/XXXX ( not including my payments made in XXXX, XXXX, XXXX, XX/XX/XXXX ). Carrington Mortgage applied XXXX payments received from XX/XX/XXXX instead of XX/XX/XXXX. My XXXX payments ( XXXX to XXXX in XX/XX/XXXX ) submitted was in the amount of {$5100.00} ( XXXX ) should have extended my next payment out to XX/XX/XXXX ( maybe XX/XX/XXXX due to change of monthly payment due to taxes ), but Carrington has my next payment XX/XX/XXXX. The representative I spoke with about the XXXX payments stated payments would have started XX/XX/XXXX if I would not have made payments, and that is the reason account is not showing next payment in XX/XX/XXXX or XX/XX/XXXX, and as well tax payment of {$2800.00} was withheld ( for taxes due in XX/XX/XXXX ) but a surplus Escrow of {$370.00} will be mailed to me. I called Carrington Mortgage XX/XX/XXXX and representative told me that surplus Escrow of {$370.00} will be returned back to XXXX XXXXXXXX because it is their funds and not mine inspite I have submitted payments of {$5100.00} and I was not entitled to the surplus Escrow. Also I would like to know what is the Default Cost of {$120.00} assessed to my account on XX/XX/XXXX.
06/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33062
Web
After 11 years with my bank lender, my loan was sold to Carrington Mortgage services. My loan was transferred and I was obligated to make payments to them starting in XXXX 2019. I've never been late EVER in my mortgage history with any mortgage lender. I've never missed a payment with any mortgage lender EVER. I've always provided documentation when requested in timely manor. In the last two months with Carrington Mortgage Services, I've made many phone calls to them since taking over the servicing of my loan. I've have not been happy or successful in getting three items resolved. 1. I've never received a written statement stating what changes being made to my payment due to something they call DSI. I did receive a letter saying that they were increasing my escrow amount. I had to go to their website to find out about the DSI and escrow money owed. Once I saw I owed, I paid the DSI and the change in my escrow amount through their website immediately in addition to my mortgage payment. They came up with amounts of {$1.00} twice, {$220.00}, and {$86.00}. The payments I tried to make on their website for the {$1.00} and {$86.00} would not be accepted because my payment was under {$100.00} dollars. They don't accept payments under {$100.00} so I then made a {$100.00} payment to cover those small items since that's the way their website works. Even though they had my {$100.00} in their bank account they didn't credit it to my account. 2. I know my mortgage payments are due on XXXX of each month. When I didn't see an automatic withdrawal of my bank account I set up on XXXX/XXXX/2019 I called them. The first letter identifying that Carrington set up my CMS DirectPay was on XXXX/XXXX/2019. It stated that automatic draft of my monthly payments would begin on XXXX XXXX, 2019. I set up my payments to pay two weeks earlier than when due. Eventhough the letter received said it was set up and processed, they didn't take from my account when due. I called and made a payment immediately. I am being charged a late fee and more importantly, considered paying late. They said the CMS DirectPay was set up. They also didn't send me a mortgage statement and they tell me they weren't going to do the CMS DirectPay and that I needed to make myself. I've never been late on any type debt in my entire life. 3. My primary residence with regard to this loan is a condominium. I received many letters in the mail for Proof of Insurance for Flood and Fire. I provided both immediately which came on the same Accord proof of insurance form. The Proof of Fire was accepted but the Proof of Insurance on Flood was rejected. Its the same Accord Proof of Insurance I've been providing to my bank lender for the last 11 years. Its a standard form providing proof of insurance. It is a +/- 280 condominium property. Carrington send me a letter dated XX/XX/XXXX that if I don't provide an acceptable proof of insurance for flood, they will force placed Flood insurance on me for XXXX XXXX.Next day on XX/XX/XXXX I received a letter that I am now charged {$1400.00} on flood insurance for my condominium which has existing flood insurance on it. The reason for the rejection is because we are in two side by side buildings with the same address. They want my proof of insurance for flood to state which building I'm in on form. Its the same address.
11/18/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • UT
  • 84092
Web
We are again writing regarding the above-referenced matter in which we believe Carrington Mortgage has committed Fraud against XXXX XXXX XXXX and XXXX XXXX XXXX We maintain there is still no clear answer on who is responsible for the above referenced loan. We submitted a dispute to Both CFPB and Carrington On XX/XX/2021, Carrington rejected the XXXX as XXXX XXXX Current wife had also signed the XXXX. We resubmitted an amended XXXX to Carrington which they have accepted. On XX/XX/2021 we spoke with two agents at Carrington who advised both names were on the loan as responsible parties and the XX/XX/XXXX sale would not be postponed. I then spoke with the Trustee 's office in XXXX XXXX who advised that the foreclosure sale notice only listed XXXX XXXX as the record owner of the property, even though XXXX XXXX was listed as a Trustor of the mortgage on the Sale Notice ( see Attached ). We again spoke to Carrington on XX/XX/2021 And was again advised both names were on the loan and the sale would not be postponed. We again called the trustee who spoke to someone at Carrington regarding their concern about the Trustee Notice of sale and they agreed to postpone the sale to XX/XX/2021. Standard FHA guidelines require servicers to acknowledge complaints within 5 days The standard response time for A NOE is 30 days. Inasmuch as Carrington has not responded to either of the borrowers or their Authorized Third Party Representative either by phone or in writing, we request the current sale date of XX/XX/2021 be CANCELLED so that a clarification can be made of the status of the loan, and the borrowers be given the opportunity of submitting their Loss mitigation Package for Review. If XXXX XXXX is considered the record owner of the property, the original modification offered that was to be effective XX/XX/2021, should not include XXXX XXXX. Carrington believes both parties are responsible pursuant to an error in their XXXX XXXX. The original XXXX read that XXXX XXXX needed to " refinance '' the home in order to remove XXXX XXXX ' name. That was not the party 's Intent. Both parties subsequently filed for Chapter XXXX XXXX subsequent to their divorce. XXXX XXXX reaffirmed the loan in his XXXX, XXXX XXXX did not ( see attached ), XXXX XXXX also signed a Quit Claim Deed in favor of XXXX XXXX as the sole owner of the property See attached ). XXXX XXXX Subsequently purchased her own home under an FHA backed Mortgage, which would be a violation of FHA guidelines if FHA did not believe XXXX XXXX was no longer a party to this loan ( see attached Freedom Mortgage Document ). If XXXX XXXX is not considered a responsible party, XXXX XXXX should be given the opportunity of submitting a package for modification of the loan in his name only. XXXX XXXX 's attorney has corrected the error, giving XXXX XXXX sole ownership of the property. An XXXX XXXX of XXXX is before the court awaiting the judge 's signature. Carrington should cancel the sale and allow this to occur in order to clear up this matter once and for all We therefore believe Carrington Mortgage to be guilty of fraudulently setting a sale date of this property as there are outstanding collateral issues that have not been resolved regarding this matter. Please provide update by either phone at XXXX or by email at XXXX Thank you, XXXX XXXX XXXX Utah XXXX XXXX
06/01/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 08081
Web
I am in need of immediate assistance with my mortgage company, Carrington Mortgage Services. I am behind on my mortgage and faced foreclosure which is a final judgment made. I went to a realtor and was attempting to do a short sale on my home as I thought that was the only alternative. Carrington said that since I have an FHA mortgage I had to go through a modification first. I contacted them and they sent me a packet that was to be returned on XXXX XXXX. I did that. I also sat with a HUD counseling agency, XXXX, and we both put all the paperwork together that was to be submitted by XXXX XXXX. When I sent the packet, I followed up and Carrington rep confirmed receipt of all my documents. During the gathering of the documents, a sheriff 's sale notice was taped on my front door. I contact the the sheriff 's office in XXXX, NJ and was advised to come in and apply for XXXX ( XXXX ) of XXXX ( XXXX ) adjournments. I did that on XXXX XXXX and continued to gather the documents to be sent to the mortgage company for the modification. On XXXX XXXX, I contact them and was told that they would not be reviewing my packet because it had to be in by 37 days prior to a scheduled sheriff 's sale which according to their records, is XXXX XXXX, 2016. I explained to the rep that I got an adjournment until XXXX XXXX. She told me to submit additional paperwork along with the sheriff 's sale notice of adjournment by XXXX. I did that. I then called on Friday, XXXX XXXX and was told that they still will not be accepting my application because it was too late and I did n't get the information in on time. I asked to speak with a supervisor and was transferred to XXXX. He told me to resubmit ( reapply ) my information and include ( again ) the sheriff 's sale notice regarding the adjournment. I did so after speaking with him. I also expressed my dismay and confusion as to why he 's asking me to do this XXXX by coming back and saying they wo n't review my information because I am too late and not within the time frame of 27 days before a scheduled sale. I tried to explain to him that the sale was postponed and they have that information in the packet I had to send on XXXX XXXX by XXXX. I even told him what page number it was on in the pdf file that was sent. He said nothing as if he was n't even looking at my documents. After getting off the phone, I cried. I then contacted the HOPE hotline and was referred to the HUD National Servicing Center to file a complaint. A woman left me a message from HUD today to tell me that she spoke with Carrington and they will not review my paperwork and are proceeding with the sheriff sale of XXXX XXXX. Someone please help. Carrington is n't even looking at my paperwork. I do n't know if they can proceed with the sale tomorrow given that I have an adjournment or not. I do n't know what to do at this point. I want to try to keep my home and realize I am going to struggle to do so, but where do I go from here? I need someone to really listen and help me. The rep from XXXX suggested I submit this complaint to your office so that you may be either able to help me or at least monitor what is going on. If you need additional documentation, I can send to you. However ; the file is large and will come in a zip file. Pls advise. Thank you so much for all you can do to help. Regards, XXXX XXXX XXXX
05/27/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • DC
  • 20018
Web
In XXXX of XXXX I refinanced my home with Carrington Mortgage Services LLC to consolidate debt and payoff credit cards. At the time I qualified for a XXXX ARM at 7.99 %. I made a plan with XXXX XXXX ( NMLS ID XXXX ) my loan officer to refinance out of the ARM to a Conventional Fixed Rate 30 year loan once my credit score improved. In XXXX of XXXX we emailed about this and I wa n't ready. Then on XX/XX/XXXX I received an email from Ms. XXXX asking me if I wanted to apply to refinance out of the ARM. I began the application process and sent her my income documentation, consented to a credit check, and submitted a package for underwriting. On XX/XX/XXXX I was advised to complete the My Loan Detail part of the process. I was unable to access the website and was told " it is that educational process where it explains how a mortgage works. They will waive it. No biggie. '' Also on XX/XX/XXXX I received a message from XXXX XXXX, the Loan Processor, where he stated " Congratulations on your overall approval from Underwriting! '' I was asking about this prior to paying for and consenting to the appraisal they ordered. The appraisal was complete and it was conditioned that I have to paint the exterior trim of my home due to peeling paint and the age of my home to comply with FHA guidelines regarding lead based paint. I was also informed I would have to get my spouse, who I am separated from, to sign the documents. I again informed Carrington of my pending divorce and that the purpose of the refinance was to fund the divorce settlement and that I would have to enter into an agreement with her to gain her consent for the refinance. I spent XXXX and XXXX negotiating a contract with her to hold the proceeds in escrow pending final settlement terms. I had the house repainted in XXXX and the home reinspected by the appriaser. On XX/XX/XXXX I received an email stating that the only outstanding item was the reinspection report and that they would be able to close with " 24 hrs for underwriting and 48 hrs for closing.If we were to receive the report today we would be on target for early next week. '' Then on XX/XX/XXXX I received a call from XXXX XXXX the regional sales manager telling me my loan had been denied due to my income and an error that was made on their end in the system. I submitted a formal complaint and was refunded the appraisal fee on XX/XX/XXXX. I also received a call on XXXX XXXXfrom a sales rep named XXXX XXXX who followed up with an email stating " I see your mortgage has been paid off and now is the perfect time to take equity out of your home at a low interest rate. If you want to do some home remodeling or debt consolidation now is a really good time to do so. If you are interested please give me a call back at your earliest convenience so we can go over a few options! '' Then on XX/XX/XXXX I received another sales call from XXXX XXXX, a loan officer, asking me to refinance. That same day I also received a Statemement of Credit Denial that failed to list a reason for the denial. It is my view that Carrington Mortgage negligently misled me and caused me to enter into a profitable product, 5/1 ARM, in bad faith and looked for any reason they could find to deny my application. As evidenced by their own denial letter, there is no other reason I was denied for this refinance.
02/28/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 601XX
Web
On XX/XX/XXXX my mortgage loan was sold from XXXX to Carrington Mortgage Services. I had not received anything from Carrington and called them on XX/XX/XXXX to make a payment where I was informed that my loan had been purchased and was still not implemented into their system. The representative went on to tell me that there was great news and I did not have to make ANY payment onto my account until XX/XX/XXXX. He stated that I would not incur any late fees or negative credit reporting during what he called a " grace period ''. I asked him to confirm that no payments were required until the XX/XX/XXXX date and he confirmed. He went on to tell me that a welcome package should be on its way in the mail. Fast forward to XX/XX/XXXX I begin getting telephone calls from Carrington 's automated dialer that always seems to hang up on me when I answer and in the mail I received communications from their internal debt collections department stating that I am facing a foreclosure for not making payments. Nowhere in my first contact with Carrington was I told that my account will have been considered past due beginning on XX/XX/XXXX when Carrington did not even have my loan information. Nowhere did they mention that debt collection activity would take place on this account with direct threats to foreclose on my property. I was provided with incomplete and misleading information by Carrington and then was harassed by their debt collectors. Sometime in XX/XX/XXXX Carrington sent me a letter regarding their intent to begin foreclosure on my property if no payment was received by XX/XX/XXXX which is six days earlier than the date I was promised I did not need to make payments by. I immediately called in and make a payment for the full past due amount. Next, after making this payment in full I received TWO certified letters that were received at the XXXX post office the week of XX/XX/XXXX stating that Carrington was intending to foreclose on my property. The letters were dated both XX/XX/XXXX. I find it absolutely mind blowing how it could take a letter over one month to arrive at my home address and the fact that there were two of these things just provides me with even more belief that this company has poor data organization mechanisms in place. After receiving these two letters I was beside myself and called to speak to a manager. I first spoke to a woman by the name of XXXX who said she can get me to a XXXX, I asked once again to speak to a manager not another phone representative but was told they have a " Process '' in place they need to follow. XXXX also told me that Carrington accessed a {$20.00} property inspection fee on my condo for the late payments that I was made to believe were in a grace period. She transferred me to XXXX who was not able to provide me with much help other than explaining the first consumer contact that I had on XX/XX/XXXX would be reviewed. I kept asking to speak to a manager and finally was transferred to XXXX who sounded like he could care less to speak to me and said the {$20.00} property inspection fee could not be waived unless I send in a signed letter to start a dispute. I kept asking for the call to be reviewed while I waited but was told that was not possible. I told XXXX that he was not helping me and he stated that he was in the most careless tone.
04/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89012
Web
I recently refinanced my loan and already into the first month of servicing with Carrington Mortgage Services , LLC, I'm already having issues with them. Do date, I've sent 2 Principal Reduction Payments and both times they have misapplied, and misposted my payments for principal reduction. The first mishap was XXXX ; they applied my PR check as a mtg payment, I contacted them and they said they will reverse it and apply it as PR within 3 days. 3 days turned into almost 3 weeks. They finally applied the PR as I intended on XXXX to show a loan balance of XXXX. During this time frame, I probably called 3 times to follow up and the last time I called to follow up they said it would take about 3 weeks, not 3 days to be corrected, but 3 weeks when my check was clearly marked as Principal Reduction. During this time frame, I did not make my mortgage payment since I have a grace period until the XXXX ; because I wanted my payment to be applied towards the correct Principal Loan Balance. Also during this time frame, I was able to make a Second Principal Reduction check which Carrington received on XXXX. They said in order for me to avoid having to call and follow up on Principal Reduction payments, I would need to send it to their XXXX, CA address since they handle PRs directly. I did this, and to my surprise, my principal Reduction check was cashed and cleared but NEVER posted or misposted. I called after the 4th business day of them receiving my check onXX/XX/XXXX and they said the check is an a suspense account. The amount does not reflect in a suspense account on my online account. They also said I can not make a Principal Reduction payment until they process my mortgage payment because I have to follow FHA Payment Guidelines. I let them know that my loan is NOT an FHA loan and my indication for the payment was to be applied as a principal reduction. Carrington refused to correct and post the {$1000.00} Principal reduction to my account. They insisted that I am subject to FHA regulations for posting of my payment and said I'm subject to a payment Hierarchy stipulation where if a payment is due, I can not make any principal reduction payments. I asked for them to tell me when was this disclosed to me and they were not able to give me an answer but that I can order that disclosure and it can be mailed to me. As far as I am concerned, my contractual agreement with the Lender is my Note, and in my Note, it indicates I can make principal reduction payments and I have a grace period of making monthly mortgage payments by the XXXX of each month. In my opinion, If am able to make principal reduction payments, then there should be no concern that I am able to make mortgage payments. So far, I've made 2 Principal reduction payments and both have been misposted and misapplied. I am very concerned for other homeowners that make these principal reduction payments and their funds are being misapplied as their intentions indicate on the payment that Carrington is receiving. To date, my account is still not reflecting the correct principal loan balance that should be XXXX, of which my XXXX payment should be deducted from. Carrington does not have good servicing practices and every time I talk to a Customer Service rep, their so called " policies '' are turn around times are different.
01/03/2020 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28110
Web
on XXXX XXXX i was discharged from chapter XXXX bankruptcy and was told to start making my mortgage payments to carrington mortgage services , llc ( a DEBT COLLECTOR ) in XXXX, ca. on XXXX, XXXX. I did just that. my first statement was already in default just as my loan was when they bought this debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca. ( another DEBT COLLECTOR ) WHILE IN THE MIDDLE OF MY BANKRUPTCY CASE. XXXX XXXX XXXX is suppose to be my current mortgage servicer according to MERS. what carrington mortgage services , llc has failed to do was to correctly post my payments and when i spoke with them in XXXX. XXXX about double payments that i sent to them, i was told to fax them the proof knowing all alone that they had received the 2 payments. they finally admitted to taking out fees of XXXX that they could not tell me for what. i later spoke to a supervisor that told me that " well there was not a payment due at that time therefore, they took the fees out of my early XX/XX/XXXX payment then applied XXXX to my principal and only XXXX knows where the difference of XXXX went because the check was for XXXX i could go on and on, so to make this short as possible i got so angry with them and the wrong amounts every month on my statements until i decided to quit sending them my payments hoping to get some help and answers if and when they were to take me to court. i found out that wasn't the answer because when i ended up in court on XX/XX/XXXX it was for a hearing to begin a foreclosure process and i couldn't get the answers i needed and the hearing was postponed until XX/XX/XXXX. so i immediately decided to send them the default amount that i did not agree with just to bring the mortgage out of default. a few days later they sent me a statement asking for my regular month payment and XXXX in fees, so i sent them all of that, still not knowing what to expect next. well, on XX/XX/XXXX they sent me back 5 months of payments and said for me to contact their foreclosure department to make approved payment arrangements. please tell me why they would not just accept the default balance and fees totalling XXXX which would have brought me current with my next payment coming due on XX/XX/XXXX and a foreclosure date of XX/XX/XXXX that i was hoping could be cancelled do to me clearing up the default. i don't know how this all works, i really don't understand but i refuse to hire a lawyer that i can't afford for their errors. i admit my wrong for not paying and i take full responsibility for that and i'm now suffering the consequence. my complaint is this is a debt collector that bought this loan while it was in default and has kept it that way to keep me paying over and above what i should be paying due to poor bookkeeping and excessive fees. my statements as well as when i have called them in the past states that they are a debt collector and that they are in no ways attempting to collect any debt from me if i am in active bankruptcy or have been discharged from a bankruptcy. then why am i paying them in the first place and why are they causing me so much pain and heartache trying to take my home? i can't and will nolonger talk to these people and my understanding is that they only want my money then why did they refuse it and is still trying to take my home? please help!
11/09/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 95132
Web
" DUO TRACKING '' While progressing with our Loan Modification proceedings, our home located in XXXX, was unlawfully SOLD and FORECLOSERED during a Trustee 's Sale ( presumably ) on XXXX XXXX, 2015. The foreclosure proceedings were initiated and driven by the Carrington Mortgage Services ( identified herein as : " CMS '' ) and specifically, by the CMS ' Foreclosure Department. This illegal raid took place at the same time as we were holding in our hands an official letter from CMS titled, " Formal Appeal Notification - Appeal Accepted '' dated a two weeks prior to the Trustee 's Sale. Naively, we did nothing to prevent this ordeal because we trusted in a significance of the Appeal Approval letter. Then later, it became obvious to us that while dealing with the CMS ' Home Retention Department to finalize our Loan Modification Application - on one hand, the CMS ' Foreclosure Department conspired to proceed - on the other side - with a foreclosure of our property using a deceiving " back door '' hidden routine. Our " presumption '' comes from a continued uncertainty as we are dealing with CMS. Since the acceptance of the " Appeal Approval '' letter, we did not receive any other notification or correspondence of any kind from Carrington Mortgage Services. This type of CMS ' misconduct is leaving us in a deep physical distress and emotional limbo especially now when we are not sure of our foreseeable future. We still have our valuable belongings there ( in and at the house ) that need to be protected and secured. We need a significant amount of time to act upon but again, it is imperative to know which direction we should take. With their wide spread discriminative, dishonest and illegal agenda, we 've become victims of a predisposed and prejudiced practices of the Carrington Mortgage Services , LLC. And for that reason, we are seeking a Legal Representation against the CMS Company. The damage inflected by CMS ' action is far-reaching and does have a negative impact on every aspect of our lives. CMS must and will be hold accountable for everything they have done wrong. BRIEF OUTLINE OF THE COMPLAINT : DUO TRACKING : The house was foreclosure-sold by one department during an appeal process conducted by another department of the same CMS Company LACK OF COMMUNICATION : No communications of any kind since the " Final Appeal Notification - Appeal Accepted '' letter of XXXX XXXX, 2015Slow or no communication during the entire Loan Modification processIntentional delaying important documentsDisregard to a request to continue a two-way communication MISMANAGEMT : A severe impairment of communication between XXXX of the " Single Point of Contact '' Representatives and their Management within the same department FALSE ACCUSATIONS : Notorious dismissal of mail delivery and the correspondence reception even being proved otherwise FALSE AND MISLEADING CLAIMSUnjustified claims of a rental property without prior verification and this was leading to a Loan Modification application denialDeliberate dismissal of all truthful statements DISTEGARD TO A FINANCIAL HARDSHIP ' LOAN MODIFICATION APPLICATIONDismissing the plea to modify the monthly payments to the level that can be maintain without financial burden. House was sold for a fraction ( 30 % ) of what we have asked for to modify
09/21/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 19151
Web
I went through a loan modification several times on my own. I thought I could handle it. My father died seven months after his wife. His mortgage went into foreclosure after her death because the person handling his affairs didn't pay any of his bills associated with his property. So, after several mistakes applying on my own, I finally received help from a housing counselor and was approved for loan modification. I passed the trial period with flying colors and paid the mortgage on time for the past four months. This entire process had been one long traumatizing year. FHA approved funding for mortgage payments in the rears. I only needed to provide additional documentation for a permanent loan modification. Nonetheless, the mortgage company requested probate paperwork, requested that I transfer deed into my name as the administrator of my fathers estate, and a copy of my step mothers will. All requests were made over the phone and never in writing by several different people ( XXXX XXXX, XXXX XXXX, and God only knows who else ) each requesting different things and never for the same reasons and some offering legal advise or a denial asking for will. Nevertheless, I complied despite confusing answers ( one gentleman told me I had to get the paperwork in right away and XXXX XXXX said I had thirty days ) ; these two particular phone calls occurred consecutively over the course of two days. However, I was constantly called by different people often to the point where it almost felt like harassment ; for a lack of a better term. Still, I requested instructions in writing and they refused to provide them. While in court I received a call from XXXX XXXX on XX/XX/2019. I told her I was in court about the property and I would call her later. I called her back XX/XX/2019. Upon returning the call I was informed that my permanent loan modification had been denied because I had not provided the documentation in a timely fashion. I informed her that, I had in fact done so, and that I had also provided that same information to the mortgage companies attorney. Then, the reason for denial changed to a lien on the property. I wanted to know which one was it because I had never received any information in writing pertaining a lien and they claimed they had sent it to the property on XX/XX/2019. So, then XXXX XXXX emailed a paper to me that same day in a matter of sections about the lien. Nevertheless, I had received a call from a women named XXXX around XX/XX/2019 telling me that she had found a lien but that she had resolved the issue and I had nothing to worry about, the lien had been satisfied, and she told me if I had any problems in the future all I had to do was call and ask for her because she was the only one in loss mitigation with the name XXXX who did title searches, and she said she would remember me because she had to work really hard to resolve this issue with serval phone calls and due diligent research. By the way, The mortgage company is now also refusing to provide specific information about the lien holder, authentic contact information so I can dispute and or authenticate the lien and they told me on XX/XX/2019 that the house was back in foreclosure and going to sheriff sale immediately. Now, I am being forced to spend money, I don't have, to retain a lawyer!
09/16/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77706
Web
Addendum : ( to prior complaint ) COVID-19 Advance Loan Modification FHA is also introducing a new home retention option, the COVID-19 Advance Loan Modification ( COVID-19 ALM ). The COVID-19 ALM will offer significant payment relief to eligible homeowners. The COVID-19 ALM will be offered to borrowers currently 90 or more days delinquent or at the end of their COVID-19 Forbearance. This new home retention option is for those homeowners whom a 30-year rate and term mortgage modification will bring the mortgage current and will reduce the Principal and Interest portion of their monthly mortgage payment by at least 25 percent. Mortgage servicers must review their FHA servicing portfolio and offer the new COVID-19 ALM to distressed homeowners with FHA-insured mortgages who have faced a COVID-19 related hardship. To accept the modification, borrowers need to only sign and return the mortgage modification documents to their mortgage servicer. All loss mitigation options will remain available to borrowers that do not accept the COVID-19 ALM for any reason. Borrowers who can not make the modified mortgage payments with the COVID-19 ALM or who have other questions should reach out to their mortgage servicer to learn about other options that are available to them. +++++++++++++++++ At the begining of the week when I called into Carrington being proactive and as urged to do from the guidance I have read my first point of contact was CSA XXXX with ID No. XXXX Told me directly that I was considered and processed for the Covid-19 ALM. That I did not qualify and they were trying to place me into a Modification. I was surprised because I reviewed the eligibility for the Covid-19 ALM and met all 3 reqirements : 1 ) owner occupied 2 ) 90 days delinquent 3 ) PMMS Rate rounded to nearest 1/8 %. Her tone was very demeaning ( all on a recorded line ) in that CMS was doing me a courtesy that they really did not have to help out at all. Not sure where she was comimg from or if she is aware of President Bidens guidance and CFPB 's postion, Also, this review was supposed to be done by no later than XX/XX/XXXX and for certain 30 days before the forbearance ends. Mine will be ending in 14 days and per Mrs.XXXX ( XXXX ) in Special Services Division, point of fact " I have not been '' condidered for a Covid-19 ALM and Ms.XXXX ( XXXX ) had mislead me and basically outright fabricated the truth ( mislead ) to me in saying I was submitted for a Covid-19 ALM and I wasn't. XXXX said she doesnt even have the ability to see that in her system because she doesn't have access to that information.This makes it even more egregious that a CMS CSA would just make this up or pull it out of thin air ... a complete falsehood and cause further distress to a struggling homeowner. I was promised a call back from a Mr.XXXX Sick that day but that call has never come and my forbearance will be ending in 14 days and I am eligible for a Covid-19 ALM that was supposed to be completed approximately 2-3 weeks ago and it still has NOT been completed. This is very disturbing and disheartening for my family. Furhermore, this is exactly what type of bad behaviour Director XXXX would be looking for and it would not be tolerated. Hopefully this will get remidied poste haste. Warmest regards, XXXX XXXX
01/26/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IL
  • 62040
Web
I am writing you today over concerns that Carrrington Mortgage is taking advantage of their customers misfortune during this pandemic to put more money in their pocket. Before the pandemic, I only owed {$5100.00} on a mortgage, now after going through Carrington 's Mortgage Assistance process they assert that I owe them {$15000.00}, and if I don't pay-up soon they're going to foreclose and kick my customer 's family to the curb. In early XXXX, shortly after Covid was declared a pandemic, I informed Carrington Mortgage that my business income had been severely impacted by the pandemic. Carrington directed me to submit an application for a loan modification through their Mortgage Assistance program. I was assured all collections would be put on hold until my application was reviewed and they proposed a solution. Yet it later came to light that Carrington Mortgage already knew at that time that I would not qualify for their program, a fact they failed to disclose until after they had already dragged out the Mortgage Assistance process for nearly a year, tacking on additional fees every step of the way. This was just the first act of Carrington Mortgage 's scheme of deceptions and misrepresentations used to lead me on while they locked me in debt : 1. Carrington Mortgage would send numerous notices claiming my application was incomplete and additional documentation was required ; yet these notices made no indication of what documents we're missing and indicated no remedy other than make a lengthy call to their call center. 2. As there was no dedicated loan officer assigned to my loan, I had to speak to Carrington 's call center operators who could provide little information on why my application was incomplete, often requesting that I send documents which they had already received. Upon my inquiry, Carrington 's representatives would sometimes find the documents explaining they had been misplaced in their computer system. 3. On multiple occasions when it appeared I had finally jumped through all the hoops to complete my application, I would receive notice that my application for mortgage assistance had gone stale ( was too long outstanding ) and had been canceled. Upon contacting Carrington representatives, I was informed they do not save any information from canceled applications and I would simply have to start over from scratch. 4. While Carrington dragged out the loan modification process for nearly a year, they silently accrued fee after fee to tack onto my loan. Carrington Mortgage acted like they were on my side, were sympathetic, and were seeking a mutual solution to the loss of revenue caused by the pandemic. In actuality, they were just jockeying to put themselves in a prime position to bury me in debt and foreclose on my property right before I had it paid off. I dispute that I even defaulted in the first place, I made so many extra payments pre-pandemic I had the principal balance paid ahead until XXXX, but that didn't stop Carrington from taking advantage of my misfortune during the pandemic. I would welcome the opportunity to speak to you in more detail about my story. These deceptive banking practices need to be exposed before more people are taken advantage of during this pandemic by large banks. Best Regards, XXXX XXXX
06/29/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 11727
Web
Misunderstanding, updates to training and programs and so much happen during catestrophic times. Today XXXX a senior resolution specialist confimed on a recorded line that Carrington does waive late fees without need of a forebarance and that they do consider home owner assitance without being 30 days behind. I have been told for past 8 months that I am not allowed a forebarance because I signed up for one over interenet because of customer service agent directing me to an online form to sign for late fee removal. I advised I didn't need forebarance help and would make payments each month but they said this is how late fees are removed and who am I to question that and despite not reading teh form as I filled out in good faith thinking this is company policy on late fees. Which it wasn't and consequences of having a forebarance on your name despite never using it and always is detrimental as I have been told taht time counts against you and XXXX in future when you need help it will not be considered if the 2 years of fore then 3-6 month of modification have been used up. I did not use that and alwasy made my payments when I said I would. NOw they have hurt my and treated me like a money sign getting funds from FHA to even recoup late fees when I could've paid that at end of my mortage at worst case, no one would use up help time for a late fee when there is a limit, that is dumb and unwise and no mortage holder with on time payment for over 11 years would consider that. THEy have acknowledged and seen that I neither needed nor used a forebarance and was honest and forthright at all times and despite no one has done the right thing to help in anyway and would subject me to go 30 days late and ruin my chances of getting work as a XXXX XXXX at banks I apply to. I have explained myself for months sent in letters and put in all the time and good faith effort to resolve this amicably and ethically. BUt to me its clear they fraudulently made me sign a form that I had no buisenss signing as I clearly said I don ; t need that and still suggested and advised as taht was norm. Living in a time where you can possible loose your life and get sick in COVID and also loose your job any day and so much XXXX and stress and mental anguis with a XXXX XXXX XXXX, its common to take customer service advise and call in for help and do what they say. IN finances everyone bhas to act in good faith and they didn't act in good faith with me instead they found the easiest solution for them to keep their funds and contact fha for late fees. Which is heinously unethical and fraudulent for my life and family life. please help me understand how resolution specialist and research team would not have come with this solution earlier when clearly I have never wanted to take advantage of anyting but have called in for customer support and service information but have given me such little info almost to do on purpose what in their best interest instead of listening and executing what's in my best interest that will help me then without hindering my rights in future. Instead they acted in their own financial interest to get as much from agencies as possible and took advantadge of fact I never considered I would need help nor even miss a payment or not have my job.
09/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 443XX
Web Older American
XX/XX/XXXX Consumer Financial Protection Bureau Complaint : My mortgage is being threatened to be placed in Foreclosure despite the facts that : 1- I am both following and compliant with all the terms of the original contract. 2- All monthly payments have been made in a timely fashion, since XX/XX/XXXX. 3- Carrington has refused to deal with me, in this on-going matter, in a good faith manner. Type of Problem The mortgage servicer ( MS ) has refused to deal with me in a fair and prudent way. What Happened? IN XXXX of XXXX, I was informed by the servicer that my monthly payment would be increased by 20 plus percent starting in XXXX of the same year. On XX/XX/XXXX, an immediate response was Faxed ( see attachment # 1 ) to the servicer requesting justification for the significant monthly increase. On XX/XX/XXXX, another written communication was Faxed to the servicer ( see attachment # 2 ), this response was to the MSs reply to my XX/XX/XXXX communication which informed me that the increase in the monthly payment was due to an escrow deficiency ( ED ). Even though, a copy of the escrow analysis was sent to me ( subsequent to the XX/XX/XXXX communication ), it wasnt until a phone conversation with one of its customer service representatives ( XX/XX/XXXX ), that it became clear that, the ED resulted from several new hazardous Insurance payouts to XXXX XXXX XXXX [ XXXX ] ( twice the amount of my authorized hazardous insurance carrier cost ). In XXXX of XXXX, I retrieved a refund from XXXX in the amount of {$2500.00}. This refund monies were forwarded to CMS ( XX/XX/XXXX ) with the following instructions and requests : That the monies be put back into my escrow account. That an immediate escrow analysis be conducted going back to XX/XX/XXXX. That my monthly mortgage payment be reduced to the amount it was prior to XX/XX/XXXX ( refer attachment # 3 ). Despite my having recovered the unauthorized disbursements ; and requesting an immediate review of my XXXX escrow analysis ( which triggered the significant increase in my monthly payments ) and my requesting the reversal of this increase, the MS ignored my request and continued to threaten foreclosure and continued imposing the 20 % plus monthly increase. Consumer Financial Protection Service 2 The MS continued its refusal to conduct an escrow until XX/XX/XXXX. Subsequent to this analysis, it acknowledged that my escrow account was not only fully funded but contains a {$2500.00} surplus. The MS informed me that, as of XX/XX/XXXX my monthly payment would be decreased to {$480.00}. However, the MSs Representatives insist that I pay the 20 % plus monthly amount, in addition to other fees and penalties ( Covering the period from XX/XX/XXXX XX/XX/XXXX ). The MS refused to refund me the {$2500.00} ( in my escrow Account ). I am requesting that the MS not only refund me the {$2500.00} surplus presently in my escrow account but also cease and desist imposing the 20 % plus monthly payment, and any fees and penalties attached from XX/XX/XXXX XX/XX/XXXX. What Company Compliant is About : 1- Carrington Services , LLC XXXX. XXXX XXXX XXXX, IN XXXX 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Who are the people involved?. Agents for Carrington Mortgage Services, LL C
02/14/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 36701
Web
I am writing to Dispute two letters I received from Carrington Mortgage. I have attached both letters and documents for review to support my dispute. The Servicing of my home loan with XXXX XXXX XXXX was transferred to Carrington Mortgage Services , LLC on XX/XX/XXXX. ( Please See Attached Document A ). Under this Contractual agreement My monthly payment amount should not have been affected by the transfer. In fact, my payment amount was changed, and this caused an effect with my monthly payments. Due to this change my payments were forced into unapplied funds and caused my payments to be thrown off. This change also caused my account to become delinquent, and payments that I paid to also disappear. I have also attached an example copy of A notice of a Mortgage payment Change form ( Please See Attached Document B Part 1 ) Under Bankruptcy Court this form is to be filed when a payment change is done. Carrington did not complete this process. My Bankruptcy was filed with XXXX XXXX XXXX on XX/XX/XXXX. The first Payment was due XX/XX/XXXX for the amount of {$670.00} not {$680.00} ( Please see Attached bank statements outlining these dates ). My mortgage payment was changed in XXXX, and I was forced to make 4 payments in the amount of {$670.00} which should have been {$640.00}. I was forced to pay the increase. ( Please See Attached Document B Parts 2, and 3 ). On XX/XX/XXXX I received a notice of intent to foreclose. ( Please See Attached Document C ). According to Carrington I was in default for three Monthly payments due on or after XX/XX/XXXX for the amount {$1900.00} with {$280.00} held in unapplied funds that belonged to me. There was a payment plan made with Carrington in XX/XX/XXXX. I made my payment on time in the amount of {$640.00} plus {$1000.00}. XX/XX/XXXX, I made another regular payment in the amount of {$640.00} plus {$300.00}. XX/XX/XXXX, I made another regular payment in the amount of {$640.00} plus {$300.00} ( Please see Attached bank statements outlining these dates ). I have been cheated and defrauded by my mortgage company. I have been forced to pay more money than I owe. I am also being harassed and threaten starting Before, during, and after my bankruptcy discharge. I am still being charged for inspection fees, and I was forced to make a payment in the amount of {$60.00} for XX/XX/XXXX. It clearly states in the discharge notice from my Bankruptcy that, Any Creditors who attempts to collect a debt after receiving a discharge notice can be fined. Another example of these harassments includes reporting false information to the credit bureaus. ( Please See Attached Document D ). On XX/XX/XXXX Carrington Mortgage reported incorrect past due balances of my account that was included in Bankruptcy. I filed a separate dispute with the Credit Bureaus, since then has been removed from my credit report, but the aggravation and the impact that my credit score has taken since then is still being affected. This is another example of the hardship Ive suffered. I owe no debt ; therefore, I am requesting all the money that was wrongly taken from me back, and I would also like to compensated for anxiety and stress. Ive included Documentation to support my claim. If anymore information is needed please feel free to contact me.
03/29/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 290XX
Web
For the past few months I have filed complaints regarding the service ( r ) of my mortgage. My loan was transferred in XXXX 2015 from XXXX to Carrington in which I was 60 days past due, but making one payment each month. Each complaint was answered with the response that stated it was the same as the previous complaints. However the complaints were indeed separate or unresolved. I filed a complaint regarding them refusing to assist me with my mortgage payments in XX/XX/XXXX. In which I received a response in XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint about payments not being applied that were sent using their third party. I sent documents supporting them through CFPB as well as by fax and email and those have gone unanswered. Then I sent a complaint stating that the refused payments went undocumented by their representative. The company instead of choosing to follow loss mitigation options decided that as a result they would begin foreclosure on my USDA rural property because they intended to act on the " letter of intent '' which I did n't receive. I also believe they retaliated against me because I filed the complaint, and requested a cease and desist from phone calls not letters. My account as of the statement date XX/XX/XXXX was 78 days past due. I made a payment that was never recorded on XXXX as well as on on XX/XX/XXXX. I then received a response to a complaint that said as of XXXX XXXX 2015 my loan was referred for foreclosure. I completed the RMA and was denied. I submitted the RMA the second time, and it revealed I was approved. However, a representative from the company falsified records stating we agreed upon the 5 month plan without ever speaking with anyone. When I asked for all of the calculation documents I was only given a final calculation sheet, and when I asked for a breakdown of all of the figures the requests have gone unanswered. I also asked to see all of the options the account was considered for in writing to make sure we were given the best possible solution it went unanswered. After reviewing the USDA Special Loss Mitigation overview for SFHGLP ( I think this applies to me ) the servicer has failed to many of the responsibilities or requirements. Especially the foreclosure option which outlines The servicer must have considered all feasible loss mitigation options before initiating foreclosure. The servicer must document all of the options it considered and retain such information for Agency review. If the borrower has abandoned the property, loss mitigation home retention alternatives are not options before initiating the foreclosure. It would be dishonest of Carrington to state that they could n't reach out to me because I was always contacting them to address my default. I have spoken with countless people at Carrington including managers, advocacy, loss mitigation, and SPOC. I even emailed the president of servicing. They stand behind a foreclosure that was recommended, but put on hold less than 8 days after referring it, and continues to charge the account for those services. They all claim to review the account siting no wrong doing on Carrington 's behalf but contend that it is my fault because I should have paid the total amount due on the bill or else this would n't have happened.
08/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 117XX
Web
In XXXX of this year, I received a notice that my mortgage payment was increasing by {$53.00} due to a forecasted escrow shortage effective XX/XX/18. My mortgage payment is set up to be paid automatically from my bank on the XXXX of the month which is the day that I get paid. My mortgage was sold to this company years ago and I have never had a late payment. I honestly forgot about the increase because I didn't look at the monthly statement and my regular payment of {$3200.00} was mailed and received by Carrington Mortgage Services on XX/XX/18. Around XX/XX/18 I received a call from the company saying that my payment was late and that I didn't make a payment. The representative I spoke with confirmed that they had indeed received the payment timely but that since it was short {$53.00} they posted it to 'unapplied ' instead of to the principal, interest and escrow. He said he was going to apply it and I told him I apologized and would mail the balance, including a {$65.00} late fee I didn't feel I should be responsible to pay. I received yet another call in XXXX on the XXXX saying I still hadn't paid my XXXX or XXXX payments which I explained to the woman on the phone I had paid both. I checked my account and the check for XXXX and XXXX as well as the additional amount that I owed all had cleared the bank. On Saturday XX/XX/XXXX I received 6 letters from the bank, 3 certified and 3 regular mail that my house was going to be foreclosed on for failure to make my required mortgage payments. All of this for {$53.00}???? I then received an alert that same day that my credit score went down 80 points because of a late payment to Carrington Mortgage Services. I was furious as not only had I made a timely payment of {$3200.00} albeit short {$53.00} they are treating me like a delinquent. I have been with this company ( not my choice ) for years and never made a late payment. I had 0 late payments on my credit report and now I have this one and it has destroyed my credit. I can't get a new mortgage and I can not co-sign a loan for my son. This is horrendous. I sent an email and a letter to the research department at Carrington as instructed disputing the late payment and requested that they remove it and update my report. They responded yesterday saying that they will not fix my report and that it is what it is. I called them today and spoke with 3 different people in customer service and they each said that while it is an unfortunate situation they are only abiding by the law and can not remove the late payment as it would be fraudulent. How could it be fraudulent if it wasn't late? I am not denying that it was short {$53.00} dollars but it was just an honest oversight and I am being punished as if I am late on every payment I make. The customer service representatives would not allow me to speak with the research department as they said they do not have a recorded phone line so they instructed me to try and dispute it with the credit reporting agencies directly. I am filing a complaint asking for assistance in getting this late payment removed from my credit report because I have proof from them that they received the XXXX payment on XX/XX/XXXX yet are still saying it was late because they didn't post it until XXXX ... ..
08/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Trying to communicate with the company to fix an issue with the application process
  • IA
  • XXXXX
Web Servicemember
on or around XX/XX/XXXX I SUBMITTED AN APPLICATION FOR A VA loan. MY CREDIT was run as they stated in application and on XXXX i received and email from XXXX XXXX, stating they has recieved my application, as below states from my email. Thu, XX/XX/XXXX at XXXX XXXX Good afternoon XXXX, Congratulations on taking the next steps towards homeownership! We received your application and your loan officer XXXX XXXX will be in touch soon. Carrington is a complete homeownership company, so we can assist with all aspects of the home buying process through our affiliated companies, XXXX XXXX and XXXX XXXX. If you arent already working with a real estate agent, we're happy to introduce you to one of our affiliated XXXX XXXX agents to help you get started on the search for your new home. Please let us know how we can assist you throughout the process our concierge team is available to answer general questions and to make this an overall seamless experience. We look forward to working with you! Thank you, XXXX XXXX XXXX ( XXXX ) XXXX XXXX it also stated i would hear from my loan officer, XXXX XXXX XXXX, in which i did but missed his call and he sent an email which i enclose below, XXXX XXXX, I was unable to reach you previously and checking in now to see if today would be more convenient. Please call me directly or simply reply to this email with the best time to discuss your home financing options. Have a great day. Thank you, XXXX XXXX XXXX XXXX XXXX Loan Officer, Retail Center, Purchase Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States XXXX XXXX ) XXXX XXXX in which i replied back to as follows : Thu, XX/XX/XXXX at XXXX XXXX Afternoon XXXX, I called the number that was listed on the above email from you this morning and left a XXXX because it said your not available. i called around XXXX this morning. i would like to discuss my application and see what we can can up with. i am available anytime after XXXX. Thank you for your time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX i didn't hear back and just been the same again and again. i emailed again to the XXXX and actually received an email stated the i would hear from XXXX soon, but i missed the call, my fault. i have tried returning calls but all i get is XXXX and have left messages and other times i hung up. today i tried calling to get information and again XXXX and left another message, that was XXXX XXXX XX/XX/2023 this morning. i also sent a message to XXXX which follows : XXXX, XX/XX/XXXX at XXXX XXXX Hi, I have been trying to get a hold of my loan officer XXXX XXXX XXXX. i have returned calls and sent emails to no avail. can i have someone at Carrington to give me a call, i have a question that needs asked. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX all again to no avail. i have offered to take out a new loan or just assume the mortgage loan of my parents estate so i can keep my inheritance. I am a XXXX XXXX XXXX Veteran and tried working this out. i have heard nothing from my credit check which is in good standing and have even offered to pay the outstanding amount {$5800.00} on my parents mortgage due to their passing away. there is no reason we can not come to an understanding to work this out.
10/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 270XX
Web
I made payments as stated from Carrington Mortgage to get my account current. Was directed to make an extra month payment as well. XXXX and XXXX payment was made online and cleared from bank account. I saw an additional amount due on my account in XXXX and asked what the amount was for. The representative could not tell me and told me that I had to ask a specific question due to the notes on my account. So I asked directly what is the additional charge showing on my account and why has n't the mortgage payment that was paid ( extra ) not applied to my account its still sitting in the unapplied funds. The representative said that they were waiting for the XXXX payment to be paid before they posted the ( mortgage payment ) unapplied funds to the account. He then stated that he could not explain the charges on the account that if I wanted a break down that I would need to request that in writing and mail or fax that request in. I said that by law you have to explain all charges to me and I must be notified in writing as to what charges are being placed on my account and for what reason. He then said for me to call back in a couple of days for an explanation after the funds have been posted to my account. I called back and basically got the same excuse that they could not tell me what the charges were for and that I needed to request it in writing. I requested this is writing and sent this request in as directed to do. I never received a response. In XXXX I received a letter stating that I have not made my XXXX payment nor XXXX ( sitting in unapplied funds ) and they charged me additional fees such as property inspection fee, attorney fees, title fee, and so on. I completed the paperwork that was included for a payment plan or modification just to prevent a foreclosure procedure until they resolve my account. I found a contact number for the Mortgage assistance department and emailed them the details as well trying to get a resolution and he emailed back a response stating they received my paperwork, apologized for the issue, and said that someone would be in touch with me after they investigate my account. No one has contacted me concerning my account. I received another letter shortly after stating that I was behind on my XXXX and XXXX payment, when XXXX was sitting in the unapplied funds. I then get another letter stating that they do not have my social security number and that if I do not provide this that I can by charged a penalty fee from the IRS. If they do not have my social then how are my payments being applied to my account correctly and what was transferred over from XXXX XXXX XXXX when they sold my mortgage. How do I know that all of the funds on my account was correctly posted and I am not being charged incorrectly or fraudulently. I am not getting any results at the moment from Carrrington Mortgage and I have found that recently others are going through the same situation as I am after their mortgage was sold to them. I feel that I am also being discriminated against because we had to file bankruptcy which has been finalized, but I am still being treated as if I am currently in XXXX. Also no Customer Relation Manager has contacted me as I was told I would receive some type of contact from.
09/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77706
Web
XXXX XX/XX/XXXX Re : Covid-19 ALM This morning I reached out to servicer of my loan at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I spoke to CSA XXXXXXXX XXXX. I asked her if I had been evaluated for the above modification. She indicated that yes, affirmatively but I was NOT approved. She indicated that they were considering me for a stand alone modification.But they were stuggling to get me into that... She also made it clear that this was all a courtesy from CMS. They are not required to assist. Evidently she is not abreast of the legislation and CFPB 's voluminous publication directed at all servicers in the industry. For some reason my gut feeling told me to call back and dig a little deeper.The letter I received today dated XX/XX/XXXX indicated my Covid Forbearance is ending in 16 days. Ultimately I was able to speak to someone in Special Services name XXXX ( XXXX ) who told me, no sir, you have NOT even been evaluated for Covid-19 ALM. If you were I would see it in my system. XXXX was incorrect. However, XXXX was very sure of herself and there was no discussion. My other issue is per HUD/FHA guidance the customerMUST be evaluated for this option 30 days before expiration of forbearance. In fact there is another area that indicates evaluation for C-19 ALM must be done on or about XXXX XXXX well we are way past that at this point. The Covid-19 ALM is very beneficial because it lowers the P & I portion of the mortgage by 25 % in my case saving us about $ XXXX. This is a huge amount that would cover a good portion of our monthly grocery bill. XXXX indicated that a XXXX XXXX would be calling me back to help me make this right if you That was at about XXXX CDT. I gave them 2 numbers to reach me at. They are there from XXXX to XXXX E.S.T. Well that critical call from my perspective, never came. So tomorrow, there will be15 days left before my forbearance ends and we have never made any substantial progress.Director XXXX made it clear early on that this type of chicanary would not be tolerated and they will be watching very closely if I am not mistaken. Hopefully, you have someone that can review this. I have spoken to : XXXX XXXX XXXX Senior Litigation Counsel, XXXX Consumer Financial Protection Bureau XXXX : XXXX Mobile : XXXX XXXX XXXX Who called me last XXXX asking me if I would voluntarily speak to him basically about how CMS was treating me. He indicated I was most helpful with the information I provided. Well now, I need him to return the favor and look into why CMS is not following the rules and guidance given to them. As for the eligibility for the Covid-19 ALM I meet all requirements ; ( B ) Eligibility The Property may be owner-occupied or non-owner occupied. The Borrower must be 90 or more Days Delinquent. A 30-year Loan Modification at the most recent XXXX XXXX Weekly Primary Mortgage Market Survey ( PMMS ) Rate rounded to the nearest one-eighth of 1 percent ( 0.125 percent ) will achieve a minimum 25 percent reduction in the Borrowers monthly P & I. So maybe XXXX can nudge/give them a pep talk to get me considered for the Covid-19 ALM so my son and I can have peace of mind ... and remain in our family home where we have resided for the past 14 years. Warmest regards, XXXX XXXX
01/20/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37042
Web
I filed a complaint previously, because it seemed that Carrington Mortgage services had no interest in assisting customers. Upon receipt of the complaint I received a packet from the " customer advocate '' who did nothing more than resent all communications from the time they took on my loan, not helpful at all. This not withstanding not documented that when I did call to may the payment I agreed to pay I was not able to reach the department, and the department I did reach refused to transfer me stating that the system would not allow them to transfer the call. The letter also stated I called to pay {$1200.00} that is inaccurate and I did not make the payment to the person I spoke with, as they told me the funds would not be applied and may be returned. I reached on on XXXX/XXXX/17. After calling and having the call disconnected several times when I entered the last XXXX of my SSN, I spoke with several people in several departments all giving my very conflicting information. XXXX XXXX in the Customer Advocate department assured me I could pay 3 out of the 5 payments in an attempt to get my account current, he also said they would put the fees and charged aside so I could concentrate on getting the account caught up. He told me to call home retention, home retention said she could not assist me because I have a XXXX request that was incomplete. I informed the rep I had no knowledge of it being incomplete as I have sent all that I was told to send, SEVERAL times, and that there is no communication unless I reach out and when I am able to speak to someone they give me some, not all of the information needed to complete the packet, example I was told to send my tax returns, at the time of that call I was not told I needed to sign and date every page of the return. That was not made known until a week or so later, nor was it made clear that all XXXX pages to include the miscellaneous pages was required. Then I called again, to check and I got a by the way we need your XXXX or tax transcript, which I completed the request when I submitted the initial packet in the XXXX, and was given no rhyme or reason as to why this was now a problem.She transferred me to another department where all in one conversation it went from 5 payments to 4 payments back to 5. I was told that the XXXX of the XXXX owed would not be accepted, the only option is to pay all, I said ok well can the fees be deferred, I was told no. I was placed on hold for 20 minutes only to be told that my loan is in foreclosure, it just has n't been flagged. Each person I spoke with was rude and matter of factually. They aided no assistance and at one point I was told I am having a difficult time getting help because of they type of loan I have, which is a VA Loan, no further explanation was given. I was essentially told I need to find the additional {$920.00}. XXXX, which may I add that amount in it 's changed in the matter of speak to 2 other people because the XXXX would not be accepted. Today, XXXX/XXXX/17 I have contacted VA and an attorney who have both stated that this is some shady dealing and if I am not able to resolve this matter I must look in to taking alternative action, as that I have attempted to resolve and communicate the intent.
06/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 016XX
Web Servicemember
Im filing a complaint against my current mortgage servicer Carrington Mortgage Servicing ( CMS ) for misapplication of payments as well as erroneously and illegally reporting my mortgage payments delinquent for more than 4 months. The misapplication of payments ultimately led to my mortgage being placed into foreclosure at one point. These servicing abuse issues have led to decimation of what was once considered A+ credit rating, to approximately a XXXX credit rating which is considered very poor. Furthermore to add insult to injury I was also charged excessive late fee totaling almost {$400.00}, these fees have never been adjusted even after CMS realized what their accounting departments had done wring. This abuse has caused irreparable damage to my credit profile and has caused me great emotional distress. My loan was originally being serviced with XXXX ( XXXX ) and had for many years with no incident. In fact I rarely spoke with anyone from XXXX, since my payments were automatically deducted. My issue began late XX/XX/XXXX, when I had received a foreclosure and demand for payment notice. Apparently my loan had been service transferred from XXXX to CMS, and transfer notice letters were sent to an unknown address of ( XXXX XXXX XXXX ) on XX/XX/XXXX. According to my credit reports this address has never been reported as my own, and to this date there has been no disclosure from XXXX nor CMS, as to where the servicers acquired this factious address. My credit reports reflect that my loan was transferred from XXXX, as of XX/XX/XXXX. CMS, has the account reported as 5 months delinquent while XXXX was still while using the Automated Clearing House ( ACH ) system to draft monthly payments from my personal account, taking note that a notice of transfer letter had been sent to the wrong address, unbeknownst to me. Notice of Transfer of Servicing Rights is usually referred to as Notice of Transfer or Goodbye Letter. As per Regulation X, the requirement for sending a Notice of Transfer only applies to first lien loans Regulation X prescribes the requirements for Notice of Transfer under 1024.33 ( 12 CFR 1024.33 ). Regulation X implements Real Estate Settlement Procedures Act ( RESPA ) and is enforced by Consumer Finance Protection Bureau ( CFPB ). Modify Payment Setup You have maximum 60 days You should receive a Notice of Transfer at least 15 days from the effective date of transfer of servicing. You will have to amend the payee name, address, and account numbers for any ACH, Bill Pay, or other automatic payments. You have up to 60 day grace period starting from the date of transfer of servicing to send the payments to the present ( transfer or ) servicer. During this time you will not be assessed any late fee or your payment will not be reported late if you send the payment before the payment due date to the present servicer instead of the new ( transferee ) servicer. However, it is best to start sending payments to the new servicer as soon as possible. Effect XX/XX/XXXX. Given the high volume of recent servicing rights transfers, the CFPB determined that the time was right to provide servicers with notice that their policies and procedures on servicing rights transfers will be closely scrutinized.
03/24/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CO
  • 815XX
Web Older American
To the Attention of CFPB : In XXXX I had my mortgage with CitiMortgage. I was in a hardship situation that is described in the attached letter. I appluied for a Modification with CitiMortgage and never got an answer from them, From XX/XX/XXXX to the time of sale to carringing XXXX continuously asked for papers I had sent them. I felt the were Dual Tracking and wanting to foreclose on the home. I feel that Carrington has also done Dual Tracking - saying they had not received information I sent to XXXX and currently with XXXX with their people. We have had to send duplicate fax 's to then numerous times. I was not aware that In XX/XX/XXXX my loan was sold to Carrington Mortgage. I was notified of the sale by a notice RE : Service member Civil Relief Act Notice Disclosure, that was received on XX/XX/XXXX and that my loan number with them was : XXXX. I spoke to a relative in California who referred The XXXX to me.I hired and paid them {$2800.00} to provide in obtaining a Hardship Modification for me - which they were unable to obtain. I received a Notification of Denial on XX/XX/XXXX. At that time I was referred to a lady named XXXX XXXX as a contact for me. She told me if I would send {$5000.00} I could resume the payments I had with XXXX. They indicated that I was Ineligible for Unemployment hardship reasons when I was fired from my job in XX/XX/XXXX - when I was making between {$65000.00}. to {$75000.00}. a year. I spoke to XXXX 's supervisor XXXX and he told me that I needed to pay the total amount due of {$25000.00} in order for my home not to be sold on XX/XX/XXXX. I will be XXXX years old in XX/XX/XXXX. I have many health problems and and XXXX. I am XXXX I had on XX/XX/XXXX. I have XXXX.I have XXXX, XXXX, XXXX, a XXXX, XXXX, XXXX, XXXX and XXXX. I was diagnosed with XXXX in XX/XX/XXXX that required XXXX in XX/XX/XXXX and had to have my XXXX & XXXX in XX/XX/XXXX. I have used all my savings and am on Social Security. I receive {$XXXX} a month and my supplemental & RX insurance takes {$650.00} for my premiums. My son and grandson came to live with me after their wife & mother died in XX/XX/XXXX. My son was in an accident just prior to her death and had XXXX XXXX and it has taken him several years to recuperate. He is currently working and helping with household expenses. His son is in college. One of the mortgage lenders I spoke with referred me to XXXX and they have been most caring and helpful in trying to help my situation. XXXX told me yesterday there was no way he would extend my foreclosure date of XX/XX/XXXX. I built my home when my mother was alive and had it made for XXXX, and the elderly. She had XXXX before she died. My home is set up where I can get around - no stairs, XXXX and I really want to stay here until I die. I feel the mnortgage companies have lost their feelings for people 's hardships and are not concerned at all about humanity. Please help me keep my home. I was told by both XXXX, XXXX and Carrington Mortgage to not worry about making payments while I was in the Modification process. I have never received a statement from Carrington and when I asked what the payments would be - I received no answer. There has been no communication from them when I requested it.
03/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 20817
Web
I have had a loan on a home for nearly 10 years, every single payment has been made on time. The original loan recently passed through several new mortgage processing companies in a very short period of time, which resulted in a near constant need to change the recipient of the mortgage payment. The most recent change occurred on XX/XX/2019, when the mortgage changed from XXXX XXXX to Carrington Mortgage Services. On XX/XX/2019 - right after the loan moved - Carrington issued an AEADS notice ( which I reviewed in early XXXX ) increasing the required monthly payment amount from {$2000.00} to {$2100.00} effective XX/XX/XXXX - I was currently sending {$2000.00} at the time. NOTE that this change to increase the loan amount was a result of an escrow increase made by the lender not an actual change in additional loan interest due. MEANING the lender caused a payment amount change in a very short period of time triggering the likelihood of a shortfall and a late payment charge if the consumer did not make a rapid adjustment. It was not clear to me which payments would need to be changed and when I should adjust my auto payment to accommodate the rapid increase. I received a notice that the payment I had made was short, so I contacted an agent on XX/XX/XXXX ( very, very long wait time ) to inquire as to the status of the account and what I need to do to correct it. As confirmed by Carrington, I was told by the agent that the account was in good standing, and nothing needed to be done. Nonetheless, to make sure there were sufficient funds to handle late payments and amounts due, I sent in an additional sum of {$250.00} which it turns out was incorrectly applied to principal which then triggered another late payment. The result was that, due to late payments building up, sufficient funds were not there triggering another late payment. This sequence of events has continued whereby I received a notice telling me the payment amount is insufficient ( in the mail at a date that is too late to correct ), and then I am told to call Carrington to resolve. The calls take hours to attempt to resolve, and nothing gets fixed, just more mail. I am told the reason this has happened is that I have not told them how to apply my payments ( which I can not do through an auto payment at my bank ) so Carrignton keeps applying over payments to principal instead of resolving the gap. By doing this, they are creating loan payment shortfalls that result in late payment fees. I don't believe they have a right to choose how to apply my payments in a way that advantages the late fee process - which is exactly what they are doing as opposed to applying the payments in a consumer advantaged manner. I am filing a complaint as Carrignton seems to use the loan payment documents and payment change process to generate revenue from late fees. While they might technically ( fine print ) be following a process obscurely contained in the loan documents, they are surely preying on consumers. Someone needs to stand up for the consumer to correct this. I also believe the CFPB should demand Carrington refund all mortgagees who have had a sudden change to loan payments that resulted in timing/amount issues and late fees.
04/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 21146
Web
I am writing because my property has been denied a short sale. I have been dealing with this issue for several years. My loan originally belonged to XXXX XXXX XXXX, who I started loan modification processes with back in XXXX. I was current on my mortgage payments and was told that I would only qualify for a modification if my payments were at least 45-60 days behind. I was instructed by XXXX XXXX XXXX to stop making payments on my home or my modification request would be denied. There were several attempts for the modification until XXXX, when the mortgage was sold to Carrington Mortgage Services. I was never informed of the sale of my loan until the summer of XXXX when I found a manila door hanger on my front door, asking the homeowner to call a customer service. It was then that I started short sale discussion with Carrington Mortgage. In XXXX XXXX, I was told to fill out and send back a " Request for Mortgage Assistance '', along with supporting documentation. This was sent to XXXX XXXX, who I was told would be the relationship manager and single point of contact for a short sale. In XXXX XXXX, I spoke with several Carrington employees, in either the home retention dept., modification dept. or the " overflow '' dept. and was finally told by XXXX XXXX that my paperwork was in modification and not short sale status. I was then told that our loan had to be reviewed for modification only since it was a FHA loan. If a modification were denied, then we would be able to apply for a short sale and start the process over again. XXXX XXXX was going to send the file to XXXX XXXX, another account representative in loan modification, and she would contact me. XXXX XXXX asked for more documentation and sent the file to " Property Preservation ''. After receiving and filling out several packages more assistance packages between then and XXXX, we received notification from Carrington that our package did not " satisfy requirements to proceed '' and we had 90 days to provide even more documentation ; which was sent in XXXX XXXX. After getting even more run around about loan modification and a short sale, I decided to hire XXXX in XXXX to help resolve this and short sale my home. Since with XXXX and listing the property, we have had XXXX different contracts on the property. As of now, there is a cash offer for the property, which is {$10000.00} above the asking price. After the denial of the second contract, Carrington dictated to XXXX what the list price of the house should be. According to Carrington Mortgage Service, a XXXX was completed and the home was valued and to be listed at {$180000.00}. There is an active buyer that is offering {$190000.00} CASH for this property. This offer was denied by Carrington Mortgage and I was told that it was going into foreclosure. XXXX XXXX, with XXXX XXXX XXXX, has been in contact with HUD and Carrington Mortgage about the sale of this property. HUD is stating that Carrington Mortgage Services waited too long to do anything with this property and will not back the loss of this loan. Carrington Mortgage is stating that too much time has passed on the loan, which it should have been liquidated years ago and they will not approve a short sale.
11/14/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 75028
Web Servicemember
I was in a forebearance for XXXX protection under Safe act. Beginning XXXX i advised Carrington Mortgage i was looking to get back to paying my loan and had applied for the va partial claim, as well as the XXXX XXXX XXXX XXXX XXXX. I received word that the va partial claim was accepted to cover XXXX of forebearnce amount, payment was recd by Carrington mortgage XXXX The XXXX XXXX XXXX was also approved XXXX XXXX and funds recd by Carrington XXXX XXXX XXXX XXXX, I was in constant communication with counselors at Carrington , and advised them i wanted the XXXX XXXX XXXX to be used vs the VA partial claim, and was assurred this would be no issue. This was when all the main issues occured. I contacted Carrington, and advised why on their payment history, the texas haf funds were in suspense? They proceeded to advise me that Carrington chose to send back the XXXX funds without any notification to me and proceeded with the VA Partial Claim. I contact my VA counselor advised me that Carrington was incorrect and they " VA '' would have Carrington undo the va partial claim and request for carrington to re apply or request a new XXXX XXXX XXXX application, and this occured and the new amount paid by XXXX XXXX was {$48000.00} recd by Carrington on XXXX. I was advised by Carrington that since i " opted '' out of the VA Partial claim, that the VA documents i signed to establish the VA Partial claim, would be voided and not to worry as the new amount paid by and recd by Carrington on XXXX would clear out any arrears and my next payment would be in XX/XX/XXXX I called CArrington multiple times and requested something in writing to ensure a. the VA Partial claim was nullified and no lien would be tied to my property and that the balances for my account where indeed cleared by the HAF paymnet on XXXX to cover any balances and escrow payments. Again, they stated no that i would not be receiving anything in writing and that my account was in good standing and that my next payment for XXXX was XXXX to offset a higher escrow shortage and i submmitted that payment and paid an additional XXXX toward escrow to ensure my escrow shortage was cleared. I called Carrington on XXXX and noticed on Carrington payment history that funds of XXXX where in suspense on asked what was going on? Carrington advised me that the VA Partial Claim was used vs the 2nd XXXX XXXX payments and they were to also be returned to XXXX XXXXXXXX XXXX. I called XXXX VA counselor and advised on the situation, and was informed they would see what they could do on my behalf, and sumbit a complaint via CFPB. XXXX i recd a mortgage statement for principal balance of XXXX which is the VA partial claim amount held or serviced bt XXXX XXXX. I do not know what Carrington did or is doing on my behalf, but nothing that they said was accurate and they are risking my home and my credit, as i has been informed they reported my mortgage history as late even though i was under the protection of the SAFE ACT, causing m XXXX to fall drastically. Every time i call Carrington, I get the worst level of service and am asked to call back. What can i at this point? please advise... thanks in advance XXXX XXXX XXXX XXXX XXXX
06/01/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 77566
Web
Carrington has incorrect and misleading information on their consumer webpage. My loan was transferred from XXXX in XXXX XXXX and apparently, my ACH payment was successfully transferred unchanged. Unfortunately, the timing of my ACH payment did, in fact change. When I log into my account, my payment shows in my payment history as executing on XXXX XXXX. In small letters at the bottom of the page, the words " updated XXXX XXXX '' appear. On the main page, the words " previous payment received XXXX XXXX '' appear. In fact the draft failed to process on XXXX XXXX. Contrary to what is specifically stated in their faq at http : //carringtonms.comXXXX which states " How current is my loan information? All loan information is displayed on our website in real time. When we enter your payment in our system, the information on the Loan Servicing Website is also updated. '' This is clearly untrue. I did not realize that the ACH failed, and was in no way contacted by Carrington. On XXXX XXXX, after finally realizing that the payment had not processed, I called carrington 's phone number to make a phone payment. The Carrington service representative refused to process my payment by phone. The website also would not allow payment of any kind. I was informed on XXXX/XXXX/16 that I would have to pay with " certified funds '' and was directed to XXXX XXXX. Returning to the Carrington faq. I attempted to follow the instructions listed for making a payment via XXXX XXXX, only to find that Carrington Mortgage, LLC is NOT listed among the mortgage companies that can be payed in this manner. I called Carrington back and requested that whatever blocks were being placed on my ability to make a payment online or by phone be released. I was told that this is impossible. I in good faith was attempting to pay my mortgage payment, and prevent a " 30 days past due '' mark on my credit reports. Carrington has failed to accept my good faith attempts to pay, and has unfairly restricted how I may pay. Carrington refuses to remove these hindrances. As of today I have mailed them a cashiers check for both XXXX and XXXX of 2016, along with more than {$100.00} excess so that some unmentioned fee does not prevent the cashiers check from meeting the total due. Had Carrington 's website not been misleading in critical areas, and absolutely incorrect in others, this would never have happened. The fact that no one that I talked to by phone could explain when exactly I had agreed to the terms of payment they now require bears further examination and scrutiny, as does the fraudulent and misleading conduct of this company. I have asked that any derogatory credit reporting that has happened as a consequence of their error, their misrepresentation of the status of my account, or their unwillingness to accept payment by phone, be removed and expunged from any/all credit reporting bureaus. Further, I have a recording of my interaction with customer service, screen captures of their website and of my personal account that clearly prove their inaccuracy and unwillingness to accept payment. If this issue is not resolved immediately and to my satisfaction, I will pursue legal action in the State of Texas.
03/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 12306
Web
This complaint is about Carrington Mortgage Services. In XXXX I began the process of refinancing my home through XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). Everything was progressing normally until we moved forward with the final leg of the refinance late XXXX of XXXX, when XXXX XXXX informed me there was a second lien on my house, originated in XXXX from XXXX XXXX XXXX. This was the first mortgage I had secured in purchasing the home. It was serviced by XXXX XXXX in XXXX of XXXX, transferred to XXXX XXXX XXXX XXXX that same year, transferred 6 months later to XXXX XXXX XXXX in XXXX, and finally transferred to Carrington Mortgage Services in XXXX. We refinanced through Carrington in XXXX after being contacted by them. Calling the banks up through the transfer chain, I was advised to request a copy of the lien release from Carrington, as the refinance would have satisfied the original loan. I submitted a fax request to their research department on XX/XX/XXXX. I also formally locked in the new mortgage rate with XXXX XXXX for 60 days. I called Carrington to check on the request and was informed the fax was received on XX/XX/XXXX ( understandable due to the holiday weekend ) and that requests could take up to 30 days. Calling back a few weeks later I was informed the request would take at least 30 days. I called back after the 30 day mark ( XX/XX/XXXX or XXXX ) and was informed requests could take anywhere from 30-45 days. I spoke to a senior customer support staff member and explained everything as I understood it to that point, that the lien release should be on file and I just needed a copy of it. I informed them I had a previous account before refinancing but I did not have the old account number on hand. I called back that following Monday the XXXX to give them my original Carrington account number. I had planned to follow up on XX/XX/XXXX ( the 45 day mark from receipt of my fax request ) but was unable to contact them until XX/XX/XXXX. I was informed that the request for the lien release had been formally rejected on XX/XX/XXXX ( no out reach was done to me to inform me of this though I had on several occasions left my phone number ). I immediately asked to speak to a senior customer support staff member and reiterated that this was a request for a release that should have already been on file. The staff member took both of my account numbers and informed me that Carrington had indeed forgotten to file the release when finishing up the refinance in XXXX. She said she would immediately get all of this information to the research department. I called customer support again on XX/XX/XXXX and was informed that there was no update from research on this issue. I was then contacted by XXXX XXXX on XX/XX/XXXX informing me they would be unable to continue with my refinance as too much time had passed ( 59 days from Carrington 's receipt of my request and 63 days since it was originally submitted ). Carrington 's gross incompetence has cost me money ( home assessment, title search, real estate law firm, and other assorted fees associated with refinancing a home ) and the 2.6250 % interest rate XXXX XXXX had initially locked in for me in XXXX of XXXX.
06/06/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90221
Web Older American
I have a home loan with Carrington Mortgage Servicing, LLC. that is currently in arrears, and am in danger of losing my home due to their questionable servicing and business-related practices. I have been trying desperately nearly 4 months now to get Carrington Mortgage to work with me on a reasonable payment plan, restructure, loan modification or forbearance but I have had no luck cutting through the red tape. My pleas for help have been completely ignored. I have not been designated a single point of contact, which makes matters even more frustrating. Carrington Mortgage received XXXX XXXX dollars in incentive payments for loan modifications from the Department of Treasury as part of programs such as Making Homes Affordable. Only XXXX XXXX dollars of the received funds has been disbursed, thus giving Carrington the means to continue to help homeowners like me on the governments dime. Wheres my bailout? A SALE DATE HAS BEEN SCHEDULED FOR XX/XX/XXXX!!! I do not want to lose my home, and desperately need your offices help! In XXXX, I acquired my home, signing a purchase money loan originated with XXXX XXXX. My loan has since been transferred, most recently to Carrington Mortgage. Nevertheless, I tendered my mortgage payments on time, as agreed, for 13 years. However, in XXXX, I was released from a 20 year contract with the XXXX XXXX XXXX XXXX resulting with me losing a substantial amount of income. As a result, I began to struggle to tender my mortgage payments in a timely manner. I did the best I could to keep up with my mortgage payments, going so far as to deplete my savings and reserves, but I eventually defaulted on my home loan and was moved to foreclosure status. In XX/XX/XXXX, I contacted Carrington Mortgages agents advising of my struggles to tender my mortgage payments. After receiving what seemed like the paper chase and run-around, no assistance was initially offered. I have attempted to work things out with Carringtons agents by requesting payment assistance through a loan modification. In XXXX of XXXX, I was eventually sent a loan modification package to complete and return. However, I was advised that a complete financial package must be submitted and accepted by the Underwriting Department at least 30 days prior to a sale date. I received the loan modification approximately 33 days prior to the scheduled sale date. This is not a reasonable time frame to secure and submit all the required paperwork. Carringtons agents have been extremely unwilling to work with me. I have not been designated a single point of contact. No other home retention options have been offered and no review of my current financial circumstances has been opened or discussed. A SALE DATE HAS BEEN SCHEDULED FOR XX/XX/XXXX!!! This is an avoidable foreclosure, and this madness must stop. Why cant Carrington open a full and fair review of my current circumstances in accordance with government guidelines? I am sure that there are programs such as a reasonable payment plan, restructure, or loan modification, that homeowners like me have the right to be reviewed for. Instead, Carringtons agents are pushing to foreclose on my home, and have not worked with me fairly.
11/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92307
Web Older American
I have lived in my home in XXXX XXXX for over 30 years. I have never had a late payment in all that time, until last year, when I sustained a sever blow to the head and had to undergo emergency XXXX XXXX. I was XXXX in XXXX XXXX and unable to work for a year while undergoing XXXX XXXX to repair my XXXX. I was unable to drive, and am only now getting back to work and going through steps to see if my XXXX is good enough to get my driver 's license re-instated. For the past 6 months I have worked tirelessly with Carrington Mortgage to save my home from foreclosure. Every time I sent them a form they would wait until the last day of the deadline to submit that form - and then call me and say there was something wrong with it and it all had to be resubmitted and I would be given 24 hours. This happened over and over again, at least a dozen times. I had XXXX XXXX, a bank official from XXXX XXXX working with Carrington on my behalf to restructure my loan so I could keep my house. Every piece of paper work we have submitted, and there have been over 100 submissions - have all been lost - or deemed unreadable - according to Carrington Mortgage. I added my fianc, XXXX XXXX - a single mother with a XXXX - to my loan - XXXX moved into my house with me at XXXX XXXX XXXX and has the gas, electric and water bills in her name. Her XXXX year old son just enrolled in the XXXX school here in XXXX XXXX - and XXXX has set up her small business office here at XXXX XXXX XXXX - as a movie editor and a writer. After requesting all of XXXXXXXX XXXX information - Carrington, failed to ever try and speak with her and then estimated her earnings at {$410.00} a month - when it is clear in all of XXXX XXXXXXXX XXXX tax returns - that she earns {$36000.00} a year minimum. Three days short of XXXX Carrington sends me a notice saying that any and all requests for any mortgage refinancing or repair are denied and the only choice we have is liquidation - and next to every option that is denied - there is a box checked that reads N - for NO APPEAL - Then when XXXX XXXX called Carrington - a woman named XXXX XXXX answers the phone and tells her this is all false and we can re-apply and start all over again - And that to get the house back - the house we live in - and not have it put on an auction block - we must meet the requirements. When XXXX XXXX asks XXXX XXXX what the requirements are - she responds, " I can not tell you what the Requirements are. You submit and we decide if you meet our criteria - but we will never tell you what our criteria is. '' In short - they are admitting to MAKING UP criteria as it fits them. There is no criteria. That's the point here. I have been back to work since XX/XX/2019 and the combined income of myself and my fianc - it equals about {$5800.00} gross a month. This is more than enough to pay the mortgage - even though they said this entire application was for Mortgage modification and now it's just refinancing - and they are making me pay for going XXXX. They have offered no help here - they have only offered to take my home from me - after 31 years of payments. Also - let it be known that Carrington is actually XXXX XXXX XXXXXXXX.
01/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web Older American
XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX IN XXXX RE : Loan No. XXXX Mr. XXXX : Im sending a snail-mail letter because you do not make yourself accessible by phone or email. That is an understandable move on your part : if I were you, I wouldnt want to hear directly from people like me who have been cheated again and again and again and again by your company. No, youd rather that people like the ones I talked to today ( XXXX, XXXX, XXXX and XXXX nice people doing their best to deal with a public that YOU make angry with your unfair policies ) have to deal with the flack, not you. No, YOU make the unfair policies and leave other people to deal with the horrible feedback. Im not sure, but I THINK that makes you a coward. Why dont you give out your phone number? What are you afraid of? So, heres the deal : For years, XXXX has charged me {$60.00} a month for some horrible hazard insurance it placed on my property. It took me a long time, but I finally got REAL insurance, notified XXXX of that fact ( TWO MONTHS AGO ), and, since the escrow amount XXXX deducted each month for insurance was {$60.00}, I deducted that amount from my loan-payment amount of {$720.00}, leaving the proper payment amount of {$660.00}. Late in XX/XX/XXXX, I submitted check No. XXXX in the exact amount due : {$660.00}. XXXX fiddled around, apparently deciding ( on its OWN ) that I hadnt sent the right amount, and finally took out the {$660.00} on XX/XX/XXXX. Carrington then sent me the attached threatening letter, saying my loan payment was PAST DUE ( it was NOT ) and assessing a {$20.00} late fee. After I talked with the four people I referenced in paragraph two, I was informed that its Carringtons POLICY to put overpayments ( the {$60.00} I overpaid in XXXX ) as a CREDIT ON MY LOAN. Wow, {$60.00} credited to a {$92000.00} loan, now THATS going to make a real difference. Heres the further deal : That {$60.00} is MY money, not Carringtons, and Carrington has no right to decide what to do with MY money. I WANT THE {$60.00} SENT TO ME AS A CHECK. ITS MY MONEY AND I GET TO DECIDE WHAT TO DO WITH IT. JUST BECAUSE CARRINGTON SAYS IT HAS A POLICY, THAT DOES NOT GIVE CARRINGTON A RIGHT TO STEAL MY MONEY. GIVE IT BACK! Oh, and while I have one of your assistants dealing with me, how about your {$5.00} fee for me to pay online? Every other company I deal with allows me to pay online without a fee, but good ol Carrington, apparently looking for every way it can find to screw over the customer, charges FIVE BUCKS! So, I get to waste paper, a stamp, all sorts of fossil fuels to get the check to you, and all the time to process it on your end, so I can keep from rewarding you for trying to steal from me. Nice! Please take the {$60.00} credit OFF my loan and send it to me in a check. Or, if you want to join the XXXX XXXX ( unlike your {$5.00} online-payment fee ), just credit it back to the account out of which my monthly payment is taken. Now, was that so hard? XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ( Why dont YOU have a plus-4 zip? ) XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX California Congressional District U.S. Consumer Protection Bureau
02/25/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 604XX
Web
Mortgage Forebearance XXXX XXXX XXXX XXXX AM ( 27 minutes ago ) to info I recently applied for and received a forbearance under the CARES act from my mortgage servicer, XXXX XXXX XXXX. At that time the representative from XXXX told me that at the end of the forbearance, I would resume making my mortgage payment as usual and that the missed payments would be added to the backside of the loan, meaning that my loan period would be extended by the three month forbearance, that I would not be required to pay back those three mortgage payments immediately after the forbearance expires. I specifically asked this question because if that were the case, I would decline to take a forbearance since I was completely aware that I would be unable to come up with the three months of mortgage at the end of the three month forbearance I have taken forbearance on my student loans in the past and at the end of the forbearance I was not required to make up all those payments immediately at the end of the forbearance, Those missed loan payments were made up at the end of the loan. Therefore, I assumed that a forbearance worked in that manner. One month into the forbearance my loan was transferred to another mortgage servicer, Carrington Loan Management. I contacted XXXX specifically to make sure that my forbearance would be transferred as well and that the terms would remain the same. I was assured that they would since the CARES Act is a federal program, not lender specific. I contacted Carrington to ensure that all of the preceding conditions still applied because my first mortgage statement showed that I was two months behind on my mortgage and that the situation was about to escalate and that I was in danger of foreclosure. Having been in foreclosure 2 years before and having to get a loan modification in order to remain in my home, I was obviously jpanicking. The individual from Carrington said that I did not understand how a forbearance worked and that at the end of the forbearance, I would be required to pay back all of the missed payments immediately.Frank from Carrington told me that what I understood to be a forbearance was actually a loan modification not a forbearance. I told him that I had already had a loan modification two years prior and asked if I would be ineligible for a loan modification because of my previous one. He said I could possibly be deemed ineligible for that reason. So my question is, was I correct about the forbearance or was he? Being unable to come up with three months ' mortgage at the end of the forbearance what measures, if any, would I have to take to keep my home? Will I need an attorney to defend me against this mortgage servicer, especially when I was assured by my previous servicer, XXXX, about the terms of the forbearance which persuaded me to take it? If possible, would you reply to my personal email, XXXX? If you are unable you still can reply to this email which is my work email. You also can contact me at my mobile work number which is listed below or my personal cell number, ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ( fax ) XXXX ( cell ) XXXX XXXX
07/23/2020 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • GA
  • 310XX
Web Servicemember
While getting a VA loan, I had been directed to XXXX XXXX Mortgage ( NMLS XXXX ) a mortgage broker to assist with finding a lender for my loan. This broker had allegedly gotten " pre-approval '' for the loan based on my credit report on XX/XX/XXXX. I found a home and put in an offer on XX/XX/XXXX. The original offer was for the full price and the seller would pay {$8200.00} of my closing costs. The appraisal came back lower than the asking price and the seller countered with accepting the lower price but wouldn't cover any of the closing costs. I accepted that offer. My broker was upset about this but I couldnt figure out why. He then took a break for a week, immediately before our scheduled closing date of XXXX XXXX. He said he was going to be unavailable at all that week because he was going to be in the woods with no signal. When he returned he admitted that he couldve had me close on time if he hadnt gone offline for a week. As he was acting as an agent of Carrington Mortgage, they wouldn't allow me to speak with anyone there. I was informed that the broker was the only person that I could address any of my concerns with. My original closing date was XXXX XX/XX/2020 but was pushed back again and again until we finally closed on XXXX XX/XX/2020 ( 60 days exactly from when I submitted the offer ). During the back and forth with the broker regarding information that he had already been sent, I received a number of Closing Disclosures varying in cash to close of anywhere from {$2600.00} to {$19000.00}, finally settling in at XXXX after being told by the mortgage broker on XX/XX/2020 that my closing costs would be {$5900.00}. My final Closing Disclosure, which increased my cash to close by over {$300.00} that had to be wired from my credit union or in a cashiers check from my credit union account, was sent to me on XX/XX/2020 at XXXX ( EDT ) which was less than 24 hours before closing. I had asked repeatedly to have the discount points explained to me to no avail. Eventually one of the people at XXXX XXXX Mortgage did admit that the points were, in fact origination fees. After closing on the house and discussing this fiasco with a friend who works in the mortgage industry, she explained that there are a number of items that a VA loan borrower can not pay. One of those is the broker fees for a mortgage broker. Since the seller wouldnt pay any closing costs on the lowered price of the home, the origination fees were fraudulently disguised as discount points even though my rate was still over 5 %. The attorneys fees were all fraudulently listed as Title in order to get by with charging me these fees as well. Since they didnt actually label the origination fees correctly, they also put underwriting fees in there as well. It looks to me like this broker did everything he could to subvert the rules that the VA has in place to protect the borrower and pad his own pocket. That explains why he was upset regarding me accepting the counter offer of the lowered price and no seller concessions. She also explained that, with my credit score, a 5.125 % rate was astronomical and that there wasn't any way that was a " discounted '' rate.
01/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08046
Web
Carrington Mortgage LLC is trying to evict me from my permanent residence and eventually try to force me into foreclose and take possession of my house, and sell the house as a means of reclaiming as much of the money still owed on the loan as possible. There seems to have been some uncertainty of this loan when it was transferred from XXXX to Carrington which happened back in XX/XX/XXXX in the heart of the pandemic. My last mortgage statement from XXXX was due for a XXXX which they received on XX/XX/XXXX, then abruptly sold the loan to Carrington. I was giving XXXX XXXX in reality monthly to off set some escrow shortages. I received a letter from XXXX saying the loan was sold to Carrington, but with no new loan number fir them, or information where to forward my money. The loan number was given to me verbally by someone that said their name was XXXX XXXX XXXX in XXXX, XXXX. I was told verbally at that time it takes about 90 days to set up transferred accounts and would have to wait on statements. I went on line to find out some information about Carrington to see if they had a website .I found it odd that their web site to submit payments was not secure. So immediately set up bill pay through my bank. They have been getting paid through this safe method and I can also track it monthly. Sometime this summer they had sent me a letter saying they werent getting any money from me, and I had to backtrack to the bank to show them someone was getting it but where they were applying it I did not know, only to find out my account was not officially set up. Carrington is trying to use unscrupulous practices of their business trying to offer me their brand of repayment plan completely devoid of FHA guidelines. Im am in bankruptcy also and, am paying a trustee monthly. I have been paying Carrington each month since the transfer, and they received the most recent payment on XX/XX/XXXX. I had submitted a letter to the mitigation department of Carrington requesting a forbearance on XX/XX/XXXX, requesting them to place the owed payments on the back end of my loan. I also explained to them Im a XXXX XXXX and that my job had been negatively affected by Covid 19 when the world shut down in XX/XX/XXXX. I told them I do not get personal, sick, personal days available to me. I also told him I was out with a bout of XXXX that begin around XX/XX/XXXX of XXXX. I have not heard from them since. I have lived in my house as my primary residence since XX/XX/XXXX. and do have the means to pay my monthly mortgage payment and be safe. I am not burdened with costly home repair bills and maintenance. In addition, with a fundamentally sound place to live and make my payments in order to keep my home.. Im just asking that Carrington be righteous and just in their business practices. They are not under XXXX XXXX or XXXX XXXX but since Im a FHA mortgage holder I know they must follow FHA guides lives and not completely be ignorant of Tge Cares Act and that the initial impact of Covid 19 is very real then and now. Carrington is not exempt in following FHA guidelines. I last spoke to a XXXX and a another person named XXXX at Carrington on XX/XX/XXXX.
05/10/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 78552
Web Servicemember
1. Carrington Mortgage Svc won't apply over a years worth of payments ( possibly more ) to principal, only to future payments 2. Wrong house payoff. 3. XXXX/Mortgage Customer Service told me to not make payments for 2 months ... ... I spoke to XXXX in Customer Service on or about XXXX because I got a letter regarding my prepayments. But I have no prepayments, just a monthly payment to the Mortgage. And one to Principal, every month since XX/XX/XXXX, & some were HUGE and bigger than my mortgage payment. She said they messed up my account in XX/XX/XXXX and began applying my principal to future house payments but they weren't going to fix any of last year because it was their policy to only go back 60 days. She spoke to her supervisor that let her request a 90 day adjustment. ... ..I was super peeved! I explained I am an older lady, ( Veteran ) working 2 jobs who was trying to get the house paid off early because retirement was coming and I may not be able to work that long. She kept saying they were going to adjust 3 months but not anything previous. I told her, " That is MY money, I sent huge payments to Principal to shorten my years on the loan/interest, and Carrington took it placed it where they wanted to and now it is as if I haven't paid anything to Principal & my loan is not shortened except for these past 3 months you are going to adjust??? She stood her ground that it could not be changed. I requested a phone number and address to their attorneys office in the event I would need to get an attorney myself. She said the only thing there was to give was the Research Department Fax and address, and there was no phone number except the Customer Service number. I asked, When will Carrington contact me to let me know if all 3 months were applied to principal and if they changed my house payoff? '' She said they would not call and I would have to call back at the end of XXXX and in the meantime I can't make a house payment NOR a principal payment until XXXX. WHAT??? This doesn't even sound legal to me! I called the Mortgage Co ( Carrington ) when I first started making Principal payments and was assured there was no penalty, they assured me I had the correct address, we reviewed the days I would send checks so they would never be late, and my Bank sends a check that says " PRINCIPAL '' on it every month. I WANT ALL MY PRINCIPAL PAYMENTS WHICH THE BANK SENT, TO BE APPLIED TO PRINCIPAL AS INTENDED AND AS THE PAPER CHECK STATES. AND I WANT A RESPONSE IN WRITING, NOT JUST HEARSAY FROM 10 DIFFERENT CUSTOMER SERVICE AGENTS! WHY CAN'T THEY FIX IT? IT WAS THEIR ERROR! IT SEEMS LIKE THEY ARE EXTENDING THEIR LOAN AND GIVING ME MORE PAYMENTS SO THEY CAN GET MORE MONEY FROM ME WHEN THEY ALREADY HAVE THE PRINCIPAL MONEY THAT WAS SUPPOSED TO SHORTEN MY LOAN IN THE FIRST PLACE! WHAT IF I CAN'T WORK FOR MUCH LONGER? WILL THEY COME AFTER ME TO FORECLOSE WHEN THEY ALREADY HAD MY MONEY??? WHY ARE THEY NOW TELLING ME NOT TO MAKE PAYMENTS? I DON'T WANT THEM TO FORCLOSE ON ME! I'M JUST TRYING TO PAY OFF MY HOUSE EARLY! ( See attachments : letter I wrote to them and 3 pages of payments. I've not sent it to them, but chose to go through the CFPB )
03/06/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NY
  • 120XX
Web
DEMAND FOR CFPB INTERVENTION ON ELIMINATION OF " ZOMBIE DEBT '' MAINTAINENCE ON CRA 'S!!! Attached are XXXX or several old mortgage debts that went into default many years ago, some may in fact be well over seven ( 7 ) years since they first went into default. If a full investigation was performed by the original procuring bank on any or all of these mortgages that are still on my credit bureaus, a determination can be made as to care of the property : 1 ) if the property is occupied, 2 ) if the property is an issue pertaining to urban blight, 3 ) or if the property has been seized by any servicing agency through a legitimate foreclosure process. Accordingly, I believe that the CFPB must without exception move quickly into the devastation being done to consumer 's credit on mortgage, credit card and student loan debts that simply are not collectible, and that the total responsibility on this abuse sits with the debt service/collection industry. In fiscal year XXXX, the Federal Trade Commission, the oversight federal agency of the Consumer Financial Protection Bureau, made a determination that the debt collection industry in relation to the application of the legal application of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act is broken. The introduction of the " Consumer Reporting Fairness Act '' is a great step to improvement of that system. Now the FDIC is stepping with guidelines towards abandoned properties. There are several methods the FDIC would like to see happen to limit foreclosures. The FDIC finds that there are unlimited foreclosure processes that simply are not necessary, that workout arrangements can be made without the long and costly legal process, a process that eventually is paid for by the FDIC, and eventually the United States taxpayers. The FDIC has established a very specific criteria on how banks should approach the foreclosure market, otherwise known as the " Zombie Market ''. 1 ) Obtain and use the most current market value information on the property and use current valuation information when making the decision to initiate, pursue or abandon the foreclosure process. 2 ) Implement criteria for determining when their lien ( s ) should be released due to the financial considerations they may face due to stopping the foreclosure. In some cases, the institution may face litigation. 3 ) Notify appropriate state or local government authorities such as tax authorities, courts, or code enforcement departments of their decision to abandon the foreclosure process, and they must comply with the applicable state and local laws. 4 ) Notify the borrower ( s ) that they will no longer be pursuing foreclosure, whether or not the mortgage holder has released the lien, the borrower has the right to occupy the property until a sale or title transfer occurs, and that the borrower is responsible for the remaining balance on the mortgage loan and for maintaining the property. 5 ) Use reasonable means to contact the borrower in order to provide the notice described above, particularly in cases where the borrower vacated the property because the foreclosure process was initiated.
07/15/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • NV
  • 89119
Web Older American
I am the owner of a home at XXXX XXXX XXXX, XXXX XXXX, VA XXXX. On or about XXXX/XXXX/XXXX, a Veteran 's Administration loan was closed with XXXX as both the " nominee '' and the " beneficiary, '' and XXXX XXXX XXXX XXXX ( XXXX ) as the " lender. '' They appointed attorney XXXX XXXX as trustee ( in a conversation with XXXX XXXX that I had appx a year ago, she said she had no recollection of ever being a trustee ). XX/XX/XXXX, XXXX was raided and shut down by the FBI for massive fraud. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Reconstrust were all involved with the property for the next few years, and, then, around XXXX of XXXX, XXXX and XXXX changed the trustee to XXXX XXXX XXXX ( XXXX ). One problem : # XXXX of the Deed of Trust states only the LENDER can change trustees, and neither XXXX nor XXXX were the lender on the alleged loan-XXXX was, and they went out of business in XX/XX/XXXX. All subsequent appointments and actions of XXXX were therefore fraudulent. Carrington Mortgage Services took over around XX/XX/XXXX, and promptly threatened to accelerate the loan. I am the owner of record in XXXX County and sent them a debt validation letter to them upon receipt of their letter, which they never validated. Since then, they have, together with XXXX, twice tried to foreclose, each time being an FDCPA violation, not to mention violations of the Hobbs Act, codified at 18 U.S.C. 1951 ( a U.S. federal law that prohibits actual or attempted robbery or extortion affecting interstate or foreign commerce-I live in Nevada ). It also a violation of XXXX XXXX, deceptive trade practices vs an older person. In XXXX XXXX, I sent a rescission letter to Carrington, which they " rejected. '' However, since the XXXX Supreme Court decision in XXXX v XXXX in XXXX XXXX, XXXX made it clear that a rescission, right or wrong, is effective from the moment it is mailed, and that a lender/servicer must bring suit within 20 days of receipt to overturn the rescission. Carrington did not bring any suit, so they are forever barred from bringing any defenses. They have harassed my tenants and thus are threatening my income, not to mention are intentionally inflicting emotional distress upon me, as I will soon be seeing a psychiatrist. Finally, they have called me twice, with an autodialer on my cell phone in the last months, which is a TCPA violation as well as another FDCPA violation. Also, Carrington ( along with XXXX XXXX ) was fined XXXX XX/XX/XXXX for fraudulent assignments-exactly what they tried to pull here, and XXXX has no license to collect debts in Nevada, which is a requirement here. The " Release '' clause in the DOT, # XXXX, says when the Lender is paid off, the property is supposed to be reconveyed ( DOT is attached, the first XXXX pages of the " XXXX '' file ). Needless to say, several parties have been paid off ( in addition to XXXX ) and no reconveyance has occurred, more fraud. Carrington Mortgage has ignored ignored a QWR letter and a UCC-9-210, which gave them 14 days to dispute my contention that there was no loan amount due. Carrington is XXXX and deserves an even larger fine than they got last year.
01/20/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 290XX
Web
I have an open case against this company because they purposely rejected my payment on XXXX/XXXX/XXXX pushing the account past the 90 day mark. I also made a payment that was rejected on XXXX/XXXX/XXXX. I learned about this after making several calls to Carrington, and submitting research to their department of my unrecorded payments beginning XXXX/XXXX/XXXX. I spoke with XXXX a supervisor in the home retention department along with many representatives and they confirmed that they were not aware of the payments because the cashier 's office rejected the payment, did n't make any notes or notify me in writing which according to them is policy. I had to request the refund myself from the 3rd party and wait 10 business from XXXX/XXXX/XXXX to receive the refund. In the meantime, every representative refused any payments because my account was flagged for foreclosure as of XXXX/XXXX/XXXX citing my loan was 104 days past due. However, no one would recall the foreclosure seeing as how the company did n't follow standard protocol and did n't notify me or the other departments within the company of the payment return to offer any of suggestions. All of the representative stated it is standard protocol to make two payments if the loan is behind which would have been fine considering I had the two rejected payments but I was n't given the opportunity. I also completed and submitted a modification packet to be reviewed for any assistance. I share with every representative I speak with I can afford the payment but I ca n't afford to pay the arrears and I need help with that. On XXXX/XXXX/XXXX I spoke with the SPOC department who stated that the application was denied for the HAMP because the DTI showed we could afford the payment. The representative XXXX stated that the information showed I was not considered for any other help and she can request a reinstatement from the foreclosure area which to date has not performed any work on the account in the amount of almost XXXX. I spoke with a relationship manager XXXX who was trying to work on a payment plan but we were disconnected and she did n't return my call as we agreed she would if we were disconnected. I then called back and got a regular rep in the SPOC department named XXXX who said the supervisor XXXX misspoke bc the account was flagged for foreclosure. After confirming she was not a supervisor I asked to speak with her supervisor and after waiting on hold for more than XXXX minutes she came back and said her supervisor was n't available but I could leave a message. I questioned her why it took so long and she said she was consulting with her manager XXXX XXXX but she just was n't available to speak with me. After demanding I speak with XXXX XXXX left me on hold so long I hung up. I believe that Carrington is retaliating against me because I filed a complaint XX/XX/XXXX after only being with them for less than a month after being transferred from XXXX. There response is in your database and even according to the response they never recall a payment being returned. I am not giving up or walking away from my home and never had any intention to.
03/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70605
Web
I live in XXXX XXXX, LA but I own a home in XXXX that was damaged by both Hurricanes Laura and Delta. I filed a claim with my insurance company and have accepted their offers as satisfactory. I have already completed 90 % of the repairs. The only repairs I have left to make are replacing the inside and outside air conditioner units. I received my final claim check and have sent it to my mortgage company, Carrington Mortgage Services, to be endorsed. They are dragging their heels on sending me any disbursements. I passed their inspection for 90 % completion and sent them the documentation they wanted. Each time I send them documentation, in 5 days they request more documents. They are supposed to send me 50 % of the claim check to start but since I have passed the 90 % inspection, I am entitled to 90 %. Instead, they are talking about only sending me the money for the ac repairs. They also do not return phone calls or emails, despite claiming that they will within 24-48 hours. I have to keep calling until/if someone answers, only to be told, again, to leave a message and the person who is in charge of my account will call me back in 24-48 hours. I have been calling daily since XX/XX/21 and have left numerous messages but as of yet have not received a callback. In addition, due to being out of work ( first because of the pandemic and now the hurricanes ), I am on a forbearance plan for my mortgage. It allows me to temporarily not make payments without incurring late fees or negative credit reporting. They have told me f there is any additional funding left from the repairs that they may apply it to any fees or to my mortgage. I am faced with the real possibility of never being able to finish repairing my home and losing all my savings, because I, in good faith, made the repairs with money from my savings, expecting to have no issues getting this check endorsed and returned to me. I know I am not the only XXXX XXXX stuck in these circumstances. I have spoken to many residents of XXXX Parish who are now also stuck battling with their mortgage company, after finally winning the long battle with the insurance company. And what recourse do we have? I have tried reaching out to the Louisiana Department of Insurance for help but was told that they unfortunately can not help me, as they do not have the jurisdiction or authority not have the jurisdiction or authority to contest a mortgage company. I have also tried filing a complaint with the XXXX XXXX XXXX XXXX XXXX but was told they may not be able to help me, as it is a servicing matter and not something actually concerning the mortgage. do not know where to turn or what to do. I believe there should be laws or a governing body to regulate this, but unfortunately, it seems to fall into the cracks. It's an insurance matter with a mortgage company. I am at an utter loss. After 6 long months of fighting with my insurance company, I now have to begin all over again with my mortgage company. I am devastated, exhausted and frustrated beyond all belief. How can there be no one to turn to, short of filing a lawsuit with money I do not have?
03/16/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CO
  • 809XX
Web Servicemember
I purchased an investment home in XXXX from the VA under their VA Vendee Loan program. The {$130000.00} VA mortgage was processed and held by XXXX XXXX XXXX from XXXX until summer XXXX. I routinely overpay each month to accelerate my principal payback and reduce interest costs. During this time I had no problems in dealing with XXXX, prepaying principal, or correctly crediting my payments and pricipal overpayment to Interest and Principal balances. In XXXX XXXX transferred my mortgage to Carrington Mortgage Services LLC. Since that transfer, Carrington has repeatedly and incorrectly charged my monthly overpayments as future loan coupon payments, meaning they are not reducing my principal owed when I overpay, and charge/collect the future interest payment on the incorrect loan balance. I regularly call Carrington to reverse the future coupon payments, and reapply overpayment to principal owed. This is a nuisance that I've never had to tolerate with any other mortgage holder, but it seemed to address the problem. However, during my monthly complaint call in early XXXX, Carrington 's customer service rep claimed he can't reverse interest collected in because 'the XXXX books are closed ', with the result that any XXXX excess principal payments I made in XXXX - that they incorrectly reallocated to future XXXX interest payments - are irreversible and non refundable. I do not see any such clause in my XXXX mortgage documents, and I have never had a mortgage servicer fail to correctly and accurately allocated principal overpayments to my loan balance, and recompute interest per the new balance. One rep asked that I no longer include principal overpayment within the same mortgage payment check, to ensure it is credited separately as principal. I complied the following month, but the second check was also applied to future interest, principal, and escrow. After one of my calls when the rep agreed to reverse my {$8000.00} overpayment to ensure it was credited to principal balance, the next monthly statement shows the correction was also reversed back to future coupon payments. I am not a financial scholar, but I believe the term 'fraudulent ' accurately describes this firm 's routine policy of failing to correctly allocate principal payments and recompute interest owed, and failing to correct interest collections due to 'closing the books '. In my understanding, any loan is active as long as there is a balance, and erroneous computations are always subject to correction. After many months of this recurring issue, I recently decided to pay this loan in full to conclude my dealings with this firm. The payoff amount provided by Carrington this week failed to credit my principal overpayments, overstating my amount owed - their figure does not credit unearned future interest payments that were supposed to have reduced principal in the month paid. I can not get a straight answer or correct loan balance from anyone available by phone at this firm, and from a quick search online, my experience is consistent with Carrington 's unearned interest collection practices with other clients.
12/04/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NC
  • 281XX
Web Servicemember
XXXX/XXXX/XXXX HUD Short Sale Approval Notification Received. Sale Amount Approved- {$180000.00} closing date scheduled : XXXX by Lender closing date changed to XXXX by buyer atty due to late approval by lender for buyer XXXX/XXXX/XXXX Closing Disclosure was incorrect. It indicated fees required by seller. This was a short sale transaction and seller was not responsible for fees. A corrected copy was was never provided but seller was assured it would be provided at closing on XXXX I agreed to a {$1000.00} deduction from my relocation check, the seller and buyer agent also agreed to a deduction as well from their commissions In order to make up this amount. In addition, a partial payment of {$1000.00} that I made previously was not refunded to me. I was told it would be applied towards the short sale. I saw no evidence of this amount listed anywhere on the closing disclosure.As requested by XXXX XXXX, I provided a signed letter indicating I agreed to the {$1000.00} deduction form the relocation funds. Once numbers were calculated, the short sale specialist advised there was {$2600.00} deficient.In order to get the short sale completed. XXXX/XXXX/XXXX I also signed a 4T-agreement which was submitted to the buyer agent.Since the closing date has to be changed to XXXX. Seller and buyer arrived to closing on time. Placed in separate rooms paperwork signed by buyers. Sellers left in a room for 3 hours and finally told to leave. no paperwork signed and keys to house remained in sellers possession.The Short Sale Specialist XXXX XXXX became increasing frustrated at the constant back and forth with the attorney ; she then indicated it would easier to decline the short sale and just place the house in foreclosure. This was communicated via phone and possibly email to the seller agent. XXXX/XXXX/XXXX XXXX XXXX indicated he numbers were correct just wait on her final approval. After 6 hours of waiting and constant contact by the attorney and seller agent, XXXX XXXX then advised she did not have final approval authority it had to come from " her boss ''. XXXX/XXXX/XXXX As a result of this delay. I have incurred additional storage fees of my household goods now totally {$350.00}. I have also incurred hotel fees now totally {$280.00}. Meals have now totals {$75.00}. Despite allegation that the process is being rushed, it is now becoming obvious that Carrington MS is stalling in order to place the house in foreclosure and cover up their lack of attention to this matter. We were notified today that a reply from HUD is pending which appears to be evident that the process is starting over. I still have keys to a house that was approved for a short sale and because of the lack of due diligence on the part of the lender, this will now cause the approved buyers to loose out on a purchase and the seller to suffer the consequences of a foreclosure proceeding. A close look at Carringtons business practices needs to be examined for abuse, excessive delays and unjustified threats to the determine of the homeowner. The emotional and financial stress this has caused is unmeasurable.
07/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 284XX
Web
I will never understand how these banks lie on consumers and get away with it. There has been things stated in Carrington mortgage paperwork to you that is very untrue! I now have the paperwork to prove their lies. The reason it was not on paper is, because of the numerous phone calls and what you are told every time you call Carrington Bank customer service. Anytime I was sent a letter, I replied with a phone call ASAP, to ask questions to make sure I understood what they needed. I tried everything to save my house after I lost my job from Covid. Since Carrington Bank took over my mortgage every phone call I was told I needed NO paperwork sent in even though the letter stated I needed paperwork. I was told by customer service after being on the phone for over an hour on each phone call that I have a FHA loan and they are running behind on these programs that are offered. In their letter as a response to CPCF, said I was NOT on any kind of financial assistant program. I was told over and over that all my XXXX XXXX XXXX paperwork that I sent in by Fax and worked on for ungodly hours each time, transferred over to them. I also did seek help through HUD an FHA counseling. Did a 3 way call with XXXX, confirming I was in a loan modification, switching to a Partial Claim. Of course its not in their written paperwork its what the customer service tells you on the phone. It is your word against theirs!! I was told when you are in these programs you CAN NOT send in a mortgage payment or you will disqualify yourself. So how can I be over 180 days late? This has ruined my credit that I worked for my whole life, it has also forced me to sell my home that I have worked very hard for as a single parent. I called Carrington Mortgage twice to let them know that my house was sold, their statement was thank you for calling so we can take you out of the Partial Claim program. The day before my house settled on XX/XX/2022, I had to call them again because they would not release my payoff notice to the attorney. My house closed Wednesday, XX/XX/2022. Awfully funny how I received a loan modification package that was dated XX/XX/2022 this is how they treat their customers? House sold XX/XX/XXXX and my loan is paid off. I also received an email XX/XX/2022 from Carrington bank reminding me to do my loan modification papers the correct way?? ( They stated to your company I was in no such program? ) Lies!! Now I have the paperwork to prove that I have been telling the truth. I am asking that Carrington bank remove all derogatory remarks against my credit reports. I will be XXXX XXXX XXXX and I have worked my whole life to get a good credit rating. I now have to move in with my daughter because my credit score is so low I can not find a place to live! Its very sad what these banks do to consumers. Attached is all paperwork that I have been getting, now I can prove their lies!! I have kept If they state I was not in any mortgage assistance program when they took over my loan why am I still getting paperwork asking for more information? This has ruined my life! Sincerely, XXXX XXXX XXXX
04/17/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • SC
  • 29229
Web Servicemember
I have been XXXX for the month of XXXX and XXXX for approximately {$3300.00} because my property taxes is {$10000.00} at 6 % for my home that is a new build that was bought for {$290000.00} and I got it fixed by doing my taxes application and got it fixed to 4 %. I have submitted this paperwork to the mortgage company and they will not allow me to pay the original mortgage payment approximately XXXX a month before the allotted taxes was attached. They do not give me the option to pay anything but I had to do a loss and mitigation application and they keep making it in complete after asking for more documentation of proof of income, and also proof of disability as I am a surviving spouse of a deceased veteran. The state tax assessors office takes 8 to 10 weeks to refund them back their money, but the escrow notices that they have been doing since the start of XXXX have not been adjusted correctly. As I am going through this process, my new homeowners insurance was attached for this year. When I called and contacted about the insurance because my escrows no - {$13000.00}. The supervisor told me that it was because nobody ever adjusted my property taxes from the first year of it just being the lot itself and they charge me for my homeowners insurance been at it for the first full year and he never charge me appropriately every month to pay it off by the end of the year. At the end of XXXX I still had - {$1800.00} roughly in my escrow and when they pay {$10000.00} to the tax assessors and put me XXXX in my escrow. Now this intern is why my mortgage payments are now {$3300.00} every month. I am now 60 days past due and Ive been getting letters today on XXXX XXXX XXXX of notice intent to foreclose on my home. I am XXXX XXXX XXXX with a XXXX year old. My husband passed away in XXXX no one ever acknowledged me about being able to fix it. The mortgage company can not even give me a clear answer is if they would adjust the past two months to what it would actually be after the money is refunded from the tax assessors office, nor will they allow me to pay anything for or towards my mortgage I must do the loss of mitigations application, which they claim is a repayment program, but can either become a refinance without changing my loan information, or attaching it to like the back of my loan. Please help me get this, resolved the tax assessors office. Can I forward or expedite the check sooner as they have a system in place. By the time the check is given to my mortgage company I will be in foreclosure process and I try my best to prevent that from happening. I have also applied to my state homeowners assistant rescue program, and they cant do anything until I had received a letter of intent to foreclose today, to expedite my case. It is very negligence of Carrington mortgage to charge me so much money at one time and not notify me properly about any of these changes and also never to have even charge me the proper amount for my home even at 6 % for my home. Carrington mortgage is not my original loan carrier. They bought out my alarm from XXXX XXXX XXXX XXXX of last year.
03/01/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 600XX
Web
I contacted Carrington Mortgage tonight and was trying to make a mortgage payment on my home. I fell on hard times with a XXXX XXXX 13 months ago, and have been running 3 months behind for around 6 months. They have never had a problem taking my payments but for some reason tonight was different, they would only accept 2 payments at this point and would not be able to apply the single payment. The person kept stating that if I want a supervisor to come on the line and tell me the same exact thing, they would be more than happy to do so. I discussed them taking my payments for the past 3 months and I kept getting the same answer. We ended the call in shock wondering how or when we could get the second payment tonight, because we were reminded that we would owe 3 payments starting XXXX. Being desperate I found and received the money though other means and put the money into my bank account. After returning home I made the call and and told the rep I wanted to make a payment, she rudely stated that " XXXX XXXX you will need to make 2 or more payments today on the account ''. I let her know I was aware of that and told her I have the money from both my checking accounts. I never knew it would be so painful to get the treatment I got from this person and the supervisor that I dealt with both times, they were refusing, due to policy, to take my payments from XXXX accounts. I became angry at the situation and asked for a XXXX, the rep stated " You want me to get a manager to tell you the same exact thing that I just told you? '' I stated I wanted to speak to a manager and not her, in a harsh tone. The supervisor that came on the phone was the same supervisor as before, she was sure to make this known, and proceeded to belittle me during the call stating they could not make 2 payments from separate accounts but she would make a " One time, get this one time and I do n't even know if I will get in trouble for taking these from you '' I could not believe that I was receiving treatment like this from a mortgage company. Please listen to both of the calls, I was informed that they are recorded calls. I was courteous through the whole call except when they would not except payment from XXXX accounts after I had just gone through the embarrassment of finding the second payment through other means. Yes I have fallen on hard time, what American has n't? I 'm still alive and trying to save my home and to be treated the way I was tonight is just wrong in anyone 's eyes. My spouse is in the mortgage servicing industry and would have been released from her duties if she had interacted with a customer as this company did. The reason they would not let us make a payment was the layers in their legal department told them they were doing things all wrong and they should n't be accepting payments as late as they have been. What type of company would rather foreclose than take a payment? Why are the representitives in this company as rude as they are? I do n't feel entitled, I 'm not a special case, and I 'm not looking for a handout. I just wanted to make a payment on my home.
04/20/2023 Yes
  • Mortgage
  • VA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 320XX
Web Servicemember
Carrington Mortgage Services , LLC has notified me that they will report a 30 day late payment to the credit bureaus. I feel this is entirely unfair and would negatively impact me in a severe way, as I am looking for homes to buy and potentially move with my family ( wife, XXXX XXXX XXXX daughter and XXXX XXXX XXXX son ) within the next 3 months and this would negatively impact my credit score in an extreme way and make buying a home essentially unfeasible for me in an already difficult home market. In early XXXX of XXXX ( I forget which day exactly, but it was within the first week of XX/XX/2023 ) I elected to switch the dates of my autopay for my mortgage company " Carrington Mortgage Services , LLC ''. There's a system limitation in Carringtons payment system, in which changes to the autopay date take at least 3 business days to process. Meaning if on XX/XX/XXXX, I make a request to have my autopay date moved to XX/XX/XXXX, the system will not be able to process a payment on XX/XX/XXXX, the earliest they claim the system can process a payment in that scenario would be XX/XX/XXXX. I was unaware of this system limitation and requested that the autopay date be 2 days later. And because the system supposedly requires 3 days before changes in autopay can be implemented, Carrington mortgage just didn't process my mortgage payment for the month of XXXX. The system did not process any payment until the following month ( XXXX ), which caused me to be 30 days late. They claim that there's a notification screen that alerts you as to this system limitation. However, from my memory there was only a small screen of fine print that said something I didn't quite understand. This is a very bad faith effort to notify consumers of something that is so extremely financially significant and can alter peoples financial lives. Additionally, Carrington mortgage claims to have called me multiple times before the 30 day delinquency. However, they call without using any caller identification so my phone ( using an industry standard notification system ) shows the call as spam. On top of this they did not leave any voicemail notification at all. They claim this is to protect my privacy, but it doesnt make any sense that they cant simply leave a voicemail identifying themselves ( since they dont have any sort of basic company caller identification services ) and request a call back. Again, this seems like a very bad faith effort to notify an honest consumer of something of monumental importance. Carrington Mortgage, claims to have mailed notifications to my address on file, but I didnt receive any notification in the mail until after the payment was already 30 days late. These could have been mailed much out sooner and an expedited service could have been used and charged to my account. Its far better to pay a {$5.00} fee to be notified, than to be 30 days late on a mortgage payment. Again, this is a poor excuse for an effort to make timely notification for such an important issue. Lastly, I did not receive a single email notification on this topic, to my knowledge.
11/04/2023 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 707XX
Web
I have repeatedly asked this company, Carrington Mortgage, to produce the Wet Inc. signature note that my hand signed on that closing day, the same closing day my hand signed that signature on that fraudulent contract that was vitricated in fraud, because it is a unilateral gratuitous contract that I was made a commendation party to didnt receive any money, but my private information was shared during this. I never gave express prior permission to do so identity theft. This company Carrington Mortgage never hired any lawyers like they said they did. They are not even on the foreclosure proceedings at all, so I ask you, Carrington or XXXX XXXX, since XXXX XXXX XXXX has confessed, they have no equitable interest in the mortgage, or have no say so, but they were the only company listed on the foreclosure. Proceedings must mean that its complete fraud. No one has the notes if anybody had him, he would be the investors in the totally worthless mortgage back securities that this judge of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesnt have an oath of office is protecting. And this is been going on for over a year. This torture you and your company has caused my mother so much stress. She had an early death here in XXXX directly related to what youve done to me and my family over the last amount of five years I bought my way out of the last foreclosure of your fraudulent mess youve put me in a lost my truck Ive lost my business. Ive worked on for 17 years and the time is ticking day by day till I go and take this to federal court and every day that youve caused me this misery is close to XXXX XXXX a day prescribed by federal law and you have shown me no mercy XXXXXXXX XXXX fund through the lawyers under the bus. It looks like the same lawyers that committed perjury by telling the judge the note wasnt liquidated the same judge that does not have an oath of office in that same judge that when I asked if I could object, she said no, save your objections, till after she talks. Like I could remember everything which turned out was it everything. This is Rico Im not the only one they conspire with the judges about to ruin peoples lives XXXX XXXX and never was given alone I in fact, I am the original creditor on this whole deal, which is a security contract. Its not even a mortgage and its very deceptive. Be aware everyone is industry is about to go belly up, I want every XXXX I put in this back plus what is done to my family me and my wife after 25 years we split up over the stress this is caused and I hardly get to see my kids XXXX XXXX XXXX XXXX XXXX and take care of my mother, which she stressed out so much she died. Thanks Carrington I lost my vehicle. Ive lost my business which Ive built from the ground up over 17 years and this is the second times Ive done this look on the XXXX XXXX XXXX under Carrington Mortgage youll see what I mean. I am the original creditor, and a consumer credit transaction you are the borrower banks are the borrowers. There was other banks involved in this Carringtons gon na take the role for them since they assume the servicer.
05/07/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 077XX
Web
CFPB XXXX Complaint in response to Carrington Mortgage Services response to complaint dated XX/XX/XXXX, and supplement response by CMS dated XX/XX/XXXX, sent by XXXX to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Consumer Advaocate at CMS. Re : Loan # XXXX Case # XXXX Borrower : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX To Whom It XXXX Concern at CFPB, I am filing a third complaint against Carrington Mortgage Services because of the response sent by XXXX XXXX to my lawyer and the CFPB being in a manner that is inconsistent with the truth and facts that are provable with evidence. The response from CMS is so disturbing to me that I feel it necessary to address each area of concern separately, so it is given the attention to detail needed in the matter. This complaint concerns the XXXX HUD loan that was modified into a regular FHA mortgage in XXXX of XXXX. My original mortgage was with XXXX XXXX XXXX, and my loan closed in XXXX of XXXX. My loan was sold to Carrington Mortgage Services, who subsequently sold it to XXXX XXXX, who uses Carrington Mortgage Services as its mortgage servicer. After my modification was recorded in XX/XX/XXXX, I have made regular monthly payments on time. Suddenly, after filing a complaint against Carrington Mortgage Services with the CFPB about incorrect credit reporting, my XX/XX/XXXX payment was returned to my bank account electronically after they held on to it for 11 days. I immediately sent the payment out again. Carrington Mortgage Services just returned my XX/XX/XXXX payment for a second time. I am deeply disturbed and concerned about this uncharacteristic mortgage servicing behavior. I believe Carrington is trying to make me miss a monthly payment on my modification so they can state that I violated the terms of the modification within the first year so they can proceed with either the acceleration clause or start pre- foreclosure processes. I have contacted my lawyer that handled my civil suit against the XXXX contractor to ask for a referral in this situation. I have also reached out to the HUD counselor I worked with, XXXX XXXX XXXX that helped me with the modification process, the HAF application and NJERMA. I am very concerned that Carrington Mortgage Services will send out a work order to a subcontractor to break into my home and change the locks again while I am at work. I have prevented this from happening the last five months on four different occasions since my modification was recorded in XX/XX/XXXX. I have each subcontractor on video, which is dated, and time stamped. I am at a loss as to how to notify XXXX XXXX and make them aware of what their mortgage servicer is doing to their customers without their knowledge. I will be reaching out to a basic customer service banking line to try and get through to their mortgage department on Monday. The Dept of HUD needs to be made aware of the actions of this company as well. I would appreciate any and all help or guidance this bureau can provide me in this very serious matter. Best Regards, XXXX XXXX
03/17/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 605XX
Web
Carrington Mortgage bought my mortgage from XXXX XXXX whom I was having trouble with. XXXX had put me into what seemed like an unofficial forbearance when I asked them about lowering my mortgage payment due to a reduced income/rising expenses. Nothing was ever said about an end date, etc. The people I spoke with at XXXX were always very nice and polite, but somehow, nothing was ever accomplished despite repeated assurances that there were programs available they could put me into. Then they would not accept any payments from me. Eventually this ended up in court, but nothing was ever decided. Eventually Carrington bought my mortgage ( along with many others ) from XXXX. Even after Carrington bought the mortgage, XXXX was still taking me to court. When I told the judge that I had been notified by Carrington that they had bought the mortgage, XXXX 's lawyer claimed that he had no knowledge of the sale. The judge ended the session and that was the last I heard of XXXX XXXX. I was so happy to start anew and filled out all the necessary paperwork for Carrington regarding my income, expenses, etc. Very quickly Carrington sent me info on my new loan, and I was surprised to find it was higher than my old mortgage and more than the budget I sent to Carrington could afford. I contacted Carrington and nothing was ever really decided. About this time I found out that Carrington Mortgage had a large number of complaints filed against them. Carrington has never made any efforts to work with me or make changes. On occasions someone from Carrington will try to call me on my cell phone ( usually when I am at work ), but they never, ever leave any messages. To make it worse, Carrington has been having problems with their website, and not only can I not pay my mortgage through their website, I can not even access my account through their website. Trying to get in is a never ending merry-go-round of new user names or passwords, not of which ever work despite following their instructions to the letter. Their customer service people are very pleasant, but have never been able to actually help resolve these issues. I am going to try to see if I can make a payment over the phone with XXXX of their representatives today. I have been trying to stay with Carrington because I got the loan at a time when the rates were lower than they are now. A new loan with a ( hopefully ) more responsive lender would cost me more according to the lenders I have talked with. Having read through many issues about mortgage fraud, I can't help but feel this inactivity makes Carrington look like they may be only trying to keep this looking like a legitimate enterprise while wanting to profit from being able to foreclose by preventing borrowers from making payments. I would like to hope I am wrong. I usually communicate via email or text so I have a written record of what was said, etc. Feel free to contact me a XXXX or text me at XXXX. I am usually busy at work during most weekdays, so I may not be able to answer as quickly as I would like. Thank you very much! XXXX XXXX XXXX
10/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WY
  • 822XX
Web
We received an FHA loan from XXXX in XX/XX/XXXX, which has fallen into foreclosure. The loan was transferred to XXXX XXXX XXXX ; we applied for loan modification at least five times with XXXX. Each time, the bank indicated we requested the modification to be stopped, we did n't supply sufficient data, we were n't available, we did n't engage in the process ; none of which was true. InXX/XX/XXXX, XXXX XXXX XXXX set sale date for our property - which was cancelled the morning of. XXXX XXXX XXXX representative stated she wanted to help us salvage our home, and assisted us in filling out the final HAMP packet - then the loan was transferred to Carrington Mortgage Company. We discovered the value on of our loan was based on a fraudulent property appraisal initially issued through XXXX. This issue was perpetuated by XXXX XXXX XXXX, and came to rest with Carrington Mortgage Company. IN XX/XX/XXXX we hired an attorney. The attorney met with representative from Carrington for several months, until suddenly, they were no longer representing CMS - this was XXXX XXXX. A new law firm was, XXXX XXXX XXXX, whom we met with in ongoing measure over the course of nearly a year, then suddenly, this law firm was no longer representing CMS. Currently, XXXX XXXX XXXX is representing their interests - we have emailed XXXX XXXX repeatedly with no response and sent notification of debt dispute within thirty days of service, XX/XX/XXXX. The sale is still set to take place on XX/XX/XXXXat XXXX XXXX, despite no communication from the attorney or CMS. It is worth mentioning, CMS has never contacted us directly, aside from leaving blank door tags on our door, and once, inside of our residence. We have offered to do a deed in lieu of foreclosure, a short sale, a loan modification, even a buyout - CMS refuses to work toward any common ground. We feel strongly they wish to rid themselves on the ongoing bad debt, collect their FHA insurance, and attempt to resell the property - however, due to the false appraisal, the residence encroaches upon neighboring property and will result in additional litigation. Further, the home has no rear yard, no access to the rear yard, and as a recent survey disclosed, side yard property lines that violate local building code. While we are willing to work with the CMS, we ca n't dismiss that property was fraudulently appraised. XXXX XXXX XXXX repeatedly used deceptive practices to avoid issuing a loan modification when the balance was reasonable. CMS continuously switches representation, likely in an effort to force their will to sell. However, in doing so, I am being deprived of my rights, as I do not believe I owe this debt as it never should have accrued to this point, and has only done so at the evil hands of XXXX XXXX XXXX Lastly, as I have been in " pre foreclosure '' for a number of years, they have robbed me of my ability to refinance the land or any portion thereof. Naturally, their error/deliberate and misleading appraisal did n't help ; the loan is completely upside down. This system was designed to fail the folks at the bottom.
06/28/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CO
  • 811XX
Web
My name is XXXX XXXX and I have owned my home in XXXX, Colorado since XX/XX/XXXX, but unfortunately I now find myself in danger of losing my home. I refinanced into a government backed FHA loan in XX/XX/XXXX that is currently being serviced by Carrington Mortgage. I have reason to believe that Carrington has intentionally denied me access to government backed homeowner assistance programs and is attempting to push me into foreclosure by scheduling sale dates without conducting any type of review of my current financial information. I believe that Carrington is in violation of HUD guidelines and is trying to cash in on the government insurance when this is clearly an avoidable foreclosure. I am not now, nor have I ever asked for a handout or anything for free. I have repeatedly attempted to resolve a past delinquency on this loan that was caused by a temporary loss of income that has now been remedied. Despite multiple attempts and repeated applications I find myself consistently faced with a foreclosure sale date. I believe that Carrington has not followed the rules or guidelines for servicing my FHA loan and that their actions have been unethical, wrong and illegal. This loan has had servicing issues for a few years now. My payment increased approximately {$500.00} even though my interest rate is fixed, and it was likely due to a forced-placed homeowners insurance policy being applied to the account when my homeowners insurance policy was still active ( I recently discovered that Carrington has settled a class-action lawsuit for this very issue ). Prior to Carrington servicing my loan, it was serviced by XXXX XXXX XXXX ; during the transition from XXXX XXXX XXXX over to Carrington a few years ago, I was not made aware of the transfer and continued to make my monthly mortgage payment to XXXX XXXX XXXX for approximately 10 months. To this day I am still not sure if that money was correctly applied to my account with Carrington. Prior to my current job working with an asphalt company, I worked for an oil company and had worked my way up to management and was making a good salary, However, when the company started laying my employees off, I voiced my concern about that and also other issues only to find myself also out of work. This is when I started to fall behind on my mortgage. I struggled and eventually depleted my savings to catch up until I could no longer do so. I reached out to Carrington and submitted an application for mortgage assistance. From that point on I was chasing documents and restarting applications in a continuous cycle. Eventually I had to hire an attorney who got us a trial modification which I accepted. I made the three trial payments as mandated, but of course Carrington revoked the modification claiming I hadnt returned the required signed paperwork to them which neither I nor my attorney had ever received. Since then Ive gotten nowhere with Carrington since they claim that I rejected their offer of assistance ( WHAT?? ), and now in XX/XX/XXXX they have been trying to foreclose by continually setting sale dates.
06/11/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 39305
Web
I changed homeowner insurance companies recently, but before the insurance company contacted my mortgage company XXXX Carrington Mortgage XXXX the mortgage company paid the old insurance company. The old insurance company sent me a refund check for {$1200.00}, the amount it had been paid. To return the full amount XXXX {$1200.00} XXXX to my escrow account I made a regular mortgage of payment of {$420.00} and added the {$1200.00} of the insurance refund to the regular payment. I indicated that the additional {$1200.00} was to go to escrow by using the blank marked escrow, on my payment stub. All this took place during the month of XXXX. The payment was to be the payment due on the first of XXXX. Towards the end of XXXX I checked online to see if the payment had been processed. It had been processed, but incorrectly. The mortgage company had taken the entire amount and put it towards future payments. Thereby, making only a very small amount go to refunding my escrow account. I called their customer service department and tried to work through what had happened and how it would be corrected. I was assured they would correct the problem. I asked to be notified when the problem had been resolved, but was told " we do not notify anyone in situations like this ''. After arguing with the person for several minutes, and them speaking with their manager, I was told that in this instance they would let me know when the correction had been made. After waiting several days, without being notified, I checked online again. Some changes had been made on the escrow amounts, principal amounts, and interest amounts, but it was all still incorrect. They still had the {$1200.00} spread out like several mortgage payment, and with incorrect amounts. So, I called yet again. This time I spoke with someone named XXXX and explained what was supposed to have happened, and what they did wrong.We determined they still needed to move {$840.00} back from principal and interest payments and into my escrow. I was again assured they would take care of it. I asked again to be notified when the changes were made, and was told the same story as before. After a heated argument I was assured I would be notified when the changes were made. As of today, XXXX/XXXX/2015, they have not corrected the problem. Instead, they have only changed the amounts again. Now the escrow account is owed {$550.00} of the original {$1200.00} that was sent to strictly be placed in escrow. The {$550.00} in question is still listed as addition payments to principal and interest. I was tempted to call yet again, but fear I will only end up with the same results. I need someone to please help resolve this matter! I 'm at my wits end. At best, this seems like pure incompetents on the part of the mortgage company. At worst, it seems like right out fraud. I did n't have a choice when XXXX Mortgage sold my mortgage to this company. If I had, I would still be with XXXX. This problem, along with all the horror stories I have read about Carrington Mortgage, have not provided me with much security. Please Help!
02/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KY
  • 401XX
Web Servicemember
To whom it may concern, today is XX/XX/XXXX. Yesterday I received a dispute response from XXXX which really has me baffled and concerned about my credit report and how to keep it fit for the economy and country that I live in, the United States of America. In XX/XX/XXXX, XXXX added a delinquent mortgage account to my credit report. An account for a home that my ex-spouse resides. In the last two months the other two reporting agencies have added the default mortgage as well. My ex asked for the home in our divorce ( XXXX ) and was granted the home in writing by the judge of our divorce proceeding. He did not have my name removed or made any other attempts to show that he no longer wanted me to have a part of the home. He faulted on the VA loan and hasn't made any payments on the loan in almost four years. XX/XX/XXXX, he filed bankruptcy, which means he isn't responsible for payments, and can not be solicited for the payments, but I am. He lives in the home with his family, not me. I spoke to the newest mortgage company, Carrington Mortgage Services, and asked them to foreclose the home or put it on the market for sale if I am the new responsible party because they will not adhere to the decree. The did not, and they also denied his paperwork for a modification for the loan and so did XXXX XXXX XXXX XXXX, the original owners. The first choice for them is to wait on me to make a payment and for him to live in the home for free. I will not pay a mortgage for a home that I do not reside. Carrington attempted to insert me into his loan modification in XXXX but he told me not to worry about it. I learned that I was to sign a quick deed, which did not alleviate me of financial responsibility anyway. All in all, it would've gotten payments made if they had accepted his paperwork. I am not sure the specifics to that issue. Then I am told that the rules for foreclosure have to be met per the state 's requirements. Well how many rules and laws does it take to understand that the house is not free and the mortgage is due? Virginia needs to get it together. These mortgage companies who are not listening to what is being said should also get it together. The home was purchased in XXXX and costs more now than it did when it was purchased, he is currently {$140000.00} in arrears. That's about a fourth of the cost of the home.. If you can live for free then there is no incentive to pay the mortgage! At the same time, permission is not needed to make a payment. He could have been making payments all this time with or without a modification. Its not like the mortgage company will return the checks, or will they? I am writing to ask that Carrington Mortgage remove this home from my credit report, all three, and give him a payment plan for the mortgage or foreclose/sale the home immediately. Carrington should also place a valid phone number on the credit reports.I would also like the credit reporting agencies to delete " remove per divorce decree '' as an option for a dispute if the decree is not sufficient or will not be upheld once provided.
05/14/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 63385
Web Older American
Date : XXXX/XXXX/2016 To : Consumer Financial Protection Bureau Summary - Approximately XXXX months ago, my ex-wife, who had been ordered to pay me {$2500.00} per month in maintenance support intentionally got herself fired from a very lucrative position with her prior employer, with an annual salary of over {$350000.00}, so my monthly maintenance support was reduced to {$500.00}. Over the course of the 3+ years she was dragging me through the courts, I was compelled to spend over {$150000.00} in legal fees, depleting my financial assets. My prior credit history has always been impeccable, but my current financial situation has been reduced to a point where I can no longer maintain most of my monthly obligations. I contacted Carrington mortgage ( my mortgage servicer ) to see if anything could be done to save my home. They were very vague, uncooperative, and rude. This has gone on for a few months and now I may be forced to consider Bankruptcy due to Carrington 's total lack of any type of dialog. Upon discussing this situation with my son, he stepped forward and offered to assume the mortgage. I contacted Carrington once again and explained the situation to them, and the stall tactics continued. Eventually I faxed them a permission document and password to deal with my son in the assumption process of the loan ; a copy of the faxed document available. At that point I reduced my involvement in the assumption process. From that point on, my son did everything possible to remedy the situation and get an understanding as to what he needed to do to assume my mortgage. Carrington was still unhelpful, in that, one representative hung-up on my son and was treated very disrespectfully and offered no cooperation from other Carrington staff. He was switched from one person to another and told to call this person, and then that one. At one point he was told he required a " password '' to which he replied that his father had already taken care of that issue, but was told that they had not received any faxed documentation from me. Not only did I verify that I had the correct fax number, but also 'confirmation ' of the transmittal. To summarize, my son is offering to assume my mortgage and I would live there rent free, especially with all of my medical expenses. I 'm asking for your assistance in this matter, and in the meantime I 'll continue to fight XXXX XXXX ( something I was recently diagnosed with ) from my home and not some 'shack ', which is where I 'll end up since my social security income is {$1900.00} per month and the miniscule maintenance support my ex-wife pays me, which is below the amount the court has ordered and in violation of the court settlement. There appears to be a solution to many issues and I do n't know why Carrington is being totally uncooperative. However, it became apparent very quickly that Carrington 's goal was to intimidate me into paying the monthly mortgage payment NOT to work out any type of reasonable solution. I can provide more details and proof upon your request. Thanking you in advance, XXXX XXXX XXXX
03/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60014
Web
My XXXXXXXX XXXX was sold to Carrington Mortgage in XXXX with out my knowledge or consent. I utilized their website to change payment date from the XXXX to the XXXX of every month and increase my mortgage payment to apply more to my principle payment on XX/XX/XXXX. On Carrington 's website it stated that the payment would be pulled on the XXXX. Payday is on XX/XX/XXXX, Carrington still pulled mortgage on the XXXX causing an NSF and overdraft to my bank account. Seeing this returned payment I called Carrington and they said they would not process the payment again and I needed to make a manual payment for XXXX, I then went on Carrington 's website to make a manual payment since I was told by customer service they do not reapply payments. This payment successfully debited from my account on Monday XX/XX/XXXX. HOWEVER ... Carrington then applied a third payment, which was the original rescheduled automatic draft to my account on the XXXX for the new setup date for the XXXX for the new amount I originally rescheduled on XX/XX/XXXX causing an NSF on XX/XX/XXXX essentially processing XXXX payments that day, one being manual and the other being the rescheduled monthly automatic payment for a total of THREE payments in XXXX. Carrington mortgage blocked any ability for me to have any future automatic payments due to TWO NSFs on my account per their policy ( which was NEVER disclosed to me when my mortgage was sold to Carrington and is NOT in my PROMISARY NOTE ), Both NSFs should have never occurred if Carrington honored the payment change I processed and not take out two payments for XXXX. Speaking with Customer Service in XXXX they agreed to remove the block which requires me to mail in certified funds or use XXXX or XXXX XXXX which charge excessive fees. I recently had an NSF on Thursday XX/XX/XXXX due to my bank account being short {$4.00} and not having overdraft protection, payday was on Friday XX/XX/XXXX, Carrington blocked my ability to make future automatic payments moving forward siting that I have two previous NSFs, which they agreed to remove in XXXX due to their error. They now claim it was not their error and I am not forced for 6 months to apply manual payments. I am forced to mail in a certified check which costs {$35.00} and send in next day, which costs {$25.00} through the mail in order to accommodate their 10 day processing and not be late by the XXXX of the month and incur a 4 % late fee which is {$86.00}. Because of them back tracking on the NSFs they agreed to remove in XXXX I was charged an {$86.00} late fee for XXXX and will incur another in XXXX due to my paycheck schedule not matching their XXXX processing window. ALSO, my promissory note does NOT state there is a 4 % late charge if payments are received after the XXXX which customer service stated without reviewing my promissory note or providing me written proof with my signature of said agreement. Moving forward I want the {$86.00} late fee reimbursed and automatic payments reinstated and the fraudulent 4 % late fee claim removed.
05/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 15642
Web
When my mother died 10 years ago i took over her mortgage and was making payments to XXXX for about 6 years we had no problems i could ask them anything about the loan and they would talk to me about it, then they sold the note to a company called XXXX the payments went up and the company refused to talk to me because my name wasn't on the loan i told them that i was the deed holder they wanted copies of my moms death certificate copy of the deed the sign off letter from my siblings, sent them all that they had me send it again saying they never got anything but yet i had conformation letters. then i called one last time and someone talked to me but would not give me any information saying my name isn't on the loan. The next thing ya know i get a letter in the mail that they wanted proof of insurance sent them that they said that my moms name had to be put on the policy written as in the interest of : so i did that still had to wait 30 days till the legal department went over everything. then another letter comes saying that Carrington bought the mortgage tried contacting them to talk about the mortgage i was told to submit everything again ( which i did 3 times ) got the conformation letters but they kept saying they never got anything. then in XXXX of XXXX i got a letter from Carrington saying they wanted a copy of my drivers licensee and birth certificate. I called them asked if it could be my baptismal certificate i was told that was ok so i faxed that to them i called to let them know and they said they didn't get it so i faxed it again ( i had conformation letters as well ) was told that i had to give the legal team 30 days to process this again i want to discuss the payments because the amount went up from XXXX to XXXX. I have started the process to refinance the loan and they will not give me a payoff. When XXXX did a title search of the property the title came up clean twice yet i've been paying for ten years on this loan. Here are the 1098 's that are a little shady to me : In XXXX this 1098 came from XXXX that the balance of the loan in outstanding mortgage principal was XXXX and the interest received was XXXX also in XXXX XXXX sent out a 1098 form stating XXXX was mortgage interest received from payer and nothing shows in the outstanding mortgage box. In XXXX XXXX sent me the 1098 form in the mortgage interest received box shows XXXX and the outstanding mortgage principal box shows XXXX. Under the principal reconciliation box it shows XXXX beginning balance XXXX Principal applied XXXX ending balance this loan has gone up instead of going down. Then also in XXXX i get another 1098 form from Carrington showing that Mortgage received XXXX in interest then down in the outstanding mortgage principal box it shows all XXXX XXXX XXXX My mom took out this mortgage in XXXX according to these 1098 forms and it apears that the principal has gone up instead of going down as the loan has changed hands from company to company.My question is is there anything you can do to help me solve this probelem.
02/05/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21207
Web
I have a mortgage which I originally obtained in XXXX through the VA. I paid the mortgage through XXXX. It was taken over by XXXX XXXX XXXX. The transition was smooth. Last year my mortgage was sold to Carrington. This transition has been the worst I have ever had to endure not to mention demeaning and discriminatory. In the beginning Carrington sent me information about the transition. They sent me a bill with an increased mortgage payment of around {$60.00} or more. When I called them I was told they required three months of escrow in the escrow account and I had a choice to pay them upfront or monthly. Then they stopped sending me statements with the payment coupon. Originally I thought maybe the mail person had delivered it to the wrong address. I sent them a check to an address from a previous letter from them. After another month of not receiving a statement I called them, a phone call I hate to make because they are the rudest company I have ever encountered and the call ends in my anger and yelling. I called the company on XXXX XXXX, XXXX XXXX XXXX. I spoke to XXXX different people without any closure to this problem. The supervisor informed me that Carrington will not be sending me any statements because I have a bankruptcy filing. I informed her that the bankruptcy was filed XXXX yeas ago in XXXX and was discharged in XXXX and therefore should have no bearings now. She said that by law if a customer has ever filed bankruptcy they will more than likely do it again, so their accounts are flagged and Carrington does not send these customer any communications. So I asked her how I was supposed to pay my bill. I was again given choices- look on the website to see what I owe and mail it to an address I have on hand, pay by phone, or send them a letter requesting bills to be mailed to me. My bill was due on the first of the month. I told her I was trying to figure out what had happened to the bills and since it was n't paid by the first they were now going to charge me more interest for the extra days during the grace period and late fees if I had n't figured it out before the XXXX of the month. She said that was untrue, paying after the first does not incur more interest and no late fees are charged. I believe this is false information. I also believe a discriminatory practice is being practiced by this company in addition to priming a customer for fees by not sending them statements. I should not have to mail a request to receive statements. I asked her to send me a letter telling me about this law of no communication if you have ever filed a bankruptcy during your lifetime. She said she ca n't. I asked her to mail me an envelope with the address that I was to send this request to so that I would be sure it was reaching the correct place. She said they ca n't send me anything because of my bankruptcy even if it was 17 years ago. So each month they expect me to call or go on the website to see how much I should pay and if they have increased my mortgage for some other fee they want to charge me.
11/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77044
Web Servicemember
Companies involved : XXXX XXXX XXXX Mortgages company involved : Carrington Mortgages Services Monthly mortgage payments reporting inaccurate-over 90 days late on consumer reports due to mis-applied payments. This has caused loans to be denied and credit cards limits decreased which has exacerbated my XXXXXXXX XXXX and XXXX as a XXXX vet. On XX/XX/2022, my servicing mortgage was transferred from XXXXXXXX XXXX XXXX Carrington Mortgages Services. That meant that after that date Carrington Mortgage Services , LLC collected my mortgage loan payments from me. Stated on first page, Nothing else about my mortgage loan will change On XX/XX/2022, amount due to Carrington Mortgage Services was {$0.00} On XX/XX/2022, amount due to Carrington Mortgage Services was {$2300.00} I made payment via my XXXX XXXX XXXX My bank statement shows the amount of {$2300.00} being withdrawn on XX/XX/2022 On XX/XX/2022, I received an Advance Notice of Late Charges in the amount of {$0.00}, if payment was not received by XX/XX/2022. On XX/XX/2022, amount due to Carrington Mortgage Services had ballooned to {$5100.00}. The reg payment increased to {$2700.00} including Past Due Balance of {$2300.00} My bank statement shows the amount of {$2300.00} being withdrawn from my XXXX account on XX/XX/2022. Carrington Mortgage Services withdrew the money but did not apply it to my mortgage. On XX/XX/2022, I received an Advance Notice of Late Charges that my mortgage loan was past due for XX/XX/2022 in the amount of {$2700.00}. If payment not received by XX/XX/2022 a late charge of {$110.00} will be assessed to my loan. On XX/XX/2022, I phoned Carrington Mortgage Services customer servicer inquiring why mortgage payment increased. The customer service rep advised that a tax analysis was conducted which increased the payment. I advised the customer service rep that my Notice Of Servicing Transfer stated that Nothing else about my mortgage loan will change. I also advised customer service rep that I was a XXXX Vet and that I was approved and received my Exemption Status Letter on XX/XX/2022 and my Residential Homestead Exemption Status Letter on XX/XX/2022. Carrington Mortgage Services should have received those documents because it should have been transferred with my file from XXXXXXXX XXXX I ask rep why those documents wasnt transferred over with my loan file, rep was not able to provide an answer. The customer service rep advised to send those documents to XXXX. On XX/XX/2022, amount due to Carrington Mortgage Services was {$5700.00}. Both my XXXX and XXXX payments were applied to Unapplied funds in the amount of {$4700.00}. On XX/XX/2022 I filed for Loss Mitigation workout option. On XX/XX/2022, Loss Mitigation Evaluation Notice Forbearance Plan was approved effective XX/XX/2022. The Plan was to provide temporary relief and determine the inquiry of tax exemption letter. XX/XX/2022, spoke to XXXX XXXX who advised me to send exempt letter, a second time to XXXX including Account number, name, phone number and uploaded document.
06/22/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NH
  • 03301
Web
I was offered a deferred option during covid and I accepted that not knowing what was happening with my wife and my job, and our minor child out of school. We did this for 6 months, and was caught up before XX/XX/XXXX and resumed all payments starting the end of XX/XX/XXXX. We have not missed a payment since. We just have the 6 months that we were told could go to the end of the loan. I have been trying to work with the company since XX/XX/XXXX, and they wouldn't respond back to me after several dozens of correspondence. I have resubmitted the paperwork over 10 times, worked with the advocate department for complicated situations, and was talking with a supervisor. I got no help, and after months of contacting them with no answers to get this resolved they only responded after contacting supervisors, and still I was told finally that two paystubs were cut off at the end after submitted paystubs from XX/XX/XXXX through XX/XX/XXXX. I submitted all paperwork on their online portal over and over again, emailed it to 4 different departments, faxed it, and mailed it, and all I get it generic letters saying we are missing paperwork and will not tell me what. This has been the most stressful and time consuming process I have ever dealt with before. Also, two of our checks that cleared still have no been posted to our account. I have reached out and provided front and back proof of payment from my bank, and my statement showing both payments cleared the bank, and still nothing back. It feels as though they are trying to take my home from me because of the higher market value, because I have over 100 emails to the dept they said to email and two payments in a row not posting to my account to make it look like I am past due is horrible. I don't feel they will ever come through with what they promised. I have XXXX XXXX I am about to deal with, and this type of stress has been so hard on me and my wife. During the worst year spending well over 100 hours corresponding with this company that is beyond unprofessional and I have asked everyone in every department to please help me. I am at a loss, and I just want to know how to get this put to the end of the loan. I looked on XXXX and other complaint sights for the company, and it seems many people are having these same problems with this mortgage company. We had XXXX and it sold to Carrington, and it has been a nightmare. I can provide hundreds of papers proving how I have sent over and over this paperwork since they finally got back to me around XXXX after contacting them since XXXX, and since then I am in the dark, and when we call they are rude and have no information, and choosing to do this with the company was the worst decision I have made, because if I knew they would make it impossible to actually get what they offered me I never would have have signed up for this. The stress alone of not knowing what is going on is wrong of them to do to any family. I have so much more I can attach if needed to prove of the emails these are just files I have saved
01/04/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23324
Web
CARRINGTON MORTGAGE SERVICES, XXXX, and XXXX A have subjected me ( the consumer ) to predatory debt collection practices in violation of the FDCPA. These violations include : XXXX - communicated with me without my consent or the expressed permission of a court of competent jurisdiction ; XXXX ( b ) - communicated with other third parties ( XXXX and XXXX A ) without my consent or the expressed permission of a court of competent jurisdiction ; XXXX U.S.C. XXXX - harassed, abused and oppressed me by demanding payment of a debt CARRINGTON MORTGAGE SERVICES knew was not owed by me ; harassed, abused and oppressed me by threatening to harm my reputation by reporting information CARRINGTON MORTGAGE SERVICES knew to be false to a consumer reporting agency ; harassed, abused and oppressed me by impersonating a creditor for their financial gain ; harassed, abused and oppressed me by threatening to foreclose on my principal dwelling and homestead and stating that I " could lose XXXX my XXXX house '' notwithstanding having NO right to do so ; harassed, abused and oppressed me by making the aforementioned threats which I find obscene ; harassed, abused and oppressed me by using personal identifying information without my consent to create an account in my name for financial gain ; XXXX U.S.C. XXXX ( XXXX XXXX - misrepresented the character of the alleged debt by stating the alleged debt was the result of a mortgage loan when it was not ; misrepresented the amount of the alleged debt by stating {$250000.00} is an amount owed by me the consumer/creditor ; misrepresented the legal status of the alleged debt by implying that a default occurred by me ; misrepresented the character of the alleged debt by stating the alleged debt was connected to a loan account # XXXX ; XXXX XXXX. XXXX ( XXXX ) - threatened to foreclose on my principal dwelling and homestead when legally they can not ; XXXX XXXX. XXXX ( XXXX ) - misrepresented that XXXX FSB as trustee for XXXX LOAN TRUST A and or CARRINGTON MORTGAGE SERVICES are the creditor ; misrepresented that I am a borrower ; misrepresented that I defaulted on an obligation ; XXXX U.S.C. XXXX XXXX a ) ( XXXX XXXX - failed to give notice of name of creditor XXXX - furnished a form knowing that such form would be used to create the false belief that XXXX SAVINGS XXXX XXXX XXXX as trustee for XXXX A and/or CARRINGTON MORTGAGE SERVICES is participating in the collection attempts as creditor when in fact they are NOT participating as a creditor ; XXXX U.S.C. XXXX - used unfair or unconscionable practices to collect the alleged debt by using my personal identifying information to impersonate a creditor ; XXXX XXXX. XXXX - used unfair or unconscionable practices to collect the alleged debt by engaging in all of the aforementioned conduct in violation of the Fair Debt Collection Practices Act. I am invoicing CARRINGTON MORTGAGE SERVICES, XXXX, and XXXX A for damages assessed as a result of their multiple violations of the Act in exercise of my right to enforce compliance thereto.
04/29/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 07728
Web
My mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage last year. I never had a problem with XXXX. My first payment to Carrington was cashed, but not applied to my mortgage as they claimed it did not contain the supposed late payments they were owed. I continued to make payments to Carrington with no ill effects thru XXXX. On XXXX XXXX I recieved notice from Carrington for an amount owed to get current. I was confused as I had sent every payment in to Carington. Carrington then claimed that they had not applied any payments i had sent them and i was to send them back payments for over {$35000.00}. I thought it was odd and sent them the check for $ XXXX. Carrington returned the check on XXXX for over claiming that the amount was too large and needed to be sent by certified funds or wire. On XXXX I called Carrington to get wiring instructons to pay the amount due and was told by ( XXXX, no last name given when asked emplyment # XXXX ) I was now in Forecloure and certified mail was sent on numerous occasions although I nor my post office has record of same. I was also told by XXXX that as a result of Foreclousre action additional funds including attorney fees would be required and I would get a phone call with said amount within 72 hours. She also stated that a re-instatement procedure would be implemented so once they called me with required payment my mortgage would be re-instated. I never recived a call from Carrington within said 72 hours so i called them on XXXX and was told by XXXX, ( no last name or employment number, he didnt seem to know what an emplyment number was ) that " no new information was available and the amount owed was not known at this time '' .I asked who his supervisor was and he stated XXXX XXXX , but she was in a meeting for the rest of the day and she was currently unavailable. he also stated that he had left her a message to call me by the end of the day, I have yet to hear from XXXX XXXX. I also asked XXXX for a contact at the Foreclosure Attorney, they gave me the name and number of XXXX and XXXX. I contacted XXXX and spoke to XXXX, he told me they sent the reqiuired information to Carrington on XXXX. I again called Carrington on XXXX to verify that they recived the info from XXXX and they had no record. I finally talked to Carrington today XXXX as was told they did have the amount due information and it would be faxed to my personal fax number and mailed to my home address by certified mail. I have yet to recieve said information. I 'm just trying to make my mortgage payment and I want the amount due with instruction on how to pay same. I have not recieved any information on the amount due, attorney fees or supposed penalites that Carrington may be demanding. I 've done nothing wrong, Carrington has refused payment, has acted grossly negligent, lied on numerous occasions and failed to follow up when promised. I ask the CFPB to investigate this matter and advise on how i can be compensated and protected from future unfair treatment by Carrington.
02/09/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • VT
  • 057XX
Web
After going through a divorce I fell behind on mortgage payments by 3 months totaling about {$3500.00} of back payments owed including all escrow. The new mortgage servicer for my FHA loan on my property, Carrington Mortgage Servicing has been aware of this issue, my loan was sold to them XXXX XXXX after being serviced by XXXX XXXX XXXX for about 6 years prior with no issues. As of XXXX XXXX XXXX I contacted and agent to schedule a payment for XXXX XXXX XXXX to pay up my back payments to make the loan current. The rep took my information & indicated that everything was all set & there were no problems awaiting, no mention of foreclosure, or offers for mortgage assistance were offered. After returning home from 2 weeks away I returned to my house on XXXX XXXX XXXX to find that Carrington Mortgage Servicing had changed the locks on my home, entered my home and shut off the water, the heating system, drained pipes, winterized my house & moved my furniture around, opened my closets, basically tearing through my home without my authorization, notification or knowledge. They had affixed no trespass notices to my doors stating that the property was in possession of Carrington Mortgage. This was all out of the blue, I had not been previously contacted by Carrington ( by phone, email, etc ) alerting me of foreclosure, was not served with papers stating that I was in foreclosure. Per the conversation with their call center to schedule payment on XXXX XXXX there was nothing indicating that this would happen. I have health issues & am also XXXX months pregnant, all my clothing, furniture, personal belongings, & medications were locked inside my home & I was left stranded out in the cold XXXX degree weather that day. After calling the number on the notice taped to my door & being shufled through many unhelpful agents, I was connected to the Property Preservation Office who had part in authorizing this lockdown on my home. After searching through their system at first unable to locate me or my loan at all, they found me & agreed to let me back into my home, providing little explination. Upon re-entering my home I found it to be left unlivable, with an inoperable heating system, no water, or functioning bathrooms. The cost for me to undo what they did would prevent me from catching up on payments, and due to this event I have had to find alternative housing until I can make my home operable again. I am also in fear of Carrington trying to re-sieze my property if I can not make the full requested payment on the XXXX of XXXX, due to the fact I have to pay a plumber to restart my home 's systems thanks to what they did. This whole situation was grossly mishandled by Carrington, they did not follow the standard procedures in offering mediation or help to a struggling homeowner & did not follow legal procedure in foreclosure/property seizure time frame, & contact with the homeowner. I was always the one contacting them, being mislead by a system that seems to operate on their own terms.
04/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37167
Web Older American
I received a letter from Carrington Mortgage Services dated XXXX XXXX XXXX stating, " Our records do not show receipt of your XXXX payment in the amount of {$420.00}, and as of XX/XX/XXXX , a late charge in the amount of {$0.00} has been assessed. Your total payment amount due is {$470.00} ''. XXXX XXXX XXXX I sent a response to Carrington th at the XXXX Payment was paid and included a copy of my bank statement for proof. I received a " Notice of Intent To Fore close '' letter dated XXXX XXXX XXXX . I received a written response from Carrington da ted XXXX XXXX XXXX that states " CMS find s the written inquiry submitted either does not contain a signature or bears a signature that does not match our records. We have enclosed a copy of the original request for your records and further review. Once you have signed the written inquiry, please resubmit your request for further review ''. XXXX XXXX XXXX I contacted Carrington Custo mer Service - Phone # XXXX and talked with a representative identifying herself as " XXXX - Employee # XXXX . XXXX requested I Fax a bank statement to her as supporting documentation which I did that day with a copy of my bank statement for proof of payments that went back 8 months. I also included copies of my XXXX Tax and Homeowners Insurance pa yments. All signed. I did not receive a response regarding the Fax. I received a letter from Carrington dated XXXX XXXX stating, " our records do not show receipt of your XX/XX/XXXX payment in the amount of {$420.00}, and as of XX/XX/XXXX , a late charge of # XXXX has been assessed. Your total payment due is {$470.00} ''. XXXX XXXX XXXX after no response I Faxed another copy of supporting documentation t o Carrington Custom er Service. I went ahead and mailed a payment Certified Mail of {$470.00} to ensure everything was covered while I was dealing with Carrington C ustomer Service. I than received a Certified letter from Carringto XXXX dated XX/XX/XXXX " Notice of Intent to Foreclose. The above referenced loan is in default because the monthly payment [ s ] due on a nd after XX/XX/XXXX have not been received. The amount required to cure the delinquency, as of the date of this letter, is {$890.00} less {$0.00} monies held in Unapplied ' '. As of XXXX XXXX XXXX I still have not got a response fro m Carrington Cu stomer Service. I recently went paperless billing which was a mistake, as now I have to rely upon " My Carrington ' ' on line Web site to verify monthly amount due. My account on this site is consistently inaccurate on " Amount Due ''. Carrington h as now listed my Mortgage account with the Credit Bureaus as 60 days late. I have done everything requested of me fro m Carrington Mortgag e Customer service from the start of this issue but am not getting a response. I need my account corrected, late charges returned, at the Credit Bureaus data corrected. Please see Attached documentation :
09/13/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 94587
Web
I am a XXXX. My work would be slow. When XXXX was servicing my loan, I would get behind but was always given the opportunity to bring everything current as I would never let it get more than 3 months delinquent. When the servicing transferred to Carrington Mortgage Servicing, I got behind by three months. In that third month, I sent in a payment. Approximately two weeks after sending the payment, I was getting ready to send a second payment when I received the first payment returned. I called to ask why and was told " you have to pay the entire amount because FHA rules state once you are three months behind you have to pay the total delinquent, it is n't Carrington rules, it 's FHA rules. '' I told them I was confused because that had never happened with XXXX and had not known that information, in response I was told " then XXXX was breaking FHA rules ''. I asked if there were any other options and I was told no. Because I did not have all of the money at that time, only two payments instead of three, things just got further behind. By the time I had the three months payment, I was four months behind and so on. I called again when I received the notice of default and asked if there was anything I could do to make some kind of arrangements and stop the foreclosure process as I was close to the amount needed to catch up on the delinquent amount, I was told I would be mailed information. I did not receive any additional help or information. I then decided my only option was to sell my house so I could hopefully avoid foreclosure on my own. I am now almost done with selling my house and called to ask if there was a way to stop incurring fees or stop the foreclosure process since I was close to being able to have the house sold. I was told no, the only way to stop the process is ask for a payoff and then pay it and that I would continue to receive penalties and attorney fees until then. In talking to a lender I am told that I should have been given a point of contact once I was sent the notice of default. To my knowledge, I have never received such a person. In the " foreclosure package '' I received, there is a document that that has a box checked that states that I was " personally contacted and options were discussed. '' by Carrington. This did not happen. I have been given no option other than, pay everything. Even as I called today and recorded my conversation, the representative again told me there is no option to stop the foreclosure process or incurring fees other than to request a reinstatement amount and then pay that with all penalties and fees and also a reinstatement fee or to ask for a total payoff amount and pay the loan off completely. Until I do that, nothing else can be done and attorney fees will continue to accrue. I do not feel that I have been helped in any way and had I been sent to a path of correction when I was only a few months behind and had two months of that delinquent balance, I would not be in the scared position that I am today.
03/24/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 43160
Web Older American
XXXX qualified for Save the Dream Program XXXX. Payments were paid to XXXX XXXX XXXX until XXXX XXXX XXXX when account was sold to Carrington Mortgage then the payments were paid to Carrington Mortgage starting with XXXX XXXX XXXX each month ( they did not receive the XXXX payment until in XXXX or XXXX because They told me Carrington M. Had not returned the paperwork to accept the program. Ohio XXXX contact Carrington M. asked why. I was told that Carrington M said they had not gotten around to filing the paperwork when the paperwork was received by Ohio XXXX they sent them the past due amounts ) thru XXXX XXXX XXXX in XXXX XXXX XXXX i started paying my house payment to Carrington Mortgage. I received a statement stating my house payment increased from {$740.00} to {$840.00} I called and told them this was wrong. My payment was {$740.00} they said i was behind on my payment buy {$2300.00}. i said that not possible my payments were paid by Ohio XXXX. I was told the payments had not been paid. I called Ohio XXXX. The payments had been paid i then receive a statement stating i was {$1500.00} past due. and found out that my payments were placed in an account titled Unapplied Funds with a total of {$2300.00} in it. Because Carrington M increased my payment and held the payment paid, was charging late fees each month and had the money in the Unapplied Funds. I paid my payment on XXXX XXXX of {$790.00} deducted from my account on XXXX XXXX ( all House payments are showing on my bank bill pay as HOUSE for my convenience ) in XXXX i received a statement for the total amount due of {$2300.00} i called Ohio XXXX again they had to straighten Carrington M out again. I paid {$820.00} for XXXX and for XXXX, XXXX, and XXXX and forward i paid {$780.00} each month. As you can see in compareing my XXXX Bank Bill Pay with Carrington Mortgage own records that my account compares to the same payment date of with draw from my account. I paid full payments plus for 5 months meaning I paid in interest over {$2000.00} not the {$1200.00} that they reported to the IRS. I have called Carrington Mortgage since XXXX XXXX Four times about their mistake they tell me i did not pay this much in interest I sent them the same attached information as I have sent you. you will also see where they have charged double interest in XXXX and XXXX. I have my Taxes to file and they are holding me from filing my taxes because their wrong reporting to the IRS what they reported and said I paid is what Ohio XXXX Paid and what Ohio House paid is what I paid they have the XXXX figures switched. They will not listen to me or pay any attention to my statements or their own recordeds. Please help me. I dont know if someone is trying to swindle money or what i just know what I paid and that every since they have had my account they have tried to say im not paying what i have paid and trying to get me to pay more. I need to file my Taxes and my INTEREST PAID ON MY HOUSE NEEDS TO BE CORRECTED FOR ME TO FILE TAXES.
05/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20602
Web
My house was sold at a foreclosure auction on XXXX / XXXX / XXXX . Around XXXX / XXXX / XXXX , XXXX XXXX of Carrington Real Estate Services, LLC con tacted me. I confirmed with her that I was occupying the house with my XXXX minor children. She stated that she would request a cash for keys offer for me. On XXXX / XXXX / XXXX ( before I heard back from XXXX XXXX ), I arrived home from work. My son tried to unlock the front door, but found the key did not fit. I took the key from him and attempted to unlock the door. The key would not go in, but I was pushing on the door while trying to unlock it and the door popped open. I looked down and could see the shavings where someone had drilled the old lock. The new keys were on the floor inside the door. The house was completely unsecured ; all my personal property was inside and I had no way to know if someone was in there. I left a message for XXXX XXXX asking about the lock change. On XXXX / XXXX / XXXX , XXXX XXXX returned my call. She stated that she did not know why my locks were changed. I called Carrington Mortgage Services, LLC. They would not admit there had been a lock change ordered, but I was told that they have the legal right to change the locks. I told Carrington that I know my rights and they do not have the right to change the locks while I, the former owner, was in possession of the house. I told them that they have to go to court to get possession. I told them I would be changing the locks because I did not know who had access to the house. On XXXX / XXXX / XXXX , I was working at home and heard someone at my front door. When I opened the door, there was a man standing there about to drill the locks and put in new locks again. I asked him what he was doing. He said he was securing the house because it was vacant an d Carrington had ordered the locks changed. I told him it was not vacant and that Carrington Mo rtgage and XXXX XXXX XXXX was aware that I was still in possession of the house. He told m e Carrington had checked and the house was vacant. I asked them how they checked ; he said they talked to the neighbors. That can not be true. I live in a townhouse and know both my neighbors, who are aware that I am still living in the home. I told him that he has no right to change the locks while I am still living here. He told me that Carrington had the right to change the locks because they bought the house. I told him they can not change the locks while I am in possession and that they must go through the courts to evict me in the state of Maryland. He left. Carrington Mortg age and XXXX XXXX XXXX have violated my rights as the former owner in possession of a foreclosed property. Maryland law does not allow self-help eviction. The owner of a foreclosed property must go through the courts to get possession of a foreclosed home occupied by the former owner by filing a motion for judgment awarding possession and then go through the eviction process.
03/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75218
Web
Dear CFPB : On XX/XX/2019 I submitted my XX/XX/2019 mortgage payment through the Carrington Mortgage Services ( Carrington or Firm ) website. Carrington Mortgage credited the account and later reversed the payment due to a data entry error. At this point, the Firm could have made commercially reasonable attempts to contact me by phone, mail or email to notify me of the error. If the Firm had down so, this would have allowed me to become aware of the error and resubmit the payment with enough time prior to the end of the month. As a result, Carrington has reported my account with the credit bureau agencies as 30 days past due and my credit worthiness score has decreased materially and has impacted my ability to secure financing at reasonable rates. Carrington did not notify me of the error and on XX/XX/2019, when I was going to submit my XXXX payment that was the first instance when I became aware that there was an issue with the XXXX payment. At that point, I resubmitted the XXXX payment on XX/XX/2019 and on XX/XX/2019 submitted my XX/XX/2019 Payment to ensure my account remained current. I find out later when preparing to start the process to apply for a home equity line of credit that my credit score had decreased significantly to the point where I would no longer be able to be approved for the HELOC. I contacted Carrington Mortgage Services customer service as well as Carrington Mortgage Services Customer Advocacy on XX/XX/2019 and both representatives were unwilling to help me correct and update the credit reporting information. They both simpthazied with me but stated that their system limitations would not allow for the credit bureau related adjustment to be submitted. In closing, my intention was to make my mortgage payment timely as reflected by the XX/XX/2019 payment. Carrington acknowledged that my account was credited for the XXXX Payment and later reversed that payment due to the error. The purpose of credit bureau reporting should not be to punish consumers who made a good faith effort to make their payment timely and the Mortgage Servicer should not be allowed to damage consumer credit ratings because of their computer system limitations or general unwillingness to protect the consumer. The Carrington Mortgage Services customer service representative and Customer Advocacy representative stated they sympathize with this situation but could not help because of how their computer systems were built. If a customer made a good faith effort to make their payment on time with enough time for Carrington to make contact with their customer to help them correct the error timely, then the consumer should not be penalized and damaged as a result. Many customers are probably going through this same or similar scenarios where a payment was submitted in good faith with commercially reasonable amount of time for the Firm to have the payment error corrected prior to month end and avoid negative credit reporting implications. Sincerely Yours, XXXX XXXX
03/02/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IN
  • 46123
Web
XX/XX/XXXX we were contacted by XXXX XXXX a Carrington mortgage loan officer, with a proposal on refinancing our mortgage loan for a lower rate. During this time we were in need of a break financially due to the fact that my hours were being cut short due to it being the slow season at my job ( XXXX ). So we took XXXX XXXX proposal and completed all required documentation for the refinance process. We received a call from him on XXXX XXXX advising that we did not need to make a mortgage payment XX/XX/XXXX because we would be closing on the refinance by the end of the month. His exact words were " Take your wife out to dinner because you do not have to pay your mortgage for the next two months, ( XX/XX/XXXX and XX/XX/2015 ). We were very surprised at how easy the process had been to be refinanced. We waited about a week and began to receive calls form Carrington Mortgage Customer Servcie stating that we need to make a payment. We then contacted XXXX XXXX and he assured us that we would be closing by the end of the month and that we did not need to make a payment. A week rolled by and we had n't heard anything from XXXX XXXX so my wife along with myself began to call XXXX XXXX to try to get some direction as to the next steps in the process. We did not receive a response from him. We called him over 20 times and called the customer service center for updates on the account and kept being told that they could n't give us any information and that only XXXX XXXX or someone in the refinance department could let us know where our file stood. We were lost and the month was almost over. We then contacted and spoke with several supervisors in that dept that were not any help as well. The first week of XXXX XXXX , XXXX contacted us and apologized regarding him not contacting us regarding the refinance because he was on vacation. He claimed that he submitted our file to the processor to have them schedule someone to come out and do the closing but the processor did not complete it. He claimed that he did not want to place the blame on the processor but he did n't want to take the blame for it either. We were distraught. We worked hard to ensure that all of the information requested was turned in and trusted the information that was provided by XXXX XXXX was accurate, When in turn it has hurt us in the long run. We now have negative marks on our credit and now getting collection calls and activity. On top of the issues that we had with XXXX XXXX we were then advised to request modification of the loan to help us get caught back up instead of the customer service dept offering us an option to make payment arrangements. I have faxed and emailed several copies of a complaint letter for the inconveinice that my family has experienced due to the negligence of their internal process. I have yet to get a respone to the fax or email that was sent. I have records of all forms and letters that have been sent to Carrington Mortgage and can send them at your request.
06/09/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 28147
Web
In XX/XX/XXXX my XXXX XXXX XXXX mortgage was sold to Carrington Mortgage with minimal notice. Upon transferring the mortgage that was in good standing and finally receiving the papers from Carrington Mortgage my loan was immediately anylized by their escrow department and my payment was raised. I called Carrington Mortgage and was told that the reason for the additional charges were because they placed an escrow coushion of the most charges allowable by law. I requested they remove it stating that XXXX XXXX XXXX did this every year but immediately removed it when asked. Carrington Mortgage refused. Every month since then I have been repeatedly badgered with phone call after phone call every single month. 3-4 or more times per day every day shortly after the XXXX of each month. According to my loan documents my payment becomes due on the first but has a grace period of 15 days and that said, my mortgage is paid every month between the XXXX and before the XXXX. In XX/XX/XXXX, I received a paper in my statement saying that unless I set up automatic payment I would be charge for online payments or phone payments and as much as {$20.00} for a representative to process a payment. I initially set up auto pay and called several times to check to see if it was activated and it never was. On XX/XX/XXXX I spoke to a representative on the phone and it still was not set up. I voiced my concern and dissatisfaction about the whole forced auto pay situation and she told me that since I live in North Carolina I was exempt and they could not leagally charge me for a payment that I made online myself. I told her that it was never disclosed or explained to me in any of the previous calls I made and she said that they are not supposed to tell people that. Now I am being bumbarded with calls. Tonight XXXX I answered and the representative asked me a series of questions including asking if we still hold keys to and occupy the property. Again I have until the XXXX to pay my mortgage so I asked why he was asking the questions. He said my mortgage was late and I had to pay it with him over the phone. I told him that he could check the history that my payment have never been late and I already had the payment set up on line. He was extremely condescending and said do you know when your mortgage is do? I said of course I do and he said when? I said it it do the first and I have till the XXXX the to pay and have always paid b4 the XXXX he just kept repeating due when over and over. I told him that I was tired of the constant phone calls and badgering and I did not want them calling me again and that I had stated that already and hung up. I was so furious and insulted. The commission should XXXX the company and read the nightmare of reviews from hundreds of people that have had the same experience as myself. All from people who had no choice but to deal with Carrington because their loans were sold by XXXX XXXX XXXX and Other Banks. This company should be shut down!
08/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30224
Web
On XX/XX/XXXX My fha loan was broker out from XXXX XXXX XXXX to Carrington mortgage service due to the covid-19 and because they went up on there credit score. Few weeks went by then oon. XX/XX/XXXX I received a text message from my loan officer ( XXXX XXXX ) stated that underwriting approve my loan with ( Carrington ). On XX/XX/XXXX I was sent a approve email and 3 day disclosing. Then on XX/XX/XXXX @ XXXX I received a email from a attorney office stated that they firms was handling my property closing and I was scheduled to close on XXXX, XXXX at XXXX. And I need to wire transfer my 3.5 percent on XXXX XXXX which I did. Well on XX/XX/XXXX @ XXXX I should up to closing they stated that they didn't sent over the final contract. The same day I contact my loan officer ( XXXX XXXX ) and he stated that he contacy them ( Carrington ) and waiting on reply. A other few week went by I wasn't get any answer from city worth or Carrington. On XX/XX/XXXX I received a other 3 day disclosure and closing date was a XX/XX/XXXX but two days The on XX/XX/XXXX, @ XXXX I received a text message from my loan officer ( XXXX XXXX ) stated that underwriting ( Carrington ) won't let us closing because a old collection from back XXXX and that I had to pay it off for us to close. Which I did then on XX/XX/XXXX @ XXXX I received other messages from loan officer ( XXXX XXXX ) stated that we was waiting on CXXXX. A other few weeks went by without no response from both company. On XXXX XXXX I received other message loan officer ( XXXX XXXX ) Stated the XXXX won't let closing because of tax return and request irs transcript. ( Mean while XXXX XXXX loan was extended the contact on the house with the seller 5 time by now ). By XXXX XXXX I have heard anything from both company. On XX/XX/XXXX @ XXXX. I received message from loan officer stated that the underwriting ( Carrington ) wasn't responding. Then on XXXX, XXXX, XXXX I received a other message from my loan officer ( XXXX XXXX ) stated that now underwriting stated they the collection and tax was clear and now Underwriting ( XXXX ) stated that i can't use {$4700.00} of the XXXX that the attorney already have she stated that it couldn't be source. Meanwhile ( My Family of XXXX are living in hotel waiting in closing date ). I work on source a other {$4700.00} which i came up with it with my saving and pay check. On XX/XX/XXXX I received other message from my loan officer ( XXXX XXXX ) stated now she at underwriting stated there other issue ( Carrington ). Then on XX/XX/XXXX, I received a message from my realtor for me to sign a ( unilateral notice to terminate contract and disbursement if my XXXX earnest money to the seller ) which i didn't sign. Because don't want to lose my {$3000.00} earnest money. But I never received any other information about my loan so I'm waiting in hotel for a denial letter or something. I'm lost the house because they won't extended the contract anymore.. so I'm XXXX with family of XXXX.
11/01/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • ND
  • 58503
Web
XX/XX/XXXX, I was working as a XXXX in the XXXX XXXX XXXX XXXX. As a result of a series of legislation called Act 10, I was forced to take a cut in take home pay of almost XXXX per month. I immediately began trying to work with XXXX XXXX XXXX to modify my home loan into something affordable. I was told that I had to be 45 days behind in order to start a modification process, so I allowed myself to fall behind to start the process ( I was running about 29 days late prior ). After 3 years of attempting to work with them, including lost paperwork, inaccurate claims ( ie home vacant when it was n't ), and changes in case workers, etc I finally contacted my local State Representative who managed to get XXXX XXXX XXXX to work with me. XX/XX/XXXX, I finally had a modification offer but it modified my home to over {$170000.00}. My home is only worth about {$69000.00}. When I asked about modifying it down to what it was worth, I was told to sign the modification and then XXXX XXXX XXXX would work on adjusting the modification down to its value. The only reason the amount was so high was due to XXXX XXXX XXXX taking over 3 years to modify my mortgage and their ineptitude with the process. XX/XX/XXXX, I was offered a job in XXXX, ND which I then accepted. My preference at that time, would have been to have to modification at the value of my home and then to rent the home out. As XXXX XXXX XXXX refused to honor their earlier agreement of renegotiating the modification down to the value of the home, it has now fallen into foreclosure and is vacant. After XXXX XXXX XXXX sold my mortgage to Carrington Mortgage-while in the middle of a modification, in XXXX XXXX, I again attempted the process and was denied any options. When I called to work with the company, I was told, on several occasions, different things. Once I was told to go ahead and short sale it, only to receive a letter later stating that was not possible. I also received a letter stating that I did not qualify for any options. XX/XX/XXXX, I received notice from a law firm representing XXXX XXXX XXXX that my foreclosure was being reopened. In XX/XX/XXXX, I received the attached legal work stating the foreclosure was in the 3 month redemption. After contacting both Carrington and XXXX XXXX XXXX over the course of the last 4 months, I have been told each other owns the mortgage, no one has foreclosed, the process has not been started, it has been started, XXXX XXXX XXXX is not allowed to do that, we do n't own the loan, we do own the loan, etc. My last conversation with Carrington stated that they are selling the mortgage effective XXXX/XXXX/XXXX and will not do anything with it, while the attorney for XXXX XXXX XXXX is trying to move forward with the foreclosure. I have been dealing with this for almost 4 years, with no solution in sight when this should have been completed over 3 years ago. I have attached some of the RMAs, etc and have most paperwork available ( about XXXX pages worth ).
07/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92553
Web Older American
XXXX, XXXX XXXX XXXX XXXX contacted me to refinance my home to get a lower interest rate and to lower my monthly mortgage payment. With the recent loss of my husband and Covid which both caused a decrease in my income I thought this would be great for me. I did everything on my part with XXXX XXXX XXXX and Carrington Mortgage ( my original lender for 20yrs ) to get my home refinanced. XXXX XXXX XXXX not only called Carrington Mortgage ( which is noted on my account, XXXX XXXX # XXXX with Carrington Mortgage and also XXXX XXXX # XXXX stated ) and made themselves power of attorney without my consent. They also created an online account for not only myself, but for my deceased husband and changed the mailing and email address on my account so I would not receive any information notifying me that my mortgage was late and not being paid for months! The first month I realized I wasn't receiving statements from Carrington is because I had thought XXXX had took over the loan from Carrington that's why they were requesting monthly payments from me. I did not hear from Carrington for 9 months until my home was in foreclosure with an auction date! I've told Carrington that I've been paying the third party XXXX XXXX XXXX the company that they were aware of me paying that was suppose to refinance my mortgage, I asked what I could do to stop my home for being up for sale. They told me I need to either pay {$25000.00} or fill out a mortgage assistance form. I filled out the form with all the documentation I needed before the deadline and I got denied due to missing one bank statement for XXXX- XXXX for the account that my social security is deposited. The only reason that one document was missing was because my bank had not yet had those statements ready. I did not receive it in the mail yet and when I went to the bank they were not ready, so that was out of my control which I told them, so I had to send it in like that before the deadline. I also spoke with a representative when I finally was able to get those bank statements and I was told after I sent it over that my account was closed and my house was sold. The only thing that saved my home from that auction was that I filed for bankruptcy that morning before the sale was made. Since then Carrington and XXXX XXXX have both been giving me the run around! I've had my granddaughter help me fill out another Mortgage Assistant Form with all the documentation needed by fax and email and they are still saying they did not receive it and now I have another sale date for XX/XX/XXXX. This is not right at all! I can't believe I've been scammed from not only XXXX XXXX but Also from Carrington Mortgage after Ive been loyal and paying them on time for the past 20 years!! It is very unlike me to not pay my mortgage XXXX amnestying always on top of my bills so why after 20 years wouldn't Carrington contact me directly instead of sending my information to the third party that they knew were not paying them.
10/15/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • CA
  • XXXXX
Web Servicemember
I called and asked for a skip a payment for the month of XXXX on XX/XX/XXXX from Carrington and was told by XXXX in the loss mitigation department of Collections, that I had to fill out the mortgage assistance program XXXX form in order to receive a deferred payment but later I found out this was a lie. She walked me through step by step how to do it and where to go online in order to apply and upload documents. I then called back on XX/XX/XXXX and spoke to XXXX then she transferred me to XXXX XXXX in the Collections department, the supervisor that ensured me that Carrington doesnt offer deferred payments for mortgages since XXXX when the financial mortgage crisis happened and the mortgage assistance program was to restructure my loan and ask for a new interest rate and all kinds of other things I was not told about by XXXX or anyone else for that matter until XXXX XXXX me. Therefore I told him to cancel this application for mortgage assistance and XXXX said he cancelled it during that call. He said I would get a letter to my email in XXXX hours, I have not received this letter and today is XX/XX/XXXX. He gave me his email to which I sent an email to him to verify what he told me, that he cancelled the mortgage assistance application and there would be no further action I just needed to pay the payment. I will include that email to him. XXXX XXXX, Collections Supervisor. XXXX also said he can not email me outbound and can only call me once per week per the CFPB regulations/restrictions and he doesnt blame me for not wanting to change it because I have 2.625 %. I said yes of course I never wanted to change anything I was lied to by XXXX to get me to apply for this and I didnt even want that to happen. I then called back the next day XX/XX/XXXX and spoke to XXXX a customer service representative to verify it was cancelled and was told it was cancelled by XXXX on XX/XX/XXXX and I should wait XXXX business days for the letter to be emailed and generated to me. Today is Sunday XX/XX/XXXX and I just went online to my Carrington online portal and now I can not see my loan at all. I was the mortgage assistance was cancelled by XXXX, the supervisor in Collections and by XXXX, the customer service representative. Now I can not see my loan. Something isnt right please help me in verifying that Carrington has cancelled my request for mortgage assistance asap. I am a XXXX veteran and they are clearly trying to mess with me on purpose because they think I can not defend myself and they think I dont know how to contact the CFPB if they do something wrong. This was very misleading. I should have been told they do not offer deferred payments, not some lady showing me where to apply, walking me through it and misleading me every step of the way, then pushing me into doing it even though Im being told they cancelled the request by the Supervisor. This was deceptive and I dont appreciate being treated this way by my mortgage company. Thank you.
08/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32817
Web
On XX/XX/XXXX, I closed the refinance of my home with XXXX XXXX XXXX ( XXXX ). XXXX was my mortgage broker, holder, and servicer. As I do with any loans I have, I setup automatic payments to ensure that I have consistent timely draws on my account and am never late on a payment. My perfect credit for not having any late payments or any other derogatory item on my report for over 15 years was a reflection of that. On XX/XX/XXXX at XXXX, I reluctantly answered a call from an unidentified phone number ( XXXX ), which my carrier ( XXXX XXXX XXXX XXXX labeled as Spam Risk. On this call the person claimed to represent Carrington Mortgage Services, that Carrington was now the servicers of my mortgage, and that they havent received a payment from me in 6 months. This information was quite flabbergasting, as I had never heard of Carrington Mortgage Services until then and in this alleged 6 months I never received an email from XXXX or Carrington about the change in servicing, received no certified letter, and no voice message was ever left. On a random happenstance that I answered this particular spam call, of which I receive and ignore as many as 10+ different spam calls a day, I find that I am now in the rears on my mortgage and needed to pay 6 months of mortgage payments all at once. Luckily, I was able to maneuver my finances and scheduled this payment for XX/XX/XXXX. As of XX/XX/XXXX, my account showed that that payment has cleared. Over the 15+ years I have owned this home, my mortgage has changed hands many times. The original mortgage changed hands three times, first refinance changed hands twice, and now the second refinance twice. In all of those transitions, except this one, I was contacted successfully and the transition was relatively painless. In the world we live in today, spam calls are at epidemic levels and the influx of mortgage related spam mail after a mortgage is filed is quite heavy and persists for a year or more. Hence, calling from an unidentified number and sending plain mail is insufficient and frankly unacceptable, especially considering the magnitude of a mortgage. Carrington 's communication policies are insufficient for the current time and climate in which we are living in. Carrington 's insufficient communication has resulted in an accumulation of late fees and derogatory reports to my credit report without prior communication that a debt was owed to begin with. I contacted Carrington and submitted a dispute through their process. They responded that they would not correct the credit reporting or adjust the late fees. As I understand it, this type of institutional behavior is the very reason that the Consumer Financial Protection Bureaus ( CFPB ) and the Debt Collection Rules as defined in the Fair Collection Practices Act ( FDCPA ) XXXX XXXX, XXXX were created. It is my belief that Carrington has violated the FDCPA by reporting without sufficient notice inflicting undue harm on the consumer.
05/21/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NC
  • 280XX
Web
Dear Sir/Madaam : I have a USDA loan, 30 yr. fixed 5.5 % interest rate. I begin trying to get assistance from my mortgage servicer, Carrington Mortgage, in XXXX, XXXX. I made all mortgage payments up through XX/XX/XXXX even after being unemployed. This company has admitted on several occasions that they have a high volume of cases and that should not be at the expense of the consumer. To force me into Bankruptcy after I am more than capable of making my mortgage payments is unacceptable. I am attaching a list of all information that was requested by Carrington over the course of 10 months. Each request was due to a conversation that precluded from another request for documentation from Carrington and/or another cancellation of my request, forcing me to apply again. There are so many dates to this process that I actually have a huge box full of documents that are mostly requesting the same information over and over again. The RMA documents ( applications and re-applications ) were sent in XXXX, XXXX, XXXX, XXXX and now again, XXXX - because they denied me in less than 30 days from the last letter I received this month stating that I had 45 days for their decisioning. They told me today, that my request was just denied today for not providing a statement regarding my income from my temporary agency from XX/XX/XXXX through XX/XX/XXXX. I even mailed them two payments back in the fall of XXXX, only for them to return it as they stated that it wasn't enough to cover the outstanding amount ( that would have brought us within a couple of months outstanding along with the excess in the account ). Today they also emailed me a letter that I never received and it has this request as the last bullet but is dated XX/XX/XXXX. I have spoken with several representatives and have received what we thought would be satisfying information from two. I followed both their instructions, submitted documentation timely and was never asked to provide an explanation of my temp agency until today after " I feel '' that it was generated today while being placed on hold. They never asked about this income from XXXX until today. I have been told in the past that I was denied for the following reasons which resulted in my reapplication : documentation was not received, documentation was not received timely, I didn't make enough money even with my temp job and my spouse 's income and XXXX, that I would never be able to catch up, you're being cancelled because you can not be reached and your explanation of income with Talent has not been provided. I have a letter from them stating that they will be moving forward with foreclosure beginning next month. I want to complain and will be filing this with other entities as appropriate because this company needs to be investigated for its practices. I'm sure that I am not the only borrower who is experiencing this issue. I have been emailing, faxing and/or uploading documents to them since last XX/XX/XXXX.
12/02/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • CA
  • 92307
Web Older American, Servicemember
CARRINGTON MORTGAGE SERVICES IS ABUSING OUR 'S CIVIL AND FEDERAL RIGHTS NEVER APPLIED XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX XXXX MORTGAGE PAYMENTS OF {$3100.00} EACH CARRINGTON MORTGAGE SERVICES NEVER APPLIED THE {$32000.00} RECEIVE VERY FOR MORTGAGE ASSISTANCE FLAT UP STOLEN OUR 'S MONEY 'S NEVER MAILED MORTGAGE MONTHLY STATEMENTS, MORTGAGE BALANCE properties taxes receipts, Insurance HOMEOWNER POLICY OR ANY PERMISSIONS OR AUTHORIZING TO PAYING ANY UNATHORIZED PURCHASE OF ANY HOMEOWNER INSURANCE the H.O. INSURANCE WAS PAID UP TO XX/XX/XXXX IN XX/XX/XXXX THE CARRINGTON MORTGAGE SERVICERS DECIDED TO PAYING {$4600.00} AND THESE MONEYS ARE STILL OWED TO XXXX IN XX/XX/XXXX A CHECK FROM CARRINGTON MORTGAGE SERVICE WAS ISSUED TO OUR 'S NAMES AS REFUND FOR OVERPAYMENTS THE CHECK WAS MAILED TO XXXX IN XX/XX/XXXX THEREFORE EXPIRED NOT CASHABLE IN XX/XX/XXXX I PAID {$4500.00} MY MONEYS DISAPPEARED. CARRINGTON MORTGAGE SERVICES LIED ABOUT SENDING THE DOCUMENTS TO AN UNKNOWN ATTORNEY NOT REPRESENTING US AND WAS CONFIRMED IN WRITING THAT NOTHING WAS EVER RECEIVED FROM CARRINGTON MORTGAGE SERVICES TO XXXX XXXXXXXX. WE HAVE NOT BALANCES WE DON'T KNOW WHAT THEY DID AND DOING WITH ALL OUR 'S MONEYS OVER {$52000.00} WE ARE IN PITCH BLACK PLACE WE DON'T UNDERSTAND WHAT THEY ARE DOING THE MORTGAGE LOAN BALANCE IS OVER {$590000.00} IN XX/XX/XXXX WAS {$540000.00} CARRINGTON LIED ABOUT FORBERANCE TERMS OF REPAYMENTS CARRINGTON MORTGAGE SERVICES WANTS US TO OBEY BY THEIR SUDDEN REQUEST ON XX/XX/XXXX BY PHONE WITHOUT ANY EXPLANATIONS TO GO IN TRIAL PAYMENTS OF {$5900.00} EACH THAN THEY WOULD HAVE CHANGED THE XXXX XXXXXXXX XXXX XXXX LOAN INTERESTS FROM OURS 2.875 % TO 7.99 % PREDATORY INTERESTS TODAY THE VA IS OFFERING INTERESTS OF 4.48 % TO XXXX XXXX BESIDE WE HAVE MORTGAGE ASSISTANCE {$32000.00} AND ALL THE MONEYS OWED FROM MORTGAGES NEVER APIED PAYMENTS NEVER APPLIED REIMBURSEMENT CHECK SENT EXPIRED FOR 15 MONTHS?? LATE FEES SERVICE FEES TO SERVICE THE LOAN AND APPRAISAL FEES CARRINGTON IS NOT A BANK WE NEVER APPLIED FOR ANY APPRAISAL CARRINGTON MORTGAGE SERVICERS NEVER ONCE COMPLIED REPLIED SEND ANY MAIL THEY WRONGFULLY REPORTED OUR 'S PAYMENTS LATE PLUS THEY ILLEGALLY REPORTED OUR 'S MORTGAGE IN OUR 'S 3 CREDIT BUREAU 'S THEY DESTROYED OUR 'S CREDIT WE HAVE NOT CAR BECAUSE OF CARRINGTON MORTGAGE SERVICES OUR 'S HEALTH COLLAPSING WE SENT 129 EMAILS 68 FAXES WITH THE BANK STATEMENTS WITH THE VA LETTER STATING THAT IF THE FORBERANCE WAS PLACED AT THE END OF THE LOAN THAN 1EACH POINT WOULD HAVE CHANGED OUR 'S INTERESTS FROM 2.875 % TO 3.875 % FOR 30 YEARS FIXED BUT CARRINGTON MORTGAGE SERVICES RECEIVED {$32000.00} FORGIVNESS FUND UNDER M.A.AND PLUS ALL THE REST DISREGARDING THE RULES LAWS AND REGULATIONS UNDER THE FEDERAL AND STATE LAWS. CARRINGTON MORTGAGE SERVICERS ARE DISGUSTING EVIL PREDATORS ALL THEY DONE AND ARE DOING TO US NEED TO BE STOPPED. THEY ARE RUNNING ILLEGALITIES SCAMS STEALING AND NOT COMMUNICATIONS WHATSOEVER ......
01/07/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 78613
Web
In XXXX XXXX, I discovered during a telephone conversation that my mortgage had been acquired by Carrington Mortgage Services. This allegedly occurred in XXXX, but I was never notified. ( I did receive a couple of voicemail messages during that time, but I assumed it was a solicitation to refinance my mortgage because I had received calls from other companies for this purpose. ) During my initial phone conversation, I requested written verification via email of Carrington being the new mortgage servicer. This request was refused. When I asked to speak with another representative, I was told that my call could not be transferred and that I would have to call back. During my second telephone conversation with Carrington, I again requested information in writing via email or fax so I could confidently submit payment to the appropriate company. Again I was told this was n't possible, but was promised a request for this information would be submitted to that department. I was told this would be mailed to me within 7-10 business days. The representative indicated he could take a payment over the phone. When I told him I was uncomfortable doing that, he encouraged me to register on Carrington 's website. I did this, but the website did not allow me to access any information about my loan, nor would it allow me to make a payment. It showed my name and a loan number. On XXXX XXXX, XXXX, I contacted Carrington again to tell them I still had not received a statement or confirmation regarding the sale of my mortgage. Again, I requested something in writing via email or fax. I indicated that I would submit any payment due as soon as I received confirmation. I was yelled at by the employee and told that I did n't need to be worried about receiving anything in writing because my loan was in preforeclosure. I immediately asked to speak with someone else and was disconnected. I tried nine more times to call Carrington that day. Each time I entered in my account number, the call was immediately disconnected. When I finally got through to someone again, I was told that my loan was not in preforeclosure, as had been stated by the previous representative. This was obviously a falsehood and a scare tactic. She told me that she would send me information by email within 72 hours. She also indicated that payment could now only be made through certified funds via XXXX XXXX. When I asked for a more secure transfer ( bank to bank ), she provided me wiring information to XXXX. I have now received an email statement from Carrington, but still nothing in writing regarding the acquisition date, etc. Prior to this loan being acquired by Carrington, I was never even a day late on my mortgage payment. Payments were automatically drafted from my bank account. When I inquired about initiating this process with Carrington, I was told that it would be available only after the loan was brought current and remained current for a six month period!
03/11/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 22193
Web Servicemember
I have had several loan modifications Wrongfully cancelled by Carrington Mortgager. I am filing this complaint to have their Loan Modification practices investigated and have my loan modification reinstated. I am a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran. My father and I have had a lot of health issues and XXXX. We have been working extremely hard to be able to keep our home. Carrington has made it incredibly difficult and stressful to be able to save our home. They keep changing their requirements like they did for Loan Modification they approved XX/XX/XXXX and the one they wrongfully cancelled XX/XX/XXXX. I was approved for a trial Loan Modification XX/XX/XXXX with payments of XXXX XXXX, XXXX and XX/XX/XXXX. I completed payments and was sent paperwork to finalize loan modification on XX/XX/XXXX. They requested for the paperwork signed and notarized back by XX/XX/XXXX ( less than 7 working days. ) I got paperwork signed, notarized and sent by Fri XX/XX/XXXX via XXXX XXXX. Tracking number XXXX. It arrived on XX/XX/XXXX and Carrington Mortgage did not receive the package because they were CLOSED due to it being XXXX XXXX Holiday. I got notice that the loan modification was cancelled due to them not receiving signed and notarized paperwork on time. I filed a dispute and showed the XXXX dates along with it saying they were closed on XX/XX/XXXX so the paperwork could not be delivered. They still denied continuing my loan modification. My 3 payments have not been accounted for even though I have requested a detailed statement about where they are. They initiated foreclosure procedures again and said I would have to start the loan modification process all over again. I filed loan new loan modification paperwork XX/XX/XXXX. I then received notice dated XX/XX/XXXX that the modification had been cancelled at my request or that I no longer wished to keep my home. Both of these statements are false. I DID NOT cancel loan modification. I still want to SAVE my HOME. I made no such cancellation and them cancelling it without my knowledge or consent is illegal. I filed an FHA/HUD case number XXXX and was advised my ex husbands signature would not be required with the documentation provided. I included this information in loan modification request. My ex husband keeps maliciously trying to stop my loan modification when he has no say in the matter as shown by the paperwork provided. Documents included in the loan modification application that renders my ex husbands signature not required are included in attachments. 1 ) Separation agreement 2 ) Separation addendum 3 ) Final Divorce decree 4 ) Signed Deed of Gift my ex husband signed 5 ) Recorded Deed ( with my name only ) 6 ) First Loan Modification done by XXXX XXXX XXXX XXXX I am including Loan Modification paperwork, XXXX paperwork, Trial loan modification paperwork and HUD/FHA case information. Your assistance in this matter is greatly appreciated.
04/22/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MA
  • 015XX
Web
I am seeking help with an issue I am having with Carrington Mortgage. My loan was purchased by Carrington in XXXX and a few months later we ran into financial hardships. We asked Carrington for assistance and were placed on a hardship plan to help us keep the home. Our understanding was our missed payments were going to be added onto the end of the loan. I have called a multiple times to inquire as to why the payment was going down so slowly and why I was still paying PMI after 10 years. This has caused a financial hardship as my credit rating can not be improved because it looks as if I have been paying a mortgage for XXXX years and have only paid off 6 % of the loan. When I called to discuss this with Carrington they stated that we in effect repurchased the home in XXXX and my new loan discharge date was XXXX. I informed them that they had charged us more for the home than we originally purchased it for and our equity in the home had been taken. They stated that I did not purchase the home until XXXX or XXXX. I explained that I had purchased the home in XXXX and we have been living here since then. This has caused my wife and I to have a low credit score as it shows my home was purchased in XXXX for XXXX and I currently owe XXXX. I have called in the past to ask why I am still paying PMI. Recently I asked for the originating papers to be sent to me which showed the home for XXXX. I called back and was told I took out another mortgage in XXXX on the home for XXXX. I asked for the papers to be sent to me from XXXX and the papers with my signatures are not the papers with the amount stating I owe the new amount. I was told My PMI was falling off in XX/XX/XXXX which would be 5 years from XXXX. Also at no point has Carringtom reported the credit bureaus any other amount besides the XXXX, I feel I should be much further ahead in my payments and the principle should be drastically lower. I went to refinance and was informed Carrington is not licensed in Massachusetts anymore. I then went to another mortgage company who directed me to the attorney general 's office and stated I should continue to resolve this issue with Carrington because it could cost me a lot of money since we have already paid so much toward the home, I am going to attach paperwork I have in regards to this issue. I was directed by the Attorney Generals office to reach out to the consumer financial protection bureau first. Any assistance would be greatly appreciated. We requested paperwork from Carrington and the paperwork with our signature did not mention a new amount and pay off date. One of the paper stated we had a new amount and pay off date but this paper does not have a signature and neither my wife or myself had seen this paper before. We would have let the house go before we lost all our equity and paid more than the original loan. Requesting hardship assistance should not cause a greater hardship and add 7 years to a loan.
01/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37086
Web
Loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. New servicer stated it would take system 60 days to stabilize due to the influx of loans transferred from XXXX to Carrington throughXX/XX/XXXX. - Comments : Please research the discrepancy listed below. Issue : Fradualent, unfair business practice. Conflicting payment amount information listed through online payment portal compared to information available to customer service center system. Due to these deceptive practices I am now accessed additional late fees, in jeopardy of accelerated foreclosure proceeding which incur attorney fees and fees to examine property, detrimental erroneous credit reporting delinquency, and possible further court appearance by ex-husband to request the property be sold since it shows late payments. The hardship was incurred due to XXXX deceptive and fradualent practices. - Comments : Please research the discrepancy listed below. Issue : I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX. I spoke with customer service rep on XX/XX/XXXX. I was informed I was unable to pay online and had to contact via phone, because the account showed 3 months past due. XXXX did not see that any late fees for been accessed, yet could not explain why despite the system showing missed payments for XX/XX/XXXX. Action Requested : 1. ) I am disputing the information disclosed on todays call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing : BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX.. I can not make payment by phone, because customer service says the system would not take 1 singe payment. I needed to make 2 payments since the account was behind. Next option was to pay thru XXXX XXXX.. Action Requested : 1. ) I am disputing the information disclosed on XX/XX/XXXX call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing.. BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.
07/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33142
Web
Carrington Mortgage Services , LLC . is engaging in unethical and predatory business practices. Ive been experiencing financial hardship, and this caused me to fall behind with my mortgage payments. From the time this company has taken over the servicing of my mortgage I received nothing but rude unprofessional service and inconsistent responses. My complaint is regarding the loss mitigation process and the company refusing to take my payment. On XX/XX/XXXX I call to check on the status of my loss mitigation application and the representative stated that my XXXX tax return was not signed and that is what is holding up the process. I replied that I didnt have access to a printer thats why I supplied the official XXXX transcript from the IRS. I questioned why, was the XXXX tax transcript acceptable and not the XXXX transcript. He could not answer the question and only replied just send the signed the XXXX tax return. Then a few days later I get a letter from Carrington dated XX/XX/XXXX stating my loss mitigation application has been cancelled because I did not supply requested information. This is an absolute lie. I have dated emails to prove this and I even sent all the information again. On Friday XX/XX/XXXX I made a {$5000.00} payment via XXXX. When I called to confirm that my payment has been received, the representative by the name of XXXX # XXXX stated my payment was returned because my home is in foreclosure and has been since XXXX and it is company policy not to accept any payments. She then went on to say that she can request a reinstatement and the XXXX billing statement with a total amount due as of XX/XX/XXXXas {$5800.00} is not the correct amount I owe. I questioned, how is it incorrect she stated that attorney fees will be added, I questioned why when the {$5800.00} includes attorney and filing fees totaling {$1100.00}. She then stated that the attorney fees accrue daily. What makes this so disheartening is the fact that I checked with the clerk of courts and nothing has been filed with them. Furthermore, when I was sent the loss mitigation application, the rep stated that while going through loss mitigation, the foreclosure process will be temporarily halt. Thereby giving additionally time to come up with the money. In addition, I was only short {$170.00} because the {$640.00} was not due. This companys only agenda is to take my home. The loss mitigation is a joke they never had any intention on processing my application because I supplied everything they requested and to come up with {$5000.00} only to have my payment returned is unbelievable. Please dont allow this company to do this to me or anyone else that maybe going through financial hardship. These practices can not be legal. Please any help with matter would be greatly appreciated. Please dont allow this company to take my home its all my kids and I have. I have lost my marriage and my business ; I cant lose my home.
05/16/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CO
  • 809XX
Web Servicemember
Please CFPB people follow this complaint and make sure that it is answered reasonably. I keep submitting complaints and I can't even get a single point of contact assigned to my case in response. Carrington answers in volumes of irrelevant words and does not address the problem. No one is holding them accountable. They have also claimed that my complaints are duplicates. They are not duplicates, Carrington has not addressed the problems in the complaint!!!! THIS IS NOT A DUPLICATE!!!! Background : I qualify for over half a million dollars in mortgage loan ( see attached pre auth letter ), we can not refinance this property because it is in default due to a financial/medical problem from XXXX, three mortgage servicers ago. Moving isn't an option for us at this time or we would move. We have not been assigned to a single point of contact despite the laws that require this and multiple CFBP complaint to this effect. We have submitted countless modification applications to Carrington and they are not following VA loss mitigation guidelines either. They are cancelling my loss mitigation applications without cause, without reasonable notice and in opposition to their own statements. We submitted a full hardship application with a letter of explanation for the one piece of information that I was unable to get. A letter was sent to my attorney stating that the application was complete and to send some documents " if applicable '' ( Carrington letter attached ). The documents were not applicable, we submitted everything else, Carrington cancelled the loss mitigation application with no further communication. My attorney responded with the attached letter dated XXXX XX/XX/XXXX from XXXX law. Carrington did not respond. We submitted yet another loss mitigation application on roughly XX/XX/XXXX. We received an email on XX/XX/XXXX ( attached ) stating that it had been received, would be reviewed and sent to underwriting. On Friday, XX/XX/XXXX ( XXXX attached ) I received an email stating that what I had submitted was incomplete and to call the main number at Carrington to discuss, NOT a single point of contact. Today, which is my first opportunity to call, is Monday, XX/XX/XXXX and I received a letter stating that my modification application had been cancelled for lack of receipt of additional unspecified documents. I was given no time and no information to succeed. How is this reasonable? Please assign my case to a single point of contact. Send me a document with this persons name and contact information and how to reach them by phone. Follow VA loss mitigation guidelines as well as Colorado and federal laws please. This is circular, time consuming and stressful to the point of causing physical symptoms. Please assist us in getting a reasonable solution. We are more than able to pay the mortgage at this time. We need a plan to pay what has accumulated in arrears due to the hardship years ago.
06/27/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NJ
  • 08016
Web Servicemember
On XXXX I received notice that my mortage was being transferred to Carrington Mortgage company On XXXX I received a letter that an escrow analysis had been completed and due to the projected taxes, our mortgage would increase by over {$600.00} a month. On XX/XX/XXXX XXXXI contacted Carrington and advised them that my taxes had not been increased and the analysis was wrong. I spoke to XXXX in the tax department, and she advised me to send them the letter from my tax assessor. I uploaded my tax document and was told it will take XXXX days to research. On XX/XX/XXXX - I called my municipal tax assessor to confirm that there was not a tax increase and she informed that there had not been and the amount I had for my taxes was correct. On XX/XX/XXXX - I called Carrington Mortgage to find out the status of the escrow analysis and spoke to XXXX who indicated they received my tax document with the correct taxes, and she would request a new escrow analysis, On XXXX I called Carrington Mortgage and spoke to XXXX and she said she could see the new request for the correct taxes and a new escrow analysis would take XXXX days. On XXXX I received the exact same escrow analysis letter as the XXXX on XX/XX/XXXX and nothing was changed. On XXXX I called Carrington Mortgage and spoke with XXXX again and she was frustrated because the XXXX Department didn't look at her notes the first time with the correct quarterly taxes. I was assured again that it would be taken care of. The mortgage payment for XXXX was not sent because the mortgage payment amount was incorrect. I informed this company that I did not want to be charge a late fee and have my credit affected because of their error. Was told that they could waived the late once everything was corrected. On XX/XX/XXXX - I called Carrington Mortgage and spoke to XXXX and he said he saw the escrow request and it would be updated in the system no later than XX/XX/XXXX and I would have the correction in my account so I could pay the correct XXXX payment. On XXXX I checked my Carrington Mortgage account again there had not been correction. So, I called again and spoke to XXXX, and then XXXX in the XXXX Department that said they had made the changes to the taxes on their end, and she transferred me XXXX in customer service, and he transferred me to XXXX who said she will contact the XXXX Department and get back to me. This process has been extremely stressful and time consuming. I have never had this kind of problem with any escrow analysis on another house I own for over 30 years. This company has projected an outrageous tax increase without checking the facts and expected us to pay this significant increase in our mortgage payment. Carrington Mortgage has not done its due diligent and has not properly assess my taxes based off facts not projections. I find this to be an unfair practice and predatory and they should be investigated immediately.
02/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 144XX
Web
Below are notes I have taken while speaking on the phone with Carrington Mortgage. Customer care agents have been helpful at times but seem to focus only on taking or processing a payment, they neglect the need to do anything more than this most of the time. Escalation agents have been professional and helped usually but most fall short and also neglect to call me back, or update IT tickets in any manner. They still need the manager 's assistance to do most things. This makes me think, I am speaking with a long-term agent also in customer care or is this actually an escalation team? XXXX ID : XXXX - first escalation specialist I spoke with. marked my IT ticket opened on XX/XX/XXXX as urgent. This ticket ended up being close stating no trouble found. No members from IT called me to discuss this. First IT ticket : XX/XX/XXXX Supervisor submitted Second IT Ticket : XX/XX/XXXX Agent requested email to supervisor. Spoke with Agents and requested IT ticket - Unknown original agent information as no notes were placed on the account. XXXX ID : XXXX - customer care agent, was rude while on the phone refusing to transfer me to the escalation team. XXXX ID XXXX - asked to open IT ticket for payment error, no ticket was opened XX/XX/XXXX ID XXXX- Same request to open a ticket but one was not opened. XX/XX/XXXX ID XXXX - requested IT ticket and to escalate, was transferred back to another customer care rep not the escalation line. XX/XX/XXXX - Spoke with Customer service agent who refused to escalate me prior to reading all the notes and then was given permission to escalate. Took 15 minutes, I requested he see that in the notes I spoke with XXXX on XX/XX/XXXX in the escalation department and should just transfer me. Spoke with XXXX in escalations who reached out to XXXX. XXXX and their manager rebuilt my profile and asked me to try processing a payment again. I attempted using the app and got the same error advising my routing number or account numebr are invalid. XXXX submitted a new IT ticket since the original was closed saying no issue on there end. XXXX then transferred me to Leasing department agent XXXX XXXX who stated " '' Doesnt have an ID '' and is not licensed in NYS. Said he was unable to notate my account he didn't have the ability then instantly mentioned he could try to note the account advising I have called in and would not be making my monthly payment but that he could confirm this probably will affect my month to month billing history and not meet the 12 months in a row for lending options to open up. I advised I would be starting legal action against them. XX/XX/XXXX - spoke with customer care and escalations team, no update on IT ticket, still unable to process payment online. Advised I have until XXXX XXXX EST to pay XXXX the automated phone system or by XXXX XXXX EST with an agent on the phone. Advised I would try the phone system at XXXX XXXX EST.
03/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • WI
  • 53218
Web
I was pre-approved for a loan with XXXX XXXX XXXX in XX/XX/XXXX. I found a short-sale property in XXXX of XXXX, and my loan officer XXXX XXXX immediately ordered my initial disclosures and had them sent to me. I received disclosures from XXXX and Carrington Mortgage, which is their TPO broker. I asked my loan officer why was my loan locked in XXXX and she stated that all loans should be locked right away. As with most short sales, the process was drawn out due to the seller ( XXXX ) was taking their time to review the offer. Throughout the process, I received 5 LOCK EXTENSION FEES. I felt like this could have been avoided if we did not lock the loan right away. I asked my loan officer on XX/XX/XXXX if there was a different interest rate available that could offer a credit to assist me with the amount of fees that were being added to my loan and I was told no. Finally we were on track to close by XX/XX/XXXX, until I was told that my credit report expired on XX/XX/XXXX, due to an " oversight '' on the Carrington underwriter. Once my credit was re-pulled, they stated that my credit score had dipped below XXXX, so a re-score had to be completed. It took almost a week for this to come back, and our deadline to close was today XX/XX/XXXX. I was looking for a CTC on Tuesday, but didn't get it until Thursday XXXX. Today XX/XX/XXXX I did not receive a final CD until I arrived at the closing, where my closing costs had increased from approximately {$6200.00} to over {$7300.00}! At the closing table I noticed that Carrington had made a couple of huge monetary errors on my Closing Disclosure. No one bothered to fix the numbers, therefore I walked away from the closing because it had become unaffordable for me at this point. The mortgage company also violated TRID by disclosing an appraisal re-inspection fee to me 2 weeks after they were aware that it was needed. Also, a title update fee was charged on my final CD that I was not aware of and it was never disclosed to me. I was told that sometimes extra fees from the title company just needs to be added. That is not true. As someone who has been trained on TRID, I can just imagine how many customers who are not mortgage savvy has been taken advantage of by Carrington Mortgage. As a consumer I asked for my closing figures be a little more accurate so that I didn't have any cash to close surprises. My requests were ignored several times. I was told that my requests would be on the final CD. Due to this fiasco, I now have to go back to my landlord to see if I can rescind the 30 day notice that I have him. This is the worse consumer experience that I ever had to go through.No one cared how this has affected me physically and emotionally. I am a single mother of a XXXX year old daughter, and it hurts me that I have to break the news to her that I can't buy this property due to the carelessness and lack of professionalism of Carrington Mortgage.
07/25/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CO
  • 80016
Web Servicemember
I sent a Principal payment in the amount of {$2900.00} which Carrington Mortgage received and cashed on XX/XX/XXXX. On that same date, they applied {$850.00} of that amount towards the Principal ( Curtailment ) ; however, the remaining {$2000.00} has remained unaccounted for. While this is the amount of my monthly mortgage, my monthly mortgage payment of {$2000.00} was auto-drafted from my checking account on XX/XX/XXXX. Once I realized that the payment was never properly applied, I contacted the mortgage company by phone on XX/XX/XXXX. The representative that answered stated that the funds were sitting in my account and were unapplied. She stated she would make a note in the file and forward the issue to another department to get the funds applied. She could not provide me a time frame in which the issue would be corrected. I continually watched the payment history on my account to see if the issue had been corrected. On XX/XX/XXXX, I noticed that the {$2900.00} had been listed as a " Principal '' payment as XX/XX/XXXX, but was also listed under the " Suspense '' column as ( {$2900.00} ), which indicates that it was removed. I contacted Carrington Mortgage once again by phone on XX/XX/XXXX. The first person that answered the phone stated that it was applied on XX/XX/XXXX. I told him that was erroneous, as it should have been applied on XX/XX/XXXX and that the company has continued to charge me interest on money that I have already paid. He placed me on a brief hold and when he returned, he stated that it would not be corrected because it was my error. He went on to state that I mailed my payment to the regular mortgage payment address, when I should have sent it to the " principal payment address ''. I explained to him that I sent it using the payment stub attached to my monthly billing statement. There is a line indicating " principal '' on the payment stub and that is what I use. Under the " monthly payment '' box I put " Auto Draft ''. I have been submitting additional principal payments in this manner to the address on the payment stub since XX/XX/XXXX with no issue. He stated that he was told by an individual in a higher position that they could not do anything further. I asked to speak directly to that individual. When I was transferred to this individual, I believe her name was XXXX, she stated that it was not because of where I sent it, but that they were unable to back date it in their system. I told her that was unacceptable. It was their error. They cashed the check on that date and I should be credited with the principal payment as of that date NOT two months later. She stated that she was going to reach out to a different department and would contact me back within 72 hours to follow up. It has been 12 days since that conversation and I have not heard back from anyone at Carrington Mortgage nor has my principal payment from XX/XX/XXXX been corrected.
01/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34668
Web
XX/XX/XXXX, XXXX XXXX XXXX received {$25000.00} on my behalf from Hardest Hit Fund mortgage Reinstatement program. At the time I owed {$42000.00} XXXX XXXX XXXX had previously denied my modification applications on my loan due to a outstanding issue which was an appraisal submitted to XXXX in XX/XX/XXXX from XXXX XXXX XXXX. ( an XXXX company owned by me in the past ) I submitted an explanation or rebuttal explaining that I did not submit a report to XXXX and I had experienced a situation with theft of signatures that had been reported to the XXXX .They denied my explanation and refused my RMA. At that time I applied to the hardest hit fund, and as I said was approved for {$25000.00} reinstatement loan, which XX/XX/XXXX XXXX XXXX excepted. At that point I still has a past due balance. I called XXXX and was told to make my monthly mortgage payments of {$680.00} I paid XX/XX/XXXX, XX/XX/XXXX and when I went to pay XX/XX/XXXX the would not accept my payment and said I was back in foreclosure. They did not send me and intent to foreclose. In XX/XX/XXXX they did send a Modification package, but since they did not accept modifications from me I submitted a package through consumer debt councilors. XXXX XXXX did personally speak to the bank who was aware that I was looking to modify my loan to help pay the past due amount.My XX/XX/XXXX statement said my payment was late and I had a past due balance of XXXX On XX/XX/XXXX I received a notice that they were transferring the service on my loan to Carrington Mtg services, LLC as of XX/XX/XXXX. On XX/XX/XXXX I received a statement that XXXX was the total amount due and stated my loan was in foreclosure.I feel that they wrongly excepted the reinstatement from the government without providing me an agreement to pay past due amount, and feel they did not follow the correct procedure to return my loan so quickly to foreclosure. I am now having an issue with Carrington Mortgage they have a fraud item flag on my account due to a pay stub submitted in XX/XX/XXXX on my behalf that had the same year to date as the prior stub.This was received from a third party at my former place of employment and my only explanation could be they had ripped up my documents and than tried to put them back together. I have no proof, no longer work there and the company has had a completed employee turn over so no proof exists and they will not accept a modification package or repayment plan from me. I did hire an attorney from XXXX, XXXX XXXX, reputable Real Estate attorneys near me, but as luck would have it my attorney XXXX XXXX has quit his law practice in search of another career and I am stuck on my own. Please help me to find out if my rights have been ignored by XXXX and if I have any recourse. I just want to keep my home and pay my past due and current mortgage My loan is owned by XXXX XXXX XXXX XXXX XXXX as Trustee for the holders of XXXX XXXX XXXX.
09/26/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • KY
  • 40219
Web
I had been taking advantage of the forbearance program offered by my then mortgage company XXXX XXXX back XXXXXX/XX/XXXX. In XXXX XXXX I was notified that my mortgage was being sold to another company and well be serviced by ( Carrington mortgage services ). I contacted Carrington to setup my account information and to conclude the forbearance program offered. I person told my forbearance period would be ending XXXX and that I would need to filled out a " loan modification '' and send it back to them i did so XX/XX/XXXX. at the time the document showed an arrears of {$7900.00} this figure is end conflict with a mailed billed dated XX/XX/XXXX that states I owe {$8700.00} That person at carrington contacted me stating the documents didn't pass their companies quality control department. This also happened again on XX/XX/XXXX when I Resubmitted with new dated signed on them by the notary and me. On XX/XX/XXXX. This set back had caused a delay in the forbearance period ending. The final approved loan modification on XX/XX/XXXX. During the extended time involved in finalizing these documents. Carrington ( mailed me ) again extended for forbearance time to end XX/XX/XXXX. The final documents signed and dated were approved and submitted on XX/XX/XXXX. I believing that my 1st payment due on XX/XX/XXXX. XXXX made the payment online through carrington web portal but ; It showed that payment went towards the XXXX payment of my account. I contacted the same person at carrington and told me that the XXXX and XXXX payments would not be required. this statement is also in his email to me. I tried to log in to my carrington account online to make my XXXX payment only to see i'm locked out from making a payment. i contacted carrington and asked what i need to do. A different person told me that my forbearance ended XX/XX/XXXX and that i'm too far behind to use the online payment option. I explained I had a company letter head mail stating by forbearance end XX/XX/XXXX. That person said " they see no record of that in my file '' He also asked if I would email him a copy of the letter which i did XX/XX/XXXX. Carrington and it's agent had giving me and extended period of time to complete and return the required documents they needed. their agent told me and also in emails that I don't own for the months of XXXX and XX/XX/XXXX. I've repeatedly asked for copies of their documents from the quality control department that show the reason why they fail. this too was never replied to. They ( carrington and it's agents ) have refused to reply to multiple calls regarding this matter. even during conference calls with a 3rd party credit/debt resolution company. I want to make my payments and carrington and/or it's agents well not let me. The Final FHA load modification paperwork carrington submitted and approval for is wrong. It wasn't signed, submitted and approved until mid. XX/XX/XXXX.
05/16/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • KY
  • 42701
Web
We were contacted via mail and phone that we had failed to pay our XXXX 2015 mortgage payment. We advised that we had made said payment and faxed a copy of our bank activity print out to confirm that the payment had been sent, received and deposited. A few days later we were contacted again demanding payment and they had no record of a fax being received. We were told to contact another party to handle the missing payment and fax. When asked to be transferred to her desk/office ; we were told that she as unavailable and to leave a message. As of this date our messages have not been returned. Again we were contacted via phone and sent correspondence of our failure to pay XXXX 's payment. Again we advised that our payment had been sent electronically and we had our bank statement to verify same. We were given a address to mail the copies of our bank statement ; to which we complied. Again we were called and contacted via mail that we were in default and we had failed to make our payment. We advised that we had not only mailed a copy of the electronic check but had mailed a copy of our bank statement verifying that the payment had been made and received. On XXXX, we received a packet requesting that we fill out for third party authorization and assistance on our loan per our request for same. At no time have we made such a request. We have had nothing but trouble with this company since our loan/mortgage was sold. We have never failed to make our mortgage payment to Carrington or to XXXX and to have our mortgage sold to a what is nothing more than a collection agency that has numerous complaints for its deceptive practices is alarming. In addition, Carrington failed to pay out property taxes but insisted that they had ; it took 2 months to resolve this issue before the taxes were paid with a penalty. This company has sent written notice of its intent to pursue other action and to report this as a negative on our credit report. It should also be noted that our bank has also sent documentation/verification to Carrington that the payment was sent, received and deposited. After filing a complaint with BBB, we received written notice of intent to foreclose on our home. The correspondence stated again that we had failed to pay XX/XX/XXXX payment. Today we received documentation advising us of our rights under the Servicemembers Civil Relief Act. When will this nightmare end! We have done everything that has been asked and provided documentation that our payment was made. I want credit for my payment, removal of all late fees and charges and all if any negative information sent to any credit bureau be retracted/removed immediately. Based on this company 's history ; it should be investigated by the Attorney Generals Office, Federal Reserve, Federal Trade Commission and the FBI. We intend to file a complaint with each agency and legal litigation unless this is resolved
12/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • XXXXX
Web
We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company Carrington Mortgage reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XXXX/XXXX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XXXX payment and would have to wait till XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XXXX/XXXX/XXXX. I said no my mortgage has been current as of XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into Carringtons handling of mortgages and credit reporting!
04/05/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OR
  • 97266
Web
I have an FHA loan. Carrington mrtg is my servicer. I fell behind on my payments in XX/XX/2018. In XX/XX/2018 the took a payment. In XXXX the returned a XXXX. Money order payment. They locked my account on XX/XX/XXXX and started foreclosure. My money order which is now not useable to me because its written on and banked stamped was returned to me. On my statement it is written that is payment in full is not sent monies will be held in a suspended account. Heres my issue. I called FHA after Carrington refused payments and locked my account. FHA stated they had seen my prior 5 years of perfect payments and they dont foreclose unless I am 6 months behind. I was not but now due to Carrington refusing my payments I am now 6 months behind if you include XXXX. Its unfair. I am honestly trying and making an effort. I am a single mother. I lost my job of 10 years. I have taken a XXXX an hour pay cut. I requested a reinstatement. Its an outrageous amount. I have filed for a modification. Im still waiting. This morning Carrington called my phone but once again left no voicemail as to why they were calling. I logged into my account and ot stated call point of contact for modification. So I called. I entered all my identifying information. And it keeps routing me to single point of contact line that is closed. This is at XXXX XXXX in the morning on a friday. They are closed on a weekend. Again precious time being wasted giving me the run around. The have my email to send me requests and information as well. My house has doubled in value since I purchased it. It feels like they are trying to make me foreclose and force us out. I feel as though they should not be allowed to lock my account and refuse payment especially if I have in writing that it will be placed in a suspended account. If nothing else FHA would then be able to see I am making an attempt and not really 6 months behind and see what this servicer is actually doing to low income homeowners. Please help. I have a hud counselor but she has only gotten as far as I have. Also if and when I get this situation fixed I want to know how I can get a different servicer. I absolutely do not TRUST the company. They are horrible and treat their clients that are struggling awful. They dont explain anything. Everything I have learned I have had to research online. When I say I dont understand something they just repaet themself. When I ask about and option I hear its up to you whatever helps you sleep at night. Its horrible.This is my only home. Im am trying like crazy to save it. My payments are XXXX. A month I have XXXX. In returned and refused payments. Plus my current payment thats due for XXXX on the XXXX which has been my payment date for over 5 years.I understand I would still be behind but only like a month an a half but now they want a few thousand dollars in fees. I just dont understand how a company can do this.
10/24/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • Paying off the loan
  • GA
  • 30907
Web Servicemember
My mother recently passed away. She had a reverse mortgage with Carrington Mortgage company. I requested by e mail a request for the payout of the mortgage. Weeks later l received a payout response dated XX/XX/2023 described as being good through XX/XX/2023. ( payout 1 attached ) I have been communicating with XXXX XXXX, an employee who has been completely unhelpful. My brother XXXX paid the principal, interest and XXXX total of {$72000.00} on XX/XX/2023. ( payment attached ) The payout had also listed charges for attorney cost and fees of {$570.00}, appraisal of {$420.00} and property inspection of {$40.00}. We did not pay those charges. I have closed out mortgages before and have never encountered such charges. XXXX informed me that the loan was in default and this resulted in attorney fees. We were never informed verbally or in writing of any impending default. There has been no appraisal or inspection of the property and I see no legitimate reason for these. XXXX informed me that these items were in my parents agreement. I have requested a copy of my parents agreement/contract and received none. I requested a copy of the attorney work product responsible for the {$570.00} charge and received none. A second payout document was sent to me dated XX/XX/2023 ( payout XXXX ) and described as being good through XX/XX/2023. The principal, interest and XXXX were different on that document without explanation. The appraisal fee was increased from {$420.00} to {$870.00} and a new fee for title cost appeared for {$290.00}. There has been no appraisal or property inspection. The total payout increased from {$73000.00} to {$75000.00} despite the fact that Carrington had been paid {$72000.00} on XX/XX/2023. I was informed my complaints would be sent to their complaint department and have received no response. On XX/XX/2023, we received the {$72000.00} wired back by Carrington Mortgages. ( attached return of payment ) This was total payment of principal, interest and XXXX that we had a right to pay. It was paid to Carrington on XX/XX/2023. On XX/XX/XXXX, I requested an updated payoff document. Today I have again requested a payoff document and received XXXX later in the day. ( payout XXXX attached ) The new payout document fraudulently added thousands dollars in increased principal, interest, attorney costs, appraisal costs for an appraisal that was never done and inspection costs for an inspection that was never done. They refuse to respond to my legitimate questions. They never sent notification of any impending default. They refuse to send me a copy of my parents contract. They refuse to tell me who the lawyer is making these ridiculous charges. No doubt, they are engaged in these types of activities with many grieving families throughout the nation. This company engages in unlawful and fraudulent charges to my family after the death of our mother.
03/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IN
  • 471XX
Web Servicemember
We have had several banks over the years go under or get in trouble and we get sent to a different lender. Some times we pay the payment and then it gets frozen in the other banks account by government and then it takes months to show we paid in the mean time we have proven we made it cause it is on bank statements, yet the new lender would charge us late fees. We went to court over it 2 years ago with XXXX and thought they were to remove the fees move the payments and the new lender was going to lessen the amount since they had increased fees which was not due to anything we had done. Not having a lawyer we could not fight them and so we paid the amount sent to us even though other paperwork we had showed a lessor amount. We would receive foreclose paperwork every month and when I would call they would say disregard it is sent automatically and since we had paid the payment it was no longer actively being pursued. When we asked why our payment was higher than what was agreed upon in court they would give us a comment like taxes went up but when we called clerks office they had not, then it was insurance increase, we called no it was the same. We had a decrease in pay with my husband losing his job after XXXX and being limited to weight he could lift, FMLA ran out and the job let him go saying he could return once his limit increased but they no longer would hold his job. We missed 2 payments I sent in letter saying what had happened and said we would pay those payments over time and we had been, we were paying our monthly payment but we also were getting some late fees each month. We received notice of possible forecloser again so I called again and they said we will cancel it and send out a notice of what was owed to get caught up. When we received it the amount showed XXXX missed payments so I again called. They told me they had declined my last 2 payments and needed to contact XXXX to receive the money. That was for XXXX payments 3 months before. I asked why we had just now been informed and only after I called to find out. XXXX is who sent me a notice I had money to come get not them. We were told we had until XX/XX/XXXX to decide if we wanted to pay the fees of over XXXX and start making payments again or they would proceed with foreclosure yet 3 days later we received court papers for the foreclosure. We want all documents they have to explain all the fees they say we owe and where they got the amount from. Please help us. We did contact a lawyer but they said this was our first step. We have worked so hard over the 10 plus we have been in our home and feel we are being bullied by cooperation. We pay our payments when others just walk away leaving the home we have worked so hard, put our own water lines and electric lines in, did our own XXXX foot driveway, cleared the home site ourselves with a small yard tractor. Thank you, XXXX and XXXX
08/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 070XX
Web Older American, Servicemember
I submitted an escrow payment as the result of receipt of a NJ property tax reimbursement check issued and sent directly to me as the homeowner to my mortgage servicer, Carrington Mortgage Services , LLC, on XX/XX/XXXX to cover any escrow shortage. However, the excess escrow distribution check was issued to my deceased parents ( the original signatories ), despite the fact that my parents death certificates have been on file with Carrington since XXXX ; Carrington previously confirmed in writing that they determined that I am the Successor in Interest of the property on XX/XX/XXXX. In addition, I assumed the loan and I am borrower on the loan. Moreover, prior to submitting the payment, I spoke with a Carrington representative in the Escrow Department, explaining the source of the check and the purpose of the payment, as well as submitted a copy of the letter from the NJ Division of Taxation for Carrington 's review to enable them properly apply the additional escrow payment. Nonetheless, after the escrow shortage was applied and a new escrow analysis was completed, the excess escrow disbursement check was issued to my deceased parents despite the fact that Carrington had their death certificates on file and all of the supporting documentation. Moreover, in order to have the disbursement check reissued in my name, I was informed that I would have to wait until 15 days passed from the date of issue of the original check, submit a written request to have the check reissued in my name to the Carrington Research Department, and provide my parents death certificates and supporting document ( proof of Executor of the Estate, probated will, etc. ). Additionally, I was advised that every time a new escrow analysis of the mortgage occurs going forward, I would have to provide the information listed above again, otherwise any disbursement check would automatically be issued to the original signatories ( as an extra layer of security and protection ). These seems absurd and unacceptable, especially given the finality of the decedents, and the confirmation from Carrington that I am the Successor in Interest of the property. I spoke with a Senior Resolution Specialist ( XXXX XXXX ) with Carrington Mortgage Services , LLC on XX/XX/XXXX, who said that he would contact the escrow department and see if there was a possible workaround, as well as inquire if I could be reimburse the {$5.00} processing fee I was charged for submitting the payment on Carrington 's website. However, he said that he couldn't give me any guarantees. Mr. XXXX provided me with an email address to submit my written request to expedite the process. But the email message I sent couldn't be delivered. It bounced back with an error message address not found or unable to receive mail. I don't appreciate the loss and consumption of my time, as well as don't appreciate tying up my money.
03/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • PA
  • 19606
Web
On XXXX Wife and I received a letter from our Mortgage Lender ( Carrington Mortgage ). This letter stated that in my wife`s claim they received from her on XXXX regarding her identity was stolen, It states they take any allegations of Identity theft very seriously in conjunction with the origination of our loan .Goes on to advise us that the above for mentioned our loan has been placed in dispute with the 3 credit bureau`s as they correspond with them. Carrington state for them to continue their Investigation the following is required to submit to them within 30 days of letter. Copies of picture ID social security card. Proof of residency during time of said alleged Identity theft occurred. A complete fully executed Identity theft Affidavit of her allegations and anything else she believes might reflect the unauthorized signature and have notarized. A complete. Fully executed Denial of financial responsibility declaration and notarized. Police report filed. A Formal report to the Federal Trade Commission. My wife contacted them XXXX spoke to XXXX and said how weird this was as she explained she didn't write a letter or notify Carrington or anyone else regarding her Identity taken. Wife never had Identity taken or used XXXX suggests that she write a letter their research department and request a copy of letter they receive alleging the Identity theft. Wife completed letter same day and faxed to Carrington mortgage. I also contacted Carrington because i wanted to know who authorized an investigation and reporting to the credit bureausand who filed the dispute. Customer service advised after she spoke to the escalation team that it wasnt my wife who notified them it was the Credit Bureau`s and they said to write a letter and ask for this investigation to be closed due to wife`s identity was not stolen or used and she never contacted Carrington as it stated she did in their letter. Customer service also said that the escalaton team would start the cancellation of their Investation. I said no I wan na know who started this who authorized this and wife nd I we never notifed first. Customer service then advised after speaking to escalation team that Carrington did`nt start the investigation or disputed our loan it was Credit Bureau . I asked which Credit Bureau and Customer service said she doesn`t know which Bureau. This is the second time I have contacted CFPB regarding this Mortgage company along with FHA/HUD , .Attorney General 's office, Consumer banking and financial, Senator office, Govenor`s office, FTC, Antitrust, House and senate committee . This is the second time I have to file a complaint against Carrington for their deceitful, harassment discrimination, feeling signaled out, constant worries of loosing of home. They cost me loss of refinancing with another lender in XX/XX/2021 due to deceitful falsification reporting to credit bureau`s.
11/20/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • CT
  • 06053
Web
I bought my home with a government backed FHA loan in XX/XX/XXXX. I am now facing foreclosure because of a misunderstanding regarding the mortgage payment. I have been told that there are no options for help besides full reinstatement or an expensive repayment plan. I feel that Carrington Mortgage has obstructed access to government programs that should be made available to me since I have a government backed loan. I have never been considered for a loan modification or a partial claim and was not even aware that there was a problem until two months ago. When I bought the home I lived here with my boyfriend and XXXX XXXX. My boyfriend covered the mortgage payment and I took care of all of the bills and groceries. In XX/XX/XXXX my boyfriend separated from me and moved out. Since we share a XXXX we made an agreement that he would continue to pay the mortgage payment until XX/XX/XXXX and I trusted that he was following through. I was contacted by Carrington collections in XX/XX/XXXX and told that I was behind on the mortgage payment. This was the first I had heard of this, as I was being misled that my boyfriend was still covering the house payment. I found out that he had not made a payment since XXXX. I spoke with an English speaking representative and there was some difficulty understanding because of language barrier. They offered me a repayment plan that I believed required a one month payment of {$2200.00}. I made the first payment and thought after that my payment would go back to {$1300.00} but then realized that there were two more payments of {$2200.00} that I could not afford. I called back in and asked for a Spanish speaker who helped me better understand. Once it was explained to me I said I could not make this payment. The agent said they would look at the information and see what they could do to help. I did not hear anything from Carrington so I called back and found out that I am in foreclosure. I am a single mom who works full time as an XXXXXXXX XXXX at the XXXXXXXX XXXX XXXXXXXX XXXX. I was surprised to find I was behind because my ex-boyfriend lied and told me he was still paying. Now the court said he has to pay me {$600.00} a month in child support but he has not given me any of this money yet. I do not want to lose my house and I know that because I have an FHA loan that there were several programs that could help and feel that Carrington should have explained that to me instead of pushing me into a repayment plan. I have never been granted access to government programs that your Carrington is required to make available to struggling homeowners with FHA loans. I have never been reviewed or considered for any of these programs like loan modification or deferred partial claim or recapitalization of arrearages or 12 month repayment plan ( not 3 month ) that your company needs to review me for. This has never happened.
11/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30030
Web
This is a new complaint against Carrington Mortgage Services, following a prior complaint ( Case no. XXXX ) which was resolved. Carrington Mortgage Services responded to prior complaint by agreeing to rescind a foreclosure and recognize a prior loan modification offer made to my client from a transferor servicer. In its efforts to fufill their commitment, Carrington Mortgage Services made the following errors in servicing my client 's loan : 1. While servicing my client 's loan, Carrington Mortgage Services ( CMS ) charged unsubstantiated and erroneous fees to his account totaling {$620.00}. These fees include a late fee for non-payment of the fees. After contacting CMS to request the basis for each fee, CMS gave a list of fee charges and dates that could not possibly apply to my client 's situation. Please see the attached letter for more detailed information. 2. While servicing my client 's loan, CMS failed to properly calculate and implement the permanent FHA loan modification pursuant to FHA rules. These guidelines require that servicers implement delayed permanent loan modification offer in such that it will, " put the borrower in the same position as he or she would have been if the servicer converted the borrower to a permanent modification in accordance with the program requirements. '' Please see the attached letter for more detailed information. 3. While servicing my client 's loan, CMS failed to respond to my client 's written dispute of the FHA HAMP modification terms, sent on XXXX XXXX, 2016. CMS Home Retention Representative XXXX XXXX instructed that I provide a written dispute of the modification terms and to fax it to a number he provided. XXXX XXXX insisted that the written dispute would be addressed within 30 days. CMS has still never responded to the written dispute. 4. While servicing my client 's loan, CMS improperly distributed funds from an unapplied funds account when they removed these funds without applying them to the mortgage as interest, principal or escrow amounts.. On XXXX XXXX, 2016 CMS subtracted {$320.00} from my client 's unapplied funds balance without then applying any amount to principal, interest, or escrow and without allowing that amount to accrue to a full periodic payment when XXXX XXXX 's made a Trial Plan Payment eight days later. In response to this complaint I request that CMS do the following : 1. Remove all fees and charges from my client 's account, as he is current on his mortgage. 2. Respond immediately to my client 's written dispute and re-execute the loan modification agreement using proper calculations in compliance with FHA guidelines, and do so without charging my client any fees or amounts otherwise. 3. Account for any and all funds removed from my client 's unapplied funds account, and credit any funds that were not applied to interest, principal, or escrow back to my client.
01/18/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 128XX
Web
I have been trying for a Loan Modification/assumption for the past seven years plus. My late husband and I started a LM in XX/XX/XXXX when he was XXXX. He passed in XX/XX/XXXX. Our loan was fixed at 5.8 % and was at XXXX we were hoping to get a lower interest rate ( I wish I had known then what I know now, we would never have applied, ) Part of the qualification to do a loan modification with XXXX was to be 3 months in arrears and if you paid you did not qualify for a Loan Modification. XXXX had me resubmit several applications for the next two years, giving me one reason after another why I needed to resubmit. Until one day I was told the reason I was not getting anywhere was because I needed to assume as well as modify ( the deed is in my name, but not the mortgage ) The Assumption Packet never came I chased that for several months was told it was mailed .... eventually told there is no Assumption packet just redo another Loan Mod packet and they would get it over to the Assumptions Department This goes on & on & on .... There never was an Assumptions Department at XXXX as I was told by my last Rep at XXXX. NO ASSUMPTION DEPARTMENT!! Eventually it is in the hands of XXXX XXXX XXXX. I was told I qualified, I explained that I had submitted over 17 loan Mod apps with XXXX and sent nearly that many copies of my husbands Death Certificate and will. I also kindly asked they not call the house and ask for my husband as XXXX had done for several years. The rep from XXXX told me things would be different than with XXXX it was now streamlined and regulations in place that I would only have one rep and only have to do one modification. I did four and had two reps. I was told finally that I received the modification I was so happy, only it was short lived ... as they called later that night to tell me I had to come up with the back arrears first, then they would modify/assume. I did not have XXXX that they were asking. ( I would not have been behind at all had XXXX done the modification or excepted loan payments from me after my husband passed. ) XXXX had told me the same thing before they transferred to XXXX and that there was no guarantee that I would be allowed to assume, when I asked if I would get the money back if they did not allow me they said no they would consider it from my late husbands estate. I asked if they would take that chance. No home and no money to start over if I was not allowed to assume. The loan is no in the hands of another bank Carrington Holdings LLC, I sent them a Notice Of Error & Request For Information to show that they own the note. It is my understanding by law they have to respond within 15 days it has been since XX/XX/XXXX the XXXX was signed and returned to me but as of yet I have not received any response from them. If anyone has any ideas how to proceed with this please let me know. Thank you. Sincerely XXXX
07/08/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 19023
Web
Hello my name is XXXX XXXX and im trying to obtain a loan modification to save my house. In this process has made me very confused and feel mislead.Trying to obtain a loan modification threw Carrington Mortgage Services seems impossible. I do n't even know which bank or mortgage company im even dealing with .The statements that are being sent out says XXXX XXXX XXXX and other statements says Carrington Mortgage services.When your also dealing with XXXX different people who is asking to submit information that you already submitted in which I mailed faxed and emailed 5 different occasions it makes you wonder what is going on with this company. My account was assigned a representive from there company but never could get a hold of her and she also said was n't receiving certain documents that I faxed 6 times to there company. I believe and will be proven that there conduct is not only unproffesional but unfair as well. Each and every time I submitted a loan modification packet I was told I did not meet the time requirements as far as them receiving information they needed from me on time and it was always pass the deadline they gave me to that they said they received my paper work. So I was told and letters being sent out to me stating that I was not approved for a loan modification twice because they said they never received my 30 day profit and loss statement but I faxed it to them 4 times well before the deadline they gave me. I was never told I did n't qualify. I just would like to save my home for me and my children, a string of un fortunate events lead me to this position that im in and I just want to save my home for forclosure which is scheduled for sale on XXXX/XXXX/2015. Which gives me very little time to figure this out. I believe threw there unproffesional and misconduct and tactics on acting like there not receiving certain information is a direct attempt to discourage me and in there actions directly cause me to lose my home instead of doing a loan modification in a honest way which would help me save my home. Im getting different info from Different companies for instance Carrington Mortgage Services sends me current mortgage bills, XXXX XXXX XXXX sends me current Mortgage debt as well. This whole ordeal has me lost and confused. If you could help me out in anyway in this matter I would truly appreciate it and would be thankful if you could help me get some honest results in this matter. Im actually working with a company called XXXX to also try and help me in this serious time sensitive matter. So with combined efforts I hope something can be done for me and my children so we can stay in our home and live the AMERICAN DREAM .Thank you for taking the time to read this letter. I work for ups and I own a cleaning company, i work hard to provide for my children and will do the same in making sure i can keep my home for us.
02/21/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 080XX
Web
I have had my mortgage since XXXX, and in - or around - XX/XX/XXXX my mortgage was sold to Carrington Mortgage. I had applied to do a loan modification with XXXX prior to them selling the mortgage to Carrington. However, Carrington did in fact complete the remodification after they obtained my loan. Ever since my mortgage has been sold to Carrington, I have been having issues every month when making my payment. Their website always gave me trouble with logging in to make the payment, so I call in to process them over the phone every month. I make sure that I call in the payments at least a couple of days before the first of the month to avoid any complications with it being late. Each and every time I call, the representatives tell me that I have a payment missing from the previous month. Because of that, I always ask for the representative 's names, and I get the confirmation number that the payment had been made. Every time I call, and they begin stating that a payment is missing, I provide the confirmation number from the previous month. Once I state that, they continue on and process my payment, but never do they confirm that the month they stated was missing was in fact received. On XX/XX/XXXX I called to make my XX/XX/XXXX payment, and again, they told me that I did n't make a XXXX payment. Which I had, on XX/XX/XXXX for XX/XX/XXXX. I provided the confirmation nuber again. It seems odd that this is a normal occurrence every single month when I call to make my payment. I then faxed a letter to their customer relations department to have them look into why this happens every month, and I received a letter that advised that I had a missing payment and late fees/charges on my account and they were going to review my loan. I have never been late on my payments, and I have never missed a payment. I 'm concerned that there is something more going on than simple incompetence at this point. Once or twice of this happening could be understandable when they first received my loan, but this has been going on for close to two years now where every single month it 's the same story. I have attached every document that you may need in order to review this for me if possible. I have attached my bank statements, however, for the month of XXXX I was still with XXXX so it would only allow me to show the Activity Details for that payment but you will see it is the same amount as the first few payments to Carrington starting in XXXX. Some months XXXX payments show on the statement. One in the beginning of the month ( for the current month ) and one at the end of the month ( for the following month ). I have attached the letter from Carrington with the review of my account, which they provided what they said is my payment history which does n't make sense either, and I have attached my handwritten documentation of when I had made each payment.
01/20/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 20735
Web
I Received numerous letters and phone calls regarding streamline refinance. I responded to the most recent letter and contacted the number provided within the letter and recieved no response. I contacted Carrington Mortgage Services LLC to request further guidance and the loan representative tried to pursued me to convert to a conventional loan and convince me that the conventional loan was a better option. I insisted that I am offered the terms indicated in the letter and the loan officer said that the terms don't exist. The loan officer insisted that the terms meant something different and I called his attention to the Reference number and the specifics of the streamline refinance offer. I insisted that I elevate my complaint to the manager. The manager, XXXX XXXX returned my call and on a taped recording asked for a copy of the letter. I provided a copy of the letter and the XXXX XXXX stated that the letter was not affiliated with Carrington Mortgage Services LLC. However, the letter provided Carrington Mortgage Services LLC FHA Loan. XXXX XXXX stated that the statement " XXXX Bank is not affiliated with your current lender '', confirmed that Carrington Mortgage had nothing to do with sending the letter. i am not convinced. I believe that either Carrington sold my information or in fact sent the letter. The address in which the letter was received is Carrington Mortgage Services LLC. I believe this was a bait and switch to pursued me the homeowner to contact Carrington Mortgage Service in an effort to convert my mortgage to a conventional mortgage. I recevie many calls from Carrington Mortgage Representatives that I disconnected my phone. I receive numerous FHA Eligibility Notice with RE : Carrington Mortgage Services LLC FHA Loan and Carrington Mortgage Services proclaim not to have any affiliations and do not honor the letter that appear to come from Carrington Mortgage Services LLC. I am concern that Carrington Mortgage is sharing my information and sending fraudulant letters to entyist homeowners to call the loan office and take advantage of opportunities to convince FHA loan customers to convert to a c onventional loan and persued homeowners to get rid of the insurance. I am innidated with letters and calls Referencing Carrington Mortgage only about FHA streamline refinance options that don't exist. Is this a scam? Does Carrington Mortgage LLC participate with these affiliates to share homeowners information with profit benefits? I contacted Carrington Mortgage to complain and was advised on recorded line that there was nothing that Carrington Mortgage LLC can do. If your customers are being harrassed and your name is being referenced, why don't this concern Carrington Mortgage LLC? Maybe there is an invested interest in the scam as the manager, XXXX XXXX from Carrington Mortgage Services LLC referred it to be a scam.
09/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32218
Web
As recorded in the XXXX XXXX Florida on XX/XX/XXXX, Page XXXX, XXXX XXXX, I received an Assignment of Mortgage stating that XXXX had assigned my mortgage over to " XXXX XXXX XXXX XXXX XXXX XXXX '' ( See attachmemt ). There is a company by the name of " Carrington Mortgage '' that has been placing information on my 3 credit reports ( XXXX, XXXX and XXXX ) and stated the account was opened with them on XX/XX/XXXX. ( I'VE NEVER HAD A MORTGAGE WITH CARRINGTON MORTGAGE NOR WAS I EVER OFFICIALLY NOTIFIED ) that " Carrington Mortgage '' was assigned to or servicing my mortgage. My original mortgage was with XXXX and as the attached document states it was then " Assigned to XXXX XXXX XXXX XXXX XXXX XXXX '' ( see attachment ) Per XXXX XXXX FL XXXX records back on XX/XX/XXXX XXXX XXXX, Page XXXX there is a recording of my " Home Affordable Modification Agreement '' that we completed with " XXXX XXXX XXXX XXXX '' ( see attached ). NOT AT ANY TIME HAVE I EVER RECEIVED ANY OFFICIAL OR UNOFFICIAL NOTICE FROM XXXX XXXX XXXX THAT MY MORTGAGE WAS ASSIGNED TO OR BEING SERVICED BY " CARRINGTON MORTGAGE ''. Dealing with this " Home Affordable Modification '' was a rip off all by itself which is a seperate issue. Under this program, our original mortgage was only $ XXXX and when they finished, we had a new loan of approx XXXX. ( see attached documents ). CARRINGTON MORTGAGE IS STILL REPORTING ON MY CREDIT TODAY AND MY HOME IS SOLD AND WAS SOLD XX/XX/XXXX AND THE SATISFICATION AND RELEASE OF MORTGAGE WAS RECORDED IN THE XXXX XXXX FL RECORDS ON XX/XX/XXXX, PAGE XXXX, XXXX XXXX ( SEE ATTACHED ). FROM THE YEAR XXXX UNTIL XXXX " CARRINGTON MORTGAGE '' HAS REPORTED INACCURATE LATE PAYMENTS ON MY CREDIT REPORTS AND THEY charged me XXXX for each online mortgage payment and {$10.00} to {$20.00} for payments made by phone. These pay-to-pay fees are a violation for both consumers mortgage agreements and Florida debt collection law XXXX Carrington marks up the processing fees charged to borrowers for online and phone payments in direct violation of their mortgage agreements. The case goes on to claim that as a Federal Housing Association-approved mortgage servicer, Carrington agreed to charge borrowers only fees permitted by the Secretary of Housing and Urban Development XXXX Per the lawsuit, pay-to-pay fees are not included in HUDs exhaustive list of authorized servicing fees and charges. Moreover, HUD specifically prohibits mortgage servicers from charging borrowers for costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity, the suit continues. The lawsuit alleges violations of Floridas Consumer Collection Practices Act and Deceptive and Unfair Trade Practices Act, as well as breach of contract and unjust enrichment.
02/18/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TX
  • 77433
Web Servicemember
During the pandemic things got rough for I and my wife when she lost her job and we got behind on our bills. We heard about a program that was supposed to offered by our mortgage company for the purpose of helping people who dealt with financial hardship through the pandemic, so like many others we called our mortgage company Carrington mortgage, who explained to us that the plan was a federally backed Covid-19 plan designed to help people just like me. My wife and I agreed that this was the best step to preserving our credit and making sure that we dont default on our home loan and become foreclosed on. We were current on our payments at the time we went into Covid-19 forbearance, and our credit scores were between good and better, however what happened after the 3 months of us being on the forbearance was a nightmare. When we called to find out how we were going to be able to get off of forbearance and begin to bring our account back to normal, we were told that we had several different options and one of which we chose was the one that they put the payments on the backend of the loan which sounded simple enough, however it required us to pay a fee for the next 3 months to get our account out of forbearance and show that we were capable of maintaining the new payment after forbearance, we agreed and began n to pay the new mortgage payment with the fees included which seemed simple enough, however as time went on it became a never ending story of when will we be taken off of forbearance. Three months of forbearance quickly turned into a year of us on a forbearance plan, why you may ask? Because despite the fact that we continued to pay our mortgage every month with the fee included, the company kept telling us that they could not take us off of forbearance at that time which finally turned into them telling us that the company was in the midst of being sold and that they would not be able to take us off of our forbearance until after the sale was over. To make things worse we tried to refinance our car and checked our credit only to find out that Carrington had put the forbearance on our credit report at the time and we couldnt refinance our vehicle while we were on a forbearance plan which continued to go on for months on in because of them stringing us along because of some sale of the company going on. Their harmful practices damaged our credit and we began spiraling down from that point and never did fully recover from it all because of what happened. It was a sad situation because we continued to make our mortgage payments on time with the fee included for months on in, and me calling constantly trying to find out when they would release me from forbearance which was supposed to help us to avoid a negative impact, but as time went on it impacted us more negatively than if we were to have done anything else.
08/21/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 34997
Web
Like many Americans, I have been laid-off 4 times in the last 6 1/2 years and now even though I 'm employed, I earn about XXXX % to XXXX % of my income at the time I bought my home. After many attempts to get a loan modification from Carrington Mortgages Services, LLC., having the process started XXXX then they switch Cust. Service Reps and ignore you. .. I finally was approved for what they said was a HAMP loan mod. However, the payments they offered where only about a {$100.00} less then my original monthly mortgage payment. So knowing that I would n't be able to keep up with that on my much reduced income, I called and wrote to them for an explanation and a decreased payment. They again ignored all my attempts to communicate. Earlier this year, I began making those required payments, after making 2 payments, I was late on XX/XX/XXXX and told that I was declined for that program. So I asked for them to supply me with the terms of this loan modification ( in writing both in a faxed letter and email ) and again I was ignored ( they never responded ). So I contacted HUD for help from their counselors. I spoke with XXXX XXXX at ( XXXX ) XXXX this month ( XX/XX/XXXX ) to express my concerns of CMS XXXX NOT '' providing me with the terms of my loan mod. Telling her that I could n't afford the payment that they had calculated and I thought perhaps they had altered my income info that I had provided CMS with. I specifically told her that I 'm paid on commission only, therefor my income varys a lot monthly. So after some emails back & forth, she stated that CMS was showing my income at XXXX gross per mo. to calculate my payments. So then I told her that this proves my concern is legitimate and provided an example. Looking at my paystub dated XXXX/XXXX/15 shows a gross of ( XXXX year to date ) Dividing that by 15 weeks = XXXX per wk. multiplied by XXXX then = XXXX annual total.Then dividing again by XXXX = XXXX per month gross income. Obviously this is at " lot '' less that the {$3800.00} per month that CMS stated was my income ( which they used to calculate my payment of the loan mod. ) More importantly it confirms my suspicion that CMS had altered the info I had provided, to suit their outcome. With this now established, I have asked XXXX XXXX ( HUD ) in XXXX emails and voicemail .. how can she help me with this. I still have n't heard back form her. As I mentioned Carrington Mort. Services has not responded to me either. So now I 'm writing to the CFPB for assistance in the matter of this documented discrepancy in the calculation of my loan modification payment. I can provide you with copies of paystubs, emails, and faxed correspondence as supporting documentation to my complaint. All I 've ever wanted through-out this frustrating ordeal with CMS .. is a fair and affordable loan modification in order to keep my home.
05/11/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MS
  • 397XX
Web
I have a foreclosure sale date on XX/XX/XXXX because Carrington has never reviewed my paperwork and never checked to see that I have the ability to pay my loan. I got sick from Covid and was unable to work and Carrington gave me a three month forbearance to help my family out. At the end of the forbearance I tried to make my mortgage payment and they told me not to, because they were going to review me for loan modification. I have spent close to 2 years going back and forth with them. They have never reviewed my documents that I have sent over and over and they would not accept my mortgage payments and now I owe them $ XXXX and if I don't pay all of it in two weeks they are going to foreclose on my house I live in with myself and three children. This is wrong. I should not lose my home because I became very ill during the pandemic, because I am back on my feet and can afford my payment, I just need help with the missed payments. I bought my home in XX/XX/2020. I work as an assistant manager at XXXX and when Covid hit in XX/XX/2020 I became very sick. I had bad chest pains and cough for several weeks but I kept working because I needed to pay the mortgage and feed my family. Eventually it got so bad that I could not breathe and I got tested and found out I had Covid. I wanted to go back to work but kept testing positive and since it was a restaurant job I had to quarantine. I missed a lot of work and was having issues with my XXXX and XXXX and XXXX XXXX XXXX. The doctors found that I have some scarring in my XXXX and I am still suffering side effects today. When I called into Carrington to explain the situation they offered me the XXXX month forbearance which was very helpful. At the end of the XXXX months I was back at work full time and my son was also working at XXXX as a shift manager so our family had the ability to resume making our payment. But the people at Carrington told me NOT to make the payment because they were going to give us a modification. For the past XXXX years I have been sending in my documents over and over and they say sorry, you are missing documents and we can't review. I kept telling them that I wanted to start making payments again because I did not want to fall further behind, but their people said not to pay because they did not know how they were going to handle the modification with the late payments. I was told more than once that I had a complete package and that I was going into review, then a few days later they would say I was missing something. I am very confused and do not understand why they make me go in circles. Now I am facing foreclosure sale on XX/XX/XXXX because Carrington never actually reviewed my finances and ability to pay. We have the ability to pay, we had it when the forbearance ended and we have it now, but Carrington has never given us a chance.
09/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32218
Web
As recorded in the XXXX XXXX Florida on XX/XX/XXXX, Page XXXX, BK XXXX, I received an Assignment of Mortgage stating that XXXX had assigned my mortgage over to " XXXX XXXX XXXX XXXX XXXX XXXX '' ( See attachmemt ). There is a company by the name of " Carrington Mortgage '' that has been placing information on my 3 credit reports ( XXXX, XXXX and XXXX ) and stated the account was opened with them on XX/XX/XXXX. ( I'VE NEVER HAD A MORTGAGE WITH CARRINGTON MORTGAGE NOR WAS I EVER OFFICIALLY NOTIFIED ) that " Carrington Mortgage '' was assigned to or servicing my mortgage. My original mortgage was with XXXX and as the attached document states it was then " Assigned to XXXX XXXX XXXX XXXX XXXX XXXX '' ( see attachment ) Per XXXX XXXX FL XXXX records back on XX/XX/XXXX BK XXXX, Page XXXX there is a recording of my " Home Affordable Modification Agreement '' that we completed with " XXXX XXXX XXXX LLC '' ( see attached ). NOT AT ANY TIME HAVE I EVER RECEIVED ANY OFFICIAL OR UNOFFICIAL NOTICE FROM XXXX XXXX XXXX THAT MY MORTGAGE WAS ASSIGNED TO OR BEING SERVICED BY " CARRINGTON MORTGAGE ''. Dealing with this " Home Affordable Modification '' was a rip off all by itself which is a seperate issue. Under this program, our original mortgage was only $ XXXX and when they finished, we had a new loan of approx XXXX. ( see attached documents ). CARRINGTON MORTGAGE IS STILL REPORTING ON MY CREDIT TODAY AND MY HOME IS SOLD AND WAS SOLD XX/XX/XXXX AND THE SATISFICATION AND RELEASE OF MORTGAGE WAS RECORDED IN THE XXXX XXXX FL RECORDS ON XX/XX/XXXX, PAGE XXXX, BK XXXX ( SEE ATTACHED ). FROM THE YEAR XXXX UNTIL XXXX " CARRINGTON MORTGAGE '' HAS REPORTED INACCURATE LATE PAYMENTS ON MY CREDIT REPORTS AND THEY charged me XXXX for each online mortgage payment and {$10.00} to {$20.00} for payments made by phone. These pay-to-pay fees are a violation for both consumers mortgage agreements and Florida debt collection law . Carrington marks up the processing fees charged to borrowers for online and phone payments in direct violation of their mortgage agreements. The case goes on to claim that as a Federal Housing Association-approved mortgage servicer, Carrington agreed to charge borrowers only fees permitted by the Secretary of Housing and Urban Development . Per the lawsuit, pay-to-pay fees are not included in HUDs exhaustive list of authorized servicing fees and charges. Moreover, HUD specifically prohibits mortgage servicers from charging borrowers for costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity, the suit continues. The lawsuit alleges violations of Floridas Consumer Collection Practices Act and Deceptive and Unfair Trade Practices Act, as well as breach of contract and unjust enrichment
10/07/2019 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • MO
  • 63111
Web Servicemember
We put a contract on a house XX/XX/XXXX. We were preapproved for a VA loan through Carrington Mortgage. From that date until XX/XX/XXXX, we went through all the steps required of a VA loan, including putting our current house on the market XX/XX/XXXX. The seller was also required to give notice for their tenant to vacate, and was forced to go through eviction proceedings, again because of VA requirements. Delays caused by eviction, which was only necessary for a VA loan, delayed our closing multiple times. Finally the loan went to underwriting and on XX/XX/XXXX we received a closing disclosure that showed what we would need to close with the VA, which was nearly $ 30K. Our loan officer told us that it was a mistake and we would get a correction. XX/XX/XXXX, nearly two weeks later, Carrington Mortgage notified us that we didn't qualify for a VA loan, and in fact never had qualified since the very beginning of this process. The reason we didn't qualify is because of a formula they should have used at the very beginning. When we contacted XXXX to ask about this, they knew this formula from the very first phone call, without seeing any details of our file. Our loan officer had become aware of this mistake on XX/XX/XXXX and tried to hide it/argue with the VA about it, when it was a formula he should have been aware of and was not subject to negotiation. This is GROSS NEGLIGENCE on the part of Carrington, and in fact neither or loan officer nor his boss was aware of of the formula even though it is clearly provided by the VA. They sent me a copy of the examples provided by the VA. On XX/XX/XXXX we were told that we had a week to come up with a 3 % down payment, and our only option in that short amount of time was an IRA loan. Then Carrington continued to make mistakes that further delayed closing and increased our closing costs/down payment. We found out our final down payment amount, which was {$2000.00} more than what we were told on XX/XX/XXXX, and we did not close until XX/XX/XXXX. Our original closing date had been XX/XX/XXXX, and we could have closed then with a conventional loan. Also, all these delays, again 100 % due to the loan officer 's lack of education on the product, caused them to restart our file, and in the process they have placed 2 hard inquiries on our credit. Because Carrington went on to cause 10 more weeks of delays after we were forced to list our house on XX/XX/XXXX, we now have a stagnant listing and have been forced to drop the price more than {$11000.00} even though nothing is wrong with the house. Had the house sold when we listed it, we would have incurred thousands of dollars in costs for housing before we could close. Carrington Mortgage should not be allowed to process VA loans when their loan officers are clearly not educated in the requirements and qualifications.
11/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WI
  • 53189
Web
Btw-not certain type of loanif FHA or conventional I have been attempting to complete a modification that I can afford without penalty and extending loan out extensive decades further than initial time matured-along with the HUD department helping with principal reduction program along with assisting My process to become current and pay towards the missed months during my forbearance I have not been able to conclude this process while awaiting the HUD department to work along side of Carrington as Carrington originally excepted an offer they were willing to work with from the housing resource group/HUD alternatives however now have come back after I declined theyre all the horrible option for a modification saying that I am now in eligible for a principal reduction plan therefore preventing my mortgage payments to come down as I had initially been anticipated as they say My loan is ineligible And I now unfortunately have lost a $ XXXX {$50000.00} lump sum that was very highly likely to be granted as it had been approved through the program due to all of my extensive Covid hardship for a great deal of time and significant loss of financial XXXX XXXX XXXX XXXX At this point Im at a standstill and Im sure that they are excepting any possibilities however even if they allow HUD to bring me current I am in fear of the penalties the interest rate and the new modification they will offer me after that as it was almost worse of a scenario that I had initially Even back fully employed They also did grant me a forbearance however continue to say it started three months prior to the date I actually requested it and stopped paying my mortgage regardless of my attempts to bring things current with the proper department I Have not ever been able to get a clear and consistent answer from any one department or communications through website or mailings Ive made continued attempts to facilitate retaining my home and anticipated an extremely promising and hopeful platform to regain my financial security and retain our family home of 25 years and while I am still in a holding pattern -I was sent that there was a dispute being filed regarding all of this from the XXXX XXXX XXXX in Wisconsin therefore I am submitting review to see how this has affected my process I anticipate much of this suit reflects the very issues of resistance and one of the reasons and largely affected that I ( with the help of HUD and XXXX ) were unable to facilitate the principal reduction program that had initially been approved By Carrington. It is all very confusing so I am unsure why they changed their mind once the monies were there to be paid however I have been diligent and made every attempt to resolve this matter and I am very likely going to end up in a much worse & dire financial circumstance even with A stable full-time XXXX wage
12/30/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 92584
Web
On XX/XX/XXXX I tried to make a payment on my mortgage. My mortgage was previously serviced by XXXX XXXX XXXXXXXX. Carrington Mortgage services is now the servicer. The terms in which my payments are processed have changed dramatically. I have to pay fees to make payments which I did not have to do before, my payments have gone up again which did not happen before, and then if I fall behind which in my almost 10 years of paying on my mortgage has happened, life happens. When I try to make my payments Carrington shuts down avenues to make them. If I am in the 30 day late category they refuse online payments and refuse over the phone payments. I spoke at length with two representatives from Carrington Mortgage Services on XX/XX/XXXX. I was advised that they will take my payment from through XXXX XXXX at an additional {$8.00} charge because they were refusing my online payment and would apply it by the end of business. I made XXXX payment on XX/XX/XXXX through XXXX XXXX XXXX I paid more than enough to cover the late fees. That brings me less than 30 days past due. I was assured they would apply the payment and that they process payments on Saturday XX/XX/XXXX as well. Either way my payment was made before 3pm that Friday. I checked my Carrington online account and it is still not posted. This is not the first time Carrington had refused payments. I was only 1 month behind and I pay my penalty. You have people who serve their time in prison for crimes. I had an issue that arose and paid my late fee. For them to continue to penalize me and refuse my payments or not apply my payments which is the case here I feel is unacceptable. As of writing this I am officially less than 30 days past due and should be cleared on any default on my loan. I am fine with a new servicer on my loan, however I am quite offended and frustrated that I feel Carrington is not servicing my loan in the same manner it was being serviced for the almost 10 years I have had my loan. I have not signed any paperwork or agreed to any additional fees and I feel they are playing deceptive games by refusing to apply payments to try to send my loan to foreclosure. My servicer should be the one per my understanding of the law to try to help with foreclosure avoidance and refusing to apply full monthly payments, especially when such payment brings my loan back into the less than 30 days past due status I feel is fraudulent activity and I am requesting they cease and desist these perceived fraudulent activities immediately and apply any and all payments to my account and fix any damages to my credit report. I am also requesting that they go back and fix my credit for the last time they held almost 3 months of my payments in a suspense account and refused to release the payments and during that time reported negatively on my credit report.
06/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
Carrington Mortgage Services LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX On XX/XX/XXXX we started a short sale with XXXX , who was the servicer at that time. It has since been transferred to Carrington Mortgage Services ( CMS ). On XX/XX/XXXX we faxed a complete short sale package to CMS. On XX/XX/XXXX CMS claimed their BPO came in at $ 260k and they countered the buyer at this price.

This price is not at market value and we have requested a copy of the BPO multiple times ( as per ECOA guidelines set forth by the CFPB ). CMS has outright refused to provide a copy of the BPO, stated they dont have to follow anyones guidelines, and insisted that the BPO came in at $ 260k.

We have since received an appraisal done by a Licensed Appraiser adn the value came in at $ 197k. it is obvious CMS has manufactured the value of $ 260k and has therefore committed Valuation Fraud.

Well, since we were planning to go after the BPO agents license for Valuation Fraud, we decided to discuss this with said BPO agent. The BPO agent emphatically insisted he did NOT bring the value in anywhere near $ 260k. That leaves the Fraud resting squarely on the shoulders of CMS not a surprise to us, actually. Every single file we have ever had with CMS has resulted in multiple CFPB complaints as a result of their FRAUD.

1. CMS forecloses on properties to that they may steal the homeowners equity in the property. 2. CMS forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. CMS forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves Please read # 3 again CMS has THEIR OWN RETAIL DIVISION that will list and sell properties to the benefit of CMS. CMS has violated ECOA guidelines by refusing to give a copy of the BPO that was done.

CMS has committed FRAUD by establishing their own value CMS is refusing to give an appropriate value for the property in order to prevent the short sale from taking place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels.

I am sure CMS is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help.

This is NOT the 1st time this EXACT COMPLAINT has been made against CMS. Not only are there thousands of other people that have filed complaints for these reasons, but we too have already filed complaints against CMS for these same reasons. We would be happy to provide evidence of this upon the CFPBs request.

10/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 336XX
Web
I built a home in XXXX and my builder turned out to be a scam artist who left my home unfinished. He insured and recorded a mortgage on the 35 year old neighboring property in my name to get paid when I refused to sign any more documents until we settled the dispute over the build. I have attached a copy of a warranty deed filed conveying my neighbor 's property to me. The mortgage note has my new home 's legal description on it and my signatures from a purchase and sale agreement I signed at the builder 's office prior to the home 's completion. I disputed this mortgage from day one and never made a payment. The loan was sold multiple times until XXXX when I was sued by XXXX XXXX XXXX who had received the loan from XXXX XXXX XXXX. I prevailed in this lawsuit at both summary judgment hearings as well as the bench trial. I tried to clear the title to the property since XXXX XXXX XXXX never tried to correct the deed or any of the mortgage documents. They continued to insure the neighboring property I don't own allowing the escrow account and interest to build. In XXXX I received another foreclosure lawsuit from Carrington Mortgage Company who claimed to have found an original mortgage that I signed. I hired an attorney to defend me who took my {$2000.00} retainer and never called me again. I found out at a foreclosure hearing that he was disbarred from the judge who mocked me for hiring him an blamed me for a situation she said, " I allowed to go on for 13 years. '' The judge implied during the hearing that I owned both properties and that I was in some sort of scheme with my neighbors to cheat the bank. She said this situation was my fault and signed a {$300000.00} judgement against me that includes insurance on my neighbor 's property for 13 years, alleged property inspections that could not possibly have occurred. I can not imagine that anyone who inspected the property would not be confronted by the actual owner of the home the bank has mortgaged in my name. I will be filing for bankruptcy to get in front of a reasonable judge after I was treated so unfairly by the circuit court judge. After the judgement was signed, I specifically asked the judge " What is the address of the property your are foreclosing? '' The judge responded with my neighbor 's property address. However, when I received the final order from the court that was submitted by the Carrington Mortgage Company attorney, it had my address on it. I need this situation investigated by someone who is actually impartial and willing to listed to me. Fixing this situation with the paperwork is on the mortgage company, not me. I don't need a fancy lawyer to tell me that this is wrong and after losing my job thanks to covid 19 I can't afford one. However, I will not allow this bank to take my home or my neighbor 's home.
07/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • WI
  • 53217
Web
I received a response to my Written Credit Dispute that was received on XX/XX/XXXX concerning my Account : XXXX. I wrote to further appeal the response and findings to request that Carrington Mortgage remove the 30-Day late payment that they had reported to the creditors, based on the evidence I provide below and my second appeal was denied. In summary, I submitted a payment for my XXXX mortgage payment on XX/XX/XXXX, within the no late fee penalty timeframe. I submitted this payment from my mobile phone and accidentally entered the wrong routing number from XXXX XXXX XXXX ( XXXX, which is indeed a routing number for Peoples, but not associated with my account ). Regardless, I received a message saying that my Submission was Successful. However, I DID NOT request that Carrington Mortgage save this information to my account on the webpage and I verified this with a manager who spoke with technical services in a phone call on XX/XX/XXXX. FURTHERMORE, the technical department verified that when a payment is returned No Account/Unable to Locate that any saved information should be cleared by your system. This was not the case. When I learned that the payment was returned No Account/Unable to Locate, I logged into my account using my computer and paid using the Saved Account option on XX/XX/XXXX. I had used this saved account information to make all other on-time payments throughout the history of the mortgage. However, the incorrect information was erroneously saved from my previous attempt from when I entered the wrong routing number. In addition, the technical department also verified the incorrect payment information should have been cleared by your system. The technical department also verified that I indeed used the Saved Account Information on my second attempt on XX/XX/XXXX. I did not learn that this payment was returned until after the 30 day late timeframe on XX/XX/XXXX. I immediately paid the account when learning this information. I did not authorize this information to be saved from the prior attempt, and according to Carrington Mortgage technical department it should have been cleared, and thus this technical error caused my payment to be late. I am officially stating that this error was caused by the online software system saving my account information when it was not authorized and should have been cleared after the failed attempt and I made all reasonable attempts to pay my account prior to the 30-day late timeframe. I have clear records showing each attempt prior to the 30 days and have clear evidence that an internal system error caused this 30-day late payment. Carrington Mortgage is not taking any accountability for this error with their online payment system and has denied both appeals. This has significantly impacted my otherwise spotless credit rating.
07/07/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • IN
  • 46041
Web Servicemember
Carrington Mortgage Services , LLC uses an escrow payment projection method that uses a lower projected payment amount than the higher actual current payment amount, to project needed escrow payments for the next escrow year cycle. Because of using their projected current to escrow payment number, they are projecting my escrow account will be short, and as a result, are adding an additional short payment amount to my escrow payment. This is causing my monthly mortgage payments to increase. THIS IS AN ERRONEOUS PROCESS. The projected escrow number being used is lower than my actual current escrow payment. Their projected payment number is {$570.00}. I currently pay {$630.00}. If my actual payment number is used in their credit/debit schedule instead, the escrow account is never negative at its lowest point, and does not require an increase to cover any supposed shorts. The account is only projected to be negative if the made up projected number is used. This is the second year in a row they have done this. Last year the made up projected payment number was {$520.00}, but I was actually already paying {$610.00}. The scenario last year was the same. If my actual higher payment number was used in the calculation, my escrow account would never have been negative at its lowest point. My loan was sold to them, I never had this issue with the original mortgage holder, and the original holder used the actual escrow payment amount to project the escrow balance for the upcoming year, and not a made up lower projected number. Carrington Mortgage Services , LLC gets this made up projected payment number by taking the escrow disbursements total and then dividing it by 12. By this logic/method, the account will always be short, and they will always raise your monthly payment on a yearly basis. There is no limiting principle to this method, and the method uses incorrect numbers in its calculation. I spent many hours with on the phone with Carrington customer service, escalated to supervisors, and various other departments. All of them told me to kick rocks, and this is the way its done. I was told you can not speak to the escrow department on the phone. Customer service also supposedly contacted escrow on my behalf, and were told there is no error. Of course there would be no error found when you rerun the same calculation with flawed inputs. The process itself is the problem. I also sent several emails and follow up emails to the recourse team listed on their website. I was never contacted by the recourse team to address the issue. This is a predatory practice to justify holding more than is necessary in their escrow accounts. My guess would be to have more float to loan or invest for profit. My next steps will be contacting an attorney if this predatory practice is not changed/rectified.
11/07/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92392
Web
To Whom It May Concern : On XXXX/XXXX/16 ( Thursday ), I called Carrington Mortgage Services informing them, I would be sending {$7000.00}. The person I spoke with, asked if it was possible to send {$7100.00}, this way I would only be one month behind and this would stop foreclosure. I told her I could send the amount she stated. I was given XXXX options of making the payment. On XXXX/XXXX/16 ( Saturday ) I sent {$7100.00} XXXX XXXX. XXXX XXXX was unable to send the money all in one payment, so the payment was broken into two payments. On XXXX/XXXX/16 ( Monday ) I called Carrington Mortgage and spoke with someone who told me my payment of {$3500.00} was return and foreclosure procedures began on XXXX/XXXX/16. I expressed that I sent two payments in that amount, which totaled {$7100.00}. She stated, I would receive the foreclosure information and she would also send the information to my email address. I yet to receive the information. I decided to call back later in the evening ( XXXX/XXXX/16 ). When I spoke to this person, she stated they wanted the payment in full and not in two payments. I then expressed, that I did what I was instructed to do. The option I was given, was XXXX XXXX and it 's not my fault they were unable to send as one payment. I was still unsatisfied, so I decided to call XXXX/XXXX/16 ( Tuesday ) and ask to speak with a supervisor. The person I spoke to wanted to know the reason, I explained the situation once again and was put on hold. When the person returned they begin telling about the foreclosure. I told them this is why I wanted to speak with a supervior. I was placed on hold and once the individual returned, they stated there was no supervisor available. I said there has to be someone above her. What seemed to be long, to me someone came to the phone. The first thing was said, was you sent {$3500.00} and that 's why foreclosure preseedings began today. I repeatedly stated how I did what I was instructed to do. I stated, it appears that once the one payments was seen, who ever returned the payment shuld have cleared all payments before assuming that was the only payment. Who else have this been done to? She stated it is n't their fault I was behind over six months, foreclosure should 've started when I was 90 days behind. I expressed, that I was originally with XXXX XXXX XXXX, who transferred me to Carrington. I could n't send a payment until there is an account number. This process took almost 2 months. I did a modification which took 2 months. She then stated she would call me Monday XXXX/XXXX/16. I do not trust that she would have my best interest at heart. I feel she 's using this time to see how they can get Lawyer fees, court fees, any way for Carrington to get extra money. Your assistance in this matter is greatly appreciated. Thank You in Advance.
02/07/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30127
Web
Carrington Mortgage has reported me late to the credit bureau from XXXX despite making monthly on-time payments each month. I also discovered that in XXXX XXXX they placed my permanent home loan in modification without my knowledge. I received a letter in XXXX XXXX that effective XXXX XXXX, my loan would increase by some {$300.00} due to my escrow having a negative balance. Finally, on Wednesday XXXX XXXX, XXXX I received a letter Carrington stating that I am in default on XXXX loan payments and owe {$2600.00} and run the risk of foreclosure! I have not missed XXXX single payment to Carrington Mortgage. This company has been a nightmare to deal with since my loan with XXXX XXXX XXXX was sold to them. When my loan was sold to Carrington, by XXXX XXXX XXXX XXXX XXXX, I was told by a Carrington rep that despite the fact that they had n't received all the documents from XXXX XXXX XXXX I can began making payments to them on my loan. I did this and have done so faithfully monthly. Then once the paperwork came thru, a few months later Carrington assigned me an acct number, sent paperwork to have payments debited directly from my bank account to them monthly. Carrington also conducted an audit on my account and found that there was a surplus in my escrow and sent me a refund check of {$3300.00} in XXXX XXXX. I continued to make my monthly payments to them for a period of 6 to 8 months I had no problem when making my payment. Then in XXXX XXXX, I was notified by XXXX ( Carrington Rep ) I no longer had a permanent loan but my home was in modification with Carrington because the Underwriters " de-archived the loan, '' because they discovered missing documents from XXXX XXXX XXXX. I inquired how I could be in a modification without my knowledge. XXXX could n't understand it herself but assured me to continue making my payments and it would be straightened out. Then in XXXX I received notification my mortgage payments would increase in XXXX XXXX and now the notice of XXXX missing mortgage payments citing my loan in default. Repeated requests with various Carrington representatives over the last few months have been unsuccessful and not resulted in this problem being resolved as promised. I am requesting all my payments be applied to my permanent loan, so my escrow reflects the correct balance. This will also cause my mortgage to remain at its current payment {$1300.00}. I also want the late payments removed from my credit report as it has negatively impacting my credit and lowered my score. I do NOT need a modification as I have not missed ANY payments. I have enclosed all paperwork including bank/mortgage statements reflecting Carrington receiving all payments from me, a portion of my credit report where Carrington has reported me late and all notifications I have received from Carrington.
03/18/2023 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • PA
  • 19131
Web
I received a Notice of Servicing Transfer fted XX/XX/2023 from XXXX XXXX XXXX advising the previous servicers have transferred the mortgage loan to them. I then mailed a cease and desist notice via certified mail with a return receipt. ( Tracking Number- XXXX ) with a confirmation of receipt signature from XXXX XXXX XXXX which confirmed delivery on XX/XX/2023. The delivered notice demanded Carrington Mortgage Services to cease all forms of communication through any and all mediums unless it pertains to my disclosed remedy. All remedies were described in the notice. The notice demanded return of the attached form with the required information, assignments, or other transfer agreements, which would establish their right to collect the alleged debt within 30 days of the date of receipt of the notice ( 30 days from XX/XX/2023 ). Instead of providing the required information to validate and verify the alleged debt, Carrington Mortgage Services mailed a notice dated XX/XX/2023 of Intent to Foreclosure on my personal property that is used for private familial enjoyment. It is clear that Carrington Mortgage Services have violated the following ; 15 USC 1692C.C - Carrington Mortgage Services confirmed receipt of Cease and Desist Notice with a letter dated XX/XX/2023 from the Loan Administration and Support Department and advised that they will respond by XX/XX/2023. However, on XX/XX/2023, Carrington Mortgage Services violated the Cease and Desist Order and sent a Notice of Intent to Foreclose. 15 USC 1692C. ( C ). ( 2 ) Carrington Mortgage Services violated my right to remedy as a consumer, and the original creditor. 15 USC 1692- Abusive practices by debt collector by invading my right to privacy and continuously sending notice to my private home that is used for personal familial enjoyment. 18 USC 8- Obligation or other Security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. 15 USC 1666 B ( 1 ) - Declined to provide documentary evidence of alleged indebtedness by sending notices in response to cease and desist and demand for documentation. 15 USC 1666 B2- Declined to provide written clarification or documentary evidence of the alleged indebtedness. 15 USC 1666 E- Carrington Mortgages Services failed to comply with the requirements of the section described and have efficiently forfeit any right to collect from obligor
07/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 380XX
Web Servicemember
To whom it may concern, I 'm writing to you with the hopes that you will be able to assist me and my family with an undocumented and improper sale of my home. I have worked tirelessly for the last two years, submitting documentation, fulfilling every request on behalf of Carrington and those requests have gone unanswered.

I have been misdirected, misinformed and flat-out lied to. I 'm well aware of the fact that Carrington has a very dubious and nefarious reputation with homeowners and I have been subjected to this same.

Below, is a timeline of all of my efforts to resolve the Foreclosure matter amicably, with Carrington. At this moment I am post-sale - the sale occurred on XX/XX/XXXX, but I 'm hoping that you will be able to convince them to vacate the sale and come back to the table and negotiate with us.

I 'm in a financial position now where we can meet our obligations with them. My contact information is included in this complaint, but my cell phone number is - XXXX.

Thank you! in advance for your assistance with this XX/XX/XXXX- Starting having marriage problems XX/XX/XXXX - Became unemployed XX/XX/XXXX - RMA package sent XX/XX/XXXX - Letter received from Carrington requesting benefit award letter, lease agreement, RMA form, and expences. Proof of occupancy and food stamp/welfare award letter. I spoke with them on the phone and they said all forms were good because of no leasee or receiving food stamps XX/XX/XXXX - sent revised RMA package XX/XX/XXXX - Carrington canceled the RMA via phone XX/XX/XXXX - became employed still kept phone contact with Carrington XX/XX/XXXX - Paid 3 months of mortgage payments XX/XX/XXXX - laid off from job because of slow work XX/XX/XXXX - RMA started, again XX/XX/XXXX - received letter from Carrington needing most recent bank statements, rma handsigned and dated form, and P & L statement for 3 months XX/XX/XXXX - Sent P & L,XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX bank statement, and handsigned form XX/XX/XXXX - letter from Carrington needing VA benefits and P & L ( letter of explantion ) XX/XX/XXXX - sent payroll from XX/XX/XXXX-XX/XX/XXXX, VA award letter, letter of explation, XXXX tax form XX/XX/XXXX - letter from Carrington. Notification that they did not receive all documents needed to complete review/ cancelled modification request. However, they did get all documents requested. They also canceled. the RMA without my knowledge saying my VA award letter was outdated XX/XX/XXXX - received debt collection letter from Carrington XX/XX/XXXX - recieved fair debt collection letter from XXXX and XXXX XX/XX/XXXX - certified Letter in mailbox dated XX/XX/XXXX from XXXX and XXXX stating the property is scheduled for sale on XX/XX/XXXX at XXXX XXXX XX/XX/XXXX - letter from XXXX XXXX XXXX XXXX - Notice of demand for possession

01/12/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 782XX
Web
On XXXX XXXX, XXXX I went onto www.carringtonms.com to make my mortgage statement. I have grace period to the XXXX to pay my mortgage but due to it being after that date my online payment included the {$50.00} late fee. I checked repeatedly to make sure that I input my routing number correctly and my bank account number and made sure the payment was submitted. I received a call on the XXXX of XXXX from someone at Carrington and I returned their call on the XXXX of XXXX. I spoke with a gentleman who informed me that they attempted to receive the payment and it came back account not found. I told him that I had made sure I input the correct information. I went ahead and made the payment over the phone that same. On the XXXX of XXXX I returned home from a business trip and opened a letter from Carrington dated XXXX/XXXX/XXXX stating that it was rejected for a account not found reason and stating that my payment must be in certified funds only although they received the payment by check on the XXXX, I called their customer service and spoke with XXXX representatives. The first told me that I had to make my payment today so that it would n't be late because they are closed on the weekend and Monday is a holiday. I told her I have until the XXXX to make a payment but I would go ahead and make it today. I went online to make the payment and saw that the payment due was $ XXXX.My payment is currently {$1200.00}. I was on the phone with a representative and told her what it showed. She told me that if I paid over the phone with her that I would save {$35.00} and that they had credited my account. she told me once I paid it to give her the confirmation number. I told her I did n't see where my bank account was refunded. She said that I would n't see it. It would be held in their ( Carrington Mortgage ) account as a credit until my next payment. I told her that I wanted my money back and I never gave Carrington permission to keep my money. She informed me in order to receive my money back I would have to show them a copy of my bank statement. I told her thats none of their business and why they needed to see my bank statement. I spoke with XXXX different representatives. XXXX hung up the phone, the other XXXX all said different things.I told them I just wanted someone to tell me the right thing. They all said Carrington does't give peopl 's money back and in order to do so they need to see a bank statement. I am pretty sure I put the correct information into the payment system the first time. A few years ago they told me the same thing at that time I thought they were credible now I do n't believe they are.When I checked my credit report today Carrington Mortgage had reported that I had missed a payment. That I owe {$1300.00} and that I am 60 days behind on my mortgage to XXXX
10/30/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NM
  • 88310
Web Older American
To Whom It May Concern, I am writing to several agencies because I am not exactly sure which one is the most appropriate for this complaint. My mortgage loan was recently ( XXXX/XXXX/15 ) sold by XXXX to a collection agency called Carrington. I never missed a payment nor was late with a payment. I do understand that, under the terms of the loan, XXXX may sell my loan servicing to other entities. I also expect however, that whichever entity they sell it to would be able to service it adequately and legally, and follow the terms of the loan. Carrington appears to be unable to do so. I attempted to make an additional principal payment during my first online session and was informed that I could not do so. I was informed that the maximum payment I was allowed to make was the minimum payment I had to make ( see attachment ). I do not believe this is legal, ethical, nor within the terms of the loan agreement. When I complained to XXXX with the following message, '' Date : XXXX XXXXXXXXTo : XXXX XXXX XXXXSubject : XXXX You sold my mortgage loan to Carrington vultures. I tried making an online payment, adding an additional principal payment. Even though it is an option on their online form, they would not allow it. What kind of cheap, XXXX XXXX are you selling citizens loans to? I have never missed a payment nor been late with a payment and you sold my mortgage to an unscrupulous collection agency. I will be reporting them and you to the appropriate regulatory agencies. " XXXX responded that I should call Carrington and make the extra principal payment over the phone. Yes, I could call Carrington. In fact, just a short while ago today Carrington called me ( I refused to talk with them ), probably in response to a message I left them informing them I was making this complaint. And yes, I could probably call and make the extra principal payment over the phone, as XXXX suggested. But what about all the other people who will have to deal with this collection agency and not know their rights or maybe do not understand the terms of their loan? What if they believe the message that their minimum payment is their maximum allowable payment? I believe that the Carrington collection agency should be investigated and persuaded to change their website online access to give accurate and legal information to the people unlucky enough to have them collecting their loans. I understand why XXXX has to sell the loans ; competent financial managers are hard to find and XXXX is probably in need of fast cash to shore up some bad investment choices, but they should still take the time to vet the collection agencies to whom they sell their loans to ensure a consistent quality of service for their previous customers. Would n't you agree? Thank you for your attention to this matter.
10/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • NC
  • 27028
Web Servicemember
Last Summer, I lost my job and fell behind on my mortgage. In XX/XX/XXXX, I received a Notice of Intent to Foreclose from my lender, Carrington Mortgage. I immediately applied for mortgage assistance through the state of North Carolina. While I was under review, Carrington Mortgage reported me late twice - reporting a borrower as late while under active review is not legal. In XX/XX/XXXX, my wife was served Foreclosure papers and cried when a police officer taped a notice to our home in front of several neighbors walking by. My wife was in shock and became distraught at being served by a police officer while under consideration for mortgage assistance. I was out of town for a family emergency, but I called the contact with whom I had been discussing our mortgage relief. I was told Carrington Mortgage should not have taken action on the foreclosure proceedings. The following day, Carrington Mortgage placed us in a COVID forbearance plan but did not so much as apologize for the mistake. By XXXX, we had received mortgage relief covering the full back amount owed. I called the mortgage lender 's attorney and asked for them to halt the proceedings. A day later, we were advised the proceedings were indeed legally halted. Throughout Summer, we were bombarded with letters of offers to buy our home in cash and were harassed by drive-bys and knocks at our door by creepy strangers interested in our home. This did not go unnoticed by nosy neighbors, the worst of whom spread rumors about our imminent foreclosure. My wife called the attorney and explained the issue and was advised they could do nothing about third-party reports due to the initial foreclosure filing at the courthouse. Last month, my wife called the courthouse clerk. She discovered our foreclosure status still held - our property was still reflecting a pre-foreclosure status XXXX months after being told it was legally halted. From illegally serving my wife foreclosure papers to the complete disregard for legally stopping the wrongful foreclosure in XX/XX/XXXX, the aggressive and reckless behavior of Carrington Mortgage has caused my family a great deal of pain, suffering, and XXXX. Nasty neighborhood gossips have had a field day in speculating on our mortgage status. My wife is still terribly shaken by her interaction with a police officer before an audience of nosy and judgemental soccer moms. Carrington Mortgage trampled our rights and terribly disrupted our peace, and I expect the lender to be held accountable for each illegal action. I reached out and asked Carrington Mortgage to settle with us for carrying out a wrongful foreclosure, but I have yet to hear anything from the lender or their legal team. Therefore, any assistance you can offer will be greatly appreciated.
08/01/2018 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30542
Web
Beginning XX/XX/XXXX, I entered into a re-payment plan with my mortgage company, Carrington Mortgage. I was having some trouble making the full payment amount. I contacted Carrington MS right away and explain to them that I needed some extra time to come up with XX/XX/XXXX payment. After speaking to them i was put on a re-payment plan. The repayment plan allowed me to divide XX/XX/XXXX payment out over the next 3 months payments. Instead of paying the regular payment for XX/XX/XXXX I paid that as well as a additional {$570.00}. As the next month approached, I realized that I could not make the regular payment of {$1400.00} as well as the additional {$570.00}. I called CMS back and discussed what my options were, I knew I could not afford to pay that- though I dearly wanted to just put this all behind me. After speaking to CMS it was arranged that I would make a payment for XX/XX/XXXX for {$1400.00}, a payment for XX/XX/XXXX of {$2200.00}, and in XX/XX/XXXX for {$2000.00}, and would go back to my regular payment in XX/XX/XXXX. Which I did. After looking at my credit report at the beginning of XX/XX/XXXX I noticed that CMS had reported from XX/XX/XXXX-XX/XX/XXXX and was reflecting a 59 day late which plummeted my FICO score. I sent a certified letter and requested that they fix the error, my letter was received and CMS removed it from my credit reports. In XX/XX/XXXX my wife and I decided that we would take out a HELOC to make upgrades to our home and pay some debt off since the market was booming and home values were sky-rocketing. After having our credit checked it was made clear to us that Carrington MS had yet again made another mistake and had once again reported to the credit bureau a 30 day late for XX/XX/XXXX. I again sent them a certified letter ( that is the only way you are allowed to dispute ) asking them to remove their error. I received news today that they are denying my request to correct the mistake. I have all my bank details to show that there was not late payment in XX/XX/XXXX. The funds were drafted from my account on XX/XX/XXXX and on XX/XX/XXXX for a total payment amount of {$3000.00}. I have requested repeatedly to please send me a allocation of their payments with no avail. In the state of Georgia, from XX/XX/XXXX to XX/XX/XXXX all counties were considered disaster relief areas from hurricane Irma. I was assured by the customer service representative that I spoke to that it would not be an issue to correct the report due to the disaster relief area- if nothing else. I have been lied to and drug through the ringer with CMS. I have spent countless hours preparing letters and inquires to CMS. There has been no clear understanding with Carrington MS since day number one. I simply want the mistake corrected.
05/14/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77063
Web
Dear CFPB, My servicer is Carrington Mortgage Company. I have had issues with them in the past and right now I am very fearful as they are not abiding by the Cares Act. My loan is a FHA loan and I have had perfect pay history. At this time I have had a substantial loss in income due to Covid 19 and being XXXX XXXX I was denied unemployment. I requested Carrington to assist me with their Covid assistance and they placed me in a 90 day forbearance and sent me the attached letter that I did not need to make any payments during these 90 days and that negative reporting would not take place. However, when I started to receive mortgage statements the total amount due continues to accumulate and they are charging late fees. Immediately, Monday XX/XX/XXXX I contacted them to ask why and how this was going to be handled at the end of the 90 days as the letter and the initial representative stated that we would NOT have to make payments during the 90 days. This representative stated that it was because at the end of the 90 days I was going to be REQUIRED to pay ALL of those 3 months back no later than the last day of the 90 days. I stated how this could be possible? It would be impossible! I needed it to be applied to the existing loan somehow. This would be the only way. I quickly went to your website and HUD.gov to gather more details on how this was to be allowed with the CARES Act and I ready that they CAN NOT require us to repay in a given lump sum as they are trying to do. I completely understand that I still owe the months missed, but just as your site states I should be given two options 1 ) Pay back monthly over a given period of time increasing the existing monthly obligation or 2 ) A junior lien which would make much more sense of course. This is despicable that I had to speak with 4 people including a " Supervisor '' that had no clue that this was not going to be permissible they are causing a lot of anguish and quite frankly in violation here. What constitutes their " qualification '' for requiring us to repay this lump sum? They are stating that they are in compliance with CARES Act and that their investors have the final word. I do not want to ruin my credit over this and simply want them to abide by this as this was part of the stimulus. Please note the attached letter they mailed me initially stating that I was in fact in a forbearance and that I would NOT be required to make any payments during the 90 days. However, it is very general and open ended and does not however state that a lump sum WILL NOT be required, yet over the phone they are telling us this! I told needed this in writing and they refuse to provide it having me on pins and needles to wait until mid XXXX! Thank you for your assistance in this matter.
07/05/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OK
  • 73160
Web
In XX/XX/2023 I was approximately 75 days behind on my mortgage when I agreed to make payment arrangements for the next 3 months ; XXXX, XXXX, and XX/XX/2023, to get caught up on my mortgage, and while applying for a loan modification. Complaint # 1 : The 1st payment was to be auto-drafted on XX/XX/2023. I called a day ahead and made the payment over the phone. The representative didn't advise me that I would need to cancel the pre-arranged auto-draft, therefore, Carrington Mortgage drafted another payment the next day, which resulted in a cancellation fee administered by my bank ( {$30.00} ). I luckily caught the extra payment before the payment posted and was able to cancel the pre-arranged auto-draft for XX/XX/2023. For the XX/XX/2023 payment, I called ahead of time and made the payment by phone and was not auto-drafted a 2nd time as in the previous month. I also checked the status of my modification, and was told it was still in process and to keep checking back once a week, which I did up until the next complaint... Complaint # 2 : I called Carrington Mortgage XX/XX/2023 to check the status of my loan modification, and was told I was approved and that the paperwork was mailed to me. I explained that I hadn't received the terms of the modification and asked that they be mailed to me again. The CMS representative went over the terms, by phone, of the modification stating my next payment due is XX/XX/2023, and said she would send the modification terms again. I called a week later ( XX/XX/XXXX ) explaining I still didn't have the paperwork to sign and confirmed with the CMS rep that my next payment is XX/XX/2023. I called again XX/XX/XXXX, confirmed a XXXX time that my next payment is XX/XX/2023 and that I still haven't received my modification terms. To this day, XX/XX/2023 I still do not have my modification paperwork to sign. In all of my communications with CMS, I was never advised that since I was approved for the modification that I could cancel the XX/XX/2023 pre-arranged payment agreement. I was only told that my next payment is XX/XX/2023, making me believe that all previous arrangements were replaced with the modification. They auto-drafted the pre-arranged amount on XX/XX/2023 of {$1700.00} from my bank account, leaving me with XXXX in checking. Again, overdrawing my account and leaving me with overdraft fees ( I don't have the exact amount of those fees yet, as I'm trying to work with my bank to waive those since I've never had overdraft fees until now ). CMS has put me further in debt/behind due to their lack of/poor communication, which will likely prevent me from catching up on anything now. I ask that you please look into this and help me get my money back, so I can get back on track XX/XX/2023.
06/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 70058
Web
My home was damaged as a result of Hurricane Ida. In XX/XX/2022, my insurance company issued a check to me, my wife and Carrington Mortgage Company, in the amount of {$110000.00}. Those funds were turned over to Carrington Mortgage and we have incurred obstacle after obstacle when attempting to have Carrington issue funds to us for repairs. 1. CONTACT WITH FILE OWNER : We could never get in contact our original designated file owner ( XXXX ). This is the person who is designated to handle the disbursement of our loan funds. In spite of several phone calls and voicemail messages, XXXX never responded to us and we were always rerouted to other representatives who had no knowledge of our case. After TWO months of total chaos, we were issued two disbursements of {$15000.00}, for roof replacement and {$33000.00} for replacement and finishing of all drywall. Due to the issues with our prior file owner, we were assigned a new file owner XXXX XXXX XXXX. Nonetheless, we have experienced the same difficulties in contacting XXXX that we experienced with the previous file owner. We have made several calls and left several messages for XXXX. However, we have not been able to speak with him regarding our file. 2. REFUSAL TO ALLOCATE FUNDS UB GOOD FAITH : Carrington Mortgage Company has consistently declined to issue OUR insurance proceeds to us and allow us to manage our repair process ourselves. THESE FUNDS BELONG TO THE HOMEOWNER, NOT CARRINGTON MORTGAGE COMPANY. Carrington is insisting that it can only issue checks to contractors. Thus, forcing our proceeds to be placed into the business of accounts of contractors who we do not know. This is problematic and we have already experienced an issue with one of our contractors. One of the previously referenced checks was endorsed by us ( homeowners ) and placed into the business account of the designated contractor. Two weeks later, we were informed that {$3000.00} of our proceeds were missing because the contractor comingled our funds with a purchase of property he closed on. We informed Carrington Mortgage of this occurrence and that, moving forward, we wished to act as our own contractor because were not comfortable with turning over our insurance proceeds to contractors who we had no previous relationship with. In spite of this problem, Carrington has REFUSED to turn over the remainder of our funds, to us, and allow us to manage the remainder of our home repairs. We believe these actions are illegal and unethical. We have made several attempts to resolve this issue with Carrington Mortgage to no avail. WE FIRMLY BELIEVE CARRINGTON IS ATTEMPTING TO WITHHOLD OUR INSURANCE PROCEEDS AND APPLY THEM TO OUR LOAN! WE NEED IMMEDIATE ASSISTANCE IN RESOLVING THESE ISSUES!
10/30/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77382
Web
XXXX/XXXX/XXXX, PURCHASED BRAND NEW HOME FROM XXXX. CONSTRUCTION BEGAN IN XXXX. XXXX XXXX UPGRADES WERE NOT DISCLOSED TO ME DURING CONSTRUCTION, SO MY CHOICES WERE LIMITED FOR FLOORS, COUNTERS, ETC. LENDER INCENTIVES - {$0.00} DOWN/ {$0.00} CLOSING COST-FOR USING A XXXX XXXX, XXXX FOR HOME LOANS. XXXX XXXX, WAS THE BEGINNING OF MY FINANCIAL CRISIS-SO FAR XXXX FORECLOSURE ATTEMPTS BY XXXX BK 'S COSTING ME $ XXXX LOST XXXX VEHICLES IN CH XXXX-NOW STRUGGLING TO MAKE PYMTS ON XXXX CAR SHARED WITH XXXX XXXX DUE TO EXCESSIVE ATTY FEES IN CH XXXX THAT WAS INTENDED SOLELY TO STOP SALE OF HOUSE. I HAVE FOUND ON : XXXX-DEED OF TRUST ( 1ST {$190000.00} ), PURCHASE MONEY DEED OF TRUST ( 2ND {$48000.00} ) -BOTH W/ SIGNATURE ON SEPERATE PGS/NOTARY PGS ARE DATED XXXX/XXXX/XXXX, 3 DAYS AFTER CLOSING:XXXX XXXX ASSIGNED 1ST AND 2ND TO XXXX WHO ASSIGNED TO XXXX EVEN DAY-XXXX MIN XXXX DEACTIVATED : XXXX/XXXX/XXXX, 4 DAYS AFTER CLOSING, SPECIAL WARRANTY DEED-CASH ( {$10.00} ) FROM XXXX OF TX TO XXXX DBA XXXX , THEN, SPECIAL WARRANTY DEED W/XXXX RESERVED AND ASSIGNED TO 3RD PARTY LENDOR PROMISSORY NOTES OF {$220000.00} AND {$56000.00} PAYABLE TO XXXX FROM XXXX : XXXX/XXXX/XXXX RELEASE OF LIEN ( 2ND {$48000.00} ) BY XXXX, REQUESTED BY XXXX XXXX XXXX, PAID IN FULL : XXXX/XXXX/XXXX ASSIGNMENT OF DEED ( 1ST {$190000.00} ) FROM XXXX, NOMINEE FOR XXXX, TO XXXX XXXX XXXX XXXX, TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX ASSET BACKED PASS THROUGH SECURITIES WITH SEPERATE DOC FROM XXXX, NOMINEE FOR XXXX, REMOVING TRUSTEE AND ASSIGNING SUBSTITUTE TO FORECLOSE-THE RELEASE OF LIEN AND THE ASSIGNMENT OF DEED REF THE XXXX MIN NUMBERS THAT HAVE BEEN INACTIVE SINCE XXXX/XXXX/XXXX. THE RELEASE SIGNED BY XXXX XXXX ( VP OF XXXX ) NOTARIZED IN XXXX, THE ASSIGNMENT ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, XXXX SEC FOR XXXX WITH TRUSTEE NOTICE ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, VP OF CMS- ATTY IN FACT FOR XXXX XXXX WERE BOTH NOTARIZED IN XXXX CA BY A CMS EMPLOYEE, XXXX XXXX XXXX THE VP OF CMS, XXXX. SHE GOES BY XXXX XXXX-EMPLOYEES ARE NOT ALLOWED TO FORWARD CALLS DIRECT TO HER BECAUSE SHE IS VP : NOTARIES NOT ALLOWED TO DISCUSS DOCUMENTS : XXXX/XXXX/XXXX 2ND SUBSTITUTE TRUSTEE ASSIGNMENT POSTED, SIGNED BY XXXX XXXX DEFAULT LEAD FOR CMS, XXXX CA. ALL 3 NOTICES SAY RETURN TO CARRINGTON FORECLOSURE XXXX IN XXXX CA- I WAS ADVISED BY CARRINGTON CALL CENTER, THEY DO NOT HAVE A LOCATION IN XXXX , CA. XXXX XXXX XXXX XXXX-IS A TRUST CONTAINING BUNDLES OF SECURITIZED LOANS ; MORTGAGE WITH CMS WAS DISCHARGED IN 1ST CH XXXX BK ; CMS CLAIMING XXXX XXXX AS LIEN HOLDER OF NOTE ; RECORDS SHOW XXXX DBA XXXX XXXX AS HOLDER OF NOTE. ASSIGNMENTS FROM XXXX TO XXXX IN XXXX OVER RIDE ASSIGNMENTS TO XXXXCMS IN XXXX, PLUS THE ENDORSEMENTS ARE NOT VERIFIABLE.
03/29/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20772
Web Older American
I was laid-off and unemployed so applied for Special Forbearance for an unemployed homeowner to XXXX XXXX XXXX which was my mortgage company. XXXX XXXX XXXX was giving the runaround so I asked for Mediation as I lived in Maryland. Just before the mediation XXXX XXXX XXXX sold my loan to Carrington Mortgage services. I had the mediation with Carrington Mortgage Services and during the mediation, I asked for 1 ) Short Sales which was what XXXX XXXX XXXX offered me before they sold the loan or 2 ) A deed in lieu to avoid Foreclosure proceedings. Carrington Mortgage stated that because they just bought the loan and that I am still unemployed they will let me apply for a loan modification with them first and that if that does not work out, then they will offer me either the Short Sales or A deed in lieu. I put in the application in XX/XX/XXXX and they came back in XX/XX/XXXX for pay stubs. I reminded Carrington Mortgage Rep that I informed them at the mediation that I was unemployed and looking for a job and they asked me to apply for modification before they can tell me whether to do Short Sales or A deed in lieu. Carrington Mortgage then asked me to put into writing that I was still unemployed which I did through XXXX XXXX XXXX person who was helping out. They came back again that I was missing a document which I then uploaded to them on their site. I have not heard anything from Carrington Mortgage so on XX/XX/XXXX I called them to check on my application and I was told that they canceled my application and that I have to re-apply because supposedly they were missing some documents from them. Informed them that the last document they asked for I uploaded on their site. I then asked them what document I am supposedly missing but Carrington Mortgage could not tell me the specific document I am supposedly missing. Carrington Mortgage Rep then informed me that she was going to send me the applications and that I will receive them in a weeks time. I waited about a week without receiving the documents so I called them and I was told I should be receiving documents soon. I called them again on XX/XX/XXXX and I was told that Carrington Mortgage had set a sales date of XX/XX/XXXX for my house to be sold for foreclosure. I asked them how can they asked me to re-apply for a loan modification and I was waiting for the documents and they went ahead to set a foreclosure sales date without even informing me? Carrington Rep stated that they just set the date the morning I called them and that they do not have to inform me about setting date for foreclosure sale. Then they stated I can still send in the re-application to be considered. The behavior of Carrington Mortgage is just abominable.
12/11/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 335XX
Web
XX/XX/XXXX I called Carrington Mortgage Services, CMS, : Explained I wanted to change my Homeowners Ins. Co. as current company was due to renew end of XXXX. CMS already made payment to that company. I was instructed to contact co. for a refund and mail a check back to CMS to put back in escrow. I was instructed escrow payments must be sent by paper check and clearly marked escrow only, which I did on the face of check double underscored on top and escrow only in memo on check bottom. CMS advised to send check for amount that will be paid to " new '' ins. co. {$1100.00}. Please know I sent amount instructed by Cst. service. I send escrow check in the amt. of {$1100.00}, it was mailed on XX/XX/XXXX cleared bank on XX/XX/XXXX, I thought all was good. I checked my mortgage after the XX/XX/XXXX payment had slightly decreased to {$490.00}. My account page listed new payment amount of {$680.00} to commence on XX/XX/XXXX ( also stated on escrow analysis dated XX/XX/XXXX ). I was confused and called CMS at which time I became aware of negative escrow Balance : XXXX {$1100.00} ) On XX/XX/XXXX I started investigating my account payment history showed these payments made to CMS for principal on same day escrow check cleared my account ( XX/XX/XXXX ) in addition to XX/XX/XXXX reg. auto debit cleared {$520.00} then on XX/XX/XXXX the following payments were listed {$15.00} fee, {$66.00} curtailment, {$520.00} funds received, {$540.00} funds received. I requested a review and correction I was told another escrow analysis would need to done. But to my surprise on XX/XX/XXXX a draft came through on my checking account for {$680.00} a {$160.00} increase from my regular mortgage payment of {$520.00}. I never received communication from CMS of the increased amount to take effect in XX/XX/XXXX. I called CMS and explained there was an error on their part and I immediately went to bank to stop payment amount. I also stopped automatic debit on XX/XX/XXXX as the {$680.00} was taken from my account on XX/XX/XXXX causing two overdrafts. The money came back to my account on XX/XX/XXXX. I put stop payment on CMS. Meanwhile b4 the money returned ; I pleaded they send back the amount they used for another forced curtailment payment in the amount of {$130.00} and they refused. Then on XX/XX/XXXX they tried again to auto debit my account for {$540.00}. I can show where the actually took the {$680.00} and applied it to payment, forced curtailment and a late fee of {$19.00}? ( btw when they rec 'd the escrow check I saw where they charged me a late fee there again {$19.00}? ) Nothing was ever paid late. On XX/XX/XXXX I mailed a check in the amount of my payment of {$520.00} to make sure I stay current on time.
08/13/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 11208
Web Older American
XX/XX/2019 My XXXX XXXX XXXX mother wanted to refinance her mortgage to get a lower interest rate and to take equity from the house for home repairs. She contacted Carrington Mortgage, the holder of her mortgage. I offered to be a co-signer for my mother. When the mortgage specialist, XXXX, contacted me I told him I was only signing as a co-signer. I explained that the house belongs to my mother. He had access to that information as well. I do not appear on my mothers mortgage anywhere. This mortgage specialist said he understood. Carrington then ran a hard credit inquiry on both my mother and myself. they then sent all documents to us with my name appearing as primary on the re-financing with my XXXX XXXX XXXX mother showing as a co-signer. He hinted at my mothers age. I told him I was not the one taking out the loan nor was I the owner of the house and that he had to have the documents re-done to reflect my XXXX XXXX XXXX mother as the primary and me as a co-signer on the refinancing for her home. Carrington then ran another hard inquiry on our credit on XX/XX/2019 and sent a second set of documents for us to sign. Again my name appeared as the primary on the loan for the second set of documents at which point I told " XXXX '' to forget it. I told him that what he was doing was illegal. He did not want to have my mother as primary on her loan because of her age. He was treating her as if she did not understand things and decided to speak with me instead of my mother. On several occasions I had to tell " XXXX '' that he had to deal with my mother for details pertaining to her home. The two hard inquiries to our credit reduced our credit scores. Carrington laims that I had a new card or something on my credit and that is why they ran it again. they would not have known of the new credit had they not done a second hard inquiry. they also had not reason to do a hard inquiry within 30 days of the first inquiry. What Carrington did was discriminate against my XXXX XXXX XXXX mother because of her age. they had no reason not to grant my mother the refinancing so they get pushing documents at us with my name as the primary in hopes that we did not notice. We told Carrington to forget the refinancing and told them to remove the second inquiry from our creidt scores. to date they have not. We were unable to apply for another loan to refinance the house because the two hard credit inquiries lowered our credit scores. Carrington made sure that since we were not going to use them because of their underhanded discrimination tactics that we would not be able to secure the low interest rate we were seeking and were entitled to from any other lender because our credit score had now dropped.
03/28/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • ME
  • 040XX
Web
This complaint it to do with Carrington mortgage services LLC I have tried to do a loan modification with them Im on my sixth attempt they do not get back to me with information that they request when I call once a week once I submit the information they tell me what they may need I get it to them this last time the girl told me I need to submit a paper which I did the next day which I have a copy of they said because I did not re-submit all the other paperwork so it was all in order they refused three mortgage this is been a problem for almost 2 years now since I was injured at work I have tried to give them payment they sent back stating they would not except any payments toward my mortgage unless it was the entire amount I had not submitted since that point at the beginning of this process I feel I have gone above and beyond trying to get them they refuse to communicate with me when they find a problem as most banks would they do not communicate they just close the system out I am trying to get back on track I am back to work was looking to start making payments but they keep denying state and I am not giving them what they need when I do have proof I have given them everything that they have needed and have asked for I have made the phone calls that they have made no contact to me I was originally with XXXX XXXX XXXX they turned or sold the account to Carrington mortgage services I was in the process of loan modification with them when they turned it over to Carrington they said I had to go through the process again which I started and I did and they feel they communicate with me and XXXX closing the case out I am now on my sixth or seventh time attempting to do this and I was wondering if there is anything that the government can do because I find that this is a little bit on the ridiculous side when a mortgage company will not talk with you and tell you our assist in trying to get everything needed to get this done I do not wish for a foreclosure I have never had a problem until I was injured I am trying to Do all I can to get this back on track and get back to normal payments and get this caught up and paid off at some point in my life this company does not seem to want to work with me when I mentioned call them and try to get additional information of why they said things werent sent and I have proof that they were said they just did not get it and want to put it in their own process of organization I dont know what their issue is but I am falling further and further behind to the point where Im probably going to lose my home and less I get some help please if you need any additional information I will be more than happy to give it to you thank you
10/10/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08857
Web Older American
On XX/XX/2018 my home was damaged from a broken hot water heater above me I submitted to my insurance company and settled with them and was issued a check made out to both myself and the mortgage company .I informed the mortgage company ( XXXX XXXX ) and was issued a ILD #. On XX/XX/2018 they then sent me numerous papers to me to fill out and informed me that the money would be put in escrow and dispersed as needed once I sent them necessary paperwork which included copy of the following insurance company 's adjusters report/estimate, mortgagor 's declaration of intent to repair, bid/work contract, form w9 for contractor, contractor 's license affidavit, signed check from insurance company, any receipts for work paid and completed and a letter if I wish to receive more than 25 % of the total amount in escrow. This was all sent to them on XX/XX/2018. Having heard nothing from them I called on XX/XX/2018 to follow up only to be informed that because the contractor had not signed the bid they could not process I then faxed a signed copy that day. On XX/XX/2018 I called again this time I was informed it was not processed because I had not signed the bid ( If I did not follow up how long would the file have sat before someone got in touch with me to let me know they needed these signatures ) but the supervisor assured me he would expedite the payment and I faxed a signed bid by me to them. XX/XX/2018 called again spoke to a supervisor who informed me that a check was issued for half of the contractors bid amount. After explaining to this supervisor that the contractor needed to be paid in full in order to complete the work as it required the purchase of a furnace and air conditioner unit she assured me she would contact the appropriate people and explain the situation and would call me the next day and update me. No phone call ever came On XX/XX/2018 I called again and was told that no supervisor was available to speak to me I said I would hold for them and was informed I could not hold and they would call me back within 24 hours. So here I am no heat, air conditioner, walls, insulation, ceiling 's, and flooring. I am XXXX XXXX and live with my XXXX year old mother and the temperature outside will be dropping into the 60 's in two days. I have advised the insurance company of our situation and they sympathetic to my situation they do nothing to help. I would really appreciate anything you can do to help me. I do not understand why the mortgage company who say they are so interested in restoring the property back to its original state ( as I am very anxious to do ) is controlling the money to do so from the insurance policy that I personally pay for not them.
04/18/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08046
Web Older American, Servicemember
About XXXX months ago was my last complaint about this company. In that time the situation hasn't been resolved. The intentional delaying, threats and dirty tricks haven't stopped. I called them and they wanted the XXXX payment to even send the paperwork. That's fair i suppose. So it was payed. The re-modification documents finally arrived by first class mail after about 14 days. There was no reason they couldn't be emailed but whatever. I notarized them and sent them back by XXXX then the waiting game started. it took about 20 days before i was told by email to call in to discuss a problem. There is no reason why the so-called problem couldn't be told to me by email so i could address it immediately but again whatever. It took a week to get through to anyone. Calling there requires 30-40 minute hold times. Even if you have a direct number and extension it goes through a main line. When i finally spoke to someone they claimed the date couldn't be read so i had to send the documents again. One number in XXXX was kind of dark because of the pen i was using so they rejected the documents. It is ridiculous and this is another delaying tactic. I sent the documents again and more waiting. After hearing nothing for weeks i called in and they claimed they were waiting for another payment. I don't believe and have never believed these people had good intentions or intended to honor the law or any of these agreements. Just like when they bought this account they delayed and played dirty tricks so they could seize my house and make big profit since everyone knows debt collectors pay pennies on the dollar on collection accounts. There needs to be an investigation into this company to see if they have defrauded or attempted to defraud others out of their property. When they originally received the agreement documents the payments were up to date but they dragged their feet to have an excuse to pull some more dirty tricks. I am XXXX XXXX XXXX and wanting to give this house to my son so he can enjoy it but this company is intent on making my life XXXX XXXX XXXXXXXX so they can ruthlessly steal from me and line their pockets. Because my family is here with me we are all living this nightmare. I have even more trouble because XXXX hackers stole my money out of my bank account and i haven't been able to get it back at this time. My son is reluctant to pay this debt for me unless he has assurances that his money will not be taken and they take my house anyway. The question i have is why wasn't the re-modification finalized after they had the payment and the documents 3 months ago. Why delay and then claim somehow this is my fault and im still defaulting on payments?
10/03/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • UT
  • 84606
Web
In XX/XX/XXXX, I started a home loan modification with XXXX XXXX XXXX. I submitted ALL the paperwork numerous times, via fax, email portal, and express mail. For four months they dragged it on saying they did n't receive this or that and each time I resubmitted paperwork. And each time they needed something else submitted. After 4 months of this and consistent weekly and sometime daily calls to them, I decided to try a different route but it was with a company who charged for it. At that point, I realized my mistake of paying someone to help and confronted the owner of the company and was given a partial refund. By then, XXXX XXXX XXXX had turned my loan over to Carrington Mortgage Services. This time I approached XXXX XXXX XXXX ( HUD ) for assistance. I thought if I went through an organization that deals with this all the time, then it would be documented etc. In XX/XX/XXXX I started a Home loan Modification with Carrington Mortgage Services. I had n't heard anything about any other information needed other than I needed a Durable Power of Attorney, due to the fact that My husband is in XXXX, and I need to deal with all of this alone. My name is on the deed, but not the loan, which I got and sent a copy to them, the day after the request. After a substantial amount of time, in XX/XX/XXXX, I received a letter stating that the case had been dropped due to the requested documents not being received. At this point, I called and was told they had no information on file. No sign of a loan modification that had been started. This was after the agent I was working with told me she had received emails stating it had been received. As of now, I have a foreclosure Auction date set for XX/XX/XXXX. We have resubmitted the entire package again, sent certified mail today, XX/XX/XXXX to Intake Department Carrington Mortgage Services XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX, Ca XXXX with a contact number of XXXX XXXX XXXX. After speaking with Carrington Mortgage Services customer reps via phone EVERY DAY since being told I would have to resend, yet again, a durable power of attorney with a password, before they would even talk to me about the case. I Faxed it over that day. Thursday XX/XX/XXXX. I called again after I was told that they would put it on my file THAT DAY, so I could speak to someone. It is now XX/XX/XXXX and still they have not input the data. This has caused such undue XXXX and XXXX to me that I have now had to go on medication. I need action! I need to not lose my home! I need a home loan modification so I CAN afford to live. I need help with this. I would like this reported to both XXXX XXXX XXXX and Carrington Mortgage services.
09/14/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • Closing disclosure or other related disclosures
  • FL
  • 349XX
Web
I apply for a mortgage loan thru a broker with XXXX XXXX which is working with Carrington Mortgage. I applied for 10 % down payment which they approve and been working on for the past 60 days, However I was told and received a new disclosure after signing and submitting the closing disclosure which ( 3 ) had been signed already. First the broker contacted me and stated the lender is changing terms on your contract theyre not able to do your loan at the rate approved. So I asked are there documents needed or not accepted. He stated no. I stated are there breaching their own contract? He said yes. I ask him to have the new contract sent as evidence of contract breached for the prior one that was signed the day before. The first contract is 10 % down all requirements have been met all documents that were requested also has been submitted. The new contract states 15 % down payment which Im under contract for a property and close tomorrow XX/XX/2023 and a new contract was issued 48 hours before with an increase to 15 %. And Ive contacted other lenders to see if this was something common or feasible in this market and its not a common practice I should say. So I Emailed XXXX XXXX XXXXRelationship Manager Mortgage Lending Division of Carrington Mortgage . Why is the contract being breached this is in violation of consumer to lender and shows predatory lending. He stated Discuss with your broker he replied in email. However the broker contacted me and informed me that the lender is not communicating with him. He also forwarded emails of no detail or response in regards to my file, but the breach of contract which he stated has never been done in his years of working as a broker someone should be notified outside of him. Along with these circumstances I have emails from broker and lender. Broker is willing to provide written documentation concerning matter and is a witness alongside of myself and the realtor. Carrington mortgage has violated me as a consumer who is under contract for a property by failure to perform there services due to predatory lending. There was not a specified issue or problem for contract breached so I was alarmed Ive been a victim of abusive practices. To my knowledge of the law lenders are required to say why youre not approve, changes in terms etc. However Im a just another victim I can assure from this lender thats just speaking up. This was herocious experience. I have documentation of contracts emails and more if needed for more evidence as this matter definitely needs legal attention. Carrington Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX CT XXXX Direct : ( XXXX ) XXXX |Fax : XXXX www.CarringtonWholesale.com XXXX XXXX
11/18/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CO
  • 809XX
Web Servicemember
The history is relevant : I have been attempting for literal years to get a modification on my mortgage due to a family emergency that resulted in a default on the mortgage. The process began in XXXX XXXX XXXXXXXX when the mortgage was serviced by XXXX. I was consistently stone-walled by XXXX for years. The pattern went like this : I would fill out the hardship applications, print off my pay stubs and current relevant information, send them through the portal. Receipt would be acknowledged electronically. They would say that my file was with underwriting and it would take awhile. I would call back for a status, they always say it was still in underwriting. At approx the 3 month mark I would call for a status and would be told told that I had been assigned to a new single point of contact and I would have to start all over. I would not get an answer on the hardship applications. Each instance of this took minimum of 3 months. This happened upwards of 10 times, so may that I had actually been assigned to two single points of contact twice and the department was huge! In XXXXXXXX XXXX XXXXXXXX there was an ethics violation by XXXX. I wrote a complaint and was assigned to an XXXX XXXXXXXX in spring of XXXX ( email attached ). I tried repeatedly to reach the gentleman who introduces himself in the email, he never responded. I have emails of this if it matters. Months later I found out that XXXX had sold the servicing on the loan to XXXX. XXXX shirked responsibility for the ethics violation by selling the servicing contract on the loan. I spent months reaching out to XXXX to no avail. I discovered that the servicing on the loan had been sold again to Carrington which is where it rests now. Current complaint : I can't get a single point of contact with Carrington. Per Colorado law CRS 38-38-103.1 AND federal law 12CFR1024.40 Carrington is required to assign mortgage modification seekers a single point of contact. Carrington will not assign my case to a single point of contact despite multiple modification application submissions. When I have called back to follow up with the same person, making the person a de facto single point of contact, the person who answers the phone states " any one can help you '' and refuses to transfer my call to the individual. My case is very complex and " anyone '' can not help me. I have been given miss-information many times by Carrington and there is no accountability when I have to go through the whole case with a new individual with varying degrees of competency every time I call to follow up. Please find a recent email exchange of me asking who my single point of contact is with the usual outcome : " anyone can help ''
06/05/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NM
  • 87112
Web
My mortgage loan stated with XXXX and was quickly sold to XXXX XXXX XXXX who just sold it to Carrington Mortgage Services. XXXX had applied and according to the letter they sent me on XXXX XXXX, 2015 that HUD had approved discontinuing MIP. They sent me a letter stating my annual escrow review had been done and my escrow payment was {$190.00} but was going down to {$100.00} per month. I made my XXXX payment through an Escrow company and the check was cleared XXXX XXXX, 2015. I received a letter from Carrington stating no monies had been received. I verified with the Escrow company that the payment had been made and cleared and then contacted Carrington. I was again told no monies were received only after a lengthy discussion did the customer service rep finally admitted they did have the payment. She stated it not applied because they the amount was insufficient according to their records. I shared all the dates and statements I had received from XXXX and was told that she was just trying to keep me from being foreclosed on. She also told me not to talk but to listen to her because if I did n't make a payment right then the rep would not help me. She also tried to make me pay the entire payment until we had another long discussion that they had the entire payment less {$85.00}. She accepted my checking information and only after she had it did she inform me there would be a {$15.00} fee payable to XXXX XXXX. Giving the media attention regarding issues with XXXX XXXX I objected and was told I had no choice. I asked how this could be resolved and was informed it was up to me to provide Carrington with all the documentation including those sent by Carrington. She gave me a phone number to the research department that turned out to be a non working number. I also asked to speak to a supervisor on several occasions and was told no each time. She took my phone number and said a supervisor would call it has now been XXXX days and no return call. I was also informed by a XXXX customer rep that all the information regarding the MIP and escrow changes were provided to Carrington. He also refused any assistance stating they had closed out the loan so it basically was n't their problem. When I spoke with the Carrington customer service rep she informed me that she found no such records, Ironically on XXXX XXXX, 2015 Carrington issued me a check for a Escrow refund, my question is how did that happen? I have read numerous complaints from individuals who had their mortgages sold by XXXX to Carrington and a vast majority report numerous issues with Carrington. This is a FHA loan and the government needs to investigate this company and it 's practices. Thank you.
02/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NE
  • 68106
Web
In XXXX 2021, I was refinancing with XXXX XXXX XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage officer [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for one year.. I even filed a dispute with XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!
02/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NE
  • 68106
Web
In XXXX 2021, I was refinancing with XXXX XXXX XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage XXXX [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for XXXX year.. I even filed a dispute witXXXX XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!
09/21/2022 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 315XX
Web Servicemember
Our VA mortgage on our primary residence was owned by XXXXXXXX XXXX. After Covid caused one of us to drop to part-time employment, we used the CARES Act to suspend payments on the mortgage for 12 months. At the end of the 12 months, we completed a partial claim through XXXX XXXX for the full amount due ( {$28000.00} ). This brought the account current. The partial claim was executed XX/XX/22 and recorded XX/XX/22 ; the document was not in our possession during the delay in recording. Our mortgage was sold to Carrington some time in XXXX. Carrington claims it never received information about the partial claim from XXXX, and immediately began sending us letters that we were {$28000.00} behind on payments and about to face foreclosure. We called more than a dozen times to explain that the balance had been covered by a partial claim. We also had XXXX re-send the partial claim documents, and we eventually got the partial claim documents and sent them to Carrington ourselves. Most of the people we've spoken to at Carrington are unable to even understand what the issue is. Occasionally we will get someone on the phone who seems to grasp the problem and asks us to send some documents, which we immediately do, but we can never get the same person back on the phone again. Carrington representatives will not give us last names, email addresses, direct dial numbers, or any other way of reliably reaching them, forcing us to start from square one on the general customer service number every time we call. We made our first mortgage payment to Carrington on XX/XX/22, and have paid on the first of the month every month since. Carrington 's website and app don't work ( we just get a message that " there is a problem with your account '' ), so we have to call in to request our balance and authorize an electronic payment. We have always paid the full amount that we are told is due. Our credit scores ( mine and my husband 's ) recently dropped more than XXXX points, from the 800s to the high 500s, based on reports from Carrington that we are {$29000.00} behind and have multiple missed payments that are more than 120 days late. We have called, emailed, and faxed supporting documentation to show that we have paid on time every month since Carrington bought our mortgage, and that there was not an outstanding balance at the time the mortgage was sold due to the partial claim. We continue to receive no response, and additional late payments continue to be reported to the credit bureaus. Neither of us has ever had a single derogatory mark on our credit. Documentation of the partial claim, and a printout of our payment history from Carrington, are attached.
07/29/2017 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TX
  • 79928
Web Servicemember
We have been participating in a lender approve short sale previous through XXXX XXXX XXXX and now through Carrington Mortgage Services since XX/XX/XXXX. Our loan was previously sold to Carrington from XXXX XXXX XXXX in XX/XX/XXXX while in negotiation for a VA Approved short sale. As part of the loan package a loss draft insurance claim that was issued in XX/XX/XXXX was given to Carrington mortgage Services identifying roof replacement as the single cause to damage to our property. Due to the hardship that has fallen upon our family we have been unable to replace the roof with out in any assistance from the insurance company. Upon notice of transfer of loan in XX/XX/XXXX we informed Carrington of our short sale status and the roof claim. Carrington inform us that they did not have the complete package from BOA so that could not issued or find the claim. The potential buyer 's insurance company would not issue a new policy on the house without the claim being settle, so we unfortunately loss that buyer ( Buyer1 ). In XX/XX/XXXX we contracted another buyer ( buyer2 ) to purchase the property. We confirm we Carrington Mortgage Services, that we had a purchaser, we receive approval for the short sale. Carrington Confirm that they have received there paperwork, and could issue the check for the roof. As of XX/XX/XXXX. No check had been issued. Our second buyer cancel, due to no policy being able to be issued on the property with a pending claim for roof again. We contacting Carrington again they told us they were processing the claim but need more information for the insurance company. We engage the buyer again, ask to come back in to the contract and give us more time. We were given an additional 15 days to close. As of XX/XX/XXXX Carrington still had not issued the partial payment for the insurance claim needed to get the contractor start to repair the roof. The buyer cancel again .... We now have engage a third buyer ... based on the same approval given by Carrington set for a closing date of XX/XX/XXXX. At this time Carrington sent another appraiser out to visit the property for a liquidation sale as of XX/XX/XXXX. Carrington and XXXX XXXX XXXX while approving us for the short sale, did in every instance avoid allowing us to sell the home. They intentionally held up the issued claim that has cause us to lose a total of XXXX contracts. If they did not intend for us to sell the home, why have they put us through so much grief and inconvenience. We only ask that we be allowed to sell our home. Please Help US, we have done everything they ask. the amount of XXXX and grief this has cause of family is enormous.We just want to be able to sell.
12/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 923XX
Web
Per informative research there has been negative credit reporting from my current mortgage lender on the following dates : 30 days late : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 60 days ) Dispute : XX/XX/XXXX, Carrington researched and advised my Forbearance plan expired on XX/XX/XXXX Although my loan was approved for a XXXX XXXX XXXX ( FHA ) XXXX XXXX Recovery Loan Modification in XXXX and my loan modification documents were drafted on XX/XX/XXXX Carrington advised in their response that they sent the modification documents to be signed however I explained never received them ; hence they were sent online through the website portal and I was not aware thats how they were sent. I was under the impression these legal documents were sent via XXXX and considering a recent change on mailbox locations I assumed they were lost in the mail. Nonetheless, they were then sent via mail and they were signed and notarized and XXXX. On XX/XX/XXXX I received a letter stating my loan modification documents received on XX/XX/XXXX were incomplete and a response was due by XX/XX/XXXX ( I should still be protected under applicable laws as a consumer and NOT have negative credit reporting as I was still under hardship ) I rectified the problem immediately and had the loan modification documents corrected by the notary as this was caused by the notarys error with a middle initial missing. In addition, the letter dated XX/XX/XXXX states that during the XXXX XXXX Forebearance period, Modification period there would be no negative credit reporting. In this case, the transition period from the forbearance period and loan modification overlapped and is not conclusive to negative reporting as a consumer and my rights have been violated as I advised Carrington of the unforeseen hardships and delay in modification documents. Lastly, the credit reporting on XX/XX/XXXX was also invalid as my attempt to make my mortgage payment on Sunday XX/XX/XXXX on the Carrington website was down and not accessible and I was unable to get in touch with a representative therefore I had to use the speed pay system which caused my XXXX payment to not post until the next business day XX/XX/XXXX I am requesting per the CFPB and DOJ that ALL the above concerns of negative credit reporting is removed from all three major credit reporting agencies for the following dates : XX/XX/XXXX, XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( XXXX late ) otherwise I XXXX need to seek a class action lawsuit, notify media and contact the Department of Justice for legal actions against Carrington XXXX unfair practices against consumers during the worldwide pandemic. Respectfully, XXXX XXXX XXXX
12/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30310
Web
I am XXXX and live on a fixed income. I also live in a transitional neighborhood that is rapidly gentrifying. As such, property values in my neighborhood, including mine, have skyrocketed. An organization that is partially the cause of the rapid increases, XXXX XXXX XXXX XXXX, has started a grant program for legacy residents like me that aims to help us keep our homes by paying tax increases for 10 years. My property taxes are paid by the mortgage company and added to my mortgage payment escrow to be paid during the calendar year. It is with this expectation that the program ( XXXX XXXX XXXX XXXX - " XXXX '' ) pays the difference so that difference can be refunded back to me after the mortgage company has paid the tax bill -- it is not meant as partial tax payment, but rather paid with the specific intent to provide relief in the form of a refund back to me of the XXXX 's payment amount. For some reason, Carrington decided to make a partial payment instead of the full tax amount because the beltline had already made their XXXX payment to the tax commissioner. In so doing, Carrington willfully and deliberately committed what I believe to be fraud by taking both my monthly escrow contributions ( which are meant for insurance and the FULL tax bill ) and only making a partial tax payment that excluded the XXXX paid for my benefit by the XXXX. After contacting XXXX, i was informed that i was required to provide proof of both the payment from XXXX and from the tax commissioner. While redundant, I have uploaded both to the specified website, but was told they would take 10 business days " to research the issue '' despite having caused it and being fully aware that they did. I need this money -- it's the whole point of the grant ; and I feel that this horrible servicer is now trying to make me pay twice for something that they already collect in my monthly mortgage payment. i SHOULD NOT HAVE TO WAIT on funds that are mine and carrington should pay me the money immediately as well as interest. This is just the latest of several complaints I have filed on this company and this organization is supposed to help. Instead, once they offer a weak excuse, you are always satisfied, and people like me, especially those of us XXXX with XXXX XXXX XXXX continue to get screwed despite this supposedly being a place to find help. At a mimimum, this is unethical, But they took funds that did not belong to them and if not outright burglary, it is at least embezzlement or fraud. PLEASE DO SOMETHING ABOUT THIS. I DON '' T have the luxury of 10 business days ; i need my money now and you have the power to compel them to give it to me sooner.
02/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • WA
  • 98203
Web Servicemember
I have sent the letter below to Carrington mortgage explaining the situation, after learning that they had reported a 30-day late payment on my credit report. This was not the case, I tried explaining the situation to their credit department and they only repeated the letter I sent them and stated that no matter what the payment was late. This is not at all a satisfactory answer and it just seems that Carrington mortgage is not making an effort to make the situation right. This letter is to explain the circumstances regarding the 30-day late payment that was reported on my credit report. I called Carrington Mortgage Services on XX/XX/2019, to find out how to pay online. This was after I had tried paying my mortgage multiple times on the Carrington online portal. The system kept giving me an error which mentioned the routing number I was providing was not valid. After I had been on hold for several minutes, a Carrington representative came on the line. I had to explain my problem to him and even tried to perform the same process while on the phone, I was also unsuccessful. He then asked me for my banking information so he can make the payment on my behalf. After giving him all my information, we were both under the impression that the payment was successfully made. On XX/XX/2019. I received a letter from Carrington advising me that the payment which Carrington customer service representative made, was returned due to payment account not found. That same moment I logged in on my phone and resubmitted the payment and unbeknownst to me the system used the same bank information that was captured when the Carrington representative made the first payment. This payment also was returned due to the payment account not found. On XX/XX/2019. I received a call from a Carrington collections representative asking to pay my mortgage payment for XXXX and XXXX. This is when she advised me that the second attempt for payment on XX/XX/2019 was not successful. I explained the situation, she agreed to refund the late fee penalty and advised me on writing this letter to explain my situation. I also asked her if the calls were recorded and she confirmed that Carrington in fact does record calls. These calls can always be used to collaborate with my explanation. In conclusion, I believe that this was a mistake when entering the bank information. I respectfully ask that this matter is resolved by removing this late payment off my credit report with all three bureaus. I have never had a mortgage late payment on my credit report or with Carrington for that matter. This truly impacts my consumer credit report and other financial aspects of my life.
06/05/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • ME
  • 046XX
Web
Carrington Mortgage has been the direct force in us resulting with a lien against our property. Our mortgage has our tax pymts escrowed. On XX/XX/XXXX, I was informed by my town office that no pymts had been received for the year & a XXXX day demand was in affect. We contacted Carrington on XXXX and was told that their records agreed, no pymt had been made. A copy of the demand letter was faxed by the town to the company. We were told it had been received and would take XXXX days to process but we were all set. After checking our account and seeing no pymt applied we again called on the morning of XXXX. We were told this time that nothing had been processed & that they had not received a fax from the town until XXXX. This was in fact a lie since we had verification back on XXXX we were all set. The town further verified it by having confirmation that the fax was sent on XXXX and there were no outgoing faxes on XXXX. They told us it would be another XXXX days for processing. I told them this was unacceptable since the deadline was XXXX. The town was contacted by them the morning of XXXX asking for yet another statement of the account balance. It was provided and then the town called and verified that it had been received and was in hand, which it was confirmed. I called as well and was told on XXXX that the check had been issued and had been overnighted. On XXXX, no payment was received. The XXXX aware of the situation, called the company and was told that they would call back with a tracking # and were surprised it had not come in. By the afternoon, the XXXX received another call from a different individual stating that there had been a mess up and the check had not been mailed ( Even though XXXX the XXXX and myself was informed on XXXX it had been mailed ) They were unwilling to do anything in forms of a wire transfer or over the phone payment to avoid us having a lien placed on our property by XXXX. Checks were finally cut and mailed on XXXX but a lien was filed due to non payment by the set deadline. This has further led us to believe that we were misdirected last XXXX ( XX/XX/XXXX ) when we tried to apply for a refinancing of our loan due to some hardships ( my wife had missed a lot of work due to XXXX issues ) We submitted everything that was requested of us and each time when we confirmed that it was received, were told we were all set. Then when we would call to check on the status, were told on XXXX separate occasions that the documents had not been received. We were ultimately denied and accepted it, but this is now making us wonder, if this was just another lie and documents were not delivered or fairly reviewed.
10/27/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IN
  • 467XX
Web
I have had nothing but problems with Carrington Mortgage dating back to XX/XX/XXXX. My husband lost his job in XX/XX/XXXX and we struggled to make our XX/XX/XXXX house payment. Called Carrington for help only to get the response you are not currently late so we cant help you. And so the process begins. After missing a few payments, we filed for a loan modification ( nightmare ). It took over 6 months to get the modification approved and meanwhile we fell further behind in our payments. I had to do the modification twice in order for it to be approved. I called Carrington every week during this process and received different answers every time I called. Foreclosure notices began arriving when I was told that wouldnt happen during the modification process. Again, different answer whenever I called. Modification finally got approved in XX/XX/XXXX but it has taken Carrington over 3 months to complete the process on their end. Meanwhile I have made our new payment amounts, per our approved modification, for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time every month. Yesterday, XX/XX/XXXX I received a foreclosure notice for failure to make the past 3 months payments. I called Carrington and was assured my mortgage was current and to disregard the letter. I then asked if they reported me as late to the credit bureaus. I was informed it was not reported as late. After hanging up the phone I checked the credit report and sure enough they did report it as late for the last 3 months. I immediately called back and the person I spoke to said it was reported as late because I was late-bull!! He said I needed to write a letter to their customer research department asking them in investigate it. I said why should I have to do that when I am not late, you ( Carrington ) need to fix it not me. He ignored all my questions and just kept trying to give me a fax number. Not getting anywhere with him I hung up and called again asking to speak to a supervisor. I was put on hold for several minutes and the same person came back on the phone and told me there was nothing they could do by phone. I am fuming at this point and insisted on speaking to the supervisor. Not sure who I actually got transferred to but she said they could fix it but she would need me to fax my credit report. I said you can just easily pull it up yourself and she said I cant do that. I said youre a mortgage company you pull credit reports all the time. She said she couldnt help unless I fax it. So in just 1 hour I received 4 different responses from 4 different people! This has been the way its been for the past year, nothing but problems and hassled from Carrington employees.
02/21/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • VA
  • 20111
Web Servicemember
In XXXX - XXXX I applied for the COVID Forbearance assistance from Carrington Mortgage through the VA due to family circumstances during the pandemic. In XX/XX/XXXX we started a loan modification to catch up on my loan. We are now fully caught up and paying on the house as required. In XX/XX/XXXX I reached out to a real estate agent to sell my house due to medical bills accumulated during Covid-19 and had started to look for avenues to sell the house. During the time we had decided that a VA loan assumption would be most helpful due to some damages to the house ( Notably carpet from a rescued cat and a deck that needed to be redone ). We contacted Carrington in XX/XX/XXXX to get pre-approved for my house to be assumed, they ( Carrington Mortgage ) said that they would need some more time to decide due to the previous loan modification. About a week later ( I do not remember the specific time ) they called me and informed me that I would be able to sell my house through a loan assumption and proceeded to send me the paperwork. I received the paperwork in the first week of XXXX, forwarded the paperwork to the buyer, and Carrington received the paperwork on XXXX XX/XX/XXXX. I followed up SEVERAL times ( I have an average of 3 calls per month between then and XXXX XXXX ) asking for a follow up and was only told it was in underwriting. On XXXX XXXX the buyer reached out to me asking for information about the loan assumption so I called Carrington and made the Buyer an authorized user on the account so they could receive information. The information she received that day was that the loan could not be assumed due to the loan modification. This was never brought up during these calls when I asked for a status update and the buyer was told this before I was. This caused the sale to fall through and us to pull my house off the market due to the housing market to drop. This sale was vital to my family and myself to care for bills that had been accumulated while working through covid, both medical and otherwise, and the sale of the house would have prevented over {$35000.00} in wage garnishments and a further XXXX in debt that it was going to be used to fully pay off. Please understand, I'm not upset that we couldn't have my VA loan assumed ( however, after talking to the VA, I was told this would NEVER be the case and ALL VA loans can be assumed ), I'm upset that Carrington Mortgage waited TWO MONTHS to not even contact me to cancel the assumption AFTER I was pre-approved to have my loan assumed. I could have worked with the lawyers in our bills and not have had my wages garnished, but still worked over time to pay them off.
12/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 38654
Web
My mortgage was sold to Carrington Mortgage Services ( XXXX ) by XXXX. I had never heard of XXXX before. I had only received XXXX piece of mail from XXXX, and my payment was coming due, so I called XXXX to determine how to pay my bill and if it would be automatically drafted as it was at XXXX. They said the auto payments would NOT continue and I could n't set it up online and that I would have to fill out a form to authorize XXXX to pull the money on a recurring schedule. I made XXXX XXXX time online payments for XX/XX/XXXX and XX/XX/XXXX. Right after I made the XX/XX/XXXX payment on XX/XX/XXXX, I got a notice in the mail that they were going to auto-draft my payment on XX/XX/XXXX. I called them and asked them to cancel this, since I already made a payment. Also, I never sent in the form to authorize payments, but they said XXXX had sent the info to them ( is this LEGAL?!? ). The lady said she would cancel it as all they needed was XXXX business days to cancel it. Well, on XX/XX/XXXX, the payment was pulled from my bank account. I called them and asked them to refund my money immediately. They said it would take up to XXXX business days. I asked to speak to a supervisor, and I was transferred to a " senior specialist ''. I asked him if he was a supervisor and he said no. After speaking with him for a few minutes, I had to ask for a supervisor as this " senior specialist '' could not give me hardly any new information than the previous rep. I FINALLY spoke with a supervisor named XXXX ( ID XXXX ). She informed me that I am XXXX of XXXX clients who made double payments ( when in reality, I made XXXX payment, and they essentially stole money from my bank account without my permission ). She also mentioned that they " do this all the time '' ( meaning they buy mortgages ). It 's hard to believe they do this all the time, yet have no clue how to service these clients or accounts. This is a MAJOR error on their part. She said that she has to tell me it could take up to XXXX business days but will likely be less. I told her I work in the financial services industry and a standard ACH takes no more than XXXX business days. She said because they have to use an outside bank, it takes longer, but that my request has been expedited. And still with it being expedited, she could only give me a 15 day timeline. The customer service was terrible. They gave me wrong information on XXXX occasions - a. They told me my payment would not be auto-drafted b. They said they would cancel the auto-draft since I made a manual payment based on their previous information. It 's a shame they are stealing money from people right before XXXX.
06/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 752XX
Web
I fell behind on my mortgage due to job loss in XX/XX/XXXX. My loan was sold to Carrington Mortgage in XX/XX/XXXX. When I started working in XX/XX/XXXX after I received my first check in XX/XX/XXXX, I called to set up payment arrangements that by my calculations would have had me not only caught up, but ahead on my mortgage by the beginning of XX/XX/XXXX. The person I spoke with, told me this was impossible, my account was " locked '' against partial payments and that they would only accept the full amount due at that time. They also advised me to try to get a mortgage modification. I agreed to attempt the modification and awaited the paperwork. They paperwork did not arrive until XX/XX/XXXX. I was denied for repayment or modification. I received a general collection call from them regarding my account in XX/XX/XXXX, where I was told by the representative that my account was not " locked '' and that payments ( partial ) could be made, it's just that she wouldn't be able to take it over the phone I would have to send it in via mail or wire transfer it, but also that the lock could go on my account at any moment, she also said to try again for a modification, which I did. The paperwork came in XX/XX/XXXX and I was denied in XX/XX/XXXX. I called with someone on the phone with me to attempt to speak to someone in the Modification dept. The first time I got through, but when I called again the next day with more questions and concerns I was denied contact with the Modification dept and the rep stated because they spoke with me the day before they would probably not take my call. She did not attempt to transfer me. I applied again for a modification and have again been denied, I've attempted to make payments, the first was accepted the second rejected. The reason they have been denying my repayment requests is because they say it will take more than 6 months to repay the past due, and I keep trying to show and explain that it would NOT take more than 6 months, I can have the deficit cleared and my account completely in the black in 6 months and it would have been cleared if the person I spoke with in XX/XX/XXXX had been truthful with me. I have friends that are able to assist with my basic needs while I meet this past due obligation, but there's no way to list or count that as " income '' I was told by the rep because their assistance wouldn't start until I was approved for the modification and was making payments. Carrington Mortgage is refusing to work with me to help me stay in my home they are only offering deed in lieu of foreclosure and that is not what I want. I am willing to accept any assistance to stay in my home.
12/28/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • SC
  • 29045
Web Servicemember
Good morning, I am reaching out to you because my Senator recommended this as the next step in the process of fixing the problem. Since XX/XX/XXXX I have been in an ongoing battle with XXXX XXXX Tax Assessor and Carrington Mortgage. In XX/XX/XXXX I was told that the mortgage company did not submit the proper paperwork showing my home was my primary residence so I was assessed at a higher rate. From XX/XX/XXXX to XX/XX/XXXX I submitted every document required to fix this problem. I proactively kept the mortgage company abreast of the situation. In XX/XX/XXXX the mortgage company did an assessment based off of the erroneous tax information and changed my mortgage from XXXX to XXXX. In XX/XX/XXXX XXXX XXXX confirmed they made a mistake and put in the correction to refund XXXX. Carrington mortgage did not correct the mistake until XX/XX/XXXX. During that time the mortgage company put me on forbearance so everything could be fixed. I submitted a total of XXXX to them and instead of them applying it correctly, they applied it as if the amount due was still 3900 monthly. In XX/XX/XXXX Carrington finally corrected my mortgage to XXXX but refused to fix the errors that made my account almost 25k over what was due. I was told that all I had to do was write a letter requesting that the overage be refunded or applied to the account correctly. That was on XX/XX/XXXX. As of today I am being told that they can not fix the error in the system until I pay XXXX to bring the account current under the incorrect amount. Then once I pay the XXXX they will fix it and send it to me. I dont have XXXX just lying around. I have tried contacting Carrington mortgage several times and they keep giving me the run around. I have emailed XXXX XXXX ( XXXX XX/XX/XXXX ) and have yet to hear back from him or anyone on his team. I am a small business owner and Covid has greatly affected my income. I am asking for your help because this is a lender that is not doing business correctly. I am a minority XXXX XXXX veteran that served my country honorably and have continued to service my community. I dont think it is right that I can possibly lose my home because of an error made by humans that refuse to correct. I keep being told that they understand my anger and want to correct it but they cant correct what is input to the computer. I work hard to provide the American dream to my daughter and to show other minority women that success can be achieved when effort is applied. However, this refusal to fix a simple error is going to destroy everything I have worked hard for over the past 20 years. I have the paper trail to prove that I did everything correctly.
01/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • UT
  • 841XX
Web
XX/XX/XXXX, I purchased a condo at XXXX XXXX XXXX XXXX, XXXX. After six months of living in the building, the developer had sold the remaining units and relinquished control of the building to the HOA. I did n't know this at the time, but the original lender, XXXX based in XXXX XXXX, Florida had falsified loan documents for many of the residents that purchased condos. Many of the new condo owners did n't even have jobs. So when it came time to pay the monthly HOA fees, only about XXXX % of the building 's residents were paying. By XX/XX/XXXX, the HOA had no money to maintain the building, and things started to get ugly. Elevators broke, vandalism ensued, trash was n't being collected and electricity was being turned off. It was at this point that I fled my condo and moved into an apartment. Two months later XX/XX/XXXX, the City of XXXX - for the first time in the history of the city - came in and condemned the building while occupants were still living in it. All units and building entrances were boarded up and the building has been in that state since then. I note that to this day, the City of XXXX has not given me anything in writing regarding the condemnation. When I went to the Dept of Unsafe Buildings XX/XX/XXXX at XXXX City Hall, I was told that they did n't condemn the building! Not sure who did, but this is what I 've had to work with. My original loan with XXXX XXXX Mortgage, who was also charged with fraud in a number of other projects they did ( XXXX ) was sold to XXXX, which eventually became XXXX XXXX XXXX . XXXX XXXX XXXX held the note on my condo for six years and although I repeatedly tried to enter into a deed-in-lieu of foreclosure process, the bank was unwilling to assist. XX/XX/XXXX, XXXX XXXX XXXX sold my note to Carrington Mortgage Services, which then tried to foreclose on me XX/XX/XXXX. For some reason, the foreclosure was thrown out by the judge in court, so the process went to a standstill yet again. It is now XX/XX/XXXX. I have been trying to foreclose or do a deed-in-lieu of foreclosure for NINE years. This process has caused immeasurable amounts of XXXX, has all but destroyed my credit, and has made it impossible for me to buy a home. While I have tried repeatedly to work with Carrington Mortgage Services regarding a deed-in-lieu, they continue to be unhelpful and uninformed. They call me every other week to ask when I am going to pay my debt. They mail me bills every other week as well. I can not pay off a mortgage that is tied to condemned asset as it can not be lived in, rented or sold. I am desperate for help and no longer know where to turn. Please assist if you are able.
09/09/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 37066
Web
My loan was being held by XXXX XXXX and was deferred by the COVID Relief legislation passed by the US Government. after 18 months, we began the process of repaying our loan, and filing the paperwork to go through the legally allowed steps to move our deferred payments to the end of our loan period. At the same time our repayments started ( XX/XX/XXXX ) and the loan modification paperwork was started, our loan was transferred to Carrington Mortgage. We paid our payments every month as they tried to transition our payments and modification paperwork, and every month when we called they told us they were still trying to get the paperwork straight. In summer of XXXX I was in an automobile accident and my car was a total loss, so I went to replace my car. At that point, I was told my credit score was so low I did not qualify for a car loan. Without time to deal with tracing why and how, I bought a beater car. in XXXX, I went to pay my mortgage with Carrington and they told me I had over {$700.00} in late fees. The representative could not tell me what they were for. They claimed it looked like they had been there since before they took over my mortgage. The credit score the car salesman had pulled up said it looked like I had a foreclosure on my credit report. I assumed it was something to do with the transfer of my loan but had not had the chance to deal with taking hours of my day to deal with contacting a labyrinth of financial bureaus while working two jobs. by the next month, we had tried to make another payment but Carrington applied our payment towards the late fees we didn't owe and told us the only way to contest the late fees was to pay them, contest my credit score with all three credit bureaus, and send a letter to a po box with my credit reports, and wait 30-60 days for a reply. Today, when we had made a partial {$80.00} payment last night and clicked " pay towards principal '' in the app, they took all back fees and payments ( totaling over {$1500.00} ) they claimed we had owed out of the bank account, and refused to believe there was an issue with the app, overdrafting our bank account. When I pulled my credit report last night with the three credit bureaus, I discovered that it was Carrington that had misreported my payments as late up until the beginning of summer XXXX, as much as 180 days late. This would explain the XXXX point drop in my credit score, and the {$750.00} in late fees they are claiming we owe. We have never been late with a payment with them, ever. Every time we have called we have gotten a different story and have been put off to a different date with a different reason.
09/21/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20748
Web
Back in XXXX XXXX, I sent a complaint about the XXXX mortgage companies that I have been dealing with, XXXX XXXX XXXX and Carrington Mortgage. My loan was sold from XXXX to Carrington Home mortgage. The most up to date documentation received from Carrington Mortgage has become a conflict. Last year Carrington Mtg stated we owed them {$32000.00}, ( from XXXX the previous lien holder ) and after I contacted your office I received information that Carrington mortgage would accommodate the modification that XXXX had started. We obtained a lawyer and paid {$4000.00} for services for the loan modification with Carrington. The lawyer worked with Carrington from XXXX XXXX until XXXX XXXX, at that time we received the loan modification from Carrington. The pre trial payments begin for three months which were all sent to Carrington 's office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX. The four payments after that and the last payment was forwarded to the lawyers office which was the same address the other XXXX payments previously sent. We contacted Carrington mortgage and was told that they could not speak with us because we had a lawyer. When I finally spoke with someone he stated that he saw the payments from XX/XX/XXXX-XX/XX/XXXX in the system but they had not posted to the account because we have a government loan and asked me to send the bank statement to show check payment and amounts paid. I was then told to contact the case manager XXXX of Carrington but have not been dignified with a response since XXXX XXXX, XXXX. As of today Monday XXXX XXXX, I have not been able to contact the case manager of Carrington mortgage and the lawyers office of XXXX XXXX XXXX ( XXXX XXXX XXXX ) will not answer my calls. XXXX. I have been pondering the many different dates, amounts due and the recent foreclosure notice received stating the dates owed is XXXX XXXX to XXXX XXXX when we started the trial payment in XXXX XXXX and made the payments through XXXX XXXX. I have tried everything the correct way and returning to your office for the third time. Please help us save our home. In brief XXXX sold the loan to Carrington mortgage for {$260000.00} after modifying the loan to {$180000.00} the Obama bailout paid off the loan, Carrington mortgage modified the mortgage at {$180000.00} with a payment {$1200.00} stating we owe {$30000.00}. Here are the numbers and dates that are in question:1. XXXX XXXX, {$30000.00}. XX/XX/XXXX-XX/XX/XXXX {$10000.00}. XX/XX/XXXX-XX/XX/XXXX $ XXXXA foreclosure notice was sent in XXXX XXXX dated for XXXX XXXX {$12000.00} but checks were cashed from for XX/XX/XXXX-XX/XX/XXXX.
02/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98312
Web
XXXX XXXX XXXX XXXX XXXX/Carrington Mortgage Service is denying me a loan modification. I have had a medical hardship which temporarily reduced my income. They say that an investor or group of investors wont approve my loan modification request even though I have enough income to pay my monthly mortgage payment and had been paying a payment each month demonstrating my ability to pay. Apparently XXXX XXXX XXXX XXXX XXXX XXXX is the trustee for the investors. I would like both of these companies to be contacted about my complaint. I believe Carrington is a dishonest servicing company based on the misinformation they have given me and failure to provide responses in a timely manner as required by law. My second major issue is they have failed to have a face to face meeting with me or respond to my letter requesting that. I spoke with them on XX/XX/XXXX and they verbally tried to discourage me from a meeting, saying the meeting would do no more for me than what I could do by phone. I pushed for a response to my written request and was placed on hold while a manager was contacted. I could not speak to the manager and was told the same thing again and also that I would have to drive 200 miles for the meeting that they would not come to me. I said fine, I continue to request the meeting. The gal said she would give another message to her manager and they would call me but if I didnt answer wouldnt leave a message. I do not know who my actual mortgage holder is and can not make any headway with Carrington in order to save my home. I have a substantial amount of money to pay towards the past due, but they refuse to negotiate. The only option they have given me is to pay XXXX on the XX/XX/XXXX but they cant guarantee they will accept that after that or tell me how long I have to pay that amount. I almost have that total amount and will have it on the XX/XX/XXXX and will attempt to get them to accept it. They are shady and dishonest and havent been following their own information and timelines they provide in writing. The servicer also changed the terms of my original mortgage holder and started refusing to accept late payments on different terms than the original mortgage holder did. They also failed to pay my taxes on the property for one of the parcels and then when I found out they raised my monthly mortgage payment to make up for their mistake. I would also like a copy of the note or deed for my home that shows who supposedly owns it now. My mortgage had changed hands so many hands I no longer no who I actually owe the money to and how to contact them. I really need help dealing with them.
12/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • PR
  • 009XX
Web
The reason I'm doing this claim is because Carrington Mortgage Services is asking me to continue paying a mortgage that was paid on full on XX/XX/XXXXXXXX XXXX XXXX XXXX Here is the summary ; The mortgage loan ( # XXXX ) was paid in full as part of a XXXX XXXX XXXX process of the property ( XXXX XXXX XXXX XXXX XXXX XXXX ), that was leaded and executed by XXXX XXXX XXXX XXXX XXXX XXXX the Cancelation Balance of the Mortgage occurred on XX/XX/XXXX of XXXX, at the XXXX XXXX XXXX of XXXX XXXX XXXX. The payment was made by the XXXX that was in charge of officializing the XXXX XXXX XXXX. Im including evidence of the payment transaction which was provided to me by the same XXXX, and who is still responsible for receiving the cancellation note of reference mortgage loan. For some reason, that process was not completed by XXXX XXXX XXXX XXXX. The payment to XXXX XXXX XXXX XXXX XXXX XXXX ) was for the amount of {$45000.00}, which was the same amount required by XXXX in their Cancellation Balance Letter that was sent to me requested on XX/XX/2022. The letter described a Cancellation Balance Amount of {$45000.00}, and that it was effective until XX/XX/2022. Im including evidence # XXXX of the XXXX Cancellation Balance Letter that establishes the total amount for the pre-payment of the mortgage loan. Please note that the payment was made through XXXX because the XXXX XXXX XXXX XXXX XXXX ( XXXX ) office in XXXX XXXX XXXX. didnt receive the payment in person because it was closed as part of the measures taken by XXXX XXXX response to the XXXXXXXX XXXX XXXXXXXX established an alternative process to make payments to them through XXXX, and that was the alternative taken by the XXXX representing the XXXX XXXX XXXX process leaded by XXXX XXXX XXXX They were responsible of making that payment, which was done on time on XX/XX/XXXXXXXX XXXX XXXX and following specific instructions from XXXX. Im including evidence of a XXXX XXXX XXXX XXXX XXXX XXXX ) that was of the front desk of XXXX XXXX XXXX XXXX, showing the specific instructions for mortgagors to make payments to XXXX in any XXXX branch office in XXXX XXXX. I called Carrington XXXX XXXXXX/XX/2022, because I never received any answer to my last letter, and the person told me I have a balance on my account of {$4100.00}, but the strange thing is that I'm also receiving XXXX Mortgage Statements from Carrington, that said I need to pay {$1000.00} ( The last one was received on XX/XX/2022. ) with is very confusing. I'm including all the evidence I have since I wrote a letter to Carrington Mortgage Services asking to open an inquiry about my case.
08/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60620
Web Servicemember
To whom it may concern, Carrington Mortgage acquired my VA home loan from XXXX XXXX on or about XXXX of XXXX. Since Carrington acquired my mortgage, they have increased my payment by XXXX percent. I have diligently attempted to work with customer service and the Escrow Department since XXXX of XXXX, in an attempt to remedy the predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me. On XX/XX/XXXX, Carrington Mortgage arbitrarily paid an annual premium to ( {$8.00}, XXXX ) to XXXX XXXX from my Escrow Account ( depleting my escrow reserve ) without my consent, which in turn changed my homeowner insurance to a non-escrowed/directly billed account ). See Proof of Homeowner Insurance. Consequentially, due to their negligence or oversight, their mistake has caused my account to go into a negative escrow which raised my monthly payment significantly. Furthermore, Carrington mortgage is not paying my insurance premium monthly, whereas the annual premium has been paid thru XX/XX/XXXX, but Carrington Mortgage is still charging me monthly. Therefore, I am requesting the following remedies for my pain and suffering : 1. Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ; 2. Carrington Mortgage waive all late fees from XX/XX/XXXX through XX/XX/XXXXXXXX and issue a credit to my account ; 3. Carrington Mortgage update the payee portal on your website to reflect my accurate monthly mortgage amount ( {$1.00}, XXXX ) ; 4. Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, XXXX ) ; and 5. Carrington Mortgage in good faith provide me with a XXXX ( XXXX ) month payment exemption ( settlement amount {$16.00}, XXXX ) for my pain and suffering. If you have any questions, please call me at ( XXXX ) XXXX or email : XXXX. I have attached the following evidence for your review :
03/11/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27215
Web
On XX/XX/XXXX, I called and talked to Carrington about my complaint. I was on the phone with them for almost 2 hours. While talking with the representative, I was told there was nothing they could do for me. I asked to speak with a manger, who also reviewed information with me but stated there wasn't anything they could do. My mortgage was transferred from Carrington to XXXX XXXX in XXXX of XXXX. When it was transferred, I was told by XXXX XXXX that I was a few payment behind. I called Carrington then and was told there was nothing I could do. Now, a year later, I am trying to do something with my mortgage and Carrington is not helping me. They have falsely reported multiple lates to my credit report. I can tried to dispute this and cant get anywhere with them. I have proof of the payments from my bank account. I also have a history from Carrington showing payments being made or paying extra. They told me the extra money would be put in a " bucket '' when I had enough for an extra payment, they would apply it. So essentially I thought I was a few payments ahead. I was also told by the rep on XXXX that a payment isnt considered late until its 20 days late. After reviewing the file, she didn't see where I had been 20 days late on a payment! You can see in the payment history, there is unapplied funds just sitting there. I never got those funds back and they were never transferred to XXXX XXXX, per XXXX XXXX. Where did my funds go? How much money did I pay extra and not get back or transferred to XXXX XXXX? How much do they owe me? While talking with Carrington for almost 2 hours on XXXX the rep agreed that this was " a mess, it was all screwed up and it looked as if Carrington had put lates on my credit for no reason '' ( reps words not mine ) but even though she felt that way, there wasn't anything she could do to help me because the account was no longer with Carrington. Per XXXX XXXX, Carrington continued to report lates on my credit after I was no longer with Carrington and it had been transferred to XXXX XXXX. They acted as if the loan with still with them and reported lates and it wasn't with Carrington anymore. Due to all of this, I am unable to do anything with my mortgage due to all the lates that were reported incorrectly and falsely! I have done a lot of research and it appears this is a known issue with Carrington and we need to get this stopped. Also, because of all of this, I have been paying extra each month to " catch up the payments '' with XXXX because they have to go off of what Carrington provides them, which was that I was behind a payment or two.
01/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 91321
Web Servicemember
Since XXXX, my mortgage was originally with XXXX XXXX XXXX XXXX. I had a series of hardships I experienced in addition to loss of income during COVID. My mortgage payments fell drastically behind that in XXXX of XXXX, I was almost up to {$68000.00} dollars behind in payments. I had attempted to make payments however they would send my money back. XXXX XXXX stated I had to go through loss mitigation processes which I kept submitting paperwork to no decision ( even when they said it would take 30 days ). In late XXXX of XXXX, I was informed that my loan was transferred to Carrington Mortgage Services. When I contacted Carrington, they had explained I was in pre-foreclosure and to submit a new loss mitigation packet with them. I had explained to them at this time that I had actively been in a loss mitigation process with XXXX XXXX when my mortgage was transferred again. I set out to compile on the necessary documents to restart the loss Mitigation process with Carrington. On XX/XX/XXXX, I contacted Carrington to ask about my application. They stated I was in active foreclosure with a sale date of XX/XX/XXXX which is less than a month away. I asked what had happened so fast and they informed me that I had been in active foreclosure since XXXX of XXXX. They told me I received process sever paperwork. I or my husband never received process server paperwork and was never informed I was in an active foreclosure. They did not explain the process to me. I asked what my options were and they did not tell me anything other than to fill out the loss mitigation package or contact mortgage assistance relief fund. I knew that the loss Mitigation package halts the foreclosure however they told me that if underwriting determined I was not eligible for any options, the foreclosure auction sale date would still stand. I was adamant about not going into bankruptcy or being foreclosed on and was not given any information or options. I had no choice and was forced to make the decision to sell my home. They have withheld giving me and my realtor my payoff quote saying they need to get it from the attorney and that Im being charged an excessive amount of fees. Also I never received the notice about the auction date for XX/XX/XXXX. I found out about it because the cleaning lady was served papers from the HOA saying we were served for foreclosure auction. This process has caused us much distress but we are going out best to save our financial lives out of this mess. They claimed to want to be of assistance when in fact they were not providing information that I was already in active foreclosure.
02/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 493XX
Web
The mortgage was purchased by Carrington Mortgage on XX/XX/XXXX ( transferred to Carrington Mortgage on XX/XX/XXXX ) from XXXX XXXX XXXX. We paid XXXX XXXX XXXX the XXXX payment of {$1800.00} on XX/XX/XXXX with it showing as accepted by a transactions document ( sent from XXXX XXXX XXXX ) on XX/XX/XXXX. Carrington mortgage, who we did not send a payment to until XXXX, is stating they did not receive XXXX 's payment due to a return for non sufficient funds, which is false, because we did not submit a payment to Carrington Mortgage until XXXX of XXXX. We have contacted XXXX XXXX XXXX and they say everything is good on their end, they received XXXX 's payment. Carrington does not see it at way and we have sent the documents to Carrington Mortgage from Amerifirst showing that the payment was accepted. We did not receive notification from Carrington on this matter, I caught it when I went to pay XXXX 's payment to Carrington that we were overdue for XXXX 's payment. Being it is a transfer of a mortgage, we had 60 days of no credit reporting/late fees according Carrington. We submitted documentation via email of history of transactions from XXXX to Carrington on XX/XX/XXXX via email with bank statements showing the payment as valid. They stated it would take XXXX business days to credit our account if the investigation was valid. We paid 2 payments on XX/XX/XXXX in the amounts of {$1800.00} for each payment to cover XXXX ( which really was not late but was in investigation still according to Carrington, who said over the phone they would credit the Payment of XXXX after investigation ) and XXXX payments. XXXX received a credit, via over the phone we were told, and then we paid XXXX 's payment on XX/XX/XXXX in the amount of {$1800.00}. In XXXX, we had a hit on our credit for XXXX being past due by over 30 days, because the credit did not happen according to " payment history '' on Carrington 's website. They then applied XXXX 's payment to XXXX 's payment. Every time we call, they seem to be lost at what has happened and do not see conversations logged in their system. We paid, what we consider XXXX 's payment on XX/XX/XXXX in the amount of {$1900.00} ( payment increased due to escrow increase ), which they will I assume apply to XXXX 's payment, which will also hit our credit report due to be " 30 days late '' according to Carrington. So now, we will have two reports on our credit report showing " 30 days late '' due to their inability to apply payments correctly, along with communicate to XXXX on the matter, even though I have given them proper documentation from XXXX.
07/12/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 10459
Web
XXXX XXXX XXXX XXXX Fax : XXXX XXXX Contacted me offering to lower my home mortgage interest rate. months after XXXX mortgage stopped all communications with me and stopped my online account access for me to pay my mortgage. XXXX XXXX XXXX informed me to start making them payments. That my new mortgage was {$1500.00} a month. After paying XXXX XXXX XXXX for almost 2 years. XXXX I formed me that Carrington would take over my mortgage Carrington mortgage services LLC XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Carrington tells me that I need to start making payments to them starting XX/XX/2023 After calling Carrington to ask why I dont have statements online for me to see They informed me that my loan remodification application was being cancelled. I asked them if the loan re modification was to lower my interest rate like XXXX XXXX XXXX informed me. Carrington tells me that the loan re modification is because I owe almost 2 years of mortgage I sent Carrington all the payments I made to XXXX XXXX XXXX Carrington Informed me they do not know who XXXX XXXX XXXX is BUt in all the letters Carrington sent me XXXX XXXX XXXX name was on it How can they claim they do not know who they are I called Carrington about a week ago asking what is going on with my mortgage since I havent heard from them They informed me on Friday that my home was in foreclosure They did not want to give me any more information I asked for the lawyer information that they were using for the foreclosure Carrington informed me they did not have that information They told me I had to go to county to find out for information After arguing with them for 20 minutes They decided to give me the lawyer information Carrington after giving me the lawyer information Asked me not to call the lawyer Since Im suspicious of everything going on On Monday I called the foreclosure lawyer At this law office XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was informed by this law office that Carrington just put the foreclosure on hold and she was not able to provide me with no other information I need this to be investigated I seem to be scammed by XXXX XXXX XXXX And Carrington and XXXX seems to be aware and working together with these people to take my home I want to know what lawyer I can trust and call to look into this matter After being scammed now they want to put my home in foreclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called XXXX and made an application to chase during the pandemic to lower my interest rate and they ignore me I also requested a refinance and I was also ignored
10/20/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48507
Web
As refrence prior complaint XXXX in regards to FCRA none of these issues have been corrected per a response from Carrington Mortgage dated XX/XX/XXXX by referencing CFPB that they could supress info 60 days after a QWR derogatory reporting began on my account on XX/XX/XXXX I had not submitted a QWR until XX/XX/XXXX and there after only on the dates of XXXX, and XX/XX/XXXX of XXXX so as it stands my FCRA should have been accurate by XX/XX/XXXX it's not and in fact by their own admission the XX/XX/XXXX payment that was reversed was reported a missed payment when that was false.On XX/XX/XXXX I made a payment in the amount of XXXX and additional XXXX to Escrow account which dropped my payment to XXXX. With no payment due until XX/XX/XXXX On XX/XX/XXXX I made a payment in the amount of XXXX and an additional XXXX to my Escrow account which then dropped my payment to XXXX with the next due date of XXXX a response letter sent to the Department of Financial Services and myself dated XX/XX/XXXX that they didn't submit in full detail to CFPB pg XXXX states they added XXXX to my XXXX payment.Which is false the payment on XXXX in the amount of XXXX was all that was due there was no necessity to add anything per the additional Escrow payment on XXXX the account was paid in advance on XXXX no payment was due until XXXX in the amount of XXXX due to the additional XXXX paid to Escrow account. Carrington Mortgage Services has not added any funds to any monthly payment nor was it necessary to do so no amount of XXXX was due. Per pg 3 of the response on XX/XX/XXXX it was stated my taxes were projected at XXXX used to calculate my Escrow payment which was inaccurate as well my taxes were XXXX paid on XXXXPage 3 of response dated XX/XX/XXXX also references XXXX being placed in suspense on XX/XX/XXXX for which a falsified proof of claim was submitted to Federal Court on XX/XX/XXXX when all my account information per their own website showed the account not only current but paid in advance as well as monthly statements reflect corresponding information. FHA/HUD have also reviewed the loan/account and confirmed paid in advance on XXXXOn XXXX as well per Carrington Mortgage Services response that XXXX was attempted to be reapplied without success when no reversals alterations or were ever necessary my information should have remained in a factual state.To add insult to injury a full correction should have occurred on XX/XX/XXXX per the Carrington Mortgage Services response letter dated XX/XX/XXXX now another letter dated XX/XX/XXXX asking an additional 7-10 days is beyond comprehension.
06/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • HI
  • 96818
Web Servicemember
Carrington Mortgage Services would not accept our request for an audit inquiry on our mortgage account. We sent them a letter requesting an audit and inquired about why our mortgage principle amount was still high. We had our home for more than 12 years and based on the principle amount we only paid down less than {$5000.00} which is very questionable to us. When we wrote and inquired via Carrington Mortgage Services they returned our letter. We even called many times, documented in many phone calls to the company regarding our inquiry. All we were told is to write a letter and send it to research. When we wrote the letter, spent money and faxed in the letter they returned the letter stating that they will not accept the letter from us. If we 've been paying a mortgage for more than 12 years, that principle amount should be less but somehow all our money is going towards interests and fees in which we did not authorize. Disclosure of information is a problem. We asked several times for customer advocacy to file our formal complaints, customer services representatives would say that there is no customer advocacy, they handle the complaints. When we called back and asked again, other reps would give us the advocacy department email and phone number. Why did previous reps lied to us. We were told when we defaulted not to send in any payments, payments we sent in will be returned to us in the mail. We waited for a month on the returned payment and nothing was returned to us. Another misinformation. Carrington Mortgage Services opened up an account with unapplied funds that we paid to pay our loan. These funds were left in a separate account that we were not aware of. We were told the funds will be applied to the loan so it 's been sitting in the unapplied account funds for very long time but it is for our loan. The purpose of the funds is to pay our loan not to be sitting on the side and not used to pay the loan. This to us is fraudulent practice since Carrington Mortgage Services is holding our money and not apply it to our loan. Misinformation from representatives. Representative would hand up the phone when they ca n't answer our questions. When calls are dropped they do n't have the courtesy to call us back although you spent almost an hour with them on the phone. It is very unprofessional. It creates frustration and angers you as a customer when you had to call back and repeat what was said to the previous representative. Their recording says, " Customer Care '' but caring for customers is not carried out by their business practices which is very unprofessional.
05/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TN
  • 385XX
Web Servicemember
On XXXX XXXX , 2017 I contacted the company Carrington Mortgage Services to request a payoff notice and also verify we could sell the property. I was informed that I would receive the information via email shortly and that the actual legitimate information woukd come in the mail. The one that came in the mail would be the one used for the title company and otherwise. When I received that paperwork in the mail on the XX/XX/XXXX I then passed it on to my realtor and title company so they would know the payoff. I was also told that information was valid for 30 days after I received it in the mail, which would mean it was valid until XXXX XXXX , 2017. A few days before closing I called to make sure that the information I had was valid and that all the numbers still matched. They refused to speak with me or my wife. Stated that we had the information and that we were n't to bother them again. So the title company did up the interest amount a smidge just to be on the safe side. We sent the payoff amount on XXXX XXXX , 2017 to the company. When we did n't receive any returns, email, or phone calls we assumed we were done and it was over. We were wrong. Monday the XXXX , 2017 they returned the payoff stating that we owed XXXX more than what we sent. I spent 3 days trying to speak with the company and they refused to speak to us. Finally, I was able to speak with someone, the woman I spoke to said she would send a new payoff notice and it woukd state we were XXXX short. I never received it. So I called back. They informed me that if I continued to contact them they would have me arrested for harrassment, just for calling to find out about our payoff on our mortgage. I received the new payoff yesterday, XXXX XXXX , 2017 , and they have changed the payoff to state that we owed almos t 1800 dollars. I called the company again. They have informed me that they will not speak with me or my wife. They will not tell me what the changes were for and why the added price. They have stated that they wo n't and do n't have to give me any information. My wife is the owner of the house per a probated will and we have shown them these papers proving it at least 4 times. My realtor has proof of it. They still wo n't speak to my wife at all. They have continued to force us to own this house for almost a month now. They wo n't let us pay them because supposedly we are n't paying the right amount, however we have asked for the right amount repeatedly. Please help us. They are continuing to extort more money from us. Everytime it is more but with no explanation.
01/19/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 917XX
Web
Covid Loan Modification : I originally was informed about Covid loan modification in XXXX XXXX I was informed that the months that had not been paid ( approx 12 ) would be added to the back of the loan. I applied in XX/XX/XXXX and despite calling consistently for updates, did not receive a response until XXXX XXXX The modification added 15 years to the loan. I spoke to customer service who initiated a new application according to the original terms I was told in XXXX XXXX This application was approved in XXXX and sent to the wrong address, so I received it 20 days into the 30 day response period.. Additionally it had my ex-spouses name on paperwork, which needed to be removed. Due to receiving the information late ( wrong address ) and the need to update names, I was told the application response period closed. I applied a third time, and the covid modification was denied. I was told underwriters denied the modification because my house burnt down ( information Id given them nearly one year prior ). I asked ( and did not receive ) clarity on how it had been approved prior. I was told about XX/XX/XXXX, that I needed to pay approximately $ XXXX or face foreclosure on XX/XX/XXXX. This caused me significant distress resulting in the need for emergency care. Upon leaving the hospital on XXXX XXXX, I paid the owed amount. I then learned that Carrington had reported the delinquent amount to my credit while I was in the hospital on XXXX Loss Draft : My house burnt down in XXXX XXXX When Carrington received the insurance check they held it, saying that I had a cloudy title. Upon researching the lien number with the county records office and bank, I found that there was nothing tying the debt account ( from another individual ) to my property. Carrington got it wrong, provided no explanation and held my check for nearly 2 months while I had to do the research to figure out their error. This significantly shifted the rebuild process and increased costs due to the time of year ( weather ) and inflation. I can no longer afford to rebuild my home, which will cost me over XXXX XXXX Further their negative credit reporting impacts my ability to purchase. Carringtons misleading Covid modification information, extremely delayed process, wrong address, coupled with misinformation, erroneous cloudy title and a mid-year policy change has resulted in the loss of my house and ability to rebuild or purchase a home with insurance funds. Ultimately they have forced my hand to use insurance funds to pay off the loan and have caused extreme limitations to me securing an actual dwelling.
07/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • 98685
Web
I was laid off for 2.5 months due to covid. My husband 's hours were reduced. When I first got laid off I heard there may be help from mortgage companies. I called my mortgage company ( Carrington ) & they seemed very sympathetic, helpful, & told me I could go into forbearance for 3 months. I was told during forbearance I could make payments or partial payments if I wanted/could. I also received a letter letting me know I would be in forbearance. The letter told me my payments were not being forgiven, which I didn't believe they were. I simply thought they were being added to the end of the loan or postponed for this time during the pandemic. I called yesterday to make a payment as it has been 3 months & I am back to work. I was told that loan forbearance had been automatically extended until XX/XX/2020. When I said we didn't need forbearance any longer as we were both back to work, I was told if I removed forebearance, all the missed payments would be due today & if I could not pay it all, then it would be reported to credit agencies & my loan would be considered delinquent. I was shocked. I asked how in the world forbearance was ever considered a helpful thing to do, if it meant a giant payment would be due in the end. There is no point to it. I was told, I was informed of everything in the letter I received. When I hung up the phone I looked at the forbearance letter & NO WHERE does it say at the end of forebearance all postponed payments are due. If I had understood this was what they were planning to do I would NEVER have agreed to a forbearance. I called again to let Carrington know that my letter does not say all payments are due in full at the end of forbearance. I again asked how forbearance was helpful. The 2nd person I talked to stated that " everyone '' thought payments were going to be added to the end of the loan. That I was not the only one. He told me to try to catch up between now & XXXX, but if I couldn't there would probably be some options available in XXXX to help people who are behind. I feel that Carrington misled me about the details of forebearance thus putting me in a situation where I am " behind '' on mortgage payments. I want to report them for false information & if they received any government bailout money to help people during this crisis, they are absolutely helping NO ONE! I already had a dislike for this company. My loan was with XXXX XXXX, but was sold to Carrington just a few months before the Covid crisis. Carrington 's website is difficult to navigate & they charge you fees to make online payments or phone payments.
08/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 21144
Web Servicemember
I need assistance with keeping my home AND my Servicer may attempt to sell it without due process. I would like your help in resolving an issue with my mortgage servicer. XXXX XXXX XXXX XXXX XXXX XXXX sold my home Loan to Carrington Mortgage Services ( CMS ) in XX/XX/XXXX At the time, I was in the midst of a Loan modification application, I had sent in requested documents but XXXX had not made a determination one way or another. CMS sent me a notice denying my application and giving me an option to appeal by XX/XX/XXXX. However, in the same packet there was another notice informing me that I was approved for Home liquidation options and if I had applied because I wanted to keep my home I have untilXX/XX/XXXXto signify that I am interested in Home Liquidation ( otherwise CMS will put the home in foreclosure and I will no longer have any options open to me like Short sale or Deed in Lieu ). CMS is attempting to railroad me into getting into a liquidation because the date for liquidation options is earlier than for Modification appeal. The reason CMS gave for denying my application for modification is that I did not meet seasoning requirements - the loan has to be at least 12 months old and there have to be at least 4 payments made on the loan. I appealed the decision immediately because my loan was made in XX/XX/XXXXand I have about 60 payments made on the loan. Clearly, I meet the seasoning requirements. Carrington had a gentleman, XXXX from the Escalation team call me and explain that the reason on the letter was not the real reason I was denied and I just did not meet the criteria and the only option I have is to sell the house or hand it to them in a " Deed in Lieu ''. I would also like to add that CMS sent my first mortgage statement to me and increased my mortgage payment by $ XXXX monthly, right out of the gate. It is instructive that the Ohio state Attorney General and Department of Commerce jointly sued CMS alleging it did not provide modifications in the state as required under a XX/XX/XXXXagreement. According to their settlement, CMS will assign a single point of contact at the firm to work with borrowers who apply for a modification. The servicer will also implement a specific timeline for all requests, and it will suspend the foreclosure process while a loan is being evaluated for a workout. Internal reviews will also be set up for denied modifications. CMS also agreed to provide relief to 60 Ohio homeowners that involve loans to which Carrington acquired the servicing rights to in XX/XX/XXXX. CMS has not done any of these things with my loan.
12/13/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MT
  • 59405
Web
Our mortgages was sold by XXXX Mortgage to Carrington Mortgage effective XXXX XXXX, 2016. We were in the process of going through a refinance with a third lender and had to wait until our account was active in Carrington 's system before we could order a payoff. On XXXX XXXX, 2016, I called in, spoke to a rep named XXXX, and ordered an expedited payoff statement, checked the balance of the escrow and requested my automatic payment plan be cancelled since we would be paying off the loan before XXXX XXXX payment was due. I was told the automatic payment plan was not showing up on the system and to call back after XXXX XXXX. I tried to call back on XXXX XXXX, but Carrington was closed. I called on XXXX XXXX, spoke to XXXX and repeated my request to have my payment plan cancelled. After being transferred to another rep, XXXX, he told me I was not on any automatic payment plan, therefore no payment could be drafted on XXXX XXXX. I would have to submit a packet in order to get on an automatic payment plan. Our loan with Carrington paid off in full on XXXX XXXX, 2016. On XXXX XXXX, Carrington autodrafted a payment from my bank account, causing me to become overdrawn and charged an NSF fee. We called into Carrington on XXXX to complain and was told they could n't even see the payment posted to the account and I would need to fax in proof of payment and the NSF fee before they could do anything. I faxed in the requested information. On XXXX XXXX, I received a call stating I would need to sign the letter I had faxed in before they could start anything. I signed the letter and refaxed. On XXXX XXXX, I called in to check on the status of my request. According to XXXX, my request has been closed, but no check had been sent out. Each time I call in, I start over and each time I am told that a refund request takes 14 days to process before a check will be issued and mailed out to us. At this rate, it will be XXXX before I see the money Carrington Mortgage stole from us, if at all. Yes, STOLE. I never gave Carrington Mortgage authorization to autodraft a payment. I called TWICE and revoked the authorization Carrington inherited from XXXX. They stole my money and are making me jump through hoops in order to get it back. What 's to stop them from taking a payment on XXXX XXXX? I ca n't take them at their word. The real kicker? We received a letter from Carrington dated XXXX XXXX, 2016 thanking us for ENROLLING in their automatic payment plan to begin on XXXX XXXX, 2016. The letter was postmarked XXXX XXXX. This is the shadiest mortgage company I have ever dealt with.
01/18/2019 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • KS
  • 672XX
Web Servicemember
Spouse and I purchased a home together in XX/XX/XXXX. We made all the payments on time. In XX/XX/XXXX he became ill. We began the modification process due to his loss of work for medical issues. XXXX XXXX XXXX completely abused us during this process. We sent in every document they requested multiple times. When they would send stuff in the mail, I would fax it to them and over night it to them. I sent everything to them twice. They would ignore our calls, they would assign us to a loan consultant and then they would change it. They would ask for all the documents again, and again. We did this process for 19 months. For 19 months we tried to modify this loan while XXXX XXXX XXXX was busy dual tracking us. In XX/XX/XXXX XXXX was diagnosed with XXXX XXXX XXXX. I had to stop working to care for him. In XX/XX/XXXX XXXX XXXX XXXX told me that they could not communicate with me because the Power of Attorney ( XXXX XXXX ) told them to foreclose on the house because we were no longer interested. XXXX XXXX XXXX should know that a Power of Attorney can not speak for a surviving spouse. I hired XXXX XXXX XXXX XXXX XXXX to help me ( They are terrible too ). They promised to resolve this issue for me. {$12000.00} later, they have done nothing for me. My account is now with Carrington mortgage who also continues to abuse me. I had to pay {$20000.00} our of pocket for storm damage because Carrington will not give me the insurance money for an insurance premium that I solely paid for. The issue is here that I am the original owner of this home. I have been there since XX/XX/XXXX. He served in the XXXX and got XXXX. XXXX had an insurance rider that if he died I got the house free and clear. Now XXXX says no because the account was not in good standing when he died. It was not in good standing because they will not modify the loan. They are too busy dual tracking. I had XXXX credit score now I have XXXX. I had {$80000.00} in the bank, now I have {$20000.00}. I have spent everything I have fighting for this home that is mine. These mortgage company 's have abused me when I just watched my husband die of XXXX. I am being threatened with foreclosure when I have a XXXX year old son. So I work my XXXX off everyday for social services and to raise my child and I get this abuse from these banks and this arbitration services. I feel that I am entitled to all house free and clear, especially after all this abuse. I think these companies should be required to return all the money they have stolen from me. I am really suffering and the bank has done all of this to me.
07/27/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • DC
  • 20011
Web Older American, Servicemember
On XX/XX/2023, I filed a CFPB complaint : XXXX against Carrington Mortgage Services , llc . CFPB received a response to my complaint from Carrington Mortgage on XX/XX/2023. I was never made aware of the XX/XX/2023, Carrington Response to CFPB until XX/XX/2023, delivered to me by XXXX with tracking. Please be advised that CFPB has redefined Complaint : XXXX as follows ; Alias, Complaint ID : XXXX. Apparently, CFPB has made an assumtion that Carrington served a timely copy at the same time of their receipt and immediately closed my case. Yet, as stated in paragraph one, I never received a copy until 3 months later. Otherwise, it would be unlikely that I would have to be filinig this third complaint against Carrington Mortgage. In this case I am charging Carrington Mortgage with a 'Criminal Act of Extortion ' in wrongfull solicitation of {$200.00} from money from me by telephone.the solitci. The first two pages in their response is as follow ; " We assumed that you were lapsed on your homeowners insurance therefore we paid our insurance company to take over as your new homeowners insurance company. Initially having received a letter from this company I called and spoke with one of their employees. I informed her that my homeowners insurance was paid up to date and had sent them receipts. She told me that we have no record of your payment. She went on further to say that if I did not authorize a payment of {$200.00} to Carrington Mortgage that they would move to process the entire loan amount on my property due. With doubt that they actually paid {$200.00} to an insurance company without giving me notice, I surrendered my checking account number to her over the phone. The company now admits in their response that they were wrong to have asked me for this payment. So what is legal argument does Carrington have to not return my money by check? They sent me a letter stating that they had already paid an insurance company on my behalf. I'm not buyiing that as the truth and if unchallenged they are making a lot of money from this homeowners insurance scam. Furthermore, if I don't receive a check from Carrington Mortgage in the amount of {$200.00}, I will take legal action against them as evidenced by this case # XXXX and file a new case against Carrington Mortgage with CFPB. I strongly urge CFPB to advise Carrington Mortgage to send a check payable to XXXX XXXX XXXX, XXXX, in the amount of {$200.00}, before or by close of this now third complaint. If my request is not resolved by this informal request, I will refer it to the next higher level.
11/09/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70065
Web
I have a huge concern and I believe your agency can help me. I have lived in the state of Louisiana for 17 years and I have owned a home in XXXX, LA for 10 years. I am a proud community member who is invested in living my life there. My concern is that I am in danger of losing my home. Carrington Mortgage is the servicer of an FHA loan and they are trying to take my home without giving me a chance to make things right. I am a skilled pipe fitter and have been doing this for 10 years. I work hard and make good money but in early XX/XX/2017 my work hours were significantly reduced. I have had a difficult time ever since. I had to use up my savings to hang on, scrimping where I can but I unfortunately couldnt stretch any farther and I missed my first mortgage payment that XX/XX/XXXX. It was humiliating. I have been trying to get help ever since. I contacted Carrington Mortgage for assistance but was given the run around. I called and called but with no particular person to help me it feels like a never ending task. I sit on hold for long periods of time before I am told I have the wrong person and have to hold again. One person tells me one thing, then another says thats not right. What else am I supposed to do? I imagine my applications sitting on someones desk for weeks without being touched. Do other people have to go through this if they need help? Whatever happened to customer service? I have applied for a modification now many times and each time I was denied and the process would start all over again. Plus I am never told why I am being denied. So frustrating! I cant seem to get a break. Then I was told I qualified for a repayment plan but, after going through the agonizing process of applying for that I was denied for that, too. Who can help me? I have asked to speak with supervisors, managers and anyone with some authority but I get nowhere. I am getting desperate. I really hope you can help me. I am making good money now and I am finally starting to get back on my feet. My sister is now living with me and is helping out with the finances. She is also a hard worker and is committed to helping me keep my house. Together we have a comfortable life and would be devastated to have to move. I know I can make good on this loan if I can just get another chance and have some help in dealing with Carrington mortgage. I am sure there must be laws that protect and help someone like me. I am willing to apply for whatever program would get me started again and follow through with this if there really is hope that I can get the help I need.
06/05/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OR
  • 974XX
Web Servicemember
Today is XX/XX/XXXX this past weekend we received a letter that we were behind on our mortgage. When we looked at our bank statement it showed that we paid the mortgage on XX/XX/XXXX. I looked to see if there had been an issue and the funds returned. I call Carrington Mortgage today. They informed me that they refused, REFUSED my XXXX payment, and let me know that my XXXX mortgage payment was being refused as well. They sent no notice of refusal. I have no notice of how to pay from them. We had had a problem in XXXX and XXXX with our payment being NSF. We were proactive and contacted the company. Is it legal for a company to refuse money without informing the person paying? Is it legal to change payment without contacting the person paying? We had no idea that they would or had done this and did not find out until it was too late. They now have charged us late fees for money that was refused by them. I repeat they refused the auto payment the funds were in our account for XXXX and XXXX without informing us. I have had my mortgage since XXXX and have zero issues. I called my bank because I could not see that the payment was returned. I could not see it because it was returned to us 20 days later, almost a month on XX/XX/XXXX. They have now refused our XXXX payment, which means more late fees. It is a known practice to hold money to put people in precarious positions and force foreclosure. If I had been notified of a new payment method. Not as part of a NSF or my monthly statement, but clear notice of a change we would not be late. This is underhanded and unethical behavior by this company. People should be asked if they want to change their mortgage company. When I look online, I see that this company is well known for being shady. I am a veteran, a mother of XXXX, and a XXXX woman. I will not be quiet about this nefarious behavior. Are there laws about how long they can hold my money, or if they must inform the consumer of significant changes to their account. I recorded all my conversations with them. They stated that they do not send out a notice, they wait for the consumer to find out. That means it is a company practice to be underhanded and force people into late payments and fees. We only learned about all of this weekend. I called them twice today. They could not tell me when my XXXX payment would be returned. My bank, XXXX, told me that it is not normal for payment to be returned by check, and that if they can take electronic payments they can return them that way but choose to return good payments in the slowest way possible.
09/13/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28405
Web
I received a letter from my mortgage company, Carrington Mortgage services , LLC, stating I had an estimated escrow shortage of {$350.00} and if I wanted to prepay that, I could otherwise my monthly mortgages payment would Increase. This happens every year that my mortgage payment increases Whether I pay the estimated escrow amount or not. So I decided to figure out what I was doing wrong and pay that as well to keep my monthly payment t the same. Especially with the pandemic and decrease in income Ive experienced. So I figured out my insurance had also increased $ XXXXmonth which would total to $ XXXXyr. On XX/XX/XXXX I called the mortgage company at XXXX XXXX XXXX XXXX aN spoke with a woman named XXXX. She agreed that my numbers were correct and said I could Prepay a total of {$510.00} towards the escrow therefore the estimated Escrow shortage and the Actual insurance increase would be paid and my monthly mortgage payment would stay the same. She told me to call back on Friday XX/XX/XXXX and check to make sure the escrow analysis was completed and to make sure the payment was the same. I did what she said but XXXX answered the phone and said that this was not possible that I could only preepay the estimated escrow shortage for next year, i could not prepay the extra Insurance increase to keep the monthly mortgage payment from going up. And that I would be getting a refund for the extra {$160.00}. I asked to speak to a supervisor and XXXX came on the line and said the same thing- I asked why would XXXX tell me I could and she said She did not know but she gave me the wrong information. I clarified with her That I coukd pay and ESTIMATED escrow shortage, but I could not pay an ACTUAL. Insurance Increase. ( Which by the way is the same thing just different language - both are increases in my mortgage as you well know. They just word it differently. ) She said no I couldnt bc they dont set the insurance rates. I responded that I knew that but they charge me for them. If its an actual amount that set its much easier to deduct than an estimated amount. She was not budging and was feted nothing else. By the way, on XX/XX/XXXX when I got home from work I had my new bill from the mortgage company, ,which I assume was generated by the escrow analysis that was done on XXXX when I called and made the prepayment. It had the increased New Monthly mortgage payment nicely printed and in my mailbox. Ive yet to receive the refund check for {$160.00}. I will add the paperwork In the order it was received with this complaint. Sincerely, XXXX XXXX
02/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78572
Web
On XX/XX/XXXX I faxed a complaint to Carrington Mortgage due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter. Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period Carrington would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel Carrington is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.
06/30/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • WI
  • 541XX
Web
XX/XX/XXXX our mortgage was transferred from XXXX XXXX to Carrington Mortgage. We started to get all the paperwork regarding the transfer and on XXXX XXXX we got some more information. On the XXXX XXXX at XXXX I called XXXX. The call lasted 6 minutes and 37 seconds. I will be attaching a screenshot of that phone call log that I took on my phone. What I was calling to ask about was how this works as I have never had a mortgage change financial institutions before and there was some verbiage in there about 60 days and I needed to know what that meant. When I asked about this letter and what the numbers meant I was told i had 60 days to make a payment. Which would make it XXXX XXXX my first payment was due. The lady on the phone confirmed and repeated that. So I took that as i did not have to make my first payment until XXXX XXXX. Fast forward to Some time in XXXX and I get a letter that we are past due on our first payment. I then called in to ask about this letter and I explain to this person that I called back in XXXX and was told my first payment was not due until XXXX XXXX. They said that was incorrect and that it is due now. The person on the phone said they would start an investigation into this. I did not hear back for a month. I called back and they said they never found that call on my account. I had to gather all my evidence and send it to XXXX XXXX fax ) which was their research team. I got on XXXX XXXX from their research team that they received my request. It also mentioned that we owed XXXX Soon after I got a letter from their research team saying they can not find my call. We then agreed that i would make payments to catch up and it would go into an unapplied balance and when that unapplied balance reached the amount due it would be used to pay that. So now fast forward to XXXX and me and my wife are trying to buy a car for her that gets better mileage as she will be driving to school a couple times a week. We get our credit report and our score is very low. Turns outs Carrington Mortgage has reported us 3-4 times for being late on payment even though they agreed that would n't be the case as long as i made these payments. This in turn has killed our credit and is stopping the ability for us to get a good loan for a car for my wife to go to school in. I had to borrow money to pay off the rest of the loan now that I know that they will keep reporting me. Carrington Mortgage has lied to me to many times and they are not trustworthy. I do n't believe they have my best interest and hope to get out as soon as I can.
02/07/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • DE
  • 199XX
Web
On XX/XX/XXXX, I received a signed copy of my permanent loan modification in my name only, omitting the co-borrower ( ex-spouse ), that I signed on XX/XX/XXXX. XXXX XXXX XXXXXXXX sent me a request to resign my modification documents on XX/XX/XXXX. These documents included the co-borrower ( ex-spouse ). I was unsure why after having been modified for two years, they would be asking me to resign the same documents or why the co-borrower was placed back onto my mortgage after already being removed. So, I did not sign. XXXX of XXXX did not honor my permanent modification and eventually transferred my loan to Carrington Mortage. As the new servicer Carrington also did not honor my modification from XX/XX/XXXX. I am currently in default but protected under XXXX XXXX Bankruptcy. Carrington Mortage is offering to modify my loan but is refusing to remove the co-borrower 's name or update my legal name, as it changed in XXXX once the divorce was finalized from coborrower. Carrington is demanding that the new modification documents must include the co-borrower, again who was removed from the note in XXXX. Despite providing the same documents I provided XXXX XXXX XXXXXXXX in XXXX which included the divorce decree, property deed, social security card and driver 's license. Carrington says that they would need property division information in order to remove the co-borrower who again was already removed by XXXXXXXX XXXX XXXXXXXX in XXXX. I sent Carrington email on XX/XX/XXXX explaining that we ( myself and co-borrower ) agreement prior to the final divorce decree and that he was removed from the deed on XX/XX/XXXX and the finalized divorced happened on XX/XX/XXXX but they are still insisting that they need property division along with the divorce decree. I also reminded them of the XXXX modification that had removed the co-borrower but and that I don't even know where the co-borrower even lives anymore. In summary, XXXXXXXX XXXX XXXXXXXX never recorded my permanent modification that removed the co-borrower and neither bank has honored my modification resulting in my inability to be modified now. I now have an active application with the HAF program and was given an extremely hard time getting my letter of reinstatement for that application to move to next step in the HAF application process. I had to ask a HAF representative to join in on a three-way call with Carrington. After being on the phone for nearly two hours, Carrington finally connected their XXXX program XXXX with the XXXX representative helping me with my application.
08/01/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • 36867
Web
We applied for a mortgage with Carrington Mortgage on XX/XX/2018. I first was in touch with XXXX XXXX in the XXXX Florida office. As the weeks went by and I tried to get in touch with XXXX XXXX she no longer worked there. They then told me XXXX XXXX took over XXXX XXXX 's files. Once XXXX start taking over the file it was issues of her not returning phone calls and her having an attitude. I put up with XXXX for a month until I can no longer take her attitude and rudeness. I then told her that we no longer wanted to work with her because of her attitude and her professionalism. I explained to her that we were going through enough trying to purchase the home and didn't need anything else to stress me out. I then asked her to pass our file alone to another loan officer who will understand our needs and get the file closed. She advised me that she can not do that she will pass the file to her supervisor which is XXXX XXXX. As weeks went by I called and emailed XXXX and he never responded back. I then XXXX Carrington Mortgage and a couple of loan officers came up I called each loan officer and ask him to put me in touch with XXXX or somebody else that's a supervisor. A week later XXXX called me and said he never got the messages or the emails which I have proof I sent. XXXX advised me that he will be taking over the file to try to get the loan closed. XXXX was very nice for the first couple of days and then he started being un- professional like XXXX not returning phone calls and having an attitude. When I first applied with Carrington Mortgage I explained to them that we were victims of identity theft and someone had stole our identity as we were trying to purchase this house. They advised me that it was okay that I had a fraud affidavit and I have proof that we were a victims of identity theft and they still can close on the house. They also have asked me to turn over the owner finance house that we were living in because we could not afford two mortgages. I did what they advise and I turned the house back over to mr . XXXX which I got it notarized. Mr XXXX said he would give us a couple of months until we were able to close on the house it is now going on XXXX and we will be homeless as of XX/XX/2018. XXXX sometimes call and email my Agent but will not communicate with us as Clients. I feel it's unfair that he sometimes explain what's going on with My Agent but not us. Please help I have a XXXX year old child and I'm so scared we will become homeless on Monday XX/XX/2018. Thanks for your cooperation in this matter.
01/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 91384
Web
I fell behind on my mortgage due to my husband illness and unable to work. He finally was approved for XXXX and we were able to make our XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and late charge payment. We paid two months a head being that his XXXX check was not going to be relieved until XX/XX/XXXX which would allow me to make XX/XX/XXXX payment on time. I spoke to a representative to make sure they quoted me the correct amount to do so. I also requested an escrow analysis being that my escrow account was not setup correctly. My solar payment was supposed to be added as of XX/XX/2016 for XXXX and was not. The rep advise to save the difference in should be paying every month so that when I receive the escrow analysis it would not be a surprise. I then made my payment for {$7800.00} to cover XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment via XXXX. I followed up two days after to make sure it was applied correctly but it wasn'the the money was received but not applied. I spoke to representative who got her manager involve to request the payments to be applied. I called back on XX/XX/XXXX and the automatic system show XX/XX/XXXX payment due. I requested to speak to a live rep who was not able to assist me and transfered me to an account manager. I explained to the account manager my call would probably drop and ask if he can call me back if the call dropped. He said he 'll try. The call drop and no one called me back. I called again and asked to speak to a manager and was transferred to another rep namedo XXXX. I explained the entire story again to XXXX. XXXX said payments were applied to XX/XX/XXXX and XX/XX/XXXX and the rest to escrow shortage. I told him that was not how we made the payment and not what we were told would happen. He then told me he was not a supervisor and he supervisor can request to reverse the payment but my monthly payment would increase. I explained to him that I am aware that the payment would increase as now there is a solar payment added to my I 'm pounds and that why I requested the escrow analysis in the 1st place to have my I 'm pounds reflect the additional payment. I requested to speak with his supervisor. He then said he 'd spoke to her and allowed him to transfer the call. He transferred the call but after the 1st ring tone the call went to voice last name XXXX. I am very frustrated with the way my account is being handled and how I was being mislead. I fell behind due to uncontrollable sercumstances and all I want is to fix my account but no one seems to be professional enough to do so
01/25/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • AZ
  • 85015
Web Older American
On XX/XX/XXXX, I submitted a Carrington Mortgage Assistance Application. On XX/XX/XXXX, Carrington Mortgage Services ( hereafter CMS ) sent me a letter indicating the application was COMPLETE. On XX/XX/XXXX, CMS asked for additional documentation via letter ( specifically 3 documents ). On XX/XX/XXXX, I supplied that documentation via email. On XX/XX/XXXX, CMS notified me via letter the application was INCOMPLETE ( although did not indicate what was lacking ). On XX/XX/XXXX, CMS cancelled the application via letter stating, Carrington did not receive all documents to complete loss mitigation review. You were sent a notification ( s ) outlining the specific timeframe you were required to send them to us. On XX/XX/XXXX, having sent all documentation requested by CMS, I asked via email for clarification on what documents were missing in order to complete the application. I also attached a copy of FHAs announcement of third foreclosure moratorium. I received no response to my inquiry. During this time period, I received Notice of Intent to Foreclose letters monthly, although I continued to pay my Principal and Interest timely. I did not pay the additional amounts listed on my Monthly Mortgage Statement because I disputed the escrow calculations and outstanding amount claimed when Carrington Mortgage inherited/took over my loan servicing. I believe I was only late on one Principal and Interest payment in XX/XX/XXXX. CMS accepted my Principal and Interest payments throughout XXXX. Though, reporting my account as late to the credit bureau. On XX/XX/XXXX, CMS sent me a letter returning my XX/XX/XXXX Principal and Interest check # XXXX, stating I must pay Total Amount Due and the funds must be CERTIFIED FUNDS ONLY. On XX/XX/XXXX, I sent my XXXX Principal and Interest payment to CMS. CMS insists I contact their office to make next payment arrangements. I dont want to be threatened, given ultimatums, or argue with customer service agents that have NO Property Interest in my home. CMS representatives WILL NOT HELP homeowners. Any interaction with CMS should be conducted in writing providing both parties documentation. Here, I assert my Mortgage Assistance Application was COMPLETE as of XX/XX/XXXX. The irrelevant and duplicative yet provided information CMS requested after-the-fact was not needed to process my application but instead required for purposes to stall/deny my timely request. ( I have the documents but I'm sure CMS has the same documentation. If CFPB needs any aforementioned documents please let me know )
09/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • Fees or costs after closing
  • SC
  • 29720
Web
In XXXX I purchased my home, which was ultimately serviced by Carrington Mortgage Company. No major issues until XXXX. In XXXX, my family had challenges during the XXXX shutdown, where I applied for the CARES ACT to get a short forbearance on my mortgage payments. This was approved and the forbearance lasted a period of 3 months ( XXXX, XXXX, XXXX ) for a total amount of {$7300.00}. I selected the repayment option of a XXXX mortgage to be paid once the first mortgage is paid in full or at the time of the sale of the home. In XXXX of XXXX, I made the decision to sell my home. The home sold XX/XX/XXXX attorney closing in the state of SC. The attorneys worked with Carrington to get the full payoff amount. The titled cleared, mortgage paid, home sold. I went under contract to purchase a new home XXXX XXXX. The XXXX XXXX, XXXX I received a demand letter from the XXXX XXXX XXXX HUD for a delinquency amount of debt. The letter stated this was for {$7300.00} due for collection plus an additional penalty for administrative fees because the debt was delinquent. This was the amount from the XXXX mortgage that shouldve been paid at the time the home was sold in XXXX. I was never informed by XXXX it was unpaid. It was handed to HUD as a delinquency and I had no knowledge. The XXXX XXXX of HUD reported this debt as I was in final underwriting for my new home. It was reported to all credit agencies and appeared as a trade-line the day before my closing. Given it was reported as a delinquent account and coming from the XXXX government attached to a mortgage ( the house sold in XXXX ), the lender pulled out and I lost funding for my home. XXXX worked with a mortgage broker to scramble to find a new lender. It took a month to secure funding and close on the new home. It cost me an additional $ XXXX in lender fees, instead of a 5.5 % interest rate I am paying 9.58 % interest ( thats over {$2000.00} more a month for my mortgage )! In addition to mortgage cost, I had to pay more than XXXX in fees to the builder for going beyond the closing date, fees for storage, fees to the apartment to extend our stay ( or else be homeless ), lost money for moving company depositsthe list goes on. All of this was due to Carrington failing to fully disclose the full payoff amount for the sale of my home. This also couldve been avoided if Carrington had informed me of the miscalculation. {$7300.00} and Carrington caused me financial loss, mental anguish, and nearly cost me everything! Please help stop this from happening to someone else.
09/12/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
Web
I sent total amount due to XXXX ( {$5100.00} XXXX to reinstate my mortgage on XXXX/XXXX/XXXX. According to XXXX monthly billing statement XXXX/XXXX/XXXX, this amount was due on XXXX/XXXX/XXXX, late after XXXX/XXXX/XXXX. The reinstatement payment should have stopped any foreclosure process. Nowhere on any paperwork from XXXX does it say funds must be secured funds. Meanwhile, XXXX transferred servicing of my mortgage to Carrington Mortgage Svc, but did not stop foreclosure proceeding scheduled for XXXX/XXXX/XXXX. Intuitively, I went to the foreclosure proceedings at XXXX XXXX XXXX 's XXXX foreclosure trustees ) office to make sure that the procedure was halted. I stringently affirmed to XXXX XXXX XXXX that I had paid total reinstatement amount showing them the check stub. XXXX XXXX XXXX employee stated that XXXX had n't informed them and they contacted XXXX. I specifically asked XXXX XXXX XXXX employee, " So what does this mean? Are you guys going to tack-on a few XXXX more in fees when I 'm already behind, after this? And, is the foreclosure process going to be stopped or not? '' XXXX XXXX XXXX employee said that there should be no additional fees, but that the reinstatement amount had to be paid in " secured funds ''. I told the employee it does n't state that anywhere on the XXXX monthly billing statement or in any paperwork from XXXX. I sent XXXX a check. The XXXX XXXX XXXX employee stated that I would be contacted by them if a new foreclosure date was scheduled because they had to discuss the matter with XXXX. About XXXX/XXXX/XXXX I received a reinstatement notification from Carrington stating that the reinstatement amount was now {$7700.00}. They had indeed added {$2000.00} in fees and {$140.00} in late fees. Furthermore, I inadvertently found out that there is another foreclosure date pending on XXXX/XXXX/XXXX, through a refi solicitation. XXXX XXXX XXXX never contacted me about a new foreclosure date and neither did Carrington Mortgage. Thus, I paid the total due reinstatement fee to XXXX on XXXX, I paid subsequent XXXX mortgage payment to Carrington. XXXX transferred loan servicing to Carrington Mortgage without inform XXXX XXXX XXXX or telling these trustees that I had made the reinstatement payment. The foreclosure would have been conducted on XXXX/XXXX/XXXX if I had not stopped it ( XXXX had time to inform trustees of payment ). Carrington Mortgage XXXX new loan servicer ) has added late fees and XXXX XXXX fees of over {$2000.00}. And, another foreclosure date is pending XXXX/XXXX/XXXX.
10/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • KS
  • 662XX
Web
Carrington Mortgage bought my mortgage earlier this year. They increased my payment due to an increase in the escrow payment - I have no problem with that. However, I did not get notified of the increase. I always pay my mortgage electronically, and always have included more than the amount due. In XXXX, I got a notification from Carrington that they had not received my mortgage payment. I checked my bank records, and they indeed had cashed the electronic payment. When I called to enquire about why they thought they had not received it, they told me that they had increased my payment, that the amount I had paid was insufficient, and that they did not accept partial payments, so it was the same as if I had paid nothing. I made a payment at that time to bring the account up to date but told them I was disputing the {$82.00} late fee - which the Customer Service person said was kept in a separate account anyway. When I tried to change my electronic payment to the new amount, my bank said the payment was already being processed and could n't be changed, so I sent an additional {$100.00} to Carrington to cover the increased mortgage payment. I then changed all subsequent payments to the new amount. I received another letter from Carrington in XXXX saying that they had not received my payment for XXXX. Again, my bank records show that they cashed the original payment and the additional {$100.00} payment. It should be apparent that they now owe me money, as the {$100.00} more than covered the additional escrow increase. I have received numerous additional notifications of non-payment - every month - despite my bank showing that they have cashed the electronic payments for the exact amount required. I have tried to talk to their Customer Service, but it is apparent that the only thing they can do is take a payment over the phone. The first time I called in XXXX, they acknowledged that they had mis-credited my XXXX payments, but I still get notifications of non-payment EVERY month. I have bank statements to prove all of the payments. I have made approximately XXXX calls to their customer service, and they repeatedly put me on hold for XXXX minutes at a time. I 've even had XXXX of them ask me if I can just call back Monday - which I assume is when she would n't be working. When I ask to speak to a supervisor, they dump me into voice mail. I finally tried calling their corporate offices - good luck with finding anyone who has an idea how to resolve this without just calling Customer Service, which is useless.
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91306
Web
Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved Covid-19 forbearance. Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance. Enclosed you will find evidence showing that : 1.We applied for and were approved for a Covid Forbearance for a VA XXXX XXXX XX/XX/XXXX, to XX/XX/XXXX. 2.Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the Covid-19 Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a Covid-19 Forbearance plan. You are not required to make any payments during the Covid-19 Forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the Covid-19 forbearance period. This has caused us considerable damage, emotional distress, and delayed family projects. 3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the Covid Forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 4.Additionally, we were deceived about our repayment options ; Carrington attempted to put us in a loan modification that increased our monthly payment by more than 60 %. 5.Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. Enclosed are the following articles of evidence : 1.The written statement from Carrington Mortgage regarding our approved Covid Forbearance. 2.The mortgage statements with the Forbearance Notice for the months of XXXX, XXXX, and XX/XX/XXXX. XXXX recent copy of our credit report showing the falsely reported lates for XXXX, XXXX, and XX/XX/XXXX. 4.Carringtons attempt to overcharge us for a loan modification. Records of our attempts to resolve the errors.
08/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 614XX
Web
I filed a claim with my Insurance company, XXXX XXXX, in XX/XX/XXXX. The claim was for hail damage to my roof. XXXX XXXX came out, seen the damage and approved the claim. They sent me a check for {$5400.00}. It had my mortgage company too, Carrington Mortgage on the check due to having a current mortgage. I was told to call them once I receive my check to see how I can get the funds. I called Carrington on XX/XX/XXXX and they told me to sign the check, which I was adamant about but XXXX told me that's how it was done. She told me they could only hold the check for 2 days. On XX/XX/XXXX, I called to make sure my check was in the mail due to them receiving it XX/XX/XXXX. They said they are holding the funds, until I send them paperwork. They sent me a packet of papers to fill out after I mailed my signed check to them. They said I needed to get those in then they could give me 25 % of the check to start then they have to come out and make sure I'm doing it. Take in mind, my roof is leaking, so he's it will be done. I'm not that person to take the money and run. I argued and said that they need to train there employees because XXXX failed to tell me any of this. I called XX/XX/XXXX again, my contractor backed out because they haven't had to fill out paperwork and can't start the work with only 25 % down. So my fiancee and step dad talk and agree to get this roof done before any other damage. So on the XXXX I tell them I need the funds so I can get this fixed. They said I don't get the funds until I get a licensed contractor. After arguing and crying, I got no where. The paperwork states if my loan is current, the check is under 15,000, all I need to send them is the estimate from XXXX XXXX, the declaration of intent to repair and the UNENDORSED check. And that I could act as my own contractor so I don't need a licensed contractor unless the check is over 15,000. Well hmmm, they had me sign it, now are refusing to let me fix my roof. The funds are just enough to cover, because my roof isn't big. Another contractor bid was way over the amount I was getting. And other contractors are booked for several months. My roof needs fixed and I need my check. They lied and had me sign it and now are refusing to give me my funds. They can't tell me who can fix my roof, but now they have messed it all up. As of XX/XX/XXXX, they still have the check. They said they could only hold it for 2 days. They are a bunch of scams. I didn't choose this company, they bought out XXXX who I originally had my loan through.
07/11/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 95678
Web Servicemember
XX/XX/XXXX we had to go on covid forbearance and it was approved. when our va covid forbearance ended in XX/XX/XXXX I tried to apply for a streamline loan modification. I lost my job but was receiving social security XXXX for life now. we could afford our mortgage payment but we could not pay the {$79000.00} Carrington Mortgage was demanding from us. I called every week ( I have proof of every person I spoke to ) inquiring about our modification. I uploaded to the Carrington portal and emailed Carrington all the documents they requested. we were denied in XX/XX/XXXX for no reason stated and no one at carrington could give me an answer. I appealed we were denied. I applied for a VA Partial Loan Modification I found from the CareAct on the White House website that we were protected due to a world wide pandemic. We were denied again with no reason given but we could appeal the denial. I did not know how to appeal this with no reason given and no one at Carrington able to help me but I appealed it anyways. We were denied in XX/XX/XXXX and told we were not in the foreclosure process. Carrington reported in XX/XX/XXXX to all credit agencies we were in foreclosure. In XX/XX/XXXX we received a letter that we owed over {$100000.00} to save our home from being foreclosed on XX/XX/XXXX. I called Carrington immediatly and XXXX told we owed attorneys fees, over $ XXXX in interest along with the behind payments and she could not tell me why we were denied despite the CaresAct. We put our home up for sale and I called out VA rep for help XXXX XXXX XXXX and she called her contact at Carrington. Our VA rep emailed me and told me to submit for a VA Partial Claim Modification again. On XX/XX/XXXX I heard from Carrington through the mail and they asked me to submit paystubs to thier email and they will let us know the approval status. On XX/XX/XXXX we were approved for a VA Partial Loan Mod. I received the documents to signed 3 different times because they spelled my name wrong every time. Buy this time our home had a buyer and we were in contract and could not get out of it. Finally on XX/XX/XXXX I receive the corrected loan docs from Carrington and I sign them and XXXX XXXX them back. Its too late - our home is in contract and we are being threatented to be sued by the buyer and our realtor if we dont sell. we are homeless now! I have faxed and pleaded with Carrington to tell me why all of the sudden we were approved with the same exact documentation from 3 times before and denied. they do not respond.
10/28/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • XXXXX
Web
In XX/XX/XXXX our mortgage lien was discharged in bankruptcy. Our original lien holder was XXXX XXXX XXXX XXXX XX/XX/XXXX. It was transferred to XXXX XXXX XXXX just before filing and discharge in XX/XX/XXXX XXXX. Despite the lien being discharged, possession remained in our names. We initially wanted to try and keep the property. As such, we tried to refinance through XXXX XXXX XXXX by submitting ALL required paperwork over 8 times during the next 2 years. In XX/XX/XXXX we experienced a house fire, and our insurance company declared the home a complete loss and paid {$130000.00} to rebuild. We signed the check over to XXXX XXXX XXXX, who then instructed us on processing the claim and beginning the rebuild. We complied with everything they requested and despite many attempts and well documented communication with them, they would never issue any funds to begin the process. Due to the time it has taken to resolve the matter, we now want the property out of our names so that we can move on with our lives and buy a new house. In XX/XX/XXXX XXXX XXXX XXXX sold the mortgage to Carrington Mortgage Services. The insurance funds were wired to Carrington as well. I contacted Carrington and was instructed to submit a request to their Research Dept. so they could look into the matter. The only option to do this was by regular mail, according to Carrington. To help us through this process, we obtained legal counsel and authorized the law firm to represent us in resolving the issue. An authorization was sent to them by the Attorney as well as a request to either allow us to transfer the property to them by way of a Deed-in-Lieu of foreclosure, or to have the lien deemed satisfied and released by applying the insurance funds to the account. The initial contact with Carrington was made XX/XX/XXXX. On XX/XX/XXXX -XX/XX/XXXX, all documentation they requested was submitted to them by the attorney. Each time he contacts them, they initially deny he has authorization to represent me. After 3 attempts each time, they then have told him to call back next week to check the status of the deed-in-lieu application. They have had possession of the account since XX/XX/XXXX, as well as the insurance funds. Neither Carrington nor XXXX XXXX XXXX has handled our account appropriately, and Carrington is continuing to further delay resolution by not cooperating. We were not able to purchase a home this year due to the title of this property still being in our names. It has been 6 years since our bankruptcy.
11/30/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 630XX
Web
My XXXX and I were in the process of applying for mortgage forbearance with Carrington Mortgage LLC. Prior to submitting the official application, I called and spoke with a customer service rep who made it very very clear that we would be approved for the XXXX month mortgage forbearance. She said things along the lines of we will have no issue being approved for the forbearance, and that just about anyone that applies is getting approved. I hope their lines are recorded because it was about a XXXX minute conversation with her guaranteeing this. We ended up being denied, even though we were being affected by covid due to the insane inflation, which has made the cost of our essentials significantly higher than they had ever been. On top of that, we had to have an entire water filtration system and waster softener installed in our home. At the time of the application denial, we were almost XXXX months behind on our mortgage. Instead of a XXXX month forbearance, our application was pushed through to some other solution they call a loan modification. This included XXXX paying a modified mortgage amount of {$300.00} MORE than our current mortgage we were already having a hard time paying. We had to accept this offer or pay XXXX months worth of late mortgage payments. Now we're struggling ever more. We XXXX XXXX qualified for the mortgage forbearance because of the XXXX XXXX and the Economic Impact. To top off the additional {$300.00} extra we're having to pay on our current mortgage, they're not allowing us to pay through their website which leaves me to pay through services like XXXX, XXXX XXXX, and XXXX checks through my bank. All of the fees associated with the services just mentioned add up to another almost {$100.00}, putting us almost {$400.00} over out normal monthly payment we were already unable to make. When I called Carrington after receiving the forbearance decline, they did absolutely nothing about the person who gave me false hope in thinking we would get a short break from our payments. This entire situation has causing significant XXXX XXXX XXXX, even more financial hardship than we were already having, and sending my XXXX and I into a state of XXXX. Carrington made us an insane promise over the phone, let us down, are taking more money from us each month, and they seem more than happy to do it. We have a XXXX year old child we need to take care of, and we feel like we'd been robbed of our right under the XXXX XXXX and are not able to get back onto our feet.
02/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21093
Web
Date of transaction- on going since XXXX XXXX XXXX Amount of money I have paid- {$XXXX} What the business committed to provide you- Carrington said my pay off balance for my house would be {$XXXX}, XXXX XX/XX/XXXX XXXX XXXX then with property tax and insurance included would be a final {$XXXX}, XXXX total, XXXX XXXX who works there told me this in email he said this too. So I have given them an additional {$XXXX} which is interest. So the house should be paid off now and no remaining balance left but still every month they continue to add more money to the pay off balance. They add {$XXXX} every month. Even though underneath the pay off balance it states in the letter they sent me Funds received after XX/XX/XXXX will require an additional {$XXXX} monthly interest. Which is why I paid the {$XXXX} in addition its the interest. Now Carrington sent me a letter XX/XX/XXXX saying my total pay off balance is an additional {$XXXX}!!! It is absolutely absurd. And even when I sent them multiple letters XXXX XXXX told me to fax and they said it would take 4 weeks for them to respond even when I was waiting for a response for them they sent me a foreclosure letter and charged additional money for that!! When my total balance was ONLY {$XXXX} and I was waiting on them to get back to my letter. They sent me a foreclosure letter and charged an additional {$XXXX}!!!! Which is absolutely ridiculous!!! Which all the stuff I am writing now I have faxed letters, emailed talked to them on the phone and still they wont resolve this. At this point I dont owe them anything else! And yet they are still sending letters saying the pay off balance is now {$XXXX}. The business has been awful and theyve been a complete scam when it comes to this and just keep on trying to get more money. Attached I have the letters they have sent, ones I have faxed. If needed I can also send the emails Ive sent to XXXX XXXX. Just yesterday XX/XX/XXXX I paid an additional {$XXXX} I wired and I also sent {$XXXX} which was an automatic payment. Even though I do NOT owe anything I paid this because every month they charge an additional {$XXXX}!!!! So the money that I paid yesterday and anything additional I need paid back to me! Now Carrington owes me {$XXXX}!!! I need this money back ASAP. Carrington has been absolutely awful charging money I do not owe, sending foreclosure letters, when interest monthly is supposed to be about {$XXXX} adding an additional {$XXXX} every month. And on top of that they never respond!!!!
02/01/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 92021
Web
CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX On XXXX/XXXX/XXXX we submitted our authorization to Carrington. We have requested a postponement of their upcoming foreclosure date of XXXX/XXXX/XXXX, as there will be an equity sale that will pay the investor IN FULL. Carrington currently has an opening bid of $ XXXX, which is well below the amount owed to the investor. Please see attached Carrington payoff demand, HUD, Offer, which show this will be an equity sale for Carrington has only had this loan since XX/XX/XXXX.Carrington immediately filed the NOTS on this loan, and has not once contacted the homeowner to discuss foreclosure options. Carrington has not once contacted the homeowner to attempt to do a loan modification. The previous servicer stopped taking payments from her XX/XX/XXXX. The previous servicer, XXXX XXXX XXXX, never attempted to do a workout with the homeowner. Carrington has not once ever contacted the homeowner or informed the homeowner of any Home Retention Options. It is likely that XXXX XXXX XXXX and Carrington BOTH have violated HBR and Federal Servicing guidelines, as neither lender has attempted to do any kind of workout. Carrington took over the file and a NOTS was immediately filed with no contact to the homeowner whatsoever. It is obvious there is FRAUD going on at Carrington, and possibly XXXX XXXX XXXX as well. Carrington is refusing to postpone the sale date to allow the equity sale to take place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels. 1. Carrington forecloses on properties to that they may steal the homeowner 's equity in the property. 2. Carrington forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. Carrington forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves I am sure Carrington is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help. It is my understanding that this is not the 1st time this exact complaint has been made to the CFPB. Carrington, in fact, has done this exact thing with many other homeowners. We would be happy to provide evidence of this upon the CFPB 's request.
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91306
Web
Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved XXXX forbearance. Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance. Enclosed you will find evidence showing that : XXXX. We applied for and were approved for a XXXX XXXX for a VA Loan from XX/XX/XXXX, to XX/XX/XXXX. 2. Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the XXXX Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a XXXX Forbearance plan. You are not required to make any payments during the XXXX forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the XXXX forbearance period. This has caused us considerable damage, emotional distress, and delayed family projects. 3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the XXXX forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 4. Additionally, we were deceived about our repayment options ; Carrington attempted to put us on a loan modification that increased our monthly payment by more than 60 %. 5. Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. Enclosed are the following articles of evidence : 1. The written statement from Carrington Mortgage regarding our approved XXXX Forbearance. 2. The mortgage statements with the XXXX Notice for the months of XXXX, XXXX, and XX/XX/XXXX. 3. A recent copy of our credit report shows the falsely reported late for XXXX, XXXX, and XX/XX/XXXX. 4. Carringtons attempt to overcharge us for a loan modification. Records of our attempts to resolve the errors.
12/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MT
  • 596XX
Web
We started dealing with Carrington Mortgage in about the middle of this summer and ever since they have bought our mortgage from XXXX it has been a complete XXXXXXXX XXXX. The main reason I am filing a complaint, is because of the lack of knowledge this company seems to have to even be capable of dealing with people 's loans. Since XXXX my husband and I have been dealing with issues involving our home insurance. In XXXX we started getting letters from Carrington stating they would be " buying, '' us home insurance at a significant price since our home was not insured. After multiple calls, emails between Carrington and our insurance company XXXX out of XXXX, XXXX, I was told Carrington hadn't uploaded paperwork right to show we had insurance. So I want you to understand, we were getting threatened from Carrington that they were going to buy us home insurance when I kept stating to them we had home insurance and they had been notified by XXXX XXXX XXXX XXXX XXXX we were insured under them. Now, note in XXXX I start getting e-mails from XXXX insurance XXXX our home policy is about to get cancelled because Carrington hasn't payed our policy of {$1300.00}. I e-mail their advocates department because nobody else in their company seems to know what is going on, and when they finally call my husband, they tell them they would be happy to pay the bill if XXXX 's would send them the bill. Excuse me? So now this week, after I have given BOTH companies information to communicate between each other and to get the bill payed, I get an e-mail from XXXXXXXX XXXX our home insurance policy is now pending termination if payment is not received by XX/XX/2023. Yesterday, XXXX XXXXXXXX got a hold of someone, I'm assuming a manager named XXXX, who was very RUDE and I'm assuming new to the position since she couldn't even find the right address for XXXX XXXX to send the payment to and than she said they had been trying to get a hold of XXXX XXXX XXXX for payment who we haven't even been through since this summer. I have more to complain about with this company as I'm sure XXXXXXXX XXXX does XXXX XXXX XXXX out of XXXX, XXXX. I also would like to bring up no over payment checks with our escrow being sent out or our mortgage payment going down with a cheaper insurance... where is all this money going? Hopefully this gets the ball running and I absolutely expect this to get checked into as this has caused us a great amount of stress and undue hardship dealing with this company.
11/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NM
  • 87107
Web Servicemember
We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of XXXX to the credit bureau for our XX/XX/2023 mortgage payment to Carrington Mortgage Services , LLC . We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. We made a mistake and took for granted in thinking the Carrington payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs. It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts. It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of XXXX credit bureau report. Thank you for your consideration, and we hope you will approve our request.
02/24/2018 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • XXXXX
Web Servicemember
Today, I am writing to complain about the allege accounting and servicing transferred to you from XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and my need for a thorough understanding along with clarification of various attempted sales, sale dates, transfers, funding sources, alleged legal but illegal beneficial ownerships, current charges, credits, debits, transactions, reversals, actions, payments and analyses of all records related to the servicing of this account from its origination to the present date. To date, the documents and information I have reviewed from XXXX County ( to include my personal documentation on hand ) and the previous conversations with several XXXX service representatives by the name of XXXX XXXX ( Employee # XXXX ) and personal at Carrington Mortgage LLC. and XXXX XXXX by the name of XXXX XXXX who would not provide his employee number and the many other account managers, in which, I continue to have unproductive, evasive conversations and furthermore, have not answered many of my challenging questions. Im currently in possession of two letter ( one from XXXX and the other from Carrington Mortgage and both letter cancel out one another stating that each other company is the servicer, which has left me very confused ). I was also contacted my XXXX XXXX who stated, he allegedly bought my property for {$250.00}, XXXX ( This is constructive fraud ) and he threatened me and then asked if I wanted to buy my property back. Allegedly, my property was attempted to be sold on XXXX XX/XX/XXXX with a notice that I now have in my possession and then I was told that it allegedly was sold on XXXX XX/XX/XXXX. We had people coming to our home in the middle of the night and throughout the day while my kids were at home and looking in windows and placing notes on our door asking to buy our home a notice of a trustee sale on the day of XXXX XX/XX/XXXX. As it now stands, Im asking that this alleged indebtedness be forgiven or discharge immediately through your booking keeping entries and accounting ledgers etc. In addition, that acknowledgement be presented to me in writing within 30 days of receipt of this compliant and also the removal of any future duress ascertained over the past. It is my current understanding that XXXX XXXX XXXX ( of which your company acquired another mortgage note? ) and now your company may have also been accused of engaging in one or more predatory servicing of lending and servicing schemes that XXXX previously engaged.
04/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92584
Web
I submitted for assistance for a HAMP modification about while I was with XXXX, XXXX XXXX XXXX and now Carrington Mortgage. After many years I finally received an FHA Modification in XX/XX/XXXX. The payment was still high. I was advised that I could appeal which I did, and then after I requested the appeal I was advised that I had to reapply, this was in XX/XX/XXXX. I thought that perhaps I would be able to make a payment, but it truly was going to be a hardship, so I began submitting documents as of XXXX XXXX, XXXX. I sent all of the documents as per the checklist, RMA, TAX returns XXXX and XXXX, XXXX, paystubs, bank statements, Interspousal Transfer, etc. Then when my representative called she was advised that we needed to fill out a new XXXX and check off a little box near my signature. Now today, XXXX from Carrington Mortgage advised that they had received all of my documents but that I needed the documents from XXXX, my ex-wife, when all along I advised that we were separated. Now I am told that I also need an assumption letter ; that I need to fill out a form to have XXXX sign as well to a research center for the bank, and that I would receive the documents so that I could assume the loan. My representative asked the Carrington representative why we were not advised back in XX/XX/XXXX if this new item was added to the list of documents. ( Please see the checklist attached-no where in the list does this requirement appear ). She apologized and continued by adding that FHA can only postpone a trustee sale if documents are completed within 37 days. I now have a Trustee Sale on XXXX XXXX. I waited over 5 years for a modification only to lose my home as a result of faulty information I am receiving. I was not given accurate information by the Carrington representatives. I am told that I can stop the sale by XXXX of XXXX actions : File Bankruptcy, Pay the arrears plus attorneys fees, or be in a disaster area. It seems that the representatives time after time, gave us piece mail information. I am at the risk of losing my home because I was not given the proper information. It seems the banks are doing this to have the homeowners give up. I need the assistance of the CFPB to assist. I feel the representatives at the bank were negligent in advising what really were the proper documents. I am not even given the opportunity of time to have the review nor sell he property via HAFA short sale. Please help me and my family not lose our home via foreclosure.
06/08/2017 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 75081
Web
Me and my spouse live in a community property state where we both equally own our house. Also our house is an exempt property per our state statute. Carrington Mortgage Services is the mortgage lender for our property ( Carrington Mortgage Services, LLC XXXX XXXX XXXX , XXXX , IN XXXX , Phone # XXXX ). After we missed few mortgage payments, my spouse herself filed Chapter XXXX Bankruptcy and all the lenders, including Carrington Mortgage Services, were notified by the court. Pursuant to Chapter XXXX Bankruptcy law, should automatically stay all the collection activities by the lenders. Carrington was fully aware of the stay, but nevertheless, sent a letter of pending acquisition to us few days after filing. When I called Carrington, the agent lied to me and told me that unless and until I file Chapter XXXX Bankruptcy, the foreclosure procedure wo n't stop, since the mortgage is under my name alone. I explained her that since my spouse is the co-owner of the house, the whole house is considered to be Bankruptcy estate since she filed Chapter XXXX Bankruptcy and unless and until Carrington file a motion to lift stay in the Bankruptcy Court and get the motion approved, they can not do that. The agent on the phone completely ignored what I said and threatened me that if I want to keep my house I need to pay immediately. Few days after that Carrington sent me a mail of mortgage loan default on XX/XX/XXXX of 2017. At that time, I again contacted Carrington, and the agent told me that Carrington has already sent me the pre-foreclosure notice and the auction for foreclosure would be on the XX/XX/XXXX of 2017. Th is time Carrington agent provided me the phone number of the attorney that is representing the foreclosure process. The phone number of the attorney is : XXXX . When I asked the name of the attorney, the agent declined to do so. Carrington has sent me three mails and also adding a fake letter from some unknown company who is willing to buy the house. Carrington is continuing with the foreclosure procedure in violation of automatic stay and in violation of our state statute of exempt property and community property law. I even explained Carrington that my spouse and her attorney has proposed a payment plan for 60 months, to catch up with the missed payment and interest accrued by our non-payment. The agents would sometimes threaten with foreclosure and they would sometimes try to tell me the law that does not exist.
11/02/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 21206
Web
On XX/XX/XXXX, I received a letter from my Mortgage company XXXX XXXX XXXX stating that on XX/XX/XXXX my mortgage will transfer to XXXX XXXX. Prior to the change, it was time for my yearly mortgage analysis and my new payment will start on XX/XX/XXXX to XXXX XXXX. I received a letter from XXXX XXXX on Saturday stating that they did another analysis on my mortgage and they discovered that I have an escrow shortage of {$730.00} already with only making two payments ( the last old payment of {$1000.00} for XXXX and one new payment of {$1000.00} for XXXX ) to XXXX XXXX and my new mortgage payment will increase to {$1000.00} beginning XX/XX/XXXX. Upon receiving XXXX XXXX XXXX analysis, they give you two payment options to choose from if there's a shortage. Comparing the current amounts of my taxes, homeowners insurance, and my MIP to my new amounts, my home taxes raised {$8.00} per month ; insurance lowered {$13.00} per month and my MIP lowered {$1.00} per month. This is where I'm having a difficult time understanding why and how if certain items have lowered, why an I short {$5.00} per month. They tell me those are projected amounts ( the amount that could be but its really not as of the present time ). If im already paying a projected amount, why do I have to pay for a " cushion ' as well? It's the same exact thing but worded differently. Not only are they charging me extra money but the form XXXX sent me had incorrect information on there. This needs immediate attention and a new form sent to me with all corrections XXXX. Under the section of the analysis where it states the payment breakdown as of XX/XX/XXXX, XXXX and I both told XXXX ( ID # XXXX ) that the amount and the date were incorrect. {$1000.00} is my new amount as of XX/XX/XXXX. In XXXX, my mortgage was {$1000.00}. XXXX ( XXXX ) proceeded to inform us that they can not change any information on the legal documents and I have to keep the incorrect one. Is there some type of protection for consumers for these types of situations? When I received that letter, I immediately contacted HUD and they directed me to find the number to XXXX where I was assigned to XXXX XXXX. We did all that we could to get them to resolve these problems and there was nothing XXXX ( XXXX ) could do for us. I am writing to ask if there's someone that could assist me concerning this matter? I do not have much time to get this resolved being that my new mortgage starts XX/XX/XXXX. Thank you for your speedy response.
04/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77063
Web
Carrington Mortgage Services , LLC is my mortgage servicer. I have not missed any payments nor been behind on my mortgage payments. The reason I am filing this complaint is that Carrington representatives keep calling me repeatedly telling me that they have some products I may be interested in to refinance the mortgage. My telephone number is on both the state and federal do not call lists. I have also submitted written notices to the credit bureaus to " Opt Out '' of solicitations for credit. In addition, I have told the representatives at Carrington NOT to call me with unsolicited offers to refinance, which is ludicrous anyway because Carrington Mortgage Services , LLC is my mortgage servicer, NOT my lender. I believe I have also sent Carrington Mortgage Services written notice to put me on their internal DO NOT CALL lists. I also record all my inbound and outbound telephone calls, and I have retained all my conversations with Carrington Mortgage Services , LLC regarding this issue. Today I received an unsolicited call from the lender, and the representative identified himself as " XXXX '', and wanted to verify me so that he could give me some important information about my loan. I told him if it's about an offer to refinance I am NOT interested, as I have told them numerous times not to call me with offers to refinance my mortgage. XXXX assured me it was NOT about refinancing the mortgage. He said if I won't give him the information to verify over the phone so that he could talk about it, I could call customer service back if I felt more comfortable calling them. I got hostile with him because I knew he was lying to me. I called the company 's number back, and SURE ENOUGH, the rep was giddy with excitement to let me know that they had some products they thought I would be interested in. I was angry that the company was AGAIN, wasting my time with offers I told them I was NOT interested in. I told them that I am tired of them ignoring my requests and I intend to file a complaint with the CFPB as well as the XXXX XXXX XXXX XXXX XXXX XXXX here in Texas where my property is located. I also told them they shouldn't be calling me anyway, as they are my loan servicer, NOT my mortage lender. I asked to be transferred to a supervisor, but was told that one is not available. I was then left on hold for an interminable amount of time, and then directed to a voice mail. That is when I came here to file this complaint because I am FED UP.
06/16/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 212XX
Web
I was granted forbearance due to COVID-19 as of XX/XX/2020. In general, my mortgage statements since then do not make any sense and I am trying to obtain explanations/clarification as I do not feel bookkeeping of the account is accurate. Below are a list of my grievances. I have tried contacting Carrington Mortgage Services several times over the last 5 business days and, each time, am automatically disconnected after a recorded message stating, " We are unable to assist at this time due to large call volumes ''. 1 ) My XX/XX/2020 statement ( first statement of forbearance ) HAS A LATE FEE OF {$45.00} ON IT. Again, I am in forbearance. 2 ) The XXXX and XX/XX/2020 statements have a DELINQUENCY NOTICE ATTACHED STATING, " YOU ARE LATE ON YOUR MORTGAGE PAYMENTS. FAILURE TO BRING YOUR LOAN CURRENT MAY RESULT IN FEES AND FORECLOSURE - THE LOSS OF YOUR HOME ''. Again, I am in forbearance. 3 ) I have been submitting escrow only payments during forbearance ( as I was previously told was acceptable ), however, there have been " unapplied funds '' on both the XXXX and XX/XX/2020 mortgage statements. The most recent statement ( XXXX ) indicates that previously unapplied funds are being applied to principle, interest, and escrow. 4 ) For some odd reason, both my XXXX and XX/XX/2020 statements show the same amount due ( despite partial payment for escrow only being made ). 5 ) On XX/XX/2020, I submitted a " forbearance update '' online at the request of Carrington. I received an on screen message which stated that the forbearance was being extended by 90 days. I have yet to receive anything formal stating such and in my online account it still shows as forbearance ending on XX/XX/2020. 6 ) In early XX/XX/2020, a Carrington rep told me that I would be informed of what options will be available to me at the end of my forbearance period in XXXX XXXX have still not been informed of what my options are at the end of the forbearance period. Carrington has previously told me that I may be required to pay all missed payments at once at the end of the forbearance. Several of my colleagues and friends have told me that their banks/loan servicers have already informed them of what their options will be at the end of the forbearance ( and it's not repaying all missed payments in full ). In summary, I do not think Carrington is being honest or accurately maintaining my loan. Quite honestly, I think there is some nefarious activity going on.
01/31/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 92021
Web
Carrington Mortgage Services LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/2017 we received a counter offer from Carrington stating they needed $ XXXX net proceeds, which he said we could get from cutting commissions and fees. On XX/XX/2017 Buyer increased their offer and we cut fees to meet that minimum net proceeds of $ XXXX. A price addendum and matching HUD was submitted to Carrington. Today, XX/XX/2017, Carrington issued an approval letter that was higher than their stated minimum net. Carrington further reduced the commission and decided to keep the additional proceeds - over and above the $ XXXX net they told us the buyer needed to meet. We spoke to the negotiator who said she would take it to her manager. When the manager called back he created a whole new story about their minimum required net. During this call the manager made jokes that they would just foreclose on it themselves so they could assign it to their in-house re-sale real estate group and make the commission on it themselves. This is a gross conflict of interest. We also addressed several other issues. Carrington has broken into the home. Carrington has changed the locks. They have stolen caretaker 's personal property. Carrington has removed the Listing agent 's For-Sale signs on the property. Carrington has put one of their own for-sale signs up with their phone number ( this is a violation of state law and tortuous interference of the listing agents Listing Agreement. ) Carrington also put a login sheet in the house and a No-Trespassing Sign on the property. When we confronted the manger about these issues he laughed and pressed us on whether the buyer would cancel the file. If this were a true loss mitigation attempt and not an outright attempt at servicing fraud this would not likely have been his stance. When told we were going to file a CFPB complaint against them, the manager also laughed and said the CFPB ca n't do anything to them. XXXX It 's obvious Carrington intends to push this into foreclosure in order to list the property themselves with their in-house real estate group. This is the exact same thing Carrington did on another short sale we had with them - on which we also filed a CFPB complaint. We would be happy to provide to the CFPB a copy of that complaint as well. The last time Carrington did this a senior VP called and cussed us out for defending our client 's rights, while they committed gross servicing fraud.
08/11/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 33134
Web
On XXXX/XXXX/XXXX we received mortgage servicer, Carrington Mortgage Services ', " HAMP Non-Approval Notice '' dated XXXX/XXXX/XXXX. Carrington Mortgage Services ' denial letter listed the reason for denial as " Application Discrepancy '' ; further described in their letter as " Reasonable evidence exists indicating that you submitted income or other information that is false and/or misleading in connection with your application for a loan modification under HAMP. '' On XXXX XXXX, XXXX, I contacted the assigned single point of contact, XXXX XXXX, for a more detailed explanation. He explained that during a XX/XX/XXXX Carrington Mortgage modification review, the borrower hand wrote his unit number on his paystubs and that due to this, Carrington Mortgage now had reasonable evidence that the loan modification documents provided for this XX/XX/XXXX modification review are fraudulent. I advised XXXX XXXX the same information that was advised back in XX/XX/XXXX, that the borrower hand wrote his unit number " XXXX '' on his paystubs because it was incorrectly represented as unit " XXXX. '' The borrower did not intent to mislead or misrepresent information ; he simply wanted to correct a clerical error on his paystubs and did not anticipate the simple correction to be taken as fraud. XXXX XXXX advised that a written appeal letter together with a cellphone bill, internet bill or cable bill as further proof of residency, would prompt a review and if documents are deemed acceptable -- a re-opening of the currently closed XX/XX/XXXX HAMP loan modification review. Therefore, on XXXX/XXXX/XXXX, we sent Carrington Mortgage an appeal letter along with a XXXX cell phone bill dated XXXX XXXX, XXXX, with XXXX XXXX 's address listed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, as further proof of residency. On, XXXX/XXXX/XXXX, we received a " Non Approval Notice '' dated, XXXX/XXXX/XXXX, regarding our formal appeal letter dated XXXX/XXXX/XXXX. The letter stated Carrington Mortgage is unable to provide mortgage assistance because " Upon completion of the evaluation, CMS has determined that the documentation you have provided does not change the original denial disposition. '' On XXXX/XXXX/XXXX, I spoke with assigned single point of contact, XXXX XXXX, who stated the reason for the appeal denial was due to property inspections Carrington Mortgage performed which determined the property is tenant occupied and not borrower occupied.
11/29/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 667XX
Web
Like many others my husband and I were given the run around by carrington during the pandemic. We got behind on our mortgage and did the forebearance. I was told that at the end of the forebearance we would just have our past due balance put on the back side of the loan with no late payment upfront, no extra fees, no late fees, no lawyer fees, no negatives on our credit reports, and no need for refinance. They told us they were here to help us get through it. We were almost a year out before we were able to make payments again. Then we go to make a payment to find that they wont allow us to pick up where we left off. We were locked out of our online account, unable to get information, received foreclosure notices. The. We finally got them to talk to us and they let us apply for a refinance. They allowed it to go through, but now we owe more than we did originally. Weve had the loan for over 12 years now started off around XXXX and now we owe over XXXX. Then they tacked on over XXXX in fees we arent able to pay after saying they wouldnt add fees. Sure they lowered our interest rate by around XXXX XXXX but we still owe more than our original buying price. Our loan has been sold multiple times before landing with carrington, which means our information has been sold as well and now we are going to have to pay everything weve already paid off again all because we were lied to. My husbands credit was drug through the mud because of this even though they said it wouldnt be affected at all. Ive called multiple times and been told by a few that it would drop off after 2 months of consistent payments. Well weve paid for 6 months straight now and its still showing bad marks against his credit. We tried to refinance our truck loan to lower our payment and cant even do that because our bank wont help us until we are showing 1 year good with payments with them or until they drop the negative marks on his credit. We are still recovering from the damage the pandemic did on our finances. Carrington is doing something illegal to everyone who needed help during this pandemic and giving false information and put us and many other in a bad spot because of it. They either need to dissolve our loan and take ownership of the property without any legal recourse or more credit recourse or they need to honor what we were told when we took the forebearance plan. We are struggling even more because of this company and they refuse to fix the issue.
04/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 088XX
Web
Carrington Mortgage Services has employed accounting practices that maximize the interest accrued on my mortgage rather than paying down my principal. I intentionally pay extra every month in order to minimize the interest I am paying, but Carrington 's policies and practices will not allow this by default. This mortgage was originated in XX/XX/XXXX and has always been current and in good standing. Details : Carrington Mortgage Services purchased my mortgage from XXXX on XX/XX/XXXX. Since then I have made 3 payments of {$3000.00} each on XX/XX/XXXX ( due XX/XX/XXXX ), XX/XX/XXXX ( due XXXX XXXX ), and XXXX XXXX ( due XX/XX/XXXX ). Each of the {$3000.00} payments sent to Carrington included ~ {$1100.00} excess funds which should have been applied to my principal when each of the payments were received. However, Carrington did not apply the funds as expected. ( 1 ) for the XX/XX/XXXX payment, Carrington applied the funds as expected with excess payments being applied to principal. However, this payment was reversed and reapplied on XX/XX/XXXX with the excess payment ( {$1100.00} ) being swept into " unapplied funds ''. Carrington only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. ( 2 ) for the XX/XX/XXXX payment, Carrington also only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. The excess payment ( ~ {$1100.00} ) was swept into " unapplied funds ''. OnXX/XX/XXXX, the balance in " unapplied funds '' was then used to pay the mortgage bill due XX/XX/XXXX. Again, the MINIMUM payment to principal was made. ( 3 ) for the XX/XX/XXXXpayment, Carrington swept the entire payment to " unapplied funds ''. Under my former lender, my principal decreased by ~ {$1200.00} per month but under Carringto n they are only allowing my principal to decrease by {$450.00} per month. I have called Carrington weekly to try and understand the situation. Carrington has been able to explain their practices, which are the root cause of this problem. The only solution that Carrington has to offer is to watch the account and then call them if I do not agree with how they have applied my payments. It is clear that Carrington is applying my payments in a manner to maximize the interest accruing on the account while leaving my extra payments in a non-interest-bearing " unapplied funds '' sub-account. Basically, I get no value from sending extra principal payments and they get all reward.
06/22/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 351XX
Web
In XX/XX/XXXX, my mortgage was acquired by Carrington Morrgage Services, XXXX, California, from XXXX Mortgages. Since the acquisition, I have had nothing but unanswered problems. Beginning XX/XX/XXXX, my escrow payment was raised from approximately XXXX per month : XXXX of which was/is PMI, to XXXX. Carrington explained that XXXX was to cover a projected escrow shortage and would only continue for 12 months. My home owners insurance was XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX. My tax was XXXX both years. I had no escrow shortage from the previous year ( XXXX-XXXX ). I requested an escrow analysis to explain how I could be XXXX short on my escrow when total payments from escrow for taxes, PMI, and insurance XX/XX/XXXX-XX/XX/XXXX would be XXXX and my escrow payin was XXXX ( a potential shortage of XXXX ). I received no answer and the woman was very rude. I have now paid XXXX to my escrow account from XX/XX/XXXX-present. Despite the 12 months time line, I am still paying the extra XXXX per month. My taxes, PMI, and insurance this year totaled XXXX. I have called XXXX times and requested a full escrow breakdown. I have yet to receive XXXX. I have absolutely no idea what my additional payments of XXXX have gone towards. In addition to this, Carrington has begun holding an overage payments I make towards principal. They hold it in an " unapploed funds account '' as a " suspense balance ''. Currently, I have XXXX in this account. I have been told they will only move those money if my account is current. Oddly, my account has been current, the funds have not been applied. I assume I am paying interest on my XXXX of principal balance. I exhausted with this company. My minimum payment rose from XXXX to XXXX, and XXXX per month raise is substantial for me as a single mother. I have paid almost XXXX to escrow this calendar year, all that has been paid out of my escrow is XXXX in PMI and insurance, yet my most recent statement shows an escrow balance of XXXX. How?!?! I can not get an answer. My XXXX requests for full escrow breakdown resulted in XXXX rude conversations with XXXX different reasons why I am paying almost XXXX per year to escrow and NO escrow breakdown. A year and a half in, I still have never gotten an escrow breakdown. Nor have I found out when and where my " suspense balance '' is applied. Please help, I beyond frustrated. I can not afford to continue paying XXXX per month on a loan of XXXX with a fixed 6.5 % rate.
02/21/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 30087
Web Older American, Servicemember
The first thing I need to express and include for the record is that I am a licensed XXXX in the State of GA, license number XXXX, and also a licensed XXXX XXXX XXXX, license number XXXX in the same state. This beginning of this nightmare with the three companies regarding my concerns, XXXX XXXX ( processor and alleged lender of my VA home loan on XX/XX/XXXX ), XXXX XXXX Bank ( alleged holder of my loan " after closing '' however this was NOT DISCLOSED TO ME AT CLOSING, NOR IN THE CLOSING DOCUMENTS AT THAT TIME. Had I known this, since I am quite aware of XXXX XXXX Bank practices regarding certain minority communities, I would have NOT CLOSED my VA loan. The third company is Carrington Mortgage LLC. This is the alleged company that either was assigned as service company for my VA loan or purchaser of the loan from XXXX XXXX Bank. I am still not sure as to which of the about is correct. Carrington Mortgage and well as XXXX XXXX Bank refused to answer the question. During the covid 19 epidemic XXXX XXXX Bank attempted to foreclose on my home beginning in XXXX to XXXX XXXX. This illegal action was stopped by both a complaint to Congressman XXXX XXXX office, GA 4th District, and my complaint to Legal Shield attorneys. After the covid 19 forbearance ended XX/XX/XXXX, Carrington Mortgage LLC failed to process their required documents sent to them via fax, email and even fax from a local XXXX XXXX store in XXXX XXXX GA near my home. A complaint to a VA loan representative, XXXX XXXX, was needed to halt the most recent foreclosure attempt by Carrington Mortgage / XXXX XXXX Bank. Also, both of the above companies are continuing adding FEES to this account and sending MY CHECKS BACK TO ME WHEN I ATTEMPT TO PAY THE ACCOUNT. This process is what both, I learned today from online search of Carrington Mortgage LLC, are doing to INFLATE loan amounts on homeowners and cause alleged PAYMENT SHORTAGE leading to foreclosures in GA and elsewhere. The information located today about Carrington Mortgage LLC was shocking and new to me in that Carrington Mortgage LLC was FINED BY CFPB in XX/XX/XXXX for the same violations as was XXXX XXXX on their recent fine of millions of dollars to bank regulators. As XXXX veteran, retired local XXXX XXXX and concerned citizen about senior fraud and abuse in the mortgage and insurance industries, I determined that this complaint had to be submitted. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
10/17/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • IN
  • 46226
Web Servicemember
Carrington mortgage bought my loan from XXXX XXXX XXXX in XX/XX/XXXX while I was in bankruptcy and on my first statement I owed roughly $ XXXX to bring my mortgage in good standing. In XX/XX/XXXX, I had my bankruptcy dismissed and my XX/XX/XXXX statement said I owed roughly $ XXXX to bring my mortgage in good standing. Now in a much better financial situation, I was prepared to pay the $ XXXX to bring my mortgage in good standing, but the pay options on their website and app were XXXX and I had to call Carrington to make a payment. On XX/XX/XXXX I called Carrington to find out why my option to pay electronically was disabled and they informed me that they had not received notice that my bankruptcy was dismissed and transferred me to the bankruptcy department. When I spoke to the Carrington mortgage bankruptcy rep I told him my bankruptcy got dismissed and I wanted to make payment to bring my balance current but felt uncomfortable paying a huge amount over the phone. So I specifically informed the bankruptcy rep how I wanted my payment allocated and they said ok. At that time my most recent statement said I owed roughly {$6400.00} to bring my account current and my monthly mortgage payment is {$980.00}. I paid {$1300.00} and told the rep I wanted to see how this payment is applied to the amount owed to bring my account current and every dollar over the mortgage payment should be applied to the balance of what is owed to make my account current. The following day, I logged onto the company website and noticed that after they accepted my payment they released a new mortgage statement for the month of XXXX. On this new statement it recognized that I made a payment of {$1300.00}, but the amount owed to make my account current ballooned all the way up to over {$12000.00}. This is unnacceptable and led me to dissect my payment history and I recognized multiple times throughout my bankruptcy where the money I paid was unnaccounted for and was applied incorrectly. I requested Carrington to have a forensic accountant to give me a detailed explanation where each one of my payments was allocated throughout my bankruptcy and where each payment was applied. Again, I have never had a statement say I ever owed more than $ XXXX to bring it current until the most recent statement which say I am behind over $ XXXX after I paid {$1300.00}. Please help me uncover Carrington banks illegal accounting that is mismanaging my funds.
07/10/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 12306
Web
XXXX sold my mortgage to Carrington Mortgage LLC in XXXX 2015. In XX/XX/XXXX, I paid XXXX {$310.00} to cover an escrow shortage. Carrington 's commumincations advised that I had a {$1600.00} shortfall. When I called to discuss this change, they advised that they are allowed by law to hold a 2 month cushion, which I understand. However, when I did an escrow analysis, I determined that they were overstating the shortfall by over {$500.00} because they were *paying* my homeowners insurance, town and school taxes one month before they are due, resulting in over {$500.00} of the shortage. I called and asked how they could pay the bills before they are even sent out, and they replied that the wanted to " make sure the homeowner was not late with a payment ''. While this sounds wonderful, it allows them to hold {$540.00} of my money in escrow in addition to the {$1100.00} cushion, which is {$540.00} that is not available to earn money for me. For example, my homeowners insurance premium is not due until XX/XX/XXXX, but the escrow statement notes that the payment is sent in XX/XX/XXXX. If Carrington does this for only XXXX mortgages, that 's XXXX XXXX in their bank account instead of the home owner 's account. XXXX recently sold XXXX mortgages to this company. If they hold just {$250.00} from each of those customers, that equates to XXXX in funds that have been collected early, and earning money for Carrington. Understanding that the law allows them to hold a 2 month cushion - {$1100.00} ( in my case ) x XXXX = XXXX in Carrington 's account instead of the home owner 's bank. I have owned my home for 16 years and never had any issue with XXXX or XXXX. I am astounded and appalled to know that this company is allowed to practice in a way that causes the consumer to remit funds that are not due for up to 60 days. I am in the process of refinancing, but after speaking with Carrington 's customer servcie department, have zero confidence that the funds in my escrow account will be returned to me in a timely manner. Reading the consumer affairs reports about Carrington lowers my confidence level even further. By the time the refinance is complete, Carrington will have over {$2500.00} of my money held hostage in escrow. I would like to know if there are guidelines regarding the process to return money in the event of a refinance, so that I have some ammunition when speaking with the Carrington customer service department.
07/25/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NE
  • 68516
Web
In XX/XX/XXXX we worked with XXXX XXXX XXXX home modification, we were approved in writing and getting ready to make our modified payment and the next week we received a notice saying we were denied, we worked with our loan coordinator to find out why. Our loan coordinator told us to resubmit the modification, in the process of resubmitting our modification we received a notice that our loan was being sold to Carrington home Mortgages as of XX/XX/XXXX and our home is in foreclosure. I called XXXX XXXX XXXX again this time the loan coordinator we were working with was no longer with the company and we now had a new one, in speaking with her she said " well your loan was sold and we no longer have any information on your loan, you will need to call Carrington home mortgages ''. I called Carrington on XX/XX/XXXX they told me that it is a new loan and they would n't have any information on the loan for up to 60 days. I told them I did n't have 60 day because my house was being foreclosed with a sale date of XX/XX/XXXX, they told me not to worry that, that Carrington owned the loan and that XXXX XXXX XXXX can not sell your home because we now own the loan, she said call back next week and see if we have your information loaded. I called back on XX/XX/XXXX, they still did n't have the loan information loaded they again told me not to worry that there would be a 60 day grace period and no sale should happen. They told me to try again next week to see if the loan information was loaded, I called again on XX/XX/XXXX this time they sent me to the collections department at Carrington, they told me that it was partially loaded but we were in foreclosure and there was nothing we could do or they could do to stop the sale, I said we were told to submit a modification, she told me that it was to late and nothing we could do our house was going to sell at foreclosure. I was told by 4 attorneys that this is how XXXX XXXX XXXX gets by with foreclosing on people they sell the loan right before the sale date when they know that it takes a while for information to be transferred to the new company therefore there is no time left and people are left without a home. All we want to do is pay our mortgage and keep our home we have lived in our home for 11 years, we have a XXXX XXXX child, and this is very traumatic and stressful on all of us. We are looking for any help to save our home before XX/XX/XXXX which is our sale date.
09/09/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32003
Web Older American
Carrington Mortgage Services now hold XXXX of my mortgages sold to them by XXXX XXXX XXXX. Based on info at the below link I feel this is a no win situation for any consumer. XXXX Carrington Mortgage has seemed shady since I first began with them as a result of XXXX XXXX XXXX selling my mortgage to them. Their online pay system seems to have a great deal of troubles. I would attempt to sign in, it would not work, so I would go through the whole " get help signing in '' process, which would not recognize my security answers. I have had to call about this numerous times. They used to tell me I could pay by phone, to which I would reply that they charge a fee for that service and that I should not have to pay an extra fee because they ca n't seem to keep their online pay system working. One time when I complained that my security answers were not being recognized, customer service told me that that system is not working, and then proceeded to do it manually. I should n't have had to do it at all, and I certainly should n't have to do it numerous times over and over, month after month. '' " If you are considering a loan from Carrington Mortgage Services, DO N'T DO IT! I pay most of my bills online and their website is jacked up. It posted a payment, then rejected it without letting me know and then reported a late payment on my credit report. The mistake was totally on their end and they refuse to resend the late payment status. This is n't the first time that it has happened. If you call them with ANY question, be prepared to give your life 's history and be on the phone at least 20 minutes even though they verify you from your phone number. I plan to flood social media about this company and recommend that if your experiences have been anything like mine that you do the same. They are sketchy at best and I am furious! '' " Our loan was sold from XXXX to CMS about 2 years ago. It has been XXXX nightmare after another. I think it 's appalling XXXX has done this to so many people. The first month with CMS, we received a letter saying we had an escrow deficit. Just like so many others, we did NOT have a deficit. They wanted to raise our payment nearly $ 100/mo. After multiple complaints and a complaint to the XXXX, they decided to raise our payment half that much over 2 years instead of the full amount for 1 year. We felt there was nothing else we could do. We have been ripped off for nearly 2 years.?
10/15/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 604XX
Web
I am writing this email in pure frustration with Carrington Mortgage Services. Although from my previous experience it will probably do no good. I applied for a modification on the above referenced loan XXXX/XXXX/XXXX. I made my payment for XXXX on XXXX/XXXX/XXXX as I make my payment every month late on the last day of the month. To my dismay as of XXXX/XXXX/XXXX Carrington had not posted my payment so I called to find out why. I was told it was not posted because I had applied for a modification and they hold payments when your account is being reviewed for modification. I asked will this be reported to my credit bureau as 30 days past due and I was assured it would not. I was even asked by a representative named XXXX if I am not 30days past due why am I applying for a modification anyway. Well surprise, surprise Carrington did in fact report me as being 30 days past due for XXXX XXXX as I had feared they would. I was told to fax a copy of my credit report showing this to XXXX. I faxed this on the XXXX and XXXX of XXXX and I was told this process can take up to 30 days. Since I opened this loan in XXXX XXXX it has been nothing but XXXX. First I was told if I refinance with Carrington my mortgage payments would be reduced to $ XXXX/monthly. Then 3 months later they increased my payments to {$2300.00} stating they miscalculated my real estate taxes. So of course this has caused me continuous financial difficulty. Every month I struggle to pay this exorbitant mortgage payment and barely make it each month by the end of the month. Then in XXXX XXXX I made my payment through Carrington 's online payment system on Friday XXXX/XXXX/XXXX but dated it for the XXXX/XXXX/XXXX and they posted it XXXX XXXX which made my account 30 days late. I contested and begged for them to remove it but they refused. My credit is very important to me and sometime we go without a lot of things to make this mortgage payment every month. I enlisted the help of a realtor to attempt to sale the property but sadly it is not worth what I owe. Everytime I call Carrington Mortgage it is a terrible degrading experience. Your customer service representatives are terrible and your policies are not customer oriented. I absolutely hate Carrington Mortgage and everything they stand for. I would appreciate it greatly if Carrington would remove the 30 day late they have reported on my credit report for XXXX. Disgusted XXXX XXXX
05/29/2015 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • IN
  • 46123
Web
I applied for a refinance with cash out in XX/XX/XXXX. The rate was locked and the loan was to be underwritten by Carrington Mortgage. I paid {$450.00} for an appraisal which was performed in ( I believe ) XX/XX/XXXX. I was told we were near closing on at least XXXX different occasions and was asked to gather all of the final payoff documents. Each time, Carrington would come up with some strange documentation request and the closing would be postponed. Each time I was asked to provide additional documentation, I provided it right away. Again, I would be told we were near to closing/gather the documents/then be asked for some obscure documentation. This went on for months. I was told in mid-XX/XX/XXXX that we were ready to close. Once again, I gathered updates for all of the payoffs. This time I was told at the last minute that the appraisal had expired and I would have to get an updated appraisal. This time, Carrington agreed to pay for the appraisal since it was their fault that we had not yet closed the loan. The same appraiser came to my home and basically updated the same appraisal that was done previously. The next thing I know, Carrington is telling me that I have to " clear debris from the bathroom '' and " cover or fill the pool ''. Both of these items were personally discussed with the appraiser each time he was at the property. The appraisal also is marked " AS IS '' and that the value of the home is not contingent upon any upgrades or repairs. By this time, the representative that originated my loan had moved to another company. I decided, since nearly a year had passed and Carrington had STILL not closed my loan, that I would start a new application with the originator that had changed companies. This loan has moved along at lightning speed and we are nearing closing. The current loan company asked Carrington to send them the appraisal that was performed in XX/XX/XXXX. They, again, have been giving us the run around and holding up my loan. Today, I personally, emailed Carrington and was told that since I did not pay for the XXXX appraisal they would not release it to the new company. Bottom line ... Carrington Mortgage has given me the run around for over a year and I now believe they knew all along that I could not get an FHA loan with the credit score I had at the time. All I want is for them to release the appraisal to the loan company I am working with nowl
07/11/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30141
Web Servicemember
Good morning, on XXXX XXXX after attempting for countless months to get a loan modification with XXXX XXXX XXXX I receive a foreclosure notice from XXXX XXXX XXXX giving me less than 20 days to appeal. I file for Chapter XXXX and the rear payment was included, since then I was making the regular Mortgage payment to ( XXXX ) and the past due balance was being made by the Trustee. On XXXX of XXXX ( XXXX ) sold my contract to Carrington mortgage. Upon receipt of the notice I contacted Carrington to start making the payment to them, I was told that I would have to continue sending my payment to XXXX since they have not loaded all the accounts yet into their system. My first payment to Carrington Mortgage was XXXX XXXX and the months after up to XXXX XXXX. On XXXX XXXX XXXX I receive a notice address just to me stated my escrow was in the negative due to insurance and taxes increase, I pay the negative balance in full. I have attempted every day after up to the XXXX and was told that I 'm behind by 5 months that the minimum they can accept is 3 months. I ask them where did they applied the previous payment dated from XXXX XXXX and was told that someone would get back with me. I have waited until the next month when I have tried to pay yet again XXXX and XXXX was told the same story. My Bankruptcy lawyer have also contacted them to provide a payment history since XXXX have yet to get a reply to their notice. As of XXXX of XXXX I have all payments dated back from XXXX of this year waiting to be issue to Carrington. Every day I have XXXX my property to look for any foreclosing notice on my house. Recently we had a storm that had damage my roof and now the roof is leaking right in the middle of my bed when I contacted my home owner insurance was told that I could not file a claim due to my delinquency on my account. My home owner, property insurance is pay with my mortgage via escrow. I have made my last payment to the Trustee last month I 'm afraid that now I 'm no longer cover under Chapter XXXX they might take this opportunity to foreclose on me since the housing market is going up and I 'm no longer upside-down. Please help me save my house my Husband XXXX Veteran with XXXX his having more XXXX than usual because he 's afraid that we might be homeless any day. We are not qualify to purchase or renting other property since we just recently got out of bankruptcy. Thank you
12/08/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08046
Web Older American, Servicemember
This is the second complaint i have made about this company. I tried for 2 years to get this company to agree to a re-modification. I had to make a complaint against them because their business practices were shady bordering on criminal. After receiving an agreement 3 months ago saying i have to make XXXX test payments to complete this re-modification this company is up to its old tricks. I have made the first XXXX payments but i am reluctant to make the third because throughout this period there has been no good will reciprocated by these people. Despite the fact that i have kept my part of the agreement and made the payments i have continued to receive threatening letters and phone calls. Also there is a disparity between the amount the online account says is due and their automated phone system. Their representatives have continued to lie and make deliberate false statements about the situation. I just received a call from them claiming that the mortgage is in default and i have not paid which is a lie. When i reminded the person who called herself XXXX or something like that that i spoke to them last month about this issue and what she was saying was not true she claimed the payment was returned. I reminded her that the first attempt was returned because the bank suspected fraud so i sent it through another bank. She claimed at that time last month that as long as the last payment was made before the end of XXXX the trial period would be satisfied. This person was saying something entirely different today. I wanted my XXXX to assume this mortgage because i am too old to be dealing with this dishonest criminality and lies. I don't believe this is a oversight i think these tactics are deliberate to get me to just give up and give them my house. These people claim to record all calls so these records need to be subpoenaed as proof of these dishonest and deceptive business practices.I believe these tactics are clearly conspiracy to commit mortgage fraud which falls under the FBI 's jurisdiction. This company is a debt collector and not a mortgage company in reality. Even their name is a lie. Debt collectors are parasitic and will use any tactic to take advantage of consumers even if it crosses the line. A full investigation of this company needs to done to stop them from breaking the law. I am certain that they are breaking the law and someone needs to stop them.
07/24/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98059
Web
1 ) When we were offered our loan modification, we were given just one day to go over the documents, sign, and return them ( I have email proof of this ). This did not give us time to seek help in understanding the terms of the agreement. Therefore, we ended up with a balloon payment not really knowing what that meant. If we did n't sign right away, we would have just made all of the trial modifications for nothing and lost the house at that point. We worked so hard for over a year trying to get this modification, we signed not really understanding what we signed. I ca n't believe that it is legal to give borrowers 24 hours to sign such important paperwork. 2 ) When our renters were unable to make timely payments on the property, we fell behind. I contacted the mortgage company to make a repayment arrangement. I was told to fill out a complete modification package, and then received notice that I was denied. When I was finally able to speak to someone about this, I was told that I did n't really need to fill out all of that paperwork and that they had requested it by mistake.The denial letter was for a modification, which I did not request. I had requested a PAYMENT PLAN to catch up. At that time, I requested a repayment plan over the phone, was given an apx. amount and was told I would be sent paperwork. When I did not receive paperwork, I tried multiple times to reach my point of contact, but was never able to get her, or even that department. I never received an actual amount, or date, to pay.No paperwork no call, no email. I then received notice that I breached the terms of the repayment plan! I never received any terms!! How can I breach something I did n't even see, sign, or know about?? 3 ) I am never able to get a hold of anyone in their Home Retention Department. Despite calling at their advertised open hours, I am put on hold, transferred, told that they must have left for the day, all the while never getting the information that I need. I am always told by customer service that they ca n't help me and that I need to call back. After all of this, I want to sell the home. But, because of the balloon payment that was not explained to us, we wo n't be able to get enough out of the home to pay off the new loan amount. I am afraid to deal with Carrington directly, as I have had nothing but issues with them, as you can see. We have been swindled!
08/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • Foreclosure
  • FL
  • XXXXX
Web Servicemember
Formal Appeal Notification your request has been denied. Carrington Mortgage encouraged me to contact you. First, Carrington Mortgage attempts to defraud a retired veterans with service connected mental health issues with deceptive practices. it was proven. I still have that illegal contract. I reported Carrington to to the CFPB, the XXXX XXXX, the Florida XXXX XXXX, HUD, numerous agencies and attorneys. Carrington Mortgage was enforced to comply with XXXX and XXXX XXXX. Unlike the first illegal contract. It took over a year to complete a contract that I agreed upon with VA support/Promissory Note. I signed it. However, Florida XXXX XXXX dictates that both spouse 's MUST sign the contract. My wife filed for divorce only days after I received that contract. My spouse doesn't want to sign a quit claim deed. She wants to liquidate the house according to her petition for divorce. Carrington Mortgage negated that contract after I pleaded and made a payment in good faith. I submitted numbers applications with my final statements. Only XXXX were approved using the same financial statements. I was not employed and in all those applications, I submitted my retirement and XXXX. The second contract was approved with my pay had never changed. Notwithstanding the current market, inflation and soaring percentage rates, now Carrington Mortgage can come with a new legal way to XXXX me out of my home. This is literally about my first home I have sworn to keep, not to sell or liquidate. I bought it for {$250000.00} the market price is nearly {$500000.00}. It's a great profit to ensure a veterans with XXXX, that suppose to be protected under the XXXX goes homeless. That is the bottom line. Therefore, you XXXX me, I XXXX you back. HUD, the VA, Florida XXXX court and XXXX 's concerned with get this grievance. After all I been through to protect this sorry XXXX country, this is it for me. When I finally realized that I have lost this battle to domestic terrorism, I AM GOING TO DOUSE XXXX Shady XXXX XXXX, XXXX, FL XXXX WITH GASOLINE AND BURN THIS XXXX DOWN. Carrington Mortgage has heard my recorded conversations. I have been declared INCOMPETENT with anti-social disorders by the VA, It doesn't matter to me if I get away with it or not. Spare me the legalities of the crime committed. I really don't give a XXXX. Don't call me, I will not answer. XXXX you.
08/04/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 273XX
Web Older American
In XXXX of XXXX Carrington mortgage lost a postal money order that was sent with another money order along with payment coupon in the same envelope. When I contacted them after checking my account information online they said I had only sent a partial payment and put my next payment into a suspense fund. An employee told me when I called that they would research this and get back to me. That did not happen, when I called again later that week I was told it would take 30 days to research this and that they would let me know what the findings were. I was told not to make a payment until this was resolved. I have been told week after week that they were still researching the missing payment. This could have easily been resolved if they would have just said they lost or misplaced the payment as I could have easily gotten a refund from the United States Postal Service and resent the money order. From XXXX till now I have still not received any resolution. This has been going on for over 90 days, this company has ruined my credit in the mean time. I called and asked what I could do to get this resolved and I was finally sent a payment coupon for the amount of {$7100.00} to bring my account up to date. The payment coupon was for XX/XX/XXXX.This was the first correspondence that I have received from this company in months. The day I received this I also received foreclosure papers from the Sheriffs Department. When I called to find out for sure how much would bring my account up to date I was told {$7100.00}. Today I was checking my account online only to find out that they have taken money that they put in a suspense fund and now they say that I owe another payment. I was told all fees would be in that {$7100.00} and my payment would be up to date until XXXX XXXX. Now I was told that is not the case. This company seems to make up its own rules as it goes along. A representative named XXXX asked me to fax all the information that I had, I documented phone calls copies of the money orders and the people I have spoken to, I faxed this information to her XXXX/XXXX/XXXX. All of this information has been faxed to this company 4 previous times. I have lived in this home since XXXX XXXX, XXXX. I would not have done anything to have put my home in jeopardy. I have not had any problems with any of the mortgage lenders I have had before it was sold to this company.
11/06/2015 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • IL
  • 626XX
Web
This complaint is about a re-finance of an existing home loan. The refinance is through the company that currently has the loan. They offered the re-fi the first of the year, I applied for and received it, I have the approval letter. Usually, approval letters have experation dates of up to three months, mine specifically has none and the company does not like that, obviously if they have to sell loan at today's rate they would loose money on the deal. Since the approval letter came, the agent XXXX, has put of sending someone to finish the loan. it has been Eleven months and they still have not done anything. XXXX, XXXX Supervisor has repeatedly said they will work things out but nothing has been done. They asked me to reapply, I asked, "At today's rate and will you have the oppurtunity to reject my application?" He said that it was true and I told them that was not right and that since they made an original agreement they will honor it. I told them that I was going to make a complaint to the CFPB but they acted like they did not care. XXXX did not seem worried that I was going to contact the Illinois Department of Professional Regulation where he must have his Illinois License through. Carrington Mortgage Re-Finance out of their Florida Office is the place where XXXX and XXXX are located. I have copies of the original application and the approval letter that show no dates of experation. I think that they are just waiting for the year to run out so that they can again say, "Well, it is too late to fix anything now!" About three or four months after I received the approval letter, and many phone calls to XXXX while he still worked at the California office, he admitted that the application had gotten lost on his desk but that he still wanted to work with me and get it pushed through even though he was moving to the Florida Office of Carrington Mortgage. I was originally assured that this was going to be a smooth process but I was wrong. All that I want is my original re finance to go through, that's it and Carrington has made it miserabble since they screwed up and hope that I will go away. The last call, almost two weeks ago, was to follow up on a statement made by XXXX that he would check and see if the dates on all of the documents be changed and updated, would that make the loan go through but I have not heard from him or XXXX.
11/04/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 237XX
Web
I was notified by my Carrington Mortgage that my flood insurance policy had been canceled or expired on XX/XX/XXXX15. Since I live in a condo and our building was never required to have flood insurance, this was news to me. Still I scanned the letter and emailed it to our association manager for him to check into it. Apparently we are now required to have flood insurance. The manager scheduled surveys and worked with our insurance agent to get this done. I received a XXXX letter that stated that, if they did n't get a policy declarations page faxed to them in 20 days, Carrington would purchase flood insurance for me and bill it through my escrow. I spoke to XXXX agent at CMS with no satisfaction ... she only repeatedly told me that they would be purchasing flood insurance for me XX/XX/XXXX. Shortly after, I received, from our association 's manager, a copy of the flood insurance premium payment made XX/XX/XXXX with a 30-day waiting period for coverage to start. XX/XX/XXXX 2015, I wrote a letter ( attached ) and faxed it to the fax number for the policy declarations explaining all of this. I also asked for an email response and have yet to receive it. Today, after I saw in my online account that they had force placed flood insurance on my mortgage, I called the insurance department of Carrington Mortgage. I was told that they could not accept the copy of the premium payment and that nothing short of the policy declarations page could remove the policy they supposedly purchased. Although I had until today, XX/XX/XXXX to provide that proof, they placed the coverage on my loan XX/XX/XXXX and backdated it for the coverage to start on XXXX XXXX, 2015, the supposed date that my nonexistent last flood policy was canceled or expired. I 'm sure that Carrington Mortgage is going to attempt to charge me for several months of flood insurance even though a ) there was no policy in place until XXXX and b ) I, our association manager, and our insurance operated in good faith from the date of receipt of the first letter to secure flood insurance for our condominiums. I am not individually responsible for flood insurance for the condo building and we did everything in our power to get this done. I fear, based on my reading of many, many complaints about Carrington, that they are using this method as a way to increase fees to the business and defraud its clients.
07/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76040
Web Servicemember
Lender : Carrington Mortgage Services www.carringtonms.com XXXX. XXXX XXXX XXXX, IN XXXX Phone : XXXX Fax : XXXX For the past 6 months I've been in the process of paying extra money on the account for the sole purpose finishing off the loan. Lender only allows you to pay up to {$9900.00} online per day. So every 4 times month since XX/XX/XXXX I begin to send payments online. Every time I sent money there wasn't any problems from the lender to place payments directly into principal portion of account. Problems began after XX/XX/XXXX, after Lender received its regular monthly payment, taking out interest, principal and escrow. I made another payment on XX/XX/XXXX. Here lender took out another payment for itself of interest and escrow. Up to this date everything was fine with account, customer service stated it would take 15 days to move the money back from interest and escrow to principal. On XX/XX/XXXX money has not been added back to the account under principal. When calling customer service, there claim is that don't see anything on their computer screen. But when you look at the company account website, problem is still posted as money not returned to account. On XX/XX/XXXX regular payment plus additional to principal wasn't a problem. Payment XX/XX/XXXX additional money was added to account, went straight to principal again not a problem. Payment XX/XX/XXXX same as previous day, not a problem. Problem began on XX/XX/XXXX when account was about to be paid in full, after you add escrow to account and the extra interest charge on XX/XX/XXXX statement from XX/XX/XXXX of {$250.00}. Carrington took the last payment of {$9300.00} and split it 7 times on XX/XX/XXXX. Carrington took interest payments 7 times and 7 times of escrow payments from 1 days extra payment after receiving regular monthly payment. Customer service blames me the customer for paying down debt on the loan. Carrington website doesn't allow you to allocate money directly to principal after regular monthly payment has been received. But does allow you to add money. I've been actively paying down debt since XX/XX/XXXX, making about 4-5 extra payments a month. Carrington always applied extra money directly to principal, until the loan was about to be paid off. Customer service told me that my account was extended to XX/XX/XXXX. All in the name of paying them interest on the account.
04/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • TX
  • 76209
Web
I bought my home through an FHA loan in XX/XX/XXXX and we heard all of the good things about refinancing and finally did it in XX/XX/XXXX. Our loan was held by XXXX and we refinanced through them, as well with another FHA loan. In XX/XX/XXXX our paperwork was finalized to refinance our home. However, we were not aware and not told that FHA regulations had changed and that Private Mortgage Insurance would now be part of the loan for the entirety of the loan. The payment quote that the XXXX representative originally told me over the phone was considerably lower than the final one I began to see in the paperwork. When I asked about this discrepency he said FHA rules had changed and the insurance cost had gone up. He did not explain that we would have PMI for the life of the loan. We are now locked into a loan with PMI and our monthly payment has now surpassed our original monthly payments as we deal with increasing property taxes, as well. I hold XXXX responsible for not thoroughly explaining this - as they would be benefiting from the extra Mortgage insurance they would receive from us. Looking back I can see the terms are in writing in the contract, but we did not receive full explanation and only had a notary present at the signing the closing documents. XXXX did not do their due dilligence to make sure we understood we would have PMI or MIP ( whichever you call it ) for the life of the loan. I am not sure we had even seen it in paperwork before the day of signing. It was also not disclosed to us than a small down payment would have removed MIP from this loan. In the paperwork the Present Market value in XX/XX/XXXX was recorded as {$100000.00} and the amount of our mortgage was recorded as {$93000.00}. This is an LTV of 90.4 %. This to me means we should not have MIP on this loan. I also hold HUD responsible as I see this as another burden they have placed on homeowners. There is no reason homeowners who have never missed a payment should be stuck with this extra fee for the life of a loan! This is just extra money into the pocket of the lender on top of the interest they already receive! We now own more than 20 % equity in our home and have never missed a payment, yet we are strapped with the added burden of this mortgage insurance. I can not believe we had the horrible luck of refinancing one month after the rules regarding PMI had changed.
02/07/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37043
Web Older American
On XXXX XXXX, XXXX I sold a property located at XXXX XXXX XXXX, XXXX, TN XXXX. The closing occurred on XXXX XXXX, XXXX. A mortgage on the property was held by Carrington Mortgage Services , LLC . Their pay-off statement ( copy of which is attached ) indicated that the current total unpaid principal balance of the loan was {$57000.00} and interest payable of {$410.00}, with a total amount to pay the loan in full of XXXX ( XXXX + XXXX = XXXX ). That is the amount that was paid to Carrington Mortgage at closing ( See attached closing disclosure ). After closing it was discovered that the interest due to Carrington Mortgage at closing should have been about {$210.00} and not {$410.00}. So I had been overcharged by about {$200.00}. On XXXX XXXX, XXXX I contacted Carrington Mortgage and spoke with a service representative, who said that a senior service representative would have to call me back to discuss the situation. As of XXXX XXXX, XXXX I had still not heard from Carrington Mortgage thus I called them back. I spoke with a service representative by the name of XXXX. I Discussed the interest situation with him and he agreed that I should have been charged {$210.00} and he could not figure out why they had charged me {$410.00} instead. He said that I needed to talk to a supervisor. He said that no supervisor was available at the time and transferred me to a supervisor 's voice mail. I left a very detailed message as to the reason for my call and left both my home and cell phone numbers where he could call me back. As of XXXX XXXX, XXXX I had still not heard from Carrington Mortgage. I called again and spoke to someone by the name of XXXX. She also seemed puzzled as to why I was being charged {$410.00} instead of {$210.00}, however, she said she could not help me and that I needed to talk to a supervisor. I left a voice mail message for a supervisor by the name of XXXX XXXX. I explained the situation and asked him to call me back. As of today ( XXXX XXXX, XXXX ) I have still not heard from anybody at Carrington Mortgage. I Think it is pretty clear from the above that these so-called supervisors at Carrington Mortgage are totally ignoring my very reasonable request for a review of the situation I am describing. I am relying on the Consumer Financial Protection Bureau to help with this matter and I appreciate any assistance you can give me.
03/10/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30310
Web
i received a discharge from bankruptcy and paid off the mortgage arrearage. The horrible servicing nightmare that is XXXX continues! They are still not reporting my current mortgage status to the credit bureus!. In fact, the idiots have reported my account as being closed to the credit bureaus even as they send me stressful " advance '' notice of late payments when none of my payments have been late during the entire course of the bankruptcy and after. This company is absolutely atrocious, and you ( CPPB ) have to be aware of their practices. This is the second complaint I've filed against them in less than a month ( after checking my credit report yet again to see if the reporting has been changed ) as well as having filed a request for a reasonable accommodation under the ADA which they still have yet to respond to. I am sick, XXXX with XXXX XXXX issues and anxiety is a daily stressor. My house is the single most important part of my recovery and dealing with this company is literally killing me from the additional anxiety caused by their carelessness, callousness and downright deviousness. I don't understand how these companies can continue to get away with these kind of practices and not be sanctioned in some way. PLEASE PLEASE PLEASE do SOMETHING. Merely forwarding my complaints to them does absolutely nothing as they have not made one change in their practices and have been the worst example of a mortgage servicer I have ever seen. Carrington is literally detrimental to my mental health and causing me anxiety far in excess of what I need. They don't respond properly to anything and always give inconsistent information. Calling is a waste of time because when one does speak with a representative, it is usually after wasting time on hold. And even then, the person usually lacks knowledge to deal with the situation, provides inaccurate information, or transfers me to someone equally ineffective. I hate that I'm stuck with a serial debt collector as mortgage servicer and that their actions appear to be sanctioned by this body, which is supposed to help me. I obviously just emerged from bankruptcy, and even with considerable equity in my home, refinancing is not an option. Otherwise, I would have jettisoned this horrible situation and nightmare of a company before. Again -- Please Please Please do more than forward this complaint.
12/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 461XX
Web
In XXXX I was told by XXXX about the forbearance program with them and they encouraged me to take advantage of that program. I asked if I was going to face a huge payment and be forced to become current on payments at the end and was told NO, that since I had an XXXX XXXX, I would not have to make a lump payment, and that I would simply RESUME making regular payments to my mortgage, and that the money owed would be added to take back of my mortgage. I verified this with them every month. So in approximately XXXX, XXXX sold my mortgage to Carrington. Carrington contacted me and asked me if I was ready to start making payments and I said yes, so then they told me that I needed to pay them {$10000.00} ( approx ) plus resume making monthly payments. We agreed on a payment program of {$4100.00} a month for three months which would bring me current. I made the first payment on XX/XX/XXXX. Instead of taking one payment, Carrington took two. I asked for them to return the money to my bank. They refused to stop debit on their end and my bank refused to let me stop payment on a single payment, instead telling me that I would have to block everything incoming from Carrington. I did not have the money so I had to sell personal items to make sure the money was in the bank to cover the two payments. I had spoken to Carrington several times and was repeatedly told I would be contacted by a supervisor. This never happened. I was never told they had decided to send me a check via XXXX. I WAS told today that a check had been sent via XXXX and that it was my responsibility to track that package down, not them. My bank account still shows two payments have been withdrawn by Carrington, each in the amount of {$4100.00}. Yesterday I checked my post office box in town and there was a notice from Carrington saying that I owed over {$9000.00}. I called today ( Monday, XX/XX/XXXX ), and I'm being told that I have been removed from the forbearance program, and that I owe {$9300.00} ( {$4100.00} x XXXX ) If positions were reversed, Carrington would be telling me that the issue of the payment return or receipt by XXXX would be MY issue, not theirs. I am simply asking them to check their records and see that the payment they sent me has NOT been cashed, credit that to my XXXX payment, return me to the forbearance program, and for this not to effect my credit.
12/12/2015 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • FL
  • 32707
Web
XXXX - CMS acquired my mortgage from XXXX XXXX - Agent contacted me to discuss FHA Streamline refinance options from XXXX office. XXXX - Moved forward to closing after delivering all paperwork required. Initial signing botched by Notary. Closing rescheduled for XXXX. " Bring to closing '' amount refunded. No other concerns reported. XXXX - Calls start coming in about " why I have n't paid my mortgage '' ( were told we would skip XXXX payment as part of the closing ). Emailed Sr. Loan Officer on XXXX to ask about calls. He responded on XXXX saying it was normal, procedural, and not to worry, all was fine. XXXX closing - signed all papers with new notary. She sent them off. Called Sr. Loan Officer to discuss higher " bring to closing '' payment required. He explained that amount was probably designated to cover previous XXXX payment that was skipped, and now we would be skipping XXXX payment instead, new loan starting in XXXX. Sent off closing amount as cashier 's check a few days later ( once refunded check cleared bank ). XXXX - received collections call from Carrington Collections department. Asked why I have n't paid mortgage in two months. I explained that we were refinancing ( as I had before ). Was told that there is no record of refinancing, and anyway, we are not qualified for refi because of missed payments ( we do n't miss payments - only skipped because told to! ). Reach out to original loan officer. No answer. Reach out to Sr. Loan Officer. No answer. Reach out to their boss. No answer. Emails. No response. XXXX - Receive a check from Carrington via certified mail dated for XXXX XXXX for exact amount of " bring to closing '' fees. Multiple calls placed to all loan officers. No answer, nor any call back. Reach out to Carrington customer advocate dept. Told situation looks unusual, told he could see a request for origination/funding the loan, but loses the trail there. Advocate reached out. At last check, XXXX, no further information given. XXXX - Negative credit report notification via XXXX " protect my ID '' service. We followed all instructions and signed in what I thought was a legally binding, notarized closing. Now we are in default with credit action being taken against us, no one will pick up the phone or call us back, and no one seems to have any answers. I am appalled and disgusted with this situation.
07/01/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32907
Web
My alleged loan is currently serviced by Carrington Mortgage Services ( CMS ). My alleged loan is originated with XXXX, XXXX XXXX XXXX and riddled with fraud and contains forgeries, etc. I previously had XXXX XXXX XXXX who posted many of my mortgage payments to foreclosure fees instead of to my payment account. Money was embezzled from our escrow and payment account and we have complained with XXXX XXXX XXXX and now with Carrington about the inaccurate fraudulent debt to no avail. They continue trying to collect an amount that is not correct. They also continue to report it on my credit even after numerous disputes. Recently, I requested from Carrington proof of claim under U.C.C. Code Article 3 -3-501 ( b ) 2 ( 1 ) to visually inspect the alleged wet ink Note. Carrington response was that they decline because the Note is secured and not available for release until debt is consolidated. They also continue to state that they will no longer respond to my requests and that my loan is in foreclosure even though there is not yet a foreclosure date ( I live in Florida, a judicial state ). They assert that they are the holder/investor/owner/servicer and in other letters they have alleged that they are also the trustee. Nonetheless, there are numerous contradictions in all responses I have received. This foreclosure mill/debt collector ( Carrington ) is threatening with foreclosure and expect that they will continue this fraud without showing us proof that they are truly the holder in due course or that the " original '' wet ink Note actually exists. All they have sent us is a copy of the alleged Note and a Possession Certificate under Florida Statutes by XXXX XXXX XXXX, not from them. I can also confirm that the copy of the alleged original endorsed Note is indeed fraudulent but I will not give details now because I will save it for trial. This alleged loan was " criminally '' created and serviced from the inception. My family and I have been suffering monetary, physical and emotional damages for years. This specific complaint is about Carrington Mortgage Services who has been servicing this alleged loan since XXXX 2014 because they have failed to comply with our debt disputes, QWR 's and now with our request to visually inspect the Note which we have a legal right to do so. I have all documentation to substantiate my claims against CMS.
09/24/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32073
Web Servicemember
My husband and I had a loan with XXXX finance, and the loan was transferred to Carrington Mortgage on XX/XX/XXXX. XXXX stated that they had done a yearly analysis on our loan. Later between XXXX and XXXX Carrington did another analysis on XX/XX/XXXX and we were told that our mortgage went up to XXXX for the month between XXXX and XXXX. During this change with the analysis, Carrington told us that we were going to be short in our escrow and they would take our mortgage up to over XXXX dollars. We paid the difference within our escrow and they so that our mortgage wouldn't go up, but they manage to up the mortgage to the above amount and they did another analysis for the month of XXXX for our XXXX statement was XXXX. I called the customer service line and she stated that that was the wrong amount. The amount due was XXXX on XX/XX/XXXX. For the month of XXXX XXXX, they change the address where the payments are normally sent and they did not tell us. They sent us information that they did not receive payment for the month of XXXX. I called the company and one of the staff on XX/XX/XXXX, a staff stated that the address had been changed and he apologized. We had an extra XXXX cents going curtailed, going towards the principal, and now they are trying to add the money in the payment charging us XXXX on XX/XX/XXXX. The statements they send to us and the information on the account doesn't match. We have been having problems with this company since we got our account transferred over to them. The statements don't match what they have within their computer, which is confusing. We don't know what to expect from this company when we get our mortgage statements each month. On our XX/XX/XXXX statement on the back of the statement, they got XXXX information which doesn't tell us the most accurate transaction that took place in XXXX. It's confusing dealing with a company giving us conflicting information on our mortgage statements. They tried to charge us late fees because the payment in XXXX was sent to the address given to us and the payment was sent on time. However, they had changed their address, which caused them to get the payment but they stated that it wasn't received. They had changed their address and another payment was sent to them. We don't know what happened to the first payment sent to the address they gave us on XX/XX/XXXX.
08/19/2019 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 285XX
Web Servicemember
I applied for a VA loan with XXXX and was issued a prequalification letter. I contacted my realtor and went under contract for a house on XX/XX/XXXX. I was currently in a rental and had to be out byXX/XX/XXXX so that the owners could put the house on the market. We asked for buyer possession and we along with my realtor kept asking was everything moving smoothly with the loan along the way and we were told yes. Everything they asked me or my realtor for they received immediately. My realtor contacted XXXX XXXX on XX/XX/XXXX because we were scheduled to take possession on the XXXX and she was told that it was in underwriting and we should here something that day or the following day. I then called and spoke to XXXX XXXX and was told everything was moving smoothly and we should not have any problems. I still didn't feel comfortable so I still waited to the following week to start moving items in the house and had my movers scheduled to come on Friday XX/XX/XXXX with my bigger items. My realtor contacted them again on XX/XX/XXXX because no one has yet to confirm that we had final loan approval and were scheduled to close in a few days on the XX/XX/XXXX and XXXX emailed her back and said my file was still in underwriting and we should have final loan approval today. I then called him later that day to check on the status and I was told that the underwriter did not feel comfortable approving my loan so it was denied. Imagine my shock because now I am homeless and do not know what we are going to do. My realtor gave me the number to 2 local mortgage companies to see if they could help and they both said just solely based on pulling my credit that I should have never been issued a pre-qualification letter. I feel like this company mislead me and had me spend thousands of dollars on moving and inspection expenses by leading me to believe I was qualified to purchase a home. I am a military veteran that served this country and this is the thanks that I get? If they would have been honest with me, I would have just found another rental and fixed me credit and purchased when I was qualified. We have all emails and my realtor also have email transactions from them as well as proof. They left me homeless and ruined my life and will not return any of my calls or calls from my realtor to try to fix the mess that they made.
04/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43123
Web
After calling our homeowners insurance in XX/XX/XXXX to inquire about coverage for recent water damage to our basement, we were informed that our homeowners insurance was canceled in XX/XX/XXXX. We have been without homeowners insurance for the past 10 months and had no knowledge of this. The insurance guy I spoke with said the mortgage company was billed ( due to it being escrowed ) and they never received a payment in return. You would think I would have been notified as well, but that will be another complaint on a different website at a different time. Our mortgage was transferred to Carrington in XX/XX/XXXX from XXXX. During that time, we had insurance all the way through XX/XX/XXXX that Carrington was continuing to escrow from my mortgage payment. However, Carrington failed to renew the policy by making the payment in XX/XX/XXXX. Because we had no idea our insurance had elapsed, we have continued to make the same monthly payment every single month. Where has all of that escrowed insurance money gone for the past 10 months? Upon calling to find out, I was transferred to many departments, on the phone endless hours, and I still have no answer. I have the escrow analysis report from last year that clearly shows hazard insurance being escrowed and was told by the customer service rep that she can see the same report on her computer screen. I feel as though my loan was sloppily transferred by Carrington, and I demand answers. Carrington has not gone out of their way to help an emergency situation due to my basement being flooded with water from a recent storm/power outage. This is why lenders insure homes, so they are protected and so homeowners have immediate assistance when there isnt an extra pot of money just lying around. Instead, Carrington hasnt confirmed that this home has even been insured for the past 10 months. How scary is that? I also found out after speaking with the Carrington rep that they have us living in a condo instead of the residential property we have lived in for 12 years. Talk about a lack of trust in making sure that your mortgage company will take care of their responsibilities, which ultimately affects the borrower. As soon as this mess is cleared, we will be refinancing with a trustworthy lender who doesnt have a mass amount of negative reviews. How is this company even allowed to operate?
12/14/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • Fees charged
  • TX
  • 78247
Web Older American, Servicemember
In XXXX was told when I talked to a representative this reverse mortgage was a program set up by the government for XXXX XXXX. For me, was advised it would act just like a savings account, if I needed money for an emergency, I could draw money from the amount my house was appraised at. At time of my death or moving out of house, my family would have the option to pay back the amount I withdrew or if was a large amount, turn the house over to them. All this was done over the phone and each and every time I talked with them, was the same, it would be an escrow account, or savings account. Being a widow, I thought this would be good for me as I didn't have much savings. In reading now online about reverse mortgages, says before a mortgage could be given, a counselor was to speak to the person and everything explained in detail. I never had that, and in fact each person that I talked to was more and more convincing how great it was, and their parents had it and was so satisfied and they knew I would be too. Never once did anyone say you are knowingly taking out a loan in the amount of the appraisal of your home, in which you will be responsible paying back plus interest even if you don't withdraw any funds. After receiving a few statements, I kept seeing all these charges and interest so called them to get information what it was all about. And each time was of that doesn't apply to you as you have an escrow account. And each time it was a different reason, even that I would be earning interest enough that could pay my property taxes each year. But no explanation how that worked. Was just a month ago when finally a man at the office rudely asked if I hadn't read the papers I had signed and I told him each paragraph was told, that didn't involve me as I was only doing an escrow account. I am just sick as now I have to tell my son he will have to pay this so called loan to keep the house. This is definitely a fraudulaunt business, and I was definitely misinformed from day one. I need to find a way out of this, I don't know what to do, I need help. The company is : Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, Mi XXXX. Phone XXXX. The original company was XXXX XXXX, Reverse Mortgage Division, XXXX XXXX XXXX XXXX, XXXX, Ok XXXX I was definitely sold a scam, and how many other seniors are having the same problem.
04/25/2021 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 608XX
Web Servicemember
After multiple calls over many weeks, Carrington Mortgage Services has yet to transfer my account over to the permanent loan modification that was fully executed on XX/XX/XXXX ( I have the hard copy that was notarized by Carrington as executed ). It states that as of XX/XX/XXXX, my balance would be {$100000.00} which includes the {$3600.00} not paid during my forebearance period. My new interest rate should be 2.7500 %. I entered forebearance in XXXX of XXXX. Since that time, I have made the following payments : {$970.00} on XX/XX/XXXX via phone {$970.00} on XX/XX/XXXX via phone A second payment of {$970.00} via phone on XX/XX/XXXX Once offered a trial modification, I made the following payments in accordance with the trial modification offer : {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone I have also made the following payments : {$990.00} on XX/XX/XXXX via the Carrington website {$930.00} ( my new monthly payment per Carrington for the permanent modification ) on XX/XX/XXXX via phone {$930.00} via phone The dates on the loan modification documents don't line up as my first set of documents did not pass Quality Control ( Carrington stated the notary stamp was blurry ). I have called and called, been transferred to different departments ( some who state that they can't even see my payments that I have made ), told I will need to make my trial payments ( which I have - and for which they have documentation ). I have been spoken to as if I am clueless about the process and my part in it. One recent representative didn't believe that I had the permanent loan modification documents in hand that had been executed and notarized by Carrington. My most recent statement shows a number of adjustments that don't reflect the payments I have made. I addition, most of the payments I have made are sitting in a suspense account, not applied to the balance of my mortgage, and the escrow portions have not been applied to my escrow account. I am asking for assistance from your agency as I have had made no progress communicating directly with Carrington. In fact, it is getting worse. Whereas my mortgage statement dated XX/XX/XXXX shows my escrow account at - {$1800.00}, today my online account shows it as - {$2400.00}. Thank you in advance for your assistance.
11/02/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 14616
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXFederal Consumer Protection BureauTo Whom It May Concern : XXXX XXXX 2014 XXXX Mortgage sold my mortgage to Carrington Mortgages Services XXXX. From the mortgages Origin to this date I have never been late or missed a payment. Recently I have tried to refinance some of my properties and having pulled my credit report my Banker noticed in the comment section of all three agencies " Mortgage in Forbearance '' I called Carrington to find out why this was on my credit reports and I was told I had to make a written request for an investigation. I asked to speak with a supervisor to explain why they could n't tell me why a mortgage that has never had a payment missed would have such a notation on it. After being put on hold for 15 minutes the attendant said to me that there were a number of mortgages recently bought that had errors noted on the reports. He said I would be receiving a letter explaining this and the credit reporting agencies would be updated with that correction and removal of the erroneous comment. I asked for an email of the letter and was told they could not do thatTwo and half weeks have passed with no letter in the mail. I called today and was told I would have to send a letter requesting the letter they said they would send 2 weeks ago. I flat out refused and asked to speak to a supervisor. Again being put on hold for 15 minutes the attendant came back to say that he sent the request to the document department and I should be receiving the letter or their error in several days. Since my first contact with this company I have been treated like some kind of deadbeat. First by their greeting on the phone of " We are a debt collector attempting to collect a debt '' and subsequently their comment on an otherwise pristine credit report. XXXX times after asking to speak to a supervisor the attendants returned to say I did n't have to do what they insisted I do to get an answer in the first place. This is no way to treat a customer and to do fair business. My hope is that Carrington Mortgage Services is reprimanded for their failures to service me as good customer, treat me fairly and with respect. Needing to demand to speak to a supervisor is no way to get simple requests like an explanation or a letter explaining fault. Thank you, XXXX XXXX XXXX
09/23/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 70806
Web Older American
In XX/XX/XXXX, XXXX transferred the servicing of my loan to Carrington Mortgage. At that time, I was nearing the completion of a ( 5 ) year Chapter XXXX bankruptcy, with less than six ( 6 ) months remaining. Prior to filing for bankruptcy, XXXX granted me a 12 month forbearance. This amount was included in the bankruptcy and payments were made to the trustee. I also, for the duration of the bankruptcy, made the regularly scheduled monthly payment to XXXX. I never missed either of these payments. If I did, the trustee would immediately invalidate my bankruptcy. Carrington Mortgage did not understand the explanation I just provided when I called them in XX/XX/XXXX. They told me they had not received all of my loan file from XXXX and that it would take approximately 60 days for the transfer to be complete. I knew that I was going to have a problem because they told me not to make a payment. I could not skip a payment because of the bankruptcy. In XX/XX/XXXX, I called the bankruptcy department at Carrington Mortgage and insisted that they take my payment and each month following, I did the same. ( I have bank statements to show each payment ) Carrington Mortgage coded my loan as an " active foreclosure '' and began calling me after the bankruptcy was discharged. They told me the only reason my house had not been set for sale is because the Governor of Louisiana declared a stay due to COVID. They sent statements showing my loan in arrears. They said they performed a " thorough research '' on my account. I provided a printout from the trustee and bank statements. The findings from their research did not clear their many errors of incorrect payment postings ( which caused the incorrect due dates ) and their failure to accurately reconcile their loan file and XXXX 's. They continue to threaten me with foreclosure. I did not make XXXX and XXXX payments because they told me to wait until this issue is cleared up. It has been since XX/XX/XXXX and I don't know what more to do. I have called repeatedly, sent supporting documentation. These people are rude and dismissive. They talk to me and treat me as if I am lying. It is almost as if their intention is take my home. I am a XXXX year old XXXX XXXX woman. The stress of this has taken its toll on me. I don't know what more to do. I can not afford to hire an attorney.
05/17/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78413
Web
Approximat ely five yea rs a go XXXX XXXX sold my account to Carrington mortgage. I was down to last five years of the loan. It has been a nightmare ever since. Every year they raise my payment twice. Last one with a note that by law they can hold up to two times what is needed in escrow account to pay principle, interest, insurance, and taxes. During these last five years, they have misapplied funds to another account and were hounding me for a payment. That took several phone calls and a week to get them to correct their error. One year I paid the escrow shortage to keep my payments down enough to be able to pay them. They didnt know how to apply so they just applied to the principle and when I paid the amount the payment should have been they started their harassing phone calls. They wanted me to pay the shortage again until they could figure out where they XXXX XXXX . I didnt have that kind of money just laying around to send them so they charged me a late charge for thei r XXXX XXXX . Th ey have not paid my insurance in a timely matter and I received several notices of cancelation. Every month its is something with them. Mind you I have never had a late payment in the twenty five yea rs I have had this mortgage. Fast forward to this year. Once again, they are increasing my payments. Not sure why because there is more in the escrow fund than the payoff on the loan. So, I didnt pay that large escrow shortage as I knew I would be paying the loan off in the next couple of months. The payment was to increase {$62.00} in XX/XX/XXXX and I thought it was XX/XX/XXXX . I paid my usual payment in XX/XX/XXXX . T hen came the harassing phone calls. I explained it was an honest mistake on my part and would include the {$62.00} dollars in my next payment. They were having nothing to do with. Even though they had my {$1100.00} they would not post it because of the {$62.00} shortage. They reported me to the credit bureau which put a hickey on my pristine credit report. I tried to work with customer service but as usual their customer service is rude and useless. So now they have {$4700.00} of my money they payoff is {$3300.00} which means they owe me {$1400.00}. Now I get a foreclosure notice not just on but four. So basically, they are trying to steal my house over {$62.00} dollars.
01/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 49519
Web
I fell behind on mortgage due a loss income, increase in expenses and divorce. I contacted XXXX XXXX XXXX in XXXX XXXX, Michigan. I was working with XXXX XXXX who was one of their financial counselors. She helped complete a lost mitigation application and it was submitted on XXXX XXXX, XXXX. Carrington kept requesting documents that were already submitted. This was n't the first time they have done this to me when submitting a loss mitigation application. I filed a complaint with CFPB back in XXXX of XXXX regarding the same issue. Complaint number XXXX. All the documents that were requested were sent on XXXX XXXX, XXXX. XXXX XXXX took over my case at XXXX XXXX XXXX. He contacted Carrington on XXXX XXXX, XXXX and was informed that my case had been closed because I did not submit the documents that we were being requested which were sent on XXXX XXXX. XXXX suggested to resubmit a new application since Carrington had already closed my case and they were n't willing to re-open it. A completed application was submitted on XXXX XXXX, XXXX. I have attached a copy of the entire application. I was told on XXXX XXXX, XXXX that my case was close because I submitted an incomplete application. XXXX contacted Carrington and was told that I was missing the following : -Recent paystubs ( which are on pages XXXX ) -Bank Statements ( which are on pages XXXX ) -Letter stating how many household members are in the house ( which is on page XXXX XXXX paragraph. This information is also listed on my food stamp benefit letter found on pages XXXX. ) I did not receive a written notice or email stating that this information was missing ( even though this information was not missing. ) I think that what Carrington is doing is unfair to me and all the work that XXXX XXXX XXXX has put into my case. They have been giving me the runaround for over a year and they have closed my case twice for invalid reasons. I am asking Carrington to review my application completely and to read and pay attention to all the documents that are submitted. This will be 4th time applying for loan modification. All I want is to ensure that my kids and I have a place to live. Thank you for taking the time to review my complaint. I have attached my completed application from XXXX/XXXX/XXXX and the fax confirmation stating that my application was received.
06/19/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Struggling to pay mortgage
  • MD
  • 21403
Web Older American
My parents had a reverse mortgage with XXXX XXXX XXXX XXXX XXXX XXXX. My father died in XXXX, and mother in XX/XX/XXXX. I am the executor of her estate. On XX/XX/XXXX, I informed XXXX in writing that I would refinance the mortgage and pay them off. I was in touch with them dozens of times between XXXX and XX/XX/XXXX via email and phone. They advised me that I could request up to two 90-day extensions. I requested the first extension which should have expired XX/XX/XXXX. On XX/XX/XXXX, they served Notice of Foreclosure. Ultimately, I closed on a mortgage on XX/XX/XXXX and did pay off XXXX ( which became Carrington Mortgage Service in XX/XX/XXXX. ) Included in the payoff was XXXX 's legal fees for filing the Notice of Foreclosure. On my attorney 's and my lender 's advice, I did not object to the pay-off amount because it would have scuttled the settlement. After the settlement, on XX/XX/XXXX, my attorney sent a letter to Carrington Mortgage Services attorney, XXXX XXXX XXXX, requesting that they return the legal fees. LOGS did not respond to that letter. On XX/XX/XXXX, I forwarded that letter directly to multiple email addresses at Carrington Mortgage Services. I received no response. I also incurred legal fees in having my attorney respond to the Notice of Foreclosure. It is my belief that XXXX customer representatives never processed my request for the first 90-day extension and that their outside attorney proceeded with the Notice of Foreclosure because of that failure to process the request. I understand FHA requires the availability of extensions. I provided the information that XXXX asked for in support of the extension request. Not once has XXXX/Carrington or their attorney responded to an email or letter requesting specific acknowledgement of receipt of documentation or of the extension decisions for which documents were submitted. The attached documents indicate the nature of my email communication with them - multiple representatives get in touch about extensions or short sales or the apparent absence of documents already submitted- no representative could pass me to a higher authority capable of rendering a decision. It seemed exactly like a shell game - one that cost my mother 's estate almost {$5000.00}. The attached documents include emails, letter, statements and email/phone log.
11/09/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MI
  • 486XX
Web
Carrington MS took over my loan from XXXX bank. I had some financial issues with business and got behind in my mortgage. When I tried to make house payment they refused to take it, said I had to have XXXX payments. Next week I had XXXX payments and they refused them and said I had to have XXXX payments. This went on and on until I got help from XXXX, got caught up and this whole time I was trying to get a modification using HARP program. While this is going on my health was getting worse from the stresses they caused. I have XXXX and stress is very bad for my illness. After trying to get XXXX modification done with them, they turned me down XXXX. Started a XXXX with a agency here in Michigan, by now my health is getting real bad, I had to file for XXXX. I was forced to quit working because I was unable to keep up with the demands of XXXX that I owned. Sold it and paid off a couple bills. Found a local job and was fired because I was sick. Then next week social security approved me for XXXX. I have had XXXX for thirty years and always had been able to work as long as I got rest and kept my stress level down. When Carrington MS would n't give me a HARP modification so I could keep my house so I would n't lose all of my investment was devastating to me. Today was suppose to be a sheriff sale and they pulled it from the docket. So they are still causing XXXX situation to me. I offered them XXXX in XXXX 2015 and today it was being offered for XXXX. When my attorney made the offer they never even responded to him. That 's when I had to file bankruptcy. When I was trying to get the modification done they told me to call USDA rural development, Carrington claimed it was USDA was turning it down, USDA said they only guarantee the loan through XXXX bank and for me to call them. I called XXXX bank. They said they did n't have anything to do with the loan, I had to call Carrington. Called Carrington again and was told they did n't know anything and did n't even know who I should talk to but would get back to me when they figured it out. Never did call me back. I am still on the title of the property. No one seems to know who owns my house now. My real estate agent ca n't get any answers either. The fair market value is under {$30000.00}, I bought it just before the bubble in real estate collapsed.
10/31/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 985XX
Web
In XXXX of 2010 I realized I would need to let my home go ( located at : XXXX XXXX XXXX XXXX ; XXXX, WA XXXX ) At that time I began seeking advice on what to do. I was told to protect myself I should file bankruptsy which I began the paperwork for and filed in XXXX 2010. I notified everyone concerned that I was doing so and completely emptied the house by the end of XXXX, again notifying them they could take immediate possession of the home, please note that I worked very hard to leave the home in good shape where someone could move in immediately with the exception that the furnace had gone out and was unable to be repaired and needed replaced. For about a year they sent me notices of past due and I would call and tell them the house was vacant I had filed bankruptsy and they would say they would take care of it. Then it stopped for a while and I began getting notices from the Carrington Mortgage Services that they were insuring the house under my name and it appeared the cost was also being somehow listed under me? Again I called them after many attempts finally got a live person who said they would take care of it. They began sending me requests for my tax ID ( SS number ) so they could issue me a document that appeared to be the amount they were losing on the house, again I told them I had filed bankruptsy. I recently received yet another communication stating they would report me to the IRS if I did not supply that information. I sent them a letter back along with my bankruptsy discharge and papers showing the home was included. It took a month to get back the receipt and it came with a letter now stating that I owe {$7600.00} for delinquent payments between my first notification I was vacating the home in XXXX 2010 and when I had formally filed the bankruptsy documents with the court in XXXX ... at least I think that is what it is. The attorney that handled my case assured me that I had done everything I needed to do to protect myself. I am feeling very much like I am being harassed, I take care of my adult daughter with a XXXX and XXXX XXXX year old granddaughters and still work full time. I am hoping someone can help me in getting this all to stop. I appreciate anything you can do or direction for me to go in trying to resolve this once and for all. Thank you - Sincerely, XXXX XXXX
10/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27526
Web
My mortgage was sold to Carrington MS LLC by XXXX. Issues from day 1, including no notice from them that they 'd purchased my loan. They made making payments difficult and basically forced me into missing a payment, the 1st and only payment that was ever missed in 7 years. Last year they sent me a letter falsely attempting to say I was required to get PMI. When I called they said it was a standard letter sent to all customers ; the letter said it was required due to loan type, it was not an informational letter. It took me 2 separate calls to get someone to send me a letter stating that I, in fact, did not need PMI. My concern now is that they are withholding my money. My home was sold in XX/XX/XXXX and the mortgage therefore paid off. I had to make somewhere between 5-10 calls over the course of 2 months to them in order to get a refund of my escrow, each time getting a different excuse as to why I had n't received the check and that they could n't tell me what the escrow amount was. When the check finally came, it included no information related to how the escrow amount was reached. I was told last month that the refund for my final mortgage payment ( XX/XX/XXXX ) was mailed to me on XXXX XXXX. I was told I 'd get a separate check for mortgage payment refund by XXXX separate agents, but told they could n't provide the exact number. I called today and was told that the check I received for the escrow refund included the final mortgage payment as well. The agent told me the amount of the check I received for the escrow refund. I asked for a breakdown of the escrow check, he said he would mail it. I asked that he tell me, to which he said he could n't discuss numbers over the phone. Even though he 'd just given me a number. In any case, the escrow refund is only for the amount I had in escrow, it does not include any additional monies as he tried to state. I asked my I was told by XXXX other agents on 2 other calls that I would be getting a refund for the final mortgage payment. He said they were incorrect. He all but refused to transfer me to a supervisor, then finally sent me to a general voicemail. It has been over 3 months since they were paid off for the loan. They are withholding monies that do not belong to them. I can not see where I have any recourse and do n't know what to do.
10/19/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 21113
Web
In XX/XX/XXXX I called Carrington Mortgage to inquire about my home loan modification. I was told it was still in processing. I followed up several times until XX/XX/XXXX when XXXX advised me the paperwork was lost and now invalid due to missing date. They said I would have to go back to XXXX and pay up to date to keep my loan modification. After I filed complaints with the XXXX and XXXX XXXX they sent revised docs in XXXX with an XX/XX/XXXX due date for the new modified monthly payments. I received a new set of documents in XX/XX/XXXX that was signed, notarized and submitted to Carrington Mortgage in XX/XX/XXXX. I received final process documents dated XX/XX/XXXX with my first mortgage due XX/XX/XXXX. As of XX/XX/XXXX, the monthly mortgage amount changed due to their XXXX failure to calculate the escrow correctly therefore it didnt pass quality control so as of XX/XX/XXXX XXXX at XXXX would have new documents sent to me with the correct monthly mortgage payments for signature and notarization. XXXX arranged for a notary to meet at my home. The documents were notarized signed and return to Carrington Mortgage. On XX/XX/XXXX, Carrington Mortgage notified me and my attorney that the paperwork failed quality control due to notary 's county didn't match the county of residence. On XX/XX/XXXX CM arranged another appointment for me to meet with a notary on XX/XX/XXXX. I didn't receive word that the docs passed quality control until XX/XX/XXXX when I reached to XXXX XXXX via email and he confirmed the docs had passed quality control and in the process of having the modification finalized. I emailed XXXX XX/XX/XXXX XXXX XXXX and XX/XX/XXXX because the mortgage due date remained XX/XX/XXXX and was not adjusted based on the revised docs with a correct notarization and final docs not being received until after XX/XX/XXXX. He has never responded to my email. I noticed the forbearance was extended until XX/XX/XXXX which also prompted my emails. I called XXXX today and was advised that the paperwork couldn't be amended because it has already been filed with the county and I would have to pay XXXX and XXXX or my loan modification will be cancelled. I am prepared to pay XXXX since the final docs pass quality control, filed with the county and I received the final doc but not XXXX with invalid docs.
03/10/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 93536
Web
My loan was recently transferred to a new mortgage lender known as Carrington Mortgage. Ever since this transfer Carrington Mortgage has been receiving my regular monthly mortgage payments and has refused to apply the additional funds sent with these mortgage payments to my escrow account. I have sent multiple requests made multiple phone calls and yet the company refuses to apply the funds accurately and correctly. Diring this month alone I currently have {$310.00} sitting in a suspended in a account in which I am unable to have moved over to my escrow account. My payment is due on the XXXX of each month but I have until the XXXX to complete the full payment for the current month. Upon making these requests I had to had to reach out several times to make numerous complaints about these additional funds I sent not being moved to my escrow account. I advised my current lender that I am not late on my mortgage payment and therefore have the right to have the funds in which were submitted to them, applied accurately and correctly. This is been an ongoing battle with our to my mortgage account. I was provided misleading and inaccurate information multiplte time and I believe this company is violating my rights underneath the Real Estate Practices Act. In addition to the mismanaged of funds, when I asked for a comprehensive breakdown of my payments ; a detailed loan history as to where my funds were being applied and where they were being held, along with what my regular monthly mortgage payment was I kept getting misleading and inaccurate information Everytime. I've complained to Carrington Mortgage that my current mortgage statements are not matching the application of my payment throughout the online portal in which they provide as the payment history is showing unclear payments and different amounts than what's being submitted. I am extremely concerned as I believe Carrington Mortgage is inaccurately and illegally misapplying funds with an intent to manipulate these funds to embezzle money. This company should not be allowed to conduct business as a mortgage servicer until they can ensure consumers are provided accurate and complete payment records. Please investigate this issue further as I believe as a homeowner I shouldn't have to fight my mortgage provider for this information.
07/27/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 27529
Web
Last year, my wife and I fell behind on our mortgage. After a long, arduous process, Carrington Mortgage finally agreed to allow us to do a loan modification. The modification would allow us to bring our loan out of default. The 1st part of the modification process involved us making three consecutive " trial payments, '' before the modification could be finalized. We made our payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no problems, as we were asked to do. At that time, our modification rep at Carrington e-mailed us and told us that they were sending paperwork that we had to sign and send back to them by XX/XX/XXXX, in order to complete the trial period and move on. We did that, too. Nowhere in the paperwork they sent us and had us sign, did it mention anything about what our new mortgage payment would be due, how much it was, or when it was due. The third week of XX/XX/XXXX, I e-mailed our modification case worker, and let her know that we had returned the signed and notarized paperwork, and provided her with a tracking number to track the package. I asked her to let me know what was next, as soon as possible. A couple of weeks passed, and we received our mortgage statement from Carrington for XX/XX/XXXX. In their statement, they showed that we were still in foreclosure, and made no mention of any payment being do and when. This created a concern for me, so I contacted our modification rep again, this time by phone. She assured me that everything was processed properly, and that I would be getting information about our new payment soon. That information never came. Just last week, I e-mailed our Carrington modification rep again, and let her know that we STILL haven't received any information about our new mortgage payment or due-date, and that I was starting to become concerned. Well today, XX/XX/2020, I received two letters from Carrington Mortgage simultaneously. One of the letters was a late notice! Carrington said I had a mortgage payment that was due on XX/XX/XXXX that was now late, and that they were charging me a late fee. I also received a mortgage statement for XX/XX/XXXX, stating that I owed two mortgage payments and a late fee by XX/XX/XXXX. We have spent so much work and effort to get this mortgage back on track, and this was just devastating to us.
12/20/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NC
  • 283XX
Web Servicemember
To whom it may concern ; My legal name is XXXX XXXX XXXX. My maiden name is XXXX XXXX XXXX. I need help before it's to late and I loose my home. During my bankruptcy, apparently, my loan was sold to a Carrington Mortgage XXXX. I concluded the bankruptcy back in XXXX of this year and was given the address within Carrington Mortgage to where I was to begin to send my mortgage Pymt. My pymts went from 9 something now to about 1400. dollars. I asked why and they claimed my taxes and insurance went up. Didn't matter, I paid it. I follow the instructions given up unto I was told now to send the pymt 's to the address on the Pymt vocher : still to Carrington Mortgage. I recently just received my mortgage statement and it is stating that I owe over 5000.00 plus dollars of no pymts plus late fees and penalties. This is the ironic part to this nightmare, I use cashier checks to make my pymts ; and XXXX XXXX has sent a copy of 1 of the cashier checks that was missing for the month of XX/XX/2020. This cashier check was deposited into someone else 's mortgage acct. The Carrington Mortgage clerk, who deposited the check in the wrong account, put the mortgage number on the cashier check to where it was deposited. Once I showed and verified this with one of Carrington Mortgage Debt Collection Clerks and admitted that to a fault of my own, I was not notorious for putting the loan number on my cashier checks. She stated that it should not have mattered because they use other identifying factors as well. As she began to fix the problem I thought, I instantly believed in her abilities because she gave me her supervisors email, XXXX : and had me forward what the bank sent to me, which was the missing cashier check in question for XXXX XXXX where is this 5000. plus dollars coming from : because of this, I have not sent in XX/XX/2020 XXXX. Well, she assured me that the matter would be cleared up in about a week. This turned out not to be accurate. He never emailed me back at no time to let me know anything. Now, when I pull him up in my email an attorney 's name or legal company come up, XXXX. I simply want my peace in regards to my mortgage and home back from Carrington Mortgage XXXX What am I to do? My point of contact is : XXXX : XXXX. My email is : XXXX XXXX XXXX XXXX
01/08/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • VA
  • 23504
Web Servicemember
On XXXX XXXX, 2018, I received a call from Carrington Mortgage informing me that my payment for XX/XX/XXXX was not able to be processed. Upon further investigation, it was determined that the payment was not able to be processed because when I entered my baking account information, I accidentally transposed a number. I informed the representative that I was able to make the payment. She informed me that there would be a {$20.00} charge for taking the payment over the phone. I asked her if that fee could be waived and she said that she would have to speak with a supervisor and she put me on hold. When she came back to the line she stated that the supervisor was not willing to wave the fee. I then asked if I could speak to a supervisor. She put me on hold and when she came back to the line she said that she had XXXX ( # XXXX ) on the line. I explained to him that I realized that this was my mistake but asked if he could wave the fee anyway along with the late fee for XX/XX/XXXX. He stated to me that Carrington never reverse fees unless they made the mistake. At this time, I just decided to go ahead and make the payment. XXXX told me that I could not just make my regular payment, I now had to include the late fee. I told him that I only wanted to make my regular payment. He again told me that he would not take my payment unless I included the late fee. I then asked him to let me speak to another supervisor and he refused. I then asked him to transfer me back to customer service so that I could make my payment and he said that my payment would not be accepted. He then told me to have a good day and hung up. I then called back to customer service and I was able to make my regular payment and was given a confirmation number. Also, during the call with the first customer representative I was informed that I had additional fees assessed to my account that I had no knowledge of with the exception of the late fees. The fees are as follows : Property Inspection fees {$100.00}, Late Fees {$370.00}, Appraisal Fee {$440.00} and a Broker Opinion Fee {$400.00}. At one point I had decided to do a " short sale '' but changed my mind. I canceled the sale before the appraisal could be done so I just do n't understand how I could be charged an appraisal fee along with a broker opinion fee.
12/14/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76002
Web
My loan was taken over by Carrington Mortgage approximately XX/XX/XXXX. I have had consistent issues regarding payments with this company especially since they do not accept electronic payments like 95 % of all other companies. In XX/XX/XXXX, I processed two payments via my bank 's bill payment system. Since Carrington does not accept electronic payments, they processed checks to be delivered XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, these checks had not cleared my bank account and were not posted to my mortgage account. At that point, I had to get these two mortgage payments process before the end of the month or I would have been 90 days past due. I ended up processing my payment over the phone which included an additional fee by the company. The very next day, both checks cleared my bank although I have a copy the recorded conversation on XX/XX/XXXX in which the agent confirmed that neither check had posted to my account. I was fortunate that my bank worked with me to reverse the fees and insure that I would not be penalized for this but CMS never made any attempt to rectify this situation. I then attempted to have my mortgage payment deducted from my account bi-weekly but CMS set the payment withdrawls on a bi-monthly schedule that rarely coincided with a bi-weekly payment schedule. It has been a real effort in terms of additional fees in order to may my mortgage each month ( I utilize XXXX XXXX ). The reason for this complaint is that on XX/XX/XXXX, I signed for two certified letters from CMS dated XX/XX/XXXX titled Notice of Intent to Foreclose. At this point, my XX/XX/XXXX was past due ( but payment was made by XXXX this same day ) but my XX/XX/XXXX payment was still within the grace period. I believe that CSM makes it harder to make your payments by not accepting electronic payments similar to payments received by other credit institutions such as credit card and auto finance companies unless you either allow them access to your bank account or pay extra fees to process payments over the phone which again allows the company to charge the consumer extra fees. On a 20-30 year mortgage, those fees are astronomical. I also believe that CSM violated federal law by send me two certified Notice to Foreclose letters with the attempt to deceive and intimidate me.
11/24/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 32258
Web
All was well until XXXX of this year. While preparing for the Hurricane " Dorian '' my family over extended our finances. Lost of work hours, and income did not help any either. Knowing this fact, we reached out to our mortgage company Carrington. As an afford to pay just the principal, and interest only this would have help us out tremendously as a temporarily relief.This would have help with keeping the account current per say, and no negative reporting would have been made to Credit bureau. However, after reaching out to Carrington, without taking anything into consideration, or hear our situation we were advised that there are no such options to pay Prin/Interest only. So now we are 4 payments behind. Once you fall behind everything snow ball quickly. We understand that this is our doing, and intend to bring the acct current again somehow. We do not wish to lose our home. What we don't understand is that we are facing Foreclosure after 4 months behind. How is this possible, when we were never offered any home retention options, or even paper work to inform us. I thought as a customer we would be provided some home retention option or some type of Loss mitigation, a solution to keep our home. After several contact from us to Carrington is when I ask them to open a review for a possible Modification. Why was early default intervention not provided by the mortgage service. Because of the lack of afford on the mortgage side for us to keep our home. It leads me to question, where there not any State laws and Mortgage regulation violated. Has Carrington ( BankUnity ) violation HUD default servicing laws I feel Carrington 's actions are NOT in any way compliant with State laws and Mortgage regulation. Why are there mortgage servicing company that allows payments to their principal/interest as a temporarily relief, and Carrington does not. All of this stress could have been avoided.My family could be enjoying our daily routine instead we are under pressure for the holidays all because we were advised we could not make any P/I payments. We are asking CFPB to look into Carrington as a whole to ensure operation are in compliance with all State Law, and Regulations. We truly feel violate, and unfair service has been demonstrated with our account, and family.
06/06/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77494
Web
Below what I sent to the mortgage company Carrington Morgage Services LLC XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX As I learned the details of my account today, I wont call this a dispute but I will appreciate your time to understand the events that unfolded and caused my account to go under balance which caused payment issues with Carrington and eventually affecting my credit score. Below key events - From the very beginning I set up with Carrington Mortgages website bi-weekly payments, not only to accelerate payments, but also to have piece of mind due to my high frequency of out of the country flights. - You can see by my history that my bi-weekly payments have been executed without issues until XX/XX/XXXX, that I am now learning it had been returned due to insufficient funds in my account. - During XX/XX/XXXX and XX/XX/XXXX I suffered from unauthorized charges in the same XXXX XXXX XXXX account I use to pay my mortgage, I submitted the claim to XXXX XXXX XXXX as soon as I realized ( and I was back in the States ), the claim report is attached below, you can see the amount of {$2300.00} which made my account lower than usual and for what I normally prepare for mortgage payment. - All this time, the bi-weekly setup have been working without any flags and calls to my attention to highlight the underpaid situation, I do acknowledge that monthly statements have been reflecting it, however the electronic statements can only be accessed by go to the website and no hardcopy is sent ( I do not recall getting any since setting up digital statement ) - Additional attachments is to demonstrate that I was out of the country in early XXXX and I returned on XX/XX/XXXX. It is a lesson being learned in a hard way as there is no piece of mind setting up electronic statements nor bi-weekly payment, and as I acknowledge it, I am hoping that you recognize that the number of events that unfolded, created a situation of confusion ( XXXX XXXXXXXX XXXX ) and more importantly it caused me to go underpaid in my mortgage. Not having a proper mechanism to flag it in Carrington website aggravated the whole situation. Ill appreciate your consideration on removing the negative flags in my credit history for XXXX and any other month affected onwards.
11/09/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • WI
  • 544XX
Web
Our Home Loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services on XXXX XXXX, XXXX, to date ( eleven months later ) our account is NOT SET UP. I have not gotten a statement from Carrington since XX/XX/XXXX. They have not applied over {$18000.00} in payments all of which were sent via EFT from my Credit Union to Carrington, all of the mortgage payments sent by us ( and by our Bankrupcty Trustee ) have not been applied and are sitting in a suspense account. I had to call to get our account number so I could send the payments, then I started calling regularly after two months when we were getting statement showing a huge 'past due ' on our statements. I was told numerous different reasons why my statements showed that way but ultimately I was told that they had a backlog and our account was n't set up and that 's why we could n't access anything online. After calling them for months I suddenly stopped receiving statements ( I got statements from XX/XX/XXXX-XX/XX/XXXX ), when I called to find out why i was told because we were in Chapter XXXX we could n't have regular statements unless they recieved a letter from our bankrupcty attorney allowing it. My lawyer sent the letter immediately, I called a week later and they said they had it but it had n't been 'processed '. I called a month later it still had n't been processed, when I called in XX/XX/XXXX I was told yep it was recieved on XXXX XXXX but not processed but XXXX assured me they now had a dedicated staff to process those requests. A few days after that phone call I got a call back from XXXX telling me that eventhough their system showed they had the letter, they ca n't find it and I need to resend. She gave me an email address to send it to, the email failed. I refaxed the letter using the same number my attorney used. I then got a letter in the mail from Carrington asking for my SSN number, not sure how they can have our loan and not know my SSN. Anyway I filled that out and sent it back along with a HARD COPY of the letter from our attorney asking that statements be sent to us. It 's now XXXX and I have n't gotten a statement. When I called to inquire I was transferred around and no one could give me an answer. Finally I was put on hold by 'XXXX ' and then he disconnected the call.
12/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 94591
Web
At the request of Carrington Mortgage, I have been making my mortgage payment using XXXX Collect since XX/XX/2016. Carrington mortgage is reporting that I made XXXX late payments more than 30 days late for the months of XX/XX/XXXX & XX/XX/2016. However, neither XXXX of these payments were made more than 30 days late. I filed a dispute back at the end of XX/XX/2016 I have submitted my original receipts showing the date and the time these payments were made and Carrington Mortgage has still refused to correct my Transunion, Equifax and Experian. The dispute was closed and all Carrington did was report a different balance to the credit bureaus. The update from Transunion was completed/closed stating " your mortgage balance has increased from {$98000.00} to {$98000.00} which is the same balance. This dispute did n't do anything to update the late payments or nothing to redeem my score dropping XXXX points from this error. The XX/XX/XXXX payment was made on XX/XX/2016 at XXXX PST and the XX/XX/XXXX Payment was made on XX/XX/2016 at XXXX PST. These payments were made on time as an Urgent Payment via XXXX XXXX XXXX XXXX. These payments are sent without delay and sent within minutes. Based on the XXXX policy, payments can be delayed if they made after XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX XXXX. Carrington Mortgage did not acknowledge my payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington did not acknowledge the second payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington mortgage is required to report accurate information to the credit bureaus and they are refusing to correct their mistake. I have attached the original receipts and a letter from XXXX showing that these payments were made before the XXXX days late mark.. No doubt the inclusion of this inaccurate information is a mistake on the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a refinance, which was highly embarrassing and has negatively impacted my lifestyle. Please work with Carrington to do the right thing and have these inaccurate late payments removed from my credit report with all XXXX bureaus.
11/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37013
Web Older American
In XX/XX/2021 I was contacted by a loan officer by the name of XXXX XXXX at Carrington Mortgage Services to do a refinance with them to lower my mortgage payment. I already had my mortgage with Carrington done 2 years prior, Carrington had recently increased my payments. so I requested a refinance and received the Disclosure documents. This was suppose to be an FHA streamline and was told we would be closing in XXXX. On XXXX XXXX was the last time I heard from Mr. XXXX. On XXXX XXXX I called the company after hearing nothing from Mr. XXXX. I was then transferred to a Mr. XXXX XXXX. On XXXX XXXX I received a confirmation number. On XXXX XXXX received information on the closing process for th refinance. On XXXX XXXX received another Disclosure document.. On XX/XX/XXXX, received another disclosure document. On XX/XX/XXXX received an email about an FHA case number. Spoke with Mr. XXXX about paying my mortgage and he suggested I hold off in paying my mortgage because we should close before 30 days On XX/XX/XXXX was cleared to close, then I received another set of Disclosure documents to be signed that night, in which I had technical issues with my computer and those papers didn't get signed that night, and the closing was canceled. On XXXX XXXX received more disclosure documents. On XXXX XXXX received an email that we would be closing on XXXX XXXX at XXXX. Then on XXXX I received an email from Mr. XXXX that the closing was a mistake and we wouldn't be closing on XX/XX/XXXX. Then there was silence no one from Carrington since the closing cancel.On XXXX XXXX I sent an email asking for an update. Received an email back from Mr. XXXX that if we didn't get a closing by XXXX there wouldn't be a closing for XXXX. Spoke with the Supervisor XXXX XXXX on XXXX XXXX explainig that the title company was the hold up for the past 4 month because everytime my mortage balance changes such as paying my mortgage, Carrington has to resubmit the paper work to the title company. I then asked when will this end because I have to pay my Mortgage, He had no answer for when this situation will ever end. On XXXX XXXX I received an email stating that the title company had changed. Something is wrong with all this at this rate it looks like I will never get a refinance closing.
02/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33629
Web
My mortgage with XXXX XXXX XXXX was sold to Carrington Mortgage Services in XXXX 2016. Beginning with my XXXX 2016 mortgage payment, I started making my payments directly to Carrington and it has been a non-stop litany of problems since then. I have yet to receive a payment coupon book. I have now made 3 timely monthly payments, per the terms of my mortgage, yet none are posted correctly without a lot of intervention on my part. I receive harassing calls at work at least once a week saying my account is delinquent despite the money arriving there on time or ahead of schedule. I 've also received at least one delinquency letter. I have yet to receive a XXXX form for 2016 for my taxes. Their website lists one monthly amount due yet their customer service reps indicate another amount is due ( the difference lying in the escrow payment ... not late fees, principal or interest ). I feel this is a pattern of behavior designed at best to generate additional revenues in fees, and at worst, to create an event of default allowing them to take my home despite my making all of my payments on time. My only proof of payment is my bank statements and receipts generating by their website when I make the payments, but I am afraid this will be insufficient in the event that I need to rely on them. At this point I am debating refi-ing my house in the hopes of never having to deal with Carrington again, although they seem to play games during the refi process as well. I am a highly educated, gainfully employed XXXX. I hold a XXXX and know many attorneys through my job and in my personal life ... I do n't know at this point my best option is to send an attorney letter to them or what my best course of action is as I feel powerless over what Carrington chooses to do with my payments and what they choose not to do. The BBB website has at least XXXX pages of complaints very similar to mine ... most of them stemming from mortgage transfers by XXXX and XXXX ... and the company has a XXXX disapproval rating. There are many, many complaints against them on other legitimate, reputable sites as well. I got your web address from the FTC in hopes that you can intervene in some fashion. Their business practices are most definitely predatory and likely intentionally unethical.
07/20/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32832
Web
Since XXXX XXXX I have attempted to do a modification with the mortgage company, Carrington Mortgage. We have submitted documents numerous times and have received numerous letters stating that they had not received documents when we could prove via emails that the documents were sent. In this process my home has been in foreclosure and I hired counsel to help with that situation and the bank continued to move forward with the foreclosure and ignore the request for modification. Finally my attorney advised the Court that the bank was attempting to foreclose on the home at the same time the homeowner was requesting a modification. That the bank continued to ignore the modification. Finally after contacting the Florida Attorney General Office and working with them Carrington forwarded me a modification. At the time of the default I became XXXX overnight by a sever XXXX called XXXX and within the next year or so may be placed on a XXXX list. It has placed me on XXXX and has taken my income from over {$50000.00} a year to now only {$17000.00}. I have been an XXXX for almost my whole life. When I applied for the modification I explained to the bank that I was not able to pay the {$1400.00} payment per month and request a payment reduction. When I received the modification offer they sent me a payment of {$1400.00} per month. I was under the impression the modification was supposed to help homeowners not insult them. Second once I began to review the Carrington monthly statements I noticed that the statement had almost {$10000.00} of fees that were being added for " mold treatment '' and field XXXX fees '' and numerous other things. My home is made of Cedar and would not require any mold treatment and no one has ever been to my home on XXXX XXXX, XXXX to treat my home for mold at the cost of {$5600.00}. I am currently considering bankruptcy due to this modification but a friend suggested that I contact your office. Carrington has spent months coming up with every excuse to not provide me with a modification, and then offer me a modification payment of more than the original mortgage and more than the 31 % of my income. My wife works but we do not bring in the amount of income we did when the home mortgaged. I have lived in this home since XXXX.
01/31/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60624
Web
My loan transferred to Carrington Mortgage Services on XX/XX/XXXX. I have had problems ever since. On XX/XX/XXXX I went to the Carrington website to schedule a mortgage payment. I inadvertently scheduled this payment on the wrong checking account. I have several problems with the system they use to collect payments. 1 there is no option to verify your payment before you complete the transaction. You put the checking account info in and boom the payment is complete. After noting my error, i.e. scheduling a payment on the wrong account ( the account with no money in it ) I called Carrington to inquire on how to delete a payment. The customer service rep told me there was no option on the website to delete a payment. I then explained the situation to the rep. She placed me on hold for two minutes then returned to the call and advised me there was no way to delete the payment. The payment was gone from the system and on its way to my bank. I explained to her I set the payment up five minutes again. She replied and told me the draft ever hour and there was nothing she could do. I told her the payment would over draft this account and cause NSF fees. Please delete the payment she transferred me to a Sr Customer Service Rep of XXXX. I explained the aforementioned sinaro to XXXX and asked her to please delete the payment. She told me the payment was gone and call my bank to place a stop payment on the bank. I told her I did not want a {$50.00}. stop payment fee. She told me that my only option then hung up. These types of servicers using these types of systems create a hardship on consumers. There should never be a situation where you can not correct a mistake. This payment processing software or company is using punitive practices on their mortgage customers. These types of process and practices create an undue hardship on its borrowers. Now Im faced with NSF fees because of how Carrington choose to process payments. I want them to cover my NSF fee and fix their software and allow customers the option to edit or delete and redraft a payment as to not create a hardship on the borrower. Also my bank told me the payment was an EFT and not a check. Its more difficult to place a stop payment on a EFT. This is horrible and must be corrected asap.
12/07/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75115
Web
I, XXXX XXXX XXXX, I am the consumer, natural person, original creditor. It has become a great concern of mine with how I am being handled and ignored by the alleged debt collector, Carrington Mortgage Services. They refuse to abide by federal consumer laws. They blatantly ignore the laws presented to them as if they are beyond the laws. The Fair Debt Collection Protection Act was created by Congress to protect consumers from abusive debt collection practices. Carrington Mortgage Services have invaded my privacy on many occasions. They have ignored the Debt validation letter I sent them on XX/XX/XXXX. They are still sending me communications via the mails. I sent an Affidavit on XXXX XXXX, 2021. It was received on XXXX XXXX, 2021. They have yet to respond to my affidavit. They sent a letter requesting a copy of my driver 's license. They have been communicating with me without that information. It hasnt stop them from sending mail before. But when I asked for the name and address of the original creditor, now they need a copy of my drivers license. I do not trust this company. I think they will go to great lengths to hide their fraud, not to mention Its a delay tactic. Carrington Mortgage Services continue to ignore the federal laws as it pertains to debt, I received ( 6 ) envelopes on the same day with " A notice to Occupant of Pending Acquisition ''. That is blatant harassment and abusing the debt collection practices. They are nothing more than the servicing agent and have no authority to foreclose. This loan was sold several times and it was also placed in XXXX which means the alleged loan was converted to a stock along with being bundled up with thousands of other loans. It is a huge deception to receive payment from the homeowner, and the loan was satisfied 30 days after the closing. Again, it is no longer a loan but it has been converted to a stock. I have repeatedly asked for the name and address of the original creditor. They refuse to provide this information. This information will solve the issue. I am requesting your assistance in getting this matter resolved. I have attached the Debt Validation letter and the Affidavit for your review. Please let me know if you desire more information. Thanks, XXXX XXXX XXXX
06/09/2015 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • OK
  • 731XX
Web Older American, Servicemember
VA assumable mortgage. Deceased veteran ; surviving elderly spouse with only XXXX income ; out of money and ca n't make payments. Mortgage was current at time of contract. Property under contract with good buyer who requested assumption packet from mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. Received assumption packet XXXX XXXX, 2015 and returned completed packet next day. After taking about 4 weeks to review the completed assumption packet and stating that it looked complete and good, XXXX sold the mortgage on XXXX XXXX, 2015 to Carrington Mortgage. XXXX transferred assumption packet to Carrington Mortgage on XXXX XXXX, 2015, but Carrington Mortgage refused to look at the packet or initiate a new assumption packet stating, " We do n't do assumptions. '' It 's a VA assumable mortgage. Veteran 's widow called XXXX VA office to complain. Carrington finally issues an assumption packet 2-1/2 months later. Widow would have been able to pay back payments and selling fees from the sale proceeds if XXXX had processed the assumption as they stated they would do or if Carrington Mortgage had not blatantly declined to cooperate in the loan assumption process. XXXX and Carrington Mortgage delays have caused great financial loss for this widow - unnecessary financial loss. I am a XXXX filing this complaint on behalf of the veteran 's widow who seeks to have XXXX and/or Carrington Mortgage pay the XXXX or XXXX ( it 's not done yet XXXX payments that were caused by their delay. Someone from a property management company has posted an inspection page on the kitchen counter so it looks as though instead of processing the requested VA assumption, the mortgage company chose to take action to initiate foreclosure. Please note, that at the time this property went under contract, the payments were current. This veteran 's widow has been wronged. Written by a XXXX with XXXX years of active business. I know it takes some time to process an assumption, but if XXXX had plans to sell the mortgage, they should not have told us that they were only 2 days from approving the VA assumption. Carrington Mortgage certainly should not have declined to issue an assumption packet or to review the completed assumption packet sent to them by XXXX.
06/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 280XX
Web
In XXXX 2017 I increased my direct draft amount from the min monthly pmt to the next whole {$100.00} 's to add a little bit on the principle payment each month. On XXXX first the larger payment was drafted from my checking account and has successfully drafted on the XXXX and XXXX each month since ( XXXX, XXXX, XXXX, and XXXX ). On XX/XX/XXXX an employee miss applied one of those drafts as a payment all on principle. Since that time the company has called me several times at the beginning of the month and around the XXXX of the month to notify me that my mortgage payment is late. The phone calls began onXX/XX/XXXX. I worked with the caller on the XXXX to identify what the problem was and was told that the error was on their part and that they would fix the application of that payment on XX/XX/XXXX and there would be no further action needed by me. Then XX/XX/XXXXcame and so did more late payment collection calls. Again I went round and round with the customer service department and called back several times the first week in XXXX to get this resolved. I thought it was done until the calls started again on XX/XX/XXXX. Again I explained the problem, the rep looked at the acct history and again I was assured that the problem would be fixed. The XXXX calls actually started on XX/XX/XXXX this time and I was assured by several customer service reps and supervisors that the issue would be resolved, they had expedited the problem up the chain of command and the rep would call me back on Monday to update me on the progress of the resolution. It is now Thursday,XX/XX/XXXX and the rep will not take my calls and when another rep asked her for an update she told them that she did n't have anything to tell me yet so she did n't need to actually speak to me. I have a letter datedXX/XX/XXXX, the day after I was assured the problem would be resolved, stating that my payment is late and " As required by law, we may report .... to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. '' This problem and " late payment '' is not my fault and it is just shy of 2 months since the company miss applied my payment causing me to be late. I need help to get this resolved please.
02/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20721
Web
Due to money stolen from me by my ex-husband and son I became late with mortgage payments. I applied for a loan modification but was denied by Carrington Mortgage Company. I met with a Maryland state mediator and an attorney for Carrington Mortgage Company since I was denied a modification and my place of business was closing. I entered the loan repayment plan because if I did not I would lose my house because the mortgage company said a temporary reduction in salary or temporary loss of employment would automatically disqualify me from remaining in the home I purchased 25 years ago. The loan repayment plan requires that I make a payment of 5100.00 a month for six months. My initial monthly payment amount was 2100.00. Prior to entering the repayment plan Carrington Mortgage was holding ( XXXX of my money in a separate account because they said it was not the total amount of money I owed for a payment before entering into the loan repayment agreement ) During the mediation meeting in XXXX between ( myself, state mediator, and attorney for Carrington Mortgage ), I was told that I could use the {$1800.00} toward one of the {$5100.00} payments, I would just have to call prior to the payment and make a request to use my money they are holding toward a future payment. I called in XXXX and requested to use that {$1800.00} toward my XXXX payment. When I called in XXXX to make a payment minus the {$1800.00} that they were holding I was informed that I could not use this money until I completed the repayment plan. I was also informed that no supervisor would speak to me and that they did not have to provide me with any documentation reflecting that they have the right to hold my money and not use it toward a mortgage payment. Carrington mortgage is holding my money and refuses to apply it toward a mortgage payment. I have two more payments to make. Due to a decrease in work hours and no overtime pay I do not know why the mortgage company refuses to allow me to use the $ XXXX towards my XXXX payment as agreed to verbally during the mediation meeting. Why should the company hold on to money and not apply it toward my monthly payment since I am going through a hardship. So far I have made 4 out of the six payments I agreed to pay.
10/15/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • Closing disclosure or other related disclosures
  • OK
  • 73127
Web
tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. Title 18 USC 1341 ] - Mail Fraud, and [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy. [ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( 12/31/1974 ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ). and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ]. Anti-Bribery Statement XXXX XXXX Secretary of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 1985 ). ]
04/14/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 33056
Web
I am Florida XXXX representing a client XXXX in a foreclosure defense case for her home. In XXXX of 2014, my client applied for modification and made trial payments to the designated company. She made all her payments via money orders purchased through XXXX XXXX. The Case was before a XXXX, Florida Judge. The Court was informed of the modification. The Servicer of her loan demanded that the client provide proof of the money orders being cashed. The Client paid additional money to the have the money orders researched and show proof that they were indeed cashed, when, and by whom. This information was provided to the Loan servicer and the Court. The Court issued an order demanding that the modification proceed and that the foreclosure be stopped because the client had complied with the trial payments for the modification of her home loan. The Client has reached out to the Loan servicer over a dozen times over the past five months since the Court Order was issued. The Loan Servicer has done nothing but give her the run around and claim that her house was sold in foreclosure and threatened to kick her out of her home despite the Court Order demanding the modification. As her attorney, I filed a Motion to Compel the modification and we are awaiting a hearing on the matter. Meanwhile, the Loan Servicer is now claiming that the Client was defrauded by an unknown company and that her trial payments were made to a fraudulent company and NOT the loan Servicer. They are claiming that even though she complied with all the terms of the modification, the company doing her modification was not real and they stole all her trial payments. The Loan Servicer is basically ( after 14 months ) saying we do n't have to do anything for you because you did not modify through a true company and you were defrauded. The problem is, the client complied over a year ago, paid all the trial payments, filed everything with the court as directed, showed proof of the cashed money orders, and is only now being told that she was the victim of fraud. The Client is an elderly woman that has tried desperately and honestly to do all that was asked of her to make things right. And after all her efforts, she is being told she is a victim of fraud.
05/31/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • DE
  • 199XX
Web
I recently lost salary due to a business failure and requested to have a mortgage modification. I requested the modification on XX/XX/XXXX knowing that I would be starting a new job with a higher income in addition to working another part-time job. I submitted the request on XX/XX/XXXX with the offer letter as I had not yet received a pay stub from the new job since I would not be starting until XX/XX/XXXX. Carrington Mortgage then sends by snail mail and letter stating that my application was not complete. This letter was dated as XX/XX/XXXX, however, I did not receive the letter until XX/XX/XXXX and was told that I had until XX/XX/XXXX to upload the documents. Furthermore, the letter incorrectly stated that I had listed rental income on my application and needed to provide proof of income. This is absolutely incorrect. I have rental income but because of past denials due to asking for more and more information each time, I did not list this on the RMA application. I received my first pay stub on XX/XX/XXXX and promptly uploaded this to their website as well as sending an email stating as such. I also explained that it would be impossible for me to have two paystubs since I just started a job. If someone has a loss of income but then gets a better job, how are they then expected to show 30 days of income? This seems counter intuitive and does not help the mortgagee. I have since sent at least 6 emails asking for an update as I want all correspondence in writing. I received one call from a gentleman who I could not understand as he mumbled throughout the entire voicemail. I also received another phone call from a woman who stated she could not leave a detailed voicemail. As of XX/XX/XXXX, I have not received any updates and my online status is still listed as XX/XX/XXXX ( I have the screen shot to prove it ). This is providing unfair and wasted time to me. I have submitted complaints about this company in the past only to be addressed in an arrogant and rude manner as if I am a prisoner. I will also be filing a complaint with my state attorney general this time. Carrington Mortgage is not interested in helping anyone and I do believe they use discriminatory practices in how they assist with modifications.
01/13/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 63379
Web
In XXXX we got a little behind on our mortgage payments with XXXX. We got caught back up but then they sold our mortgage to Carrington before we were able to apply for Mortgage assistance. We were transferred over to Carrington as of XX/XX/XXXX. I applied for mortgage assistance with Carrington in XXXX. I sent the required documentation via USPS on XX/XX/XXXX. I received a letter asking for additional documentation so I called and asked what they needed. I was told that my husband had not signed the signature page and that they needed more pay stubs from me. I get paid one time a month so I had only sent one stub. So, on XX/XX/XXXX I sent the completed packet once again with three months worth of paystubs via USPS. I also uploaded my paystubs to their website. I received a letter dated XX/XX/XXXX claiming they are cancelling my application because I failed to provide the required documentation. When I called them on XX/XX/XXXX, the date I received this letter to find out what was going on and why they had not applied the checks they have been cashing to my account I was rudely informed that I had not turned in the required documentation on time and that they will not apply the money to my account until they have full payment. When I questioned what documents they had not received they told me my paystubs were not sufficient and that I needed to send in a letter explaining that I only get paid once a month. I informed the woman that it is clearly stated on the pay stubs the dates I am paid for. Long story short, I ended up hanging up on the woman because she was not listening. I called out local HUD agency and she referred me to you. SImply, I would like to reduce my mortgage payment because I am currently unable to pay {$950.00} per month and still maintain the other bills I have. I have requested they simply lower our 6.75 % interest rate, but they will not do that. I would like to receive mortgage assistance because I do not want to lose my home. My husband and I both work hard and have jobs, we are not trying to get out of paying our bills, we just need a little help right now. I do have documentation but it is all paper copies. If you would like me to send in my paper documentation I can. Thank you.
12/10/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AR
  • 72204
Web
I am writing this letter because for years I have been back and forward with my mortgage company over my payment history. The loan that I have with Carrington Mortgage, I have made complaint with the XXXX, and in the dispute going through them they stated that there was nothing more that they could do, but advise me to go further on it. There are a lot of complaints on the company similar to my situation. I modified the loan and every since I have had problems even with it, it seems like around the first of every year it they say I owe them a lot of money. I have constantly been going through receiving intention of foreclosure letters and once the company sent me a check back. Now, I have noticed some miscellaneous charges on my account. I have always sent money whether I was working or not. The company also have placed on my credit report that I have filed bankruptcy with them. The information is false I never filed bankruptcy on Carrington Mortgage. I have even had representatives to tell me that I am on a adjustable mortgage, which is not true. I need someone to please help with this. The mortgage company for some reason when I send money they will place it in a suspense account and not apply everything to the loan and when they state that loan late there is still amount in the suspense account. I have used all resources in paying my mortgage, even though the company states if not working I can contact to set up something to help for the hard times, but that does not seem to help, because I tried once when I was unemployed to receive help. This was done before I finally was approved to modify the loan, which I was put through if my ex- husband did not sign they could not do it, but in their rules it stated that if divorced and other things was an exception to that which I was divorced and I and ex was not on speaking terms. I received in my mail today a letter stating that your home is at risk of foreclosure. A non-judicial foreclosure may be initiated 10 days from the date of this letter. The mortgage company right now is stating that I owe {$3300.00}, which they never can explain to me how. I am constantly sending in a payment on mortgage. I even question if a payment was misapplied somewhere else.
04/17/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
Web
My mortgage was transferred to Carrington Mortgage Servicers, LLC from XXXX XXXX XXXX. My mortgage had a final foreclosure judgement already and I had been trying to obtain an affordable FHA modification through XXXX XXXX XXXX. When Carrington Mortgage Servicers, LLC took over, I had to start the modification process all over again. I sent in all requested documentation the required. I am the only one on the mortgage note with my wife, XXXX XXXX being on the title. Carrington Mortgage Servicers, LLC refused to even process my FHA -HAMP modification paperwork until my wife sent in all of her information. They are trying to force my wife to be a co-borrower for any future modifications that might, not guaranteed, be granted. My wife has no income unless you count Food Stamps of {$130.00} a month. She is unable to work due to medical conditions. There is no reason why she needs to be on the mortgage when she wasn't on it in the first place. Also, the are stating that her food stamp is actually {$160.00} a month before taxes are removed. From what I can see, Food Stamps are not taxable and this is not a legitimate claim from Carrington Mortgage Servicers, LLC. On current statements from Carrington Mortgage Servicers, LLC, there are " misc. '' charges under the escrow account as well as multiple property inspection charges, title fees, Automated Valuation Model Fee, Foreclosure Appraisal fee, and a fee for " single item ''. According to HAMP rules and regulations, they are not permitted to continually charge my mortgage account for illegitimate fees or " Bogus '' fees. My wife is being bullied into signing a modification with Carrington Mortgage Servicers, LLC when she is not part of the original mortgage note and no income that would make her beneficial to a modification of the original mortgage note. My wife and I feel bullied, pushed, and forced into the modification Trial Payments that they know do not follow the HAMP Regulations. I also believe that another reason that Carrington Mortgage Servicers LLC is requiring my wife as a Co-Borrower is so that they will have the right to damage her credit as much as they have mine. As well as, have another person to hold liable for the mortgage note.
08/18/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60477
Web
I hope this letter finds you well. I am writing to bring to your attention the recent resolution of a matter regarding my mortgage account with Carrington Mortgage. I believe that the circumstances warrant a request for the removal of late payment entries from my credit report. I want to express my gratitude for the opportunity to address a temporary financial setback that led to some late payments on my mortgage account with Carrington Mortgage. I am pleased to inform you that I have successfully brought my mortgage payments current, and all outstanding amounts have been settled. Given this successful resolution, I kindly request your assistance in facilitating the removal of the late payment notations that were reported to the credit bureaus during the period when I was catching up on my payments. I understand that these late payments may have had a negative impact on my credit history, and I am eager to restore the accuracy of my credit report to reflect my current financial status. I have been a responsible homeowner and borrower for [ number of years ] and have consistently met my financial obligations. The recent setback was an anomaly, and I am committed to maintaining a positive payment history going forward. I have attached documentation that supports my claim of having brought my mortgage account up to date. This includes evidence of recent payments made to Carrington Mortgage, as well as communication acknowledging the resolution of the past due amount. I am hopeful that the Consumer Financial Protection Bureau, with its dedication to ensuring fair treatment for consumers, will be able to assist in this matter. I understand the importance of accurate credit reporting, and I believe that the removal of these late payment notations would better reflect my current financial responsibility. Thank you for taking the time to consider my request. I would greatly appreciate any assistance or guidance you can provide to facilitate the removal of the late payment entries from my credit report. Please feel free to contact me at XXXX if you require any additional information or documentation. I look forward to a favorable resolution and appreciate your attention to this matter.
02/24/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VT
  • 057XX
Web
I have a loan through Carrington Mortgage. I use my bill pay service through XXXXXXXX XXXX to make my mortgage payments. Carrington will take an extended amount of time to process my payments sometimes up to three weeks. When I call in to inquire about the payments, I'm informed that Carrington does not have my check. I will then make the payment over the phone. Then, within a day or two the check that Carrington states they don't have will suddenly try to clear my account. Since I just made the payment over the phone this will result in the check not clearing my account. Carrington then states that I have bounced checks and I have late payments. I get a charge for a late payment and a charge for a bounced check. They do this on the check they state they don't have and I pay over the phone only to have them try to cash that very same check, right after they pulled the funds from my account for the over the phone payment. Now my bank ( XXXX ) has begun sending them payments electronically. Currently, I have a payment that has been pending on my XXXX account for 11 days. Carrington states they do not have the money yet XXXX says they do have the money. This money has been " pending '' electronically for 11 days. Also, Carrington now says that due to my " bounced checks '' I have to send everything in as Certified funds which will result in even longer processing times for my payments. XXXX has kindly written a letter to Carrington explaining the funds are sent electronically and Carrington has never rejected the electronic transfer and therefore has the money. In the middle of all of this, Carrington has reported me as late, charged me with fees and ruined my credit that I have worked hard to build. I am trying to clean everything up and get this account straightened but at this point I feel like Carrington is deliberately trying to ruin my credit, cause me additional fees and try to make this process even more convoluted than it should be. I've only had this account for 4 months and in that time it's been one headache after another. Since they have ruined my credit I'm unable to refinance now and I'm stuck with this very shady company. I'm not sure what to do at this point.
11/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11710
Web Older American
My original mortgage was with XXXX XXXX. In XX/XX/XXXXmy mortgage was sold to a new investor XXXX XXXX XXXX who uses Carrrington Mortagage Services to services their loans purchased. While my mortgage was with XXXX XXXX my house was damaged by Super Storm XXXX on XXXX XXXX, XXXX. I was paid insurance funds from XXXX XXXX XXXX XXXX. My house was fixed and XXXX XXXX who was in control of the monies sent an adjuster out to see what if any repairs were still needed before releasing the remainder of funds. The adjuster came and I was 95 % complete and XXXX XXXX released the funds and closed the claim. In XXXX I was approached by a law firm that they were opening up some of the Storm XXXX cases because FEMA did not payout the correct dollars. My case went to litigation and I won. I was issued a check in XX/XX/XXXX made out to myself and the mortgagee Carrington Mortgage Services as mortgagee. My attorney sent the check to be endorsed to Carrington. Carrington in return did not endorse it and sent it back to me and was treating as a brand new claim. I called them and explained the situation. They had no idea about the re-opening of claims with FEMA. I sent them the adjuster 's one page two line report stating the work had been completed in XXXX. Then they wanted more documents for which I complied. It is now two months after the fact and they still will not let me know if they are going to endorse my check. In the summer I had lost my job and got behind in my mortgage, part of the proceeds from this check I want to use to catch up on my mortgage. Every time I call or my attorney call we get the run around. The last person I spoke with is a XXXX XXXX who is supposed to be an attorney, his number is XXXX. I am working now, as a loan supervisor in a loan servicing department, and I would never do what they are doing to me to a borrower. This started the beginning of XXXX and is still on going. I even told the investor to send someone to do a home inspection, I have nothing to hide, they were going to do it and then Carrington stopped them. This is so unfair to me as a consume and I believe at some point goes against principles in general. Please help me, I do not know where else to turn anymore.
10/17/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • TN
  • 37075
Web Older American
I have a current mortgage with Carrington Mortgage. I have been paying additional payments monthly towards reducing the principal in addition to my monthly mortgage payment. I have received numerous calls and requests to redo my mortgage citing the additional principal payment as the motivation for these solicitations. Last month I gave in to numerous calls from an employee named XXXX @ XXXX who claimed that he could refinance the mortgage and provide me substantial savings. I agreed to let him show me the numbers and he said that to give me the information, he would need access to my credit scores. I agreed to the inquiry and received a lengthy document that I scanned to see just the numbers which did not show a substantial savings. He called after I received the papers and I told him that I did n't want to change anything about my mortgage and I did n't want to refinance. He was aggressive and pushy and I was definite about not refinancing. I received a letter several days after our conversation which was a document " Statement of Credit Denial, Termination, or Change '' described the description of Account, Transaction or Requested Credit as " Obtain residential mortgage financing '', and description of Action taken as " Application withdrawn '' .. I NEVER applied for a mortgage. I was told by a lawyer that this would reflect negatively on my credit and indeed I have copies of the credit reports which state the same. I want Carrington Mortgage to rescind the letter from any credit reporting agency. I should n't have to explain to any potential lending institution that I never took funds from this loan application, because there was never an application made. This action by Carrington Mortgage puts them in the class of XXXX XXXX who sets up accounts unbeknownst to their customers and then charges them interest. I will not be happy until I have in writing that this aggression has been reversed and that I will not have to explain away the actions of my mortgage company through no fault of my own. I never agreed to, signed nor requested mortgage refinancing. It tells me that the way I am paying off my mortgage must be in my best interest, because the company certainly does n't do so.
12/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 027XX
Web
on XX/XX/2018 i called carrington mortgage to check on the status of the account, the rep stated i have to ask some verifying questions one of the first questions was along the lines was are you currently with your spouse? how the XXXX is this a verifying question? i resent this/outside of account number phone number, name address socoial security number or passcode.this line of questioning is out of line and to me a violation of 93 a.if they have a right to askthem fine, but the represenatives at carrington have no right to preface these are verifying questions, carrington does not want to help they just want to FORECLOSE, they cherry pick on what they wish to reply to in complaints and carefully lie with others.also they state that they were given a change of address just in XX/XX/2018 .This is a lie .Borrower has proof Carrington received in XX/XX/2018 but repeatedly ignored requests afterwards to change even though they were repeatedly told..also they had and agent tresspass on my property ( clearly marked ) to hand deliver and open notice stating confidential yet it was not put in and envelope and the other copy was strewn near the road for all to see.i want carrington to respond specifically to these 3 concerns above to do with questionining anout am i still with borrower, why are they handelivering open correspondence with all borrower sensitive persoanl information carelessly placed on my property stating they cant reach us when we have been calling in for ove r2 months now and why carrington states it was just XXXX when they received a change of a address just for there mailings and borrower provided proof through you via email it was last XXXX!!! also carrington tried to lie with there rep XXXX a so called specialist that the 150 day right to cure need not be sent out when it in fact by law had to be redone.CARRINGTON SAY THEY WANT COMMUNICATION YET THAEY MAKE IT DIFFICULT TO OBTAIN ACCESS TO ACCOUNT INFORMATION OR STATUS WITH RIDICULOUS ILLEGAL LINE OF QUESTIONS LIKE THEY DID BEFORE.ALSO BORROWER WANT ADDRESSED IS WHY BORROWERS CAN NOT DISCUSS THESE MATTERS ON A NON RECORFED LINE, ARE REQUEST OF A NON RECORDED LINE SHOULD NOT PRECLUDEBORROWER FROM ANY ASSISTANCE
03/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15206
Web
I start a Commercial mortgage with XXXX XXXX XXXX in early XXXX, Monthly payment is {$1500.00} per month. Mortgage amounts is about {$250000.00}, I set up the auto pay from my bank and set out money every XXXX of the month, everything going well. But in XX/XX/XXXX, XXXX sold my mortgage to Carrington mortgage Service, I still continue send my {$1500.00} monthly payment to the new mortgage company every XXXX of the month. But few month later, They increased my monthly payment to about {$2000.00} per month, I do not know why and called. them they told me they bought a very expensive home owner insurance for me without give me notice, it is about {$4800.00} per Year, it is way too much compare to a regular home insurance for that house! But I have my own home owner insurance! They just do not have the insurance information in their records, I asked my insurance agent and provided my own homeowners insurance to them very soon, also request them stop the expensive insurance soon, but they still continue keep it, cause me double paid a lot of insurance fee for that mortgage in the past 6 month! It is not available. Also, My bank automatically paid my monthly payment {$1500.00} to them every month, they still consider my payment late because of the added extra insurance fee. I have to paid extra {$2500.00} to cover it in End of XX/XX/XXXX, Actually I total paid 9 month {$14000.00} from XX/XX/XXXX to XX/XX/XXXX, if following the original number {$1500.00}, I only should pay 9 month {$13000.00}, I paid extra {$1100.00} on my mortgage! I called Carrington mortgage again in XX/XX/XXXX, they told me they have wrong address in their records, my home address is XXXX XXXX, but their records is : XXXX XXXX, they is why I missed their important letter several times, they said many sorry to me, but still do not want remove the bad credit report for me, Anyway, after the mortgage transaction from XXXX to Carrington mortgage, cause a lot of problems! I called them many times, no one really take care it. Waste my time and money, and also cause my credit score from last years XXXX dropped to XXXX, I am very care about my credit! I always pay in time and do not want owe any one any cents!
04/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 216XX
Web
I sent a previous complaint XXXX ; this is in follow up. In summary Carrington Mortgage took over my loan from XXXX XXXX in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00} at 11.2 % interest rate. I was in touch with them and completed loan modification papers. ( My payments are automatically sent from my account ). The XX/XX/XXXX payment was sent on XX/XX/XXXX and it was returned on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XX/XX/XXXX. ( The letter said my current loan and agreement were still in place ). If that is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It makes no sense to me. Any why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt they were deliberately trying to take my home ; this behavior from them seems to be confirming that. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help. I did consult legal on XX/XX/XXXX and was advised to continue to make the payments and sign the paperwork from the housing counselor ( which I did ). I received a letter dated XX/XX/XXXX stating that as of XX/XX/XXXX my mortgage was transferred to XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX ) and that payments should be sent there. However, as of today, XX/XX/XXXX, I have received no official paperwork or letter of introduction from this new servicing company. FYI - the automatic payment of {$1100.00} sent to Carrington Mortgage on XX/XX/XXXX was returned to my account on XX/XX/XXXX. This is an update the housing counselor is following this case.
11/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33160
Web
In XX/XX/XXXX CMS Carrington Mortgage forces placed insurance, for {$2000.00}. I already had insurance, l paid every year HOC in my condominium which include flood, hazards, and wind insurance, l called insurance department in their office and they mention to fixed, CMS, never intended they overcharged a row an result of an extra payment that put me behind in the loan, my credit was ruin l wrote letters, no success, finally Carrington send me to foreclosure with lawyer fees, on top, l was on XXXX XXXX. Im XXXX XXXX XXXX XXXX on my own, l paid the overcharges to lawyers fees etc. to avoid foreclosure, and wrote letters about the errors requesting moneys back, l didnt received answers about errors, l was not behind .and l paid almost 5,000 dollars to carrington , they never paid me back, or intended to resolved the negligence, In XX/XX/XXXX, Carrington started the same forceplace insurances, l wrote letters, credit ruin again XX/XX/XXXX, l continued making my payments on time they claim l was behind for the forced place insurance overcharges in scrow , XX/XX/XXXX, CMS , still continue errors, not wanting to fixed overcharges, XX/XX/XXXX l was in Disaster Area, due to Huracan in Florida , CMS really create Confusion to the loan, l had made may payments on Time, l have proved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after huracan they overcharges and send me to foreclosure, in XX/XX/XXXX. Not allowing me to reinstate my loan due to the errors they have created. I hired A lawyer to avoid foreclosure and resolved the issue, CMS is not Cooperating to resolved their errors. Im spending 1 1/2 year to resolved situation. And paying lawyer instead of paying my loan, the money is for lawyer fees to avoid foreclosure. This is wrong doing, CMS has 2 class action suit agains them, l was not notify of any, l havent been compensated of any negligence .l founded on the internet. I will like to resolved this matter soon. Is affecting my personal life and health, CMS negligences, I will like to know what is to do next sue this company.?, l need to come back current on the mortgage and they are not resolving, since XX/XX/XXXX, CMS, has taking advantage of this loan and myself as a costumer.
10/26/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • CA
  • 92307
Web Older American, Servicemember
WE HAVE A 30 YEARS FIXED VA LOAN MY HUSBAND IS A VETERAN XXXX 'S ELDERLY XXXX XXXX HIS SPOUSE ELDERLY 100 % XXXX .CARRINGTON MORTGAGE SERVICES IS SERVICING THE LOAN HAVE NOT APPLIED XXXX MORTGAGES PAYMENTS MADE XXXX, XXXX AND XX/XX/XXXX THEY HAVEN'T PLACED BACK IN OUR 'S ESCROW ACCOUNT {$4600.00} ILLEGALLY AS NOT AUTHORIZED OR EVEN DUE IN XXXX XXXX THIS AMOUNT IS MISSING FROM OUR 'S ESCROW ACCOUNT CARRINGTON NEVER SENT THE REQUESTED DOCUMENTS ESCROW ANALYS, MONTHLY MORTGAGE STATEMENTS HAVE REFUSED TO LET US REPAYING XXXX 10 MONTHS FORBERANCE DIVIDED IN XXXX OR 16 MONTHS THEY REPORTED A FALSE LOAN BALANCE OF $ {$590000.00} TO ALL CREDITS BUREAU 'S THEY REPORTED US ILLEGALLY XXXX OUR 'S CREDITS WITH THE XXXX BUREAU 'S XXXX XXXX AND XX/XX/XXXX FALSELY XX/XX/XXXX WE PAID {$4500.00} TO STARTING PAYING OUR 'S MORTGAGES THE MONEY 'S DISAPPEARED THEY ARE REFUSING TO REIMBUSED US {$1000.00} FOR A REFUND CHECK ISSUED BY CARRINGTON TO XXXX XXXX XX/XX/XXXX MAILED TO US XX/XX/XXXX XXXX CAN NOT BE CASHED. BECAUSE EXPIRED THEY CHARGED XXXX WITH LATE CHARGES ILLEGALKY UNDER THE VA XXXX XXXX AND XXXX XXXX XXXX ILLEGALLY LATE UNDER THE COVID XXXX EMERGENGY LAWS THEY NEVER MAILED XXXX OUR 'S MONTHLY MORTGAGES STATEMENTS WE HAVE ONLY 2 MONTHLY STATEMENTS LATE FEES LATE CHARGES ALL KIND OF UNFAIR ABUSES AND ILLEGALITIES WE ARE SUFFERING AND HAVE SUFFERED ILLEGALLY NOW BY PHONE THEY TOLD XXXX THAT THE XXXX TRIAL PAYMENT 'S NEVER REQUESTED OF {$5000.00} HAVE BEEN CANCELLED THEY NEVER REPLIES OR SENT ANY LEGAL INFORMATIONS REQUESTED ALL THE REQUESTED ESCROW ANALYSIS RECORDS THE PAID PROPERTY TAXES RECORDS THEY TOLD XXXX THAT THEY WANTED ILLEGALLY MODIFIED OUR 'S LOAN WITH VA VETERANS INTERESTS FROM 2.875 % 30 YEARS FIXED LOAN TO 7.92 % predatory INTERESTS FOR A LOAN MODIFICATION NEVER REQUESTED WE WERE IN FORGIVNESS PROGRAM AND WE GOT APPROVED OUR 'S BALANCE OF 10 MONTHS FORBERANCE IS XXXX AND WE WANTED TO RESUMING OUR 'S MORTGAGE PAYMENT 'S IN FACT WE PAID XXXX XXXX {$4500.00} WE NEED HELP WE HAVE BEEN ABUSED I CALLED XXXX VA THEY GIVEN THE PERMISSION TO CARRINGTON MORTGAGE SERVICE TO INCREASED OURS VA XXXX XXXX POINT TO 3.875 % THEY ARE NOT REPLYING TO XXXX EMAILS WE NEED HELP ASAP!!!!
11/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77573
Web
Our home was severely damaged due to Hurricane Harvey. We had up to two feet of water flood into our home. We did not have Flood Insurance as it was not required at our address. FEMA graciously gave us a great sum of money to repair, but it is no where near what we need. Therefore, we have applied for and received a loan from the XXXX to rebuild. However, to continue the line of credit with the XXXX, we are required to get a " Prior Lienholder Agreement '' filled out, signed and returned by our mortgage company. We contacted our mortgage company, Carrington Mortgage Services , LLC, to find out how to send the form. We were given a fax number but no other means of contact. On XXXX XXXX, XXXX, I sent my first fax, requesting the form be filled out and faxed to the XXXX etc. I also requested that I be contacted when the form was received, so I could ensure it was being taken care of. I also let them know that if I received no confirmation, that I would continue to fax the form daily. I was able to verify that the form was sent to a different department within Carrington Mortgage Services , LLC, but again, there was no way for me to speak directly to this department to verify handling. I continued to fax the same letter every 24 hours ( during business days ). After 11 business days, on XXXX XXXX, XXXX, I redrafted my cover letter to again ask for the form to be filled out, contact to verify expedience, and to let them know that after 15 business days I would pursue filing official complaints. On XXXX XXXX, XXXX, I sent my last attempt, a full 16 business days after initial contact. Again, I redrafted the cover letter to make sure they were aware of my intentions. As of today, XXXX XXXX, I have not received any contact from Carrington Mortgage Services , LLC, that they have received or are handling the request. I have also verified with the XXXX that they have not received the form. It is in Carrington 's best interest to return the form to the XXXX immediately, as it allows us to make necessary repairs to the property. I have attached the three different faxes I have sent to Carrington, and I have copies of all Facsimile Transmittal Receipts if proof is required.
11/18/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 32210
Web Servicemember
In XXXX I told Carrington that I had became XXXX and no longer able to work, that things were getting tight as we are adjusting losing a XXXX salary. They said there is nothing they could do becuase I was current and that I had to be in default before they could help. I said the biggest reason i am having troubles is from them preventing me from refinancing the house and then when they bought my mortgage added fees and raises my payment. They said nothing I they can do until in default. So I stayed current, so then my whole family got XXXX in XXXX wife missed a lot of work my brother had XXXX had to stay with us he passed away XX/XX/XXXX. We were in bad hurt. Then the hurricane hit and wife lost more work so I asked again in XXXX telling them same answer I must be in default first. So then I talked to VA they said I can get disaster relief from storm so I called back they said no I'm not in default. So I waited until XX/XX/XXXX now I am one day in default. They took an app for disaster relief then they told me three days later I couldn't do disaster relief. That I don't qualify for any sort of relief as I am not working but I do qualify for XXXX. So I did that. They said it would stop everything and I can figure things out. Which I thought was perfect im not in a real bad shape I just have to rearrange from becoming XXXX and trying get straight that in three months the money I use on mortgage can clear up and all will be fine. But then a week later the big surprise comes. I get a phone call from someone wanting to buy my house says he can see I am in preforeclosure. What wait how no I am not he knew I was behind and how much that bank sold my information for profit to XXXX who XXXX XXXX XXXX me that and had me drop to my knees in panic. I called bank they said that I still owed for XXXX, yall told me once I filed it would all be handled well not really becuase you filed in XXXX you owe XXXX yall told me I couldn't file until i was in default I know sir I'm sorry that's the rules. She hung up. Yesterday I got a letter saying I owe that one payment plus thousands in other fees it not paid in 35 days they will foreclose. While I'm I'm covid forbearance I need help
03/14/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • OR
  • 97211
Web
Issues I have with Carrington are the following : 1- Carrington has neglected to respond to our Faxed/Telephone/Email request for the following : Payment of {$1400.00} was made on XX/XX/XXXX to bring my property tax that I was behind to {$0.00}. Carrington had already paid property taxes for the XX/XX/XXXX/XX/XX/XXXX before I made this payment. So that from this date forward Carrington would be able to collect escrow for the next years taxes and continue to show me current. This has not been the case! Also the payment I made is not reflected in the 12 month history and the Research department was asked to work on this and had 30 days to come up with a solution to what happened and has neglected to respond. To confirm that payment was made I have the online bill paying receipt # of XXXX received from Carrington that very day [ XX/XX/XXXX ]. 2- On XX/XX/XXXX I started, with my counselor from XXXX XXXX XXXX for Homeownership, a program with Carrington to " catch-up '' my property taxes that were in the negative. The representative [ XXXX ], was going to provide a 3 year program to become current with my property Taxes. I sent a Qualified Written Request [ per XXXX 's advice ] to ask for a 5 year program to catch up my properly taxes and Carrington came up with a 3 year program instead. My problem is I have no record that I am in a 3 year program. No record of a correct escrow. The escrow is showing funds I have asked to be put on my principle [ I paid extra and made sure I requested " for principle only '' ] are showing up on Escrow and yest instead of escrow going down it has gone up. Please explain to me in simple terms how this can happen when as in # 1 above shows I was current. Also in this arrangement I confirmed with Carrington that there was no penalty for early payoff. 3- Because of the Carrington 's Escrow 's many inaccuracies, my payment [ PITI ] has never gone back to what it should be. I received a XXXX % Loan Modification through XXXX that brought my payment down to {$510.00} [ PITI ] and has never been this mortgage payment with Carrington. I would like to have an explanation of why I am not making my HAMP Modification payment of {$510.00}.
06/02/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 73099
Web
XXXX, 2015, I submitted a mortgage payment in the full amount owed of {$1900.00} on XXXX XXXX, 2015 to Carrington Mortgage, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. With previous months being current, this payment was to satisfy XXXX 's required principal, interest and escrow payment in full. Although late fees remained unpaid at this time in the amount of {$73.00} for XXXX non-sufficient ACH returns, the full amount of {$1900.00} was received, tracked and debited from my account by my credit union, but not applied to my XXXX balance with Carrington Mortgage. This action caused my account to become XXXX days past due and Carrington Mortgage submitted this payment history to the credit bureau. Upon further verification through my credit union about the payment in question, it was confirmed that {$1900.00} was in fact paid to Carrington Mortgage on XXXX XXXX, 2015. In a good faith effort, I made no fewer than XXXX calls in the month of XXXX and XXXX to Carrington Mortgage 's customer service department and to their immediate supervisors to resolve this matter. The constant response was to deny that XXXX 's payment was ever received and that my best resolution would be to work with my credit union. On XXXX XXXX, 2015, following the instructions of Carrington Mortgage, I submitted a Written Statement Of Unauthorized Debit to receive the {$1900.00} in the form of a credit back into my account so that I could withdraw official cashier funds to re-apply XXXX 's payment to my account. Ironically, XXXX 's payment of {$1900.00} was now due, but still within the grace period were no late fees were assessed. Again, in good faith, I withdrew {$4000.00} total on XXXX XXXX, to cover XXXX XXXX, XXXX and any other fees outstanding on my account. On XXXX XXXX, Carrington Mortgage acknowledged receipt of these certified funds, but chose to apply them in a manner that now reflected an outstanding balance for XXXX, 2015. After several more calls between XXXX my credit union and Carrington Mortgage, I 've concluded this is my final option for recourse to insure the funds I paid are applied correctly and that any negative credit reporting be reversed from my records.
02/08/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23061
Web
Carrington Mortgage bought out our loan from XXXX XXXX XXXX in XXXX, 2016. We did receive a letter from XXXX XXXX XXXX stating that our mortgage was moving over to Carrington but never received information from Carrington on how to pay my bill. As my payment was due XXXX XXXX and by XXXX XXXX I still had n't received a notice I called Carrington Mortgage to find out that they had n't even put the account through the system and it would be up to 2 weeks before they did. I was able to get an account number and the representative told me for the first 90 days there would n't be a late fee added as long as the payment was received by the end of each month. I verified this information with her twice and made sure payment was made by the end of each month knowing by the 4th month it was back to regular due date. However on the XXXX and 3rd months I was not able to make a payment online as it kept getting rejected. I called Carrington and they stated the bank routing number was incorrect even though it went through the first time. I had to call back several times to get that issue straight. On the 3rd month the routing issue came up again and after a call to Carrington clearing it up the representative stated by Friday it would be unblocked and I could make the payment, there would be no late fee charged because it was their error. I tried all day Friday and all weekend to make the payment just to get the same error. On Monday I called again to find out I had a late fee for non payment. They finally agreed to waive that late fee but did not waive a fee I was charged for paying past the due date even though I was told I had til the end of the month. We were told the original representative that told me I had the first 90 days without a late fee was no longer working there and I was responsible for the late fee even though I was told the wrong information. We have never been late on a mortgage payment and due to this false information we now have a record of being late plus the expense of the late fee. When we called FTC a few weeks ago she stated that we were not the first complaint she had for them that day alone. On the BBB record they have a XXXX negative rating.
09/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MN
  • 55443
Web
I applied for Mortgage assistance with Carrington Mortgage for the second time on XX/XX/XXXX because my loan is in foreclosure and I am having trouble making the payment and getting the loan current. Before that I applied around XX/XX/XXXX and they came to decision and denied me because I did n't have enough income. I applied again on XX/XX/XXXX because my income changed. It 's NOW XX/XX/XXXX and I still have not had any progress with Carrington mortgage to resolve my issue. The normal process takes 30 days to reach a decision if they can help or not and I have n't got to that point yet because I 've been getting the run around. The issue I am having with them is that they keep asking for the same paperwork and documentation to complete their mortgage package. ( divorce decree, other borrower financial information, letters of explanation, etc. and they keep asking for a Quit claim deed from the other borrower who has no interest in the property since I was granted my divorcee. Also I was abused by the other party and there is a current OFP on file for the next 50 years that the other person can not contact me. I have talked to several employees and Supervisors about this issue and no one seems to know why they keep requesting the same information from me and keep opening and closing my file when they know my foreclosure date is approaching very soon. I have faxed, email, and uploaded everything they needed to start the process and I have not got anywhere. In Minnesota you have 7 business before the foreclosure date to submit a request for mortgage assistance and do to this issue I am concerned that I will not meet that deadline. My situation is complicated and I would like to explain in more detail in person or the telephone. Since I have started this process with Carrington mortgage I have suffered a lot of emotional stress, pain and anxiety because I have done everything I need to do to keep my home and I feel Carrington mortgage is not understanding to that. If possible I would like all the notes and phone calls pulled from them so someone can see in detail what I have been through these last 3 months. Please if you can help I would appreciate it. Thanks
02/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 970XX
Web
On XX/XX/2019 Carrington Mortgage called my wife at work " needing to talk to her about our loan ''. After a lengthy back and forth with the company she came to realize they were just calling to have us make our monthly payment sooner. As per our loan agreement, payments are due on the first but not late until the 15. We are not delinquent in our payments and make our payment on or before the 15 via electronic payment EVERY month. They called acting like we were behind on our payments and asked if we would " like to make arrangements to pay on the first ''. We have had loans serviced by multiple companies and have never had them call us asking to make payments sooner than our loan agreement states and this includes Carrington as they have serviced our loan for many years now. We made our payment as usual but this time it " failed to process '' on time and coincidentally were charged a late fee for the first time in years ( only 1 time in 10 years did we have a late fee which was legitimate ). We called customer service and they reversed the charge and processed our payment over the phone on XX/XX/XXXX assuring us this wouldn't happen again. Today, XX/XX/2019 we got a call from Carrington at XXXX XXXX asking us to verify our loan info. When we refused until we knew what the call was about the caller said that was against policy until they could verify our identity. We asked to speak to a manager and were also told that that was against policy and we were unable to get more info on what the call was about. Concerned that this was a scam we called the company back and they verified they had called us again wanting to " make arrangements for payment '' of our loan still not late for 10 more days. We told them directly to take us off their call list and not contact us unless there was a problem or emergency with our account. We have never had harassing calls from a creditor when we were NOT delinquent in payments and this seems to be a new practice for Carrington as of XX/XX/2019. Our loan agreement is fixed and has not changed so we would like them to respect the terms of our agreement without complaint as long as we continue to do our part. Thank you.
12/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 39042
Web
My mortgage originated with XXXX in around XXXX. It the went to XXXX XXXX and the servicers were XXXX, then XXXX and now Carrington Mortgage Services. During these shifts I was told I was behind, which I do not remember ever not paying my mortgage ; however, I did ask for a modification with XXXX and was declined. At that time XXXX XXXX XXXX took over, then when XXXX took it I was again told I was behind. Due to their aggressiveness I filed a chapter XXXX in XXXX, with no other credit issues but the mortgage. I filed with a lawyer who made a comedy of errors and I had to retain new council. I was given the wrong amount for payment for close to two years and was sending in an underpayment. The bankruptcy court alerted my attorney and we made a plan to make larger payments to put it back in correct status. XXXX and Carrington both had representatives who verbally told me the amounts sent in from the trustee were a mess and needed to be audited ( repeatedly ). It also appears to me the trustee failed to pay a note or more than one note, as one of the attornies in the trustee 's office was fired. While with XXXX, I asked for an accounting the rep told me an estimation, and I got the amount he gave of approximately {$2000.00} out of my XXXX to pay. He said they would do an audit and he estimated I would still owe approximately {$500.00}. It then went to Carrigington who gave me a bill for $ XXXX in XXXX or XXXX of XXXX which I paid. They then showed I didn't owe anything for several months when I looked on line, not sending me any statements. After a couple of months I started making payments by mail as they blocked me on line. I have no idea if their figures are correct, no one will give a full accounting for the life of the loan as I have requested from each of the servicers. I have tried to get information from Carrington including initiating a loss mitigation program with Carrington and that has failed. I have bills from Carrington which contradict each other in the amount I owe and I have received a foreclosure notice for a sale on XX/XX/XXXX. The problem is that I can not seem to determine what is actually owed on the mortgage to bring it current.
09/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • SC
  • 29016
Web Older American, Servicemember
I OTAIN A LOAN IN XXXX FROM XXXX XXXX XXXX XXXX THEY RETURN FILE IT IN A BOGUS TRUST THAT WAS FAKE THE FEDERAL GOVERMENT SHUT THE MORTGAGE DOWN IN XXXX MY PAYMENT WENT UP FROM XXXX TO XXXX IN A YEAR I MANAGE TO PAY IT UNTIL XXXX, A COMPANY CALL WITH NAME CARRINGTON MORTGAGE TO SEND PAYMENTS TO THEM XX/XX/XXXX XXXX SO I DID IN XX/XX/XXXX I WROTE THEM ASKING TO VALIDATE MY LOANS AND ALL THE PAYMENTS THE SAID THAT THEY COULD NOT ONLY COULD DO XXXX I DISCOVERSD THEY WAS THE WRONG COMPANY THAT I WAS PAYING I STOPED IN XXXX A FORECLOSER WAS FILE I FOUND THAT A FAKE MORTGAGE ASSINGMEMT WAS FILED IN THE COURTS XXXX THEY DROPED THE CASE AFTER LOOSEING A SUMMARY JUDGEMENT CAN BACK IN XX/XX/XXXX CASE NUMBER XXXX IN XXXXI FILED A MOTION TO STRIKE THE FAKE ASSINGMENT FROM THE RECORD THE ASSINGMENT WAS THE SUBJECT MATTER OF THE FORECLOSER GAVE THE STANDING TO FORECLOSE, COURT GRANTED ME THE MOTION BECAUSE THE WERE NOT THE RIGHT PARTY .XXXX XXXX XXXX XXXX AS TRUSTEE IS THE ONE WHO SUPPOSEDLY FORECLOSEING BUT THE TRUST DONT EXIST DBNT HAS A VERY LONG HISTORY OF CRIMES MORTGAGE FRAUD TAX EVASION MONEY LAUNDERING BILLIONS OF DOLLARS IN FINES THE HAVE CORRUPTED LAWERS FILEING FAKE DOCUMEMTS IN COURT THEY FILED A MOTION TO DENY MY RIGHTS TO A JURY TRAIL A YEAR AGO MOTION PENDING, SO THEY FILE A ORDER TOHAVE THE MASTER AND EQUTY JUDGE XXXX XXXX SO HE RECUSE HIM SELF WITH OUT A HEARING DUE PROCESS SO HE PICK A SPEACIAL REFEREE XXXX XXXX XXXX .NOW XXXX XXXX AND THE BANK LAWER WHO ARE TRYING TO FORECLOSE XXXX XXXX WORKED IN THE SAME LAW FIRM AT ONE TIME THE JUDGE SHOULD HAVE NONE THIS THIS CASE SHOULD BE SCHEDULED TO BE HEARD BY A JURY IN CIRCUIT COURT JUDGE THE ARE TRYING TO GET THE COURTS TO DO DIRTY WORK BECAUSE THE LIED AND CANT PROVE THEY HAVE THE RIGHTS TO FORECLOSE THEY ARE SO CORRUPED I FEAR FOR THE SAFTY OF MY FAMILY I CAN EXPLAIN IN MORE DETAILS IF NEEDED PHONE NUMBER XXXX I AM GOIN TO TURN THIS OVER TO THE FBI ITS TO DANGEROUS THE BEEN HARASSING MY FAMILY AND TRYING TO FORECLOSE FOR 12 YEARS I HAVE A LAWER AND HE IS AFRAID I AM A XXXX XXXX XXXX XXXX XXXX XXXX I FOUGTH FOR MY COUNTRY NOW I FIGHTING TO SAVE MY HOUSE IN THE COUNTRY I WAS WILLING TO DIE FOR THANKS
04/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • IA
  • 50310
Web
Good Evening, I am reaching out to you this evening to file a complaint against Carrington Mortgage XXXX # XXXX. The reason for my complaint is due to clear TRID violations, on top of what I deemed as threats to either close my loan, or not be provided the credits owed to me through my rate lock agreement and good faith cures. I am currently going through a streamline refinance with them since they currently service my loan. The main issue I have is that throughout the process they never disclosed any title fees associated with the loan. They did provide me with a SSPL, but not once did the loan estimates that I received have those fees. Once they disclosed the closing disclosure to me there was over {$1000.00} worth of title fees disclosed. I pushed back asking what valid change they had all of sudden to charge those and without that this was a violation of the regulation. After some back and forth, they agreed it was an issue stating 'system ' problems and worked to provide me an update disclosure. When I received that updated disclosure I noticed that they cure they provided me was not accurate. The cure was almost {$300.00} less than what it should have been per the regulation. I again pushed back stating this was an issue. At one point I was even asked what I thought the cure should be. I was finally provided an updated closing disclosure, but it was followed up with a we need to close 'or else ' scenario. I informed them that less than 24 hours to review the documents was not enough time. The response I received was if we ca n't close this month we can not provide you with the credit for the rate or the lender cure for the fee violation. My rate is locked through XXXX/XXXX/16. To help provide a little background, I am compliance manager at a local mortgage company. I am working to get this resolved, but my concern is how this company is treating other customers. I am lucky enough to know what is right and wrong, but there are others out there that do not. I have copies of all my disclosures as well as email communications with the lender that document these issues. I would be more than happy to provide them if someone were to contact me.
08/28/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 76065
Web
In XX/XX/XXXX, I contacted a reality company about doing a short sale on our property. We signed with them to do the short sale process and submittal of all of the paperwork. The reality company said to not make any improvements or any future payments because we were trying to do a short sale. The bank took until XXXX to respond to our short sale offer of XXXX which is the appraised value of the house. We were offered a loan modification but opted out because we did not want to keep the house due to being 48 % upside down, low income housing filled the empty lots in our neighborhood, and we had a home invasion in XX/XX/XXXX and theft the day we moved out. Plus financially we could not afford to keep the house which is the hardship we claimed on the shot sale. We vacated the house in XX/XX/XXXX to aid in the house being shown and move in ready. The reason for the denial was my credit score was above XXXX and that is the only reason given. We listed the house immediately in XX/XX/XXXX We had XXXX showings, but no offers. Our realtor decided to try again for a short sale since all of the non payments on the house have reduced my credit score below the XXXX and my Wife lost her job on XX/XX/XXXX so that added to the hardship. We started the process on XX/XX/XXXX and we received a certified letter on XX/XX/XXXX from XXXX XXXX XXXX, XXXX for the acceleration of maturity and stating that the house will be auctioned off on XX/XX/XXXX for XXXX. According to the paperwork, the house went into foreclosure status on XX/XX/XXXX. This is the only notice that we received about the foreclosure status and the process even starting. All of the new financial information and a new short sale offer of XXXX was submitted on XX/XX/XXXX. On XX/XX/XXXX I was informed by my realtor that Carrington Mortgage informed her that nothing would stop the auction from taking place on XX/XX/XXXX except for catching up the payments. I believe that since I still have PMI, auctioning the house and claiming on the PMI is the only way for the bank to get all of their money and that is the reason for not accepting 2 fair short sale offers and accelerating the maturity of the loan.
09/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MT
  • 59718
Web
I has denied my FHA refinance loan at closing because Carrington Mortgage Services LLC took OVER 120 days to finalize my loan approval, and the issues that developed with Covid-19 and my age and being in a high risk category for contracting and possibly XXXX from the virus. I unexpectedly had to change jobs one and a half weeks BEFORE my closing was to be scheduled by Carrington Mortgage Services due to the risks at my existing job and contracting Covid-19. For my health and safety, I had to switch jobs where I did not travel across several states each month. exposing myself to disease contraction at gas stations, hotels, rest areas, and restuarants. This change was necessary on XX/XX/2020. I applied for my loan with Carrington Mortgage LLC in late XXXX of 2020. The refinance loan was approved in XXXX of 2020, after 90 days of very slow progress on Carrington 's part, yet no date was given for closing at that point. Carrington Mortgage LLC did not consider my FHA loan a priority and it was placed at the bottom of their list to complete. By the time they decided to talk about closing it had been OVER 120 days since I had applied. They denied my loan at closing because I had to unexpectedly change jobs for my health and safety even, though the approval of the loan came from them in late XXXX. I was discriminated against do to my age, high risk and XXXX involving Covid-19. I lost over {$900.00} in paying for the property appraisal which showed my home as XXXX over the market price of what Carrington 's paper work had listed. Because of Carrington Mortgage LLC 's inefficient and prejudice methods of processing loans, particularly FHA loans versus their conventional loan applications from clients with higher credit scores and less misfortunes, I was not able to refinance my home, and have experienced extreme financial and emotional duress. I was denied my refinance because I could not hold on for over 4 months at a job that was risky and possibly deadly to me due to the pandemic. This is discrimination and preferential treatment of loan applicants by XXXXarrington Mortgage LLC. I have also filed a complaint with HUD against Carrington.
03/20/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 710XX
Web
My previous Mortgage Servicer sold my loan to Carrington Mortgage Servicing in XXXX 2013.Prior to the transfer, an Escrow Analysis Report was completed and my payment lowered as a result.A few months after the loan transfer was complete i received a new Escrow Analysis that was completely different from what i had been given by my previous servicer.Carrington Mortgage Services or CMS stated i had an Escrow shortage, and as a result my payments would go up.I immediately knew something was not right, but after reading and hearing how poorly this company was rated in customer complaints/reviews, i decided to send in the entire shortage amount to keep my payment from going up.I called CMS service number and was u nable to reach anyone after XXXX.After XXXX days, i spoke to XXXX of their reps to get instruction on sending the amount in.After speaking with the person, i wrote a check and mailed it to their stated address with all information requested.On my next statement i noticed it had been received, but instead of applying my money to the so-called " shortage '', they put it as being in a suspense account.I called them only to get a very XXXX girl on the phone who blatantly lied to me, telling me she had requested it to be moved into the Escrow account to correct the shortage it was sent for..Needless to say, this did not happen.After calling them XXXX different times and being told the same false information, I am furious at this company for refusing to process my Escrow payment.They had the nerve to send another Escrow Report this month telling me there was now a XXXX shortage, on top of keeping the previous amount i sent in.This Mortgage Servicer is crooked, dishonest and determined to force people into account issues, even if they have current status.Their Customer Service is poorly trained, expected to lie and ranks at the bottom of the list with consumers.Some have had terrible experience with this company, and i fear enough that i am searching for a way out from under this company.Their practice of frauduently increasing mortgage payments through bogus Escrow analysis claims must be stopped.I want my previous servicer back.
02/19/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 24012
Web Servicemember
We had a Loan Modification, on our VA home loan, that started in XX/XX/XXXX with XXXX and in XX/XX/XXXX XXXX sold our loan to Carrington Mortgage. We stated we had the loan mod documents and have been paying on time and sent the documents. XXXX stated they sent the documentation as well and had Fax confirmation that Carrington received. Carrington stated not to worry as our documents were under review and they had us under forbearance until our account was updated on their end. Finally, in XXXX, they stated we have a better interest rate and to sign new loan modification which would start in XX/XX/XXXX, which we did. In XX/XX/XXXX, Carrington stated they had to return to the loan mod that XXXX had us sign. We contacted Loan Administration section of Loan Guaranty through the Department of Veteran Affairs, and XXXX finally had us re-sign again on XX/XX/XXXX, for the agreed amount starting XX/XX/XXXX. During the time that this was all in flux, we started making on time payments in XX/XX/XXXX to XXXX according to the loan modification. In XX/XX/XXXX we started paying Carrington. The only month we did not pay was XX/XX/XXXX, because they said no worries you are under forbearance and your new amount starts XX/XX/XXXX. We are still waiting for them to update our account with the correct payment information. Also, they reported to the credit bureau in XX/XX/XXXX that we have been 180 days late. After speaking with Carrington, they researched and told us they made a mistake, which they could not fix internally, and we had to report/dispute to credit bureaus in order to fix this. Reporting that we were/are 180 days late has caused both mine and my husbands credit ratings to plummet about 80 points each. This company has been giving us the run around ever since they took over our account last year. The false reporting has created a problem, we were planning to obtain a car loan but will have to wait for our scores to be corrected. This has caused undue stress and harm since Carrington Mortgage took over our VA home loan last year. We will be happy to provide additional information and documentation. Thank you for your time.
10/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78757
Web
I have a loan with the lender, and I was attempting to pay the loan off early with their online services. I have had the loan on auto draft payments since the birth of the loan. The loan was acquired in XXXX through one mortgage company and then transferred to Carrington a few years ago. I have never had a late or missed payment until this alleged " missed '' payment. In early XXXX of XXXX, I made an additional payment on my loan and paid the max payment I was allowed to through their online portal. The payment was in the amount of {$9900.00}. Then on XX/XX/XXXX, I put in a request to increase my loan payment by {$1000.00} a month in order to pay the loan off faster. On XXXX, XXXX the auto draft payment was confirmed, and Carrington notified me that the new auto draft amount would start XX/XX/XXXX. I believe there must have been a glitch in their system, and the XX/XX/XXXX auto draft payment was cancelled. Between the {$9900.00} payment and the request to increase my monthly payment, the system suspended my auto draft payment for the month of XXXX. I did not suspend the payment. Carrington said they mailed me a letter on XX/XX/XXXX notifying me of the missed XXXX payment. I did not receive this letter. Since XXXX of XXXX, I have made additional extra payments on the loan. At some point, Carrington must have applied money from my additional payments to the " missed '' XXXX payment, therefore no other attempt was made to contact me regarding the missed XXXX payment. I was not made aware of this issue until last month when I was attempting to take out a loan. My loan officer notified me of an issue with my credit score, and this is how I found out about the issues with Carrington. I have attempted remediation with Carrington, and I have requested that they withdraw the negative report sent to the credit bureaus. They have refused to remove the negative information sent and claim that I am still at fault for the missed XXXX payment. I am distraught that my attempt to be financially responsible has resulted in a bad mark on my credit score that will haunt me for the next 7 years especially since this was no fault of my own.
07/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 279XX
Web
Recently, my mortgage had to be reinstated following the threat of foreclosure. To reinstate the loan, I was required to pay {$20000.00}. I have since discovered that monthly mortgage payments I made XX/XX/2020 and XX/XX/2020 were never applied as payments on my loan. For some reason, the checks were held in suspense and I was told recently by the call center agent when I telephoned that Carrington applied these payments to the insurance account that has been established by XXXX XXXX for damage to my home by Hurricane Dorian. Check # XXXX was remitted XX/XX/2020 and not presented by Carrington Mortgage to the bank for payment until XX/XX/2020. ( 103 days for processing?! ) Check # XXXX was remitted XX/XX/2020 and not presented by Carrington Mortgage to the bank for payment until XX/XX/2020 ( 59 days for processing ). After all that time, the payments were not applied correctly! Im sure many of the late fees on my account were applied during the time of delayed processing. These checks were written from a company account : XXXX XXXX XXXX XXXX, with the loan number clearly written in the memo line. The checks were mailed with the Carrington Monthly Mortgage Statement. Obviously, whoever processed the checks didnt know what they were doing and therefore put them in an insurance account in suspense. Did that person consider contacting me, the borrower, if they had a question? Have these payments been withheld intentionally with the view to charge late fees, attorneys fees, and other unknown fees? Did Carrington want to force foreclosure? With the payments misapplied, the loan went into foreclosure. Two checks that were made for subsequent payments to bring the loan current through XX/XX/2020 ( {$4200.00} ) and again through XX/XX/2020 ( {$1800.00} ) were returned to me uncashed citing that the loan was in foreclosure. I made each payment using the Monthly Mortgage Statement, even though I knew they were most likely incorrect. I have been charged fees that should not have been charged. Additionally, I have been harassed by lawyers, and no doubt have had my credit affected by the mismanagement of all these remittances.
01/11/2016 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • FL
  • 34711
Web
I applied for a mortgage loan with Carrington Mortgage company and the entire process was a headache. When they found out we wanted a manufactured home, instead of a traditional home, the person handling our loan, XXXX XXXX, spent half of our correspondence via email speaking on how " nearly impossible '' it would be to get approved for a manufactured home, and that I should keep looking for a traditional home as a back up. We told him we wanted this home and will do what we need to do to get it. Every time he asked for documents, we submitted them, then he reassured us it would be a long shot. His entire demeanor was unprofessional and negative. We paid for a full inspection of the home that detailed every aspect of the home, yet XXXX wanted us to pay for an additional inspection on the roof once the inspection came back in good condition. That was a waste of {$100.00} because ( in my opinion ) what he needed to know was in the original inspection. However, we spent more money and did it anyway. So, we get to within 30 days of closing, and he sends an email to my wife, my realtor, and I showing things that he said needs to be taken care of asap in order to close. Mind you, some of these items have not been mentioned on the previous list of things needed to close. So, at the last minute he threw new things at us. He highlighted several of those things stating that they would be major issues that will hinder our approval. I can forward the email upon request. He then sends this same email to the seller, which I understand, is a violation of our privacy. He sent our personal information that is on our credit that needs to be addressed, to the seller! Once they received the information, they immediately decided to back out of the short sale. In his conversation with my realtor in the early stages of the process, it was clear they did not want to finance a manufactured home and even said they would qualify us for more if we went for a traditional home. It 's frustrating to me because we invested so much time into this home, our children loved the property, and now because of this, we lost the opportunity to get it.
08/21/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • 20772
Web
I need urgent assistance. I was approved for XXXX from the XXXX HAF program after being approved for a combo mortgage modification in XX/XX/2023. I received approval modification documents from carrington mortgage that I had to accept, notarized and return back to carrington mortgage. According to my modification documents I had to make my first trial payment by XX/XX/2023. I called to make my payment on XX/XX/2023 and was told by carrington that my modification was canceled. I received the letter in the mail the same day. I was instructed by Carrington Mortgage to resubmit another modification application because according to them my monthly payment would decrease after they received the XXXX. I questioned why I would have to resubmit a second mortgage application when I was already approved and they carrington was already aware of my XXXX HAF approval. Carrington cancelled my mortgage modification on XX/XX/2023 the next day after receiving the XXXX which did not make me whole and the reason why I still needed the modification to address the past due arrears and XXXX escrow balances. I send a couple of follow up emails requesting a status check and to make sure I would not have to resubmit another application since I submitted a second HAF application for additional funds. On XX/XX/2023. I was told by carrington that the reason they denied me was because of the XXXX HAF terms and guidelines could not be met and they informed me that they returned the XXXX back to HAF. I dont know why they would return the money and put me back in a worst position than I was in before resubmitting the second application. I dont know what to do. Carrington denied my second mortgage modification application and I provided the exact same information that landed me the first approval. I received an email from HAF stating I could apply for additional funds XXXX and I submitted a second HAF application which was denied because Carrington denied the second modification that they instructed me to submit to lower my payments. They filed for foreclosure on my home. I resubmitted a third modification application with carrington.
05/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 45662
Web
We have a mortgage with Carrington Mortgage Services LLC, we have contacted them through online chat to find out why they are charging additonal amounts on our monthly loan payments and there answer was I would have to call direct to speak with a Rep so they can explain the fee 's added. In XXXX XXXX we signed a Modification agreement with Carrington M ortgage and was told we needed to go ahead and make the XXXX , XXXX , & XXXX payments to be caught up. Each monthly payment was for {$330.00}. So we sent in 3 different checks, one for each month requested, each check was wrote out for {$330.00} each. And we have made the exact same payment amounts each month since. Carrington w ill not send us a bill direct and I also asked the online rep about getting the monthly bills/statements sent to our home, cause our lawyer even said they never recieved the bill for XXXX XXXX . Carrington said we needed to mail in a request in which we have and have heard nothing back on that. Carrington has also turned into the credit beaura 's that we have missed a total of 28 payments and in fact we missed XXXX and XXXX of XXXX payments then we sent in a month and half payment the accepted, which made us half month behind. The next check we sent in they mailed back to us and have rejected all payments even through us having a escrow for all our payments with our lawyer for the every month since. XXXX XXXX Made 2 years since our first missed payment and we signed and paid monthly payments for XXXX to present of this year of XXXX . Here is the only info I can get on our mortgage account through Carrington site as they will not send us info. And they wont explain the fee 's which are not part of the Modification agreement. Payment informati on Loan Number : ... ... ... .... Next Payment Due : XXXX / XXXX / XXXX Total Due : {$940.00} Previous Payment Received : XXXX / XXXX / XXXX My further comments : ( {$330.00} of the above total is due for XXXX / XXXX / XXXX the rest of the total is extra with mo explanation of what it is for and why it is being charged and violates the Mod. agreement. )
11/17/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • ME
  • 044XX
Web
This complaint is regarding my mortgage company, Carrington Mortgage Services. One month ago ( XX/XX/XXXX ), I submitted a request for mortgage assistance as we have fallen behind on our payments due to my husband being out of work for several months after having XXXX and being quite ill and unable to work. I am requesting either a modification or a longer-term formal repayment plan. I faxed them every single document that they requested of me. I have been working with XXXX XXXX in the advocate office at Carrington and he told be back on XX/XX/XXXX that all of the documents had been received and that they would be in touch with me if they needed any further information or documents from me. It is now about to be XX/XX/XXXX and I have not received one single ounce of communication from Carrington regarding my request for assistance, not a single word at all. I have called XXXX XXXX every single day this week and he keeps telling me that there have been absolutely no notes put into my account and that he has no idea what is going on or what the status of my request for assistance is, even though it has been an entire month since I sent them the request for mortgage assistance documents, including mine and my husband 's pay stubs, bank statements, utility bill, tax forms, a letter explaining the circumstances that caused us to fall behind, and the paperwork that they sent us to fill out. XXXX XXXX has been telling me for the past 4 days now that someone would be calling me to follow up, but no one ever has. I have not even received anything in the mail from Carrington confirming that they received my request for mortgage assistance, which I thought they legally had to send. I am getting beyond fed up with their nonsense and demand to be updated as to what is going on. My husband has since returned to work and we are able to afford our regular payments again, but is getting caught up on our past due amount that we need assistance with. I can not believe that Carrington has not communicated with me one single time since I submitted the request for mortgage assistance an entire month ago. Totally unacceptable.
07/03/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60098
Web
Our mortgage was sold to Carrington Mortgage Services in XXXX. After we sent in our XXXX payment, Carrington lost {$100.00} of the payment. They could not account for it, and they did not know where it went. After numerous phone calls, they finally agreed to look into it. It took Carrington more than XXXX weeks to correct it, and they still offered me no explanation as to what happened. This is when it gets fun! To correct the problem, Carrington deducted a whole additional payment ( {$1200.00} ) from my checking account Without notification or my permission. They were able to do this because they made an electronic-funds-transfer from my original check, and then they also deposited the actual paper check ( same check number too! ). Needless to say, XXXX mortgage payments withdrawn in 32 days overdrew my account. After racking up NSF bank fees for three days, Carrington quietly deposited the money back in my checking account with the notation " check pymt PCF ''. They did n't even attach their name to the transfer. I called Carrington as soon as I found out about this, and all they had to say was " They could n't understand why I made a payment in the middle of the month? '' They could see the extra money, but " there 's no way that they initiated the transfer ''. The woman said that there was nothing they could do. She suggested that I send Carrington " All my bank statements, dating back to XXXX '' XXXX? Are you kidding me? You want some DNA too? Maybe my ATM PIN? I spoke with her supervisor, XXXX, and he said the same thing. I told XXXX that I wanted to Opt-Out of electronic-funds-transfer on my mortgage, and he said that I agreed to that by having my mortgage with Carrington. I told him that he had to abide by my original loan terms, and asked why my monthly statement from Carrington included HIS phone number if I wanted to opt-out of EFT? Bottom line : Carrington Mortgage is a bunch of loan-shark, scam artists that ca n't even read the information they publish on their own website. They must be used to dealing with lots of delinquent debtors that they can silently exploit as second-class citizens.
05/02/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TX
  • 78259
Web Servicemember
My name is -- -- -- - and I have a mortgage with Carrington with the loan number ********. I had the name -- -- -- -- -- which was changed to -- -- -- -- -which is my father 's last name. -- -- -- -- was my sibling 's father 's last name. During Covid my Fiance -- -- -- -- -- - who has lived with me for 5 years lost her employment. I utilized the assistance from Carrington Mortgage which provided a forbearance option in XXXX of XXXX. I was able to settle Debts and was in a position to begin paying the mortgage again in XXXX of XXXX. I was assigned a XXXX agent named XXXX XXXX who refused to communicate with me by phone. She sent me some strange questions asking if I was married to a woman named XXXX. I requested to speak with her on multiple occasions as her responses were at times erratic and did not fit the context of our email conversation. I sent in multiple packets to continue the mortgage process for modification after forbearance which failed XXXX due to me not being aware that my signature had to be signed " -- -- -- -- -- -- fka -- -- -- -- -- -- ''. The block read my name " fka '' my previous name which meant to me that my signature acknowledged that I had previously been known by another name. The document was supposed to have my current signature followed by fka and then my previous signature on that line which I have never heard of nor had my various notaries. XXXX XXXX did not instruct me that this was why my contracts were rejected nor did she instruct me of what the contract signature required. She just continued to repeat that my signature was incorrect. This fact was relayed to me within 2 emails by my new servicer XXXX XXXX who explained right away what the error on the application was regarding the signature block. I was able to speak to her by voice and sha has given me a clear understanding of my options. I have the email threads to XXXX XXXX and can forward them in order to understand the rationalization for my dispute. I have documented attempts to speak to her and clarify why my packets were being rejected and she refused to contact me or clearly elaborate on what was required.
02/17/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 306XX
Web
I am a first time home buyer and purchased my home XX/XX/2014 I have a FHA mortgage. My mortgage was sold from XXXX XXXX to Carrington Mortgage by XXXX. Everything went smooth has this is not the first time my mortgage had been sold. Carrington sent with out warning a few months into making payments to them ( always on time ) that I was in " intent to foreclosure '' due to a late payment. I have never been late. So when I called to ask the original statement given to me was that " XXXX did not receive a payment from me prior to the sale of my mortgage '' I called XXXX and they had no record or notes of contacting Carrington of a missing payment. Also they noted that there was no missing payments on the account. They would never sell a mortgage that was not in good standing. They ( XXXX ) spoke with Carrington and sent documents to verify. Carrington begin again calling me with harassing phone calls. Customer Service agents clueless of what was going on and stated all they knew is that I was missing a payment. Carrington would not allow me to speak with the " research department or assign me direct contact with one individual to handle the case '' I received numerous harassing phone calls. The latest correspondence was from a XXXX XXXX who stated she just needed a bank statement from XXXX XXXX XXXX to prove the XX/XX/XXXX payment was made to XXXX. ( XXXX has been contacted multiple times at this point and is baffled by the poor customer service and statements that Carrington is making ) I went above just sending a bank statement I sent multiple statements for the entire month, with written explanations. I also sent documented from XXXX " proof '' of said payments. Carrington is now wanting my signature on documents. Another stall tactic. I have sent plenty of proof documented and verbally. Prior request and documentation has been sent and they never once asked for a signature on any documents I have sent. Also note on latest correspondence no visible name or readable signature of who/whom the correspondence is from. See evidence attached. Contact for additional evidence and recorded phone conversations.
11/10/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 077XX
Web
After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to Carrington ( owner of the loan is HUD ). We then had to start the process all over again. HUD recently denied us stating we are 40 months past due so they wont review our short sale. Carrington did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. ( XXXX ) XXXXFHA case # XXXX. This is the contact information we had and spoke to several reps.
01/31/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19702
Web
My loan was sold to Carrington morgage from XXXX XXXX XXXX in XXXX XXXX. We were already behind on 2 payments before Carrington took over my morgage. We never revived anything from Carrington about the change so I called them myself and explained that I 'm trying to catch up on my payments then couple day 's later I received a welcome packet. Every document had wrong dates going back as far as XXXX!! I have been calling them for weeks now even spoke to several supervisors all say something different. All I wanted was to be put on a repayment plan so I can save my home for my children. One supervisor put me on a payment plan and I made sure I asked is it in the notes so when we call in others will see it? Yes he said. Called in to make a payment and sure enough I got no you ca n't we need two full payments before we can take any payment. Then spoke to another supervisor and they said they can put me on a promise to pay and again asked him about the notes and even explained what happened with the last situation and he reassured me that he notated everything and when I tried to call in tonight to make a payment they wo n't accept again even though I 'm explaining everything to them but now this time they said I need to make a 2 full payments. I 'm 3 months behind ( I 'm still checking into that to make sure it is correct since all dates are wrong on the forms they sent and I made a payment to XXXX XXXX XXXX in XXXX XXXX ) I owe under {$3000.00} and would have it paid off by XXXX XXXX. I 'm not sure how Carrington morgage keeps customer 's they are suppose to help your situation not make it worse. They do n't make you feel like a wanted customer and no one knows you situation I got transferred all over the place and no one bothered to look in the notes but they could see who I spoke with. All I want to do is pay my morgage payments to get caught up and since I 'm new to this company you think they would be more helpful or maybe I 'm not getting to speak with the right person. I just hope this can be resolved soon because coming up soon I will be 4 payments behind almost seems like that 's what they want.
09/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75002
Web
XXXX was my previous mortgage lender for approximately 9 years plus. Carrington Mortgage bought my loan in XXXX XXXX. Within 3 months of my loan, my escrow amount changed. I did not know my payment amount had changed. I paid the regular amount I pay. Then in XXXX XXXX, I was threaten to foreclose on my house. I could not understand why. I checked my bank and my check had been cash on XXXX/XXXX/XXXX for my XXXX payment. They allegated that it was not a full payment and it had never been applied to my account. In XXXX XXXX I paid my payment online and there website told me it had sucessfully been submitted. See attached copy for both payments. In XXXX XXXX I got another letter threatening a foreclosure again. When I called them they said I had made an error entering my account number. If this was the case why did their website give me deceiving information. In XXXX I decided I was refinancing and to my surprise they had reported to credit bureau ( XXXX ) 30 day notices. This ruined my credit and I was unable to refinance. In XXXX XXXX, XXXX I send them attached complaint requesting a written response and they never did. The confirmation for fax transmittal is also attached. When I received my XXXX XXXX statement it was not reflecting my XXXX XXXX payment. So when I called them I told them that my funds were debited from my bank. They asked me to fax a front and back copy of cancelled check. When I went to my bank they could not provide copy because Carrington had cashed electronically. When I called Carrington back they said to send them my Bank Statement. I said no that I would provide something from the bank. I was told by there Customer Service Department that it would take 15 to 20 days to resolve my issue. I became desperate and decided to find an advocate for Carrington. It was a coincidence that as soon as contacted them they mentioned they had found my payment. I believe they are doing all this to continue to ruin my credit so I can not refinance. Please see attached email. I have filed a complaint with all credit bureaus and Carrington to remove this errornous information on my credit report.
11/15/2017 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MD
  • 21144
Web Servicemember
I had a home disaster and it was settled with XXXX, which tok a year. I had not been home in over a year and it is expensive for that mortgage and two households. I am not behind in any payments. I endorsed the check, along with my public adjustor and sent t to Carrington Mortgage Company LLC. I called them, since I need this settlement to pay for repairs, vendors and be reimbursed by the vendors. I sent in every document they request in the initial packet and thought it would be a simple process. Every time I call there, I get a different person on the phone. The claim is not handled by one person. When I ask for a supervisor, generally, they are not available. I am told that something will be done and they lie to me, it is not done. I am not called back to explain why. I need an inspection of my home done, first phase, so it can be completed and fixed. when I get off the phone thinking this is corrected, I call a week later and nothing was arranged and they need, yet another document and don`t explain in detail, why. Carrington is sitting on the money to fix my home, so I can go home. They never call me for any further documents and never inform of anything The supervisors say they will call me back and NEVER do it. They have questioned me and my contractor about me, which is unacceptable. It has been two months and the contractor and vendors need the money to fix the home. The inspection has been delayed by this company for over a month. I asked explicity what they need and they never give me a complete answer. According to the packet I sent them, from day one, they have everything they need. My public adjustor called them to offer and documents and they stated to him they have everything they need. My contractor calls for an inspection, and they never get back to him with a time/date as promised. They are sitting on this money and I can not afford to live somewhere else any further. I am lied to and diverted to the next person and next. I need my home fixed, the rest of the money released and to get this done. Carrington is delaying the process, since XXXX XXXX it has been a real challenge.
06/17/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 44111
Web
In XXXX 2015, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. When my loan left XXXX XXXX XXXX, everything was perfectly fine with my escrow account and my monthly mortgage payments. In fact, the month before it sold, I sent them a check for an escrow shortage. On XXXX XXXX, 2015, Carrington did an Escrow Analysis and somehow came up with a shortage in the amount of {$1100.00}, however, no one can explain to me where this shortage is coming from. It does n't really take a genius to figure it out. They are paying my taxes on the wrong dates. I have faxed them a XXXX page letter on XXXX XXXX explaining my discrepancies with my mortgage XXXX a copy of which is attached for reference ). Whenever I call Carrington, no matter who I get, their response is always " I do n't know '' No one there knows how to do their job. My property taxes are due in XXXX and XXXX each year. They are trying to pay my property taxes in XXXX and XXXX and so now that is where the shortage is coming from. They are paying taxes before they should. The XXXX County Auditors office has gotten numerous complaints about Carrington doing this and they are getting extremely irritated because it is creating more work for them. They do n't even know what our taxes are going to be each XXXX until the XXXX ballet passes. Tax bills do not go out until XXXX and are due in XXXX. So Carrington is sending wrong amounts to them! In addition, Carrington is paying too much for property taxes. My taxes are {$1300.00} a half and Carrington is paying {$1300.00}. They are trying to tell me that my mortgage is going up {$98.00} due to this shortage, yet they ca n't even explain the shortage. Again, no one at this company knows how to do their job. I know more than they do. I never had any problems with XXXX XXXX XXXX. Carrington has been a COMPLETE nightmare and action needs to be taken against them. I have sent them all the documentation they need, and XXXX again, I am attaching all that documentation to this Complaint. They better get it figured out soon or I plan to take further action against their company! This company is a FRAUD!
09/18/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • WI
  • 540XX
Web
Luckily I received a message from my Homeowners insurance representative last night ( XXXX ), notifying me that my homeowners insurance had not been paid by my mortgage company and that there was only four days left until my insurance would be cancelled. My mortgage ( and accompanying escrow account ) was purchased by Carrington Mortgage in XXXX ( from XXXX ). I looked at my account online and it said there was no record of the homeowners insurance being paid, but THEY HAD UPDATED it to say that it was n't due again until XXXX of XXXX, meaning they had made the changes on my online account to MAKE IT LOOK LIKE they had paid the insurance. I looked up my insurance account and the renewal notice had been sent to Carrington XXXX XXXX XXXX. Which means that they had over three months and did n't pay it. This morning ( XXXX, XXXX ) I called Carrington ( and got more than the usual run around ), and they could not tell me why they had n't paid it, and refused to pay it until they spoke with someone in my insurance agency. They also told me that both that the policy had and had n't been cancelled yet. They refused to tell me that they would actually pay the bill for the insurance. They refused to do anything to help ensure that I would continue to have insurance, aside from call my insurance agent. When I asked for something in writing to demonstrate how they would prevent this from occurring again she refused. So they breached the implied contract of my escrow account and refused to put in writing the service they are obligated to provide. I later called my insurance agency ( XXXX, XXXX ). XXXX was very helpful! They had just spoken with someone from Carrington who was not helpful. XXXX told Carrington that my homeowners insurance would be completely cancelled at XXXX Sunday night. Carrington agreed to send a check by overnight XXXX, however refused to agree to send it today. Indicating Carrington Mortgage Company purposefully and knowingly refused to pay my homeowners insurance ( that is their responsibility to pay on time ) either on time or in time to prevent me being without homeowners insurance.
02/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98109
Web Servicemember
On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to Carrington Mortgage of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called Carrington Mortgage on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for non-Carrington Mortgage transactions. I filed a complaint with the XXXX and Carrington responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing Carrington 's error and want this resolved immediately.
03/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 195XX
Web Servicemember
XXXX XXXX, Loan # : XXXX Carrington Mortgage Services , LLC XXXX, CA XXXX To Whom it May Concern, I am writing today to complain about Carrington Mortgage and the handling of the COVID-19 Advanced Loan Modification and the COVID-19 Recovery Modification Protections. I was denied for any Protections and said Im not eligible. In the Fall, XX/XX/XXXX, I received a letter from Carrington that I would be reviewed for Loss Mitigations Protections and they would notify of their decision, in writing, within 30 calendar days. I never heard back from Carrington. I assumed they were busy during COVID and were behind. I finally called Carrington on XX/XX/XXXX and spoke to an Agent. She was polite, but didnt seem to understand what was happening. She researched this, and stated that they are researching my property title and are behind in paperwork. I waited and finally called Carrington again on XX/XX/XXXX. I asked for a supervisor and spoke to XXXX XXXX, # XXXX. We reviewed my application, and she even discussed with her supervisor, but stated that I cant achieve payment savings because of my loan amount and Im not eligible. She was polite, but stated that Carrington reviewed my application last Fall were it was denied. I waited for 7-8 months to hear about my status. Even on my online account, Carrington listed my status on COVID-19 ALM as Submitted, but no other information. XXXX finally stated that my only option for help was to go through Carringtons traditional Modification process outside of COVID-19. As everyone knows, this requires 5 pages of detailed information about income, assets. Most of these are denied. The purpose of the COVID-19 ALM and the COVID-19 Recovery Modification was to help millions of Americans during the pandemic to save their home. My financial problems did occur prior to COVID-19 in XX/XX/XXXX. However, I studied FHAs/HUDs Mortgage Letter XXXX dated XX/XX/XXXX. There are 86 pages of multiple options to get a Modification. They do not require any detailed requirements or documents. I would appreciate your help. XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX
08/16/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 21703
Web
My mortgage from XXXX XXXX XXXX was sold on XXXX XXXX 2016 to Carrington Mortgage. When my mortgage was sold I was 2.5 months past due. I 'm still within the 60 day window of being released from XXXX, so I 've continued to mail my payments to them. I 'm current with my mortgage and have been since XXXX submitted my last payment of {$280.00} ( direct bill pay ) to Carrington on XXXX XXXX 2016. Once your mortgage is sold you still submit everything to your previous mortgage company within the first 60 days. When I called on XXXX XXXX 2016 Carrington, told me to not mail anything to them until notified or to XXXX XXXX XXXX because they 'll ( XXXX ) just return it to me and then I 'll have to send it to them ( Carrington ). That was incorrect information and will give Carrington the opportunity to attach late fees and make my loan in default. I have continued to make payments to my original mortgage company and legally they have 60 days to release everything. Every check that I 've sent to XXXX they 've forwarded to Carrington with the date they received it. XXXX has done everything correctly. However, Carrington has continuously mailed me notices of Intent to Foreclose and put a notice on my door yesterday XXXX XXXX 2016. I have all of my cleared checks and statements from XXXX. Duly, I have all of the notices of Intent to Foreclose from Carrington which is a violation of Federal Law since I 'm still within the 60 day window of being sold from XXXX XXXX XXXX and I am current with my mortgage. Carrington has harassed me and my family with daily phone calls and notices being sent every other day. Their practice is illegal and unjust. The bottom line is that it 's still within 60 days of being sold ( today being day 46 ) and I am current. Something needs to be done to stop this company from it 's illegal, harassing practices. The notices of intent to foreclose was done in retaliation of me contacting the XXXX on XXXX XXXX 2016. Carrington sent me a XXXX page document explaining their position once I contacted the XXXX. They have not updated their information and continue to harass me and my family.
02/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 33175
Web
On XXXX XX/XX/2023 Carrington Mortgage received {$1100.00} from my bank and deposited the money in their account but they put the amount on hold. The hold was because a discrepancy in the escrow account due to the H06 insurance increased. The correct amount was {$1200.00} therefore, there was a discrepancy of {$110.00}. I never received any e-mail or mail regarding the discrepancy to get my attention. They said they tried to call me, but because the many unsolicited calls I get from Carrington my phone system might have blocked the call. I would like to point out that Carrington DO NOT send statements via e-mail or mail. They only send an e-mail with a link saying that documents are available online and do not show any amounts which would have gotten my attention. On XXXX I went into the website and I realized that the amount had change. I immediately contacted Carrignton and the agent told me to pay {$230.00} ( two months ) to bring the account current. He said to go to the site and pay it, which I did. However, instead of taking only the {$230.00} for the escrow difference the site took {$2700.00}. Which is 2x the {$1200.00} + {$230.00}. I realized this when I got the confirmation e-mail. Since then I have been calling Carrington to get my money back to no avail. Please remember that they already had the {$1100.00} from XXXX payment. So in total Carrignton Mortgage took from me {$3800.00}. They apply these funds without consulting me and posted on the web portal that my account was paid until XXXX. However, the real injury is not that I'm out thousands of dollars but that Carrington also reported my account as delinquent. I had excellent credit before this fiasco but the late payment report took XXXX XXXX from my score. This will greatly affect many areas of my financial life and the ability to get a fair deal on loans for the next 3 years. This is totally unfair because there was not LATE PAYMENT. I have called several times and I have spoken to a supervisor and they keep saying that the late payment is correct and there's nothing they can do. The system is designed on their favor
04/21/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • SD
  • 577XX
Web
I deal with Carrington Mortgage Service. I reached out to them in XXXX when the rates were low about remodifying my loan. The rates were at about 2 %. I have tried to keep in total contact with these people to get this spearheaded. I have called at least once a week trying to keep on top of this. I have been met with so many different people telling me I had to do different things, right down to having to redo the paperwork!! First I faxed the paperwork. I called back to check and see if everything is ok. I am told the signature page got cut off. So I went down to XXXX XXXX and refaxed the signature page. I called back and was told that the whole thing had to be redone because of multiple errors! I had one error where I accidently put the yearly income instead of the monthly income. I was told they were sending me another packet so I wait and not packet. I call back and was told to download off of the website. Ok so I did this and resent the packet. I finally resent it again on XX/XX/XXXX. I call back to touch base and find out if it is good. I was told that it was in final review to call back following Friday. Before I had a chance to call back they sent me a paper telling me that my form was incomplete again!! Talk about mixed messages.. So I called again and was told to ignore that notice that they had the final paperwork. To my surprise they are telling me that I was not getting the 2 % but I am getting 4.62! because I was told I got the rate that was standing when the paperwork was approved. My loan now is at 4.75 % I feel that they were leading me around to get by interest rate. How can my paperwork be incomplete and approved within 4 days of one another without any revision? I feel that I am being discriminated against and taken advantage of and the victim of predatory lending practices. I am almost to retirement age. I have had to deal with XXXX among a host of other XXXX issues since XX/XX/2021. I have been told by numerous people for a big fee {$4000.00} and up they could help me. I don't have that either. I need some serious help with these people and do not know where to turn.
08/19/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27703
Web
As a borrower my loan was first with XXXX XXXX XXXX and I was approved for a Forbearance XXXX/XXXX/XXXX and the loan was transferred to Carrington on XXXX/XXXX/XXXX. Borrower made 2 payments and Carrington would not accept any payments after, lender had requested full payment ofXXXXXXXX. A Quit Claim Deed was submitted on behalf of ex-spouse XXXX. Lender then stated that a new law in XXXX was drafted that the Quit Claim Deed would not be sufficient enough is that a law for all states or the state of CA As a housing counselor I felt that information was not represented to me as the Third Party on behalf of the borrower. A loan modification application was submitted and on a complete package was received. A second modification was submitted on XXXX/XXXX/XXXX, complete package received XXXX, and XXXX/XXXX/XXXX file was submitted to under writer for review. XXXX/XXXX/XXXX it was stated that the borrower was denied due to debt to income at 40.77 % including the partial FHA claim. The representative at Carrington stated that the income used on the XXXX modification was {$2800.00} but on XXXX/XXXX/XXXX {$2100.00} income was calculated. The borrower had an increase of pay that should have been calculated on the XXXX loan modification. I called Carrington and spoke with a representative on XXXX/XXXX/XXXX who stated that the borrower had excessive forbearance. I immediately did a return call to Carrington for additional update on the numbers that was used for the waterfall to determine the denial. The representative stated that he could not give ne the numbers used because I had already call and the decision had been made. I then proceeded to ask to speak with management and was told that I would need to submit a formal dispute if there was additional findings and that management would not talk with me. I called back to Carrington on XXXX and wanted some more information on the denial the representative stated that because the home retention was located in CA and they were not in and I need to call back at XXXX eastern standard time. He could not give me any information because he was not licensed.
08/09/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 633XX
Web
Our mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage. We had started a home modification with XXXX XXXX XXXX and, in XXXX when the transfer took place, we were two months behind on the mortgage but all that was left was to be approved by the underwriter. A month later, we've had no contact from Carrington Mortgage except for them to request the same information we'd already submitted to XXXX XXXX XXXX. We finally get that fiasco straightened out and they set up the modification for our home loan. We were told that we'd make a payment in XXXX, XXXX and XXXX and be able to skip the XXXX payment and start again in XXXX. We dutifully make our payments and, suddenly, now we're being told that we have to continue making payments until the modification is approved by the underwriters. This is on top of our credit report now showing we're 90-120 days behind on our mortgage which has impacted our daughter 's ability to obtain financial aid for college this year. To make the situation even better, after making our required three monthly payments, in today 's mail we received a notice of Intent to Foreclose. I understood that any foreclosure action was put on hold while the modification process was ongoing. Apparently, Carrington Mortgage 's vision and mission statement involves lying to their customers. We were told multiple times that we would be able to miss the XXXX payment, only to be told that we need to continue making payments until the underwriter approves the modification. We started out being two months behind on our mortgage only to end up with our credit report showing we're 90-120 past due because Carrington and XXXX XXXX XXXX couldn't communicate which not only impacted us, but also our daughter 's college aid. We were told foreclosure actions would be on hold while the modification was going only to receive an Intent to Foreclose. Absolutely nothing we've been told by Carrington Mortgage has happened the way they assured us it would. This modification was almost finished with XXXX XXXX XXXX in XXXX and it's XXXX and we're still trying to get this completed.
01/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AK
  • 99709
Web
I went into my Carrington online account and increased my payment to pay off debt quicker. From that page, I increased my payment, saved it, and moved on. Then I missed a mortgage payment that was unknown to me. Please understand I have the money in the account. It was never short on money. I have been on auto pay with this mortgage since XXXX and never a missed payment, and I don't believe any have been late. I got a notice in the mail that I needed to contact Carrington mortgage because of this missed payment. I called them on XX/XX/XXXX. I talked to several people and they could not help me. They had reported me to the credit bureau on XX/XX/XXXX they said. Nothing they could do. This was the only mailing I got. No phone message or anything else. When I called them, I asked them if they called me. They said their records show they did. And their records were detailed enough to show them that they did not leave a message ( just as I said ). I asked why they did not leave a message on something so important and he could not give me an answer. After XX/XX/XXXX I received more mailing but it was too late to save my credit score. It dropped from XXXX to XXXX. I know that is still good, but this is so upsetting. I have been really trying to break 800. ***I will attach a letter with more details. Please help me to contact this company and remove this from my credit report. I should have received several mailings and also received several calls and messages. Never a voicemail. That is shocking! ***also, there is no other comment section, so I will add this here. You asked what type of mortgage it was. I checked Conventional. I actually believe it is a VA XXXX loan. But your section asked if it was a VA loan ( active duty or Veteran ) and I don't think it is the same. But I am not a veteran. I bought this property as a foreclosure. I wanted to clarify so that you understood why I marked conventional. I did not want the system to start asking me questions about my documentation as being in the service, because I am not. Thank you in advance for your help.. Sincerely, XXXX XXXX
09/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MA
  • 01854
Web
This is the second complaint we have filed as when we called in the XXXX kept saying the DOB does get involved in Short Sale approvals. It's evident no one at the division of banking even READ THIS COMPLAINT as the information mailed to me in response was regarding CARRINGTON MORTGAGE and this complaint is NOT AGAINST CARRINGTON. This complaint is not regarding a short sale. This is regarding XXXX ( 2nd loan servicer ) sending a discharge of mortgage debt ( 1099C ) to homeowners in XXXX and then when they went to sell in XXXX they couldn't because the mortgage discharge was never recorded. When we attempted to contact XXXX they scrambled and said the entire debt was still due - however each homeowner is in possession of the 1099C which was dated XX/XX/XXXX. Per Massachusetts law Mass. G.L. c.184, 17B the mortgage servicer has 45 days to record a discharge once the mortgage debt is discharged. Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the person paying off the loan. If the DEBT is discharged in it's entirety there is no mortgage anymore. XXXX XXXX and XXXX XXXX XXXX mortgage debt was discharged in it's entirety. A discharge should have been recorded by XX/XX/XXXX. From XXXX : I have listed my house for sale. When title was pulled it showed TWO mortgages, however in XXXX my mortgage was forgiven by XXXX. XXXX was originally XXXX XXXX which was sued for giving out bad loans. My the debt was forgiven by XXXX with a 1099C in XXXX, but they never took the mortgage associated with this off of my title. Now I'm being told that even though they sent me a 1099C stating the debt was forgiven that that was a mistake and I owe the entire amount. This makes no sense. If the debt was forgiven via a 1099C then the mortgage should have come off my title at that time, but it was never done. On top of that how is it I now owe the debt that XXXX forgave? We have filed complaints with Division of Banking and the MA Attorney General 's office.
01/13/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • PA
  • 195XX
Web
On XXXX I signed closing documents at settlement for refinancing my home mortgage with Carrington Mortgage Company. I signed paperwork which stated my monthly payment would be {$650.00} yet received my first statement stating the monthly payment was {$780.00}. I also received a statement for {$0.00}. No other correspondence from them. Ive called over 20 times and been out on hold for lengthy periods of time, spent 45-60 minutes on the phone with different individuals several times, been transferred to supervisors, given the number for the escalation department and could not reach anyone, told the matter was being investigated and spoken to individual in the expedited concerns/ complaint department, always being left with no resolution although that is what I requested. Carrington admitted human error on their behalf after settlement during an audit which revealed they miscalculated my property taxes and stated this was the reason for the monthly increase of over XXXX on my 30 year mortgage. Before the settlement ( in XX/XX/2022 ) they had just finished a prior settlement with me on the same mortgage but contacted me a week after closing and told me I had to go through settlement again as they were unable to allow the inspection waiver, as signed at settlement, that I had to have an inspection and that my ex husband would not be receiving his cash out payment on time as agreed during settlement, because of another error on their behalf related to XXXX XXXX XXXX XXXX XXXX updating regulations. I planned accordingly for the refinance based on the amount we agreed on and they changed it without notifying me after signing the legal documents. Theyve been impossible to reach and respond to my request for resolution in the matter as it was their error and we have legal binding agreements. They also gave me less than promised in my settlement check which they later told me I could have been given the option to have the money I agreed to receive or paid it separately to cover the escrow but they took it upon themselves to take the money out of my settlement check without explaining it to me.
10/11/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 78254
Web
In XXXX, I was impacted by COVID-19 and opted to ask for the Covid mortgage relief. The entire time I was on the COVID relief plan the mortgage servicer reported me past due though I was not past due when I entered the relief plan. Beginning in XXXX of XXXX I began contacting my loan servicer. This nightmare took 6 months before they finally told me my loan was modified in XXXX of XXXX, but the nightmare continued with me continuously calling every single day. Though the system did not reflect my modification, by every customer service rep I was told that I had indeed received a modification but it took time for the system to update. I continued making my modification mortgage payments, and in XXXX of XXXX, my loan was transferred to a new servicer even though they never completed the modification in their system. I started call the new Servicer ever single day and they were not able to see any loan details. In XXXX of XXXX, I received a letter from the new servicer that my loan was referred to foreclosure. I immediately called them asking why they had done that as they sent me a letter stating due to RESPA they were not allowed to refer my loan to foreclosure. They apologized and said it was an error and that the system automatically sent the letter but that it was not in foreclosure. At the same time I tried making my payment but they stated they could not accept a payment because they were waiting for my old servicer to send them the updated loan information. I continued calling my new servicer every day until finally in XXXX of XXXX, they emailed documents to me stating that I had to resign the documents dated XX/XX/XXXX and that they would honor the modification. Here it is XXXX and they still have not updated their system with the modification nor have they updated their system with the payments I made, nor have they adjusted their system for when they were not accepting payments from me. I just need some help, Two years of nightmares with these mortgage companies have ruined my credit as they have continued to report me as past due even though my loan was modified. Please help
03/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21234
Web
This is a complaint that is referring to a previous complaint # XXXX. I could n't find any way to update my original complaint, so I had to make a new one. In summary, my husband and I were given a letter by XXXX early in XX/XX/XXXX that our property taxes from XX/XX/XXXX were not paid through escrow by our mortgage company, Carrington Mortgage Services , LLC . We immediately informed them and asked them to pay so we would not lose our home to the auction process. By the end of the month, Carrington still had not paid, the deadline had come and XXXX XXXX was ready to start the auction process, so we had to use our savings, scrape together the money to pay the taxes ourselves. We then requested ( through writing/fax on XX/XX/XXXX ) that Carrington immediately refund our money. This is the money THEY should have originally paid through our escrow in XX/XX/XXXX. When I called today to ask about our refund ( now three weeks after my first request ), I was told that they must complete an 'Escrow Analysis ', and that they need 15 days to figure out if I am to receive a refund. This is ridiculous. They are making it our fault that THEY messed up our escrow account and did n't pay our taxes. We almost lost our house and are out {$2100.00}. Which we are just trying to get back. A year ago they bumped up our mortgage payments an extra {$250.00} a month to 'pad ' our escrow account! There is something wrong here. Very wrong. We just want our money back. If we were to have a family emergency, we would n't have the money now because we had to use it for this. I am attaching documents showing the delinquent tax bill. My proof of payment. As well as XXXX escrow documents sent to me by Carrington. One from 16 months ago, which I believe to be a 'falsified document ', showing that the tax was paid, and one that I requested last month showing that in, fact, the taxes were NOT paid in XX/XX/XXXX out of the escrow account. Please help us get our tax money/savings back. We always make our payments. We believed our taxes were being paid through escrow. We have done nothing wrong to deserve this.
11/26/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 130XX
Web
I fXXXX my XXXX back in XXXX of this year which resulted in me not being able to work. I called about possibly doing a forbearance and was never told since I was up to date on my payments that I wouldn't qualify, I had been holding off paying on my medical and other bills to save to pay my mortgage at that time. When the company sent me a letter stating I would not be able to get the forbearance due to the payments were up to date they advised my to try again and not pay my mortgage and pay on my other bills, so that's what I did I have sent in my paperwork several times due to they said there wasn't enough information and to follow up each week by calling them. I di everything they had asked however they kept saying they haven't ' received my paperwork, I faxed it I emailed it and was told they had it, up until last week when I called and was told the paperwork needed to be updated and changed. I did all the corrections they wanted and updated all the information they said they needed and sent it in last week, I was told to call this week and follow up and was told that they closed my case on the XXXX because I never sent the paperwork like they requested. The customer service representative said the paperwork was in on the XXXX and they were back logged she said she will send it to them with the date they received it and the date they got it, however they may not take it in to consideration I had beat the dead line they had set even though they never contacted my to let me know they needed more information or what I had to do. Now I am close to being foreclosed on especially if they don't grant me the forbearance. I also made a payment to extend the date, which they advised me to do which happened to be on the XXXX. They claim they want to help me but in no way are they trying to I have lived in my house for 26 years and have always been on time with my payments and since Carrington has been my mortgage holder for the past several years I haven't missed a payment or actually been late I have been paying it before it was due many of times, and this how I have been treated by them
11/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
Web
This company is my current mortgage servicing company for the past 10 years or so, they took the servicing after my mortgage company went bankrupt during the housing crisis around XXXX. Now refusing to refinance my loan now. I lost my job in XXXX while I was on leave of absence due to XXXX XXXX, which pushed me in to financial trouble and was having hard time to pay the mortgage. I wrote to my lender about my situation and they modified my loan to an affordable monthly plan using then available XXXX XXXX 's mortgage assistance program. They split my loan in to two portions. an interest free $ XXXX loan and a second loan for rest of the amount with 4.5 % interest. The officer in-charge for my loan at the bank explained that the $ XXXX loan will stay as a hidden loan without gaining any interest till I pay off the second loan. Or it will be due if ever try to sell the house, but refinancing would not be a problem at any time I want to, if I find any lower interest rate any time in future. That is when I signed the loan. Now that the interest rates are very low and when I tried to refinance the house, they denied. In the past 7 years since the modification, I was never late for any monthly payments. I kept a clean payment history/record. Due to my financial trouble then, I had to file bankruptcy, because of this, my loan is not reported to credit bureaus, which makes it harder to get a loan from another lender. The mortgage company trapped me in with this unmodifiable loan for rest of my life at this interest rate. I also have a very high interest HERO loan for the solar I installed on home. For almost five years now I am paying that high interest. I was just trying to combine the second loan with the HERO at the current available lower interest rate to lower my payment because I am going through financial trouble due to COVID-19. My wife just got leadoff from her job after 13 years of service when they shut down the refinery she works, due to COVID-19. Bank gave excuses from refinancing the loan and asked me to withdraw my refinance application without denying the loan.
05/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • XXXXX
Web
I applied for a home loan from company XXXX XXXX company who is associated with Carrington Mortgage located in XXXX, TN XX/XX/XXXX. My loan officer name was XXXX XXXX. It took her about a day or two to see if I qualified credit wise and I did. My credit score got me qualified for an FHA loan and I asked for XXXX mortgage loan. She got all of my documents and told me that she couldn't use some of my income because it was from my business and I need to be in business for at least 2 years in order to file it. So she denied me for the loan BUT she never ask me if I wanted a smaller loan. I actually had to bring it to her attention if I qualified for anything lesser than I originally ask for. Because I ended up finding a home for a little of nothing and I was going to fix it up. I asked for XXXX mortgage loan and she said yes I can do it. That's when things went left! All of a sudden she had so many meeting that she wouldn't answer the phone and could barely email me back in a timely fashion. She would ask for additional types of documents and bank statements which I indeed provided to her. On XX/XX/XXXX I asked for a Prequalification letter, she hits me with I have additional questions I need answered and I answered those as well. I asked her what was the need for the additional questions she replied, so we won't have to do them after I get the loan. The last time she ask me a question and for documentation was on XX/XX/XXXX and again indeed sent it to her. I never received my pre-approval letter! On XX/XX/XXXX I tried calling her no answer so I emailed her and she replied I never received the documents I asked for on XX/XX/XXXX and I replied I did send it to you and I even copied and forward the information to her. Also on XX/XX/XXXX I email her supervisor XXXX XXXX and explain to him what was going on and I was waiting on my approval letter. Guess What! ... I never got a reply from loan officer XXXX XXXX nor her supervisor XXXX XXXX from the email I sent both of them on XX/XX/XXXX. I feel like I was done this away because of my race and I'm deeply hurt by this experience.
02/21/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 64068
Web Servicemember
I received a call from XXXX who services my homeowners insurance to let me know that a payment had not been made in early XX/XX/XXXX. I reached out to XXXX at this time because they bought my loan from XXXX XXXX XXXX XX/XX/XXXX before the payment way due. I talked to XXXX XXXX XXXX department and they said that it had been paid. I gave it a few days and called XXXX back. They said they still had received no payment and that my homeowners was set for a cancellation notice to go out. I reached out to XXXX again the last week of XX/XX/XXXX. The insurance services department said they would escalate it for research. Again I didnt hear back. I called the first week of XX/XX/XXXX and they said to give it a few more days because it was still being researched. We sold my house on XX/XX/XXXX and no money came back from escrow to me. I received no refund from my insurance. I called back again XX/XX/XXXX after receiving a bill from my insurance company. Insurance services said they researched and found that I would have to talk to someone in their customer service department because they couldnt see the information they needed. They tried to transfer me but it disconnected them. I called the direct number twice yesterday and twice today and after long wait times I am disconnected. I called my former mortgage company, XXXX XXXX XXXX, and they say they transferred {$1900.00} of escrow on XX/XX/XXXX when the loan was sold. My property taxes were paid but my insurance was not paid by XXXX, but they have lost the money and wont even give myself or my insurance company a check number to try and track this apparent payment. This is over {$600.00}. I then initiated an online chat with XXXX and the agent ( XXXX I think was his name ) said I would have to call. I told him I have multiple times but always get disconnected and his only answer was sorry we are experiencing high call volume and that he couldnt have someone call me I would just have to keep trying. I dont know what else to do to get the insurance company their {$95.00} and me the rest of the escrow money they owe me. Thanks!
04/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KY
  • 41015
Web
I inherited this property through my deceased Mothers estate 10 years ago. I am currently behind on the mortgage and I am selling the property to avoid any foreclosure. I attempted a short sale in XXXX, XXXX. There is a first mortgage with Carrington of {$65000.00} and a Partial Claim with HUD for {$26000.00} from a Loan Modification my Mother completed while XXXX XXXXXXXX. The short sale appraisal came back at {$130000.00}, therefore the short sale Carrington offered was higher than the mortgages owed. I have spoken with several Realtors and the house wouldn't sell for close to that. The previous tenants trashed the house and there is a major plumbing issue under the house which was reported to Carrington. I went to the house in XXXX before I went in to have a XXXX XXXX XXXXXXXX for XXXX XXXX and Carrington changed the front door locks on XX/XX/XXXX. They didn't contact me, nor had any legal right to change the locks on the house. I am not in foreclosure and I have been in contact regularly with Carrington in regards to selling this house. They immediately knew their wrong doing and removed the lock box and left the new lock key under a rock on the porch on XX/XX/XXXX. I requested an updated pay off from Carrington on XX/XX/XXXX and there are {$3200.00} in bogus fees. I called and spoke to a Customer Service Rep who couldn't advise any info on the fees. I asked to speak to a Supervisor and was transferred to XXXX. He couldn't provide any information as well and instructed me to " dispute '' the items. There are charges for Roof repairs, repair bids, Other, etc. There have been no repairs done. When they illegally changed the lock, they did put saran wrap over 2 toilets. I should not be paying for any repairs, lock changes, debris removal, etc as the changing of the locks was unauthorized and no repairs or debris removal has taken place. I am in the process of selling this property and need the pay off to be corrected. I do not want to have to take legal action in regards to the bogus fees charged and illegally changing the locks. Any help is appreciated. Thank you!
02/05/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 93291
Web
For the last XXXX yrs. XXXX mortgage company has been servicing my loan collecting payments and has always provided a monthly periodic statement. In XXXX I received a notice from XXXX dated XXXX stating the servicing of your mortgage loan will transfer from XXXX XXXX Bank, XXXX. ( XXXX ) to Carrington Mortgage Services, LLC effective XXXX. Your new servicer will:1 collect and process your payments 2 : Send account statements and Annual tax forms 3 : Notify you of account-related issues and updates. This transfer does n't affect any of the terms of your loan, other than the terms directly related to the servicing of your loan. So on XXXX Carrington started collecting my payments which I send through my banks bill pay processing center. Since then XXXX - XXXX XXXX payments later I have not received a monthly periodic statement of any kind showing Carrington received my payment or how my payment was applied balance Etc. According to ( XX/XX/XXXX TILA servicing Final Rule ). Creditors, assignees, and servicers must provide a periodic statement for each billing cycle containing, among other things, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. These statements must meet the timing, form, and content requirements required provided in the rule. When I called contacted Carrington about my monthly periodic statement inin XXXX they told me since my loan was recently transferred over I should start receiving them shortly. So on XXXX XXXX still have not received monthly periodic statement I called Carrington and spoke with XXXX REP-Supervisor XXXX and asked about my monthly periodic statements. She told me I need to send a request in writing to there research dept. for my back statements and a request in writing to another department to receive monthly periodic statements. I know under The TILA servicing Rules they are required to supply me with this information. But will not.
03/29/2016 Yes
  • Mortgage
  • Other mortgage
  • Credit decision / Underwriting
  • ME
  • 044XX
Web
Last year, I had some water damage occur to my home, so I filed a homeowner 's insurance claim with XXXX XXXX. XXXX XXXX sent me a check for the funds needed for the repairs and the check was made out to me as well as my mortgage company, Carrington Mortgage Services, since the check was well over {$10000.00}. Carrington released some of the funds last summer, but they are still holding nearly {$5000.00} that they are not releasing to me. I have been trying to get them to release these funds to me for nearly 2 months so that I can pay off my contractor, yet they keep giving me a run around about having an inspector contact me, which has NEVER happened. I finally got fed up today and e-mailed the CEO of Carrington Mortgage Service, XXXX XXXX, and explained the situation and demand that my money that they are holding hostage be released immediately. About an hour later, I got a reply from XXXX XXXX, which I am 100 % sure was not intended for me as it was addressed to someone named XXXX. This is what the email said : " XXXX - This XXXX has been pestering us for at least a year that I can remember, I ca n't even sort out all of the details of what she is referring to any longer. Let 's do XXXX things here - solve whatever the current issue is asap and then get XXXX to offer her a streamline refi at what ever rate will incent her to refinance quickly, then sell the loan on a released basis into the market so that we are no longer dealing with her. Please let me know your thoughts. XXXX '' First of all, he called me an XXXX!!! Secondly, I have NO idea what he means by I have been " pestering '' him for a year as this is the very first time I contacted him. Thirdly, what he is trying to do to me is illegal. I have also filed a complaint at the state level ( Maine ). Also, below where it asks " which part of the mortgage process is your issue related to? ", this situation does not apply to any of the available options, so I just checked the option for " receiving a credit offer '' since I had no idea which XXXX to select since none of them apply to this situation.
12/03/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CO
  • 80126
Web
My loan was just transfered to Carrington Mortgage Services. I 've had several home loans and this has been by far the most difficult one to work with. I pay extra on my mortgage every month. However, they make it very difficult for you to do so. I can not pay extra via their website. It shows the options to do so, but they do n't work. The most I can pay is my mortgage payment. My options are to call in and give a stranger my checking account info every month. Which they entered wrong the first month and did n't work anyway. Regardless, very time consuming to pay a single bill every month. I also, can make multiple payments to accomplish this. Since I ca n't make a larger payment, I have to make multiple payments. However, I can only make one per day via their website. It becomes a multi day hassle. Even so, I still will have to call to make sure the extra money under the other option is still added to the correct place. They also told me, I could pay extra provided I pay on or after the first every month via the website. That was a lie. Still does n't work. I 've never encountered a place to difficult to pay a bill. I 've had several car and home loans and by far the most difficult one to work with. They make it very hard for you to pay extra potentially trying to make sure your loan is dragged out as long as possible, making them more money and costing the consumer more. They need to make their website be able to take larger payments. Telling me that they 've had lots of complaints and " that 's just how it is '' is unacceptable. If they ca n't fix it, I would request my mortgage be sold to another company. No other mortgage service I 've dealt with has been this difficult to work with. I should not have to spend this much time and effort to pay a single bill every month. It is n't fair to me, especially when I pay on time or early every month. It should n't be a punishment for that and wanting to pay extra to pay off my loan. XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX held by Carrington Mortgage Services for property atXXXX XXXX, CO XXXX
10/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KS
  • 665XX
Web Servicemember
In XXXX XXXX, my mortgage was sold to Carrington Mortgage Services , LLC from XXXXXXXX XXXX. At about the same time, I filed for Chapter XXXX bankruptcy, and managed to get the one payment caught up that I missed, and have bank statements reflecting as such. I continue to make my payments on time and think everything is ok, and then approximately two years later, Carrington files a proof of claim with the bankruptcy court stating I missed a payment ( which I have n't ), and also asked for approximately XXXX XXXX in " projected escrow shortage ''. Unfortunately, I did n't have the money or resources to pursue this matter in court further, so I ended up having to have my house payment rolled into the payment I was already making to the court to " clear up '' this matter. Fast forward to XXXX XXXX, where I lose my job, and manage to continue making payments, and in XXXX I converted the bankruptcy case to a chapter 7 simply because I did n't have a job, and I ca n't afford for them to dismiss the case and have all the other stuff come crashing back down on me. I 'm making payments this WHOLE time, without fail. In the same month ( XXXXl ), Carrington files a relief from stay because they say I 'm behind on my mortgage ( which I 'm not and I can prove it ). Well, the Chapter XXXX Case was XXXX in XXXX XXXX, and their relief from stay was denied because of this. I also have an email in my possession from their attorney stating that my mortgage is current through XXXX XXXX ( it 's current through XXXX XXXX as well ), and I am STILL showing a balance of {$2300.00}, and I have no idea what it 's for. Not only that, but I get an escrow review and my payment has gone up {$61.00} to {$820.00} for a perceived escrow shortage. I contacted XXXX and their rep advised me to call in and find out what 's going on. They told me it was advance payment fees of some sort. I 'm 99.9 % sure it relates to the bankruptcy case, which is now closed, and they ca n't collect on that. So, I thought I 'd start here first. I also have a QWR letter waiting in case I need to send that too.
01/27/2018 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • GA
  • 30062
Web
Mortgage company : Carrington Mortgage Service, llc Loan no : XXXX on XX/XX/XXXX requested a payoff statement. On XX/XX/XXXX paid the total amount to pay loan in full requested in the statement ( {$97000.00} ) via wire transfer ( documentation is available if needed. ) While waiting for the releasefof the lien, another monthly statement was received. immediately called CMS. they had no knowledge of the loan being paid off. Asked them to provide a fax number so I can send them all the document proving the payoff. Faxed 13 pages of documents and a personal written request for the release of the mortgage to all 3 fax numbers that they had provided us. on XX/XX/XXXX we received an escrow refund check for {$2200.00} From CMS, which usually means that the loan was cancelled, but still it was not release. Meanwhile since the monthly payment was not made it became delinquent and late charge notices started to come in. They also reported the delinquency to the credit bureau and ruined my perfect credit score. Called CMS, four more times. Each time they provided us ( myself and my authorized user ) with different fax, phone and mailing address to send them our documentations. They also escalated the " problems '' to their " managers '' and we were going to hear something from them by Monday XX/XX/XXXX. Nothing happened. Instead they invoked foreclosure based on " terms of " my " mortgage contract. '' I have done everything in my power to stop foreclosure and release the mortgage ; faxing documents, contacting CMS on numerous occasions, sending certified mails to all branches of CMS, including their California, Arizona and customer service offices, notifying HUD, by certified mail, of the problem ... but have not been able to cancel the loan. Since per Georgia 's law lenders are required to cancel a security deed within 60 days of full payment, how can I hold them reliable for failing to cancel the deed and is there anything that your bureau can help me with? I thank you in advance for a ) taking the time to read this complaint, and b ) for your assistance
09/23/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • GA
  • 312XX
Web Servicemember
Good Day : I currently have a VA loan with my mortgage lender, Carrington Mortgage Services. I went into the COVID forbearance plan during the pandemic. Afterwards, the mortgage lender did a trial loan modification ( beginning XX/XX/XXXX ) and asked us to pay a 3 month trial payment and they would send the trial loan modification agreement to us. We successfully made the 3 month trial payments per their requests, but never received the agreement after asking multiple times ( 3rd payment was XX/XX/XXXX ). We communicated and asked what was the next step and was informed they were behind on paperwork due to an overwhelm of loan mods and to wait. After complaints of not receiving updates, they recommended we start a new loan mod and submit an application ( XX/XX/XXXX ). Meanwhile, we were advised that we were still under the forbearance plan and were safe ( per their statement ). After months of back and forth, they have now provided results, which the modification was declined and they are suggesting short sale. We should have been considered for a VA partial and was not. A rep stated that the partial claim was inadvertently overlooked as an option and she admitted it should have been considered first, but it was now too late because they no longer offer it as they did not finish processing our XX/XX/XXXX application until XXXX. Prior to starting the forbearance, we were NEVER late and weve been in the home since XXXX. This is unacceptable as we were initially informed that we would have a loan modification completed and would continue to make monthly payments ; however, I can not pay the full balance that accrued during the forbearance. The lender has now submitted foreclosure documents to an attorney. We are fully capable of making payments. I am having extreme difficulties with the mortgage lender and they are requesting full payment of the balance that accrued during the forbearance period. They have now marked us as delinquent on our credit report after stating we were still under the forbearance during the loan mod. I DO NOT WANT TO LOSE MY HOME.
07/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MS
  • 387XX
Web
On XX/XX/2018 my husband received a call from our Mortgage Company trying to talk us into refinance our loan. My husband stated he did not want to refinance the loan said no, the loan officer was told to speak with me, the wife. After hearing what the loan officer had to say, if we are interested we will call you. We didn't call him. Th loan officer toke it upon himself to begin the refinance process and mail a loan packet to us. He had already insulted us. We have the right to refuse a re financing of our mortgage. A credit application was sent to us with a new loan number and paper work to sign. my husband credit was ran without his permission, the loan application process was started without permission. We faxed a cease and stop letter, on Friday XX/XX/2018 after the loan officer called back Friday morning. My husband stated he was not interested and he continue to try and presuade him into a loan harassing him to agree to somethings on the phone. My husband refused and hung up the phone. The loan officer then called my phone. I was unable to answer because I was at work. my husband called me and informed me of the call. I wrote the letter and faxed it to the mortgage company on Friday. Today we revived the loan application packet, with a new loan application, and disclosure. We didn't ask for any of this. The loan officer used Bullying, harassing, and trying to presuade us into a new loan despite we didn't want it. he could not understand why anyone wouldn't take advantage of such a great opportunity. Why would you like to continue paying a higher rate? It makes no sense. I don't like the implications, the insults, and don't like the fact he tried to force this refinancing on us. It is not right to harass someone because you want to get your numbers up. In addition mortgage companies should not pre-screen loan holders and harass them for their personal gain. if you send out a letter stating individuals can refinance or contact the mortgage if one 's choose to contact you one can. If one doesn't contact you, then they want your services.
07/05/2017 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 953XX
Web Older American, Servicemember
Carrington Mortgage Services LLC Loan No. # XXXX Phone No. # XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX was my first and only lender until XXXX XXXX XXXX bought XXXX XXXX XXXX on or about XX/XX/XXXX.

After XXXX XXXX XXXX bought XXXX XXXX XXXX their sales personnel campaigned hard on me to refinance for a lower monthly payment on my mortgage.

I, XXXX XXXX XXXX didnt know any better so my wife and I refinanced with XXXX XXXX XXXX. I believe we were tricked into refinancing.

After 5 long years of giving XXXX XXXX XXXX all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale.

XXXX XXXX XXXX agreed to a payoff of {$200000.00} in which they would be paid in full.

On or aboutXX/XX/XXXXI called XXXX XXXX XXXX and customer service answered and informed me that they now longer service me and they sold my loan to Carrington Mortgage Services LLC.

I called the XXXX XXXX XXXX customer service department and asked the representative why XXXX XXXX XXXX sold my loan for pennies on the dollar to Carrington Mortgage Services LLC and take a loss when they were going to be paid in full?

The XXXX XXXX XXXX customer service representative told me that they have the right to sell my loan to anyone and anytime they want to.

On XX/XX/XXXX I submitted a complaint with the CFPB No. # XXXX against XXXX XXXX XXXX and asked very hard questions about producing documents.

XXXX XXXX XXXX response was that they gave everything to Carrington Mortgage Services LLC and I would have to contact them for any requested documents.

I dont believe Carrington Mortgage Services LLC can produce the XXXX XXXX XXXX to XXXX XXXX XXXX documents Because XXXX XXXX XXXX, in my opinion never had them.

In my opinion its as though XXXX XXXX XXXX never had any documents to give and XXXX XXXX XXXX covered their tracks by getting me to refinance.

The question below is a very important one and I believe that 's why XXXX XXXX XXXX sold my loan to Carrington Mortgage Services LLC.

02/03/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33572
Web Servicemember
I purchased my home ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) on XXXX XXXX, XXXX. I financed my mortgage through XXXX. On XXXX XXXX, XXXX my mortgage was sold by XXXX to Carrington Mortgage Services , LLC . At the time this did not present a concern to me. I made my XXXX XXXX mortgage payment to Carrington and everything was fine. In XXXX XXXX I received my mortgage statement from Carrington and my payment had been raised from {$1100.00} to {$1200.00}. On XXXX XXXX, XXXX I called Carrington to inquire about the {$160.00} monthly increase. I was told that my insurance had not changed, but that my taxes had gone up {$790.00}. I verified the tax increase with the county, so I know that figure is correct. I then asked why my payment had increased by {$160.00}, since the tax increase should have only increased my payment by {$66.00} per month. I was told that it is their business practice to hold a " two month cushion '' of my escrow account. This is not in my original loan terms with XXXX and I never agreed to these terms. I am agreeable to pay the extra {$66.00} per month to cover my tax increase, but I do not see why I am required to pay an additional {$98.00} per month so that Carrington may have a " cushion '' for my escrow account. I was told by the customer service rep on XXXX XXXX that I could request to hold my own escrow account. On XXXX XXXX, XXXX I sent a letter to Carrington via fax as well as certified mail requesting that I hold my own escrow. On XXXX XXXX, XXXX I received a response via USPS mail from Carrington denying my request to hold my own escrow. As a XXXX female veteran, with a VA home loan, I am appalled by the business practices of Carrington Mortgage Services. They are STEALING money from their customers. I am not the only one to experience difficulty with this company. A quick XXXX search shows hundreds of people being taken advantage of by this company. My next step must be legal action, but I am hopeful that the Consumer Financial Protection Bureau will look into this and put a stop to this disgraceful company.
01/14/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • AE
  • XXXXX
Web Servicemember
Carrington Mortgage LLC was not the original loan holder for my house. Over the course of 3 years they acquired the mortgage. In XXXX 2015, South Carolina had massive amounts of flooding and many homes were damaged. Carrington Mortgage LLC took it upon themselves to send an inspector out to the home to inspect for damage and then subsequently charge XXXX dollars for the inspection. The problem I have is : 1. Not one point in this process did Carrington Mortgage reach out to me via email, mail or phone call to notify me of the inspection. 2. Carrington did not provide me a report detailing what the inspection covered. Reviewing my XXXX 2015 billing statement, the inspection fee was listed and that 's how I found out 3. Carrington was unable to provide where in my mortgage documents stating that the fee they charged, I had to pay. They mailed me a copy of the documents circled a paragraph. In the paragraph it states nothing about an inspection after a disaster, nothing about an inspection that the mortgage company wants to do or anything. The paragraph clearly states that I must pay for all taxes, assessments, fines etc for the property. 4. I am not even sure the company performed the inspection, as I was n't there or notified 5. Calling them is useless as they cant do anything over the phone. Everything has to be mailed or faxed. I have called three times to speak to them, each time a request must be sent to the Research Department for them to review and get back to me, approx. 30 days. When requested to be transferred by phone to the research department, they say they are unable to take phone calls. During a time of disasters companies find ways to profit from it. I think Carrington is one of those companies. Although {$15.00} is not a lot of money from one person, it could add up from XXXX or XXXX of people in SC that got charged this fee from Carrington. The home inspection, if they performed it, was to benefit the company not the consumer. This was them protecting themselves as such, they should be the ones to pay the fee.
03/29/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 487XX
Web
im in my last six mouth redemption period. but hers my question last XXXX we applied for the mi half and i found out about that program throw my mortgage company carrington. i made them aware that i did apply for the grant and we had a very good shot at it because my wife lost her job due to covid. every month i called carrington then i called mi half XXXX came around and mi half said we got everything in but they where backed up snd still waiting for someone to look it over. i called carrington and told them they said my house was set for the sheriff sale XXXX XXXX of last year : i tried to get it stoped but XX/XX/XXXX came and they did it anyways. i fill i lost my home directly due to my mi half. the bank told me all mi half would of done was to contact them to tell them i was working with them. I had other options I couldnt get a loan modification but I couldnt do that because I was waiting on an answer from mi half and now because of them the bank is blaming it all on mi half they said the sheriff sale would been stop if mi half wouldve done your job and contacted my mortgage company. mi half contacted them XX/XX/XXXX and carrionton refused payment. My mortgage company told me that they dont care what I tell them they wanted to hear from the organization mi half and I am under the understanding that they are supposed to contact the mortgage company to tell them that theyre working with the them. I am sitting here with one month left and because of this I lost my house. thats my story. My question is, is there anything I can do? I am told that under Sercombe circumstances that that can be reversed. I think Im should be one of the circumstances. my DHS caseworker told me that there must be something that can be done because thats not fair. i will lose my hind because of this issue. ive contact everyone i can mortgage company mi half everyone point the figer at each other but at the end of the day im going to loss my home of 15 years because of two places that cant communicate. please help. XXXX XXXX XXXX XXXX XXXX
06/01/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MO
  • 657XX
Web
On XX/XX/2022 a late fee of {$18.00} was assessed to the loan on the grounds that the payment for XX/XX/2022 in the amount of {$640.00} had not been received, and had been assessed to the account as of XX/XX/2022. As of the date of this letter, this date has not yet passed. As our loan documents state, we have a sixteen-day grace period from the due date of the XXXX of every month to make the payment without a late fee being assessed. The claim in your letter dated XX/XX/2022 for a late fee for XXXX is erroneous as the date XX/XX/2022 has not yet passed. The fee actually originated from a payment I made on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX. I have included a printed receipt that includes a time stamp showing the date and time the payment was made. There should have been no fee assessed to this payment as it was made within the allotted grace period stipulated in the loan agreement. However, because of a time zone difference that the company prefers to base payments on, and that we were not advised of upon transfer to this servicer in XX/XX/2022, a late fee of {$18.00} was assessed. Because the payment was made on time according to our time zone, and we had not been advised by the company that this time difference mattered in regards to making a payment, we did not agree that this was an accurate or equitable assessment of a late fee. We decided to call to ask that the late fee be removed. I was told by the representative I spoke with that they would not be willing to remove it because the notice that the time zone difference mattered with regard to payments was included in the transfer paperwork and on their website. I reviewed the information and there is no mention of this notice anywhere. I have included a copy of the transfer paperwork for your reference to confirm there is nothing mentioned regarding the specific time of day payments must be made by. This is an erroneous assessment of a late fee that needs to be removed as soon as possible. Your prompt attention to this matter is greatly appreciated.
11/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 30115
Web
Our mortgage was bought from XXXX XXXX to Carrington Mortgage in XX/XX/XXXX. Sometime in XX/XX/XXXX we missed a payment. When we received a letter from them, we looked back through our records trying to find where we messed up. We kept getting late notices and we were sent to collections every month. Carrington also sent notice to the credit bureaus. We spoke with Carrington several times and everytime we got someone on the phone, they were having computer issues or " would put on note on the account ''. We spoke with a knowledgable lady at Carrington and she told us that they keep putting our funds in a " reserve '' account if the check we send in is for an amount different from the amount owed. Even if the money was sent in on time, it would be put into a reserve account, they would charge us a late fee and send us to the collection bureau. Everytime we call we get someone who doesn't speak XXXX well, or doesn't understand what we are saying. I called on or approximately on XX/XX/XXXX for the same reason. {$1100.00} was sent in and it was placed in a reserve account. We asked to have a face to face meeting with someone to go over where the error is and find a way to fix it and we were told there is no one within 200 miles. Carrington was going to email us copies of all payments made from the time they bought our loan until now but of course the computers were down and they could only mail it. I just received them this evening of the XX/XX/XXXX. Due to all of this, our credit has been destroyed. Everytime we think we are caught up, we end up going deeper in the whole and can not get a straight answer from anyone. Also, I tried speaking with Carrington Mortgage several times about PMI insurance. When we bought our house in XX/XX/XXXX, our mortgage was {$1100.00} and that included PMI. Our mortgage payments now are {$1100.00} and they claim we are no longer paying PMI. If we are no longer paying PMI, why hasn't my mortgage payments dropped? No one can give me an explanation for this other than I am not paying it.
08/18/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 283XX
Web Servicemember
In XX/XX/XXXX 2014 my previous mortgage company XXXX XXXX ), sold our mortgage to Carrington Mortgage Services XXXX a branch of XXXX ) without any prior notification that this was even being considered. I do n't think mortgage companies should be allowed to sell our mortgages without any input from consumers. I was n't even notified that they acquired my mortgage until the XX/XX/XXXX 2014, almost 3 months after they bought it. I am an active duty military member and stationed XXXX XXXX my wife and kids are located in the XXXX area of XXXX state XXXX and the property associated with this mortgage is located in XXXX and is a Veterans Administration loan. When we discovered that Carrington Mortgage Services bought my mortgage, we called them to get some information as to what I needed to do to keep paying my mortgage, but their mortgage associate who we spoke to did not have any answers to any of our questions and we had to question what exactly was her purpose. They are not very helpful at all, and in fact is one of the worst customer service I have ever seen in any company. They then threatened to foreclose our home. We had to request a mortgage modification loan to get our mortgage back on track and end the foreclosure action. Once we started the mortgage modification process, they sent their associates in the local area of my property to take pictures and determine if the home was occupied. They did this on numerous occasions although we already informed them that our son and mother-in-law were living in the home. We had to send in all my documents they required for the mortgage modification on four separate occasions because they claimed that they did n't get it, or was somehow mis-placed in their facility somewhere. We faxed all our documents to them and also scanned and up-loaded them on their website as a backup. Hence, their excuses about it being mis-placed is nonsense. We honestly believe that they are simply incompetent and the myriad of departments they have do n't always communicate with each other.
03/31/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Closing on a mortgage
  • 80528
Web Servicemember
I am the XXXXXXXX XXXX of an XXXX. My fathert had a reverse mortgage on his home at in XXXX XXXXXXXX XXXX, being serviced by Carrington Mortgage Services. Upon his passing in XX/XX/XXXX I contacted Carrington ( in XX/XX/XXXX ) to find out what our option were. They told me that a 6 month extension was automatic, and interest would accrue at {$1100.00} per month as long as the property was for sale. As instructed, we installed a for sale sign and started showing the property to prospective buyers. We never received any additional information or communication from Carrington. During this deferment period, Carrington raised the monthly payments from {$1100.00} to {$1600.00} ( 47 % increase ). They also pushed the property into their foreclosure status in a scheme to add legal fees. First claiming they were not required to forward " sensitive '' documents to me, then later claiming it was because they didn't have proof of marketing, even though they sent a person out each month to photograph the for sale sign. At the end of the six month period, in XX/XX/2023, I called Carrington to find out what we could do. It was at that moment I was informed the property was referred to foreclosure and the monthly payments had been increased by 47 %. Either they misrepresented what the requirements were, or they knowingly withheld the specific details as part of a scheme to push the property into foreclosure to collect additional legal fees. At the very least, Carrington and its agents were deceptive in telling me the estate had 6 months @ {$1100.00} per month to sort everything out. That {$6600.00} expectation turned into a $ XXXX bill from Carrington at a time when our family was vulnerable and grieving. We were required rush out to obtain financing, resulting in a higher than normal origination fees and interest rates, all in the effort to keep Carrington from stealing our fathers house. This isn't right. We never even had a a real chance to dispute the charges. They just added all these fees on to the payoff.
01/07/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • GA
  • 30157
Web Servicemember
This is a formal complaint that I would like to request against XXXX Mortgage XXXX XXXX # XXXX Per our last communication on XX/XX/XXXX. I spoke to XXXX Mortgage XXXX to confirm that the additional paperwork at their request for my loan modification was received via Fax ( see attached ). I spoke to them regarding the current status of my loan modification. I was told that the paperwork was received and notified that the documents were still being reviewed for our loan Modification. Per the last email on the XXXX from Special Servicing Specialist it stated " If you are still in need of assistance, we are happy to help, just give us a call at XXXX or XXXX for more details or you can send in the mortgage assistance application to reapply. There is a foreclosure sale date of XX/XX/XXXX so we need a full package as soon as possible ''. Unequivocally at no time during our last phone call ( XX/XX/XXXX at XXXXXXXX XXXX ) nor leading up to XX/XX/XXXX, myself, nor any member of my household was notified via phone, in person or registered mail that the house would be still placed on auction on XX/XX/XXXX. It was on XX/XX/XXXX, that my wife was contacted by a third party that stated that our home had been sold to a third party. We then contacted our Veterans Affairs GuarantoXXXX advocate office in XXXXXXXX XXXX The XXXX XXXX XXXX XXXX were unaware that XXXX Mortgage XXXX XXXX # XXXX had been in communication with us. XXXX Mortgage XXXX did not notify the XXXX Affairs XXXX that we had submitted documents for a loan modification during the same time as the sale of the home was nearing and began to proceed with the sale. We would like to request this to be investigated thoroughly and fairly. The process that was taken by XXXX Mortgage XXXX XXXX # XXXX is a display of unethical business practices and also displays XXXX XXXX in the highest regards. Please see attachments as additional details to support our statements of continued communication with XXXX Mortgage XXXX # XXXX in regard to our Loan Modification request.
02/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 940XX
Web
Purchased our home XXXX, lender XXXX XXXX. Payments processed, account accurate, zero problems in 11+ years. Loan sold to Carrington Mortgage XX/XX/XXXX without consent, don't understand why. Since loan transfer, errors with account, lost payments, contradictory communication, and then this : We lost 95 % of income due to Power outage disaster, followed by Covid restrictions, shutdowns ordered by the state of California. Carrington granted forbearance initially through XX/XX/XXXX. In late XXXX, service rep. extended forbearance through XX/XX/XXXX. When I initiated contact near end of this period, I was told forbearance only was first 90 days ( XXXX ) and I was therefore in Default. There was no warning and no options given at any time. XX/XX/XXXX received Default notice from Carrington. When I called to ask why the rep " XXXX '' told me I shouldn't worry about it, call us in 30 days.. let us know if your situation improves. '' XXXX, XX/XX/XXXX, I attempted to reach XXXX, calls, e-mails were not returned. I then submitted loss mitigation forms, seeking options including possible modification, forbearance. XX/XX/XXXX, received notice of foreclosure from XXXX, Texas law firm. XX/XX/XXXX, Carrington sent notice of incomplete mitigation forms. I returned requested forms by US mail, and e-mail several times, to multiple company representatives, as of now they will not acknowledge receipt. It is my understanding I must receive written determination of my application before any actions, timelines ( default, foreclosure ) commence. By California law, Dual Tracking is banned. It has been very difficult what has happened to family members, and our livelihood during pandemic and don't believe company is acting at all in good faith, or legally. They have ruined our credit, and posted public foreclosure notices causing many unwanted solicitations. I need all timelines stopped immediately until I am given, by law, the 14 days to respond.. once a decision to my application is received. Sincerely, XXXX XXXX
08/19/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 305XX
Web
I have already filed a complaint against Carrington Mortgage. They verbally told me on the phone when I spoke with a representative that there was an issue with the title on my property XXXX XXXX XXXX XXXX XXXX GA XXXX and that once the title issue was resolved they would let me do a deed in lieu. Today when I called they informed me that they were selling my property to yet another bank and I would have to begin the foreclosure process all over again. This house has not been paid on in over 4 years and has been vacant over 4 years as well. I had to file bankruptcy to stop this property from continuing to hurt my credit however it is still showing me as the owner on XXXX and therefore I am not allowed to ever purchase another home for my family and rebuild my credit. Carrington Mortgage also stated they had someone come out and secure the property, I can gladly provide documentation that this property is not secure. People are stealing copper wiring and taring away the permanent foundation underneath and are going into the property and doing illegal drugs according to the officer I called out the the property. The officer stated that they have asked the bank/Carrington Mortgage to board the property up and they fail to comply. This is a huge safety hazard. I do not understand what it is going to take to get this property out of my name. I want to do a deed in lieu as agreed upon and yet here they are shuffling me off to yet another mortgage company instead of holding up to our verbal agreement. They stated the would contact HUD to get this to stop reporting to cavirs but when I contacted HUD they said they were not contacted and it is still reporting. Is there anything legally I can do? This seems unfair to me to never be able to buy another home because they are not foreclosing on this one after 4 years nor allowing me to do the Deed in Lieu as they agreed to. As mentioned I can gladly get pictures of this property they claim is secure and show it is in fact not, it is a dangerous hazard to the community.
09/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37862
Web
After around 10 years of at least 15 carriers and over 100 letters threatening to foreclose, litigation, in which a judge ordered the loan to go to arbitration around 3 to 4 years ago, a new company appeared out of no where and claimed they where the new carrier and told me they had no previous records of judgements or court preceding 's, nor any documents pertaining to the loan. as of around XX/XX/XXXX of this year, after many letters from several mortgage companies, Carrington mortgage, llc started sending letters claiming they were the new carrier of the note, ( one note, I had received a letter from the last carrier saying they would no longer be servicing the not and the insurance would be dropped ). around may I received a letter from manner, XXXX XXXX XXXX XXXX XXXX saying the foreclosure date was set for XX/XX/XXXX. I then ask an attorney, ( whom I have not retained but only ask for legal advise ) if I had the right to all docs pertaining to my loan and proof the carrier was a legitimate company and had the right, after I told the Attorney of my situation she called the law firm and said before you foreclose could we have the docs pertaining to the loan, the attorney for the mortgage co. said she would pass the info to Carrington and she would request a stay on the foreclosure. they postponed it for one month and 10 days. We took this time to speak with Carrington mortgage to obtain docs, such as transfer history, proof of carriers, loan payment history, ect. we received nothing. the lawyer ask me to do a three way to talk with Carrington on the matter, the conversation went nowhere and Carrington said they where foreclosing. they had no records, 0, they did send us some loan payment history but you could not read it, and the Lawyer representing Carryington sent us and Altered Deed Of Trust. you could not even tell who's loan history it was. This, in my opinion is a scam to foreclose on anyone who is unsuspecting and because they refuse to show any documentation, I must conclude there is none.
01/17/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20743
Web
I have lived in my home for XXXX years. My loan was acquired by Carrington Mortgage Services , LLC from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Prior to that my loan was with XXXX XXXX XXXX. In XXXX, I became past due and applied for a loan modification but was denied. In order to save my home, I filed for XXXX XXXX Bankruptcy. Over the last 6 years I have sent payments to the trustee for the arrearage balance and sent payments to the lenders for the current balance. The payments were not being applied properly and there are discrepancies in the amounts the lender says I owe on the current and arrearage balance. The lender filed a motion on XX/XX/XXXX to be removed from bankruptcy indicating I was in default {$540000.00}. On XX/XX/XXXX the lender was granted a lift stay to be removed from bankruptcy. I was still under bankruptcy and continued to send trustee payments. I have paid over {$21000.00} to the trustee since XX/XX/XXXX. The mortgage company accepted XXXX payment and per the trustee and has refused to accept {$19000.00}. The trustee filed a motion to disallow the mortgage company for refusing the funds. I have disputed the amount the lender says I'm in default and per their request, my attorney and I have provided proof of payments on multiple occasions, sending in copies of bank statements, ledgers and other supporting documents. I attempted to get help with XXXX to get a lower interest rate and affordable payment, but the Carrington denied indicating, I didn't qualify. I later learned from the Trustee that any modifications or changes to the loan had to be approved and signed off by the judge. I am currently working with the XXXX XXXX XXXX XXXX to bring my mortgage current as they have a {$20000.00} XXXX XXXX XXXX and a {$40000.00} no interest rate loan. My entire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need an audit and history of the billing and payments received and applied to each of the mortgage lenders that have serviced the loan over the last 7 years.
10/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Payment process
  • NJ
  • 080XX
Web
My mortgage is being paid by XXXX. I am being told three months after payments started payments are not being received. The payments are being received but there is a $ XXXXshortage. I was told by a representative that it is not the companies responsibility to notify a customer there is a payment shortage. My credit report has dropped XXXX points due to this. They are reporting my mortgage account as 30 days late and stating I owe XXXX. When that is not the case. I was not notified my mortgage amount has increased so how am I supposed to know to make any type of payment. The representative I spoke with was more than rude. When I repeated what was being said she would say thats not what she said. The calls are monitored and recorded. I then asked for a supervisor and was placed on hold. To then be hung up on. I called back and asked for the last representative name which was not given. I recorded the phone call. I then was told my account is past due and payment was never received when I have documentation all of the payments in reference have been paid. Carrington mortgage representatives continue to tell me my mortgage is 30 days past due for XXXX but have received actually payment from XXXX XXXX. All of this information has been recorded by myself. And I have documentation to prove the amounts being quoted as past due are incorrect. Yet my credit report is reflecting a 30 day delinquency. That per the carrington mortgage representative is not carrington mortgage responsibility to notify a customer of a payment shortage or increase in mortgage payment needed. Yet my account is being paid by a third party XXXX XXXX. At the end of the conversation I was told I could NOT make the payment without a representative although I was told I could make the payment online. The ball was definitely dropped by carrington and my credit score is being affected. I have a call recorded to prove this fact. Carrington has told me there is nothing they can do about it. But its essentially their fault.
04/20/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • XXXXX
Web Older American
My loan account was transferred to another mortgage company in XXXX XXXX. I have been on a bi-weekly payment plan with my previous mortgage company since XXXX XXXX. I paid an extra month a year towards my principal through the bi-weekly plan for about 10 years. I made XXXX payments in two of the months during those years, which are XXXX bank drafts per year. This should have reduced my loan payoff date, ( maturity date ) from XXXX XXXX. I have occasionally checked with Citi-mortgage in regards to my loan payoff date. I was always told that it was XXXX XXXX because of my enrollment in the bi-weekly advantaged plan. When my loan was transfer to Carrington Mortgage, it was written on my statements that my maturity date is XXXX XXXX. My issues are with all the money that was applied to my principal since XXXX and adjustments made to the amount of interest that has been amortized. I also understood that the extra one-month payment a year would also reduce my interest that further reduces the loan payoff date, ( maturity date ). I have expressed concerns to the new mortgage holder regarding the loan payoff date, ( maturity date ) because of the way it is stated now I will be paying them more money than is actually owed. They are telling me that even though I am paying every XXXX rather than XXXX, it would not affect my maturity date. People enroll in these types of plans to reduce the time it takes to pay off their mortgage loans. During the transfer process, I received letters from both mortgage companies stating that nothing will change about my loan terms or conditions. That statement appears to be false. I feel I am about to be swindled out of a lot of money without a true loan payoff date, ( maturity date ) bases on accurate financial calculations of my bi-weekly plan payments since XXXX XXXX. I feel the new mortgage holders of my loan account should not have purchased my loan if they did not agree with the existing terms and conditions of the bi-weekly payment plan from the previous mortgage holder.
04/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WI
  • 53218
Web
This was my second go around of refinancing with Carrington Mortgage. The first time, all communications stopped and I never received a reason as to why the refinance was denied or not. During the second try, on XX/XX/XXXX I paid {$720.00} for an appraisal for a refinance. On XX/XX/XXXX, the appraisal was completed. On XX/XX/XXXX, the XXXX XXXX advised the refinance was still in process ; just needed to clear the appraisal and title still. On XX/XX/XXXX, I was advised from XXXX XXXX, loan processor, the following : For the exterior painting work, we will do an escrow hold back at closing. We will take the estimate you give us and hold 150 % at the time of closing from the proceeds of the loan. So if the estimate is XXXX we will hold in escrow XXXX from you at the time of closing. Then in the spring once we receive proof that the exterior work is complete we will cut the XXXX check back to you. The money is not given to the painter. It is given back to you. On XX/XX/XXXX, I spoke by phone with XXXX XXXX regarding the exterior paint process and what I was advised by XXXX XXXX. XXXX was not knowledgeable of how the exterior paint would work and XXXX was out of the office to consult. On XXXX XXXX, the following email was received by XXXX and XXXX XXXX and XXXX XXXX ( XXXX 's supervisor ) were cc 'd on the email : Hi XXXX XXXX Per our call, I have advised XXXX you want to continue with the refinance. Since your loan is no longer active, XXXX will need to create a new application for you. Once that is done, we can resume the processing on your loan. By XX/XX/XXXX, I received XXXX mail stating my loan application was denied due to disparaged dwelling. By phone, XXXX XXXX stated that we ran out of time because the application can only be held for so long and they had given all the extension they could. I am requesting my {$720.00} back for the appraisal fee, it is not my fault that we ran out of time due to the lack of knowledge of the representatives I was dealing with. Sincerely, XXXX XXXX
09/20/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08087
Web
I had a qualifying hardship in XXXX XXXX when I went out on XXXX XXXX. Since then I have fallen delinquent with the mortgage on my primary residence. I have made numerous attempts to keep the home from foreclosure. The last contact I had with the mortgage company I was told that there is a cease and desist order and they could no longer provide me with any information. That was in XXXX of XXXX. I have not received a monthly statement from them since then. I was told by the mortgage company the lawyers phone number to contact and a last name only! The phone number was a fax number and I do not know the lawyer involved nor does the mortgage company. In the meantime, the mortgage company has obtained an attorney to represent them and the bank which the loan is through. I have not been able to even try to negotiate with the mortgage company because of this cease and desist order but they wo n't provide me any additional information to investigate on my part who ordered the cease and desist order. Since then my hands have been tied to any further contact or request for information on my mortgage account. The mortgage company is moving forward with foreclosure proceedings and had an attorney file a complaint in the Superior Court of New Jersey for a motion to foreclose on my home. The attorney representing the plaintiff will not provide the information I need to even file an answer to the complaint filed in XXXX XXXX. I contacted Legal Services in XXXX XXXX and was advised to cut my losses and remain in the home until the XXXX XXXX Sherrif seizes the property. I feel that this whole ordeal is a violation of my consumer rights and I am requesting assistance to resolve this matter as soon as possible. This is an urgent complaint that needs immediate consideration. As I mentioned I am XXXX and have not been able to find suitable housing because of my fixed income and a poor credit report due to the delinquency of this loan! Please help! Thank you in advance for your cooperation in this emergency situation!
02/27/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MN
  • 564XX
Web
I fell behind on my payment and was n't able to pay on time. I called in to make the payment before it fell into foreclosure. They refused the payment insisted i needed to pay 1 and a half payments in order to process. I asked how I was supposed to pay them before the first. ( its the XXXX of XXXX ) ( soonest i could borrow from a family member to catch up ) ( ex fell behind on his settlement due to his work situation changing. ) She said I was able to mail it in. Or do XXXX. She gave me vague instructions for XXXX seeings there was no way possible for the pymt to get there in 1 day thru the mail. After several calls to XXXX XXXX I discovered pymt was to be made thru XXXX by doing some research online. I the successfully made the payment thru XXXX. If this posts online for those of you who have had the same problem and are reading this it is CARRINGTON MORTGAGE HOLDINGS LLC on XXXX. The payment has to be credit card. They charge a fee but posts same day. The lady said it would take XXXX hrs for XXXX to post. Caused great panic for me. I feel they give you no option that is feasible. They almost force you into foreclosure. The other thing that bothered me was that in order to post the one payment they were able to only if I could authorize them to auto draft the other 2 pymts in a week to my acct. Who does that. If I am behind I certainly cant afford the pymt to post without any money in my acct. It was rude for them to not accept the pymt and force me to pay it thru an outside source. I feel they should change this and compensate me for the distress it caused me. I have panic attacks and this affects my daily living. this was not an easy thing for me. The state or government should mandate that they have to accept pymt just like a bank. After 90 days they need payment in full no partial months. They force people into foreclosure at that point. Its very unfair and needs to be addressed. I will be posting this incident online for others to read and hopefully we can get something changed. Thank you
12/20/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 63385
Web
Carrington Mortgage Loan # XXXX - This is the second time I have contacted you regarding Carrington 's business practices. You were successful on the first matter, thank you for that effort. I had serious financial matters earlier this year and my home went into foreclosure. I contacted Carrington and asked what I could do. We agreed that I would bring the account current. However the amount due would take XXXX5 days to pull together. I waited and was given a amount to pay to re-instate my loan. That amount was paid, and I begin to make my normal monthly payments of {$1300.00} in XXXX 2016. Since then my monthly amount due has been varying. I was informed when paying the back due amount their maybe a straggler fee coming in late. So when the first abnormal payment due I went ahead and paid it. The second time an abnormal amount was requested, 2 months after the reinstatement I called to inquire about what the charge was this time. The associate had to research it and came back and told me it was a title charge of some type, I paid that. Last night when attempting to get my 2016 tax information I noticed another additional charge, this is now going on almost 5 months since I settled and had the loan re-instated. An associatre again had to research it and came back and told me again it was a title charge of some type. I asked why I had been notified of the mysterious charges and explained what they were for, I got no explanation. I stated that this has to stop you ca n't just keep arbitrarily charging me more money with no explanation after almost 5 months. I asked why their phone system was stating my payment due was {$1300.00} and records on their on-line system were indicating {$1400.00} almost {$75.00} more than the normal payment. Charging a customer an arbitrary amount with NO explanation even after calling and speaking to them in person requesting an explanation and not getting an answer to me is below standard customer service. Practices like these open up serious possibilities for abuse.
11/10/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • MI
  • 487XX
Web Servicemember
I am a XXXX XXXX XXXX veteran with a XXXX XXXX XXXX XXXX I used my VA benefit to purchase a property at XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. ( 0 % down and no tax liability according to law ). I secured a fixed rate mortgage and my original interest rate was around 3 %. My monthly mortgage payment was roughly {$680.00}. I refinanced my original mortgage with XXXX XXXX XXXX and my mortgage payment increased to around {$760.00}. My mortgage was subsequently sold to Carrington Mortgage, and twice in three years my mortgage payment has increased over {$200.00}, allegedly due to escrow shortages according to Carrington Mtg. For the year prior to XX/XX/XXXX my mortgage was {$760.00} and, once again, allegedly due to escrow shortages my payment has once again increased {$210.00} to {$970.00}. Prior to this latest increase, Carrington Mtg. had increased my mortgage payment from around {$760.00} to {$880.00} for 12 months to cover what seems to them to have been an escrow shortage. Finding this out took many phone calls and conversations with several different people before I was able to make some sense of what their ostensible reason was for the increase. I do not understand how my fixed mortgage payment could increase in such large amounts over such a short period of time. I have gone from roughly {$680.00} per month to close to {$1000.00} in XXXX years. This baffles me and aggravates my sensibilities. Other homeowners in my location, whom I have talked to, have said they have never heard of mortgage payment increases in such amounts with a fixed rate mortgage. I am sending my complaint to CFPB with the understanding that CFPB has been involved with Carrington Mortgage before concerning other unfair practices by this corporation. Are Carrington Mortgages increases justifiable or legitimate? XXXX XXXX XXXX XXXX ( XXXX ) XXXX ________________________________________ Carrington Mortgage Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX https : XXXX
11/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38053
Web
XXXX XXXX was forced to make a payment. She was misled, bullied, intimidated and threatened to make a payment of XXXX in XXXX 2022. Carrington Mortgage told XXXX XXXX that she would be put out of her home if she did not make the payment. XXXX XXXX was terrified if she did not make the payment. Each time she spoke with Carrington Mortgage, she told them she was working with XXXX to get help with her mortgage. Carrington mortgage knew XXXX XXXX had to be behind to qualify for assistance through this program. That is why they bullied her into and forced her to make a decision that would greatly benefit Carrington Mortgage and have a financially adverse impact on XXXX XXXX. Carrington Mortgage is and was purposely withholding vitaI contact and communication from XXXX to clear your authorization. They will not acknowledge pertinent information that will benefit the borrower including information from you. Once again, XXXX XXXX was forced to complete the paperwork, she was told she would be put out of her home. Please help. XXXX XXXX would greatly benefit from the XXXX towards her mortgage and the low interest rate she had. Under the loan modification, XXXX XXXX payment has increased almost XXXX and her interest has nearly doubled, and additional XXXX years. XXXX XXXX has been in her home for almost XXXX years. She would have had XXXX more years to pay off her mortgage. She has been paying her mortgage for almost XXXX years. With the new refinance agreement Now she has to pay for an additional XXXX years with double the interest rate, which is a XXXX year total mortgage. They have tricked her into a XXXX year mortgage. This is blatant, textbook predatory lending practices. Carrington Mortgage conducted this process fraudulently. Carrington knew XXXX XXXX was harmed during the Covid 19 pandemic, they also know the new terms are financially detrimental to XXXX XXXX. It appears as if XXXX is working in concert with the mortgage lenders to take XXXX XXXX home. XXXX XXXX is no longer working.
04/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30680
Web Older American
There has been a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Sent to Carrington Mortgage Services , LLC . to address the situation at hand on XXXX. On XX/XX/2023, I called Carrington Mortgage Services , LLC twice. I was told by more than one representative that Carrington refuses to accept my monthly mortgage payment in the amount of {$1100.00} until I pay the amount that Carrington alleges is delinquent. There are two critical points for consideration : 1 ) I vehemently disagree that I owe any amount to Carrington other than the monthly mortgage amount, and 2 ) Carrington has failed to provide a definite amount that is allegedly owed. There have been several discrepancies in the amounts allegedly owed. For example, ever since Carrington initially informed me that I allegedly owed funds in excess of my monthly mortgage amount, the amount allegedly owed has changed. Today, the first Carrington representative that I spoke with indicated that there is {$820.00} in suspension, and we could send a partial payment of {$310.00} which together would equal one payment which meant that only 3 payments were still delinquent. During the second call today, the Carrington representative noted various discrepancies in the amounts allegedly owed, namely, the following : 1st amount- {$5200.00}. 2nd amount- {$4500.00}. 3rd amount- {$3700.00} ( per supervisor- to catch up and excludes the additional fees of {$650.00}. ) If Carrington is unable to provide a reliable and fixed amount owed, then how can I be certain that once I pay the amount allegedly owed that Carrington will not continue to collect additional amounts that they may allege is still unpaid. In summary, due to Carringtons insistence that I pay all delinquent amounts owed, allegedly, it refuses to accept my monthly mortgage payment which will necessarily harm my credit status and be financially costly to me, especially since on yesterday, one of the Carrington representatives mentioned that foreclosure would be evident.
08/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • SC
  • 295XX
Web
XXXX XXXX XXXX XXXX ( DOB XXXX/XXXX/XXXX Last of ss : XXXX ) XXXX XXXX XXXX ( DOB XXXX/XXXX/XXXX Last of ss : XXXX ) Attached paper work in regards ' to the way that XXXX mortgage and also the Carrington mortgage company services LLC has been reporting to the credit agency on both of our credit reports untrue and inaccurate information ( Same joint accounts ). Information they are reporting are that the accounts were foreclosed on and a bankruptcy. They also make it appear that there are XXXX separate mortgages XXXX with a payment of {$360.00} and the other with a payment of {$700.00}. Carrington mortgage when I contacted : ( XXXX XXXX XXXX : XXXXXXXXXXXX ) stated that the foreclosure is correct because it was filed by XXXX before the short sale. Attached is a copy of the title search which shows no foreclosure paper work on this property was ever filed by either mortgage company. Also neither can show any paper work showing any foreclosure was filed and nor that we were ever served any foreclosure action. Also my attorney handling the sale of our home also did not receive any such notice. The only mention of any of this is on our credit reports. I believe this to be a deliberate attempt to help block any future credit offers by any lenders causing a lower credit rating and a higher interest rate offer by anyone. This is also an unfair and should be illegal partice. A lender has already told me that credit can not be issued because of what is reported to the credit reporting agency regardless of what paper work I have on these XXXX accounts. Attached also is the following : 1 : date and approval of short sale letter. 2 : mortgage transfer letter and date. 3 : copy of the title search, 4 : Satisfaction of debt, 5 : mortgage statement showing paid, 6 : this cover letter. for a total of 8 pages. This matter needs to be corrected and stopped by these mortgage companies to which I believe are working hand in hand or are really just the same company just using a LLC as a shield.
04/11/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75077
Web
On XX/XX/XXXX I received a claim check for roof damage on my home. After deductible was removed, the check amount was for {$3900.00}. I found and paid a contractor to perform the roof repair in XX/XX/XXXX. I submitted the insurance information as well as the endorsed check to my mortgage company. I submitted a paid receipt and " no lien '' statement from the contractor, an inspection was done by the mortgage company and they did a verbal with the contractor at that time. Per conversations with the mortgage company, once that process was complete, they could release the money. Now they have decided to require original bids from the contractor which I did not get. The work done is even listed on the document that he sent in and the roof has been inspected. They claim that they can require more from me than what is in writing for a claim under 10 K, because I was late on the mortgage at the time of the loss a year ago. I understand that IF I had not already had the work done. I am also NOT late on the mortgage now. The mortgage company is at 0 % risk. I have completed the work, used a contractor, paid my mortgage and just want to be given what is MINE. I pay my home insurance premium to be insured not so that my mortgage company can cash my check and collect interest on my money. The following is the word for word statement in Carrington Mortgage 's Claim packet of required information for a claim under 10 K. " What do I need to provide if my loan is current and my net claim is equal to or under 10,000? If your loan is current and your net claim is equal to or under 10,000, forward your un-endorsed insurance claim check along with a copy of the insurance estimate for the claim. If the above is confirmed, we will endorse your check and return it to you via regular mail with the USPS unless a prepaid envelope is provided. What documents are required? *Un-endorsed Insurance Claim Check * Insurance Adjuster 's Damage Estimate '' I would greatly appreciate some help in this matter.
11/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 775XX
Web
We are in desperate need of your assistance. Our mortgage company Carrington Mortgage Services , LLC . By and through their third party affiliate company keeps harassing us about insurance we have. To begin, we received a letter from them dated XX/XX/2022. In that letter, they tell us we have no insurance and that they are going to take coverage out on our home for an exorbitant amount of money. We informed them that we have had coverage for the past 2 years, of which we make our payments directly to the insurance company. Also, we were informed by the previous mortgage that a reduction to our monthly payment was in order and that would be done by the new mortgage company Carrington. As they sold the debt to them. After informing them of the facts stated earlier, they still persisted and required another copy of our insurance deck paper. Citing they never received one from the insurance company. We knew that to be false because they forwarded us a postcard acknowledging receipt of the policy. However, we contacted our insurance agent and she promptly forwarded the information. Believing the matter was resolved. Our insurance agent received another phone call on a different day requesting more documentation that the policy was in effect. Carringtons third party agent was requesting personal information, and the agent referred them back to us. After a call to us, they demanded to see the invoice of payment made. They asked the insurance company if we still owed any money or had missed a payment. They wanted to make that payment on our behalf, but they were informed that the policy was paid in full and had been paid in full for the past year as well. In closing, our issue is, the mortgage company is attempting to force us to take their insurance and raise our monthly payments, when they are refusing to lower our payments due to credits back to us for carrying our own policy. We need our credit for lowering our monthly payment down immediately and the harassment to stop.
08/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33180
Web Servicemember
When I first began the process of attempting to resolve my mortgage issues, the Servicer was XXXX XXXX. As instructed, I completed numerous documents in hopes of obtaining a permanent loan modification. During that time, and close to an anticipated resolution, servicing transferred to Carrington Mortgage Services ( Carrington ). It is here that I experienced more Servicer -caused hardship - and as a consequence, lost my property to Foreclosure Sale. As I attempted to comply with Carrington 's new requirements - they proceeded with the Sale process, contrary to CFPB and HAMP guidelines. The original Servicer, XXXX XXXX, was the successful bidder, and now 'washes their hands ' of this matter. As it now stands, I am still trying to resolve the matter with the Servicer ( Carrington ). Carrington stated that XXXX XXXX did not transfer the documents I submitted to them. XXXX XXXX states that all was submitted, but also, that I did not respond to all requests. If the paragraph above was confusing, you can understand a little of how I feel. I want to keep my home, but dont know what else to do. My property is in limbo, as the title has not yet been issued. I am trying my best to keep my home and need your intercession. To try to be as concise as possible, I attempted to resolve my default and foreclosure matters with the Servicer of my home loan. In good faith, I submitted various hardship assistance applications in hopes of resolution. Mid-attempt, the Servicing changed from a National Bank regulated by the OCC ( Office of the Comptroller of Currencies ) and subject several lawsuits and settlements germane to my plight to a collections company type, governed by you the CFPB. I need you ( the CFPB ) to please research the history of these transactions including my timely submission of all requested documents and the non-review of the same. I requested this ( Servicing History ) of both Servicers, and was advised by XXXX XXXX, that the requested information was proprietary.
04/27/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60411
Web
In XXXX or XXXX of XXXX , Carrington sent me an escrow statement, and explained that my homeowner 's exemption had expired, which resulted in my mortgage payment being raised by over {$300.00}. They told me to g o to my county and ap ply for another exemption, send them the receipt from the transaction, and they would adjust my phkebt. I proceeded to go to the XXXX County Courthouse to file for another exemption, which was granted. I sent the paperwork to Carrington, and they told me that they could not accept it, a nd that the county need ed to send it directly to them ( whic h the county doe s not do ). In the meantime, I was faced with paying the high payment due to them not adjusting my payment as they promised. They said that there was nothing that they could do, even after I tried to send them the {$1400.00} check tha t the county se nt to me as a result of the overpayment. They told me that I would just have to pay the higher payment that I could not afford until the next year. I countinuously called, and finally they lowered the payment a little bit by stretching the escrow shortage out over 24 months, and causing more interest accrual for that period. This is all in effort to make more money off of the customer. I then called at least 10 more times, which is documented in their system. I was calling almost every week since last XXXX . They have been marking my veesoy report 30 days pat doe, because they set me up for an impossible mission of paying this high amount even though I tried to send in the escrow shortage, which they refused. My credit is now RUINED because of them, and I want them to own the mistake and fix the Lates on my credit. After months of being told that there was nothing that could be done, I called in last month, only to be told that they could have given me a forebearance in the first place. I am LIVID. Now I have to wait years for my credit to rebound because of a lack of competent customer service agents. Please help me fix this!
03/09/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 380XX
Web Older American
Carrington Morgage Service purchased the loan servicing of my mortgage from XXXX XXXX XXXX without notifying me of the change. I had paid the mortgage each month for years with a ACH withdrawal directly from my checking acct. When they presented the first withdrawal request to my bank in XX/XX/XXXX the bank processed the request and deducted the funds from my account. Three days later the funds were returned because CMS rejected the transfer. Neither the bank or CMS contacted me that there was a problem. In XX/XX/XXXX CMS presented another withdrawal which my bank honored. CMS accepted the funds this time and credited them to my XX/XX/XXXX payment thus showing my account 30 days delinquent. This process was repeared again in XX/XX/XXXX. At this point CMS had still not notified that there was a problem. Then in XX/XX/XXXX they did not submit a withdrawal request to my bank. I discovered the problem when I received my XX/XX/XXXX bank statement and an email from XXXX CMS had reported my mortgage 60 days delinquent. I contacted CMS and was told my bank had not processed their ACH request and that I was over {$4000.00} behind in my mortgage payments. I immediately sent them a check for the entire amount and followed a few days later with another check for approximately {$1700.00}. I then pulled my bank statements and found where my bank had in fact honored their ACH request. I have forwarded copies of those statements to CMS but they have ignored the information and continue to report I am delinquent in my payments to them. They refuse to provide me with any contact information other than a PO Box number. I have now sent them XXXX different letters explaining the situation along with copies of my bank statements clearly showing where they returned a ACH draw to my bank. They have ignored everything I have provided them and not only continue to report to the credit rating agencies I am 60 days delinquent but also to charge me late fees and refuse to accept future ACH payments.
12/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 145XX
Web
Carrington bank and XXXX XXXX are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by carrington bank XX/XX/XXXX to all the credit bureaus i have disputed with XXXX and XXXX this remark should not be on there in addition, XXXX is showing the same remark from XXXX XXXX which that account was sold to carrington in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to carrington which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with carrington and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when XXXX did it my score dropped 79 points with transunion My mortgage now with carrington is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with carrington and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed carrington is refusing and this is inaccurate information. I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of limitations and XXXX should not have added that comment in XXXX of XXXX ... and we did not do this with carrington they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did carrington add this? I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed
01/06/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AR
  • 72712
Web
I received notification that my mortgage was sold by XXXX to Carrington mortgage back in XX/XX/XXXX. During this sell of my mortgage, Carrington Mortgage cancelled my automatic monthly payments without my knowledge or authority. During the duration of my mortgage with XXXX, I had zero late payments and all monthly payments were automatically drafted from my checking account. I was shocked when I received a document showing I was behind on my XXXX payment. At this time, I called Carrington Mortgage and asked why they cancelled my automatic payments and they could not give me a valid answer. At that point I asked how to set this back up on monthly automatic payments for mortgage payment. I filled out the bank form provided and mailed in the check for XXXX and XXXX mortgage payments. By completing and submitting this form, I was advised that the mortgage payments would be drafted automatically from the checking associated on the form. As of today, XX/XX/XXXX, I received a letter from Carrington mortgage stating my account has been sold again. At this time, I called Carrington Mortgage to find out what has happened they explained that I am behind on payments from XX/XX/XXXX to current date of which I had not received no notification of any kind. The lack on notification and communication on the part of Carrington Mortgage has caused the disruption to my mortgage account. No verbal communication has occurred between myself and the mortgage company, beside the phone call made in XX/XX/XXXX to discuss the re-enrolling of the automatic payment and the phone call today XX/XX/XXXX.I attempted to pay the monthly payments for XX/XX/XXXX - XX/XX/XXXX, but they told me that I could not pay anything until I was charged attorney fee 's. In attempt to remedy this and bring my account up to date, I was denied the ability to pay. I also tried to go online and login to Carrington Mortgagee to view past payments and the ability to see what is due, the account has been denied user access.
07/31/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 11746
Web
Carrington Mortgage was in charge of servicing our loan from XXXX XXXX, XXXX XXXX, 2015 and they never paid our property taxes from our escrow! The property taxes were due by XXXX XXXX, 2015 and still have not been paid as of today ( XXXX XXXX, 2015 ). I have been in contact with Carrington mortgage several times with regards to this matter, through e mails ( corresponses with XXXX ) and even phone conversations with a women by the name of XXXX in there Tax disbursement department and have gotten nowhere. They have since sold my loan to a new mortgage servicer effective XXXX XXXX, 2015 we are now with XXXX XXXX. I have spoken to several people at XXXX XXXX and as of today XXXX XXXX has never sent me a welcome letter or a loan number or even a statement. I was under the impression that they had 15 days to get that to me which they have failed to do and when I contact them they said that they still have not logged my loan file into the computer so they dont see anything. I women by the name of XXXX from XXXX funding is telling me this morning that they sent out a welcome letter on friday, XXXX XXXX which I do not believe to be true because I gave ive been checking the mail every day and still nothing and today is now the XXXX. I then aske Her if she could fax me a copy of the welcome letter ... she was not able to produce it to me because she said my loan wasnt entered into there system yet! I too have sent several letters by fax, had countless telephone conversations with several of there staff, with ragards to my property taxes not being paid back in XXXX of 2015. And i am being told that once i am logged into there system that they can try to look into the property taxes! Im frustrated beyond belief and I feel like Iam getting the run around! I need answers! i have even been in contact with the XXXX and they have not received any response from Carrington Mortgage! There is so much going on with these XXXX mortgage companies that needs to be looked into! Please help!
04/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NE
  • 68127
Web
My mortgage was recently sold from XXXX XXXX to Carrington Mortgage Services , LLC . I logged into their site only to find that they charge " convenience '' fees if payments are made online or over the phone. I find this practice to be excess. Why should I have to pay a fee to make my mortgage payment online or over the phone? The only ways to avoid their convenience fees are to set up on autopay or mail a check. I have researched Carrington Mortgage Services , LLC online and many consumers give them a low rating due to fees but rating them low won't get rid of the fees nor control who services your mortgage. Many of those ratings also state that they have mailed checks the beginning of each month and the payments are not posted until after the grace period is up and thus incurring late fees. So it seems that Carrington is charging excessively for nearly any payment option. This seems unfair, unethical and unnecessary. Also, on my VERY first call with Carrington Mortgage Services , LLC I was told that my mortgage is 5 months past due and it is in fact current. I received a statement from XXXX XXXX earlier this week showing my mortgage next due for XX/XX/2021. I asked why it wasn't reflecting any of my payments and went through the dates the payments had cleared my checking account only to have them tell me that it takes time to load everything when a mortgage is sold. According to the letters I have received, my mortgage was sold to Carrington Mortgage Services , LLC on XX/XX/2021 and servicing was to begin XX/XX/2021, but they have NO record of any payments made over the 5 months. This is bit alarming and concerning as they are showing my account as 120 days past due when in fact it isn't. I also believe there are guidelines, rules & laws that payments received must be posted in a timely manner ; it should reflect the date it was received as the payment date.I can not risk losing my home due to their lack of accounting and crediting my payments in a timely manner.
12/31/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 604XX
Web
I applied for a loan modification through Carrington Mortgage. I was up to date with my payments at the time I applied. XX/XX/XXXX-XX/XX/2016 while my loan was being reviewed for this modification, Carrington did not post my payments to my account. This concerned me and I called several times to make sure it would not be reported to my credit that I was not making my payments. I was assured this would not happen and that Carrington did not report to the credit bureaus during this time. Of course that wasnt true and it was reported to my credit bureaus I was 30 days behind and my credit score dropped XXXX points. Although I had attempted to be proactive and called several times this still occurred and I was required to write a letter and fax it to Carrington and wait 3-4 weeks for it to be 'researched '. Many phone calls, faxes and weeks later it was removed from my report and I was approved for a 'trial period ' modification. To show I would make the payments although I had never missed payment anyway. This trial period required that I make my first payment XX/XX/XXXX and no payment for XX/XX/XXXX because everything had been calculated i was told. Again I was concerned about what would be reported to my credit I was told Carrington doesnt report during this time but a special code is placed on the credit bureau that you are in a modification agreement. Of course that was not true. Because of my past experiences with Carrington I made my first trial period payment XX/XX/XXXX anyway, however Carrington is now reporting that I am 90 days behind and my first delinquency started XX/XX/XXXX. I made my payment XX/XX/XXXX. My credit score has dropped XXXX points. My credit cards are cancelling my credit lines although I have never missed a payment to them either. I was passed over for a promotion at work because of this. I want Carrington to correct this issue and I feel they should have to make some sort of concession to me considering the effect it has had on my life.
12/22/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 313XX
Web Servicemember
On the date of XX/XX/XXXX received a certified letter stating that I have a Notice of Intent to Foreclose. It stated this was for non Payment of Portage for XXXX and XX/XX/XXXX.I immediately contacted Their loan department and did make a payment. I informed the customer service representative that i was not aware of any non payments. I have been on automatic withdrawal ( ACH ) since I purchased this property, over 13 years. I have never missed a payment. The automatic withdrawal discontinued without my knowledge and i would like to know why. I have notified my bank and they are unaware of any stop payments. They also stated that it would have had to come from the department who is in charge of all ACH withdrawals. I asked to have this situation to be rectified immediately so it will not have any negative impact on my credit. I personally called the Rep at the Mortgage company, and asked what happened. I was then informed by the rep, " don't you check your bank account? '' I replied, " I don't need too, i don't live paycheck to paycheck, i know what is in my account. '' I was also informed in a separate letter that I will be having approximately XXXX dollars a year added to my mortgage payment for " mandatory flood insurance '' if i don't get it within 45 days from the date of the letter from another company. I do not believe it is lawful to mandate " flood insurance '' especially since i never signed up for this upon the original purchase contract of my home. To make it worse, the company sent me an offer via email to purchase my home cash for {$38000.00}. It is my belief, that the mortgage company initiated the reversal of my electronic payment, sat on it, for two months. All in order for me to default on my home and them to offer me {$38000.00} for a buy out. This in unethical, unlawful, and this has occurred with other companies such as XXXX XXXX XXXX, and they were held liable financially. The company also lowered my credit rating due to their negligence.
02/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44095
Web Servicemember
My lender is breaching terms and reporting lates when I made all the required payments. Here is a brief summary below ... On XX/XX/XXXX I received an alert from my credit report saying my score significantly dropped from a missed mortgage payment. In XXXX of XXXX I made my mortgage payment and shortly after Covid-19 hit the country. Carrington Mortgage offered a forbearance plan for 6 months. I went ahead and accepted the forbearance plan for 6 months. The forbearance started in XXXX of XXXX. In early XXXX I received a letter saying that my forbearance was approaching its 6 month end and I needed to call to find out what options I had. When I spoke with a customer service agent at Carrington in early XXXX of XXXX I was told that I had some options of either a payment plan, mortgage assistance or paying in full. I was told anything after the XXXX of XXXX I would acquire late payments and fees. On XX/XX/XXXX I called and spoke to a customer service agent and we made arrangements of paying everything in full. The payment I made was {$7700.00} and that was to cover from XXXX to XXXX payments. I was told that my mortgage loan was in good standing and my online mortgage access has been restored to make future online payments. From that day I have made XXXX, XXXX & XXXX payments. When I called today I was told that my XX/XX/XXXX was missed and it was 180 days late. I do not understand that when I made a payment in XXXX with a lump sum to get back into good standing how this even occurs. This puts my family in a very bad spot with me being the provider and taking such a hard impact on my credit score. I refinanced my past mortgage loan with Carrington and I have never missed a payment. I needed assistance with the forbearance because of Covid-19 so I used those 6 months to get everything back on track. When my 6 months were up I made good on my payments. All I am asking is that this derogatory mark get removed from my credit report and my score hopefully comes back.
11/26/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MI
  • 496XX
Web Servicemember
My house was put into forbearance with my original mortgage company, XXXX XXXX, in XXXX. My loan was then purchased by Carrington mortgage before my loan modification packet had been put into place although it had already been approved by XXXX XXXX. I was forced to move out of my home and start renting it out as I could not afford the payments after getting out of the XXXX XXXX which is why I modified the loan in the first place. For the past 18 months I have tried time and time again to submit a loan modification packet with Carrington mortgage, it has been at least six times of submitting a packet and each time they said it was missing something or part of it was filled out that didnt need to be. I have attempted to resume making payments on the house but they would not allow me to resume payments until the loan modification went through. I am now XXXX in debt on payments and they are foreclosing on XX/XX/XXXX. I have asked to make partial payments on the debt but they will not let me make any payment unless it is the full amount. I am now able to make this full payment, but with the amount of deception and unhelpful attempts to fix this situation, I have zero trust in this company Im really afraid to even attempt to pay off my house before it foreclosures as they may come up with another excuse as to why it wont work and I could lose all that money as well as my house. Please help, this company seems to be a real mortgage company yet after reading reviews it seems like all they are doing is scamming people including myself. I had no say in if I wanted them as my mortgage company, I did my VA loan through a good company that I agreed to but I didnt agree to the horrible company of Carrington mortgage. My credit has tanked due to the missed payments that Ive been desperately trying to make Carrington allow me to pay. They are so unhelpful and at this point it seems like they have just been trying to have my house foreclosured rather than help me pay it off.
01/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 38863
Web Servicemember
XX/XX/XXXX, our Loan servicing was transferred from XXXX to Carrington Mortgage Services , LLC . We never received any communications or information from Carrington. The only information we received was a notice of servicing transfer from XXXX. XX/XX/XXXX, we finally get a letter asking for updated contact information. I mailed updated contact information back to Carrington. XX/XX/XXXX, an unknown person showed up at our residence with a piece of paper with a phone number that stated contact as soon as possible. My husband called the number XXXX on XX/XX/XXXX. It was Carrington and the conversation was about what were our intention to do with the property. He asked why have n't we received a monthly statement and was told they do n't automatically send them, we have to request one. When I mailed XX/XX/XXXX payment, I requested a statement and have yet to receive one. XX/XX/XXXX, we received a blue envelope from Carrington with our check for XX/XX/XXXX 's payment and a letter demanding a quick collect or XXXX XXXX payment. XX/XX/XXXX, my husband called Carrington about why we received the letter and why they returned check for XX/XX/XXXX. He informed them that all payments were made on time and up to date. Carrington had cashed all our checks. They stated their records showed no payments were made. I pulled cleared checks from our and faxed to them. Carrington stated they will look into it and get back with us but process could take 30 days. XX/XX/XXXX, we received a letter of intent to foreclose and another one XX/XX/XXXX. This has been very frustrating to have to deal with a Company that is supposed to have our best interest first. They have been cashing payments and not professionally handling them. Then to threaten foreclosure when they are mishandling funds. We have to jump through hoops to prove to them that we 've paid them. It 's sad. I had a credit card cancelled due to incorrect information being reported to the credit bureau due to their mistakes.
01/19/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94611
Web
In the middle of XXXX I was in the process of fixing and paying Carrington Mortgage Services for a XXXX Forbearance plan. Rather than choose to refinance my mortgage ( at unfavorable terms ), I decided to make lump sum payments to correct any missed payment or anything owed due to the forbearance. I applied an extra lump sum payment in the amount of {$3400.00} ( XXXX times my mortgage payment ) on XX/XX/XXXX. This was automatically sent by my bank in error as I had not turned off the auto bill payer. I immediately called Carrington to attempt to get the payment reversed. They informed that this was not possible and that they would just pay my mortgage for XXXX, XXXX, XXXX with that lump sum. To me, that left a difference of {$680.00} that I would need to pay in XXXX to cover my mortgage payment. I structured that payment with my bank and had it paid automatically on XX/XX/XXXX. XXXX Mortgage decided to disperse these funds in an entirely different manner, paying a principal curtailment payment once on XXXX and then again on XX/XX/XXXX. These actions led to a missed payment in XX/XX/XXXX because they had used my funds in a different manner than discussed. I specifically asked the Carrington rep if any additional steps needed to be taken on my end to ensure the {$3400.00} would be distributed properly - I was told that I did not need to take any action. On XX/XX/XXXX I received a late notice from Carrington Mortgage that my XXXX payment had not been made despite my bank sending the finds on XX/XX/XXXX. Carrington applied that XX/XX/XXXX payment to XXXX, in error, and then also applied a {$510.00} curtailment payment. I spent XXXX hours on the phone on XX/XX/XXXX with some helpful reps that tried to make sense of these mistakes. In the end, I had to pay {$450.00} to bring my mortgage current and Carrington submitted a request that the curtailments be applied to XX/XX/XXXX payment in the amount of {$1000.00} thus leaving me with the {$450.00} payment.
04/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60490
Web
XXXX XXXX , whom we do not and never have held a mortgage with, erroneously paid our XXXX XXXX County property taxes and is seeking reimbursement. I confirmed XXXX XXXX made the payments with the XXXX County Treasurer 's Office. On XXXX / XXXX / XXXX , a XXXX XXXX Claims Processing Representative explained our tax ID # is similar to one of XXXX XXXX 's customers ( differs by a digit ), thus, XXXX XXXX paid our property taxes in error. Based on internet research, XXXX XXXX has made many errors in regards to property tax payments. Initially, our mortgag e ( a FHA loan ) was with XXXX XXXX XXXX . The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically, XXXX XXXX XXXX made our property taxes to XXXX County without issue. However, when XXXX XXXX XXXX made our XXXX property taxes, the payments were returned as they had been paid by XXXX XXXX . XXXX XXXX XXXX failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the form of checks. When we received the refunds checks, we contacted XXXX XXXX XXXX for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned. XXXX XXXX XXXX sold our mortgage to Carrington Mortgage Services, LLC in XXXX of XXXX . Our mortgage went to Carrington Mortgage Services, LLC 's books with an escrow balance. Carrington Mortgage Services, LLC issued us an escrow refund check, however, no explanation have been obtained from them. On multiple occasions, we 've contacted XXXX XXXX XXXX and Carrington Mortgage Services, LLC to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.
11/21/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 786XX
Web
URGENTForeclosure sale set for XX/XX/XXXXRe : Carrington MortgageI have been trying to work with and submitting requested documents for a loan modification since XX/XX/XXXX. I have lost count but think it has now been nine ( 9 ) times so far. They have been unwilling to follow through on the promised process. Every time, I get a letter stating that I have not included all requested documents ( which I have. ) When I call to find out what they are missing, even the clerk answering says " yes I see that document '' and everything is in order and she will make a note for the processor so that it can go to underwriting. They have all my contact information but I never get a call or return call from the process person or underwriting. Months went by when I called and only got a recording stating that they were overloaded with calls and call back at a later time. I then and always get a letter stating that since I did not meet required documentation the file is closed. I call again, they see all documents but say there is nothing they can do once it is closed and I will have to resubmit. And the entire debacle starts again. When I asked where do I file a complaint, I was cut off. I have since enlisted the help of a Housing Counseling Agency and they are experiencing the same issues. Exuberant amount of time on hold only to be told the contact person is not in and also requesting documents already sent ( this can be verified in the XXXX Portal. ) The Agency has been outright refused by the servicer to speak on the loan despite Carrington having an authorization on file. Carrington seems to be purposefully postponing the review of the mortgage loan application when a pending sale date of XX/XX/XXXX is coming close. And with the XXXX holiday that leaves only 4 business days to remedy this situation. I therefore, urgently need your help and intervention immediately. We desperately want to keep our home and are diligently doing our part to try and make that happen.
11/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 070XX
Web Older American, Servicemember
My mortgage servicer, Carrington Mortgage Services , LLC, failed to capture the XX/XX/XXXX {$250.00} property tax deduction from the Township of XXXX in the XX/XX/XXXX escrow analysis, resulting in an incorrect shortage and an increase in the monthly mortgage beginning with the XX/XX/XXXX statement with payment due on XX/XX/XXXX going forward. Additionally, Carrington Mortgage Services , LLC after updating their system to reflect the correct names ( XXXX XXXX XXXX and XXXX XXXX XXXX ) on the mortgage of record based on the XX/XX/XXXX assumption, modification and partial claim indicated that any excess escrow disbursement check would be issued to XXXX XXXX XXXX and XXXX XXXX XXXX. Any excess escrow disbursement check from XXXX should be issued solely to XXXX XXXX XXXX, since I as the principal borrower alone and homeowner am eligible and entitled to participate in an to receive the New Jersey Tax Reimbursement Program, the New Jersey Homestead Rebate Program, the Veterans property tax deduction, the Disability property tax deduction and/or the Senior property tax deduction from the Township of XXXX. Additionally, my name alone appears on the Deed. Thirdly, XXXX in updating their system to drop the names of the original signatories ( XXXX XXXX XXXX and XXXX XXXX XXXX, my deceased parents, to reflect the names that appear on the mortgage or record ( XXXX XXXX XXXX and XXXX XXXX XXXX ) based on the XX/XX/XXXX assumption, partial claim and modification, the servicer changed the correct property address ( XXXX XXXX XXXX, XXXX, NJ XXXX to the mailing address ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). Despite having contacted Carrington Mortgage Services , LLC on numerous occasions, including submitting a written request to the Carrington Research Department, these issues to date have not been addressed and resolved. Therefore, I am submitting this formal complaint against Carrington Mortgage Services to the CFPB. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX
06/29/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 01887
Web
Due to the death of my father the borrower from XXXX he was unable to meet his obligations to the mortgage company. We have tried relentlessly to resolve any issues with the lender. The extreme amount of stress has been overwhelming for myself and my family. Probate took a very prolonged period of time and when finally completed the lender set to auction our home without letting us explore any resolutions to retain our home. When we were given the opportunity due to the DOB delaying the sale we got everything together and began working with a HUD counselor. From XXXX XXXX it has been a complete nightmare. I have sent in all required documentation that has been requested on multiple dates through email, fax and with a HUD counselor. I am continually told they Dont have all documentation requested, I have evidence to the fact that they in fact do. A complete modification package was sent on XX/XX/2023 they have not even reviewed it. Carrington did receive it and it was confirmed. They plan to Auction our home on XXXX XXXX On every day this week starting Monday XX/XX/2023 I was told by representatives that they will escalate this to a supervisor and call back, send documents again and again Fax-email but then they tell me the case is closed. No one has an answer or updates just that there sorry it will have to be escalated to a supervisor. There are 5 of us in the home and we have been trying to resolve this but are getting no where and Carrington Mortgage refuses to work with us, we just keep getting fed a line. All we want is to resolve this and move forward. We would like very much to remain in our home and work with the lender but it seems hopeless as the right and left hands do not seem to be working with this company. Today I was told send documents again? If they are not willing to postpone the Auction and give us a fair review for modification, its confusing to have a representative say send them again. She will escalate to a supervisor.
11/30/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AL
  • 366XX
Web
To the office of the Cmptroller of Currency ( OCC ) I was recommended by the U.S Department of Justice Consumer Protection Branch Civil Division of XXXX. To file a complaint with ou concerning XXXX XXXX XXXX and Carringtion Mortgage. I have proof and suspicion of fraud with these companies and I feel as if I was discriminated against by them. My home have been in foreclosure for five years since XXXX to XXXX XXXX, XXXX. We were recommended by XXXX XXXX XXXX to apply for a loanmodification to help us save our home. We applied for modifications overthree years. All of a sudden we receive a letter and a phone call from Carrington Mortage saying they want us to start mailing our mortage payments to them. We responded to Carringtonsaying We never came to an agreement on a mortage payment or modification. We were lead to believe that they wre the new owners of the property but they had no information on the property so we were lead to believe they were trying to help us to save our home by asking us our information, and we began to give them our personal information, only to find out in the end they were using our information to build their case to get the home from us. We asked them for a copy of the original deeds, and they sent us drawn up papers with our signatures that we never signed. They copied our signitures from other papers. The house was up for sale because of foreclosure Carrington then purchased the home themselves. Why would you buy a home that you already own?. We continued to live in the home, because the home was stilll in our name. Carrington then told the tax office to send our tax papers to them. Still unable to prove the home is theirs. I have proof of fraudulent use of flase documentations used against me to get my home, and contradicting every thing they 've said in the end the way thta they got my home wasw throught lying to the court saying that I did not pay taxes for XXXX. I filed for tax exemption and I was tax exempt in XXXX.
01/10/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 170XX
Web
I am working on a short sale for clients. Carrington Mortgage is the lender we are working with. We currently have an offer and for the last 3 months Carrington is requesting documents that have been sent on numerous occasions. CMS shut file down back on XXXX/XXXX/XXXX because they claimed they did not have complete package - all documents were submitted on XXXX/XXXX/XXXX and I verified receipt of docs on XXXX/XXXX/XXXX. Since I was advised on XXXX/XXXX/XXXX that the file was shut down I resubmitted the ENTIRE package again. On XXXX/XXXX/XXXX CMS still could not seem to get it together and I had to resubmit the entire package AGAIN. The current offer we have was received and sent over on XXXX/XXXX/XXXX - I verified receipt of everything, however CMS still claimed they did n't have XXXX, expense sheet and XXXX - they were resent AGAIN on XXXX/XXXX/XXXX - on XXXX/XXXX/XXXX I was told the file was in underwriting and to call back in a week for an update. On XXXX/XXXX/XXXX I called - still under review, I was told they should have update later that week or the following week. On XXXX/XXXX/XXXX I was asked for taxes, household expenses and the XXXX - I provided dates these documents were sent and sent them AGAIN, this time they also asked for lease agreements from the borrowers. On XXXX/XXXX/XXXX I received leases from both borrowers and emailed them over to CMS. On XXXX/XXXX/XXXX, when I returned to the office I called for an update - CMS is asking for taxes, leases and expense sheets - I advised they were sent numerous times to BOTH email addresses AND faxed, provided dates and resent to email and fax AGAIN. I called in again today, XXXX/XXXX/XXXX for an update and they 're still asking me for the same docs. I do n't know how many times I have to send them the same information before they finally accept the documents but I 'm tired of the games. We may possibly lose a buyer due to their negligence. This is unacceptable and something needs to be done.
02/08/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MS
  • 395XX
Web
I am with Carrington Mortgage company. I went into a forbearance during theXX/XX/XXXXEven though I lost some income I was still making payments as much as possible during the forebearnce so I wouldnt lose my home sue to loss income. At the end of the forbearance I applied for mortgage assistance. Over time I was approved around XX/XX/XXXXI started back making payments as usual. By XXXX XXXX called me stating I owe a lump sum of about XXXX or so dollars. I stated to the representative i was approved and was making regular payments. I also asked why am I getting a call telling me I owe an amount when I was already approved. He then contacts someone for me and he states they said my application took too long and it was thrown out. So I ended up doing the application all over again. The first time I did the application I consistently called for updates and one of the representative told me they didnt recieve my information. But I spoke to a representative before them that told me they did receive the information. Each time I call I am told something different. I have remained on the line and emailed or forwarded the same information I had already sent. Once I sent it I remained on the line to make sure they received it. The representative would tell me they received it. I'll call again the next day or few days later and again a new representative tells me it wasnt received. I am going through this exact same thing with this second application process. I have emails and proof of information I sent. I documented calls dates and times and names of whom I spoken to. For the past few weeks I been calling. Again I got different information from a new representative. My foreclosure is suppose to be on hold due to them " receiving " all information and was told it takes 30 days. But after speaking to a representative a couple days ago seem like they are back to the same things and I'm trying to save my family home I been living at for 20 years.
06/07/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30087
Web
After 11 years with XXXX, they transferred my loan to Carrington Mortgage Services on XX/XX/XXXX. XXXX services my loan from XXXX. In those 11 years, I was late only 2 times in XXXX. I received a letter from XXXX dated XX/XX/XXXX informing me that they were canceling the MPI requirement on my loan and beginning XX/XX/XXXX my monthly mortgage payment would {$1000.00}. They also performed the last escrow analysis on XX/XX/XXXX, right before the transfer. In that analysis ; my monthly payment went from {$1000.00} to {$1000.00} - a {$53.00} per month savings for me. Lastly, during those 11 years, XXXX performed an escrow on my loan ONE time per year. Now that Carrington is servicing my loan, I am so afraid of losing my home. They performed 3 " Annual '' escrow analyses XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) ; my payment went from {$1000.00} to {$1100.00} in one year - {$100.00} more! XX/XX/XXXX - it went from {$1000.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} This is more than I was paying prior to the MPI being removed. In addition, Carrington is NOT showing the XX/XX/XXXX Escrow Analysis in my document history. And on XX/XX/XXXX I sent them an email asking why they performed so many escrow analyses when they had only been the servicer of my loan for 1 year ; they DID NOT respond. I bought my home in XXXX. Initially, I had an adjustable-rate for a couple of years, but when XXXX XXXX became the servicer in XXXX I changed to a 30-year fixed-rate, my home would be paid off in XXXX. Carrington has my maturity date listed as XXXX/XXXX/XXXX - 8 additional years. Currently, I am in XXXX forbearance, but want to refinance my home when it ends. Carrington is the 4th servicer ( XXXX XXXX Mortgage was the first ) and my loan payment has NEVER adjusted 3 times in one year. At this rate, I am afaid that I will not be able to afford my home ; I do NOT want to lose my home.
04/26/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KY
  • 40403
Web
I sent a written inquiry to the mortgage company on XX/XX/2018 asking that they re-analyze my escrow account. Due to switching home owners insurance ( to a more affordable policy ), I had sent the refund check I received from the previous insurance company to the mortgage company and it was clearly marked " Attention Escrow '' which was what I was advised by the mortgage company to do. When the mortgage company received the check, they applied part of the funds to my monthly mortgage payment and the remainder went toward loan principle ( instead of going towards the escrow account as intended and requested ). Because the funds were not applied as requested, my escrow account had a deficit during the year end escrow-analysis. I learned of this error when I received a letter from the mortgage company informing me that my monthly payments were going up instead of down ( as expected due to cheaper insurance ), this was an approximate {$80.00} difference per monthly payment. The mortgage company responded approximately monthly saying, in essence, " we are working on it ''. Now, XX/XX/2018 ( 113 days after the initial request ), I call the mortgage company only to learn that the letter I received on XX/XX/XXXX that states that the mortgage company is in the process of reversing and re-applying this transaction and will send me my new monthly payment amount, was not followed up on by the company. In other words, after the mortgage company took 3 months to research the issue and decided they were going fix it as of the date of the XX/XX/XXXX letter, no one did anything. When I spoke with the customer service representative today, XX/XX/XXXX, he said that " it appears no one actually requested the re-analysis ... I'll request that now for you.. '' Meanwhile I have been paying {$80.00} more per month because this mortgage company is requiring for reasons that are not my fault, but a result of their terrible clerical and administrative services.
03/14/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NJ
  • 07109
Web
I responded to the XXXX XXXX XXXX to make a XX/XX/XXXX mortgage payment, where I was informed by the teller that my mortgage account was closed, unbeknownst to me. I received a letter from XXXX XXXX XXXX indicating that they sold my loan to XXXX XXXX XXXX. During that week, I attempted numerous times to contact Carrington Mortgage ( No answered-awful ) so that I could make my mortgage for XX/XX/XXXX, however, the phone continued to ring with no answer the phone. This went on for about 4 days, where I was able to speak with someone. The teller informed me that their were not a debt collector. I asked her what happen and why was my mortgage transferred to them, when I was never late with my mortgage payments. The teller informed me that XXXX XXXX XXXX was not following the proper procedures with the loan. She informed me not to worry that I would receive a letter from XXXX XXXX XXXX welcoming me to their company with a statement to pay my mortgage for the month of XX/XX/XXXX. In any event, she also informed me that if I wish to pay my mortgage I could it on-line. After several attempts to make my XX/XX/XXXX mortgage payment, I was finally successful in making my mortgage payment. However, XXXX XXXX XXXX continues to call me requesting my mortgage payment for XX/XX/XXXX. I informed them that I was sending the mortgage payment via mail ( which I prefer ) and asked them why were they calling me. They called me again with the same request, I informed that I sent in my mortgage payment. I explained that maybe due to the XXXX XXXX we just had. Moreover, they continue to harass me with phone calls about paying my mortgage. When their is a 16 day grace period, in which, I have to pay my mortgage. Since the Loan Modification with XXXX XXXX XXXX in XX/XX/XXXX, I haven't been late or failed to pay my mortgage payment. I don't understand why XXXX XXXX XXXX continues to harass me repeatedly for no reason. I am not late with my mortgage payment.
04/08/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 70706
Web
Carrington Mortgage has been nothing but a headache since my loan was transferred to them. I always make my payments within a 30 day time frame of when it 's due and some payments will post to my account the same day and other payments will post 11 days after the payment was made. This has caused a huge conflict with the way they are reporting the account on my credit report. All XXXX bureaus are showing totally different payment history. Each time I make a payment I draw a house on my calendar so that I can keep up with when the payments were made etc. I get confirmation numbers but the confirmation numbers never match what they have and they argue and refuse to fix the problem. The following months they have marked me late on my credit file and that is not the case. XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 and never was I 30 days late for any of these payments. I will attach my calendar to show you the dates the payments were made compared to when they posted them as well as a chart I typed up showing the differences in how long it 's taking them to post my payments. This is rediculus and I 've had enough of it. I do n't understand how these mortgage companies continue to get sued but continue to XXXX the laws and get away with it. The mortgage payment is due on the XXXX of each month. XXXX was paid on the XXXX and only took them 1 day to post the payment, XXXX was paid on the XXXX which was a monday but it took them 3 days to post to my account, XXXX was paid on the XXXX and they posted it to my account the same day, XXXX was paid on the XXXX and it took them 11 days to post to my account, XXXX was paid on the XXXX and it took them 3 days to post the payment to my account, XXXX was paid on the XXXX and it took them 6 days to post the payment to my account and XXXX was paid on the XXXX and it took them 11 days to post to my account. Never have I paid 30 days late and there is a huge window as to when they wan to post payments.
06/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 323XX
Web Older American
I recently did a modification on my mortgage ( # XXXX ) with Carrington Mortgage Services, to refinance an arrearage due to Covid-19. I was out of town when they sent the document package ( without notification, I would add ), so when I received it, there were only a few days until the first payment was due. I called Carrington and asked if they wanted me to execute these documents, or if they wanted to send new documents. Carrington said they preferred to use the documents I already had, so I executed them later that afternoon, after Carrington had already closed. These documents included a note to pay off the arrearage I had accumulated during the Covid-19 problems. As I went through the document package, I realized they hadn't sent a first payment letter with the documents, as required, so I didn't know what the full payment was. But with the first payment being only a few days away, I decided to send the principal and interest payment amount ( {$530.00} ), to show good faith ( I knew that amount from the note ) and intended to either find out the amount of the escrows already applied to the loan or request to have some set up on my loan at a later date. However, when Carrington received my {$530.00}, they applied it TO THE ARREARAGE THAT THEY ALREADY HAD A NOTE IN HAND TO PAY IT OFF. I have been trying for over a month to get this straightened out, but to no avail. I have spent up to an hour on the phone each time, at least once a week, and each time they promised to fix the misapplied funds error, which they admit was done incorrectly, since it would have the effect of paying that part of the arrearage twice- but when I call back nothing is ever done. ( By the way, I have sent the remainder of that payment as well, {$410.00}, which Carrington is holding in suspense. I have also made a second full payment. ) I need for the monies to be properly applied and I feel some kind of sanction is in order for Carrington due to their inattention.
10/11/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 28314
Web
I am a victim of misleading and predatory incompetence by the servicer of my mortgage loan, Carrington Mortgage Servicing. I have NEVER missed a payment over the last 10 years on my property. For some reason in XXXX when I mailed in my payment, the check was not cashed. I mailed in XXXX and the same thing happened. I was proactive and called to find out what was the matter. No one knew for sure, but they guessed it was because the address changed and I mailed it to the old address? I STILL DO N'T KNOW FOR SURE. I continued to follow up to solve this problem with Carrington and I was told that I need to send in a cashier 's check for {$3500.00} in order to reinstate the loan and put me back in good standing. I did this, but after Carrington received this THEY SENT IT BACK???? And now they are putting me in foreclosure??? What kind of scam is this company running? I have always made my payments, I have the money to make the payments, Carrington tells me how much I owe them, I send it in, then they send it back and file foreclosure paperwork against me. This is definitely NOT OKAY. I have tried repeatedly to get this situation resolved, I have tried to speak to a supervisor but I have not made any progress. I am stuck in a bureaucratic hamster wheel ; no matter how many times I call to fix this I can never get a straight answer or talk to anyone who can actually fix the problem. I need this problem resolved. I bought this home in 2006 for my children to live in ; it is currently occupied by my grandson and his son. I would like to add that I am a veteran of the United States XXXX. I served XXXX years, I worked for a government XXXX. I do volunteer work to help out with our XXXX and the XXXX XXXX. I have been an upstanding citizen and always paid my bills on time. I simply ca n't believe that due to the incompetence and misleading and predatory actions of the agents at Carrington Mortgage Services I have a house that is in foreclosure.
08/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web Servicemember
I am writing this letter in regards to a two issues I have had with Carrington mortgage but primarily due to a recent 30-day late payment. Initially in XX/XX/XXXX I came home from XXXX for vacation. I received several letters saying I was 90 days late on a mortgage payment. Carrington did not process my correct account and routing number to take the automated payment. I called and complained and I was told by the customer rep. that the problem is resolved. Carrington not getting my proper account number then saying I was late was unacceptable. Thankfully this issue was fixed. Then in XX/XX/XXXX I set up an the same auto payment for the same mortgage, with the same system. I double check the account number and the rounting, and their system also have a check system too. When I logged in to set up the auto pay for XX/XX/XXXX, it would not allow me to set up payment for XX/XX/XXXX. I have no idea why. The verbiage was a bit confusing and I thought it was saying that it would take out both payments in XX/XX/XXXX since it would not allow me to set up payment for XX/XX/XXXX. Apparently this was not the case. I just received a 30-day late payment for XX/XX/XXXX. I never got a single phone call regarding the late payment or any paperwork until after the payment was 30 days late. This is a problem I had an XXXX credit score now I have a XXXX. I also had the funds in the account so this was not the issue either. This is a serious problem ; this should be removed from my credit because I clearly have great credit and I always pay my bills. This issue is simply due to a misunderstanding, a auto payment system error and unclear instruction for the payment of XX/XX/XXXX. I am in the process of getting a business loan approved and a home equity line of credit as well. I need this removed from my credit and I need a letter from Carrington saying they authorize its removal so that I can proceed with my loans. XXXX XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX
01/11/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92584
Web Servicemember
XXXX XXXX took over my mortgage in XX/XX/XXXX. From that time I have made multiple payments in a month based off of my paycheck deposits. Each month XXXX has held these partial payments in a suspense account until the full mortgage payment has been accumulated. They then have applied it to the next months mortgage payment as intended. XXXX did this up until XX/XX/XXXX when they decided to arbitrairly to take the first payment I made of XXXX and apply it to principal only. This has caused me to now be a payment short in which they are stating they will charge me a late fee. On XX/XX/XXXX I called XXXX Customer service and was rudely told that " XXXX does not accept partial payments and that I should make a full payment! '' The customer service representiative did say " I will request that the funds that where incorrectly applied to principal be reallocated to your normal payment but this would take XXXX XXXX and in the mean time I should make a full payment at the end of the month and that any negative credit bureau reporting or late fees would be reversed '' But according to their mortgage statement what I have been doing is acceptable and explained on the XXXX Mortgage statement as copied here : " Partial Payment Policy Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' I have downloaded my payment history from XX/XX/XXXX to present from the XXXX XXXX website documenting this process of me making a partial payment and XXXX keeping it in a " Suspense Account '' until the upcoming first of the next month as proof of this being something XXXX has been doing. Now XXXX has taken XXXX of these payments and applied it directly to principal which was not requested by me. I have attached a pdf printout of my payment history directly from XXXX 's website as doucmented proof.
12/06/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 21214
Web
XXXX sold my mortgage to Carrington Mortgage Services, LLC in XX/XX/XXXX, and they have refused to take mortgage payments, has not provided the original wet ink signed unaltered documents showing proof to collect, refused a short sale, refused assumption packet, had my homeowner 's insurance canceled, submitted altered documents to XXXX and XXXX courts requesting to foreclose on my property three times with most recent letter dated XX/XX/XXXX with a move out date of XX/XX/XXXX. CMS provided altered docs stating I defaulting on loan in XX/XX/XXXX and did not reinstate the loan when I have documents showing that XXXX approved a loan modification and said for me not to may payments from XX/XX/XXXX - XX/XX/XXXX. CMS submitted docs to County 's recording office stating I appeared in CA and other locations that I did not appear. Did not honor the Administrative process to show proof of " said '' debt, and the mortgage loan has been securitized and CMS can not produce a clear title or show true holders of the promissory note or title. CMS has tried to force me to move out of the property and refuse to work with me. CMS has rude customer service reps, do not apply payments in a timely manner, called to cancel my homeowner 's insurance, increases customers mortgage payments without valid explanations, changes the locks on the residents homes, make attempts to break into properties, file fraudulent docs with County 's Clerks office, website will not accept online payments - forcing customers to pay additional money for alternative payment methods. CMS is a very dishonest company who do not seek to work with its mortgagee but rather are quick to use deceptive practices and altered documents to enforce foreclosing proceedings. CMS will lie, created fraudulent documents, send over workers to illegally enter your property, and submit fraudulent documents to courts and County 's Clerks office to conceal their illegal attempts to steal your home.
06/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 19125
Web
Good Morning, Here is the story of where I am now with Carrington Mortgage and why I am submitting a complaint. I was granted a 3 month forbearance period which started on XXXX XXXX with Carrington mortgage due to the Corona Virus. I was notified of this decision by mail with a letter dated XX/XX/20. This letter stated that " you will not be required to make a monthly payment for 3 consecutive months ''. It all also stated " By accepting this forbearance plan, you are affirming that you have been personally impacted by the Covid 19 '' and " Acceptance of this plan is defined by not making payments during the forbearance period ''. I received a second letter dated XX/XX/20 telling me I needed to submit some financial documents by no later than XX/XX/20 to Carrington to see what type of repayment plan they can offer me. I faxed over all the required documents on XX/XX/20. They confirmed receipt of the paperwork by sending me a letter dated XX/XX/20. I called them today, XX/XX/20, to see if I could set up some payments to get caught up on my account and they are telling me that they will not accept anything but the past due amount paid in full. How do they expect me to have 3 months of payments when I am really just getting back to a full time work day due to the Covid-19? After being transferred 4 times I finally got a Carrington Mortgage supervisor on the phone and he wants me to resubmit all my paperwork on XX/XX/20 so they can re-evaluate the application. He said that since I submitted an application for mortgage assistance that it cancels the forbearance plan putting my mortgage 3 months behind even though Carrington requested the documents. I also spoke to a housing counselor who told me that this is happening all across America. Please don't let these banks ruin America. It time for the little guy to win one. P.S. I do have copies of all the correspondence between Carrington and myself if needed. Hoping for help
04/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 129XX
Web Servicemember
In XXXX of XXXX, I filed a request for Mortgage Assistance with Carrington Mortgage Services , LLC . Due to a failure in my marriage, impending divorce proceedings, split custody arrangements, and a large flux in the contracting market as I am an independent XXXX, I fell behind on my mortgage payments. Upon filing this application, I was two months behind and sent in all required documentation to request relief in the form of moving overdue payments to the end of the loan without penalty and without causing disruption to my credit report. I had not missed any payments prior to this and dating as far back as the original loan of XXXX. I utilized my accountant XXXX as my proxy ), who also works for the XXXX XXXX XXXX, to ensure all required documents and forms were submitted. Over the last 12 months, Carrington has continuously asked for submission of the same information, either expressing that they never received it or that what I had filed had " expired '', causing unnecessary delay in the relief process. Carrington has, more than twelve times, requested the same information that was submitted via my proxy over and over again, each time with facsimile confirmations that the information was received on their end. Carrington has gone as far as threatening foreclosure and as of XXXX XX/XX/XXXX, rejected my entire application and are saying that I have to restart the entire process all over again. Due to the ongoing circumstances that evolved over the last year, I am now 11 months behind, acting on the advice of Carrington that everything would be taken care of and now am at risk of losing my home, which is the source of my income as I am an independent XXXX and the home for my daughter and I, who I am the sole financial provider for. I am requesting that Carrington honor my original application, move all overdue payments to the end of my loan without penalties and fees, and remove any negative marks or remarks on my credit report.
07/17/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NM
  • 87114
Web Older American, Servicemember
I applied for a modification, my mortgage balance was aroun d 130K at the time, by the time the mortgage was approved, the arreerages were around another 20K, I did the 3 trial payments which were around 100 dollars more than the payment of my house before the modification. They denied it after the third payment because they said I had put my daughter on the title and I did that to had that house in her name when I died, and they said that she had a lien on her house at a different address and that because she had a lien on a different address for XXXX dollars that they can not approve the modification on my house and that they are proceeding to foreclosure when I called them today, they never sent me a letter or nothing since the month of XXXX . I called today and they faxed me something. Iam attaching it. I asked them to give me time to pay this and to modify my house and they told me that no they are proceding to foreclosure, how can that be????? They need to give me time to pay the debt of my daughter who is NOT no longer on title on my house, she was in 2016 and at the request of carrington, I took her off my house title she owns her own house in another place and the lien she owes to the department of workforce solutions is for unemployment pay back which is also a mistake she has to clear out as she does not owe that. she is working on clearing this out. The company should send me a modification package tome right away to honor my request for modification since they are waiting to XX/XX/XXXX so that they do not have to modify us according to thehope or harp or whatever the situation is for the tarp funds the banks received and force me out of the house I worked for. I am a XXXX year old XXXX , and I worked for my house and I bought it for a lot more than it is worth and paid a lot of years for it. I also bought a substandard house built with bad materials and I paid thousands of dollars to make it livable.
11/22/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • MD
  • 217XX
Web Servicemember
I refinanced my home with Carrington Mortgage Services , LLC in XXXX, and they required me to purchase flood insurance for an outbuilding on my property despite my previous lender waiving it as my residence itself was clearly outside the flood plain. On XX/XX/XXXX, that particular outbuilding was completely destroyed in a fire. After sorting everything out with my home insurance company, I contacted Carrington to request the removal of the flood insurance requirement as the building in question no longer existed ( they were well aware, as they were notified of the loss from my insurance company and named on the settlement check itself ) and as this was in the time period where building costs went through the roof we were going to be unable to rebuild. I had to call back numerous times and tried various representatives, and they all told me the same thing : they can not remove the requirement, and I have to continue maintaining the ( at the time ) minimum {$50000.00} coverage on the " structure ''. One of the representatives finally told me to try calling the flood insurance provider directly as Carrington doesn't control that. I tried, and was told by the flood insurance representative that they also could not do anything about it, as it was a requirement of my lender and FEMA. I called Carrington back and they then told me that FEMA controls what they need to require, and until they are notified by them that coverage is no longer necessary then I need to keep paying it. I contacted FEMA multiple times, both the national help lines and my county/state offices, and I was told that FEMA does not regulate or oversee lenders, and I should contact the lender 's federal regulatory agency about the issue. So that is the stage I am currently at, after being forced to continue paying for flood insurance on a nonexistent structure for the last two years, five months, and twenty-four days while being given no way to resolve my situation.
07/21/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 290XX
Web
Me had my husband recently separated because of finance issues.We applied for a mod in XXXX which we could not afford because my husband lost his job So of coarse they put us in forcloser in XXXX of XXXX I filed chapter XXXX because I did not know what else to do. So in XXXX of XXXX my attorney file a XXXX mod.through the bankruptcy courts. In XXXX XXXX Carrington once again denied it because they claimed they did n't get paperwork in time which my attorney had proof they did. So a medatior had to step in through the court so we all had an conference call meeting. Now the agreement that Carrington needing was for me to do a quick deed within 2 days because my husband is no longer in the home. So that was done. So a couple of months after that Carrington needed proof that my husband is paying child support. Ok even though that was not what was needed at the time I submit that. Ok another couple of months go by which now is XXXX XXXX, my attorney called on XXXX XXXX, XXXX and said that Carrington yet again denied the mod. this time do to the child support not being court order. I have done everything they have asked me to do and yet they keep making up rules as they go. I thought the XXXX was to help people like me. This is the only mortgage company I know that are so unwilling to help. If you would look at the reviews for this company you clearly see everyone is having some issue with them. I am wanting to save my home for my XXXX children and I am not trying to get out of paying that 's why I applied for the XXXX but there is something not right with this Company. The people that answer for them do n't never give the same answers. When I asked them about the XXXX in XXXX I was told by a rep. there saying they do n't participate in this program and neither does my investor with they say is XXXX, but when I pulled the list of mortgage companies that do Carrington and XXXX do participate in the program. I am not understanding. '
07/09/2015 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • CA
  • 949XX
Web Servicemember
I purchased a my home in XXXX, Arizona in XXXX XXXX through XXXX, XXXX XXXX XXXX making weekly payments with no payments missed. Around XXXX XXXX, I started to receive checks from XXXX XXXX XXXX, when I called them to question these refund checks, they then stated that they bought my loan XXXX. I asked them why the did n't assume my loan, they stated that I was not in their system and that my payments were being posted in an escrow account. B of A stated that because they could not assume my loan that I would have to reapply with them and so I did, with one request, reduce my interest rate to something more reasonable. Every month since then, I have refiled as they claimed that they needed either new documentation and or they lost some part of it. In XXXX of XXXX, I discovered that Carrington Mortage now has my loan. I discussed the past problem with a XXXX XXXX XXXX, the gentlemen who called me and he stated that based on the information that he reviewed, he did n't see a problem getting this loan processed. It is now XXXX XXXX, now they claim that there is an issue with my XXXX issuance letter, they are requesting an updated letter for XXXX. I explained to them that I am a XXXX XXXX for life, the original letter is all I have. Since this process started with XXXX XXXX XXXX and the fact that they would n't accept payment for my loan, has my credit tied up with this " single '' mark against me. They have tried to Foreclose on my property XXXX times, all of which they withdrew on the date of sale. This is my retirement home, I make good money, have always been employed and have set aside a years worth of money to clearly prove that I can afford my home. I even gave them a written offer to which they refused. ( very reasonable, I offered them more than the house was worth@3.5 %, 30 year fixed - they ignored it ) I am not sure what else to do and I need help finding resolve to re-establish my loan and have my credit repaired.
03/31/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 212XX
Web
I have a mortgage with Carrington Mortgage Services , LLC . I submitted a written request to have the MIP removed in XX/XX/XXXX. I was informed that I did not meet the UPB requirement and that the MIP would drop off when UPB was {$120000.00}. I continued to be charged MIP beyond that UPB, and subsequently paid MIP, for 6 more months. Each month when I spoke to a Carrington rep about it, I was told, " It is scheduled to be removed next month ''. I finally submitted a XX/XX/XXXXcomplaint in XX/XX/XXXX at which point I received the attached letter ( from XXXX XXXX, Customer Advocate Dept ) stating that I would be refunded {$210.00} for 4 of the months. Again, I paid MIP for 6 additional months totaling {$320.00}. I was also told that the refund should be expected within 90 days. After leaving 3 messages for XXXX XXXX between mid XXXX and late XXXX, without a response, I finally got a call from her on XX/XX/XXXX. She stated that the MIP had already been refunded and the check cashed. She provided me with a copy of the canceled check which was for {$100.00} ( issued on XX/XX/XXXX ). It did not seem right to me at the time and it was not until I was able to further investigate that I was able to find an escrow analysis statement, also dated XX/XX/XXXX, that showed a surplus and refund of {$100.00}. This document is attached to this complaint as well. I have yet to receive the MIP refund of {$210.00} ( should be {$320.00} by my calculations ) which I was told I should receive by mid XX/XX/XXXX. Furthermore, if I did not have a slight idea as to how all of this works, I would have chalked it up to XXXX XXXX providing me with correct and accurate info and would have walked away ( as most people would ) losing {$320.00}. The number of time I have been provided with inaccurate/incorrect information is appalling and borderline criminal. I'm sure a lot of their customers are in a similar position and are being taken advantage of.
03/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 325XX
Web Older American, Servicemember
I am a retired XXXXyr old Veteran with XXXX XXXX service in XXXX on a fixed income. I was retired in XXXX and went into a severe financial crisis by the loss of 2/3 of my income. I have been scammed by several Modification outfits and got no results. I have simply been trying to get an affordable monthly payment that I can make without being broke every month. It took me 2yrs to get my full retirement and that is what started this situation. I was an XXXX in XXXX XXXX with the rank of XXXX XXXX and a rating of XXXX in civil service ( 29yrs ). My daughter and myself lived on {$1700.00} per month for over a year, Even after getting full retirement, I only bring home a little over {$3500.00} per month. When retired my monthly mortgage payment was {$1300.00}. It is not hard to see that one can not make that payment on {$1700.00} per month and still live. I have tried many times to get a fair payment that I can make, to no avail. The supposed loan started in XXXX with XXXX XXXX XXXX. We live in a small XXXX Florida town and I have found out that XXXX was not licensed or authorized to work in Florida then. The mortgage has been sold to XXXX XXXX XXXX XXXX XXXX and is currently serviced by Carrington Mortgage Service. We have recently been served with a summons Lawsuit of Foreclosure. I have been here for 27yrs and it is the only real home I have ever had. My daughter had XXXX for 6yrs and it is the only home she has ever known. To the corporations this is a property, but to us it is our home. I feel that at this time, I can make a {$600.00} per month mortgage payment. If only the mortgage company would work with me. I did have a Forensic Investigation done on my mortgage and they found several discrepancies. I am not trying to get something for nothing, I just want my daughter and myself to stay in our home. Oh, something I forgot, I was divorced in XXXX just prior to retirement. That did not help the financial situation either.
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27103
Web Servicemember
Carrington Mortgage has placed my mortgage account in credit as 1 month behind. My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with Carrington Mortgage. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.
03/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 372XX
Web
Carrington Mortgage began servicing my mortgage recently, with the first payment being due to them in XX/XX/2019. Firstly, I believe that the payment options Carrington provides to consumers are unacceptable and are being offered with mal-intent. The previous mortgage servicing companies I have dealt with, of which there have been many, were able to offer reasonable, accurate, and no fee payment options that any American consumer would expect to encounter when conducting this type of routine business. It is simply unacceptable to demand a fee to make a simple electronic payment. Secondly, I have made payment to Carrington on XX/XX/2019 through my credit union 's bill pay feature. Carrington received my payment, but did not apply the excess payment to my principal balance. Instead, Carrington has applied the excess payment as future regular monthly payments - this is a blatant attempt to collect more interest and is completely at odds with consumer interests. I called to correct the issue, and was told it would be corrected. However, it has not yet been reflected in the records. In addition to this, I was told that if I continue to make my payments in one of the very few fee-free payment options they provide I would have to call in and correct this exact issue every month. Needless to say, that is completely unacceptable. The only other fee-free option provided to me without the hassle of calling in every month does not allow me to make additional principal payments in excess of $ XXXX/month. I am currently attempting to make additional principal payments that exceed this artificial cap put in place by Carrington. I feel that I am being unduly burdened in order to make a simple mortgage payment. I have only encountered this situation with Carrington and no other banks or mortgage servicing companies. Please correct this issue, whereby I can make my mortgage payment with additional principal without unfair burden.
07/16/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75115
Web
XXXX XXXX XXXX sold my home mortgage loan to Carrington Mortgage Company. I have been a homeowner for 20 years and have never been late on a mortgage payment until Carrington Mortgage company took possession of our mortgage loan. I use and have used XXXX to pay my bills for the last 20 years. I schedule my payments and have never had an issue. I always take advantage of the grace period for our mortgage and pay by the XXXX of each month. If I scheduled a bill to pay through XXXX on a certain date, it is always paid on that date. I was scheduling my payments for my mortgage to pay on the XXXX. That was working fine, and then one month they claimed they did n't receive the payment on time and charged me a late fee. After that, I always scheduled it to pay at least 2 days before the XXXX. Now this month I scheduled the payment to pay on the XXXX, XXXX assures me it was mailed and delivered in ample time to arrive at the mortgage company by the XXXX. I checked my bank account and the payment had not cleared and I received a call from Carrington mortgage saying my payment was due. I went ahead and paid the mortgage again so as not to incur a late fee. I strongly believe Carrington mortgage is purposely holding checks from clients who choose to use the grace period and accounting for them after the grace period ends. I am a good customer and a reliable customer. Fortunately for me, I have the extra income to make that payment so as not to incur a late fee or have it affect my credit record. I believe their procedures need to be investigated. I think they are trying to take advantage of people who are opting to use the grace period and charging late fees. I do not believe XXXX to be at fault, I have never had this issue with XXXX in the past and would like to lodge a complaint against Carrington Mortgage for purposely holding payments from those who opt to use the grace period so as to be able to charge additional fees.
03/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 085XX
Web
Our mortgage was sold to Carrington Mortgage https : //www.carringtonmortgage.com/ and they did not apply the payments properly. This caused late fees and harassing phone calls. We can show consistent on time payments. We pay XXXX 's payment on XX/XX/XXXX, XXXX 's payment on XX/XX/XXXX. This initial problem was solved after months of harassing phone calls. Carrington was wrong we were right. Carrington removed the late fees because of their errors. On these calls I asked for the call to be escalated, I was transferred and told I was talking to a supervisor, instead I was talking to the person sitting next to the person who called me who was 'pretending ' to be a supervisor. They admitted to lying to me when the call get heated. They badger, and bully good paying customers and make you write them when they can call you at all hours. They tell you to follow one path then when you do they say, follow this other path. Today I am calling Carrington to have a late fee removed because there was a change to my escrow account and they did not apply my payment. Instead the kept my payment in unapplied, added a late fee and now will not remove that late fee. I was made aware of this by a phone call from Carrington. I made the make up payment within a coupe of days. I asked for a supervisor and was told they were not available and if they were they would not waive the payment either. I was told they can not spend too long on a call. Previous to today, when I called to find out why my payment was not applied I was told they could not waive the payment at that time and would have to call back. Now when I call back they say I have to write. This takes hours of time away from me waiting on hold and writing. I understand there are people who game the system and don't pay their mortgages. That is not us, our records show consistent early payments, yet we continue to be abused by this company, their practices and employees.
12/08/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60649
Web
All of my payments have been on time since having a mortgage with Carrington ( mortgagee ). However, when I was contacted by Carrington to refinance afterwards my payments went from {$1500.00} to {$1400.00} starting in XXXX 2016. So for XXXX I continued to make my payment of {$1400.00} but on the payment website the amount due was showing {$1500.00} so I immediately contacted the agents of CMS which were my primary contacts throughout financing. I was told by the agents that there must be a mistake and they would investigate and to continue to make the {$1400.00} refinanced payment while they research the issue. When I tried to make the XXXX payment I was told by another agent that my XXXX payment was not made. I told that agent that I did make the {$1400.00} payment. The agent said that the amount was not applied as paid because it was not in full ( {$1500.00} ). I explained that I had refinanced and my primary contacts were looking into this matter to make the amount due corrections. The agent continued to research and said that more than likely my escrow had increased and I should go ahead and pay the {$1500.00} amount for XXXX and the additional {$96.00} for XXXX while this is being researched. So I paid those amounts in hopes of getting this issue corrected soon. After receiving derogatory credit reporting from Carrington for not paying the full {$1500.00} amount in XXXX without explanation of why it was increased I finally received a letter on XXXX/XXXX/2016 explaining hat happened. My property taxes had increased for XXXX thus increasing my escrow and monthly payment amount but I was not notified by Carrington nor the City of XXXX. After explaining this situation to Carrington, they are refusing to correct the missed payment reporting to the credit bureaus. To add further insult. I have documentation from the refinance closing that I was entitled to a closing refund that CMS has refused to pay me
09/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • ID
  • 832XX
Web Older American
At the end of XXXX XXXX, Carrington Mortgage Services LLC offered to refinance my home and asked for a loan estimate from another company to see if they could offer me a better deal. Carrington offered me a conventional loan with much better numbers than the FHA loan I was considering from another lender. A payment for an appraisal was requested at that time. Because I had previously had a bad experience with an appraisal service, I told Carrington not to use that particular appraisal service. Two days later I received a call from the appraisal service I had the bad experience with, so I called the loan officer and told her again NOT to use this appraisal service. Another appraisal was ordered through another company and a refund for the first appraisal was issued within a week. I then paid for another appraisal from another company. I was told the appraisal would be approximately {$40.00} more, but in fact it was {$65.00} more. The day after the appraisal was ordered, the terms of the loan changed and the conventional loan had morphed into an FHA loan with numbers comparable to the first company I had received a loan estimate from. During the next week, the loan estimate changed two more times, so I contacted the loan officer and her manager to inform them I was no longer interested in pursuing a loan with Carrington and would they please return the appraisal fee. This was on or about the XX/XX/XXXX. A couple days later I received a notice from Carrington stating that my loan had been denied because, " We do not grant credit to any applicant on the terms and conditions you have requested. '' This adverse action caused my credit score to decrease when I was the one who canceled the loan process because of a lack of communication and an abundance of misinformation ( lies ). As of today, XX/XX/21, I have received no communication regarding an appraisal refund and no refund has been issued to my credit card.
05/23/2017 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 953XX
Web Older American, Servicemember
Carrington Mortgage Ser vices LLC Loan No. # XXXX Phone No . # XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX was my first and only lender until XXXX XXXX XXXX XXXX bought XXXX XXXX XXXX on about XXXX XXXX XXXX XXXX XXXX XXXX Loan No. # XXXX Sold my loan to Carrington Mortgage Servic es LLC Loan No. # XXXX I received the Carrington Mortgage Service s LLC inform ation on Friday XXXX when I called XXXX XXXX XXXX XXXX to check on my Short Sale status which was currently in effect and past approved by both XXXX XXXX XXXX and my second, XXXX .. XXXX XXXX XXXX sold my loan while the Short Sale was approved, complete with a buyer. Now that Carrington Mortgage Servi ces LLC bought my l oan and in my opinion cant produce the following documents because in my opinion, XXXX XXXX XXXX never had them and also refused to produce them for me, therefore Carrington Mortgage Services LLC in my opinion doesnt have them and wont be able to produce them as well. Would you please ask to Carrington Mortgage Service s LLC to produce the following item s : 1. The XXXX XXXX XXXX to XXXX XXXX XXXX Assignment of the note in Deed of Trust. 2. Th e Chain of Title from XXXX XXXX XXXX to XXXX XXXX XXXX to Carrington Mortgage Services LLC. 3. Copy of the Recording of De ed of Trust in XXXX XXXX . 4. Copy of the Merger with a list of the assists and UC1 filing. 5. Also, if any of these documents show up, Im requesting a Federal Officer examin e the ink on the date to determine if its appropriate for that month and year. 6. What amount of money did Carrington Mortgage Services LLC pay XXXX XXXX XXXX for my loan? Thank you for your attention to this matter. XXXX XXXX XXXX
03/23/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85140
Web Servicemember
I did a modification with my prior loan company XXXX XXXX back in XX/XX/XXXX. The modification 's effective date was XX/XX/XXXX. The first payment due was on XX/XX/XXXX. As soon as the modification process was complete and before the XX/XX/XXXX effective date, the loan was sold to Carrington Mortgage Services. Lower LLC did not send copies of the modification to Carrington Mortgage Services. I made contact with Carrington and they told me that my load n was in forbearance and it would not end until XX/XX/XXXX. I called back to them on several occasions to make sure nothing was due because I wanted to make sure nothing went wrong with the mortgage. I also sent Carrington a copy of the modification from XXXX XXXX by uploading it to the customer portal so they could see what the terms were. I sent the copies by email again in XX/XX/XXXX. No one from Carrington contacted me until XX/XX/XXXX to let me know that I owe for XXXX and XXXX on my mortgage. I called Carrington several times to make sure I didn't owe anything and all they told me was to wait until the forbearance was up on XX/XX/XXXX. They told me that they appreciated my calling in to check on the mortgage. I do not blame anyone but myself for putting my mortgage at risk financially but thought i could get the help I needed without finding myself almost back where I started. Carrington gave me a couple of options that were not at all beneficial for the customer. One was to redo the modification which meant that my APR would jump probably 3 to 4 percentage points because of the current rates. The other was to pay all 3 payments and get caught up. I just felt some of this responsibility should fall back on Carrington because I repeatedly called in to check so something like this wouldn't happen and obviously it did. There just seemed to be no giving from Carrington making me believe that they are not accepting any responsibility for the situation.
03/11/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 78108
Web Servicemember
In XX/XX/XXXX I requested a loan modification from XXXX XXXX XXXXXXXX. In XX/XX/XXXX, XXXX XXXX XXXXXXXX confirmed my loan was being reviewed for loan modification and they received all the documentation required and would make a decision within 30 days. In XX/XX/XXXX before my loan was transferred to Carrington Mortgage, I confirmed what the process would be in regards to my loan modification. I was told that the process would continue with the new lender. They would pick up the process where XXXX XXXX XXXXXXXX left off and I would not have to do anything. On XX/XX/XXXX, my loan transferred to Carrington Mortgage. In XX/XX/XXXX, I called Carrington Mortgage to check the status of my account and loan modification. I was told that I has to wait 60 days and I would be contacted. I was told that Carrington Mortgage has to wait for XXXX XXXX XXXXXXXX to send them my documents. In XX/XX/XXXX, after the 60 days I contacted XXXX XXXX check the status of my loan modification and have been giving the run around ever since. I have spoken with several managers and customer service representatives. They are refusing to process my request for loan modification and have now sent my loan to foreclosure. I have informed Carrington Mortgage that they are in violation of mortgage regulations that govern how transferred loans that are in the process of a loan modification are suppose to be handled. It is now XX/XX/XXXX, and Carrington Mortgage has been increasingly difficult to deal with. Representatives hang up in my face and promise to call back and never do. I have spoken with XXXX ( supervisor ), XXXX XXXX, XXXX ( XXXX 's XXXX ) XXXX XXXX, XXXX ( another manager ) XXXX, XXXX, and a host of other regular customer service representatives to no avail. This company is aware that they are in violation of the law and they have refused to correct the violation and process my request for modification.
07/25/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 90047
Web Older American
My mortgage carrier is Carrington Mortgage Services LLC, and they have increased my escrow payment from {$370.00} to {$690.00}. Their reason was because my property tax statements from XXXX XXXX to XX/XX/XXXX were for total due {$3500.00}. Then the following cycle XX/XX/XXXX. XXXX to XX/XX/XXXX double to total due {$7300.00}. The reason for this double amount was because I did some energy efficient improvements on my house through the XXXX XXXX. This program allows you to pay the loan back through my County Tax statement every year. So, the additional or supplemental tax from the XXXX XXXX of {$3700.00} caused my escrow balance to become negative for that amount. They recalculated my escrow projected amount on XXXX to the {$690.00} amount. I explained to them I'm a senior citizen on a fixed income and couldn't avoid a {$300.00} jump in my monthly payment. Upon finding out my escrow balance was negative I paid the {$3700.00} on XXXX XXXX. The only thing I wanted Carrington to do was ignore the XXXX supplemental tax portion moving forward and I would be responsible for this part of my tax bill which would move my escrow charges back to {$370.00} instead of the {$690.00}. The tax department attempted to have the supplemental tax from the XXXX XXXX taken off my tax statement. So, there have refused to do so. In their projected escrow analysis they are assuming a value. They don't know what my XXXX supplemental tax will be for XXXX XXXX XXXX XXXX. I may have paid down the XXXX balance due or I may have paid it off. By making this assumption and charging me the additional {$300.00} I could be using that money to pay down the XXXX balance. Please have them put my escrow payment back to the previous calculation and allow me to be totally responsible for the XXXX supplemental part of my property tax bill. It that simple of a request. I'm attaching 4 documents to support what I've outlined about.
08/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AZ
  • 864XX
Web Servicemember
Im XXXX I notified our mortgage company Carrington mortgage that my husband had passed away on attempted to make a purchase from XXXX XXXX which was denied I contacted XXXX XXXX credit card and was told that on XX/XX/21 they received notice that I was deceased so they closed my account I provided them al my info at which time they reopened my account but would take 30 days and I should call XXXX since they are the one whom notified them I called spoke with them they filed a dispute and all in one day filed it investigated and closed it they sent me by mail a notice that they corrected it and I was no longer marked as deceased. Not sure if date but it was in XXXX I received notice that my homeowners insurance for my XXXX home had been cancelled due to me being deceased I called my insurance agent he contacted XXXX and told them I was not deceased so they redid my policy using XXXX for score and since they didnt show one on me my insurance policy cost me double the amount causing a shortage in my escrow account. I again called my mortgage company at least 4 times and finally this time is when o was told that they are the ones that made me deceased and not my husband and they are the reason for all of my headaches I was again told to fax the death certificate to their research dept so they could fix the problem. On Saturday XX/XX/XXXX I received a call from XXXX at Carrington telling me that they have fixed everything on their end and that credit report will go out to XXXX on the bill XXXX and they will make correction on their end then today the XXXX of XXXX I received a call from XXXX at Carrington tell me that it will be at least 60 - 90 days before this mess will be fixed because the previous person at Carrington told me to refax my husbands death certificate and it caused another dispute to be open!!! This has made my life a nightmare can you please help to get me??? Thank you
09/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 156XX
Web
My mortgage was sold to a new company, I was notified via a letter dated XX/XX/2018. In the letter it stated in order to set up electronic payments, as I was currently making to my old mortgage company " XXXX XXXX XXXX '' as I had since the loans inception, the new company CMS ( Carrington Mortgage Services ) states it would cost a {$5.00} fee unless prohibited by law. I called the CMS customer service number on Friday XX/XX/18 and explained that I could not access my account using their provided loan number. They explained the account was not fully set up and I would have a 60 day grace period whereas there would be no late fees charged. I then explained I had never had to pay any charges to pay electronically and this option was needed for me since I travel for work and need the ability to pay this way. They said there were other methods available and I could use them instead of paying what they call a convenience fee of {$5.00}. Other options : I could pay a {$10.00} fee and use XXXX XXXX or I could purchase stamps and mail payments when able to ( I'm not always near a post office ). Another option ( which is free ) is I could set up automatic withdrawals from my bank account. I am not comfortable with this method. As I see it, if an existing loan was sold, it should be sold with the same conditions that exist with the old loan. The customer should not have to pay additional fees for features that were already there. As far as convenience goes, it is more work for the bank to open a letter and then input the information in a computer than it would be if I paid electronically, the information would already be in the computer system. Another problem is CMS wants to increase my payments so they can have a larger escrow balance. Why? In conclusion what I'm looking for is the same terms that were in place with the old mortgage company. Please help. Is this legal and what are my options?
07/01/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
I submitted two Requests for Mortgage assistance to Carrington Mortgage. I submitted one in XX/XX/2020 and another in XX/XX/2020. Both RMA 's were canceled because " I failed to forward the documents to complete my application. '' Regarding the XX/XX/2020 RMA Carrington continued to tell me that I did not comply with their requests for documents that they stated were missing from my application. The fact is I sent the documents on three occasions and the said the documents were not received, therefore my application was canceled. At this point, I began to investigate why they did not receive my documents and I discovered that the Carrington representative had given me an incorrect email address to forward documents. ( attached # 1, 6 examples ). The correct address should be : XXXX, instead they gave me this email address : XXXX. The email address they gave me was missing the S in the word assistance. The second time they canceled my RMA was because I stated on the RMA that I had " rental income. '' I do in fact have rental income on another property I own. Their Statement to me was, " That I falsely stated that I had rental income on my primary residence. The form in part, ( attached # 2 ) is clear in the question ; " Do you have rental income? '' I answered the question factually. I do have a rental income. It is not generated from this property, but I do. Because Carrington felt I was being deceitful they canceled my RMA, again. On a three-way phone call to Carrington with my HUD counselor on the line, a Carrington representative admitted that they made a mistake in canceling the second RMA, but this action was irreversible and the application could not be rein stated. At this point, Carrington has accepted my third RMA and it is now in underwriting, but they refuse to confirm that the XX/XX/2020 sale date has been postponed pending the outcome of underwriting 's decision.
05/15/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • SD
  • 577XX
Web
In XXXX XXXX 2016 we found out we had a delinquent XX/XX/XXXX mortgage payment to Carrington M ortgage Services when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recie ved XX/XX/XXXX payment. T he XX/XX/XXXX p ayment made th e XX/XX/XXXX payment and now I was XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to Carrington. I called Carrington several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone. XX/XX/XXXX I ch ecked my bank account and I was credited XXXX . I contacted my Bank, XXXX XXXX XXXX XXXX and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted Carrington Mortgage and told them what I had found out. I mad e 2 pa yments to Carrinton at this time . One ch eck for XX/XX/XXXX a nd the other for the missed payment. At this time I asked them if they could please contact the major Credit Companies because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from XXXX XXXX stating the payment was sent on X/X/16 m aking XX/XX/XXXX payment. The letter I recieve from Carrington stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with Credit Reporting Companies.
10/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • XXXXX
Web Older American
On XXXX/XXXX/16, I received a Payoff Statement from Carrington Mortgage Services of {$570.00} valid until XXXX/XXXX/16. I paid that amount through XXXX online banking. XXXX XXXX XXXX sent that amount on XXXX/XXXX/16 for delivery on XXXX/XXXX/16. A letter from Carrington dated XXXX/XXXX/16 stated Carrington did not receive my XXXX/XXXX/16 payment and that I owed {$550.00} which included a late charge. I immediately called Carrington and informed them I sent them the loan payoff amount and faxed them a copy of my online banking statement. I also contacted XXXX XXXX XXXX Online Banking. On XXXX/XXXX/16. a XXXX XXXX XXXX representative and myself called Carrington and XXXX XXXX XXXX faxed Carrington proof of my payment. XXXX from Carrington told us they located the funds XXXX XXXX XXXX sent. A letter from Carrington dated XXXX/XXXX/16, stated they located the {$570.00} and it was posted to my loan as the XXXX payment with an effective date of XXXX/XXXX/16. On XXXX/XXXX/16, I called Carrington again and spoke to XXXX and informed her the {$570.00} was the Payoff Statement amount and should be applied as such. She put me on hold to speak to someone else. She then told me I should not worry, the funds would be sent to the cashiering dept. I could consider the mortgage paid off. On XXXX/XXXX/16, I received a Call from Carrington trying to collect a debt. I explained the whole thing to this woman and she found all the notes pertaining to this matter in my loan file. She said she 'd pass this to her supervisor for quick action. On XXXX/XXXX/16, I received a Notice of Intent to Foreclose from Carrington. I again called them speaking to the same woman as I did the day before. She informed me she would have her supervisor call me. It is becoming clear to me now that Carrington Mortgage Services, through incompetence and/or outright criminal activities, is trying to extort additional funds from me.
11/19/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85304
Web
Began discussing loan modification options around XXXX of 2022 and advised we could either put delinquent amounts on the end of our loan or add to loan with increased interest. We declined the latter and in XXXX and XXXX of 2022 received modification paperwork which increased our interest rate from XXXX XXXX XXXX XXXX XXXX, increased payment by $ XXXX and seemingly adds total amount past due to principal balance which would change from XXXX to XXXX. Told this or paying off the loan was our only option. Received notice dated XX/XX/2022 that we had until XX/XX/2022 to discuss options to avoid foreclosure but home auctioned off on XX/XX/2022. We had no idea this could or would happen as we were actively attempting to find resolution. Unsure at this time if sale will stand and we will be evicted, and forced to file XXXX XXXX XXXX immediately. Towards the beginning of XXXX told we were on 180 day forebearance, later told we werent and denied our request for forebearance stating unnecessary. On XX/XX/2022 told by phone all available forebearance used but we believe a 90 day forebearance was only utilized/requested 3 times. Told we had to reapply for forebearance after 90 days. Required to fill out extra information to qualify for forebearance. We believe dual tracking occurred and loan modification and foreclosure were happening simultaneously. Spoke with representative in XX/XX/2022 to notify of our intent to apply for XXXX and asked for confirmation of forebearance. Lead to believe we were on forebearance. We believe forebearance and XXXX postponing foreclosure date were used interchangeably. We question accurate reporting to credit bureaus, assessing late fees while in forebearance, and level of deception that occurred overall. Due to our home being auctioned off we felt it more important to initiate complaint and not wait to look through all correspondences for other incidents.
07/27/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30087
Web Older American
am not a lawyer, but I can attempt to provide some general information. If a mortgage company fails to maintain an accurate loan origination date, it may potentially violate several sections of the XXXX XXXX of Georgia XXXX ( XXXX. ). However, to determine the specific parts of the O.C.G.A. that might be violated, it is essential to consult with a qualified attorney who can assess your situation in detail and provide precise legal advice. Here are some potential O.C.G.A. sections that XXXX be relevant : O.C.G.A. XXXX ( XXXX and False Swearing ) : This section addresses false statements or representations made knowingly, with the intent to defraud. O.C.G.A. XXXX et seq. ( Georgia XXXX XXXX Practices XXXX ) : This act governs deceptive trade practices and unfair business practices in Georgia, which could include misleading borrowers about loan origination dates. O.C.G.A. XXXX ( False Advertising ) : This section pertains to deceptive or misleading advertising practices, which XXXX apply if the mortgage company advertises loan terms inaccurately. O.C.G.A. XXXX ( False Statements in XXXX ) : This statute prohibits false, deceptive, or misleading statements in connection with the advertisement of consumer goods or services. O.C.G.A. XXXX ( Violation of Title ) : This section establishes that violating the Georgia XXXX XXXX Practices Act is considered a violation of Title XXXX of the O.C.G.A. O.C.G.A. XXXX ( Power of Sale Foreclosure ) : This statute deals with foreclosure procedures in Georgia. If the mortgage company uses an inaccurate loan origination date as part of the foreclosure process, it may potentially violate this section. O.C.G.A. XXXX ( Deed of Trust Foreclosure ) : This section is specific to deeds of trust, which are used as security instruments for loans. Violations of this section could be relevant if the mortgage company 's actions involve deeds of trust.
05/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MO
  • 65804
Web
My father and I took out this mortgage loan in XXXX to repair the home. He passed away in XXXX and I now have the loan. On XX/XX/XXXX, I lost my main source of income and was placed on unemployment. I knew by the end of XXXX that I was in trouble and applied for a home loan modification. I was denied and they stated it wasn't due to unemployment and they were unable to create an affordable payment without changing the terms of the loan. I reapplied and they kept asking for my profit and loss statements for my business ( XXXX XXXX two nights a week ) and I sent them. They said I needed to send them again, so I did. They said I needed to send them yet again, and I did. This has been going on since XX/XX/XXXX. I have sent the profit and loss statements multiple times and have copies of every time I sent them. I spoke with a HOPE/XXXX housing counselor and we did a three way call. My Carrington 'case worker ' said I needed to send the profit and loss statements yet again and hung up on us. The HOPE/XXXX counselor said he's never had that happen. I sent the profit and loss statements again. They asked for them again. I finally spoke to another person and she said she could see where I DID send the profit and loss statements, but they needed to be on one page? In eight months, no one told me this. I sent the profit and loss on one page. Now, they have sent me a denial letter stating my financial hardship was not directly related to unemployment or loss of income. I do have a new job but have taken a serious cut in pay. I am nine months behind on my mortgage due to them repeatedly asking for information I already sent and there is no way I can reinstate the loan. This has had a serious effect on my health and I now have XXXX XXXX XXXX and stomach issues. I believe they were negligent in how they handled the modification request. I am now looking at foreclosure and becoming homeless.
02/25/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 21222
Web
I recently received a loan modification via email on XX/XX/XXXX requiring the signature of myself & co-borrower. The due date of the XXXX payment under this modification is XX/XX/XXXX. I have made several calls & sent multiple emails since XX/XX/XXXX informing Carrington Mortgage that the co-borrower has not resided at the residence since XX/XX/XXXX. My initial loan was through XXXX XXXX then abruptly transferred to XXXX XXXX XXXX now Carrington Mortgage as of XX/XX/XXXX. I have been on a XXXX XXXX with Carrington since XX/XX/XXXX. Now that the forebearance has ended, Carrington is doing as they please to make me default in my payments again that will subsequently result in the loss of my residence which I can not sign the loan modification on my own. The co-borrower will not sign due to not occupying the residence. I feel that Carrington is taking advantage of my XXXX XXXX & low credit score. Carrington has never offered a refinance to remove the co-borrower. Without the co-borrower 's signature, I am unable to move forward with the terms offered in the loan modification. Furthermore, Carrington 's website falsely advertises offering refinancing for new/existing customers for poor XXXX range credit scores. I'm in a life altering situation where I can not easily obtain a refinance offer from a different lender. The lender had also refused to voluntarily remove the co-borrower on their end. The only option that I was given to " make financial decisions '' without the co-borrower requires a quitclaim deed that I can not afford. It was explained to me that the quitclaim would serve as proof that the co-borrower has no interest in the property but would still not remove them from the loan. I have equity in my home so this seems to be a ploy to force me into foreclosure, short sale and/or for Carrington to ultimately benefit & collect the equity currently on the property.
08/02/2016 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • TX
  • 78109
Web
One day My husband decided to check his credit report. He discovered that Carrington Mortgage LLc had reported late payment on our Mortgage loan on all credit Bureau 's. This caused of course a lower credit score and now months trying to clear this off our credit report. The month 's Carrington reported late payment were XXXX 2015 and XXXX 2015. I contacted Carrington to inquire about the late payment. Their answer was that it was late because the pay off was made on XXXX XXXX, 2015. Had it been on XXXX XXXX, 2015 then it would not be considered 30 days late. I submitted my XXXX dispute on all credit agencies for this to be removed for it was not accurate. They removed XXXX but not XXXX. I contacted the credit bureau 's to inquire why only XXXX was removed. They said I needed re dispute with more documents. I contacted Carrington, but the only form they provided us with was more like a statement of payments. So my only option was to contact XXXX our new Mortgage company in hopes off getting any documents showing when Carrington got paid. They provided me with the disbursement document. The document shows that XXXX paid off Carrington on XXXX XXXX, 2015 through a wire transfer. So I submitted a dispute once again. This time I attached the Disbursement document and the letter we had received from XXXX stating when they acquired our Mortgage loan which also stated it was in XXXX XXXX, 2015. In all this us as consumers have no control for there was a third party involved XXXX XXXX and it was during a refinancing period. In conclusion the documents submitted to the Credit Bureaus validates that is was never paid late. I do n't understand why Carrington insist otherwise. This has put a big scar on my husbands and my credit report. We have never been late payment on anything, ever! Not only does this affect my husbands and my credit score but most importantly career opportunities.
06/29/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 95678
Web
I purchased my home XX/XX/XXXX. Since my purchase, my loan has been sold twice, first to XXXX XXXX XXXX & this last time to Carrrington Mortgage. Looking through the paperwork that I received in regards to the sale I think Carrington Mortgage purchased my loan XX/XX/XXXX but my first letter of contact from them was XX/XX/XXXX. While XXXX owned my loan they pulled my mortgage payment from my checking account twice a month, the XXXX & XXXX for the amount of {$1300.00}. My last payment made was XX/XX/XXXX made to XXXX. I assumed that Carrington would continue to honor the payment arrangements. When next payment came up on XXXX XXXX no payment was removed. I waited a few days assuming that things might be a slow because of the sale. I finally called Carrington regarding the payment not being pulled & was informed that I need to re-apply for this service and that because I was behind on the mortgage they would not consider me until I was caught up. When I inquired about being behind they told me that because they had yet to receive the XXXX XXXX payment I was now overdue ( XXXX pulled this payment on XXXX XXXX and Carrington took over loan on XXXX XXXX ). I was also informed that I had an escrow shortage and that my payment was going to increase. As of XXXX XXXX I will be a little over $ XXXX late on my mortgage. I have cashiers checks for XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX but I 'm not allowed to make these payments because Carrington does not accept partial payments ( XXXX XXXX is still missing according to their records ). We are risking our credit and losing our home, but would like to see Carrington continue to honor the same terms of our loan that was established with XXXX. We would also like to see them take the partial payment XXXX pulled and apply it to XX/XX/XXXX. When that payment is applied we could then catch up on our loan with the cashiers checks that we have.
11/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 70122
Web Older American
My husband purchased a 3 bedroom townhouse in XXXX XXXX on XX/XX/XXXX. The loan was with XXXX XXXX XXXX. My husband XXXX on XX/XX/XXXX and willed the house to me. I always paid the mortgage payment online. On XX/XX/XXXX XXXX XXXX XXXX started communicating with that I was in areas. They alleged that my last payment was XX/XX/XXXX. They accelerated the loan one month later on XX/XX/XXXX. I continued to make my payments online and they accepted the payments XX/XX/XXXX; when they sent my account to Carrington Mortgage Services. When Carrington received my account they would not accept any payments ; however not before XXXX XXXX XXXX filed foreclosure on XX/XX/XXXX while my account was current. XXXX XXXX XXXX would n't accept my bank records or my continued calls asking them to research the situation. They just would n't entertain my attempts to show and prove that my payments were current. Recently I spoke to a person at Carrington research department and she wanted to know why I had n't made payments to them. I told her that every time I sent a payment would n't accept it until I pay the past amount due which is in the thousands now. For at least a year now I have sent Carrington all the documents they have ask for. My husbands XXXX certificate, succession papers, complete bank statements, also my bank has sent official document showing electronic payments to and accepted by XXXX XXXX XXXX, a long with amounts paid- last four of the accounts and electronic tracking numbers. After all the documents that I have sent now they are asking for copies of front and back cancelled check ; which of course I do n't have because the payments were paid electronically. I am XXXX years old and XXXX, I rely on my daughter to help me with actives of daily living. I do n't want to lose my home. I do n't know what lese to do PLEASE HEPL! I 'm on a fixed income and can not afford an attorney.
01/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CT
  • 064XX
Web
XXXX XXXX XXXX originally had my mortgage and sold it to Carrington Mortgage Services. Back in XXXX XXXX, I received a letter from Carrington stating they were going to place lender coverage on my property because my HO6 ( condo homeowners insurance ) was cancelled. I spoke with XXXX and they sent over the insurance declaration page, along with a bill to Carrington ( they escrowed for taxes and insurance ). Fast forward, XXXX XXXX I receive another letter from Carrington stating they were going to place lender coverage on my property because my HO6 insurance had been cancelled. I called XXXX to ask why I was receiving this letter when I thought it was taken care of 9 months ago. XXXX stated they sent the bill to Carrington, and it was never paid. On XXXX/XXXX/XXXX I contact Carrington to let them know of their mistake ; and XXXX will not underwrite another policy for me because the property has been uninsured for over 6 months. Basically I am told by companies that I am uninsurable. I tell Carrington supervisor ( XXXX ) to place the lender coverage and reimburse my escrow account the difference ; because the XXXX coverage was {$370.00} annually compared to their coverage of {$800.00} annually. He tells me he needs to research this, and will give me a call back. On XXXX/XXXX/XXXX, I finally receive a call back from Carrington, stating they will need to further research, but I will need to find a company to place coverage, and than they will look into reimbursement. I let Carrington supervisor ( XXXX ) know that is impossible because I am considered uninsurable now, and they need to fix their mistake, and I will be reporting them. She lets me know that she will inform department about my dilemma, do some additional research, and get back to me. Meanwhile, my condominium ( which is a rental property ) has been uninsured since XXXX XXXX, and there is no resolution in sight.
05/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 350XX
Web
Carrington Mortgage has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing Carrington 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to Carrington and credit reports showing the above facts. Carrington 's actions are clearly a willful violation of Federal Law. While the reality was that Carrington was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, Carringiton would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the CMS Loan Administration Support Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... Moreover, the Loan Administration Support Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 ) on XX/XX/2020 from XXXX ( 2 ) on XX/XX/2020 from XXXX ( 3 ) on XX/XX/2020 from XXXX ( 4 ) on XX/XX/2020 from XXXX ( 5 ) on XX/XX/2020 from XXXX ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from XXXX ( 8 ) on XX/XX/2020 from XXXX and ( 9 ) on XX/XX/2020 from XXXX.. Carrington Mortgage attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).
05/17/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MI
  • 48227
Web Servicemember
LOAN NUMBER XXXX - XXXX XXXX XXXX ON XXXX XXXX, XXXX MY LOAN WAS PURCHASED BY CARRINGTON MORTGAGE IN XXXX. FOR THE FIRST 90 DAYS OF MY LOAN, CARRINGTON COULD NOT PROVIDE ME WITH A LOAN NUMBER OR A MEANS BY WHICH TO MAKE MY PAYMENT. WHEN I WAS ABLE TO MAKE A PAYMENT IN THE FOURTH MONTH, CARRINGTON INITIATEED FORCLOSURE PROCEEDINGS AGAINST ME. I WAS ADVISED ON NUMBEROUS OCCASIONS THAT FOR THE FIRST 60 DAYS THERE WOULD BE NO REPORTS MADE TO MY CREDIT BASED ON THE FAILINGS AND SHORTCOMINGS OF CARRINGTON AND THE INABILITY OF THEIR SYSTEM TO RECOGNIZE ME AS A CUSTOMER AND THEIR INABILITY TO PROVICE ME WITH A LOAN NUMBER. I BELIEVE THIS IS A FORM OF PREDATORY LENDING FOR THE FOLLOWING REASONS : 1. A REPORT WAS MADE TO THE CREDIT REPORTING AGENCY AFTER I WAS TOLD THAT THERE WOULD BE NO REPORT MADE FOR THE FIRST SIXTY DAYS. 2. THE INTEREST RATE IS MUCH HIGHER THAN A TRADITIONAL FHA INTEREST RATE AT 6.5 % ON A XXXX LOAN ABOUNT 3. I AM NOT UNABLE TO REFINANCE THE LOAN BECAUSE OF THE " REFER TO FORECLOSURE '' THAT CARRINGTON HAS PLACED ON MY CREDIT ACCOUNT 4. I NEVER MADE ANY LATE PAYMENTS ON MY ORIGINAL LOAN WITH XXXX MORTGAGE 5. I AM FORCED TO STAY WITH CARRINGTON ( BECAUSE OF THE NEGATIVE CREDIT REPORTING ) EVEN THOUGH THEY FAIL TO SERVICE MY NEEDS AS A CUSTOMER 6. EACH MONTH CARRINGTON 'S WEBSITE REJECTS MY PAYMENT FOR XXXX REASON OR ANOTHER 7. THE VALUE OF MY HOUSE IS MUCH GREATER THAN WHEN I ORIGINALLY PURCHASED IT CARRINGTON IS USING THE METHODOLOGY KNOWN AS PACKING BY PURCHASING SMALL LOANS FROM LARGE BANKS WITHOUT THE BORROWERS KNOWLEDGE AND ATTACHING LARGE INTEREST RATES TO THE LOANS. BY THE TIME THE BORROWER REALIZES WHAT HAS HAPPENED, EXCESSIVE LEGAL FEES ARE ATTACHED TO THE MORTGAGE CAUSING THE BORROWER TO DEFAULT OR FORECLOSE ON THE MORTGAGE. THE PROPERTY IS THEN TAKEN BY CARRINIGTON. PACKING AND ASSIGNING EXCESSIVE FEES ARE XXXX COMMON PREDATORY LENDING PRACTICES
07/10/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 130XX
Web
I have my mortgage with Carrington Mortgage Services , LLC . I always make the mortgage payment within the month it is due, and accept the late payment fee of {$30.00} if I pay after the XXXX. On XX/XX/2023, I tried to make my XXXX mortgage payment online of {$1500.00} + the {$30.00} late fee. When I tried to make the payment online on the XXXX, I kept getting an error message from the website stating the payment could not be processed. This had nothing to do with my bank, as I had plenty of funds available in my account at the time. I tried to call their customer service line, but it was a XXXX night, and they are not available. I called the company on XXXX, XX/XX/XXXX in the morning, and stated the issue I was having. I was told by a representative ( on a recorded line ) that it was my fault for not paying the mortgage sooner within the month. The representative also stated that they don't process payments on XXXX. They said that the payment is processed the next day, so I would have been late either way. I know this is not true, as I have made payments previously on XXXX, and they process that day. XXXX reported my payment as 30 days late to the credit reporting agencies ( XXXX, XXXX, and XXXX ), and my credit score dropped almost 100 points immediately. I filed a complaint with the company, and they told me they would look into their online system. They can see that I logged in that night ( XX/XX/XXXX ), but they said their system was processing payments, and it was my fault. Their system would not process my payment, and it was their fault. I have worked hard to maintain a credit score above 750, and had no issue doing so until Carrington 's online system would not process my payment. I would like the 30 day late payment to be reversed with the credit reporting agencies, as I know they can do so ( I am in the mortgage industry ). Please advise of my next steps.
11/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 95758
Web
I began refinancing my home with XXXX XXXX on XX/XX/XXXX. I was told by a XXXX XXXX representative it would take about 30 days ; so therefore I should n't make my XX/XX/XXXX payment because it would be covered in the payoff check. On XX/XX/XXXX I was notified by XXXX XXXX that Carrington Mortgage would not send the payoff amount for 30 days. I attempted to make my XX/XX/XXXX payment on XX/XX/XXXX to avoid being late. I was n't notified by Carrington until XX/XX/XXXX that my payment had not been received. So I tried again, using a different bank account, to make my XX/XX/XXXX payment over the phone to avoid being late. Again Carrington stated they were not able to process my payment. I requested the information from Carrington today XX/XX/XXXX to send me the information I input into carrington automated system. Carrington is stating that I must have said or entered the wrong information into the automated system. I remember vividly having my checks in front of me as I typed or stated my account number. I have pleaded with Carrington endlessly to remove the late payment off my credit report and they refuse. I asked for the once a year late payment be removed and they said no. I believe Carrington did n't report the information fairly. If I had been notified immediately the check was n't processed in a timely manner I would have paid it again. It surely does n't appear to be fair to me the consumer because they have an out dated automated system. When I finished paying my payment I received a conformation number stating payment was received. If the automated system could n't find my bank because of bad routing number or a bad bank account it should n't have sent me a confirmation notice stating my payment was received. Most automated systems wont allow you to put in incorrect information and send you a confirmation rely stating they received the funds, when they didnt.
05/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44146
Web
I have been having the biggest issue with Carrington Mortgage. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to Carrington Mortgage. Carrington Mortgage charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. Carrington was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. Carrington mortgage keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.
09/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 64130
Web
On XXXX XXXX XXXX, Carrington Mortgage reported a 30 day late on my XXXX report. I could only make payments by phone or mail due to the status they have on my account. I also have no online access, as I do others, due to me getting off after they close because of this status. I called and spoke with XXXXXXXX XXXX XXXXXXXX. I was confused on what the payment should be due to all of the different statements stating credits then the amounts were all different. She took a regular payment from me and stated this payment would not effect my credit due to she saw what I stated as well as my reporting is being SUPPRESSED due to they had not finalized my account from Bankruptcy status. The next day I got an alert after making this payment and they reported 30 days late. I called back and spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they both ASSURED me they were NOT reporting due to it being SUPPRESSED! One Gentleman gave me a research team fax number so they could look into this. I faxed and received a letter dated XXXX stating its would take 30 days!. They also reported that my account was being sold and this is not true. I decided not to go through with the refinance but yet they reported after the fact. My insurance was not paid from escrow and was cancelled due to their negligence of my account. The payment to my insurance company was rejected because the account showed it was being sold. This company also told me they were still working on a dispute I put in the month of XXXX when I called in the month of XXXX. This company has caused me stress and frustration, a lapse of insurance, a loss of XXXX XXXX, and my commercial purchase has been affected with their derogatory reporting and improper handling of my account. I have also filed a XXXX XXXX XXXX complaint and they have yet to respond. ( Several complaints discovered there with the same issue )
03/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 152XX
Web
During the COVID-19 Pandemic, I got behind on my mortgage helping take care of elder family members and other family members due to the pandemic. I applied and received a forbearance of my mortgage payments under the CARES-ACT. At the end of the forbearance, I spoke with the representative of Carrington Mortgage about the different options of repayment. She explained the options, while I looked at it online and completed the forms via over the phone. When the papers came in the mail, the papers were different from what was discussed on the phone. The papers detailed the plan of repayment, but a lump sum was due to be paid after the loan term ended. When it was explained and discussed over the phone, the missed payments were supposed to be put at the back ended of the loan and I would just continue my current monthly payment. So, I called Carrington Mortgage to get this straightened out. A supervisor or case manager was suppose to call me, but never called. I called Carrington Mortgage to speak with them since no one called me back. At that point, after waiting for someone to get back to me, I was told that option is no longer available. So then, after discussing options again and waiting for more paperwork to come in, they presented me with my plan. This time, they reduced my payment, but again a lump sum is due at the end of my loan term. If I had an extra XXXX I wouldn't have needed the forbearance to begin with. Prior to the pandemic, I never missed a payment or was late with a payment. Carrington Mortgage is not trying to work to resolved this matter. I can continue my original payments without a problem. I just would like my missed payments tacked back onto the back end of my loan instead of Lump sum being due at the end of my loan. This plan puts a second mortgage on my credit report and hurts my credit score. This plan hurts me all the way around.
06/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30087
Web
Please see attachments. Reference : XXXX XXXX Acct # XXXX XX/XX/2022 Late Charges To Whom This May Concern : I was accessed a late fee of {$42.00} for my XX/XX/2022 mortgage payment. Ever since Carrington began servicing my home loan, I have paid my monthly mortgage via my bank Bill Pay feature ( see attached ). Both XX/XX/XXXX and XXXX fell on a weekend, outside banking business days ; XX/XX/XXXX was a Saturday and XX/XX/XXXX was a Sunday. Per my XX/XX/2022 statement Carrington stated Late charge full payment not received by XX/XX/2022 which was a Sunday. Neither Carrington nor my bank, XXXX, does business on a Sunday ; business days are Monday Friday. Furthermore, I made my online payment via my bank Bill Pay prior to XX/XX/XXXX. This never happened to me when I was with XXXX Mortgage for over 11 years. In addition, I found the below regarding mortgage payments when the due date falls on the weekend or on a federal holiday. All payments are effective dated for the scheduled date of the draft. For example, if you schedule a payment for the XXXX and the XXXX falls on a weekend or holiday the payment will be withdrawn the next business day. The payment will be effective dated back to the XXXX and a late fee will not be charged. If an online payment is scheduled on a weekend or bank holiday, the payment will be withdrawn on the next business day. All payments are effective dated for the scheduled date of the draft. For example, if you schedule a payment for the XXXX and the XXXX falls on a weekend or holiday the payment will be withdrawn the next business day. The payment will be effective dated back to the XXXX and a late fee will not be charged. Please explain why I was charged a late fee because my payment wasnt received by Sunday XX/XX/XXXX. I do not understand. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # XXXX
04/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27292
Web
The property was financed with XXXX XXXX with life insurance on the loan by myself and another person in approx XX/XX/XXXX. All payments were current, none were late or missed as they were drafted from my account. The property burned completely with XXXX XXXX XXXX in XX/XX/XXXX, but payments were still made until the investigation and insurance was complete. In XX/XX/XXXX drafts stopped being taken out of my account. I contacted XXXX XXXX and was informed my mortgage had been sold to Carrington mortgage without Carringtons knowledge of the loss. I was never notified by either company about a sale. I inquired about this and they said a letter was sent to an address that has not been connected to me in more than three years. XXXX XXXX has my current address as I received several items of mail from them, sent proof of XXXX and XXXX XXXX. I have tried for more than a year to get a copy of the original contract from Carrington as well as XXXX as my copy was burned in the fire. I had an attorney attempt to get the mortgage as well due to life insurance being on the loan, but to no avail. I am trying to close the estate of the person who was the co-mortgage holder that XXXX in the fire. I have tried for some time with Carrington to get a payoff, I was told over the phone the amount was XXXX XXXX XXXX XXXX and some odd cents, they assure me they will email it, but nothing. I want the email so I have written proof of how much I owe as I am afraid the amount will suddenly turn into the entire insurance amount with hidden fees and charges. The insurance company tried for one month to get proof of mortgage ownership from Carrington. I have a check from the insurance company for XXXX XXXX XXXX dollars and simply want this behind me. I have dealt with XXXX and now Carrington for more than a year being given the runaround. I feel as if I have no where to turn.
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 91913
Web Servicemember
Carrington Mortgage LLC is my mortgage company. My monthly payment was set up from my XXXX Checking account in the amount of {$2900.00} on the first of every month. Carrington conducted an escrow analysis in XX/XX/2023. XXXX XXXX XXXX had adjusted the property tax rate which changed my mortgage, and Carrington determined I owed an additional {$37.00} a month, changing my mortgage to {$2900.00}. I wasn't effectively made aware of the change. The {$2900.00} autopay was deducted from my acct in XX/XX/2023 and not returned. So the {$2900.00} was in the possession of Carrington Mortgage, minus the {$37.00} to make my account current. And there was nothing to alert me that I owed them the difference. This same scenario happened in the month of XXXX while I was on travel. I reviewed my mortgage statement online and saw that I owed them the difference of {$37.00}, and paid them from my XXXX checking acct to make the acct current, and then adjusted my XXXX XXXX XXXX to reflect the {$2900.00} as the new payment going into XX/XX/2023. They failed to give me credit for that adjustment in XX/XX/2023, and held my account in suspense and then forwarded a written letter to me that I didn't recieve until XX/XX/XXXX when I returned home from travel. My comprehensive review of my mortgage payment history never reflected a late payment, and there are accounting errors that don't add up between the .pdf statements and the .pdf summary. in XX/XX/2023, without any warning or attempt to recover the {$78.00} I owed to make the acct current, they reported my to the credit bureau. My XXXX credit score was reduced to a mid XXXX score effecting my life, my businesses, and my ability to take care of my family. Further confusing the situation. My amended XX/XX/2023 payment shows me owing Carrington {$180.00}, which isn't accurate. I will {$2900.00} on XX/XX/XXXX.
11/28/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 21921
Web
I am filing this complaint on behalf of the Homeowners, I have been assisting them since XX/XX/XXXX with their FHA Mortgage loan being serviced by Carrington. The couple fell behind with their mortgage initially due to XXXX and was offered and accepted a modification in XXXX XXXX. However, due to ongoing financial hardship they fell behind again and reached out to me for assistance with their XXXX XXXX application as they had received a denial from XXXX XXXX. I assisted with an appeal to XXXX XXXX, they had misread one of the homeowner 's pay stubs. The appeal was approved and the application has been able to move forward. XX/XX/XXXX : Carrington Mortgage was informed of the XXXX XXXX application and requested a stall in any foreclosure action. XX/XX/XXXX Carrington Mortgage was contacted for follow up as homeowner received a letter from XXXX XXXX XXXX ( attached ). XXXX XXXX sent a request to Carrington Mortgage through the portal for an " I '' report on XX/XX/XXXX according to homeowner and confirmed verbally by XXXX XXXX on XX/XX/XXXX. Housing Counselor has made several calls to Carrington Mortgage to encourage providing the requested information. On XX/XX/XXXX Housing Counselor was informed by Carrington that they received the request from XXXX XXXX on XX/XX/XXXX ( not the dates XX/XX/XXXX as stated by XXXX XXXX ) XX/XX/XXXX : Housing Counselor spoke with homeowner stating a package was attempted to be delivered today from XXXX XXXX XXXX but her XXXX XXXX was not able to sign for. Assumes it is XXXX action. XXXX XXXX reviewed, states XXXX XXXX filed XX/XX/XXXX. ( attached ) Conference call made to Carrington Mortgage, customer service rep confirmed XXXX action and stated to call back weekly. Call was made to XXXX XXXX, customer service rep stated they are still waiting for information requested to be provided by XXXX XXXX.
10/08/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34714
Web
Our mortgage loan has been perpetually 2 months behind for a year while being serviced by XXXX. While obviously not ideal, we have been paying a full month each month. We received notice from XXXX last month that our mortgage has been sold to Carrington mortgage services and this is where our trouble started. It is now XXXX XXXX with no payment info, no mortgage number, no communications from Carrington. So we called to make our payment and the rep refused to take our payment if we didnt pay at least 2 months immediately. Refused to connect us with a supervisor claiming his supervisor was too busy so my husband left a message with no reply. I felt this had to be illegal and so I looked up this company. They are apprently scam artists and I am unclear why they are allowed to continue doing business in America. I am not willing to allow some scam company to foreclose on my home because they thought they bought a mortgage ready to be foreclosed on. The rep claims our mortgage states that we are required to always be current because it is an FHA loan, which is the most ridiculous statement ever. Of course you are supposed to pay on time but when you lose the only household income and have no income for nearly 2 months, catching up is newrly impossible. XXXX was understanding and happy to collect the month payment we were able to make every month. Our loan doesnt qualify for modification as it is only 2 years old. So all the financial hardship options are unavailable to us. I am unclear why this company would be set on foreclosing a home where the owners are trying to pay them and why they would be forcing a home into foreclosure when they literally just purchased it. If they dont want to service the loan they never should have bought it. Looking up their record, it obvious there has been no consumer protection agency taking action against them.
01/18/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 318XX
Web
We have taken over my mother in laws mortgage when he past away. We received numerus notices that she was behind on her mortgage and foreclosure was starting. However the statements would say her payment was received late but not missed. According to her bank statement payments were sent soon enough but not posted until the XX/XX/XXXX so a late fee could be put on account. since then they have done the same to us. If we pay total amount due the following month we will notice that fees are applied but not sure for what. They have charged fees ( $ 80- {$100.00} ) saying people are checking on the property to see if anyone is living there. The math on the statements and late notices do not add up correct. ( example ; mortgage payment of {$720.00} was not received if not received by XX/XX/XXXX a late fee of {$27.00} will be assessed and total due is {$920.00} ) or same but with a ( mortgage payment of {$690.00} with late fee of {$0.00} with new payment of {$750.00}. ) late fees seem to not be consistent month to month and applied whenever they want. XX/XX/XXXX Statement does not match tax statement sent out. When I have called to try to talk to them and read their letters or point out an error I get cussed at, put on hold for a long time then when they get back on the phone they want to transfer me then hang up. When payments are made over total amount due over payment is not applied to account and when we call and ask they tell us they can apply money where they need to. These are just a few issues we are having. I have asked where to send the paperwork to for review and was told if the have time they might look at it or I can drive to the office and sit and wait for someone. No office is around us we live in Georgia ( this has been going on for several years ) This company is rude and is stealing money from people and you can not work with them.
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 144XX
Web
I have submitted this letter below to Carrington Mortgage as well as XXXX, XXXX, XXXX. Carrington responds with everything is correct with being 30 days late. I talked to a representative at Carrington, explaining the situation. Which they were closed on the last day I could pay within 30 days because it was after XXXX and I needed a 4 digit pin code to pay with XXXX XXXX. I never received an email from them only a letter dated XX/XX/. They said they cant change it and they legally have to report me. I think its unfair that they have the last say and couldnt understand where I was coming from in this situation. I even send them a credit report of how I have never missed or been late for an appointment. Reference # XXXX To whom it may concern ; I am writing in regards to a late payment that is reflected on my credit. This late payment was a result of a cascade of events unbeknownst to me. The original payment was made through an auto payment that is scheduled biweekly. On XX/XX/XXXX the payment was credited back to my account. I received a letter from Carrington on XX/XX/XXXX and did not receive the letter until XX/XX/XXXX due to being out of town due to a work obligation. I attempted to schedule a payment immediately but was unable to due to this service being unavailable. I contacted Carrington on the next business day ( XXXX XXXX XXXX ) to schedule a payment. During this phone call I was directed to send payment via XXXX XXXX, money order or XXXX XXXX. I would like a full review of my credit report and reconsideration of this late payment. My credit history is notable for a long standing 18 year account with no missed payments, among other notable histories. This late payment is very harmful to my credit report and would ask if there would be consideration for a one time removal of this late payment. I appreciate your consideration.
04/04/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • UT
  • 84095
Web
We have continued issues with CARRINGTON MORTGAGE SERVICES , LLC They hold funds, charge a late fee then take months to fix the issue they created. This is the second formal complaint we are filing, the previous complaint number is XXXX At the time of writing this complaint, my payments are 2 months ahead of what is due. Typically I pay my mortgage a week early using auto-pay as shown in the attached payment history. I have done this in an attempt to avoid further dealings with CARRINGTON MORTGAGE SERVICES , LLC The issue... I was called after a late charge was assessed and told that I was behind in my payments. I immediately paid what they asked for then asked them to fix the issue and reverse the late charge. I was actually paid ahead and because they were not able to apply the funds accurately they left them in unapplied funds or automatically applied them as extra principal payments. I called on multiple occasions and ask them to fix the application of funds. Each time I asked them to explain the terms used in the payment history and how to avoid the issue in the future. Each time they were unable to define the terms and asked that I call back in a few days to check if the issue was corrected. Issues with CARRINGTON MORTGAGE SERVICES , LLC - they are a collections company not a mortgage payment processing company and treat customers poorly as if they are expecting the customer to dodge them and not pay. - they are not able to accurately and efficiently apply payments to the account, nor are they able to explain their own payment history decisions or terms - their policies force you to call them many times to fix an issue they created- I have spent many many hours dealing with CARRINGTON MORTGAGE SERVICES , LLC even though I am on autopay and pay in advance. - I consider this company as a scam and am sad they have my mortgage
02/19/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • OK
  • 740XX
Web
Carrington Mortgage has not made any attempt to help us save our home from foreclosure I did fall behind on my mortgage, but I was unaware that the payments were delinquent, since my daughter was suppose to make the payments. Only when we were in foreclosure did we realize that our home mortgage was delinquent. As soon as we were aware of the delinquency we contacted Carrington Mortgage, but all they said was that we were in foreclosure and we needed to pay the entire past due amount. This was impossible and they never offered any other solution. As it turns out, if they would have offered us the opportunity to begin a loam modification process, we would be able to save our home. We now have a foreclosure sale date scheduled for XX/XX/2019 and we are afraid our home will just be lost through the sale. We moved out of our home to take care of XXXX brother who needed constant care. My daughter stayed in our home and was making the payments since she had a great job. However, she lost her job and got hurt, but didnt let me know she had financial difficulties and was behind on the mortgage. If we had known of the delinquency, we would have stepped up and made the payments. However, now that we are in foreclosure, we do not have all the money up front. We tried to work things out with Carrington, but we were given the cold shoulder. There was no discussion about applying for assistance and we felt that there was nothing we could do. We have never refinanced or had our loan modified and just want the chance to keep our home for our retirement. We want a chance to properly have our loan reviewed based on our current financial and see that our loan qualifies for relief options. We are stable financially and can afford our house payment, but had access to programs that would save our home. I am appealing to your agency to help us keep our home.
10/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33470
Web
On XX/XX/2021 I submitted a loss mitigation application. Carrington Mortgage made several requests for documents of which I have complied with all. The final request was on XX/XX/XXXX. On XX/XX/XXXX I recveived correspondence that all required documents had been received and a decision regarding my request would be sent within 30 days. On XX/XX/XXXX, Carrington made three additional requests : That I provide the following : 1. Borrower Proof of Occupancy ( displaying my name and address on a Utility bill/cable bill ) 2. A corrected Profit and Loss Statement to remove tenant income/rent 3. A copy of my lease agreement. These documents were sent in response to the request. On XXXX XXXX, I received correspondence from Carrington suggesting that my file was incomplete. I called the Mortgage company to inquire as to what was missing and was advised that the the 3 items above were not submitted. After speaking with the representative, she confirmed that Carrington was in receipt of the requested documents. I requested that I received confirmation reqarding the same and was assured that all the requested documents had been received. On XX/XX/2021, Carrington Mortgage sent correspondence indicating that myt mortgage assistance application had been cancelled because they had not received all the documents to complete my review. I called and disputed this and requested that my application be reopened. I was advised that I could send a request that it be done and resubmitted all my prior documents and emails. In response to my request, Carrington mortgage insists that the documents have not met the minimum requirements for a Loss Mitigation Application and to submit a new application. Carrington Mortgage is engaging in unfair trade business practices by suggesting that the documents are not sufficient when I have complied with every request.
02/22/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 93552
Web
The situation began when my mother, XXXX XXXX ( now deceased ) took out a loan on the property under XXXX XXXX XXXX XXXX. I ( XXXX XXXX ) was listed on the original loan as well as the deed to the property. As of XX/XX/XXXX, my mom received a letter stamped Paid and a copy of the deed. When XXXX XXXX assumed the loan, the terms were rewritten, eliminating me from the loan, but retaining me on the deed. After my mom pass away, I tried to have the loan/deed of recordation straightened out to reflect rightful ownership ; however, XXXX XXXX refused my request and told me I would never get the loan refinance into my name to just keep paying on the XXXX XXXX XXXX XXXX loan. The XXXX XXXX XXXX document was in the amount of {$64000.00} on XXXX XXXX with an interest rate of 13.81 % amount of {$820.00} a month for 20yrs and the maturity being XX/XX/XXXX. The Mortgage payment history statement show the interest begins XX/XX/XXXX, and loan amount of {$67000.00}. Maturity date XX/XX/XXXX. I ask for some assistance on reading the loan documents and no one could tell me what was happening, so I continue to pay. We were behind on the notes in XXXX amount of XXXX which I filed bankruptcy in XXXX. And every payment was caught up and the mortgage was being paid every month until the Maturity date arrived. XX/XX/XXXX I ask for a payoff balance from Carrington and they loan amount was {$38000.00} and if not received after XX/XX/XXXX it will require a XXXX interest per day. I contacted an attorney due to the loan is not in my name. I was not happy with this request paying for 20 yrs. on a XXXX and nothing went to principal. Is this legal? I paid in good faith to the best of my knowledge. Now they are starting foreclosure on my property. Persons should not have to lose properties and/or their mind due to the unlawful, unethical conduct of this Lender.
05/08/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60560
Web
I have been more than proactive in discussing options for my mortgage with the company. I was advised several times that my loan was placed into a forbearance for 90 days and after the period is up i would need to " resume payments '' I specifically asked if I would need to pay the back payments at once after the 90 days because that's not something that I could do and they said absolutely not they wouldn't do something like that. I received the letter in the mail confirming my agreement and nowhere in there does it say i need to pay the amount for the 90 days all at once either and now i get a statement in the mail saying my past due amount. I called the mortgage company and they now say once my forbearance is over i need to pay all 90 days worth of payments to avoid being behind. At no point did they mention this to be before. They said the " loss mitigation department '' will reach out to me and either see if they can extend the forbearance, offer some sort of payment plan or tell me its all due. I told them i dont wan na wait another month I need repayment options now but they are refusing to offer me any options other that pay the last 90 days of payments in XXXX. I am trying to be proactive in all of this by working out an agreement so it doesnt go delinquent but they have no plan right now, I have an FHA loan and the CARES act states they should work with me but they are not working with me. I would like to resume payments now but i don't want to pay anything until I know what is going to happen. I asked about deferment and they said this plan isnt a deferment its a forbearance but nowhere does it say that it needs to all be paid back at the end. I really just want them to defer the last 2 months to the end and resume as normal but " nobody knows the options that will be available next month '' so they arent working with me.
01/03/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MN
  • 563XX
Web Older American, Servicemember
In XX/XX/2022 Carrington Mortgage took over my mortgage. Never sent a certified or registered letter stating what was going on. 1. There were able to take payments over the phone. But unwilling to help me set up direct payments. 2. Instead sent me to a prerecorded message saying we're not able to help you right now. Due to overwhelming calls right now. Please call back later. No number to call back with. I think 4 times I went through this. My son had stopped by just after I made XXXX payment an found there site for direct payments..I filled it out. An it said direct payments are now set up. 3. They tried to say I never set up direct payments. 4. But though this site an the XXXX They been unwilling to answer how I know the last question in the sign up site. That being. Your payments will never go up. Unless your insurance or taxes go up. How would I know this if I didn't sign up. 5. They say they sent a home inspector to visit the house. But no one around me including me ever seen anyone here. Nor have they sent documents that show it happened.. I'm willing to pay all that I owe. But not willing to pay their interest fees or late fees or inspection fees. An I will not pay unless this is meant an no report to the credit bureaus. 6. Even though they would take payments by phone they were unwilling to help me sign up for direct payments. 7 their no concern for elderly or the XXXX veteran. I belie ve they should be removed from handling any more va loans. 8 if this isn't settled by XXXX of XXXX. I will be asking courts to reimburse me for pain and suffering. Lost of sleep and XXXX XXXX. From worrying about this. An which I believe started my health problems. That being. Tested for XXXX the last 5 weeks now. 9. On XX/XX/XXXX I will also refer this to the Minnesota attorney General office. Thank you XXXX XXXX XXXX
10/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CO
  • 80301
Web
We have been requesting to remove the Mortgage Insurance Premium on this account which was sold by Bank XXXX XXXX XXXX XXXX Mortgage in XXXX. On XXXX XXXX, XXXX, we were denied this request, as XXXX Mortgage said our mortgage balance needed to be {$330000.00}. On XXXX XXXX, XXXX, we made a {$9500.00} payment to the principle amount to meet this requirement and XXXX erroneously applied the amount to monthly payments and escrow accounts. On XXXX XXXX, we requested this to be corrected. Called again on XXXX XXXX, they said it would be corrected by XXXX XXXX. Called on XXXX XXXX, they said our request for correction applying {$9500.00} to principle was denied and they would send it again for it to be corrected in XXXX - XXXX hours. It was finally corrected XXXX month after they mis-applied the funds. We requested once again for the mortgage insurance premium to be removed ... .and on XXXX XXXX, XXXX, we got a letter saying that the MIP was cancelled on XXXX. The final premium was disbursed on XXXX XXXX, XXXX. The monthly mortgage payment will be adjusted. A revised billing statement will be sent. XXXX XXXX - I called XXXX to get the revised payment amount and they did not show any change. They said I had to fill out a request to get this updated with the escrow analysis. It would take 14 days to hear back from them. XXXX XXXX - I called carrington again, and they have no record of my request last week to perform the escrow analysis. Now I am being told that it takes 60 days to perform an escrow analysis. I am required to keep paying the MIP until then. They claim anything being overpaid will be refunded, but I am not confident in their integrity as they have changed their story on me every single time I 've called and interacted with them. This company feels fraudulent and I feel like I have no recourse. Please help! thank you
06/12/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91206
Web
Hello, The Borrower has been approved for a short sale which was scheduled to close on XXXX . During a review of the preliminary title report, there were liens on the property which the Borrower believed to have been dismissed in a bankruptcy which the Borrower filed in XXXX .

Upon further investigation, even though the money owned on the liens were in fact dismissed by the Court, since the liens had been filed prior to the Borrower 's bankruptcy, the liens remained on title. Thus, the Borrower was not able to produce a c lean title and consummate the close of escrow by XXXX .

In order for the Borrower 's to produce a clean title, they hired an attorney to re-open their bankruptcy case and file a Motion to Remove the Liens. The Court granted the motions on XXXX ; however, the Bankruptcy was only closed on XXXX . During the period of the Bankruptcy, the Buyer 's lender was not able to process his loan because the property was still under Bankruptcy protection. Thus, the Buyer 's lender asked for an extension to XXXX in order to allow them adequate time to process th e Buyer 's loan. The lender has scheduled a Trustee Sale on XXXX ; however, they declined the Borrower 's request for the extension.

My broker, escrow, title, the Buyer 's lender, the HOA have al l put our best efforts to close as scheduled ; however, there have been unpredictable circumstances beyond our control that have preventing us from doing so. The parties have actied in good faith and the delay in closing in not a result of any willful neglect or negligence.

Thus, the Borrower hereby requests that his request for extension be granted so that he can conclude the short sale. Considering all the facts that have prevented him from closing sooner, we are confident that we can close the transaction before the sale date of XXXX .

11/01/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 91350
Web Servicemember
Hi! I have a mortgage with Carrington Mortgage on XX/XX/2018 I set up automatic payment arrangements to catch my mortgage up, because I missed my XX/XX/XXXX Payment due to being off work for a medical emergency without pay. These payments were scheduled to come out automatically on XX/XX/XXXX, XX/XX/XXXX and then I would have to call in for the XXXX payment. The payments came out as suppose to for XX/XX/XXXX, however the XX/XX/XXXX payment did not come out on XX/XX/XXXX so on XX/XX/XXXX when I realized it didn't come out I went into the payment portal and made the payment online myself. Well on XX/XX/XXXX, Carrington tried to process that payment as well as the one originally scheduled which caused my bank account to go into overdraft for one of the payments and it was returned. The payment that was automatically scheduled was paid with funds in my wells fargo account that day. That amount was XXXX. I found out in XX/XX/XXXX, that Carrington is now saying they received no payment in XX/XX/XXXX, and that it was returned. This is not the case. Only the payment that I tried to make when the original payment they were suppose to pull didn't come out on time. The payment that Carrington automatically deducted did come out and I have a bank statement showing that deduction. I have contacted Carrington numerous times about this payment and have told them and explained what happened, and I was given a fax number for their research and investigation department. I sent them a letter explaining what happened and a copy of my XX/XX/XXXX bank ledger directly from the bank. As of today XX/XX/2018 they are still saying they have no record of that payment at the mortgage company and that it is being researched. I am making a payment today, but because of this it is still showing me one payment behind which is not true. Thank you for your help.
12/21/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30044
Web
I received a notice dated XX/XX/2016 from XXXX notifying that they made a claim for payment on the FHA mortgage insurance. The notice also stated that FHA sold my mortgage loan to XXXX and that Carrington Mortgage Services, LLC ( " CMS '' ). The notice further stated that as a result of the assignment of my mortgage to HUD, the payment by FHA of the FHA mortgage insurance claim and the [ mortgage insurance ] was terminated and not further premiums are due by me. I have been experiencing financial hardship so on XX/XX/2016, I completed the CMS 's Request for Mortgage Assistance ( RAM ) package seeking to modify my current mortgage loan. On or about XX/XX/2016, I received a Trial Period Plan Agreement letter dated XX/XX/2016 ( " TTP Letter '' ), whereby the following modification was offered : TTP Schedule TTP Amount Due Date Good Faith Payment {$10000.00} XX/XX/2016 1st Trial Payment {$2100.00} XX/XX/2016 2nd Trial Payment {$2100.00} XX/XX/2016 3rd Trial Payment {$2100.00} XX/XX/2016 The TTP Letter further states that once the Trial Period Plan begins, if I do not meet the terms of this Plan and your are not eligible for any other loss mitigation option, CMS may, without further notice to me, terminate the Plan and commence or continue collection and/or foreclosure proceeding according to the terms of my Note and Security Instrument. On or about XX/XX/2016, I have received a Notice of Intent To Foreclose dated XX/XX/2016 if I did not pay {$160.00}, XXXX. The Good Faith Payment in the amount of {$10000.00} is tantamount to a down payment in order to get a loan modification. CMS knowingly and purposely offered a trial period plan that failed to modify my monthly mortgage loan payment to an affordable amount in order to avoid foreclosure and is demanding that I pay down payment of {$10000.00}, which I clearly can not afford.
03/25/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29649
Web
Carrington bought my mortgage from XXXX in XXXX, and I have called them at least 10 times at about 15 minutes per call, sent XXXX faxes, and contacted them through USPS. 1. I was told it would be 60 days before it would be reported to credit agencies, but it took 120 days. This negatively impacted my credit score. 2. My monthly payment increased by {$40.00} because Carrington decided that two months ' mortgage - instead of the usual XXXX - is now required for escrow. 3. I was charged {$15.00} for an unauthorized appraisal. 4. Although I canceled my auto draft the week before the due date and paid my mortgage online for XXXX, my auto draft bank account was still charged ; additionally, I was penalized with a {$30.00} non-sufficient funds fee. I was told that my new auto draft account would be active in XXXX, but the old ( now closed ) account was charged on XXXX XXXX, and yet another {$30.00} NSF fee was accrued to my payment. 5. As a result, I can no longer use the auto-draft, online payment, or pay by phone features because of these careless oversights. 6. I received a paper statement in the mail saying that I owed {$36.00} by XXXX XXXX, so I sent payment with the coupon - only to have it returned and certified funds requested. My paper statement for XXXX says I owe {$830.00}. 7. Over the phone, the automated system says both that payment was processed on XXXX XXXX and that I owe {$800.00} for XXXX. XXXX. On the website, it claims payment was received on XXXX XXXX, that my next payment of {$880.00} is due on XXXX, and I am now being charged a late fee without sufficient notice to submit my funds in a timely manner. 9. I am now required to send my mortgage via certified funds for the next six months. 10. When contacting Carrington, the automated system names the company as a debt collections agency, NOT as a mortgage company
05/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44146
Web
I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX. XXXX XXXX charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.
07/08/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CO
  • 80013
Web
I authorized a Post -dated check to run on XXXX/XXXX/15 for {$940.00} using my savings account. I noticed that this payment never was processed thru my bank account. I was told by my bank that if the account is coded checking account and not saving account that the payment will not process. So the payment of {$940.00} was not coded savings. So since I did n't see the payment go thru, I transferred the money from my savings account to my checking account and did a payment via your website for {$920.00} on XXXX/XXXX/15 confirmation # XXXX that is the amount your website was showing was due. I just received a letter dated XXXX/XXXX/15 stating that the payment I originally gave for {$940.00} dated XXXX was returned. That is incorrect. That payment was made on XXXX/XXXX/15. This was clearly a coding issue not me not being able to make the payment. You have now reported my being 30 days past due. The payment was scheduled on the XXXX day which my credit report should n't have been hit with a 30 day late. I filed a dispute with the mortgage company who said that they will not remove the 30 day because I would have to replace the payment in the same month. This was a coding issue, and the payment was made on the XXXX. I had no knowledge that this was going to happen. How could I have replaced it. I have also attached a letter from my Bank stating the fact. Also Carrington has n't updated my credit report since XXXX and this is affecting my credit rating. I have attached my credit report as well. Also they have stated in there letter that " If a payment is reversed for non sufficient funds ( NFS ) and the replacement is not made in the month that the payment was due, the payment may be reported negativity. I do n't show that anywhere or have I ever in my years in banking known that the payment has to be made in the same month.
04/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • MA
  • 01876
Web
On XX/XX/19 I requested a payoff from my Mortgage Company, ( Carrington Mortgage ). At this time, I had not yet paid the month of XXXX. I noticed that the interest amount noted on the statement also included the month of XXXX totaling {$1900.00}. I also noticed a {$42.00} late fee which, per Carrington does not get accessed until the XXXX of each month. I called to speak with a Carrington representative and they told me to that I would have to pay the values shown or the payoff would not be accepted from my new Mortgage Company. They also stated that any the additional overpayment would be refunded to me once the loan was paid off. I paid the month of XXXX so as to be up to date and requested an updated Pay off. on XX/XX/19, I received a revised Payoff statement which no longer calculated a late fee but it is still holding {$980.00} for the month of XXXX. There are no recording fees or other fees noted on the last payoff statement. The mortgage was satisfied in full on XX/XX/19. I had a pending escrow balance to be returned to me in the amount of {$1200.00} as well as the {$980.00} advance interest payment for XXXX. The mortgage note in XXXX was no longer held by Carrington and was paid in full on XX/XX/19. After several attempts of attempting to reach Carrington and getting no response, I did receive the escrow check for {$1100.00}. They short paid {$91.00} with no explanation and to date they have not returned the overpayment in the interest for XXXX. I have attached copies of both pay off requests. A copy of a statement reflecting the escrow balance as {$120000.00} after my XXXX payment as well as confirmation of the loan payoff to Carrington on XX/XX/19 and the check copy for the escrow funds. Please help me get this resolved and the remaining balance of my overpayment returned to me. Thank you, XXXX XXXX
11/17/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77502
Web
XXXX XXXX, 2015TO WHOM IT MAY CONCERN : Unfortunately this all was started due to health issues. We have been paying on our mortgage numerous years and have come to the end and I got sick. Most of my expensive medical bills were due XXXX during a year and half year span. These XXXX had to be paid cash up front due to the fact that I had and have no medical dental insurance. Each XXXX cost from {$1500.00} to {$1800.00}. This year I was in and out XXXX. The last time being XXXX 2015. I was in there 4 nights. I have medical records to prove all this. I had to pay {$330.00} for XXXX pills among other XXXX fees XXXX XXXX XXXX. We have made several attempts to pay off our mortgage to no avail. I have called in numerous time and repeated the same story to numerous representives., again to no avail. Every time the payoff amounts go up some go down??? All we want is our clear house title. We have paid well over double if not triple the first payoff statement amount and paid additional amounts as well. XXXX the times I made a payment off statement was in XXXX thru XXXX XXXX and than about 5 days later we received a letter from XXXX XXXX saying our monies were there and that we needed to go and pick it up. No reason was given as to why Carrington return our payoff amount?? I have sent in copies of some of the payoff amounts letters form Carrington and also sent in some of the amounts of where we have sent in the monies being charged to us. We have also included an example of proof of insurance where Carrington billed us for coverage when we had it. This also happened numerous times. My Insurance agent has all the faxes they sent Carrington to prove that we were covered and not only faxes but also actual phone conversations with Carrington., not just once but several different times. Again all we want is our clear title.
03/18/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27265
Web
XXXX sold loan to Carrington Mortgage Service, LLC on XX/XX/2016 -- -- XXXX last statement to me was dated XX/XX/2016 which listed my XX/XX/XXXX Payment. I had to contacted them about my XX/XX/XXXX and XX/XX/XXXX Payment which were never generated on a statement which I thought was a banking requirement. They were eventually able to give me my balance after I complained. I believe XXXX should have been required to give out a statement with the Balance Amount at the time of the transfer of both Principle and Escrow. ISSUES with -- -Carrington Mortgage Services , LLC . My problem is with making PRINCIPLE ONLY PAYMENT. Their online payment system only allows additional principle payment in conjunction with full monthly mortgage payments. They have an Other Amount option but have gives you know way to identify where or how you want that Other Amount of money will be applied ( additional Escrow, Principle or Monthly Payment ). I believe I 've found a work around with the online system that may work but why do I have to work this hard to make PRINCIPLE ONLY payments!!!! I have several payment that were not process correctly. The time frame for the correction was stated as 20 BUSINESS DAY which is a full month to get funds removed from regular payments to PRINCIPLE ONLY payments. I was later told the processing time is only 3 to 5 BUSINESS DAY, however that has not been the time frame for my two prior issue with the payments. I have issue making my principle only payment online and with a real representative by phone. I 'm not received any paperwork on any of the PRINCIPLE ONLY issues or correction of those issues. I would think correspondence would be required by law. My complaint main is that PRINCIPLE ONLY OPTION should be required to be easily available to facilitate early loan payoffs and debt reduction.
06/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28262
Web
On XX/XX/XXXX I received a letter from Carrington Mortgage stating they are intending to start the foreclosure process, They are stating they have not received the XX/XX/XXXX and XX/XX/XXXX payment. On XX/XX/XXXX I purchased cashier check serial number XXXX in the amount of {$750.00} and mailed it to Carrington Mortgage. On XX/XX/XXXX I received a letter from Carrington Mortgage stating they did not receive a physical check for the loan but they included a copy of the front and back of the cashier 's check ( listed above and that it had been processed. They also included a copy of a ledger and offical check from XXXX XXXX XXXX dated XX/XX/XXXX in the amount of {$1100.00} regarding a XXXX XXXX loan number XXXX. The ledger showed both payments listed above. I responded with a letter dated XX/XX/XXXX regarding the above and copies of the above documents and the cashier 's check dated XX/XX/XXXX. I received a letter on XX/XX/XXXX from Carrington Mortgage stating The Loan Administration Support Department was investigating this situation and would give me a response on or before XX/XX/XXXX. On XX/XX/XXXX I purchased a cashier 's check serial number XXXX in the amount of {$750.00} and mailed it to Carrington Mortgage. I included the documentation from XX/XX/XXXX along with the letter dated XX/XX/XXXX and a copy of the LATE charge I was charged for the XXXX payment that wasn't properly applied to my account. I contacted my bank today and verified that the XXXX payment was processed and cleared from my bank account, The XXXX payment had not been processed yet. I would like for Carrington Mortgage to process the payments and remove the late fees to the account. The Mortgage Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX Loan Company XXXX Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX, IN XXXX
12/04/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MD
  • 21701
Web Servicemember
Due to the pandemic, I lost my job back in XX/XX/2021. I made my payments on time until the beginning of XX/XX/2021. XXXX Mortgage stated that per the law, I could only get 90 days of forbearance and that they would put me on a payment plan to repay the money after the 90 days but the amount would be doubled so that I wouldn't fall behind equating to almost $ XXXX from XX/XX/2021. But I didn't realize that would come with everyday of being called and harrased on the phone, whether I made the payments or not. For example, I made the XXXX payment back in XX/XX/2021 on time. Then the following day until the next month, I would get multiple representatives calling me and leaving messages about my payment being due for the next month or else I would be in foreclosure. Everyday for 3 months, I got called at work and on my cell phone. They would apologize then say that's its protocol for them to do so even if I already made a payment. And it was back to back calls even when the money deposited to their company but they wanted to " make sure '' I was going to pay it on time and sometimes would ask me if I wanted to pay it early. No one has XXXX lying around everyday to give. It gave me anxiety as they kept telling me that if I didn't comply, my house would be in foreclosure even though I was making the payments on time. Fast foward to today. I get calls if I don't make my Mortgage payments between the XXXX and XXXX of every month. I work for the government and get paid after the XXXX of each month and although I ready the contract, it says you have until the XXXX to pay your mortgage but XXXX says that it isn't true ... that all mortgages have to pay by the XXXX of each month. Now today, XX/XX/XXXX, I just found out that they changed my FIXED mortgage monthly payment and made it higher. Can they do that??
01/17/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 22556
Web
Carrington Mortgage Services, LLC XXXX XXXX, CA XXXX I am writing to inquire about a recent escrow analysis and my escrow balance. On XX/XX/XXXX I requested an escrow analysis because my mortgage payments increased and I wanted to know what was the catalyst that caused my payments to increase. I was told that the mortgage payment increase was due to an increase to my XXXX County real estate taxes. I recently requested another escrow analysis on XX/XX/XXXX because I believe the amount that is being escrowed to cover real estate taxes and insurance is over-stated. My first question is why is only {$320.00} being applied to my escrow account and not {$330.00}? Per my monthly mortgage statement a total amount of {$390.00} is being applied to my escrow account, less {$65.00} for FHA Mortgage Insurance. There is a variance of {$13.00} per month that should be applied to my escrow account, but it is not reflected in any of my monthly statements. $ XXXX- Monthly Escrow $ ( XXXX ) - FHA Mortgage Insurance XXXX XXXX- Escrow for Taxes and Condo Insurance My second question is why the amount that is being escrowed so grossly overstated? The total payments going out for the XX/XX/XXXX year will be and estimated amount of {$3800.00} ( Condo Insurance, FHA Insurance and County Real Estate Taxes ). However when I calculate the total amount that will be escrowed of XX/XX/XXXX, I am showing a total of {$5700.00} ( $ XXXX*12 months ) + XX/XX/XXXX Ending Escrow Balance of {$900.00} ). Even with the required balance of {$510.00}, I am estimating that my escrow account is overstated by at least {$1200.00}. Please see attached work paper for details. I am requesting a review of my account by someone in the Escrow Analysis Department as I believe there are some discrepancies that should be addressed. Thank You, XXXX
04/20/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MD
  • 20653
Web Servicemember
I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran, the state & County ( Maryland, XXXX XXXX XXXX XXXX ) have determined I am tax-exempt from property tax. In XXXX ( XX/XX/2023 ), I spoke with Carrington 's property tax department and uploaded the county 's determination of the tax-exempt letter to the link provided by Carrington Mortgage Services . I was informed that the process/review would take 14 business days. I followed up with Carrington 's property tax department on XX/XX/XXXX to find out they had done nothing to my account. I paid the full mortgage and Escrow on XX/XX/XXXX and was informed by the next billing cycle on XX/XX/XXXX that my account would be fixed and refunded any escrow balance. On XX/XX/XXXX, I contacted Carrington 's property tax department again to learn no updates or adjustments had been made. Again, I spoke with a supervisor, and they were unable to answer any of my questions regarding why my account had not been updated. I was forced to pay again an on-property tax which I am exempt from paying. I contacted Carrington again in midXXXX, and no one I spoke with could tell me why I am forced to pay property tax, and I have not been refunded my escrow balance. The service members and supervisors I have spoken to have refused to send me a letter stating they have not processed my tax-exempt status, they refuse to send me any information regarding our phone conversations, and they refuse to allow me to speak with any higher-level management. It is approximately a week away from the May billing cycle, and no adjustments to my account have been made. In any conversation with Carrington, I am fed a pre-written comment that they are working on this matter and will escalate it, and the matter should be resolved within 5 business days. This has continued for nearly three months.
09/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90650
Web
I have attempted to clarify my mortgage payments with Carrington for a few months now, and I requested assistance from CFPB XX/XX/XXXX, Carrington answered my complaint XX/XX/XXXX. Unfortunately Carrington 's response, while dilligent, was not adequate. In Carrington ; s response their dates of receipt show my transferred. I understand that perhaps Carrington hadn't set my account up in XXXX and perhaps that's why the payment received XX/XX/XXXX was not applied until XX/XX/XXXX, but that delay made the account seem 90 days late when in fact is was 30 days late. By Carrington 's records they would have shown it 60 days late because of a missed payment to XXXX. I have already attempted to address this missed payment several times with XXXX and recently filed another complaint with CFPB requesting XXXX amend their reporting and sent the amended reporting to Carrington. In ay of XXXX, Carrington began returning my payments. I have saved these payments in an attempt to become current with Carrington and have these payments ready to forward to Carrington. The challenge is that the numbers that Carrington is representing that I owe them is more than conusing. On XX/XX/XXXX, I spoke to representatives at Carrington and I was given three different amounts to bring my account current. The last statement that I received from Carrington shows a amount due of XXXX, but o the back Carrington details the missing payments which add up to XXXX. If I add the XXXX payment due the total is XXXX or almost 2000 difference. On XX/XX/XXXX, I was informed that Carrington sent my loan to foreclosure adding attorney 's fee 's and inspection fee 's which as per their statement total XXXX, still less that the amount on their statement. My goal is to bring my loan current and I am requesting assistance to do just that.
01/29/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 76502
Web
Carrington Mortgage Services has set a sale date of foreclosure on my home though I'm in their RMA process after they refused payments directly from me. Returned my payment and required that I call them to make payment arrangements. This is my second round of the process and as usual it's a joke. Each submittal of the same information, there is always something missing, etc. They are advising me foreclosure will halt once they get a complete packet. They've failed to review my last submittal and it's now been 5 business days since submitting and only 10 days until the sale of my house. I'm being DUAL TRACKED which is a mortgage violation in Texas. Additionally, I did file Chapter XXXX XX/XX/XXXX and it was dismissed in XX/XX/XXXX for late payments as I'm not always paid on time as a consultant. My XXXX Carrington Mortgage Services statement indicates past due amount of about $ 10K. My payment from XXXX has not been applied to the amount owed. My mortgage has increased every year as they can not calculate so my escrow has been in the negative for years. They tact that amount on top of other fees bringing my amount due on the XXXX statement to almost $ 43K. I have not seen any documentation as to the transfer or bought rights to service my mortgage either though I've asked. Additionally I did not receive statements during my bankruptcy and did not ever receive documents concerning what they agreed to be paid during the bankruptcy. Those statements aren't available to me per my conversations with Carrington Mortgage Services representatives during phone conversations. I paid in almost $ 29K from XX/XX/XXXX to XX/XX/XXXX, statements are not giving credit for those payments. It looks as if they're going to the let the foreclosure procedure before reviewing or finishing with the RMA process.
10/27/2016 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • MN
  • 55372
Web
This has been going on for 2 years ... .it never gets resolved because our mortgage continues to get bought out just as we are ready to agree to a deal. We have to take my ex wife off of the mortgage. She signed a quick claim deed and I was awarded the house in the divorce. We also need to have a mortgage reduction. Our home is severely underwater and it needs to be a valuable asset otherwise why would I stay? I mine a well be renting. The point is I like my home and want to stay. My mortgage has gone up drastically over the years to what I believe were corrupt mortgage companies refinancing my loan and charging high rates ... ..my complaint is that our new mortgage company Carrington is supposed to be giving us a loan mod that our last mortgage company XXXX XXXX agreed to but sold the loan before it went through. THis was the agreement : 1. My exwife XXXX XXXX would be removed 2. XXXX XXXX and XXXX added to the loan 3. Mortgage reduced to make it a valuable asset it was appraised twice by our last mortgage company and came to the new mortgage amount of {$270000.00} We just received in the mail the new loan mod from Carrington. They DID NOT remove my ex wife 's name. They DID NOT reduce the mortgage, they just differed {$69000.00} ... .which does not make any sense, it keeps us in the same boat we were in, living in a home that will NEVER be above water. Do you not understand that we could sell it on a short sale and you would be taking a loss of probably more than {$69000.00}?? If it goes to foreclosure you would for sure lose more than that! Why would n't you want to make this right, reduce the mortgage to fair market value and let me stay in the home I have already poured thousands of dollars into? We were told by our last mortgage company that the new company would honor the agreement.
05/31/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MN
  • 561XX
Web
On XXXX I requested a reinstatement letter. XXXX I called because I had XXXX dollars of XXXX but would not have the full amount by the due date of XXXX. They accepted a payment of XXXX XXXX dollars over the phone. I then had to ask for a new reinstatement letter which I received and it showed XXXX. The payment of XXXX was sent. I received a phone call stating my payment of XXXX over the phone was no good. I then had to wait until they returned my funds through the mail by check. I then cashed my check and wire transferred the funds at XXXX the day my second reinstatement payment was due I made three phone calls that day trying to communicate this on XXXX. I made a follow up phone call to my mortgage company on XXXX to find out my check of XXXX was being returned but that they could keep the XXXX I wired transferred and would have request yet another pay off statement. I recieved the pay off statement of XXXX with the XXXX XXXX wire transferred unapplied. I have requested an itemized list of all payments charges and any fees with any notes attached to my account because I would like to know how my reinstatement went from XXXX to XXXX in XXXX months when my mortgage is XXXX each month. When all errors were made on there end. My entire familys livelihood has suffered because of mistakes made by Carrington Mortgage. I have only received XXXX phone call since I have made the request via email of all fees charges and payments made between the dates of XXXX and XXXX with any notes that are attached to my account number and was not assured anything at the end of that phone conversation. I have exhausted all resources and can not afford to hire an attorney. I was planning on using the remainder of funds XXXX to pay on other debts and be sure to make my mortgage payment XXXX which I am short XXXX.
11/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75052
Web
My mortgage transferred from XXXX XXXX XXXX to Carrington Mortgage on or around XXXX XXXX, XXXX i think that is the correct date. I am not sure, as I never recieved a letter from them. I found out about the transfer when I went to make my payment to XXXX XXXX XXXX and they said I could no longer make my payment to them as my loan had transferred. they gave me the company name and a phone number. I called Carrington. I got my loan number and my late fees due. I advised I never had late fees and they must be mistaken. I was told to send in a letter to them explaining what had happened and they would fix it. I did, on XXXX/XXXX/XXXX. I received a letter from them advising they recieved my letter but nothing after that. I was under the impression that they had 15 days to respond and get it fixed. I received another letter from them on XXXX/XXXX/XXXX advising that they never received my payment. I am not sure what happened as my payment was made, it just did n't go through. I quickly made my payment on line through my bank and sent it next day. I get a letter on XXXX/XXXX/XXXX saying they never received my payment. I called them and she stated that my payment went to unapplied funds as it was XXXX cents short. I told them I was not aware of this and no one had called me, sent statements, etc. I was reported to the credit bureau she said. i told her I would make my payment for XXXX cents online immediately, making the payment with her would have cost me XXXX. I sent the payment. i have never had an issue with a mortgage. I always make my payments on time. this company is horrible. I am almost finished paying my mortgage, thank XXXX. I just wanted the CFPB to know the misdealings that this company is doing. I have good credit, make my payments on time and have to deal with this nonsense.
11/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Fees charged
  • NJ
  • XXXXX
Web Older American
This is in addendum to the compliant filed a few days ago against Carrington Mortgage Company LLC. XXXX. The higher figure they are requesting me to pay is based on if if I allowed them to do a loan modification for me which they did not. I have copies of the papers where they dated I would pay $ the higher figure of {$1900.00} and some change. XXXX. XXXX XXXXXXXX stepped in and made my mortgage current by giving Carrington. The funds needed to keep my mortgage payment at its current rate, which was stated in the previous statement sent in the complaint on Thursday of last week to Carrington.. XXXX. Ive spoken to the FHA, and Carrington knows the rules that when a mortgage is caught up, the payments go down, which I will supply proof of that they do not go up and Carringtons to stop playing games, trying to take advantage of a situation and make extra money has been turned around from a negative to a positive. Mortgage payments do not go up as money is paid to decrease the debt. I dont think the departments within the company speak to one another as you can see the various discrepancies that were presented in the previous complaint on XX/XX/2023 concerning this matter .Hopefully XXXX XXXX XXXX and other senior officers get on board and do the ethically right thing toward God and me. Cheating people is not right! nor an ethical practice for a business They signed a legally binding contract with the state of New Jersey, which was submitted in the previous complaint of what my correct mortgage payment should be and I expect Carrington to honor it. Mortgage payments do not go up they go down. My mortgage payment is an FHA and it is not variable or based on what they think it should be. I would suggest that they rethink their methodology, and the way they do business with the public.
02/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77373
Web
To whom it may concern at CFPB, I need your assistance my home is in the process of possible foreclosure due to nonpayment according to Carrington Mortgage company this is false. I have all bank statements of cleared payments every month with the exception of one or two payments due to XXXX XXXX and unemployment. I have paid every month with diligence. I have always paid through my current bank for convenience. I have noticed my payments were not getting cleared after submission they take a week each time. and each time placed late fees. I tried their website for fast payments it does not facilitate access it is stating there is something wrong with the account number. As of XX/XX/XXXX, they have stated I have not submitted payments or back pay owing the amount of {$10000.00} which are false statements. In my 20 years of being a homeowner, I have not had to deal with such poor management of consumer finances. A, XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX has contacted me by mail in XX/XX/XXXX, attorney representatives of Carrington Mortgage, to address the missed payments. At their convenience, all of my payments have been fraudulently placed as late or missed. I have ALL of my bank statements stating this is false. I have called the attorneys for Carrington and submitted all statements and disputes. For the Month of XX/XX/XXXX, I submitted my payment as usual, and 2 weeks later it was refunded. Why? So, I sent another payment ( by mail and original check ) on XX/XX/XXXX obviously late, it is XX/XX/XXXX and has not cleared through my bank account. Where is my money?? If there is anything possible to correct this I am more than appreciative. This company is horrible and needs to be eliminated from the Lender 's list they are not here to help anyone. Best regards, Concerned Mortgage payor
04/09/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NV
  • 891XX
Web Servicemember
Loan was serviced by XXXX I enrolled in the covid assistance program around XX/XX/XXXX and received an extensions XX/XX/XXXX and XX/XX/XXXX from XXXX to expire XX/XX/XXXX. As of XX/XX/XXXX the amounts past due was as {$5300.00} with {$1300.00} due XX/XX/XXXX for a total amount due of {$6700.00} none of the amount due was late fees. ( ref XXXX XXXX statement ) Immediately following this statement the servicing was transferred to Carrington mortgage. I received a Statement from Carrington dated XX/XX/XXXX showing a past due of {$5300.00} with {$1300.00} due XX/XX/XXXX and {$220.00} in late fees for a total of {$6800.00}. Along with the threat of foreclosure. Ref Carrington XXXX Statement. I immediately called XXXX and Carrington about the Covid protections : XXXX responded that the Covid protections follow the loan to the new servicer and that Carrington may not have received all of the info yet, and that no fees had been charged by XXXX. Carrington says that the fees where previously owed to XXXX and that they had no record of the covid forbearance. I immediately enrolled online for covid protection on their website, and was granted until XX/XX/XXXX. I have made all payments showing due to avoid any credit reporting or foreclosure issues prior to the expiration of the latest covid assistance period resulting in the amount of {$170.00} paid year to date in fees to Carrington. Ref XXXX Carrington Statement. I have tried to resolve this issue with Carrington and they say they where fees from XXXX when the loan was transferred. Both companies just point the finger at the other. In addition I asked Carrington to provide me the name of the FHA Mortgage owner and they said all they do not have that info, this is a FHA loan. I was seeking this info to seek help from the backer as well.
12/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85029
Web
First I should not have been on the plan to make payments via XXXX XXXX. The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process on my fha loan. So I set up a promise to pay on both of my loans approximately XX/XX/19 to figure out what was needed on my accounts, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to XXXX XXXX my payments, this was an immediate posting process according to Carrington, and for a couple of payments it was. So with their actions another payment needed to be made due to error in the reporting process at Carrington mortgage, I had to make another payment via XXXX XXXX ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit. The Post marks on the receipt should be the determining factor. If i had mailed the payment and it was post mark the XXXX, Carringtons practice is to use the post mark date as I have been instructed by Carrington mortgage services.
01/31/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 94565
Web Servicemember
My husband and I were facing foreclosure in XXXX after I had lost my job and we got behind on all of our bills. We filed for chapter XXXX bankruptcy in XX/XX/XXXX. The trustee paid the pre-arrearage payments and we were supposed to pay the ongoing payments directly to the lender. Throughout the four plus years or the chapter XXXX repayment plan, we did miss some payments. Also the servicing of the mortgage changed twice. The most recent change took place in XXXX of XXXX when the servicing changed from XXXX to Carrington Mortgage. The loan was also sold to a new owner. Going by the statements that we received from Carrington starting XX/XX/XXXX, showed that we owed {$7000.00} plus in overdue payments. So we paid extra payments to pay that amount off before the bankruptcy was over. According to the statements we believed that we had made enough catch up payments to bring the loan current in XX/XX/XXXX. Then we received a final cure payment from Carrington stated that we owed another {$8000.00} plus in past due payments and fees. Our bankruptcy attorney said that he requested the ledger, but we never got it after two months. So I sent a certified letter requesting the ledger for the period of XX/XX/XXXX to current. I received the ledger from Carrington recently, but it only included information from XX/XX/XXXX to current. I then contacted a VA representative who said that he would try to get the information for me, but I havent got anything other than a loss mitigation packet and now notice of default dated XX/XX/XXXX. How can I determine if payments were not credited if they wont provide me the ledger? They also have not answered my question as to why the amounts past due changed from the XX/XX/XXXX statement to the XX/XX/XXXX statement. The bankruptcy was discharged in XXXX of XXXX.
06/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20735
Web Older American
I received notice from Carrington Mortgage Services, LLC of my ineligibility for a home loan modification program because my Request for Mortgage Assistance ( RMA ) was received after XX/XX/XXXX the last day of the program. See document 1 and 7 This is not true I XXXX the form with current documentation to Carrington MS , LLC, XXXX, Ca. on XX/XX/XXXX. It was received XXXX XXXX on XX/XX/XXXX and signed for by XXXX XXXX. See document # 6.

I was denied assistance because the Debt-to-income ratio calculated from the information I supplied in the RMA was not in the required range. See document 5. I spoke with XXXX at Carrington on XX/XX/XXXX and determined I had put the HELOC monthly payment used to calculate the ratio on the wrong line causing it not to used n the calculation of the ratio. I appealed the decision using an estimate of the reset HELCO payment based on information from the current economy. The HELCO lender would not provide the new payment amount. I filed CFPB complaint # XXXX to get the amount from the lender. I in order to file the appeal by the deadline.

Just after I filed appeal the HELCO lender provided the amount 2 days later. See document 2. I spoke with XXXX of Carrington asking how I could get the new information included in the appeal I just filed. She said do n't worry she would send me a new application. I had my doubts about using a new application so I enclosed a letter explaining it included the new HELCO payment information with lender documentation since the Appeal was denied because of documentation. see document 3 and 4.

This new application sent by XXXX must have been interpreted as a second attempt to apply for a modification when all I wanted was to include the newly received HELCO lender documentation and amount in the with the appeal.

02/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NM
  • 882XX
Web
I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with XXXX XXXX XXXX and accounts with Carrington Mortgage that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer. 12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors
05/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95757
Web
In XXXX XXXX , I submitted a dispute with the XXXX credit reporting agenices that the information Carrington Mortgage is providing them regarding my account is inaccurate. XXXX of the XXXX reporting agencies investigated my request and Carrington Mortgage repsonded to their investigation claiming the information they submitted was accurate. On XXXX XXXX , I sent a letter certified mail with a return receipt to XXXX XXXX XXXX requesting them to provide me account information on a foreclosed property that they serviced a loan on. I informed them I was directly disputing the information as I did not think the dates of last payment and the dates of foreclosure were accurate. As per the RESPA, I requested them to acknwlegde my request within 5 days and to provide me a response within 30 days. Additionally, during this time, per RESPA Carrington Mortgage should not be reporting any information regarding late payments to the credit reporting agencies. On XXXX XXXX , XXXX , Carringtion Mortgage recieved my letter. On XXXX XXXX I received a letter from Carrington Mortgage Services dated XXXX XXXX , stating that they would not process my request for them to provide my account information becuase the letter that I submitted was not signed. The letter I submitted t o Carrington was initialed by me. On XXXX XXXX , XXXX , I faxed over a signed copy of the letter, and I also sent another letter via certified mail return receipt that was recieved b y Carrington on XXXX XXXX . Carrington Mo rtgage did not respond to my account inquiry, however on XXXX XXXX , I was notified by Experian, a credit reporting agency tha t Carrington Mortgage responded to their investigation and advised them the information they were reporting was accurate.
09/24/2015 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • NV
  • 89031
Web Servicemember
Earlier this year my VA Mortgage was transferred to Carrington Mortgage Services for unknown reasons from XXXX XXXX XXXX. I elected to refinance with Carrington and was assigned to XXXX XXXX ( Loan Officer, Regional Sales Ctr. Inside Carrington Mortgage Services , LLC ) back in XXXX of 2015. The refi had changed from cash-out to streamline throughout the process and after many failed attempts of attempting to get a hold of her and her supervisor ( XXXX ) I elected to start searching elsewhere after several misleadings by Carrington as a whole. For instance, XXXX left a voicemail for me on XXXX XXXX stating, " please give me a call wanted to find out if you 're going to be available for a closing we finally got the exception we needed ... '' I finally contacted XXXX approximately one week later letting him know that I would no longer be closing with them and that I 've elected to utilize a different company. XXXX stated that he would close out my application and in the mail I received a, " Statement of Credit Denial, Termination, or Change '' stating " Application Denied. '' I find this to be gross misconduct and misreporting on the bank 's behalf and request that appropriate actions be taken. Throughout the time that I was dedicated to the process with XXXX and XXXX there were numerous other ill-conduct actions on their behalf, such as in an e-mail on XXXX where I am told, " ... to not make your XXXX payment ... '' and on XXXX am told that I had to make that payment and that I misunderstood what I was told. In the early part of XXXX I am then told that the rate lock had expired and that my rate was being increased from 3.825 % to 4.125 %. I disputed that and it was brought down to 3.875 % as supposedly there is no 3.825 % which I had been signing papers for from the beginning.
02/04/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 73034
Web
Please Compare the Escrow Statement dated XXXX to the Escrow Statement dated XXXX - as well as the XXXX Billing. You will see three different monthly payments, wildly altered Escrow statements and fraudulent late fees being charged, but they not applied. 1. Increasing escrow monthly payments based upon erroneous and fraudulent projections totally XXXX per year when escrow expenses historically for 10 year old mortgage avg. XXXX year. 2. Refusing to re-figure escrow analysis and projections. 3. Charging late fee 's but refusing to apply late fees to monthly mortgage payment, resulting in classifying said monthly payment as not yet satisfied. 4. Hanging up when asking to speak to supervisor. 5. Fraudulently and willfully omitting previous years escrow account balance in year end statement, thereby creating justification for escrow projections of double for current year ( i.e. Escrow account had XXXX balance, Carrington said it was XXXX, and therefor projected I needed XXXX more over the next year in escrow on top of the already XXXX my monthly payment included. ) 6. Reporting to credit agencies mortgage is 2 months or less behind when in fact the payments were made on the XXXX of the month it was due - fair credit reporting act violations. 7. Willfully and knowingly lying to me that the FHA does not allow a homeowner to cancel the MIP portion of the loan. This is blatantly false. When confronted and forced to address the written law of FHA MIP requirements Carrington refuses to release the amortization schedule that they use to figure when my loan will be at 78 % equity. 8. Willfully and knowingly refusing to release a current escrow analysis statement explaining why my monthly mortgage payment has more than doubled in the 9 months since they purchased my loan from XXXX.
11/03/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 774XX
Web
Hi my name is XXXX XXXX we bought a house inXX/XX/XXXX let me tell you when I mean going through the process of this was a total nightmare. We were first told 45 to 60 days that started in XXXX XXXX in XXXX we were told I only needed one thing to finishe that took a month going back and fourt with underwriting and lender. Then in XXXX we were told the house was ours that was on a Thursday we were scheduled to close on Monday on the Friday before we were told the person handling our file no longer works there and we have to start all over again from the beginning. Collecting bank statements, check stubs employment verification again why the others we already got couldnt be used I do t know. This took another 3 months now doing this whole time my husband who is XXXX and has major health issues goes on a XXXX at night we were forced to live in a motel paying {$400.00} a week. Then finally the day before we closed the underwriting calls and ask if anything happened to my husband could I handle the house payment. That right there is illegal we feel like the whole process was a big joke and we were being played. Now at the end of XXXX we were in the Hurricane I missed days from work caught XXXX. I was told if we called our mortgage company they would work with us. Oh ya they are working with us alright told me I could have a 3 month forbearance pay what I could. I asked the gentleman I spoke with if I was gon na get penalized for not making a payment and if I was gon na have to make a large payment in XXXX he told me no. Big lie now I find out I gave to come up with XXXX by XXXX first. Im afraid to ask for mortgage assistance for fear of being put through the run around again I dont wan na lose my house I can handle the payments we just got put in a situation with the Hurricane.
03/11/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 92021
Web
CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX We caught them doing some questionable things at the beginning of this transaction. Please see attached previous CFPB complaint. Escrow is trying to close today XXXX/XXXX/16. A payoff demand was ordered from Carrington on XX/XX/XXXX. We were told we would have the payoff within 3-5 days. We have called in multiple times since then ( at least 6 total ). We have gotten a different story every single time we have called. One call we were told it would be 3-5 days. The next call we were told the request was closed out and the new time frame for providing a payoff would have to start over. The rep had no ideas why it was closed out. Then it was escalated again. Then we were told we would have a payoff within 24 hours. ( we never received it ) Then we were told we would have it by the end of business that day. ( we never received it ) Then it was escalated again. Then we were told it would take at least 10 days to get a payoff. We have never received the payoff demand. We have been told a completely different story every single time we have called them. This has been escalated multiple times, as well as cancelled multiple times within their system. As of today, they are now telling us we wo n't get a payoff demand until after the foreclosure date. Is the refusal to send a payoff demand Carrington 's version of retribution for filing the first CFPB complaint? Kinda seems that way ... .. We know that Carrington has no intention to allow a full payoff of this loan. They never did. They instead want to foreclose on this property and send it to their real estate division in order to keep the equity in this property for themselves and get paid a commission for the sale. THIS HAS BEEN THEIR GOAL FROM THE BEGINNING.
03/31/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 49341
Web
Carrington Mortgage Services There has been ongoing issues in receiving my mortgage statement in the mail and a lengthy time for them to process the payment. So much time would pass before the payment was processed, that I would receive a late notice a day or XXXX after they would process the payment. Today, XX/XX/XXXX, I received the mortgage statement for due payment of XXXX. I sent out the payment on XX/XX/XXXX with the coupon used from last month that I thought was the current one. It came to me in the mail all beat up and half open. It takes an average of XXXX days for them to process my payment. I normally get the mortgage statement late on the XXXX week of the month. I can not access a statement online to print off for my records, but they will easily take a payment. I used to have to pay extra to process payments online until I recently saw that the fee was waived because of covid. I contacted the company regarding this issue, the representative on the phone agreed that I have not made any late payments and I am paying extra. I was supposed to have a follow up from someone in the company and have not received any. I was told that the late payment division doesn't communicate efficiently with the payment side, and that is why I got the late notices. They have also had to go through my escrow account and redo the amounts taken as I would have too much extra in that account. Trying to talk to someone on the phone is very difficult since covid has struck and the call volume is always very high. I have waited on the phone for XXXX minutes before giving up. I have had to write on paper my payment, account number, how much I am paying and how much goes towards principle because I am not receiving my statements and that is the only way I can see the statements.
04/06/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23666
Web
Carrington Mortgage Services took over servicing my mortgage, I paid extra every month and for the 1st several months ( 3ish ) they applied the extra to the principal of the loan, then in XX/XX/2017 they recalculated everything and used the extra money to apply to future payments they sent my statement claiming I was late on my payment and over due by {$45.00}! I called them and in XXXX I got them to revers this and reapply the extra money back to the principal of the ( VA ) Loan. I asked for a pay off statement and had XXXX send Carrington a " Bill pay check '' for the full amount. They applied it as a normal payment so I called. 3 different Carrington employees went through the issues with me and said they would " take care of this issue an I should consider my mortgage paid in full '' and that the Escrow balance would be returned to me. XX/XX/2017 I received a call from XXXX on my answering system. I called Carrington and XXXX could not be found, I was informed that I would need to make yet another payment because they did not consider the XXXX bill pay check " Certified '' I spoke to a supervisor and informed him that 3 of their employees had said that my mortgage should be considered paid in full, he said he could not follow through with that and I could send a letter asking them to use my Escrow balance to pay the loan. I asked for a new pay off to be sent and he 1st said I would have to send a letter to request this. They currently say my payment is over {$500.00} but the last bill they sent me shows the principal to be {$250.00} ( XX/XX/2017 ) and the escrow to be {$340.00} and Total Amount Due {$640.00}. The math adds up to theft! I 'm waiting for a new pay off statement so they can rip me off again! The lender has huge numbers of complains DO SOMETHING!
09/24/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92532
Web
Hello, I am writing to you to try to clear up some late payments that have been erroneously reported to the credit agencies. We were on a forbearance plan with Carrington until we signed loan modification documents at the end of XX/XX/2021. After the documents were signed and notarized we were given a new payment amount and terms and started making the new payments through the website. The website showed the new terms and payment amounts. We paid XXXX, XXXX and when logging in to pay the XXXX payment the website said there is a problem with this loan. I contacted carrington mortgage company and after much research I was informed at that time that the loan modification had failed in quality control. This was the first time we were given this information. After many phone calls and going through multiple channels it was determined that the we needed to reapply for the modification which we moved forward with and submitted the application. That process took almost 3 months. During these months I spoke with carrington on multiple occasions, I was advised in those calls not to pay the mortgage payment as it would just be applied to the balance ( which would be rolled into the modification ) In the meantime we were able to go another Avenue and pay off our balance and get current. We are now on track but our credit was negatively affected due to missed payments but I feel our loan should never have been taken out of forbearance if the loan modification was not complete. I think there was a breakdown in communication. Could you please look into this and see if we are able to get those late payments removed from our credit report? Thank you so much I have copies of all documents for the modifications and the notary info. Its just too much to attach here.
03/02/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • XXXXX
Web
I bought my house with an FHA mortgage loan that is held by Carrington Mortgage. I lost my job as a XXXX after 5 years and was waiting to be approved for unemployment and we submitted a payment for that month -- -but it was not a full payment. We did this for a few months and Carrington accepted this. Then suddenly they told us they would no longer accept partial payments. We asked if we could be considered for a modification or a restructuring of the loan or even a repayment plan. We were told no, they would not work with us, they would not assign a dedicated contact and they began the foreclosure process. We were told the only option was to reinstate the full past due balance in one lump sum and we could not do that at the time. I believe Carrington is in violation of state and federal guidelines relating to the servicing and handling of this loan. I was told by a counselor that they are required to review and consider myself and my husband 's financial situation for all programs available to struggling FHA loan borrowers. They have not done so, and have denied us access to programs such as modification, partial claim, forbearance or repayment plan. Despite my request for consideration for these programs or some type of review Carrington has refused to work with me. Due to my unexpected loss of a job we struggled to make our mortgage payment but still continued to pay what we could each month while going through this hardship. My husband is working and we have the means to afford a fair and reasonable payment. But right now we are being told there are no possible options available, and I just do n't think that is right. We need some help to break through the brick wall that Carrington has put up against our family. We want to get this loan back on track.
09/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 138XX
Web
Carrington mortgage ( XXXX XXXX XXXX XXXX XXXX ) Carrington Mortgage services is the lender who is listed as my mortgage holder. I make payments to them on this loan. This loan is currently in forbearance expiring on XX/XX/2020. The Forbearance began on XXXX XXXX When the pandemic began. I would like to give you some details. A payment was made on XXXX XXXX in the amount of XXXX. Record of payment is enclosed. The payment was enough to cover 2 months ( XXXX and XXXX ) leaving a balance of {$380.00} in suspense. I am working on making another payment by the end of the week on XX/XX/2020 in the amount of {$1100.00} Which will cover 2 more months ( XXXX and XXXX ). I have been communicating with the lender Carrington Mortgage services as they told me because there are programs that might the payments to bring my account current. I only owed the month of XXXX. This record of payments is also listed on a printout provided by my lender. I just wanted to make sure you were informed properly of my situation and giving the opportunity to do so. Also I wanted to add that I was contacted by a person of the name of XXXX ( XXXX ) XXXX XXXX XXXX ( mortgage Investment firm ) He stated that he wanted to work out the mortgage payments with us. I asked who he was and he stated to me that he was assigned from carrington Mortgage company. I said to him do you know that attorneys were involved with this situation. He said he didn't know that. He wanted the name of the attorneys. I stated to him that you should of got that from the mortgage company. He said that he will get back to me as soon as he gets that information. The attorneys who submitted paperwork to the court house are ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) address :XXXX XXXX XXXX, XXXX XXXX XXXX, new york XXXX
10/04/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 95003
Web Servicemember
Carrington Mortgage Services misapplied our XXXX 2016 mortgage payment and did not credit our account. When I provided them with a copy of the check they cashed on XXXX ( well before its considered late ), that I had to pay my bank to get, they told me it would take 10-15 days to process my payment. I called back in 10 days and was told it would take 30 days. In the meantime, I asked if they would be reporting this to credit bureaus while they find our money. They said that they could not guarantee that the folks who report their customers to credit bureaus would be told this matter is under investigation and to desist from reporting a " missed '' payment. They could only correct the false reporting after the fact. Apparently, these departments can't/wo n't talk to each other. I now have to check my credit report for the foreseeable future because these people ca n't communicate with one another. Everything is on me, the consumer, to defend my credit and good name, and prove that I paid on time. No responsibility taken by Carrington, when they could easily help by communicating with one another. Absolutely no way to be compensated for the time, effort, and stress this is taking. Since they may not be financially liable for this type of issue, they likely wo n't change. Overall, this is the XXXX company who has sold/purchased/owned my mortgage. I would love to have more choice in who I work with for mortgage servicing, a role in if/when my mortgage is sold, or a way of moving on from an unacceptable company without having to refinance. I guarantee these folks would n't treat us like this in person. They 're just some faceless phone bank in parts unknown, so they treat you like you need to just deal with it. Government, any government, please do something!
07/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • TX
  • 78109
Web
I contacted a loan company to refinance our mortgage for a lower interest rate. In doing this, the gentleman advised me that we had a LOAN MODIFICATION marker on our credit history. I advised him that we have never done that and he told me to contact the institution and get it removed. I then called Carrington Mortgage Services and told them I had not authorized this and XXXX from customer service told me there was a loan modification done in XXXX XXXX. I told her I had not authorized and she said they would n't have done it without signatures. So, I requested signatures and low and behold, there are no signatures. I was then advised to send a letter to the research department asking them to remove it from our credit report ( XXXX XXXX, XXXX ) and was told to give it 30 days. I then called on XXXX XXXX, XXXX to now be told ( they said a letter was mailed to me XXXX/XXXX/XXXX ) that the original document states that if we DO N'T want the loan modification to contact them and a signature is not required. They also state that on XXXX XXXX, XXXX there was a verbal authorization over the phone. They did not document who gave that authorization. I then stated that I will be contacting a lawyer and the agent 'warned ' me that conversations are recorded for quality assurance. I then asked to hear my authorization. After many long hold, was told they will not release that to me. Each time I call and talk with someone, there is something else they blame it on or try and explain it away. All I am asking for proof that I authorized it or have it removed from my credit report. If I authorized it, so be it, although ... ..I do not recall it at all. I want it removed from my credit report, no telling how long this has affected us getting loans and better interest rates.
07/20/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • IN
  • 46835
Web Older American, Servicemember
My wife XXXX XXXX XXXX XXXX ) and I took out a reverse mortgage contract with the XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX : XXXX. Account XXXX : XXXX. According to the Adjustable Rate Note issued by the state of Indiana on XX/XX/XXXX ( FHA case Number XXXX ; Loan Number XXXX ; MIM XXXX : XXXX ) paragraph 5. ( E ) Notices of Changes : " Lender will give notice to Borrower of any changes in the interest rate. The notice must be given at least 25 days before the new interest takes effect, and must set forth ( i ) the date of the notice, ( ii ) the Change date, ( iii ) the old interest rate, ( iv ) the new interest rate, ) v ) the Current index and the date it was published, ( vi ) the method of calculating the adjusted interest rate, and ( vii ) any other information which may be required by law from time to time. '' As a result of a XXXX bankruptcy proceeding, Carrington Mortgage Services LLC acquired our reverse mortgage contract. Our XX/XX/XXXX reverse mortgage account statement reflected an interest adjustment of plus 2 %. I had no prior knowledge of the forthcoming loan interest rate adjustment nor of any details behind the adjustment as stipulated by my contract. I emailed a request for information from the Carrington Mortgage Services LLC Co. on XX/XX/XXXX and followed that with a written request, via certified mail, on XX/XX/XXXX. The written request was received by an agent of the Carrington Mortgage Services LLC on XXXX XXXX. Neither request resulted in a response to me by the Carrington Mortgage Services LLC Company. In my mailings I requested the " required contractual correspondence and any adjustment to interest charged me as required ''. I request any assistance the cfpb can provide to resolve my issue. Thank you, XXXX XXXX XXXX
01/07/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 958XX
Web
I bought a home in XX/XX/2018 which included my escrow account as well.My payment with the escrow account was {$1600.00} and it remained the same for 1 year with fixed interest rate of XXXX after 1 year my payment was reduced to {$1400.00} still with the escrow account without any reasons disclosed..It remained the same till last year in XXXX and without giving any explaination the monthly payment went up to {$1700.00} and after 2 months in XXXX the monthly payment went up to {$2300.00} again without any explaination. I called the lender to know wht was going on but without sucess and when i asked to talk to a senior person that too was denied..I stayed on the phone line for 3 hours being transfered here and there and finally came the answer that there is a shortage in my escrow.But my question is how can there be a shortage when i have never missed a payment .This they could not answer and after there calculations to which i have no idea how it was done they agreed to reduce my monthly payment to {$2000.00} and that to for next 3 years..If u do a simple calculation if they are saying my escrow payment is {$940.00} for a month so for 1 year I am suppose to pay {$11000.00} and my property tax for the year is {$4000.00} which includes my taxes and insurance and if I pay {$940.00} for 3 years i will pay for my escrow {$33000.00} which does not make any sense.I would say its a total rip off and during this pandemic iam just struggling to keep up with this kind of behaviour. I would appreciate very much if someone can solve this matter. Thanking You in advance.. i would like to give my information as follows.. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone..XXXX Mortagage Company ... Carrington Mortgage XXXX XXXX XXXX, XXXX, CA XXXX phone ( XXXX ) XXXX
09/26/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • XXXXX
Web Servicemember
I was wrongfully foreclosed on by Carrington mortgage services and XXXX, XXXX XXXX XXXX XXXX and suffered physical and emotional damage as I was being evicted from my home in 3 days by the purchaser of my home at the county auction in XX/XX/2018. I did not pursue legal action and I was forced to reapply for a loan modification. I sent my mortgage application in but was denied on XX/XX/2018 due to not having a complete package in because of a hardship causing me to be delaying in submitting additional documents. So I in turn sent in a complete package which they acknowledged when I spoke to them on XX/XX/18 to XXXX. I spoke them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 several times. It wasnt until XX/XX/18 that anyone stated Carrington had to have deemed the package complete by XX/XX/18 or they would close my review. I have confirmed on XX/XX/18 that they had the additional documents meeting the deadline of the missing documents letter. Each representative assured me as soon as the package is complete the foreclosure sale date of XX/XX/18 would be postponed. The notice Carrington gave me on XX/XX/18 stating the sale date was XX/XX/18 is in error and even up to XX/XX/18 I was told by Carrington the sale is XX/XX/18 thereby stating I was within 7 days of the sale date which in fact I was not. The sale date on the legal notices is the first Tuesday of XX/XX/2018 which is XX/XX/18. On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 none of these representatives indicated one time that I was near a deadline but rather encouraged me that once my package was complete they would postpone the sale. I demand the foreclosure sale of XX/XX/18 be set aside to address these discrepancies in the mortgage loan servicing of my FHA back loan.
05/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60106
Web
My father, XXXX XXXX passed away in XX/XX/XXXX. My loan was previously at XXXX XXXX XXXX and sold to Carrington Mortgage Services. They changed the ownership back to my deceased father. I sent them a copy of my father 's death certificate. I was told I can not speak unless I have executor or small estates affidavit. In the mean time, I contacted XXXX XXXX and was told to fax my birth certificate showing that I am his son along with a password to a specific fax number. I did this. This was back in XX/XX/XXXX. It is now XX/XX/XXXX. I still can not speak on behalf of the mortgage loan. Furthermore, there is now a financial error in my mortgage. My statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX shows that I owe XXXX as my regular payment. I paid this amount. The statement came dated XX/XX/XXXX with payment due date XX/XX/XXXX. Now they show I am 2 payments behind. They took my payment from LAST MONTH and put it in unapplied funds. I send the correct amount based on the statement that was sent to me, and they are now saying I have over due payment for XX/XX/XXXX Payment plus the XX/XX/XXXX Payment. I am attaching the statements for review. I am not allowed to speak with anyone. No one can resolve my problem. I am very, very concerned about this. Furthermore, they are EXTREMELY RUDE and wanted to slam the phone down on us when we tried to call them. The women 's name was XXXX and this is in the Customer Advocate Department. I am attaching all copies of correspondence I received and sent to them. I need help. I am waiting to see if I will receive a return call from XXXX XXXX, who was left a message today XX/XX/XXXX to return my call. Also, she failed to follow up on this issue. It was left unresolved and unfinished. Thank you
08/22/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web Older American
Loan was with XXXX XXXX XXXX, they tryed XXXX attempts to foreclose, without success, because of the fact that the statue of limitations ran out in XXXX,, because the first delinquent day was XX/XX/XXXX, the note was escalated in XX/XX/XXXX, this made the maturity day,XXXX, and stated the statue of limitations, in XXXX, XXXX XXXX XXXX XXXX forcing to stop reporting to the bureau s because the XXXX. Had passed, at that time XXXX XXXX XXXX was barred from suit, in XXXX, the chose to get a fake assignment of deed, using the old stamps from country wide, that was to be destroyed, according to the national mortgage settlement, in XX/XX/XXXX they decided to move the loan over to Carrington mortgage, that's claiming to be a debt collector, started reporting to credit bureau in XX/XX/XXXX, after challenged there right to report the same account that was deleted prior to the change of service, They agreed the 7 years has passed and removed it from the credit bureaus, now they have got a illegal assignment of deed, also the lawyers escalated letter did not include the amount owed or how much to cure, in XXXX you have to put that on the letter, the immediately did a illegal assignment for deed, and have filed suit to foreclose, ever when the law says the XXXX statue of limitations apply to mortgages, also no one can tell me where the XXXX XXXX I got from the mortgage assistant program, believe Carrington mortgage is stealing all the money people are getting from this program, also they are trying to sue my wife, who has never been a signer on any of the notes, especially the modification I got in XXXX, Carrington mortgage is barred from suit, but are ignoring the laws of Texas XXXX also refusing any kind of workout programs, using the old XXXX tactics,
03/08/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • OK
  • 740XX
Web
XX/XX/XXXX escrow analysis compared to XX/XX/XXXX escrow analysis is difference of {$200.00} in " projected '' taxes and insurance. Monthly payment based on XX/XX/XXXX escrow analysis {$790.00} - Monthly payment based on XX/XX/XXXX escrow analysis is now {$940.00}. I called Carrington XX/XX/XXXX regarding why my payment went up so much and they told me XXXX that my insurance double billed- once in XX/XX/XXXX and once in XX/XX/XXXX ( i called insurance and this is not correct ) XXXX then they told me that my payment was increased due to my escrow was in a negative balance My escrow balance was a larger negative amount in XX/XX/XXXX but my payment did not change at that time. I spoke with customer advocate on XX/XX/XXXX and was told it was because my escrow was negative and because they forecasted for another year they changed my escrow payment and added {$180.00} to my monthly to " cover '' this projection. Although my escrow balance was positive in XX/XX/XXXX and then only went negative after insurance/taxes were paid. I was meeting my minimum escrow balance requirement of {$520.00}. The advocate also told me that if I pay {$2200.00} now that will " fix '' my issue and my escrow will be correct. Then I can still pay $ 261 monthly and have my balance even out in XX/XX/XXXX Then they told me the reason my payment went up was because my insurance used to get paid annually in XXXX but for they past two years it was paid in XXXX. I continually asked the advocate why if XX/XX/XXXX by escrow balance was essentially exactly the same, and my payment was {$790.00} but in XX/XX/XXXX suddenly my payment was {$940.00} and he just said well I know I won't convince you that we are right but you just have to pay what we said. Our math is always correct. .
03/08/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20744
Web
My mortgage company Carrington Mortgage Services refuses to credit all payments made to my mortgage account. While in bankruptcy ( XX/XX/XXXX ) I received a Foreclosure notice stating that payments for XX/XX/XXXX- XX/XX/XXXX had not be made. I forwarded copies of my bank statements to CMS and they made note of it. By the time this was resolved, my account was in foreclosure and they had stopped taking payments on the account. Inquired to CMS on what to do and was informed that the way to resolve was to request a repayment plan. This was done. I received the repayment plan, but noticed that they repayment amount was very high. When I contacted Billing Dept. they stated they were missing payments on my account. I sent an inquiry to their Research Department asking them to research since the XXXX was discharged and I made payments through XX/XX/XXXX. It was scheduled to start in XX/XX/XXXX. The response I received in XXXX was that all payments had been credited and they were not going to do anymore. However this is not correct. My bankruptcy was discharged in XXXX of XXXX, that means that all parties were satisfied including Carrington. I wasn't able to make payments from XXXX - XXXX of XXXX. At {$940.00} month x 10 months= {$9400.00} behind. Add 6 months to repay going forward x {$940.00} = {$5600.00}. {$9400.00} + {$5600.00} = {$15000.00}. $ XXXX months to pay = {$2500.00} total repayment per month. However CMS calculation is {$3800.00}. ( I was paying {$930.00} per month at that time ) I made 3 payments of the repayment plan which started in XXXX and received a notice on XXXX that I had been sent to Foreclosure again. All of the payments of the repayment plan were not on time. But they took the money and it should be credited to the account.
12/07/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AK
  • 997XX
Web
I am having ongoing problems with getting Carrington Mortgage Services, who just purchased my load in XX/XX/XXXX, to post my XX/XX/XXXX payment correctly. I received my statement today, and it had a {$5.00} overdue payment charged. In XX/XX/XXXX, I paid my normal payment, plus an extra {$100.00} through my normal recurring autodeduct. This payment was deducted as scheduled on XX/XX/XXXX and was not late. I also made an additional payment of {$1000.00} via Carrington 's website. This payment also posted on XX/XX/XXXX. The incorrect posting of the {$1000.00} is the subject of a different complaint, still unresolved. Carrington charges {$5.00} to make an extra payment on the website, and I accepted this fee. However, it is incorrect to record it as an " overdue payment '' when the account is not overdue. I called customer " service '' to discuss this issue, and I was told that Carrington knows the account is not overdue and all fees default to the " overdue payment '' category on the website. This is completely ridiculous. I am not comfortable having a shady company such as Carrington record a bunch of overdue account fees to my ten-years-ahead-of-schedule and never late account. A reputable mortgage servicer should have the ability to differentiate between a fee charged for making an extra payment versus a fee charged for having an overdue account. To complicate things even further, the payment history screen on Carrington 's website is completely unintelligible ( printout attached ). I am receiving statements that are wrong, the website is wrong, and fees and payments are not being applied to the correct categories. They have only had my mortgage for three months, and I am already having a hard time keeping track of the mortgage balance.
10/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • ND
  • 58501
Web
I have contacted both Carrington Mortgage and XXXX XXXX XXXX several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XXXX of XXXX but the date of first delinquency was XXXX of XXXX. The mortgage loan was originally owned and serviced by XXXX XXXX XXXX. It was then transferred to Carrington Mortgage and finally to XXXX XXXX XXXX. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. You will see in the XXXX XXXX Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete Carrington history. Carrington received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. XXXX received the loan in XX/XX/XXXX-XX/XX/XXXX. The 2 were the follow-up letters that I submitted after the CBA disputes were not updated properly. The XX/XX/XXXX XX/XX/XXXX Document shows that the XX/XX/XXXXXXXX XXXX account has been removed due to the 7 year rule but both Carrington and XXXX are still on the report ( pg 11 & pg 16 )
02/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 208XX
Web
1 ) The mortgage servicer Carrington Mortgage Services , LLC has denied the review of Mortgage Assistance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2 ) Carrington Mortgage Services , LLC states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Carrington Mortgage Services , LLC has not provided any evidence of this, other than verbal communication. 3 ) Carrington Mortgage Services , LLC then stated that they would assistance and review any Loss Mitigation Assistance options. 4 ) Carrington Mortgage Services , LLC has instead set a sale date of XX/XX/XXXX Carrington Mortgage Services , LLC plans on proceeding with the foreclosure sale, rather than review our RMA application. 5 ) The actions of Carrington Mortgage Services , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Carrington Mortgage Services , LLC violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX XXXX XXXX XXXX XXXX by not accepting said RMA application. 6 ) This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
05/31/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78753
Web
My mortgage was sold to Carrington Mortgage Company by XXXX XXXX XXXX, which are both from XXXX. The mortgage was sold to Carrington Mortgage in XXXX and I have been trying to work with them for a loan modification. Well in XXXX, I was informed by Carrington Mortgage I was put on a temporary modification which my payments switched from XXXX to XXXX. I immediately informed Carrington on why the increase in which they had no explanation or they did not provide one. So, I attempted to make the payments which were on time until a flood occurred in my home. Once again I immediately contacted our service provider as well as kept them inform of everything going. Soon after that my husband took ill and had to have a transplant while we were located temporarily in a hotel. The transplant took place on XXXX of XXXX with us still trying to pay the mortgage along with the deductible. I then informed Carrington Mortgage I was having problem making the payments and could I go for a permanent loan modification. I have been dealing with them losing my paperwork after paperwork and being told one thing after another. I want help in keeping our home it being our first resident and really don't want to loose it because of miscommunication. Because I feel I have done everything they require and they come up with excuses. Today I was told my paperwork needed to be updated once again after mailing them a package on XX/XX/XXXX. Which they once again stated they did not have and I also have proof of every fax I have sen to them for paperwork requested by them. The customer service reps are rude and really are not knowledgeable. They went as far as to supply false information to get my family hopes to be told the program had not been in affect since XXXX.
05/18/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • GA
  • 30075
Web Older American
I have a reverse Mortgage with Carrington this is a loan that was taken over by another loan company that had gone into default. I desperately need your help and Im asking you to intercede on my behalf. My loan number is XXXX on XX/XX/XXXX XXXX requested a withdrawal of {$10000.00} I was told that a check was just sent in regular mail, on XX/XX/XXXX I have never received the check Ive gone to the post office. They have told me they cant search it without it being certified. I have been calling almost every other day to look at for a resolve I have sent in my direct deposit information so that we could request it and have it immediately put into my account. I was told that my direct deposit information when I called today myself to find out that they did not like the signature that I had on there, I never received information on this had no idea there was a problem with it they have my emails they did commit not communicate with me. I am not sure what signature they are comparing it against. It is my signature. I went to a lot of trouble to get it formed into a PDF and have it sent to the company for this, we are now over two weeks into this whole process almost 3 I have no money from my account and I need help. I am being told that I would need to perhaps have my signature notarized and re-send the PDF again I find all of this to be very subjective and punitive to me. I find it to be unethical and lacked professionalism. It seems as if you were holding my money. Maybe perhaps theres a reason for that the liquidity of your business I am not sure, but I find this to be a poor business practice please get back in touch with me and let me know what you could do on behalf of your company to help me. XXXX XXXX XXXX XXXX XXXX XXXX
10/31/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 22406
Web Servicemember
Carrington Mortgage Company was sent a payment on XX/XX/2016 from XXXX, XXXX XXXX, however continuously called and harass for a payment that was already received. When I spoke with the representative on XX/XX/2016, I was told they did n't receive the payment for XX/XX/XXXX from XXXX, XXXX XXXX XXXX and that was XXXX 's payment they received for XX/XX/XXXX of {$1300.00}. Carrington XXXX has placed negative remarks on my and my wife 's credit report for XX/XX/2016, and XX/XX/2016 for XXXX problems that were not our fault as too why the payment was late. XX/XX/XXXX 's payment was late due the banking error that they admitted to in a letter that was sent us. I faxed the letter to Carrington and was told no negative remark or late payments will be reported to the credit bureau after speaking with the Manager. XX/XX/2016 payment was late due thier website, we attempted to make a payment several timesmall online but their website would not accept one. We called to get assistance from customer service but was unsuccessful due to the lack of support, inaccurate information being given, and u professionalism not given. When we finally decided to just pay from the checking account their system had a clitch in it and we were held at fault for thier mistakes. Carrington 's website does not function properly and encourages customers to use XXXX however when you attempt to use XXXX, issues such as now occur. The customer service is very unprofessional and rude. When you ask to speak with a manager they place you hold for long durations or disconnect the converstaion. Carrington Mortgage needs to be investigated for fraud and damaging people credit for no reason to lock them in to the loan to prevent them from refinancing with someone else.
04/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89135
Web Older American
I have two mortgage loans with Carrington Mortgage Services. The company purchased the 20 year old loans from XXXX XXXX XXXX about two years ago. They reported these loans as 30 days late when there was a problem with their website after I had paid online. That was approx a year ago. Last month I paid payments on both loans on the website as I do every month and they were paid prior to the due date. Last month I went to pay early for XX/XX/XXXX payments and one of the loan shows it was not paid for XX/XX/XXXX. Once again paid both of the loans at the same time on line and got email confirmation of receipt. I called and asked why, they said bank returned the payment, which was a total lie as the bank did not return anything since there was 100 times more than the payment in the account. I called Carrington again, now they have different story after I told them bank did not return pmt, and turns out there was one digit off in the automated system on one account and correct on the other account so the payment did not go through. I was NOT contacted this payment didn't go through or I would of paid it again sooner as I did the moment I found out. I told them this should not be reported to credit agencies as I was not notified. They refused. Further, I have contacted them two times in writing as they are reporting these loans under my name when in fact these loans have been in the name of a corp since loan was made, I mailed them letter and proof the properties were purchase in corp name and so were the loans since day one 20 yrs ago. I faxed and mailed the letter and supporting documents a month ago and again zero response. They should not of ever been reported on my credit. They refused to correct this, not once but twice now.
01/21/2021 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NJ
  • 070XX
Web Servicemember
Carrington Mortgage Services incorrectly reported a late mortgage payment for XX/XX/XXXXthat adversely impacted my XXXX credit score by 131 points. After contacting the servicer over the phone to inquire about the late payment report, Carrington claimed that they did not report any late payment. I was advised to submit a written query to the Carrington Research Department and informed that I would receive a response in approximately 30 business days. I submitted a dispute to XXXX on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I submitted a written request via fax to Carrington Research Department. Further, on XX/XX/XXXX, I submitted a dispute ( Complaint ID XXXX-XXXX ) to the Consumer Financial Protection Bureau, since to date I still have not received a response from Carrington. On XX/XX/XXXX, I received an email notification from CFPB, informing me that Carrington indicated that the complaint lists someone that they did not recognize as their customer or who was not authorized as their customer 's representative and therefore stated that they could not reply. Carrington 's claim is blatantly false. The other party listed in my complaint is XXXX XXXX XXXX, the co-borrower of the loan. I made a follow up call to CFPB on XX/XX/XXXX ; spoke with XXXX ( ID XXXX ) who informed me that Carrington claimed that an email address was incorrect or not on file. Once again, this assertion is false. Both XXXX and I provided our Names ; DOB ( date of birth ) ; Social Security Numbers ; marital status ; cell phone numbers ; and email address on the Carrington RMA application form, indicating that all were preferred contact methods. It appears that Carrington is simply attempting to avoid or to delay replying to my complaint.
06/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 109XX
Web
I am the 3rd part Listing Broker for XXXX & XXXX XXXX. Since XX/XX/XXXX I have been trying to negotiate a short Sale with Lender Carrington Mortgage. Since then I have had multiple offers on the property and submitted them to Carrington Mortgage. Each time the offers where denied. From XX/XX/XXXX till about XX/XX/XXXX Carrington Mortgage finally sent someone out to look at the property. Please note this property Has been on the market over 300 days. The property needs much repair. My last offer was entered on XX/XX/XXXX. When carrington set the appraiser out he asked how much the contract price was. I told him he said after viewing the property that XXXX would probably be high price for this property based on the condition. On XX/XX/XXXX I called Carrington to check status of my offer and the value of the property as per the Appraisal / BPO I was told the value was XXXX. I asked for a copy of the appraisal this way I could show it to the buyer to see if I could work the offer up. I was no problem it would be emailed. Never got it. I called back on XX/XX/XXXX and was told that I could not see the appraisal / BPO. However a asset manager would contact me. I never got a call. On XX/XX/XXXX I got a message on the XXXX XXXX to upload the offer that was already sent to them in XX/XX/XXXX. Then about 1 hour later I got an email from XXXX that the short sale was declined. They did not even Counter the offer. I feel that Carrington is acting in bad faith and not helping in any way the borrowers to avoid foreclosure. Not Providing a copy of the appraisal / BPO is a violation of CFPB rules. Carrington Mortgage is hampering me from doing my job. The appraisal / Bpo is a tool I could use to help get the buyer to that price.
03/02/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MO
  • 655XX
Web Servicemember
My current house was financed through XXXX XXXX, and I have been with them for almost two years. I was always on time with my mortgage and never missed a payment. I put my mortgage on auto-pay, and the money comes out of my account every 1st of the month. However, the company XXXX XXXX XXXX XXXX transferred my loan to a new company called Carrington mortgage services , LLC . I went on leave out of the country from the end of XXXX to XX/XX/2023 ( I have my military leave form to prove it ). I was away for almost two months. I came back on XX/XX/XXXX. So today, on XX/XX/XXXX, I was expecting the mortgage to be taken out of my account, which did not happen. So I started going through my transaction history when I noticed that XXXX, XXXX, and XXXX payments were not made, so I immediately called the XXXX XXXX mortgage, who transferred me to the Carrington mortgage services , LLC . They said they have been trying to reach me through the phone, but there has been no response. So they went ahead and submitted a bad credit report that will affect my credit score in the future. The fact of the matter is that I never received any calls from them, and when I found that there was an issue Immediately called to solve the issue. I tried to avoid missing payments, so I set an auto pay. I want this negative credit report removed from my credit because I did not intentionally miss my payment ; I thought the payment was still going through until I found out today that it was not. I immediately called to fix the situation. There was a communication problem during the transfer between the two mortgage companies, and it would be unfortunate for me to be penalized for something I did everything to prevent. I appreciate your consideration
09/13/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 507XX
Web
My Loan is with Carrington Mortgage. # XXXX. I have owned my home for XXXX years, since XX/XX/XXXX. When it got sold to XXXX I have had nothing but horrible service. I got behind a couple months on my mortgage due to starting a new job, and going thru a divorce. My mortgage used to be : {$760.00}. I paid XXXX XX/XX/XXXX, not a full payment on XX/XX/XXXX ( I paid XXXX ), On XX/XX/XXXX, I paid XXXX, on XX/XX/XXXX, I paid XXXX, on On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid TWO payments of XXXX to 'get caught up ' and on XX/XX/XXXX I paid XXXX for XXXX thinking THAT CATCHES ME UP. Nope it still didn't. Oh and by the way, they raised me to XXXX from XXXX stating that it was because I needed a bigger escrow cushion due to me being late before. I paid XXXX on XX/XX/XXXX, and paid ONLINE for XXXX of {$920.00} ( to include a late fee ) and they said I 'was one number off on my acct number so they never took it ) that is not true because I don't even enter my acct. number each time I pay, its SAVED!! I didn't know the bank didn't take it either until I went to pay XXXX XXXX for XXXX and find out I am now 2 mths behind and they tell me I have incurrec {$400.00} in late fees!! This is so fraudulent on so many levels. I also got a letter from them yesterday called " intent to foreclosure. ' saying they will only take XXXX and nothing less and it has to be paid in 30 days from the date of the letter or they are taking my home. Which I know has been their intent since they bought my mortgage. XXXX of the XXXX is late fees ... I should be able to pay my XXXX but they are not allowing me to. I am beyond upset. I have about 2 mths left until my divorce is final and this is all so stressful. I can't lose my house over this.
04/28/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33810
Web
On XXXX/XXXX/XXXX, I faxed Carrington Mortgage a request to have XXXX ( 30 ) day lates removed from my bureau reports. The payments were not thirty days late. The XXXX payment was phoned in on XXXX XXXX, XXXX and the XXXX payment was phoned in on XXXX XXXX, XXXX. My payments have always been made at the end of the month since inception with XXXX Bank in XXXX. I explained that my credit score was XXXX on XXXX XXXX, XXXX and it dropped to XXXX by XXXX XXXX, XXXX due to Carrington 's reporting. The XXXX payment did not report until XXXX. I called Carrington several times and told them I am a XXXX patient and the drop in my credit score has created undue hardship for me. I am not able to refinance my home to bring the payments down or secure transportation to my doctor appointments XXXX miles away. The Carrington supervisor encouraged me to wait for a response from Carrington before contacting the bureaus, because it would slow the process. Thirty-four days later, on XXXX XXXX, XXXX, Carrington finally told me via the phone they refused to remove the thirty days late, because the payments were not immediately applied. I still have nothing in writing. During this time I made the transition from a teacher with 15 years of service XXXX XXXX payroll to Social Security and long term XXXX income, but I always made payments prior to thirty days late. This organization is ruthless. I believe they destroy people 's good credit to attempt foreclosure on them. There lack of courteousness and unwillingness to provide customers with experienced contact resources in applicable departments is testimony to that. Carrington Mortgage does not care! These people are in the business of debt collection and real property acquisition.
09/02/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • XXXXX
Web
Storm damage to the property in XXXX of XXXX, led to an insurance claim. The proceeds from the claim check needed to be signed by the mortgage company Carrington Mortgage, and they KEPT THE CHECK. There was a second check cut, the first was for XXXX XXXX and XXXX XXXX XXXX the second was for over a XXXXXXXX XXXX due to MORE DAMAGE done at to claim due to lack of repairs. This check too was kept by Carrington saying, " ... .because we have a financial interest in the property, we need to monitor the repair process. '' However, with no money down, and no action on their part to pick a contractor that falls to me, and I couldn't find a contractor since I have no money to put half down to get started. Eventually, we found XXXX XXXX, who kindly agreed to send all of the paperwork requested by Carrington Mortgage. Bids, Insurance, licenses, all sorts of stuff were delivered, and Carrington admitted in a phone call last week that they had all of the material they needed since XX/XX/XXXX. They said they needed 5 days. That was two weeks ago. I was told yesterday the XXXX, that they may have made a XXXX XXXX XXXX withdraw from the account, as if, that would equal anything!!! It's not half of anything, it's not all of anything, it's a random amount that gets nothing done, like the process they've been monitoring for 10 months. I want ALL THE MONEY to hire or fire whom ever I want to get my roof fixed. Carrington Mortgage is interfering with the contractual completion of my insurance policy by usurping the construction process and denying me my promised contractual proceeds in response to a covered properties damage as defined and assessed by an accredited agent of the company, XXXX XXXXXXXX XXXX XXXX
01/14/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OK
  • 74133
Web Older American, Servicemember
I refinanced a mortgage held by Carrington Mortgage Services LLC to another financial institution in XX/XX/XXXX. I closed the refinancing on XX/XX/XXXX ; the funding was completed on XX/XX/XXXX. On XX/XX/XXXX I contacted Carrington 's customer service department. During that call Carrington told me I was owed {$2200.00} by them and that I should receive a check for that amount in " 15 to 20 days. '' I asked to clarify that time frame further and was told to expect the payment by XXXX at the earliest and XXXX XXXX XXXX XXXX at the latest. I have now waited more than 23 business days and 36 calendar days -- and still have not received the {$2200.00} Carrington owes me. I have called Carrington 's Customer Service department several times ( weekly ) and all Ive gotten are excuses. I was told the check for my {$2200.00} was printed on XXXX XXXX ( XX/XX/XXXX ), and then later told it was printed on XX/XX/XXXX. I was later told the check number ( # XXXX ) and that the checks in the mail. I was later told checks take a long time to get out of the building and remember, theres lots of returns being made after XXXX so the Post Office is really busy and the checks go snail mail and its really slow as a snail. Ive been told to ask the mailman where it is. Ive been told to wait another week, and to wait another week and to wait a few more days and that you dont want to report that check missing, because then we just have to start the process all over again and it will take at least 30 days before another check is sent. It appears Carrington is deliberately slow-rolling the process of refunding money due to their customers. Request your assistance in recovering the money due to me from Carrington.
08/14/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • KY
  • 401XX
Web Servicemember
In XX/XX/2023, I received notification that I was late on a payment which is impossible because I have bill pay through my bank XXXX in the amount of {$1300.00} which was the required amount monthly. They received that amount and did not apply it to my mortgage and instead reported to my credit that I was 30 days late when they had the money in escrow to pay. Spoke with the representatives, & was told that there was an analysis done which resulted in the increase unbeknownst to me. I asked for some grace, seeing that I wasn't notified due to the fact that I am a Service Member who was not home due to the demands of my occupation. They said no. The balance was paid and I was told that my new mortgage payment would now be {$1400.00}. Bill pay in that amount was established and the payments were made. Fast forward to XX/XX/2023, I receive. notification that Carrington once again has reported that I am late, 30 days. As of XXXX, they have been receiving payments in the amount of {$1400.00}, Plus on XX/XX/XXXX, I made a payment in the amount of {$1500.00} per the conversation I had with the representative saying what was due. However, these people still reported my account as being 30 days past due when they had the money and their representative advised me that the new amount that would be due is $ XXXX monthly which is what they receive. Called today XX/XX/XXXX, and was told that they've yet again conducted an escrow analysis which is the second one in a calendar year explaining the increase. And again I was not informed by anyone on their staff. Instead, the representative offered no assistance but insisted that I make the payment today and sign up for bill automatic payments with their bank.
06/27/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32504
Web Servicemember
I'm a new Carrington mortgage customer. My loan was transferred earlier this year. I've had trouble making my payments to them because they will sit on checks sent from other financial institutions too long before processing. This happened to me twice in XXXX XXXX so now they won't let me pay by check. In each case, they sat on the checks for longer then ten days. If the checks were processed in a normal amount of time, the funds would have been in the account. When I called in XXXX to discuss why they take so long to process, the gentlemen said that's not the best way to pay them because they take so long to process. Now I only have the option to send secure funds through XXXX XXXX or money order. Money order isn't a good option for me because I travel out of the country often. Now when I send the funds through XXXX XXXX, it costs an additional {$50.00} to pay the bill. This company operates like a mom and pop grocery store that doesn't accept credit or debit cards. They want you to setup automatic payments from them to other financial institutions, but the way they operate, I don't trust them with sharing any other account information from my banks because I would bet that they also don't do a good job with information security the way they operate. I did not have trouble paying my previous mortgage company and paying this group should not be this difficult. I spoke to an agent and then was transferred to XXXX on the escalation team today ) XX/XX/23 and she was unhelpful and blamed all this on my late payments in XXXX XXXX. I shouldn't be forced to deal with the hassle of sending certified funds because Carrington mortgage sits on checks received like hens waiting for eggs to hatch.
07/16/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75126
Web
On or about July 2/3, 2019 I called Carrington Mortgage to advise I would be send one full payment and a partial payment which would be enough including what was in a " holding '' account to make a full payment. I spoke with a XXXX. I was told I would need XXXX to make two full payments. I was also advised I would not have to pay late fees at this time and the money would go to my mortgage payments which would leave me owing for XXXX, 2019. On XX/XX/2019 I paid through my online banking XXXX, thinking I would have a little left over in the " holding '' account. On XX/XX/XXXX I called Carrington Mortgage and was told I owed for XXXX and XXXX. I advised this was not true and got very upset. The rep then told me she did not understand but that there was a full payment in the " holding '' account and that XXXX had gone to late fees, which I was told previously I would only have to worry about catching my house payment up. The rep advised she would send in something in order to have the XXXX payment processed. Today I observed in my online acct that did take XXXX out for late fees. Today, XX/XX/2019, I received two calls at XXXX XXXX, one call at XXXX XXXX, and one call at XXXX XXXX in which I finally answered and was told my account was in default. I have already been scammed by someone claiming to be my mortgage company and I am not in default with my mortgage as I owe for XX/XX/2019 at this time. The guy said he was with Carrington Mortgage and I asked why he called me 4x in a row and he said he was collecting a default mortgage. This is harrassment from this company and the fact that they did not give me credit for one house payment but took late fees from it, is also a big problem for me.
11/08/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web Servicemember
In response to the COVID-19 pandemic and home retention issues affecting veterans with VA guaranteed loans, during XX/XX/XXXX the VA released Circular XXXX VA Home Retention Waterfall/ COVID-19 Home Mortgage Relief Program. The Circular clearly instructs mortgage servicers on processes to evaluate each borrower based on their loan status and eligibility to provide options that will assist the veteran in retaining their home through loan modifications and other forms of financial assistance. For over a year I have been requesting that Carrington consider my loan for each of the programs detailed in the Circular in order to offer me an unbiased and reasonable home retention plan/loan modification offer. To date, Carrington has refused to acknowledge my requests to be considered for programs under this Circular that go as far back as a XX/XX/XXXX. Further, in their XX/XX/XXXX letter regarding the review of my mortgage assistance application Carringtons underwriters neglected to apply the directives in this Circular when evaluating my mortgage assistance application. Carringtons acts have affected my ability ti refinance my home to lower monthly mortgage payments as mortgage interests have doubled since XX/XX/XXXX. XX/XX/XXXX interest rates were 3.5 % and now mortgage interest rates are over 7 %. It is imperative that Carrington allow me to to advantage of this program immediately as the program/Circular expires early XXXX specific waterfall Covid relief program expires early XXXX. Carringtons refusal to acknowledge that this program exists and to review its offerings to determine my eligibility is obstructing my access to federally funded programs that my husband is entitled to as a veteran.
08/12/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08234
Web
We did a mortgage modification because we could not afford the payments of approx. {$1600.00} a month that became final on XX/XX/19 with the new monthly payment of {$1400.00} beginning XX/XX/19. On XX/XX/19 I called Carrington Mortgage to see if I could make the XX/XX/19 payment early, I spoke to XXXX who then told me that the payment was now {$1500.00}. I explained to her about the Modification however she said that is the amount in her system of the payment due. On XX/XX/19 I called Carrington again to ask what the payment amount is and first spoke to XXXX who told me {$1400.00} but then transferred me to XXXX who told me we owe {$570.00}. I was then transferred to XXXX who then tried explaining that they did an Escrow Analysts and came up with these new figures. She then stated that if I had a " Conventional loan '' they could work with the numbers but since it was a FHA loan they couldn't. Then on XX/XX/19 we received a monthly mortgage statement stating that we owe {$2000.00} for the month of XX/XX/XXXX. We are very upset that we haven't even made our first payment yet and the amount has changed several times. Why wasn't an Escrow Annalist completed before the signing of the modification? We do understand that escrows change from time to time but we know for a fact that neither our taxes nor our insurance have went up since the signing of the mortgage modification on XX/XX/19. Had the analysts been completed prior to the agreement of the modification we would have had a better understanding of the monthly payments due. At this point the modification was basically useless because our payments are right back to not being affordable before we could even make the first payment.
08/02/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 779XX
Web
I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND PROVIDE ALL INFORMATION TO MY SERVICER, THEY HAVE REPEATEDLY REQUESTED FOR MY TAXES WHICH I HAVE CONFIRMED ON EVERY CALL THAT IT HAS BEEN RECEIVED. I SPOKE TO A SUPERVISOR WITH THE TELLER ID # XXXX AND WENT OVER THE TAXES WHICH WAS CONFIRMED RECEIVED. I HAVE LOST MY XXXX 'S SO I HAD TO REQUEST TRANSCRIPTS FROM THE IRS WHICH CLEARLY STATES THAT I FILED XXXX TAXES WITH MY NAME AND SS #. THE SUPERVISOR I SPOKE TO DIDNT KNOW HOW TO READ TRANSCRIPTS BECAUSE I WAS TOLD MY NAME WAS NOT IN IT SO I HAD TO POINT IT OUT, THEN STATED MY SS # WAS NOT ON IT SO AGAIN HAD TO POINT IT AND LAST QUESTION SHE ASKED WAS I DONT SEE THE TYPE OF TAXES YOU FILED SO AGAIN POINTED OUT WHERE TO LOCATE IT. I CANT BELIEVE THAT A SERVICE OF MY LOAN DOES NOT KNOW HOW TO READ TRANSCRIPTS.. THIS IS MY HOME AND THEY ARE IN CHARGE OF MY LOAN, XXXX HELP US ALL. THIS IS WHY XXXX HAPPEN DUE TO CFPB AND FTC NOT REGULATING WHAT THE LENDER IS REALLY DOING. THIS IS SO ABSURD THAT I HAVE TO EXPLAIN TO THEM HOW TO READ TAXES!! I WAS NOT IN FORECLOSE UNTIL XX/XX/XXXX AND THESE TAXES HAVE BEEN CONFIRMED RECEIVED SINCE XX/XX/XXXX WHEN I FIRST APPLIED. CARRINGTON MORTGAGE HAS PLACED ME IN FORECLOSURE WHILE I HAVE BEEN IN COMPLIANCE WHICH MEANS THEY ARE NOT IN THE BUSINESS OF SERVICING THE LOAN THEY ARE IN THE BUSINESS OF TRYING TO FORECLOSE ON PROPERTIES FOR THE INVESTORS THAT HIRE THEM. I JUST SPOKE TO XXXX XXXX ID XXXX WHO CONFIRMED AGAIN THAT THE TAXES ARE THERE AND SHE SEES THE NOTES OF THE PREVIOUS SUPERVISOR TELLING THE INTAKE TEAM WHERE TO LOCATE LEGAL DOCUMENTS PROVIDED BY THE IRS WHICH THEY ARE IGNORING AND DOING WHAT THEY PLEASE. MY ASSIGNED POINT OF CONTACT XXXX XXXX ID XXXX
04/07/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34667
Web Older American
My mortgage was sold to Carrington Mortgage Services by XXXX back in XXXX of 2015. Until that point I had always been on time with my mortgage payments. In XXXX of 2015 I became late on my payment after I made the payment on line but XXXX the account number by XXXX digit so the payment did not go through. I did not realize my error and evidently neither did Carrington because I did not get notified by them for more than 30 days and then my notification came by US Mail, not a courtesy email or phone call, although they had my email and phone number, but they used snail mail. By then I was over 30 days late so a credit report entry was made. To compound matters, they then took my XXXX payment which had been made during the waiting time and applied it to XXXX without telling me that is what they did, and subsequently my XXXX payment became over 30 days late of which I was also not notified in a timely manner, another credit report entry. No phone call, no email, just another XXXX Mail letter, way after I could do anything about it. I finally found out about the XXXX payment so I quickly reauthorized it on line to stop the cascading of late payments. The company has been absolutely un-caring about the situation and unwilling to work with me on it, even though I had obligated all of the money necessary to make all the payments on time and only by a random keystroke mistake was I even late in making the first payment. They also refuse to acknowledge that they share at least part of the responsibility since they took so long to notify me that my payment was late. I am searching for the correct state and federal agencies to work through to ensure this company gets the attention it deserves.
10/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • FL
  • XXXXX
Web
Carrington mortgage force placed insurance on my loan XXXX i already had insurance through my hoa. CMS. Carrington, added XXXX. XXXX on my monthly payments in XXXX, send me to foreclosure for the overcharges of insurances and violated the hardship not applying forbearance and repayment plan after the hurricane in XXXX in Florida XXXX XXXX, mortgages were not sending to forclosure carrington supposed to help owners after huracan, l lost my business, it got shut down the building, for 3 months, due to flood and damages And carrington send me to forclosed my account charging me extra XXXX. Force place insurances that never was corrected properly it was still overcharges erros. I called for 2 years for correction and erros negligence, I paid a lawyer to modify my loan XXXX. Carrington didnt modify the loan actually send me to foreclosure Ruin my credit for 3 years. I hired another lawyer that charged me XXXX. and more to fight foreclosure within 3 years Carrington didnt offer me loan modification correct loan or repayment plan, nothing l want to take legal actions for mental stress, l was finishing paying loan In 10 years at that time XXXX,. Not now they took me out my good loan put me in a longer 20 year or more more money more charges. Didnt put loan on forbearance on XXXX did nott offer nothing. After pandemic actually ruin my credit more charging fees in XXXX XXXX while payment on phone etc. is a predatory mortgage violated rights as a consumer and more mental stress and l lost XXXX more on lawyers. I need that money to paid morgage not lawyers. Total Negligence not offers of modification and forbearance and ruining the credits after the covid pandemic. Total abused XXXX XXXX
03/20/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • OH
  • 44128
Web Older American
XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ) during bankruptcy, failed to acknowledge payments. XXXX address XXXX XXXX XXXX, XXXX, Michigan XXXX after bankruptcy & ignoring complaints. Changed company name to " Carrington Mortgage Services LLC '' XXXX XXXX XXXX also in XXXX XXXX with SAME Phone # XXXX XXXX XXXX Carrington & XXXX SEEM TO be the same people with XXXX XXXX XXXX XXXX, XXXX Using different LLC company and abusing bankruptcy to escape liability. There is no proof that either XXXX or Carrington are authorized to service the mortgage or to charge extra fees & interest, while refusing payoff of the mortgage. I'm filing this complaint as " Proof of Claim '' against XXXX as guided by the XXXX XXXX XXXX Bankruptcy Letter I received from XXXX. In XXXX, XXXX XXXX XXXX XXXX XXXX ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX , despite XXXX being registered as the lien holder. After a complaint XXXX & XXXX was filed with CFPB, XXXX insisted they are no longer responsible for mortgage stating that XXXX XXXX XXXX XXXX XXXX ) bought out the loan. There is NO record of XXXX registered with OHIO as a lien holder. XXXX bank account at XXXXXXXX XXXX ( Acct # XXXX ) was CLOSED when I paid the mortgage off in full. XXXX filed for XXXX XXXX Bankruptcy & I was given until XX/XX/XXXX to file a claim agaisnt XXXX. XXXX denied they had the Lien previous CFPB complaints therefor, I am requesting XXXX send a Notarized Letter of RELEASE OF LOAN # XXXX ( XXXX Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Attached Files shows PayOff the mortgage in Full from XXXX XXXX to XXXX, XXXX Bankruptcy Letter
07/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AR
  • 72223
Web
Our mortgage was sold from XXXX XXXX XXXX to Carrington Mortgage LLC. It has been a nightmare since then. They apparently applied our first payment to the wrong account because they state we have been behind from day 1. We never had any problems with XXXX. We signed up for autodebit on the XXXX and XXXX of each month. They would debit our account prior to those dates which meant prior to payday! Most people are paid on the first and fifteenth! Most recently, I lost a job which is our secondary income due to COVID. I work in XXXX which all closed due to COVID. Carrington offered a Forebearance plan for 90 days which I applied for and they approved. Upon completion of the 90 days I was to be notified how to resume payments. My choice was to do a repayment plan which was one of the options they offered. I called countless times and they were to send me paperwork for a repayment plan. OR they wanted all 90 days payment upfront to bring the account to date. I seriously doubt anyone who's job was affected by COVID can come up with 90 days worth of Mortgage payments. I for certain can not. Now we have received foreclosure notice. What kind of company sends a foreclosure notice when someone is making the effort to establish a repayment plan?? I have read reviews on this company and they are doing the same thing to literally thousands of homeowners. Someone needs to stop them. We are in a pandemic. What kind of company threatens foreclosure during this time? Also, I have made two payments which they accepted in XXXX since the forbearance ended so that shows good intention on my part. Please advise. This company needs to be dealt with for how they treat homeowners. XXXX XXXX
09/27/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 91325
Web
I received correspondence today XXXX/XXXX/2016 from Carrington Mortgage in the name of my ex-wife only. Please see attached correspondence addressed to my ex-wife labeled " Carrington Mortgage 1 ''. When I called Carrington Customer Service at XXXX XXXX XXXX XXXX to request that correspondence be mailed to me as the primary account holder, I was advised by the telephone service representative to re-finance my mortgage! I simply wanted to have correspondence addressed correctly to me. When I stated my request again, the telephone service representative spoke with the " senior specialist '' XXXX in the Indiana branch ; XXXX ID number was XXXX. The telephone service representative advised me that XXXX advised her of the same thing : for me to re-finance my mortgage! This telephone conversation occurred on XXXX/XXXX/2016. My XXXX mortgages with Carrington Mortgage were recently sold to Carrington Mortgage by XXXX XXXX XXXX, and in the approximately 10+ years that my mortgages were at XXXX XXXX XXXX , I never once received correspondence from XXXX XXXX XXXX XXXX my ex-wife 's name. I am writing this complaint to demand that Carrington Mortgage properly and legally address correspondence for my XXXX Carrington Mortgages to me as the primary account holder or be addressed in both my name as my ex-wife 's name as was done in recent correspondence by Carrington Mortgage. Please see attached document labeled " Carrington Mortgage XXXX ''. It came as a shock for my wife to see correspondence addressed to my ex-wife at my home address ; also for legal notification purposes, as the primary account holder, my name should be addressed on all correspondence from Carrington Mortgage.
04/05/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • WI
  • 540XX
Web
I am trying to work with Carrington Mortgage to refinance my house due to my recent divorce. I started the loan process a couple weeks before my divorce. The took my information including phone number and email address. The mortgage company set up my refinance loan under my name and sent all the documents to my ex-wife 's email address and phone number. I have asked my loan officer 5 times to change my email to the correct email. To this day this has not been changed. We are legally separated now and they are sending important documents to the wrong person. I was also notified by Carrington that they have a Loan assumption program for the USDA loan. That is what my current loan is. They advised me to send a fax requesting the " package '' to be sent to me. That was two weeks ago and I have not heard or received anything. I then asked my loan officer about it and she informed me that they do n't have that option. I looked online and USDA does offer that package between myself and the lender. They are currently my lender so I should be able to assume the loan. They are also asking for an appraisal after I just had one done less than a month ago and submitted it to them. To top it all off I have called the business on many occasions asking for a call back and have not once received a call back in regards to my questions. I have a deadline to refinance by XXXX XXXX according to my divorce decree. I am afraid that timeframe will not be met based on the interactions I have had with this company. Between the lies, lack of communication or no communication for that matter I am getting frustrated with the process and do n't want to lose my home based on their performance.
05/19/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 27284
Web Older American
( 1 ). In response to Carrington responding that they can not respond because an individual is on the complaint, which is another delay tactic several individuals have been on calls to the company and communicated regarding the mortgage payments increase and this is their continued attempt to delay responding. So, there is no more delay only the mortgage holder is on the complaint! I have uploaded an authorization for my daughter XXXX XXXX who has always assisted with any communication. ( 2 ). I am requesting a complete audit showing how a 4 % fixed mortgage with a senior citizen exemption comes up to {$1700.00} monthly ( current balance is {$150000.00} ) ( 3 ). I am asking that the Mortgage company justify an increase of the mortgage from {$1300.00} to {$1700.00} monthly the property taxes and HO Insurance did not increase by nearly 30 % ( 4 ). It is the contention that Carrington Mortgage is unjustly increasing customers mortgage payments to cover their shortages which is a result of their negligence and current lawsuit enforcement of which they are required to pay not their customers. The unjust increase in mortgage payments is unethical and illegal. Continued Complaint Carrington Mortgage is not making any attempt to assist their customers. 1. XXXX XXXX XXXX no assistance all they did was forward complaint 2. TAX service no assistance all they did was talk in circles and provide conflicting information 3. Online/phone portal has multiple glitches and does not allow adjusted payments or enter in any response XXXX. When you do get a live person, they are not willing to assist you, they want you to pay your balance if not start threating foreclosure.
02/06/2023 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 242XX
Web
During the summer, I was in the process of a loan modification with Carrington mortgage to bring my home in XXXX out of forbearance from XXXX relief. While in the process, the mortgage lender kept changing the documents they needed, who needed to sign, etc. They insisted I reach out to my abusive ex-husband and beg him to sign a quit claim deed because this had not been done upon the divorce and the judge 's orders from the divorce weren't " clear '' indicating that the house had been left to me during the dissolution of marriage. Throughout this traumatic, XXXXtriggering process, I did have to contact my ex-husband, who is now sending me threatening emails again. I also kept Carrington informed of every step I was taking in trying to get this man to sign the documents they had requested. I did eventually get the documents from him, sent them to the court an got everything filed and sorted. Still Carrington reported me as delinquent, which has absolutely decimated my family 's finances. Once creditors noticed the delinquency, they began to lower my credit allowances, thus raising my credit usage ratio and making me a " high risk '' for all borrowers now. Please note, I never did not pay when I was told to pay. I was told countless times to " wait '' because the paperwork was not legally correct yet. All I'm asking is for them to remove the delinquency as I was, in good faith, right in the middle of the process of a loan modification. I have dates of all the various phone calls, copies of emails from various employees about the issue and I just need this fixed already. I tried filing with the XXXX but they recommended filing here stating it was a CFPB issue
04/22/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 622XX
Web
Please do your duty. I had submitted a complaint in XX/XX/2020 and i was told by the agent that CFPB closed my complaint. That complaint was never settled. The Mortgage company failed to follow rules allowing proper time to read, sign and allow legal representative to read for law abiding consumer protection reasons. CFPB Case XXXX. That was never settled nor was a response received. Carrington Mortgage LLC has continued to abuse consumer contract laws. My information was complete for the loss mitigation packet on XX/XX/2020. The enclosed letter proves. As I waited for the response a letter arrived from The mortgage company stating a lie that I cancelled my loss mitigation. And it continued to state I no longer wanted my home. This letter was not true. I never cancelled my loss mitigation. The Mortgage company is trying to use COVID-19 scam. I never requested covid-19 assistance. My XXXX is consistent and covid-19 did not impact it. The improper & wrong cancellation letter implies I cancelled my loss mitigation. That is not true as I never cancelled it. The enclosed letter states what I am explaining. I never implied that I did not need my loss mitigation or that I was not wanting my home. This company is mis stating information that is false. My information is still on the XXXX XXXX server and is valid for 90 days and the letter is not expired as you can read. Please look into this. My loss mitigation is needed and I never cancelled my need. Please look into this. I am insulted to know you ignored my need in the XXXX complaint. Please stop with the intimidation to my poor life. I still need my home. Please do your consumer duty I am a XXXX human being
07/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 27217
Web Servicemember
My mortgage loan was sold to Carrington Mortgage. They are suppose to be applying the loan modification to my account to bring it current. They have refused to do this. They have had my loan for almost 6 months now. They also put me in a Covid-19 program. I never asked to be placed in this program, I never signed up for it!! They have threatened to foreclose on my home. I started making payments in XX/XX/2021 based on the loan modification set up with XXXX XXXX XXXX, I have been paying. Carrington Mortgage sent a letter today saying the Covid-19 program I signed up for has ended, they have been reaching out to me about making payments on my mortgage???!!!!! They have not reached out to me I have bene reaching otu them since day 1 and not one has helped me with getting the loan modification applied to my mortgage to bring the account up to date. I have spoken MULTIPLE times to XXXX XXXX with Carrington Mortgage. She initially told me they dont have the loan modification, I faxed what I had more than 50 times to them. She now says oh we have it, wejust needs to be processed.?? I feel like they are trying to take my home by not processing the loan modification. I got the letter about the covid-19 program today. That disproves anything she has told me. I need HELP. I am doing the right thing I am making payments like I should Carrington Mortgage and XXXX XXXX have horribly mishandled my Mortgage. They should not be able to get away with this. I feel mostly that everything they tell me is a lie. They are trying to take my home. I am stressed, worried daily. I have XXXX and XXXX with all of this. I am trying to do this on my own with not results. HELP ME!!!!!!
06/22/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 31419
Web
Date : XX/XX/XXXXFrom : XXXX XXXX : Unfair and Premeditate re-modification practices Carrington Mortgage ServicesTo Whom It May Concern, This a complaint of unfair practice with re-modification regarding Carrington Mortgage Services. I received the final Modification proposal from Carrington Mortgage Services on XX/XX/XXXX.Prior to the modification agreement, I was paying trial house payments of XXXX from XXXX, XXXX XXXX, and XX/XX/XXXX. the previous loan agreement had the escrow included with mortgage insurance and property taxes. Unknowingly, when I received the final loan modification from Carrington Mortgage Services. I did not know that the new modification included the interest and principle ONLY making the new monthly loan XXXX .Also, being responsible for the escrow of housing insurance and taxes. I found this out when after receiving other notices form Carrington mortgage which I will enclosed with this complaint. Moreover, the real purpose for this unfair practice and premeditated maneuver is that prior to Carrington Mortgage Service assuming form the previous intercessor, XXXX XXXX XXXX. I was battling a complaint for predatory lending with them and had file with a Law Firm to obtain re-modification like so many other disadvantaged home owners. I did not pay my mortgage after having to pay law fees and the previous misses payments with multiple interest is {$36.00} accrued by Carrington Mortgage company. I will enclose evidences and motive for this unfair re-modification by Carrington Mortgage. In addition, I had already filed a complaint pervious to this on former file number:XXXX Thank You for Your cooperation in this matter, XXXX XXXX
11/19/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • XXXXX
Web Older American
I have tried to reach out to Carrington mortgage several times to resolve this matter and I got a note back theyre going to wait 60 days, as I stated earlier, they are trying to play a game to try and say I default it. Im also going to the New Jersey division of banking which also governs companies like theirs. I already told them that theyre going to try to go wait till the XXXX of this month and then say Im two months behind, which is not true because the online payment is on the way, and I only owe them to Payments till the end of the year. the evidence has been presented to you also to the FHA to my attorney, the New Jersey XXXX XXXXXXXX, and now Im going to turn over this information over to the local television programs to expose their fraudulent action. Somebody must stop there on ethical behavior, I want this information published everywhere because Im quite sure they have done this or theyre trying to do it to other people. It does not take 60 days to take some papers from one office to another, as I said, I dont know what goes on in that back room, but about time it gets exposed on the television said they should resolve this matter for me before 60 days. Please publish this information so other people can see how Carrington LLC operates. Perhaps it will be expose on the television first because this is ludicrous no reputable bank or no reputable organization takes that long to do a math problem. they should stop trying to act like loan sharks and start behaving like reputable business people if they go to my attorney by the XXXX I know that they are lying and I have already alerted him and Im also going to the press about this matter.!!!
01/14/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 284XX
Web
The payments that I call in to my mortgage company ( Carrington Mortgage ) continue to be placed on another persons account. I first noticed this happening in XX/XX/XXXX. At that time I spoke with several people at my mortgage company who admitted the mistake. Nothing was done and I went around in circles. I wasted my valuable time and suffered with much stress over this. The issue was finally resolved in XX/XX/XXXX. At this point I thought this was a fluke and it would not happen again. I then called in a payment on XX/XX/XXXX and then two payments on XX/XX/XXXX. At that point I still took it for granted that my payments had been placed on my account for the mortgage of my home. Today, XX/XX/XXXX I called in another payment. When I called this payment in they told me that I wass in arrears XXXX, XXXX, XXXX and XXXX. I was transferred to a specialist named XXXX. XXXX found the payments and told me they were once again applied to another account. I expressed my distress and told her that I have already been through this one time before. The previous lengthy process created much undue stress, wasted my valuable time and negatively impacted my credit. XXXX told me that was in the past and not her concern. Her lack of empathy enraged me. The phone conversation ended with XXXX stating that she would pass the information on to her supervisor. I asked for her supervisors contact information and she told me that she could not give it to me. I then asked when her supervisor would be in contact with me and she stated it would be within 24 hours. I did hesitantly make another payment today while I was on the phone with her and got my confirmation number.
06/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 20152
Web
In early XX/XX/2020, I was contacted by a lender asking me if I was interested in refinancing my mortgage. They offered me an interest rate of 3 % with approximately $ XXXX in closing costs to be paid by me. I then reached out to my current mortgage holder ( Carrington ) and told them about this. They told me that they would be able to offer me an interest rate of 3.25 % with XXXX closing costs to be paid by me. I decided to go with this option. On XX/XX/2020, I sent them all the required paperwork in order to lock the rate in. I communicated with them over the next couple months, sending them whatever documentation they needed. Then, on XX/XX/2020, I was sent an email from Carrington which stated : It turns out we had to deny the loan out. Fannie Mae and XXXX XXXX have ceased allowing rate lock extensions on Conventional loans due to the effects COVID-19 has had on the market. Unfortunately with how backed up processing has been, we were not able to meet the rate lock deadline. The rate lock then expired, therefor we lost the interest rate we had locked in place for you. I apologize for this, as it was not my anticipation when we had started this for you. I would say we could start over, but again, the market is not where it was when we started, and we would not be able to achieve the same rate without charging you a boatload of points. When things die down, and this whole thing is over you will be the first person I call to get this going for you again. Let me know if you have any questions. My complaint here centers around the fact that they talked me out of a deal with the other lender, and then backed out after over two months of waiting.
10/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43081
Web Older American
Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. TODAY, XX/XX/XXXX, I learned for lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX according to XXXX, she sent him an email saying that XXXX had purged my account from XXXX 's data base which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file and purged and Carrington said they did not asked to haver their trade line purged from my account. I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
12/10/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29414
Web
I bought a house XX/XX/XXXX for {$220000.00} I had a credit score of XXXX/XXXX, I was put into an FHA loan because I was told that I only had 10 % down payment. XXXX XXXX XXXX bought the loan@ 3.625 % ( until XX/XX/XXXX ) they transferred the loan to Carrington Mortgage XX/XX/XXXX/XX/XX/XXXXBalance was {$180000.00} before payment of {$1300.00} on XX/XX/XXXX. Carrington Mortgage took over w 1st payment starting XX/XX/XXXX@ 3.625 % ( until XX/XX/XXXX ) ... XX/XX/XXXX intrest rate went up to 4.625 % New payment was at {$1400.00} then dropped to {$1400.00}. I had contacted them in XX/XX/XXXX about removing my PMI due to the equity/value of my home & received a letter back From Carrington mortgage stating premiums are set to cancel XX/XX/XXXX based on original closing documents or per Hud principal balance must reach a {$170000.00} in order to qualify for early cancelation current principal balance is at {$180000.00} I have contacted them again and no response. As of my statement Date XX/XX/XXXX payment due date XX/XX/XXXX my principal balance was at {$170000.00}. My current principal balance as of XX/XX/XXXX is a {$170000.00}! My house is currently valued at {$260000.00} ( without any of the upgrades I have done ) Not only have they not removed my PMI but on several statements they're showing " past due balance '' {$5.00} or {$10.00} Which is what they actually charge to make a payment online with your checking account. They are continuously sending emails, mailings and calling wanting me to do a refinance on my house. Please Help! I have contacted my lawyers to contact them and they have not responded to my lawyers. Where do I go from here?!!?
04/08/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33018
Web
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : CARRINGTON MORTGAGE SERVICES, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : 11, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
08/16/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • CA
  • 926XX
Web Older American
Carrington Mortgages Services , Inc. called me on XX/XX/23 XXXX. Their voice mail asked me to call them back... no name given. I called back. The person I talked to said they need declaration page for my home insurance. She didn't know which insurance they required the declaration ( mine or the condo association 's ), Since it was not clear what they needed, I requested a letter from them to be sent to me clearly stating what it is they need. She said she would request that. On XX/XX/23 I got another call supposedly from this company but my phone says the number is for XXXX XXXX XXXX. She said she was calling for Carrington Mortgage Services LLC and this is the number to call according to my Carrington Reverse Mortgage Monthly Statements. I told her that I had already talked to them the day before, and they said they would send me a letter telling me exactly what it is that they need from me. This person 's response was that she would make a note to my file, but that they can not send me a letter. I said the mortgage is on my property and if you are a legitimate company, you can send me a letter requesting what it is that they need from me. I have received letters from this company in the past, so I don't see why they can not do so now. She said she again repeats that they can not send me a letter and she would just make a note to my file. Please communicate with Carrington Mortgage Services , LLC at XXXX XXXX XXXX, XXXX, XXXX XXXX and ask them to send me a letter ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX B, XXXX XXXX XXXX XXXX XXXX... telling me what is that they require from me. Thank you for your assistance. XXXX XXXX
06/20/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30134
Web Servicemember
on XX/XX/XXXX I brought a home ( thru XXXX XXXX ) and from the beginning until now numbers have been manipulated and altered to the point that in in jeopardy of losing my home and the new mortgage company has got me locked into a rate almost 2 % higher then my original rate. This loan has been a disaster from the beginning and I need some help going thru and finding the rest of the discrepancies. So far I was overcharged almost {$3000.00} in origination fees ( had to file a complaint with XXXX to recover that money received onXXXX ). Somehow I was paying homeowner insurance but my insurance company never received it so I wasn't cover for the first year. ( still have not tracked down them funds just paid out of pocket ) some how my loan was processed as a arm instead of a fixed so I had to refinance because. my taxes wasn't calculated right so my mortgage went up. So I called and ask for some help but I was told I wasn't behind so they cant help me .Finally I fell behind and in XX/XX/XXXX I asked for mortgage assistance from my now mortgage company ( Carrington mortgage ) and instead of helping me cuz I was a few months behind they made me payback some the back payments then raised my interest rate almost 2 points. And threated to demand all the back payment by certain time or file for foreclose if I didn't take the increased rate. That increase raised my note 300 monthly and my XXXX vet wife lost he job due to government budget cuts. Since then i was forced to file bankrupt just to keep them from filing for foreclose. Finally to top things off now we in a pandemic they want to get my bankruptcy lifted so they can file. WOW.. Help please
11/25/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30294
Web
I am reaching out for clarity to how I ended up in a hardship financial situation after completing a XXXX bankruptcy term. I applied for XXXX XXXX bankruptcy on XX/XX/XXXX with XXXXXXXX XXXX XXXX in which all debts listed in this transaction would be cleared at the completion of the term. After the end of this 5-year period I was told on three different occasions that I stilled owed approximately {$20000.00} to my mortgage company. The first statement was for {$19000.00}, the second was for {$15000.00}, and the final document stated that I owed {$17000.00}, of which I notified XXXX XXXX XXXX, my bankruptcy attorney. At this point, I am not sure what is due because the terms of my bankruptcy agreement should have had all balances paid in full upon completion. What appears to be the problem is the discrepancy between XXXX XXXX XXXX and XXXXXXXX XXXX. Somewhere during the 5-year span, payments were not correctly sent to my mortgage company. I am unclear how I owe taxes and homeowner 's insurance, since they both were included in the original agreement of my mortgage loan payment. I am seriously trying to understand how I came out owing more to my mortgage company, at the end of this bankruptcy agreement than I did going into the agreement. I do not wish to lose my home of 35 years to a technicality in which payments were not allocated properly. I made the payments instructed for me to pay and now my home is facing foreclosure. I have been told that I need to vacate the premises 20 days from XX/XX/XXXX, which would fall on XX/XX/XXXX. I need your assistance in this matter, as the window for me being asked to leave my home is rapidly closing.
08/30/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60637
Web Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX attorney saw pictures of the destruction and told me to file an insurance claim. I filed the claim in XX/XX/2021 and received an insurance check the first week in XX/XX/2021. The was in the amount of XXXX the check was signed and mailed to Carrington Mortgage Loss mit department. I called loss mit in XX/XX/2021 and asked when I would be receiving the check explaining that I need to repair the apartments so I could make the mortgage payments. I was told by loss mit I would have to have a General contractor before funds could be disbursed, I could not get a general contract to even consider working witn me for XXXX. I called loss mit every month in May when I called I wastold my check was sitting in the qeue ready to go out and that there was a XXXX threshold and the check should have been mailed, the customer service rep would have a supervisor call me, When the supervisor called. I was told I no longer needed a general contractor find license people for the job and get a w9 and send it in, By this time we're in XXXX I'm to payments behind and XXXX XXXX and no check. and going into foreclosure, now its the end of XXXX I still do not have the check or XXXX now I can not have the check until I have an inspector come out I told the loss mit person the inspector is suppose to come out when the work is almost completed. She told me she would put a note in the file and have someone get back to me. its 4 months from being a whole year I'm still trying to make motgage npayments with XXXX XXXX XXXX and my check sitting in a queue at carrington mortgage loss mit..
12/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 62226
Web
I had a house fire to my apartment building XX/XX/2021. I have been issued money through my insurance company. Due to me having a mortgage Carrington Mortgage company was added to my claim loss. Carrington has cashed checks from the insurance company, and has advised me the check bounced. Proof was submitted to Carrington the check cleared. However, Ive paid my contractor, and Carrington has stopped payments on checks thats already cleared their bank, and has been giving me problems not wanting to reissue the funds in order for me to complete the repair process. I have advised Carrington on several occasions to set up an inspection for my unit so that more funds are released, but its like pulling teeth for them to send out an inspector. I was advised all checks that I send into Carrington is put into a Escrow Account, and I am reissued a check through Carrington. One would think, the mortgage company would just endorse the check from my insurance company and mail it back out to me. Carrington instead puts my money into an account I know nothing about. Carringtons failed to release my funds, in order for me to complete my house fire claim. I have been without rent for 10 months due to their negligence. XXXX at Carrington went so far and requested bank statements from my insurance company to verify this check didn't bounce. The insurance company had already provided XXXX a copy of the cleared check and the date the check cleared the bank. This has put me in a bad position with my contractors, XXXX stopped payment on a check of mines, and she should have never done that, considering the check had already cleared in Carringtons system.
08/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 773XX
Web
I have been impacted by COVID due to job loss, reduction in pay initially, and loss of my job as of XXXX of 2020. I entered into a forbearance in XXXX of 2020. On XX/XX/XXXX, my home sustained substantial damage and loss of all personal property during the reported ice storm in Texas. My personal property was damaged significantly by a total of XXXX bursted pipes. I did have insurance and began the claims process immediately. XXXX XXXX is the primary coverage and has favorably made payments to both myself and the mortgage company ( Carrington Mortgage ) to properly repair the home. Carrington mortgage has delayed and denied release of funds after all proper documentation has been provided in attempts to resolve unpaid payments that are under a forbearance. With each step towards completion, all XXXX and receipts have been submitted and Carringtons loss draft department claims the review will be executed within 5 business days. Each time the response is that they dont have proper documentation. Ive had to stay on the phone multiple days and hours to guide the intake representative through email correspondences that contained the necessary information they claimed did not exist. Ive been out of my home for more than 6 months, whereby all could have been completed months ago with funding provided timely. With each delay they claim theres a 5 day turnaround, then they add additional days because they didnt find the necessary that were and proof can be provided that was already sent via email correspondence. It is believed that the mortgage company is attempting to reserve funds to pay the mortgage bill versus repair the home.
10/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44035
Web
In XX/XX/2022 I switched home insurance companies which I pay through an escrow account with my mortgage company Carrington Mortgage. The former insurance company sent a check to my address for a refund of canceling my home insurance. I needed to deposit that money back into my escrow account. On XX/XX/2022, I called Carrington and asked what is the best way to deposit that money back into my escrow. I did exactly what they said to do and that was to make a payment and include in the memo ' to be deposited into my escrow account ". It was never applied back into my escrow account by Carrington, it was applied to my monthly payments on XX/XX/XXXX, an error on Carrington mortgages part. On XX/XX/XXXX as soon as I was alerted to this I called Carrington mortgage to get this straighten out only to be told they would put a work order in for this and call back in two weeks. I have contacted Carrington Mortgage every two weeks from XX/XX/2022, until XX/XX/XXXX and it is still not corrected. On XX/XX/XXXX I talked to a supervisor who said it should be corrected, but I now have a letter from Carrington mortgage dated XX/XX/XXXX stating that my house has an " intent for foreclosure '. I have been making my monthly payments on time or before time, so I do not have any missed payments or late payments. On XX/XX/XXXX when I talked to the Supervisor, I told him I should not have any late payments or missed payments as everything on my end was done correctly. This should not have taken 3 months to be corrected. Also now my monthly mortgage payment went up, but this should not be because my property taxes and my home insurance payments did not go up.
10/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • OH
  • 43081
Web Older American
Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. TODAY, XX/XX/XXXX, I learned from lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that XXXX had purged my account from XXXX 's database which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file purged and Carrington said they did not ask to have their trade line purged from my account. I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
02/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MS
  • 39402
Web Older American
I called my mortgage company to ask for help to avoid foreclosure around XX/XX/XXXX. I spiffily asked for a modification package they advised me it was to late because my account was in foreclosure. My daughter -n- law told me on XX/XX/XXXX to print package off and send in because they can't deny a complete package. We called them on XXXX, XXXX, and XXXX trying to check status of package. My daughter-n-law sent authorization to help with me and they told her it would take 30 days to confirm written authorization. They were giving me the run around for a week and they finally spoke with her and me XXXX and said they declined the package. They said I didn't print my name on the XXXX page of financial page but my signature was on the paper. They said I didn't send XXXX form no one called to advise me of this, but we spoke with supervisor and emailed documents XXXX. They said they are not sure if they will have time to look at package I advised you have a complete package on XXXX how long will it take to review. Supervisor advised she didn't know but to callback on XXXX by XXXX. I'm doing the complaint because if she would have told me I could print package on XX/XX/XXXX we wouldn't be going through this. Also, because they say their process is 30 days to confirm authorization and most companies take 24 to 48 hours. Also no one told me I could have gave my daughter-n-law verbal position for 30 days until XXXX when she asked how to get authorization on the first conference call we have on XX/XX/XXXX. Please help in any way you can. Me and my husband are elders and my I lost over 2000.00 in income and my husband just got out of hospital.
06/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AR
  • 72223
Web
Our mortgage was taken over from XXXX XXXX XXXXXXXX to Carrington Mortgage. I must say that we did NOT request a change in mortgage service We got the information from Carrington and immediately set up online automatic debits for our monthly payment. My husband also spoke with a representative at Carrington who ASSURED us that it'd be a simple process. After about a month into the new mortgage service, we started getting calls about our payment being late. We explained that it CANT be late, that we see on our bank statement that it is in fact being debited automatically. We wrote letters, e mails, faxes, phone calls, etc all to no avail. Now they have turned us into the credit bureau and my husband and I both lost 100 POINTS on our credit score as a result of their mistake. I would not recommend Carrington to anyone!!! They have ruined our credit as a result of THEIR XXXX up. I recieved a pre approved notice for a loan refi through a credit union. I was denied because they stated " you are behind on your mortgage ''. I looked at my credit report and Carrington has reported that we have made NO payments for 6 months which is completely incorrect!! They DEBIT our account automatically twice a month to fulfill a monthly payment! We are not late on our mortgage. Their customer advocacy department is horrible. I have called them numerous times and again today. You can not get anywhere with them. For the third time I sent them copies of my banking statements where they have deducted payments since they took over the loan last XXXX. I asked them to update our credit to show that we are NOT 6 months behind because it is simply not true.
12/20/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CO
  • 809XX
Web Servicemember
Please help! We now have a foreclosure date of XX/XX/XXXX!! Carrington Mortgage continues to stonewall even after my CFPB complaint ( XXXX ) filed on XX/XX/XXXX which has not been answered ( attached ). Please consult that complaint for details I will not repeat them here. I STILL have not been assigned a single point of contact which is in violation of both federal and Colorado state laws! What is the consequence, if any, for not assigning a single point of contact? Laws are pointless unless there is an enforceable consequence. If I call Carrington myself all I can reach are an assortment of front line of people who have historically consistently given me misinformation. I have submitted countless loss mitt packages ( relatively recent example attached ). I am seeking a single point of contact and modification of an existing VA loan ; I have a POA to negotiate said loan ( attached ) ; I qualify for over half a mil in a mortgage, see prequal letter attached, we owe just over $ XXXX on this home ; I have a active home owners insurance policy ( attached ). Why can't I get a single point of contact to get this done?!!!! Carrington keeps dragging this out. It has been over a month since my CFPB complaint with no resolution or attempts at same. Please help. This is not rocket science!!! Laws are being broken and a family is continuing to be put through needless emotional hardship by the behavior of Carrington Mortgage following on the behavior and ethics violation by Carrington 's predecessor in servicing this loan, XXXX. Additionally there are rules for servicing of VA loans. See VA servicers loss mitt handbook chaps 5 & 6 attached.
07/05/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • AZ
  • 85138
Web
I had a USDA Rural backed loan that originated in XXXX of XXXX. In XXXX of XXXX, this loan was assigned from XXXX XXXX to Carrington Mortgage Services , LLC . In XXXX of XXXX, I modified this mortgage through the HAMP program. The loan balance of approximately {$160000.00} was reduced by a subordinate mortgage of {$43000.00} that would be due on XXXX/XXXX/XXXX, with no payments due in the interim. Leaving a 1st loan balance of approximately {$120000.00} at this time. On numerous occasions I have requested a payoff request and/or a lien release in regards to the subordinate loan from : Carrington, from HUD, from USDA, from FHA, and from XXXX XXXX XXXX. Each of these entities has denied that they are the servicer and/or can not locate any trace of this subordinate loan. The only payoff that was provided was by Carrington for the 1st loan, without including the subordinate loan balance. There are multiple loan numbers, case numbers, and reference numbers on my documents, but none of them are able to assist in the location of this subordinate loan. This issue is directly impeding the sale of my home as the title company is refusing to insure the title and the closing deadline is just a little more than 2 weeks away. I have advised each of these entities of the ARS 33-715 - regarding payoff demands and that I would be entitled to damages currently estimated to be more than {$330000.00} the offer on the home plus other costs associated with the sale and enforcement of my rights under this statute. Also, each entity was advised that under this statute that I am entitled to {$500.00} whether or not there are any damages incurred.
11/04/2020 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • GA
  • 30052
Web
I was closing the sale of my home and requested a loan payoff from Carrington Mortgage Services. Upon receiving a copy of the payoff I noticed a discrepancy on the amount of a FHA loan modification payoff from the amount listed on the original paperwork from FHA. Carrington Mortgage Services listed the amount as {$4400.00} and not {$3500.00} as stated on the FHA paperwork. I sent a letter to Carrington 's research department on 3 occasions XXXX, XXXX, XXXX asking for documentation to provide proof of the difference. I also included the original paperwork from FHA to show the difference. All 3 occasions I was sent the payoff request and no documentation showing where the difference came from. I started placing calls to Carrington in XXXX asking to speak to a Supervisor or Manager they stated I could not be transferred to a Supervisor or Manger. I then called again 2 days later finally getting a Supervisor who stated they would call me 3 days later, they never called. I called back on XX/XX/2020 and was told that paperwork was sent out with the documents I requested I waited but never received such documents. I called back 3 days and was told again I would not be able to speak to a Supervisor or Manager. I received another letter in XXXX stating they were still researching. On XX/XX/2020 I again placed another call to Carrington not being able to get a Supervisor or Manager but was told I would have to write another letter to the research department. I have requested numerous times documentation of the difference because they have been able to procure any documentation on the higher amount I am requesting a refund of {$890.00}.
04/18/2016 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • TN
  • 37042
Web Servicemember
In XXXX I bought a new house worth {$280000.00} and I did my closing for the house in XXXX XXXX. I had to wait more than a months all because the broker that seller introduce me to and seller where not communicating. My complaint is that I am in the military and i XXXX a lot but my XXXX was to be a tax free until I found out I am owing amount of {$2800.00} for my XXXX tax return. Because of none available fund to cover this payment, the broker told me to found way for the money and he will pay me back half of the money to me after closing. So I had to borrowed from a friend in other to get the house. To make it short since I closed the house, I tried many times to get the money the broker promise me but a lied. Last time we talked in XXXX, he told me he paid the money to wrong bank account instead of mine. XXXX XXXX was last time I talked to him about the money but he keep giving me excuses, so I had to stop contacting him when I figured out it was a fraud the broker and seller had planned for me just to buy the house. I had to make this complain because twice I thought of filing bankruptcy since I bought the house and that I do not want this to happen to anyone else. People like this were involved in housing collapse in XXXX. My situation is more than this but I will really need to explain more. This man needs to be stop since his running around working from one lender to another. To let you know, I will be making complaint to the FBI and HUD. I want this man be investigate and everyone that was involved for that process. I have there names and contact information which will be helpful to share if I get reply back. Thanks.
12/10/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 445XX
Web
My mortgage was sold to Carrington Mortgage Services ( CMS XXXX by XXXX Mortgage XX/XX/XXXX. Erroneously, On XXXX XXXX, XXXX, XXXX Mortgage issue a premium payment in the amount of {$720.00} to XXXX ( now XXXX XXXX for the policy period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX, XXXX Mortgage inadvertently issued a premium payment in the amount of {$730.00} to XXXX for the aforementioned policy period. As a result of the above information a refund in the amount of {$730.00} was issued to me in error. Once, I discovered the money was sent to me in error, I started out with a payment of {$800.00} of which {$530.00} was designated towards escrow. The remaining balance of around {$260.00} was designated for the regular monthly payment. However, this amount never allocated properly. Long story short it took Carrington ( CMS ) an unacceptable amount of time for them to recognize I had paid the {$730.00} back in full and other erroneous issues from Carrington ( CSM ) started occuring. For example, I started receiving notices from them stating I did not pay my mortgage payments. I had to send them proof from my bank, which sends Carrington ( CMS ) the money electronically each month. In the mean time I notice my bill had increased. Additionally, during these processes Carrington ( CMS ) stop sending me monthly mortgage statements. They said they sent them to the attorney. Even after receiving notice from the attorney to send all correspondence to me, I have still yet to receive my monthly mortgage statements from Carrington ( CMS ) at my home address, which is XXXX. XXXX XXXX XXXX, XXXX, Ohio XXXX.
04/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60655
Web
Carrington Mortgage took over my loan after XXXX XXXX XXXX sold it to them in the process of the pandemic modification. All the while that Carrington received my loan they stated they were waiting for the package from XXXX XXXX XXXX, I made mortgage payments every month according to the amount agreed on with XXXX XXXX XXXX. Carrington originally had that agreement but wants me to sign a new package with a different interest rate, higher balance and has sent inaccurate information to my credit report agency. They claim they sent me a package by email when they first got the loan and that I had to print and sign, that has expired and now they won't honor those amounts. That is pretty tacky. They state I am delinquent on my payments and I have proof that I paid the mortgage every single month since they took over. Now I am being forced to sign a package that I do not agree on, XXXX even stated that Carrington must honor the same package they sold to them and Carrington now refuses to accept a payment until I sign. I am frustrated beyond that this company is getting away with doing this to consumers! My credit score is very low because they are stating I have not paid a payment in 13 months or so, which is false and I have my bank statements to prove it. It's funny how they have accepted all my payments. Not to mention, when I call them you can not get a direct person they tell me I have to speak to some guy XXXX XXXX who only communicates by email. I have spoken to him one time on the phone. They call me everyday to ask me for the signed package and I have to keep explaining my story. Please tell me what my options are.
12/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 027XX
Web
carrington mortgage the servicer apparently hired a company named XXXX XXXX in Massachusetts who taped a letter to my door that was not placed in and envelope that displayed my my mortgage account number and another duplicate notice was picked up near the street not in and envelope with my account information.the letter stated XXXX XXXX has apparently been hired by Carrington Mortgage because borrower was not responding .THAT IS UNTRUE AND A FLAT OUT LIE!! borrower rep HAVE BEEN IN CONTACT WITH CARRINGTON .i have definitive proof and evidence to the contrary of what is stated in XXXX XXXX letter/ Carringtonhas been contacted BY PHONE EMAIL AND CERTIFIED MAIL .XXXX XXXX HAS ALSO TRESSPASSED ON MY REAL PERSONAL PROPERTY WHERE IT IS CLEARLY MARKED AND SIGNED NO TRESSPASSING .THERE IS ALSO A NO TRESSPASSING SIGNED CLEARLY MARKED ADJACENT TO THE DOOR WHERE APPARENTLY SOMEONE WORKING FOR XXXX XXXX ILLEGALLY ENTERED PROPERTY AND TAPED ONE OF THE MESSAGES, CARRINGTON ALSO HAS A MAILING ADDRESS THAT THEY WERE INFORMED OF VA CERTIFIED MAIL BACK IN XX/XX/XXXX.BORROWER ALSO LIFTED CEASE AND DESIST FOR CARRINGTON WEEKS AGO FOR PURPOSE OF NON COLLECTION MATTERS TO DO WITH ACCOUNT, THIS IS BECOMING HARRASSMENT AND ILLEGAL FORECLOSURE METHODS TO DO WITH PRIOR COMPLAINT THAT CENTERED AROUND RIGHT TO CURE .THESE TACTICS ARE GOING TO LAND THESE 2 ENTITIES INTO SUPERIOR COURT INJUNCTIVE HEARING REGARDING OTHER ASPECTS OF THIS CASE REGSRDING ILLEGAL FORECLOSURE AND CRIMINAL TRESSPASS ON REAL PROPERTY.THEY KEEP SAYING THEY WANT TO WORK THINGS OUT BUT APPLY PRESSURE IN THESE WAYS DESCRIBED AND RARELY ANSWER COMPLETLY BORROWER CONCERNS
05/07/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 150XX
Web
House was in foreclosure in XXXX due to ex wife not paying mortgage. I had to contact congressman XXXX as Carrington Mortgage Services , LLC would not accept payments from me although I held the mortgage. Once the congressman helped me, I brought the mortgage current and never missed a payment until I was XXXX and forced to go on XXXX XXXX in XXXX for one year. During this period, I tried desperately to get Carrington to work with me in an effort to make lower payments, which would of been Loan Modifications. Carrington would not work with me in any capacity. I was awarded a Chapter XXXX case in XX/XX/XXXX. Since that time, I have complied with any and all request from my attorney, Carringtons attorneys, and the courts to resolve this situation. Carrington has continued to file for Motion to Continue status, requested the same paper work of financial status at least 6 times claiming it was lost or never received, missed deadlines by not responding to the bankruptcy courts, not shown up for court hearings, and in general, I believe going out of their way with these delay tactics. This is costing me unnecessary time, stress and money, and has now cost me my marriage. I want to stress that Carrington Mortgage Services , LLC, has been delaying an outcome since prior to the COVID pandemic. It is my wish that you can investigate Carrington, force them to bring this situation to a close by helping me get the loan modification that my attorney has presented. I dont want to lose my house, I have not walked away from my financial obligations, nor have I not complied with any and all requests. I hope and pray you can help me.
04/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
Carrington Mortgage Services ( CMS ) XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Authorization was faxed on XX/XX/19. I spoke to a rep from CMS today and I was told they will not do anything with our authorization until 30 days have passed. They will, however, speak to the listing agent even though the listing agent has not submitted an authorization. When I pressed it further, the assigned SPOC XXXX XXXX got belligerent and wanted to know why we were hired. I told him likely because the borrower doesn't know what to do and the listing agent requested our assistance so that they could work as a listing agent and not a short sale negotiator. He then said well that's what the listing agent gets paid for and was belligerent until I asked twice if he intended to prevent the borrower from their legally protected right of professional representation. ********* He does not need to know why the borrower hired us or authorized us to work the short sale, all he needs to know is that they did, and he needs to adhere to the authorization signed by the borrower. Since we have this problem on EVERY SINGLE SHORT SALE WE OPEN WITH CMS -- -- IT IS OBVIOUS THEIR COMPANY POLICY IS TO OBSTRUCT THE BORROWERS RIGHTS TO THE SHORT SALE PROCESS AND IGNORE THE EXPRESSED WRITTEN INSTRUCTION FROM THEIR OWN BORROWER. ************This is a directed effort to keep us from working on the short sale. Attached is our authorization signed by the borrower. I expect this to be applied to the account immediately and for CMS to comply with this written instruction from the borrower. We want this file re-assigned to a different SPOC.
07/25/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 138XX
Web Servicemember
I XXXX XXXX have completed a modification request with my former mortgage servicer, XXXX XXXX, XXXX. I was in the process of getting all documentation sent to the former servicer through a third party, and an attachment of my power of attorney is hereby attached where XXXX XXXX was working with this individual. I received notification late XX/XX/XXXX that servicing was transferred to Carrington Mortgage Services , LLC . I believe that my entire file should have been transferred upon transfer. However, I have not been notified of having a loan specialist assigned to my file by Carrington. What I did receive was a formal service that my home may be foreclosed upon. As a veteran of the XXXX XXXX, I now have several medical issues I deal with daily. I had no choice but to file for a Chapter XXXX bankruptcy last year. I am now in a position to either start making mortgage payments again, but I need a line of communications open to complete the process. I do not desire to bring in any federal agency where veterans such as myself can have their rights protected, especially under the Fair Debt Collection Practices Act. According to the XX/XX/XXXX addendum to the FDCPA, that was forced into legislation by the Consumer Financial Protection Bureau ( CFPB ), once I had a modification package submitted, I was now protected from any active foreclosure action. Therefore, I must now request that my rights be protected through the FDCPA. I must have a loan work-out specialist to my file, and all communications must be through a third-party. All foreclosure threats must cease immediately and my rights must be protected accordingly.
01/27/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web
Hi, I filed this complaint because I don't want carrington mortgage services llc to change the loan contract. On XX/XX/XXXX I received a letter from Carrington mortgage services, L.L.C. ( Disclosure statement annual disclosure notice to mortgagor ) copy attached.On the letter says the amount reflected below is the outstanding on the loan for prepayment, also says that amount is subject to further accounting adjustments, and I don't know what they talking about further accounting adjustment, the loan contract is very clear, copy attached, and carrington can not, should not change what the loan contract says and can NOT breach the contract .XXXX XXXX XXXX XXXX , XXXX. signed on the year XX/XX/XXXX, then XXXX transfer the loan to carrington, .The letter also include the annual disclosure for FHA/MIP cancellation notice to mortgagor.This is not the first time I file a complain against carrington , because or they try to breach the contract and change it to their own rules or try to increase the mortgage payments for not reason.If somebody ask me to recomend this company, I will say NO, this company doesn't even deserve one star. Also I'm enrolled in another program at XXXX County, that if I live 5 years in the house and no missing any payments, I got a credit, but this program doesn't have anything with carrington and I don't want them to mees with it. What I want CFPB to do? : Look and read the XXXX contract and carrington letter, and look if carrington is trying to change the loan contract or breach the contract.., also if carrington doesn't have copy of the XXXX bank contract, they can see it on the complaint.
03/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • XXXXX
Web
We had prepared ourselves to present a modification package to Carrington Mortgage when we received a modification offer from Carrington Mortgage by a person that we believed to be an employee of Carrington Mortgage and later found that he was a *middle person whatever that means. What is means to us is the Person XXXX XXXX aka XXXX XXXX - office ( XXXX ) XXXX Mobile ( XXXX ) XXXX contacted us on : I am reaching out to present loan modification terms on request from Carrington, please advise if your client is interested in the terms below. XXXX Good faith payment XXXX Principle Balance 4 % for 40 years {$1400.00} PI $ XXXX 5 month Trial There was an agreement of {$10000.00} down payment XX/XX/XXXX, 5 payments of {$14000.00} and - {$10000.00}. after the last trial. He requested that the proof of funds be submitted by the end of the month. Proof was submitted. We submitted the proof of funds, XXXX XXXX would not respond to any e-mails or phone calls. Finally we reached him on his cell phone. All of the time wasted we could have submitted all necessary documents to qualify for a loan modification. Some type of workout. XXXX XXXX stated that it was necessary to send any documents because the offering was a stream lined modification. From XX/XX/XXXX until yesterday XX/XX/XXXX we have been anticipating a loan modification with the terms just explained in this letter. While in conversation with XXXX XXXX he stated that a letter of denial was sent out, no one received any letter of denial. I asked why he said he did not know. I called carrington Mortgage and they know very little about all that has transpired????
04/25/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 761XX
Web
I accidentally paid my mortgage twice i n one mon th ( due to their system not showing to have received my bank 's " bill pay '' check on time ). They processed both payments at the same time a couple of days after the second payment was made. I called to ask for a refund on the second payment, as it was made in error. They informed me that I would need to submit a written letter, along with a bank statement, faxed or mailed, and that a refund would be issu ed in 20-30 business days. They would not even handle the request over email or over the phone, the bank statement and letter had to be faxed or mailed. Upon asking them to apply the mistaken payment towards next months payment, they said that they were unable to do so, that I would need to call back after next month 's payment was due - they gave some excuse along the lines of having to hold the money in an 'un-allocated funds ' bin, and that I would need to call them in 3-4 weeks to re-allocate the money. I was told that even applying it to principal would not count t owards the following month 's normal payment schedule. In an era where money can be transferred electronically in a matter of seconds, I do n't feel that it 's fair to hold my m oney hostage for a minimum of 20 days, and require a written, mailed or faxed letter to initiate the refund request. The whole exper ience is unnecessarily complicated. I feel that all of these requirements and barriers are engineered to confuse and perhaps trick consumers into paying additional fees - late payments, online/phone payment fees and/or allow them to hold the funds for internal short-term investments.
01/05/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85023
Web
In XXXX 2015 my mortgage account was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services ( CMS ) without my consent. CMS sent me documents that instructed me how to make payments on their website but they were poorly written so it was difficult to do so. I finally figured out how to make payments, to find that CMS did not allow any additional payment of principal or escrow online. Instead, you could make the regular payment, then either mail them a check or make a phone payment ( for a fee ) for the additional amount. After complaining about this for several months, CMS changed their site to allow additional payments only under the following circumstances : You can only pay the regular amount before the payment due date. Any additional amounts must be paid after the system processes the payments from the previous month, so I must wait for some unknown number of days ( usually the XXXX to the XXXX of the month ) to make any additional payments, despite CMS 's written assurance to me that payments can be made on the XXXX of the month. I get paid on the XXXX and XXXX of each month, so I prefer to make my mortgage payment out of the paycheck on the XXXX, as soon as I can, so I can be fiscally prudent. CMS 's policies seem to ensure that customers can not lower the principal amount much beyond the normal payment and to allow them to gain as much interest as possible. Furthermore, this is the worst customer service I have ever received. I had to make a XXXX complaint to get a supervisor to call me, the website is antiquated and is hard to use, and any complaints or adjustments must be made by mail or fax.
01/10/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92882
Web Servicemember
Recently our mortgage got transferred to a new servicer, Carrington Mortgage Services, LLC., normal process, and it went smoothly. We even got a letter letting us know nothing about our mortgage will change. However, on Friday XX/XX/2023, we got a letter in the mail from Carrington that something about our mortgage will be changing, the payment. We compounded our home insurance and taxes into our payment, so some changes are expected. And we did recently have a tax increase so there wasn't much surprise there. However, upon closer look into our new payment, it seems like Carrington is trying to sneak in a {$17.00} " Shortage payment '' every month because our escrow account will be below the federal MAXIMUM of XXXX of the total annual distribution. Only 1 month out of the year is the escrow account below this amount and it because we have back-to-back payments of taxes and insurance. Additionally, it's a federal maximum amount. Why am I being charged if I don't constantly have my account maxed out? There is no law saying I have to meet the max and my other loan servicer never did this. To top it off the {$17.00} never even goes towards my escrow, loan, or interest. It appears the company is charging me and keeping the money. When I called and asked why I'm being charged the company representative couldn't give me and answer. I asked to be transferred to someone else who could answer my question, but I was told there was no such person as they are gone for the day but even if they were there, I still wouldn't be able to speak to them. Please help this seem illegal and if not, it definitely should be.
10/14/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • TX
  • 78227
Web Older American
The list of attachments are self explanatory on detailing the mortgage servicing on my home equity loan originally entered on XXXX by XXXX XXXX and transferred 3 times ending with Carrington Mortgage LLC. This complaint goes directly to problems and discrepancies on a loan modification agreement entered XX/XX/XXXX. Carrington has reported late payments to the credit bureaus which has inhibited my credit. I followed the terms of the modification agreement paying {$500.00} for three months before my application was approved. I was advised I had a credit or balance on the escrow account. This came from escrow deducting XXXX for homeowners insurance which I had already being paying monthly to XXXX XXXX making this a double monthly payment to homeowners insurance. Speaking to supervisor XXXX XXXX he stated I needed to send a hand written letter to escrow dept. to either stop taking the money out or a refund or possibly applied to XXXX and XXXX payments. I then received a letter stating my account would be drafted {$420.00} on XXXX XXXX.I was advised that no money had been applied to XXXX and XXXX and they do not return money from escrow and the homeowners insurance would be paid by Carrington and it was part of the modification. That has all been remedied by a double payment in XXXX of {$840.00} and another deduction on XX/XX/XXXX for {$420.00}. I have not been late on my payments I contacted XXXX representative and had him on a 3rd party call with the advocacy department and after no resolution to why they are reporting me late he referred me to CFPB and wished me good luck. XXXX XXXX XXXX XXXX XXXX XXXX
08/19/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • OH
  • XXXXX
Web
I was working with a licensed broker named XXXX XXXX at Carrington Home Mortgage, who absolutely did nothing to help get a loan approved for a home. They pulled my credit using a 3rd party service called XXXX XXXX. They informed that based off the scores they received they would not be able to help me because i was below a XXXX FICO score. However XXXX XXXX pulled my credit on XX/XX/XXXX and presented me in writing a FICO of XXXX and on XX/XX/XXXX XXXX XXXX provided me a credit score from XXXX of XXXX. I had documentation that needed to be forwarded to all XXXX credit bureaus that show where i have satisfied some judgements and tax lien so that they can reflect properly. I faxed those to XXXX XXXX on XX/XX/XXXX and of course on XXXX/XXXX/16 they still were not faxed. This is not acceptable. If she was a good broker, then she would be working diligently and extra harder to help get financed. I also am disputing the credit scores that they obtained from a 3rd party, they are not correct and need to be investigated, since XXXX 2016 any letter of credit denial or current credit all have sent me in writing scores above a XXXX. They are not willing to work with me with the scores that other creditors are producing. I am bringing this matter forth to the Federal Housing Authority to determine whether or not discrimination is playing a role in such decision. Of course, on XXXX/XXXX/16 i got a biased response from XXXX XXXX, XXXX, basically advising im in the wrong and his company is in the right by following all laws and guidelines. This is not a reputable organization and needs to have a site audit performed.
01/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33433
Web
Carrington Mortgage has been falsely reporting to all 3 credit agencies that this account was paid 30 and 60 days late in XX/XX/XXXX and XX/XX/XXXX. This account was never paid late. This account is paid as agreed. This account was referred for investigation regarding the late payments. It was discovered that the payments were missing the correct account number when the rep took the payments and therefore never posted to the account, causing the issue of payments being reported late. Shortly thereafter, the pandemic occurred and the account went into forbearance. This has been disputed with Carrington Mortgage over the last year and to date they have not updated the credit files to remove all negative comments on the credit reports to reflect pays as agreed and no late payments. In speaking to another Carrington rep today XX/XX/XXXX by the name XXXX she made comments regarding my ethnicity thinking I was on hold, saying I that these XXXX people need to just pay those accounts this is a clear indication that my credit reports are not being updated due to race or some other discriminatory practice. When she realized that I was not on hold when I asked her what she meant by the comment she disconnected the call. Ive reported this to Carrington Mortgage again today in writing of the XXXX comments made via the research department employee as well as filed a complaint with the Federal Trade Commission about their practices. This is my final attempt to get this corrected before I seek legal action to have this looked into. It is a breech of my rights to have incorrect data reported to the credit bureaus.
09/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92870
Web
I made my XX/XX/XXXX payment on the last day of the month ( XX/XX/XXXX ) through the servicer 's website, which routes you to XXXX to process the transaction. The payment date that prefilled in that payment information screen was XX/XX/XXXX and the confirmation page again confirmed a " payment date '' of XX/XX/XXXX. However, the servicer credited the payment effective XX/XX/XXXX despite the confirmation provided through their vendor 's website and they are unwilling to honor it or correct it. They stated that regardless of the payment date confirmed through the speedpay transaction, there's a box that you click on which has a list if disclaimers about the cut off time to process your payments same day. No one is going to look through all these hidden disclaimers to find that information. Consumers are going to go off of the payment date that you are allowed to enter when processing the payment. All other creditors pre-fill that date to the following business day if the transaction is after the cutoff but not Carrington. This is a disconnect between the servicer and their vendor ( which they're still on the hook for ) and rather than fixing the issue and correcting it going forward, its easier for them to reject any liability for the error. Bottom line is that if the payment is being made after their cut off, the payment date made available to the customer should not reflect an incorrect date, it should automatically flip to the next business date so there's absolutely no confusion. This is unfair and deceptive business practices which is confusing to their customers, yet they fail to acknowledge that.
11/16/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CT
  • 06514
Web
My Mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services in XX/XX/XXXX. At the time my mortgage was past-due after a failed attempt for mortgage modification. I contacted Carrington who then told me to pay varying amounts never equaling the amount actually do on my account. In XX/XX/XXXX I was told that my home would be foreclosed on regardless of the amount I paid, if I did not include the fees which were unsubstantiated. I paid the amount past due and brought my account current in XX/XX/XXXX. Since that time I have requested several times for a break down of the " Overdue '' charges on my bill. My payments in XXXX, XXXX and XXXX have been on time ; however the Overdue amount continues to increase without explanation. I paid a convenience fee of {$5.00} on XX/XX/XXXX while making a payment online ; this additional amount was deducted from my bank account along with my mortgage payment. On the subsequent bill the charge was added back into the " overdue payment '' on my account. Again I questioned the charge I was told per a manager that it must be a fee from XXXX XXXX XXXX which came over late, despite a listing of convenience fee on the bill. I was also charged a {$20.00} property inspection fee in late XXXX. The explanation given was my account is overdue and it is necessary to verify I still occupy the property. Again the account has been current as of XX/XX/XXXX, outside of the disputed fees which appear on my account as overdue payments. My next call is to an attorney how is this company allowed to stay in business. Small fees add up when they are spread amongst numerous customers.
06/17/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30087
Web Older American
Today XX/XX/2023 I read the close complaint that stated we no longer need help with our mortgage. The complaint no. is XXXX. That is NOT TRUE. I call XX/XX/2023 for the status of the Loan. I didn't see no notes in the systems that stated XX/XX/2023 date Covid19- Forbearance would end associate said he could extend it by removing the XX/XX/2023. I said okay. This morning I look the account up and it was no notes in the system the only thing that was there was XX/XX/2023. It didn't say what XX/XX/2023 meant. I immediately tried to get in touch with a customer service an inform them to put the Loan back into Covid-19 Forbearance for XX/XX/2023. A previous customer service stated it was there. I went on line and did a history to pull it up, but I didn't see one. Nor, was a history stating I said close the account. I was on Carrington 's website and I didn't see any information telling Carrington to close the account. Since I didn't see anything and after this complaint was close. I am sure this is a miss understanding. I'm hoping once the error is corrected I will be able to go back to Carrington 's website so I will be able to physically see it in the timeline. follow the timeline. I see it didn't take the Resolution Specialist long to take advantage of the error by staying I said every thing was fix and closing out that complaint. I kept calling trying to get a customer services, but the recording stated the office was close. As of XX/XX/2023 I am asking Carrington Mortgage to put this Loan back into Covid -19 Forbearance until XX/XX/XXXX, XXXXWhere it was originally to started. Per Customer service.
08/31/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • FL
  • 333XX
Web
Previous lender ( XXXX loan # XXXX ) coincidentally sold my loan to Carrington mortgages which I've tried for 3 weeks relating I'm currently enrolled in a disaster relief program and are telling me I'm not in forbearance rather in foreclosure. This was not what was related to me from previous lender. I contacted XXXX who has assured to me the new lender must honor and continue the assistance provided keeping all the same terms and agreements that I currently have. I was made a mockery of, insulted, and told demeaning comments in an extremely unprofessional and hurtful manner by XXXX at Carrington. XXXX transferred me to her supervisor XXXX XXXX who also offered no help other than to fax any supporting documents to a research team that wont address the matter for 60 days. This all seems very methodical to cover themselves during RESPA duration telling me they can not service my account until after the period has passed. Once the time has passed I will be out of forbearance designed to help/assist me but in fact is creating additional hardships increasing more risks adding further penalties escalating the consequences that I may never recover from and possibly losing my house. This seems strategic and should not be allowed, I'd think it would be illegal if I'm to be honest. Assistance should be exactly what it means, both Carrington and XXXX are in cahoots avoiding any and all liability since they can not technically service my loan. These loopholes are creating further hardships for those in need and are being promised aid/assistance. I will circumstantially be at more risk if this is allowed.
12/14/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08046
Web Older American, Servicemember
Five months ago when i made my last complaint i hoped this issue would be resolved finally but it hasn't. My family and i have been going through this nightmare for about 3 years with this company and it is clear that they are only interested in a outcome that benefits them and only them. There is no way the practices can be legal and something must be done about it. They seem only interested in stealing our money and coming up with excuses why they are not going to honor these agreement. First they demanded the same documents repeatedly for almost a year to even start the re-modification process. Then once they were forced they put an agreement on the table and refused to honor it by delaying for months then saying we hadn't made the requisite payment. Then it happened a second time now its happening again. They have collected thousands with the false promise that it would be resolved after but they absolutely refuse to do what is right. When will this borderline criminal behavior be reigned in. Two years in with covid 19 running wild i could it and ended up in the hospital. I didn't know if i was going to make it so i deeded my house to my son to help my son and my family avoid a long costly probate fight. My son agreed to help honor what i thought was my dying wish, I somehow survived. Now they expect me go back to my son and reverse this with absolutely no guarantee this nightmare will end. My son has seen them make agreement after agreement that they did not honor, how is he supposed to believe this company now? XXXX is tied to Carrington and need to force them to honor this agreement.
12/30/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • 11710
Web
On XX/XX/2020 I suffered a water damage loss which was paid out by my insurance company for approx XXXX. The check was made out to both myself and Carrington Mortgage Services who recently purchased my mortgage from XXXX. Carrington deposited the check instead of returning it to me so I can cash it and pay out the Construction companies that are working. Instead they have made me acquire W9 's lien waivers, licenses etc from my contractors. 2 contractors did not think it was worth the hassle and walked away withdrawing their bids. It is now XX/XX/XXXX and my GC contractor have been waiting for additional funds for weeks and wants to stop working. I have 1 toilet and a shower with a slop sink in my kitchen. No usable kitchen for weeks!!! I have submitted inspections, asked for monies, some of which were denied causing me to lay out cash that I now need to live. My account owners voicemail does not work. the Supervisor I have been dealing with is on vacation. I have even spent money to send the a prepaid XXXX XXXX label to mail a check because they want to use the USPS 1st class mail form California. I have done everything I can to work with Carrington. I am now considering refinancing to get away from them. My Account Owners voicemail is not working, the supervisor is on vacation and I have spent over an hour so far today with 4 calls that have been incorrectly transferred and being disconnected waiting for another supervisor after 43 minutes. I am again on hold as I type this message. My family just wants our house back together from our loss " 3 MONTHS AGO '' PLEASE HELP US!!!!!!!!!!
12/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 39208
Web
My loan was transferred from XXXX to Carrington Mortgage Services XX/XX/2016. They have received payments from the time they have had my loan. No missed payments, I have made payments through my bank with does a ACH withdrawal and I have requested for my monthly authorization of payment statements and was told they no longer provided them. They will not send any records as requested by writing regarding my loan balances and payments. I have been transferred and lied to multiple times I was told my payments were ahead a month and now they tell me I owe them for XX/XX/XXXX and XX/XX/XXXX, therefore I 'm told I am XXXX months behind. They have sent letters of intent for foreclosure and certified mailings to my address in which I am still occupying the property. They have sent so many threatening letters and they have still been receiving payments toward my mortgage from my checking account, but have the monies have been placed in a " suspense account. '' The money in the suspense account should be applied to my mortgage and other monies that were received from XXXX should 've been applied also but I 've been told they have been reversed out and placed unapplied funds. I am based in XXXX and this company is in XXXX. I have sent a letter requesting a research audit on my account and they have sent the letters back to me in via XXXX. Over the phone, I have been transferred and placed on hold and told no managers in loan servicing dept are available I can leave a message for a call back withing XXXX hours and no one has called to discuss my loan with me. This company has poor business practices.
11/16/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MA
  • 01880
Web Servicemember
Carrington Mortgage company " lost '' proof of my Home Owner 's Insurance. Carrington enrolled me, without my consent, into their own very expensive Home Owner 's Insurance and rolled the fees ( XXXX $ a month ) from that into my mortgage. They did so without notifying me. They have made it extremepy difficult to fix the solution. All responsibility has fallen on me to provide proof of my insurance, which I did, several times, and they continued to be unable to locate the email and fax. Then after an hiur and six minutes on the phone they located the fax. They kept my mortgage payment in " limbo '', threatened to apply it to other fees, and forced me to pay the extra XXXX $ even though they have proof of my insurance. They said it moggt not be fixed by next payment due date and I will have to pay an extra XXXX $ again until the refund department can get it sorted. This whole process has been very difficult and frustrating. I was constantly placed on hold and shuffled around. I have XXXX 's home owners insurance. It took me 5 minutes to get the paperwork Carrington needed from them. I can't imagine technologically challenged folks or elderly folks being able to " work '' with Carrington to get this problem fixed. I was polite and patient with everyone I spoke with. They took XXXX from me for my payment. Put it into limbo because it didnt include the new XXXX $ and then they tried to make me pay XXXX ( on top of the XXXX already paid. ) XXXX is my normal monthly payment. I have never missed a payment, and there has never been a gap in my insurance. This is a deceptive practice and a scam.
10/20/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • XXXXX
Web Older American
SUBJECT : Carrington Mortgage I called Carrington Mortgage Services when I received my XX/XX/XXXX bill ( attachment # 1 ) because the bill does not show a late payment date or a late fee amount. I was told that because I file for bankruptcy in XXXX that there is not a late payment date or fee as long as I make the payment before the end of the month. On XX/XX/XXXX I received a late notice ( attachment # 2 ). Carrington did not clear the check until XX/XX/XXXX. I also received my XXXX bill with a late charge on, posted on the back, ( attachment # 3 ). I called Carrington on XX/XX/XXXX and I talk to XXXX ( # XXXX ) she said that because the amount and date was not on the bill the late fee would be waived. She also said that even though the amount and date is not on the bill, the bill is due by the XXXX of the month. When I received the XXXX bill again no date or fees for late charge is on the bill. I paid the bill and the check cleared by bank on XX/XX/XXXX. On XX/XX/XXXX, I received another late notice ( attachment # 4 ). It was dated XX/XX/XXXX. I called Carrington again and talk to XXXX ( # XXXX ). I told him that the payment cleared before the XXXX. He said the bill is due on the XXXX of the month. I asked how I can receive a late notice dated before the XXXX. He said the real nasty what else can I do for you. Since XXXX I have not paid any late payments on any of my debts. This feels like harassments because they send me bills without information regarding a date or amount of past due bills and they send me late notices. I shouldnt have to call Carrington monthly. Please Help
05/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OH
  • 453XX
Web
On XX/XX/XXXX I filled out forms for a loan modification due to my husband got ill and was hospitalized several times and I didn't want to get behind where I couldn't catch up. Carrington Mortgage Services advised to do a loan modification. I have filled out the documents they requested, and they keep requesting same documents over and over stating that there was changes to the XXXX. I filled one out on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I really can't believe there has been changes, especially that many. I have faxed in the whole packet in XX/XX/XXXX and still to this present date XX/XX/XXXX I am now being asked to pretty much start over.. And, since then got a letter from an attorney that is handling the Carrington Mortgage Services . Now, since all this time has went past, today, XX/XX/XXXX I was asked to fill out the Mortgage Assistance ( RMA ), plus 30 days of paystubs. AGAIN! There should be no reason for all this delay, I have kept in contact, filled out the forms requested and still have got No Where! When I first started and spoke to the associate at Carrington Mortgage she advised once packet received there should be a timely process and should get information on the loan modification and the new terms to me. I do not want to lose my house, but I feel I am getting no help at all! I feel very cooperative with all the demands and phone calls, but I feel I am getting the run around and possible scammed to the extent that I will lose my home. I have owned this home since XX/XX/XXXX @ XXXX XXXX and I feel I am just asking for help and not a run-around.
02/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • FL
  • 33023
Web
My name is XXXX XXXX XXXX XXXX owner of property XXXX XXXX XXXX XXXX XXXX, Florida XXXX Loan # XXXX. ( carrington Mortgage ) I am reaching out to you guys because I would like to see if you guys can assist with an issue I currently have. During the Pandemic I unfortunately lost my job and battled to stay current on my Mortgage account while facing a lot of problems. I work in the XXXX XXXX XXXX industry and unfortunately we faced a lot of problems and challenges to remain open. During this time I became past due on my mortgage and unfortunately its been a struggle to get current. I received assistance twice from them which I appreciate it and I am grateful for. My problem is that I kept facing difficult times and kept getting behind and dragging a late month multiple times and have accrued 16 late payments throughout my time since covid. I am receiving a bonus from work in the upcoming week so I will return to normal and I can promise I will always be on time but when I tried to ask Carrington Mortgage to forgive those late payments or report to the credit a different way to not have a negative impact they said they couldn't do it. Is there anything you guys can assist with? Prior to Carrington Mortgage I had 43 on time payments with XXXX before I refinance to Carrington and if you guys take a look at my credit everything started to happen around XXXX after we were shut down. I attached the letter I send Carrington Mortgage along with the screen shots from before and after covid and my excellent credit history with my prior Mortgage provider before switching over to Carrington.
07/23/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • VA
  • 22309
Web
Please see all documents Mortgage Statements XXXX XXXX See all Escrow Statements from XXXX Please see email- The mortgage company XXXX have violated right that relate to FHA borrows, CARES XXXX XXXX the XXXX XXXX XXXX XXXX these XXXX support prior case number. XXXX. Please note payments have been made through this program and it appears that XXXX Mortgage payment processing center did not apply funds correctly. Please note it appears they are compressing unapplied funds and placing these funds in other account structures within XXXX Mortgage XXXX note that payments and refund payments was made by U.S. Trustee and those payments are not applied correctly. Please note that the Bankruptcy Payment was canceled in order to qualify for XXXX XXXX XXXX XXXX. Please note the borrow had made payments and those funds was not applied to account correctly. Please investigate these concerns. Please note extra charges and fees may have been applied to the account unfairly. See supporting article from CFPB. Please not due to the miss account and payment processing wrong information may have been reported to the ALL CREDIT RERPORT AGENCIES including XXXX XXXX. PLEASE NOTE : ON numerous times contacted the XXXX XXXX about these issues. Additionally, I have requested that all correspondents be mailed to me via postal mail. XXXX XXXX keeps sending emails to my accounts. Please see consumer protection rights under the federal and state code. Please note my age and race may have been violatehttps : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX under the federal civil rights code.
10/13/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Fees charged
  • NC
  • 27284
Web Older American
This is not a duplicate complaint ; Carrington has not resolved the escrow issue.!!! Payment {$1300.00} payment XX/XX/XXXX then raised to {$1700.00}. 1. Carrington has been fudging the escrow amount by {$150.00} per month since XX/XX/XXXX citing escrow shortage this is unjustified. There have been 2 independent reviews. Carrington states escrow is {$620.00}, property taxes {$2000.00} XXXX = {$160.00} the property insurance $ XXXX {$290.00}. Taxes {$160.00} + $ XXXX ( {$460.00} ) $ XXXX ( {$150.00} ) Why and where is the additional {$150.00}. Applied to the yearly amount for the escrow balance is resolved during the month XXXX. I am requesting a refund of the XXXX, back to XX/XX/XXXX, which is estimated XXXX. 2. This account has been under review since XX/XX/XXXX during this time period Carington has charged multiple late fees and did negative credit reporting which I believe they corrected but did not refund any late fees are charges. To resolve this issue please review the escrow and the amount that is actually being charged. A refund is due for the over overpayment in the escrow back to XX/XX/XXXX and the multiple late fees. 3. Carrington is not following basic escrow practices example if there is a shortage say XXXX the mortgage practice is to divide by 12 which would be XXXX which is added to the mortgage, never 2 times escrow, this practice from Carrington is unethical and causes undue stress of an increased mortgage payment that is unjustified! XXXX the escrow should never have a shortage in relation to taxes because I am on the reduced senior citizen exemption!
05/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30157
Web
Carrington Mortgage company is literally holding my credit hostage. They reported a 30 day late payment to my credit report while Im in the process of trying to get a loan with another lender ( maybe intentionally to keep this from happening ). My payment was NOT 30 days late however. We made payments on XX/XX/XXXX and again on XX/XX/XXXX. This time period is not over 30 days due to XXXX XXXX in XXXX. I wrote a formal letter to their research department stating this, and after 30 days exactly they responded that they could not remove this from my report. Furthermore, they are now suppressing the credit reporting of my on time payments for 60 days due to the dispute being filed! This is also hurting me because I am in the middle of trying to get a loan with another company, and to do so I need to improve my credit scores. This is next to impossible when my credit reporting is being suppressed by Carrington Mortgage for my on time payments. Lastly, I have called them to request a letter be sent to the company I am working with to improve my credit scores to let them know that I have made on time payments, and they refuse to do that as well! I called XXXX XXXX to do the same thing, and they literally had me a letter within the hour. They told me at Carrington that I had to go back through the research department to request this letter, and that is the only way that I could get them to send it. I find this to be very archaic, and not up to date to the digital age of sending and receiving faxes, emails, etc. This process as well could take up to 30 days. I find this ridiculous.
09/28/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 11580
Web
I have been paying my mortgage on time for 5 years. I experienced a reduction in my income since XXXX of 2015. In spite of the reduction in income, I remained current on my mortgage payments. Recently, however, I was not able to make payments on my second mortgage with Carrington. I did fill out paperwork with Carrington asking for hardship assistance. Instead, I was sent a document with a repayment plan that far exceeded what I owed in back mortgage payments and exceeded my normal monthly payments. The question I presented to Carrington was one that underscored that raising the amount I owe per month is not a viable solution to my financial hardship. As I discussed the matter with the representative, I was told that I could afford the payments based on the documents I submitted. I am not quite sure how they arrived at that consensus considering my low credit score and overbearing monthly financial obligations. As we discussed the situation further, I was told that I have only two choices ; pay the higher monthly re payment plan or come up with at least 2 regular monthly payments by the XXXX. I was then told that there is no guarantee that the payment will be accepted after the XXXX. I was told that foreclosure proceedings might progress. I am working very hard to raise 2 months worth of mortgage payments to avoid falling into their repayment plan which looks like a scam, because some of the payments wo n't be applied directly to my principal and interest. I 'm asking for intervention into this matter, and a fraud investigation to be opened. Thank you for your assistance.
05/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CO
  • 802XX
Web
A few months ago i had changed and increased the amount of principal on the loan. I remember a notification stating that the new changes wouldnt take affect until the next billing cycle. I was unaware that this would also affect my current autodraft. I understand it is mostly my fault for not noticing the payment being withdrawn and processed. The account being used for the autodraft is an account only used for this loan and a portion of my direct deposit from my employer to cover the amount. I do not regularly check this account because it has been operating this way for 10 years without any issues. I also have been distracted and very busy with the birth of my XXXX child. My daughter was born in Colorado and the travel and time to see her has been challenging and difficult. I would also like to point out that i believe the attempts to contact me were not sufficient. I had received phone calls from Carrington that were automated but did not state the intention of the call. When i returned these calls your offices were closed. The only mail correspondence was sent certified after the delinquency threatening a foreclosure. I also do not continually occupy the home because of my work and my daughter. I have owned this home for 10 years and have never had a delinquency. My credit has been outstanding until this one event. I am in the process of purchasing a new home in Colorado and this has made a very negative impact. My credit score has gone down 100 points because of the delinquency. Please try and make an attempt to withdraw the delinquency from my credit report.
08/12/2015 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • PA
  • 15601
Web
Carrington Mortgage Services released my social security number to another customer. That customer contacted me to inform me of what had happened and said they would delete the file. When I went to XXXX XXXX who released my info, I was told that never happens. That is not good enough. I feel that company should provide me with credit monitoring at their expense! This company from the start was neglegant beyond belief! XXXX our purchase property address, which they claim was a mistake on my end of course. I think I now where I live! They sent me a Uniform Residential Loan Application that XXXX XXXX, not myself, filled out showing our present address as XXXX XXXX as well as the purchase property. I also told them my grandmother needed to walk away with $ XXXX, they listed that as the purchase price making that inpossible after all of their fees. Also, he listed my husbands employer as XXXX XXXX XXXX and not his current one of XXXX XXXX. This is not the credit app I filled out! After complaining about these mistakes I was told they fired XXXX and I was not the only loan that he XXXX. I do n't believe that either! After over 60 days of promises to close XXXX different times and providing us with our locked in rate and approval they denied us stating our debt to income was all of the sudden an issue. I saved every email from the start of this companies lies. It is now XX/XX/XXXX and we have yet to receive anything about our denial and why all of the sudden it occured. The whole experience with this company was horrible and they should be aloud to provide servide to anyone!
10/23/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • Lien release
  • FL
  • 33603
Web Older American
I am seeking a Release of Mortgage. I have a XXXX old second mortgage made through XXXX XXXX XXXX XXXX It was my understanding through numerous discussions with XXXX XXXX XXXX that this loan was bailed-out during the mortgage crisis beginning in 2008. Subsequent phone calls to XXXX legal dept, I was told it was " written off. '' I made a previous complaint through this application to XXXX XXXX XXXX to provide information about this second mortgage. Through this CFPB process, XXXX XXXX XXXX provided that they had service-released this mortgage to Carrington Mortgage . Carrington Mortgage stated on the phone during conference calls on XXXX different occasions- with XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, that the did NOT have this second mortgage, never had this loan, have no information on this loan.. I can not find a way to solve this XXXX problem. This old second mortgage is still on my official records of XXXX XXXX, Florida. It has not been assigned, it has not been transferred through MERS, it does not show up on my credit report ( never has ). I want to get this mortgage released off my record. I need to see if XXXX can help me. They provided a Satisfaction of Mortgage a couple of years ago when I paid off my first mortgage. I am a XXXX yr old woman who has serious health problems. I want to get this resolved so this mortgage disaster caused by XXXX et al, does not pass through to my kids. They don't have the legal, real estate and mortgage education and background that I have. I want to solve this problem before I die.
03/02/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NV
  • 89434
Web
I signed up for automatic payments at the inception of my loan. Records show I enrolled XX/XX/XXXX. In XXXX, an auto payment did not process, and I had a late payment that I manually processed. Each month, I go to the servicer 's website a couple days before the XXXX to see that it's set to take the automatic payment. This month, I went to the website on XX/XX/XXXX, and it said the next payment was scheduled for XXXX, and the previous payment was XXXX. There was no record of a payment that would process or that was in process for XXXX. On XXXX, I checked my bank account, and no payment was processing for my mortgage. The servicer 's site still did not show any payment scheduled or processing for XXXX. I made the payment manually on XXXX so my payment would be on time. Now on XX/XX/XXXX, an automatic payment is processing in my bank account, and the servicer 's site shows two payments received on XXXX. To compound the issue, both payments on XXXX are being applied to principle, interest and impounds ; however, the terms of the Deed of Trust require the additional payment be applied to principle due since interest and impounds were already paid with the first payment. When I contacted the servicer, they said they wouldn't allocate the payment differently. They invited me to send documentation to a fax number to request payment reimbursement, and indicated it will take XXXX weeks before I have my money back, after I send in the information. I tried to unenroll in the voluntary automatic payments, and there is no option to stop the automatic payments from the website.
03/05/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 650XX
Web
Our mortgage company ( Carrington ) did not make our home insurance payment. We paid in advance when we refinanced and make monthly insurance payments through Carrington as part of our monthly payment. Our insurance company ( XXXX XXXX ) cancelled us in the middle of a roof repair for non-payment. Both companies go back and forth about who's error it was. Our home has been hit by several winter storms and the roof was never completed by the contractor because they could not get a response from XXXXXXXX XXXX The ceiling in our kitchen, living room and downstairs bedroom has flooded and ruined the drywall and flooring. We make our payments for both the home and insurance. Countless calls to both companies with no resolution. We can not afford to pay for the damage that keeps accruing. We opened the roof claim in XX/XX/2023 and the insurance said the roof was a total loss. We paid the deductible and started the work. Our contractors attempted to contact XXXX XXXX in XX/XX/2023 and told we had been cancelled. We called our mortgage company and they overnighted a check. The check was not in the full amount and we have yet to see any funds returned to our escrow. Carrington is now sending threatening letter and forcing their insurance on us, which is increasing our mortgage. Carrington also states they are not responsible for the damage to our home. We really need some help. We have an FHA loan and are on a fixed income. With XXXX kids in college, we don't have the funds available for a lawyer or repairs. Thank you for your time and consideration. Respectfully.
04/17/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 11772
Web
XXXX XXXX XXXX transferred my mortgage loan to Carrington Mortgage back in XX/XX/XXXX My taxes and insurance are included in my monthly mortgage payment and I have not missed any payment till date. Surprisingly to me I received a bill from Carrington Mortgage showing an increase of about {$80.00} on my mortgage for The month of XX/XX/XXXX. When I called them they said they have the right to ask me to pay an additional two months escrow. There are several complaints online about this company and its fraudulent practices. My wife and I about two years ago had to file for a mortgage modification with XXXX XXXX XXXX to lower our payment because we were struggling with the payment then. Now this crooks want to add another {$80.00} to our monthly payment. The trick is that they use this tactic to get you to refinance your loan with them. They charge a bunch of fees and you loan amount increase even if your monthly payment is lowered. Immediately XXXX transferrred my loan to this crooked company they have been sending me foreclosure letters even though I owe them nothing also refinance letters and forms.They even went as far as sending someone to my house without any notice trying to force us to refinance our loan which at its Current form we are happy with. We are not looking to refinance our loan and this crooked company dont have any right to add another {$80.00} to our monthly payment. If they dont stop this fraudulent act I and 40 other people I met online with similar complaints will be filing a class action suit against Carrington Mortgage and XXXX XXXX XXXX.
08/30/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • RI
  • 029XX
Web Servicemember
My loan with Carrington Mortgage was paid off through the sale of the property on XX/XX/XXXX. On XX/XX/XXXX, I contacted customer service regarding the status of the escrow refund check as we were in the process of moving and had no way of retrieving any mail that slipped through the mail-forwarding. The representative told me the check ( number XXXX ) in the amount of {$2100.00} was mailed on XX/XX/XXXX, and I would need to wait 15 days before calling to request the check be voided and resent. I have since attempted to follow up, but now that my loan is paid off the customer service phone number no longer recognizes my phone or loan numbers. There is no way to circumvent the dialer rotary to speak to a representative. On XX/XX/XXXX I sent an email and left a voicemail for Carrington Mortgage on their Advocates phone number and email address. Then on XX/XX/XXXX I was contacted by XXXX XXXX that my inquiry was opened, and he would email me with a follow up same-day. I did not receive an email from him or Carrington. The following day, XX/XX/XXXX, another representative from Carrington Mortgage called, stating the escrow check would be issued. I have not heard anything from XXXX, the other rep, or Carrington Mortgage since XX/XX/XXXX. I'm not sure what is going on here, but I need my money refunded to me immediately. I need the timeline of refund and tracking information for my refund check provided as soon as possible. Carrington Mortgage is not responding to my emails, inquiry with XXXX, or any other communication. I need help with this. Thank you,
08/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 63303
Web
In XX/XX/XXXX I entered into a trial loan modification agreement with XXXX XXXX. They had just purchased the loan a few months prior from XXXX XXXX. At the time, I was in the middle of a forbearance with XXXX which was at a standstill due to XXXX backup. I successfully completed the trial and was approved for the modification in XX/XX/XXXX and given a new payment amount. I've been making the required monthly payments since that time, however, my account online and with the credit reporting agencies show me significantly behind and inaccurate account balances. I disputed the information with the credit reporting agencies, and XXXX removed the account from my credit report. I am awaiting a response from the other XXXX. I've called numerous times to inquire about the delay, and I'm always told everything is complete on their end, however the " investor '' has to complete their part. I gather it's the entity hoping I default on my agreement so that they can benefit from the significant equity I currently have in the home. Also, the document reflecting the approved modification agreement is the only document missing from my document center online. Luckily, I had the foresight to request the document via email after several times I was told it was in the mail and I never received the hard copy. A couple days ago I called and stated I was getting an attorney involved due to the harm they are inflicting on my credit history, and today I received an email stating the modification is complete as of XX/XX/XXXX - today. This is contrary to what I've been told since XXXX.
01/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75007
Web
I am being charged 7 % interest on my XXXXyr mortgage and am in the process of trying to refinance my loan. To my surprise my credit score is low and when I researched the issue I found that Carrington Mortgage Services LLC has been reporting my mortgage as paid off in XXXX. My loan is open with an outstanding Principle balance of {$72000.00} as of XX/XX/XXXX, I have been making on time monthly payments of {$1400.00}. I have called several times and been transferred and dropped or asked to send a fax to which I never receive a response or action. I have tried to submit a complaint to Carrington by fax as instructed on XXXX and again on XXXX. I called to submit a complaint over the phone again on XX/XX/XXXX and was told by XXXX that they were actually showing my loan in Chap XXXX BK which is also incorrect. After further research she couldn't determine what was wrong or what to do so transferred me to her supervisor XXXX who also couldn't determine what was going on with my loan or how to correct it and refused to take my complaint over the phone. She directed me to send yet another fax to XXXX XXXX XXXX. I need help in determining exactly what status they have my loan and correcting my credit bureau history to reflect on-time monthly payments. Their incorrect credit reporting has kept me from refinancing my home and has forced me to continue to have an interest rate of 7 % which is way above current rate, I believe they should also be responsible for addressing the excess interest that I continue to have to pay and they continue to collect as profit
06/12/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76051
Web
Carrington Mortgage took over servicing my loan effective as of XXXX XXXX, 2015. Prior to the transfer, on a monthly basis, I was able to make my regular payment and an additional principal only payment electronically each month. However, with Carrington I currently do not have that option because they are taking exceedingly long to process my request for automatic debit from my checking account. I faxed the request on or about XXXX XXXX, 2015. My request has not been processed nor have I received any type of confirmation from Carrington that they received my fax and are working on my request. Since they have not processed my auto draft request, I am forced to make payments online. However, their online system is not equipped to accept my extra principal only payment electronically which is causing me undue stress. I travel Sunday through Friday of the work week. It 's very time consuming to go to the post office to purchase a stamp and envelope. However, I did purchase the stamp and envelope and mailed Carrington my extra payment on XXXX XXXX, 2015. I specifically waited until the online payment was confirmed before mailing the extra payment. I checked the principal only line on the payment coupon as well as wrote in large letters on top that the payment was " principal only ''. I even wrote on my check principal only. Even with the directions on the payment coupon and my check, Carrington still processed the payment incorrectly. They treated my funds as a regular payment and took interest and escrow out. I need help getting them to correct their mistake.
03/10/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 630XX
Web
Carrington mortgage has been collecting my payments without explanation as to where it's being distributed and utilizing an evolving total payment necessary to enforce strict deadlines under threat of foreclosure. Multiple payments remain unaccounted for. They forced me into a foreclosure and slotted me for a bailout. I qualified for a bailout and was told my account was zeroed out and to resume normal payments as of XXXX. Upon going to make XXXX payment, in full, online suddenly states an additional {$1500.00} in " uncollected fees ''?? I have received no correspondence of any sort informing me of any remaining balance such as that. I can not just submit my normal payment safely, as I can not reach anyone to explain nor accept just my normal payment, online, telephone nor fax. The only person I could reach said it was out of his hands and directed me to write a hand written letter requesting any information I would want and send it to Carrington research and provided me with a fax number. He said that you're not accept phone calls or electronic mail and that they would take 30 business days to respond to my request. The fax number proved ultimately to be non-existent I tried it two different places to send it and it would not go through. I have also just found out that they are under investigation and being legally penalized for the very types of things they have been doing to me. I need immediate help so I can make my mortgage payment safely and figure out how to further proceed from here. Any feedback would be greatly appreciated. Thank you very much
10/23/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33025
Web
On XX/XX/XXXX my FHA mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage. Since the transfer, I have made both the XXXX ( online payment ) and XXXX ( telephone payment with bankruptcy representative ) payments to Carrington Mortgage. However, on XX/XX/XXXX, I received a monthly statement from Carrington showing that my XXXX payment had not been applied to my account. It was being held in a " suspense '' account. The statement also indicated that I owed {$10000.00} due XX/XX/XXXX. I immediately called Carrinton and was transferred to a bankruptcy representative who stated that something happened with my XXXX payment and caused it to be sent to a " suspense account ''. She said she would put in an order to have it applied to the account. However, she also stated that Carrington could not find my payment ledgers from XXXX XXXX XXXX, and because of that, they had no record that I had made payments from XXXX. That's why they were billing me for the {$10000.00}. I contacted XXXX XXXX XXXX and was told Carrington had received the payment ledgers along with all of the other loan documents during the transfer. XXXX XXXX XXXX also faxed a copy to their bankruptcy department ( addressed to XXXX ). I called on XX/XX/XXXX and even after receiving the payment ledger fax from XXXX XXXX XXXX ( which had not been scanned into my account, but showed as received by XXXX ), Carrington still has not resolved this billing issue. If this issue is not resolved in a timely manner, my attorney will have to take legal action against Carrington Mortgage.
03/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 216XX
Web
I sent a previous complaint XXXX ; this is in follow up. In summary Carrington Mortagage took over my loan from XXXX XXXX in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00}. XXXX at 11.2 % interest rate. I was in touch with them and completed loan modification papers. My payments are automatically sent from my account. The XXXX payment was sent on XX/XX/XXXX and it was returned to the account on XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XXXX. The letter also said my current loan and agreement was still in place. If that this is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It does not make sense to me. And why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt like they were deliberately trying to take my home ; this behavior from them seems to be confirming that. I donot know what else to do. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help.
01/07/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CT
  • 066XX
Web
I purchased my home in XXXX XXXX, XXXX. And until XXXX XXXX, I was unable to continue paying the mortgage. I was also divorced in XXXX from my wife of more than 25 years. Then after a layoff for six months, I struggled to meet all my obligations even after I have XXXX sons who just began college. I am a XXXX veteran. Over the year or so, I tried to sell my home. The mortgage and other fees is currently held by XXXX XXXX XXXX for approximately {$190000.00} ( Loan # XXXX ). The current servicer -- Carrington Mortgage Services ( Account # XXXX ) -- sent me a letter in XXXX threatening foreclosure if I do n't send {$23000.00} to cure the default. I have been in communications with XXXX XXXX XXXX. Since early fall, I had been by the side of my sister who was hospitalized and took a turn for the worse, right when I was considering returning to my home to do a home modification loan to reinstate. There was no guarantee that XXXX would reinstate, but I had to stay in Connecticut anyway because as it turns, my sister passed away last month. I do not have the money to relocate and I am severely stressed at receipt of the letter to foreclose from a servicer who was just assigned to me. Right now I feel like I am in limbo, having just lost a member of my family, having no home to return ( it feels like ), and limited income. So I am hoping Consumer Financial Protection Bureau can help me. I was in the middle of negotiating with XXXX, and they switched points of contact by assigning the mortgage to Carrington -- who starts out with a threat. Can you help me.
05/15/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • WA
  • XXXXX
Web
I represent a homeowner who has a loan with Carrington Mortgage. We have had a buyer in contract for over a year now. Carrington has been reviewing our short sale for that much time as well. Finally when I thought we would be getting the approval, Carrington closed our file out stating that we did not provide the correct documents that they required for the short sale to be reviewed. This is absolutely not true. I did provide them with the Deed of Reconveyance from XXXX for a XXXX lien that was satisfied over 10 years ago. Carrington wanted a "Release Of Lien" recorded document and not the Deed of Reconveyance document that we provided them from our County Court House. I spoke to title about this document that Carrington wanted and they told me in the Sate of Washington, we do not provide or do "Release of Lien" recorded documents for that type of lien. ONLY a Deed of Reconveyance is given to the bank and seller for this satisfaction of lien. Title even spoke to the supervisor at Carrington about this and told them that there is NO SUCH document when we have the Deed of Reconveyance. Carrington did not care that even a Title officer telling them that what they already have what is legally needed to satisfy that lien. They sill refused to work with me or the seller in getting this short sale back active in review and allow this document to satisfy this requirement. This is absolutely not legal to hold a sellers home hostage and not allow them to exercise their rights to do a short sale when all of the required documentation was provided.
12/30/2018 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 344XX
Web Servicemember
I started with XXXX XXXX from XXXX XXXX who pre-approved me for a VA loan after he ran my credit and took all my information including my income, etc. and said he could do a VA loan for me up {$160000.00}. This was in XXXX of 2018. On XX/XX/2018, I found a brand new home for myself and my family and I signed a contract. We were to close on the home XX/XX/2018. Mr. XXXX assured us this loan would go through and everything was on track but as the days passed there was little to no contact from him.I began to get more and more weary of him especially when I was getting paperwork from Carrington Mortgage. It had looked liked he brought it another mortgage company without me being aware of this. I still was not able to get in touch with him nor was my realtor or the title company.But I was signing all paperwork that I was sent and giving all the necessary information needed to proceed with the loan. Then when I finally did hear from Mr. XXXX, he told me that the loan was to be postponed to XX/XX/18 because he had not ordered the VA appraisal yet. Our realtor, the builder, the title ; company was all waiting for Mr. XXXX to order the appraisal and give final approval of out loan so that the final closing date of XX/XX/2018 could be set and then the call came in to our realtor NOT to us that our loan was in fact denied. NO explanation was ever given to anyone especially us and we were never called, never sent a letter or anything!! Never use XXXX XXXX or Carrington Mortgate. EVER. Now weeks before XXXX my family was all packed up with no home to go to.
06/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 117XX
Web
Carrington Mortgage has requested numerous documents over and over again at one point they claim they have every document to complete a loss mitigation package. Either you get a request for the same documents or something that you sent to them months ago. One explanation for denial of the loan modification was the loan had exceeded the numbers of modifications by the investor. Another explanation was that he did not have enough income,15 full loss mitigation packages have been submitted to Carrington Mortgage and they have requested at least 30 other documents to go with the package. Representatives call Mr. XXXX requesting more and more documents they even advise him to send documents that they did not request. For example : one agent called him and asked for documents that were submitted at least three times before and Mr. XXXX received a proposed social security benefit letter for a sum of money. He followed the advise and then they tried to verify the benefit he does not have it yet because he is not old enough to receive it. They had an auction date scheduled for his home and they just played a game with him and then told him that the sale date was too close and he did not have a completed package so the sale could not be stopped. Carrington rejected his 4506T because he did not have XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missouri XXXX - XXXX They never gave him that information before. He spoke to XXXX, XXXX to name a few. They pass the call from one to five people on each call. Mr. XXXX wants to save his home! Please help him
11/23/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NJ
  • 07008
Web Servicemember
I currently have a mortgage with Carrington Mortgage Company. I am currently a 100 % XXXX veteran. I live in a state, XXXX XXXX, that offers property tax exemption to 100 % permanent and totally XXXX veterans. I became 100 % on XX/XX/XXXX. In XXXX, XXXX, I followed Carrington 's advice and went to my XXXX XXXX office and Carrington was notified of my exemption. My tax office reimbursed me previous taxes taken out. At that time we emailed and faxed a copy of my Department of Veterans Affairs Award Letter and NJ Tax Exempt Letter. However, it has come to light that Carrington is still paying my taxes out of my escrow, when I am exempt. My Tax office continues to return payment as over payment. It didn't seem like an issue until on XX/XX/XXXX, when I went to pay my mortgage, and there was in increase of {$2000.00}. When I immediately contacted Carrington, they deflected and put blame on Tax office and they would investigate. 1 week later I contacted Carrington for an update. Once again I was told, " we are waiting on your tax office '' This is not true. I then went to my XXXX office on XX/XX/XXXX and we called Carrington and nobody answered. Tax office provided me with invoice showing that they sent back {$6200.00}, due to over payment. As I have contacted Carrington on 7 occasions, each time I'm told its the tax office.I can not pay my bill, since this issue is preventing me from doing so. I do not believe Carrington is equipped to handle veterans loans, especially in this type of scenario. How many other veterans are getting screwed over.
04/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30087
Web Older American
Carrington continues consistently make Fraudulent Activities on this loan. They had someone put a letter in our mailbox after XXXX pm last night. It was dated XX/XX/XXXX. I got the mail at XXXX o'clock that evening and that wasn't there. My husband check the box after work which was XXXX last night and it was there. It was dated XX/XX/XXXX. The letter had new payment due dates. It is NOW XX/XX/XXXX thru XX/XX/XXXX with a total now of {$15000.00}. The payment went sent on XX/XX/XXXX, they took {$140.00} out for the Property Inspection. So it was not enough for the payment. It was put in unapplied funds. The new letter now shows the property inspection fee as {$20.00}. The unapplied fund amt stayed the same. We tried to make XXXX and XXXX payments. The Account was LOCKED It would not allow us to make those months ' payments. On XX/XX/XXXX they said we were PAST DUE for XX/XX/XXXX thru XX/XX/XXXX We sent copies of the CHECKS to show the payments were made. At that time the amount was {$14000.00}. I ask CFPB to have Bank XXXX XXXX send our PAYMENT HISTORY from Years XXXX through XXXX. They sent XXXX through XXXX. XXXX XXXX XXXX had this loan from XXXX through XXXX. There needs to be a FORENSIC AUDIT on this LOAN. We did not miss a payment. We are been harassed and we FEAR FOR OUR LIVES. This Is called BANK FRAUD. Help us SAVE OUR HOME. XXXX XXXX XXXX and Carrington SHARE RESPONSIBILITY!! XXXX XXXX XXXX Transferred the Loan To Carrington. Will Someone, Please put A STOP TO THIS HARASSMENT DO A FORENSIC AUDIT TO THE LOAN!! THIS IS DANGEROUS
11/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30096
Web
In XX/XX/XXXX I updated my banking account details with Carrington Mortgage that were saved on their third-party payment processing website, XXXX. In XX/XX/XXXX, I submitted a dispute with Carrington Mortgage because their website did not process my payment according to the new banking information but instead reverted back to the saved information causing my payment to be late. Carrington acknowledged their error and suppressed my credit reporting for XX/XX/XXXX. I have used the same stored banking information until XXXX of XXXX when I updated my account details again on XX/XX/XXXX. The same thing occurred where my new information was not used, but the stored information was used and caused my payment to be returned and thus reported 30 days late. This time, Carrington outright refused to suppress my credit report and responded to my multiple disputes with inaccurate information regarding my banking details ie referring to a XXXX XXXX XXXX account that I did not have open when my XXXX payment was made. They have also refused to share any documentation received from XXXX detailing my activity on their website the day in question. I am demanding Carrington fix the error with my credit report as my payment was made on-time and wasn't my fault that their third party website for payment processing has a known glitch which they acknowledged in XXXX of XXXX. After a year, they are now stating that they made an error in XXXX and there was no known glitch. I have a letter from Carrington that ackowledges a known error with XXXX dated XX/XX/XXXX.
12/19/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MD
  • 20603
Web Servicemember
Please be so kind and address this, as this mortgage company has a habit of trying to foreclose on properties that are not past due per my past emails and proof to your office last XXXX. I will submit the necessary documents to you to begin addressing this issue again. I made XXXX payments in XXXX for XXXX and XXXX. Said payments were for {$1900.00} withdrawn from my checking account on XX/XX/2022 and for {$1900.00} on XX/XX/2022. My XXXX time being a bit late. I contacted Carrington, regarding in advance. I had a minor set back due to unforeseen circumstances, but I am not late. This is in addition to said company reporting to the credit bureaus on the XXXX and XXXX of the XXXX. I also enclosed proof of XXXX payment. Law states that mortgage cant report until XXXX XXXX. Please be so kind and rectify this travesty of justice. This company has been fined by the CFPB for rogue practices and now I need your help again. They have several lawsuits against them for violation of RESPA, the Fair Credit Reporting Act and etc.. Payments have been misapplied apparently or not applied, as this is a tactic used by Carrington to foreclose. There are XXXX of complaints and numerous lawsuits against Carrington for their rogue practices and knack for trying to, illegally, foreclose on people 's homes illegally. This company needs to be shut down, as they are destroying people 's lives with their tactics. Below are a couple of the many links that reference the issues consumers have with Carrington 's illegal practices : XXXX XXXX XXXX XXXX XXXX XXXX
08/13/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 286XX
Web
Like many people, my mortgage went into forbearance earlier this year with Carrington Mortgage. During this time, I did not make 2 monthly payments ( XXXX and XXXX ). On the Carrington website, it said that my forbearance period ended XX/XX/XXXX and that I had to communicate with Carrington to make arrangements. Carrington never reached out to me or advised what my next steps were. XXXX XXXX I call them and they direct me to an online survey they were working on ( that was down for system repairs ). XXXX XXXX I fill out the survey. In the survey it asks if I could start making payments, which I said I could start making in XXXX and pay 2x per month for 2 months to catch back up. I get no response after I submit the survey other than a brief statement saying they would be in touch. End of XXXX I call Carrington because I get a statement saying I am delinquent on my loan ( which has been in forbearance )??? I call them on XX/XX/XXXX and they say, ok, no problem, make your payments as planned 2x per month until you are caught up. I say ok, pay 2x on XX/XX/XXXX, and then again end of XXXX / early XXXX. But now they have reported me to the credit bureaus as being 60 days late that lowered my score 136 points! I spoke to Carrington multiple times, had an " escalation specialist '' even call me, agree with me, tell me they would fix with the Credit Bureaus and send me an email ... still nothing. I feel like this can not possibly be right and I feel like they are just so ill equipped to deal with this situation that they are steamrolling me.
10/24/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Trying to communicate with the company to fix an issue with the application process
  • MA
  • 018XX
Web
I went through a long arduous divorce. I applied for a re-modification with the bank. Part of the divorce agreement with my ex-wife was she would sign off the deed to the house, for an exchange of {$34000.00} transferred via QDROS from my 401K to her 401K account. The QDROS process began in XXXX XXXX XXXX XXXX XXXX I was told that the QDROS process may take up to 3 months but no longer than 5 months. I communicated this information with the bank. I was approved for the modification, but the paperwork arrived with my ex-wife name on the paperwork. I contacted the bank and explained the entire situation. They sent out new paperwork without her name on it. I reached back out to them explaining that I needed to wait for the QDROS to take place so she would sign off the deed to the house. I was under the assumption that the bank was working in good faith with me. They knew I accepted the terms of the re-modification. Within 30 days of the last communication with the bank, I received info in the mail with an auction date of XXXX I have been working diligently with the company & administration handling my the QDROS to try and get a date for the QDROS transfer. I'm finally getting information stating that the paperwork was submitted for preapproval and then will be sent to the court within a week or so for court approval. As of XXXX today ( XXXX ), people were outside of my home in an auction bidding for my home. The home went back to the bank today. I am working in good faith with the bank to resolve this matter and to retain my property.
05/04/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • IL
  • 604XX
Web
On XX/XX/2023, an official request was made to Carrington Mortgage for the payoff amount of a home loan. That request was sent to me via email that day. I then forwarded that information to my attorney, who then forwarded it to the title company for closing. The closing was XX/XX/2023. I received a call from the title company today, XX/XX/2023, to inform me that Carrington Mortgage declined the wire transfer to pay off the loan. I then called Carrington Mortgage and was informed that an email was sent to me on XX/XX/XXXX, to reflect an addendum of an additional {$3100.00}. I informed the supervisor that I never received any communication reflecting a different amount. The supervisor informed me that there were two additional documents emailed to reflect two different payoff amounts. I informed the supervisor that I never received an email indicating these changes in payoff amounts. I also expressed that my concern about this information being negatively reported to the credit bureaus. The supervisor said there was no wrong doing on their part and there was nothing he could do. I immediately wired the additional funds ( difference between the three different payoff amounts ) to the title company so that the initial wire transfer could be released for payoff. This action is unfair to me as a consumer because I requested information and was given incorrect balances three times. The negative reporting to the bureaus for delinquent payment will negatively impact my ability to purchase my new home, which I am currently attempting to do.
02/19/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37620
Web
TRANSFER TRANSFER TRANSFER The company that deserves to be shut down : Carrington Mortgage Services LLS XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX I first obtained a loan through XXXX. After only XXXX months, my loan has been transferred to a new servicer the XXXX time. And, this time, it has been a disaster. Once transferred to Carrington Mortgage, I immediately started calling and trying to settle their request for flood insurance. Because we own a condo, it is purchased and covered in our HOA payment. I wish I had tracked the number of times I called or emailed Carrington to explain this, but I did not. Nonetheless, each time I called, I was told it was resolved. Then, I would get another letter saying they had no record of flood insurance and that Carrington Mortgage would buy flood insurance on our behalf... what! Is this legal? As I explained many times through phone calls and emails and their online document upload process, our flood insurance is through our condo HOA! We do not buy it separately. Yet, they have chosen to charge us for another policy! Yikes! How does this happen after repeated attempts to fix it? Today, I also received a large check from Carrington that appears to be our escrow refunded, and they did not pay our real estate tax. It does not matter who I call there, I can not get anything resolved. Please help. Here is the information that might be needed to get this worthless company to fix our account : HOA company that can provide flood insurance policy information : XXXX XXXX XXXX
03/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08094
Web
For the last 2 years I was on automatic payments with carrington mortgage after I bought out of foreclosure. I took myself off in XXXX for XXXX payment. At the end of XXXX I made my XXXX and XXXX payment. I then went on in XXXX to restart my auto payment and saw that it said my XXXX payment was due. I checked my history and it said I had around {$2000.00} in fees that I knew nothing about. I called and asked what they were for and no one could tell me. They said they would waive the fees but it would be 10 days. As this would not cause me a late fee I had them do it. On XX/XX/XXXX after everything was updated I made a partial payment for XXXX. I then logged at the end of the month and made what there website was the remaining balance for the month. In the beginning of XXXX I logged in to setup my automatic payments again starting in XXXX and it said my XXXX payment was due. I called again and was the {$800.00} was used towards fees which still no one could identify. After 30 minutes of going back and forth they said it would be 10 days to fix again but then I would owe around {$200.00} for rest of the payment. I made the payment and started my auto payments again. It is now the end of XXXX and it says my full XXXX payment is due and I owe a late fee. When I look at my payment history it shows money going in suspense account and then being taken out but nothing going to my mortgage. I would like this issue resolved but I feel if I call again they will give me the same run around I will just end up in with same problem next month.
04/14/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NV
  • 89148
Web
I sent my servicer a QWR only to have them disqualify it as a QWR. Qualified Written Request, No matter the title I still have a right to get my answers, in the proper format, the questions were only about my loan pertaining to my home, I did not ask any other questions that they couldn't answer. As part of the qwr I asked for a " certified " copy of the note, assignments and deed of trust, they didn't even follow those simple request, nor answer the questions at hand. I believe the reason is they don't possess those documents sense they are not in the capcity they claim to be, none of the documents that they may have are ligitamate the assignments are incrrect, the notary dates are not the same, when recorded at the county recorders there is no book # or page # its recorded book XXXX XXXX XXXX that is incorrect, there is an assignment from XXXX XXXX XXXX XXXX XXXX which I don't see how it can be valid the original lender had went out of business months before the date of the assignment, so how can XXXX be a nominee for some one that no longer exist? At the time of XXXX XXXX XXXX XXXX raid by the FBI those loans should of been re-written and not sold in bulk, qll in all I am quite sure that Carrington Mortgage services does not own my loan as they say they do and I have the right to get answers from my letter that was sent to them and they should follow the criteria set forth in the letter, anyone can forge XXXX digital copy of documents. I have attached what I could the other docs exceed the XXXX mbs limit, they ae available
12/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AZ
  • 85719
Web Older American
My significant other purchased a home in XXXX Az in XX/XX/1999. In the last 23 years, the servicer has changed several times currently Carrington Mortgage is serving us previously it was XXXX. I have occupied this residence with my significant other and paid the mortgage on the property since XX/XX/1999. My significant other passed away on XXXX. Upon confirming that I am the legal " successor in interest '' with Carrington Mortgage by presenting them with appropriate verified documents and their acknowledgment of them. Carrington Mortgage informed me I would not be allowed to have my name on the Mortgage unless I negotiate a brand-new Mortgage with them, in addition, I would not be reported as making payments on time to the credit bureaus even after I have been making payments on the Mortgage for the past 16 years. Carrington Mortgage has deactivated the auto-pay access for the account. I have to manually ( talk to an agent ) in order to make payments. Carrington Mortgage has offered no help nor are they providing timely monthly statements. I work and my job barely gets me home in time to make payment calls. Manual payments are not accessible on weekends. They're greedy and want a refi the mortgage because my monthly payment is under {$500.00} and 7 years to the end of the contract. Not to mention their need to appear profitable in order to make itself attractive to XXXX XXXX which they are in the process of being acquired by. Are these actions by Carrington Mortgage legal? Is there any relief for my situation?
05/09/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 856XX
Web Servicemember
In XXXX of XXXX my Wife contracted XXXX XXXX. She was ill for approximately 8 weeks and was unable to work. We took advantage of the loan forbearance offered by XXXX XXXX XXXX to make this period easier financially. My Wife recovered and returned to work in XXXX and we resumed the mortgage. We have made all payments since the forbearance without issue. We noticed on our online banking statement that the loan had been transferred to another company. When I called the bank they stated this was standard and that the new mortgage lender would be contacting me with information on how to make my payments. I then received a letter in the mail from XXXX XXXX XXXX stating we owed them over {$6000.00} due by XX/XX/XXXX. I contacted the new mortgage company that stated we had to pay this debt to XXXX XXXX before we would be allowed to pay our current amount due for the month of XXXX. I was told that I had until XX/XX/XXXX to do this or the new mortgage company would proceed with taking action to foreclose on my home. How can they do this to people that are already suffering financially? This seems like a predatory scam to me. I have had a home loan with XXXX XXXX XXXX since XXXX, and now all of a sudden when we utilize the forbearance offered to us, our loan is sold to another company and immediate repayment is demanded to avoid foreclosure. I am doing my best to get the money together, and should be able to do this, but what about the families that can not. Most people can not come up with {$6000.00} in 30 days. What happens to them?
05/09/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WI
  • 53402
Web
In XX/XX/XXXX my husband was out of work and we fell behind on our mortgage. After a lot of work and time we were able to prevent our house from going into forclosure by getting a loan remodification with XXXX XXXX XXXX. This helped for a while but we were still not able to keep up so in XX/XX/XXXX we filed Chapter XXXX bankruptcy to basically keep our house. The Bankruptcy was basically only filed for the amount that we were behind, which was {$17000.00} and of course legal fees. So shortly after we filed, XXXX XXXX XXXX sold our mortgage to Carrington Mortgage, and did not send us any statements for months and still, they do not send us any statements. The whole thing is a mess and we are told we can not get statements because we are in bankruptcy. Then 3 years later we get a letter from XXXX XXXX XXXX 's lawyers, which not even sure why they are bothering us when they don't hold the mortgage, but now they want to sell our house because we missed 6 payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$6600.00}. Except I have proof that all of those payments have been made. They are also claiming that XXXX XXXX XXXX who at the time was Co- Debtor should be responsible for the {$17000.00}, except for he is deceased and has been since XX/XX/XXXX and was removed from the home and the loan back in XX/XX/XXXX, way before we filed bankruptcy So here is my concern, what gives them the right to do this to us. Cause this grief to people, cause me to spend money that I don't have because I have to get my lawyer involved!!!
06/10/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 305XX
Web
My wife and I moved into a Family 's home that was larger. We rented out my home at XXXX XXXX XXXX, XXXX XXXX Ga. XXXX. The rental tenant skipped out and trashed the home. We tried to short sale the property and the bank declined the offers. I tried to do a deed in lieu and they did not do that. They started the foreclosure property 3 years ago. They even changed the lock and winterized the home. Two years went buy and they never foreclosed. I filed bankruptcy on this last year. They still have not foreclosed. They have been paying the property taxes and insurance yet the home is still in my name. I called FHA resources and he stated their is no claim on my XXXX report of where Bankruptcy was started therefore they illegally changed the locks on the home since it is not in Bankruptcy and still in my name. I do not want the home back, I want them to foreclose on it like we agreed 3 years ago so I can re establish credit and buy again in the future. Furthermore this home is getting vandalized and people are doing drugs in it. I contacted the police as I see it unsafe for the neighbors and children out playing, he stated that they have contacted the bank regarding theses issues at the property as well and they do not bother to board the home up or do anything to prevent this from occurring. I feel it is unfair they have changed the locks and started the bankruptcy process over 3 years ago yet have not reported it to FHA so it can begin to give me a clear XXXX report. Again, the address is XXXX XXXX XXXX, XXXX XXXX Ga. XXXX
05/16/2022 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NC
  • 284XX
Web
Dear Consumer Financial Protection, I had made a complaint prior to you about XXXX XXXX XXXX. They encouraged me every three months to do a forbearance when I lost my job because of Covid. XXXX reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After they received complaints from your company they sold my loan to Carrington mortgage. I was contacted from Carrington mortgage stating my loan had been bought out by XXXX XXXX XXXX. I never received any notices from XXXX XXXX XXXX stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification. I have worked so hard in my life to build up my credit score it was EXCELLENT now it is fair. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX XXXX also reported I was 120 Days late?? The loan was bought out XX/XX/XXXX. I was told 3 times when I called to check on the ststus, it will take 30-60 days to update your loan. I still have not receives anything through the mail on by phone. I have been trying to work out this loan since XX/XX/XXXX. Thank you nfor you help, XXXX XXXX
06/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38583
Web
My mortgage loan was sold to Carrington Mortgage Services LLC around XXXX or XX/XX/XXXX. On XX/XX/XXXX, an escrow disclosure statement was sent to us stating that there was a shortage of {$230.00} for XXXX. I paid this amount on top of our regular payment on XX/XX/XXXX. However, as of todays date, our escrow and monthly payment has not been recalculated. We have been paying the additional monthly escrow amounts that are included in the new monthly payment as if they escrow shortage was not paid. I called Carrington on XX/XX/XXXX, asking why our payment amounts were not reconciled and have not been notified since, and my amounts due have not changed. Also, as of XX/XX/XXXX, Carrington is now charging a {$5.00} convenience fee for making a payment online through their app or through their website for normal, timely ACH payments. I attempted to instead make a payment through their online automated phone system, and was notified that there is a {$10.00} fee for using that automated ACH system. On XX/XX/XXXX, after being notified of the fees, I spoke with an agent and was told that the fees are from Corporate and that my only options are to sign up for automated deduction to bypass any fees or set up bill pay through my bank, or send a check in the mail. When I tried to set up bill pay through my bank, my account number could not be found in Carringtons bill pay and I copied the number exactly. I was not notified of any fees for making a payment and do not understand why a fee would be charged for simply making a payment.
09/20/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 983XX
Web
We have been in regular contact with our lender on a rental home we were in the process of selling. The original buyer defaulted so it did n't close in XXXX as planned. I maintained close contact. We had another buyer set to close on the XXXX XXXX Carrington Mortgage told me on several occasions we were okay and they would let us know if foreclosure proceedings began ... .it was n't in foreclosure. The FULL payment was wired Friday XXXX XXXX. They rejected it Monday, the XXXX, saying it went into foreclosure on the XXXX. Now they say it takes 48 hours before we can get another payoff amount and they wo n't accept the funds. Buyer is in the home. As I stated ... .they are being paid in full. We were to get about XXXX and apparently they seem to want that to. How can they do this after providing a payoff amount? We had absolutely no idea ... the second lady at Carrington said it was n't actually in foreclosure just foreclosure status ... .so they want attorney fees now. Though it was forwarded such a short time ago the ca n't even give an amount because whomever this supposed attorney has n't done anything .... We still have n't heard from anyone or been given any documentation stating the home went into foreclosure ... ..just a payoff that gave figures that could be used until the XXXX. Which now Carrington is trying to say the payoff expired even though it said here is the amount and add this much per day until XXXX XXXX, etc .... for payoff. Escrow wired the full amount Carrington Mortgage said good through XXXX XXXX.
07/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • KY
  • 40353
Web
Carrington Mortgage Services, LLC ( XXXX, CA ) recently bought our mortgage from XXXX XXXX XXXX. I have not recieved a notice or letter from my new service, Carrington Mortgage Services , LLC . It has now reached the 15 days time frame I should have received a notice, as mentioned in my rights from the notice from my previous server, XXXX XXXX XXXX. When I called Carrington Mortgage, they refused to take a payment by phone or online. I am not current on my loan and need to make payments but it seems they are trying to make it " difficult '' to get a payment to the company. Not sharing important information of where to send the payment, not giving me my new loan number and refusing to set up payments. However when I agreed to send a XXXX XXXX they stated " I better call because they may " flag '' my loan as foreclosure. However I have not received 'Any ' information from them. I am really upset and disappointed with the company and when I asked about setting up automatic withdraw payments after the XXXX is paid and the account is current, they statement reply was - I would not be able to set up automatic withdraw payments for six months of paying current. I feel this is discrimination also due to the fact that I had a financial hardship while being laid off XXXX. Why would a creditor not want automatic bank payments??????? Straight from you account ... The answer I feel is they are trying to set me up for failure to loose my home. The law states this should not happen. I am wanting to make my payments. Please Help!
07/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92584
Web
Good day! I received a modification with Carrington Mortgage. It was confusing because first i was denied then I received one, then I was trying to make the payment on XXXX XXXX and I called the number on the modification and I was not able to make it. We called Carrington and spoke with XXXX in foreclosure department and he advised that someone would call me. I never received a call. I kept calling the bank to no avail. We called again today and finally spoke with XXXX in the Home Retention Department and I was advised that I had to reapply. I offered to make both the XX/XX/XXXX payment and the XX/XX/XXXX payment, but she said she could not take my payments. This has been a very stressful situation and I am at my wits end. Now XXXX advised that I have until Thursday XX/XX/XXXX to submit ALL of the documentation all over again. Please assist me in not losing my home, as I waited over 5 years to finally receive one and when I was going to pay they are not taking my payments. Another thing that they did, is that we kept having people trespass onto our property because all along they had the property on Auction.com while we were in the modification status, so how can we believe that even making the payment the house would not have been foreclosed, seems they have been dual tracking all along. The people stated that we were going to auction because we were losing our home! Can you imagine how one feels when we are trying to make payments and we hear this? We need your assistance in this matter. Thank you in advance.
11/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55422
Web
In XXXX I sued Carrington Mortgage Services LLC aka Carrington Resolution Services LLC ( CMS ), in Federal Court for reporting false, and duplicate information to the credit reporting agencies, and then refusing to take the information off my credit reports, after the issue was brought to their attention ( violations of the FCRA & FDCPA ). In 2016, CMS paid a substantial settlement to me in order to settle the lawsuit. The debt was a 2nd mortgage on my property. My complaint today is because I have since been made aware that CMS violated the terms of the settlement agreement that they signed with me and are in breach of the contract, as our Settlement Agreement and Mutual Release ( SA ) specifically states and promises that I would be release " of all claims whatsoever '' ( item # 4 in the contract ) as a result of the agreement. However, I later learned that they sold the 2nd Lien rights to XXXX XXXX XXXX ( I am filing a complaint against them as well ). The 2nd lien they sold to XXXX is a " claim '' by definition, and was the only security they held against my property, therefore, CMS is in violation of our SA. I am currently trying to refinance my house, however, XXXX has stated that the will not provide a lien release on the 2nd lien that CMS sold them, until they are paid {$35000.00}. I have now suffered damages, as my lender is unable to secure a lien release. XXXX was unable to respond to a recent Validation request yet is demanding $ XXXX for the lien that CMS had already promised to release me from.
02/19/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 20175
Web
I paid my mortgage on time through the XXXX bill pay service, and have a history of paying it on XXXX or XXXX of the month for 6 months with Carrington, without any issues. However, in XXXX, I scheduled my payment for the XXXX and Carrington attached a late fee saying the payment was received after the XXXX. I checked with XXXX and verified the payment was delivered on time, with my financial institution. However, Carrington did not process the payment until XXXX XXXX. On XXXX XXXX, I faxed a copy of the check reflecting delivery date and payment on time, along with a letter to Carrington, asking them to waive the late fee since payment was received on time. They held the money and processed the check, which is no fault of mine. In XXXX, I received XXXX nasty notes, collection and a late fee notice of XXXX from Carrington. I called and spoke with their rude representative, XXXX ( # XXXX ) and asked for resolution. I asked to speak with her supervisor and she told me I could not. She only gave me his # XXXX, but would not give me a name. She said she could not provide resolution and she now needed copies of my bank statement, which I refused to send her and let her know. This has to be a violation of some financial rule or regulation to safeguard consumers. Why would they need my banking statement with my PII information. I informed them that I filed a complaint with CFPB and today followed up with their consumer advocate department ( XXXX ). I am seeking resolution and the late fee and any implications waived.
08/09/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TN
  • 378XX
Web Servicemember
My prior mortgage service, XXXX ( XXXX XXXX ) sent me a notice of transfer of servicing rights to Carrington. Carrington sent me the following email on XX/XX/2021 stating the following in its entirety : " Please note that your loan has not finished the transfer of servicing process, and we will notify you once the process is successfully completed. During this time, you will not be able to set up your online account and our customer service representatives will not be able to provide information related to your account. Rest assured, we are working to make the transition as easy as we can. During the next 60 days, Carrington will not assess a late charge on a loan payment received by your prior Servicer on or before its due date. Your account will not be reported as late to the credit bureaus during this 60 day period. Once the transfer of servicing process is complete, we will send you an additional email with instructions on how to create and manage your online account. Thank you, Carrington Mortgage Services , LLC '' THE PROBLEM IS : My automatic payment to XXXX XXXX should have come out of my account on XXXX. It appears XXXX XXXX has stopped taking my payment. Carrington has not informed me of how I am to pay or to whom. Today is XX/XX/2021 and my mortgage payment is due to someone, presumably and I don't know how or who to pay. I have a superior credit score and pay all of my bills timely. I do not want to have any issues just because the mortgage services aren't promptly transferring my account.
08/30/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • TX
  • 765XX
Web Servicemember
I had to request a supervisor as the XXXX operator was getting XXXX So as I spoke with the Supervisor XXXX I believe she cleared up the situation as mach as she could. She explained to me that Carrington has a policy of holding back two months of Escrow. I stated that is fine but why are you hiding this on the Escrow total. You show balance of {$1600.00} but you payments show I have paid {$1900.00}. I asked why are you hiding the difference and as she stated they are holding back two months ... why? What I paid is what I paid why do you have to hide this! Does this seem as a scam to you I ask CFPB? Should no-one hide two months of escrow from the home buyer. I should be posted as that amount is what has been paid. If Carrington mortgage needs two extra months it should ask for and prorate those two extra months but the true total amount should not be hiding from the borrower. I did not ask for this mortgage company to handle my mortgage and so this mortgage holder should treat me better and in hopes that they treat they borrowers whom have requested Carrington to be their mortgage holders. Of course the supervisor is just doing her job and has no control over what Carrington does but it is the Mortgage Company whom should at least put a " Bullet Mark '' by the amount and have a comment below to explain why the amounts don't match. What if I did not call Carrington regarding this issue... the company never mentioned this, the company could haveeasily just taken the money from me and or others unknowingly.
11/16/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 22193
Web Servicemember
Carrington Mortgage has refused to assist us during loan modification process. I made two trial payments and was late on the last one due to XXXX. They refused to work with me to extend last payment, they also have not credited both payments made to the account nor have they returned the payments to me after refusing to extend and instead cancelling modification. They have not returned numerous calls myself and HUD counselors have made to move foreclosure date and allow to continue doing loan modification. They have refused to escalate the file to loss mitigation and process the current loan modification file stating it was within 37 days of foreclosure. The paperwork sent to us clearly stated the date of XX/XX/XXXX as deadline to receive RMA and it was sent XX/XX/XXXX. They are purposely delaying and not replying or notifying us of status of modification application despite continous attempts on our side to be able to keep our home. I have included second RMA submitted to them on XX/XX/2018 that they refuse to review and closed without contacting us if anything was missing or needed to be added for consideration. We keep getting different answers about the status of the RMA. I am XXXX XXXX veteran, XX/XX/XXXX XXXXXXXX XXXX/XXXX, and XXXX XXXX XXXX XXXX on extended medical leave due to health issues and XXXX for myself and my father. I am a XXXX for my elderly father who in the last year had XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and has XXXX XXXX XXXX XXXX requiring continuous medical care.
02/23/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 45005
Web
I recently called to request a mortgage statement. I was notified that my account was flagged due to BK. Which is a bit incorrect. Filed Ch XXXX/Discharged in XX/XX/XXXX, Mtg not included. I was told I had to send them a written notice to get my statements turned back on. I know this is incorrect because we get monthly statements. Just not consistently. We are purchasing a new home and they needed this. I asked to be transferred to BK dept. I was on hold for over 10 minutes. The lady came back on the line and said, " I can not reach anyone they must be experiencing high call volume, what is it you need? '' I replied, I just need that monthly statement! '' I explained to her that my husband had called the previous night and they agreed to fax both months statements, but then I was told that she had submitted it for approval and it was denied. This makes no sense!! Then, I found out they reported that we filed a BK in XX/XX/XXXX, which is absolutely absurd. We have not spoken about, attempted, filed, etc. One and only time was XX/XX/XXXX. I call to ask for a letter to confirm house was not in BK so we can close on new home. They again said, " need a written statement ''. I replied, " Not that again '' Then asked to speak to a manager. Of course, after being on hold for 10 minutes. I hung up. What bothers me more is I can go online, see some of my account. Get payoff requests, see last 12 months payment history, but ca n't get a simple monthly statement? We have never been late, not prior or after BK EVER!
05/11/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 211XX
Web
I vacated the house I owned in XX/XX/XXXX or XX/XX/XXXX. My wife at the time moved out and I could not afford all of the bills I had on my own. I filed for bankruptcy and moved to an apartment. I surrendered the home in bankruptcy. I have no interest in moving back into the home, since I have started a life in a completely different area. I have taken excellent care of my finances since that time. I would like to buy another home in the near future and I am approaching the necessary waiting period after bankruptcy. However, since the bank never moved forward with foreclosure on my old home, it still appears on my credit report as mine. Also, once a foreclosure would take place, another waiting period would begin before I could buy another home. Realizing this, I contacted a real estate agent and foreclosure lawyer and initiated a short sale XX/XX/XXXX. We are at the one year mark now and the process is still not complete. My lawyer has been great about keeping on top of this and trying to move it forward as much as possible, but the bank continues to delay the process. Many of the issues the bank has been bringing up simply are not applicable to someone in my situation. They have had me provide my budget several times and have asked for me to provide evidence of insurance on the home. I keep telling them that I surrendered the home in bankruptcy over 5 years ago. The bank is Carrington Mortgage. They took over the mortgage from XXXX XXXX XXXX. Please contact them and ask them to move the process forward.
08/09/2017 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 33033
Web Servicemember
LOAN # XXXX First and foremost we only and mainly fell behind because without notification out mortgage was increased due to an error that was on Carrington part I believe. We have never paid property taxes because we are exempt from taxation being that my husband is a XXXX XXXX XXXX XXXX military veteran. Carrington said that they received a bill in which is false but sent a payment to XXXX XXXX county property appraisals office and after waiting about 3 months to correct the issue they indeed received the money back that was paid out. I did not agree with the increase and instead of paying increased payment I wrote a letter of explanation and sent in what my regular payment would 've been in to them for a couple of months. By the time the issue had been corrected and funds returned 3 1/2 months had gone by and they refused to go back and lower the payment for those month leaving my family completely overwhelmed. Now we have been trying to do a modification and are having our document declined and saying it 's not correct even after documents are coming directly from official government entity like social security department of veterans affairs and department of children and family even getting departments supervisor involved. It is my belief that Carrington Mortgage Services is trying to maliciously sabotage our loan for their own reasons like selling our home to themselves for {$1000.00} and thamks to the VA A RESCISSION was granted and we moved past it. We are in great need of help and assistance.
03/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
Web
It has been a nightmare to retrieve clear information on my current mortgage company since 2005 my original loan balance has sky rocket to XXXX from XXXX with no clear reason why. I am under litigation with XXXX XXXX XXXX XXXX who is suppose to be the original lender but all documents are un clear on who owns my loan. I am represented by a law firm that is protecting my intrest in my property. I requested documentation on payments history but no one has addressed my request. There are jumps of huge amounts on my credit report not showing why, unclear charges and reason. We have gone to court. Which a forclosure was set to take place and an appeal was issued. DATED WAS CANCELED AND NO NEW DATE HAS BEEN ISSUED.I have been throught 5 different mortgage services,1 XXXX XXXX,2 XXXX XXXX XXXX XXXX, 3XXXX XXXX XXXX,4 XXXX and know 5 carrington mortgage. They report to XXXX and XXXX misleading Information, and inaccurate information. I have sent certified letters to the credit bureau with no resolution. I requested proof of amount due and MY complaints have not been address. Only that validatation was completeted. When I call they just tell me the orginal lender has verified the information, but when I ask how they never address my question. When I request proof they never respond. Until the information is validated and submitted for legal review I need the information on my credit report suspended and deleted. Under the fair credited reporting act unverifiable or incorrect information can not be reported
08/05/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • TX
  • 78209
Web
Dearest sirs ... The above servicer ( Carrington Mortgage Services, working for XXXX XXXX XXXX XXXX XXXX ), sent a third party company to my home/homestead and trespassed onto my property, then pounding on my door, arrogantly stating " they are seeing if anyone was living at my home ''. I took the third party 's company name, the agent 's name, and filed a police report with the XXXX XXXX police department. My 4th ammendment rights were disregarded. This has caused me great stress. My attorney ( XXXX XXXX XXXX ) has been made aware of this. The original hardship on my mortgage was due to the usurious 11.8 % interest rate. I am offering a final payoff settlement of {$650000.00}. The original loan was {$310.00} in 2007. The financial crash causing a need for a lower interest rate. All efforts to come to a final resolution have fallen on deaf ears, i.e mediations, modifications, etc ... My mortgage has been through numerous banks and servicers the past twelve years. I can only imagine how many times it has been sold and resold. Carrington Mortgage Services is demanding the 12 years accrued usurious interest of 11.8 % payoff, being {$850000.00}, all the while attempting foreclosure. I believe my final payoff offer of {$650000.00}. Is fair and just. It would take me 60 days to expedite. Thank you for your kindest help in this matter. A prayer of blessings to all involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Mortgage loan # XXXX Original XXXX Loan # XXXX Original XXXX # XXXX
07/31/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30097
Web
On XX/XX/2018 I reached out to my mortgage company for assistance because of loss of income. I was working a XXXX XXXX and it ended in XX/XX/2018, so I fell behind on my mortgage payments. I reached out to XXXX XXXX XXXX XXXX and they were willing to assist me during my hardship. We contacted Carrington Mortgage Company to confirm they would work with XXXX XXXX XXXX. They said " YES '' they would work with XXXX XXXX XXXX. On XX/XX/2018 Ms. XXXX from XXXX XXXX XXXX contacted me to let me know that XXXX XXXX wanted to assist also and it would leave me with a balance of {$3300.00} to bring my account current. Yes, I felt XXXX had answered my prayer, finally help to get back on track. Ms. XXXX asked me to come into the office on XXXX XXXX so we could Speak with Carrington Mortgage about our plan to get the mortgage current. The Representative we spoke with was very negative, saying they could not accept our payments and my home would be going in foreclosure. I thought Mortgage Companies should be helping people stay in their home instead of trying to foreclose. Carrington agreed to working with XXXX XXXX XXXX XXXX and now they refuse the payment so that they can foreclose on my home. I have never seen anything like this in my life. It's cruel for Carrington to foreclose on my home after they claimed they would work with me. It's obvious they do not have consciences. I do not want to lose my home. Carrington, why are you refusing payment when you agreed to working with XXXX XXXX XXXX? This is so WRONG!
07/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 32092
Web
My mortgage note was recently sold from XXXX to Carrington Mortgage as my new loan servicer. I incur a late penalty fee due paying on the last possible day of the grace period which I 'm comfortable with and have been paying for the past several months. Recently however, Carrington has begun charging a " {$5.00} convenience fee '' which I was not fond of because they did not originally charge this fee for payments made through their website. In lieu of making payments through their website, I decided to set them up through online bill pay from my XXXX checking account in order to avoid the {$60.00} annual fee. I had the payment scheduled for XX/XX/XXXX in order to give it a couple of extra days to clear on their end. The funds were not disbursed because my available balance was {$830.00} and funds required to pay my mortgage were {$830.00} ( short by XXXX cents ). I immediately processed an external transfer of {$10.00} from another checking account of mine to assist in covering the payment. By the time the funds were deposited ( 48 hour turnaround ), monies were disbursed on XX/XX/XXXX to Carrington Mortgage. Since the payment was not applied until XX/XX/XXXX by Carrington, they have now reported me to the credit bureaus and I have suffered a substantial credit hit. My FICO score that I have worked extremely hard in maintaining excellence ( nearly XXXX points for many years ) has now dropped severely and this is all due to being short by XXXX and also wanting to avoid an unnecessary {$5.00} fee.
01/31/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 78254
Web
I have a mortgage with Carrington Mortgage. They took over this mortgage loan on XXXX XXXX 2016. My monthly mortgage payment includes and escrow portion for taxes and insurance. Carrington Mortgage failed to make the insurance payment causing my policy to be cancelled for non payment. The recent XXXX storms caused damaged to the home. The home is exposed to the elements and is at risk of additional damage. Carrington is trying to shift responsibility of the non payment to me. The property has no insurance and despite my efforts I am transferred between people with no progress. They have advised me that they will force place insurance at a higher cost causing my payment to go up and my coverage to go down for my own personal investment interest on this property. on XXXX XXXX they said they would send an adjuster out and they have not contacted me or sent anyone out as of XXXX XXXX. They are talking about filing a claim with another company which will not work since the damage is preexisting. They clearly have no idea what they are doing. They need to prioritize the issue since the property is not properly secured and exposed to the elements. My efforts at covering the hole in the roof are temporary. If another storm goes through there will be additional damages. In the meantime, I have tenants displaced that I am covering their housing costs.Please kindly involve yourself in this issue to get the mortgage holder to understand the severity and importance of their proper handling of the matter.
10/11/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28269
Web
Carrington Mortgage Services violated my consumer rights. A debt validation letter was sent to this company on XX/XX/2021. This company failed to provide any documents validating this alleged debt. Instead, they sold my personal information to another debt collector after receiving a cease and desist all collection activity letter. This company has harassed and sent threatening parcel to my residence without prior consent. This company has also threatened me with foreclosure on my home and that they would charge a late payment fee on an alleged debt I do not owe to them. I am the original creditor and my consumer rights has been violated. I have communicated with this company the they do not have consent from me to sell my personal information to anyone and that it would be a direct violation of identity theft if conducted. Listed below are all the violations : 15 USC 1692f : Unfair practices, 15 USC 1692e : False or misleading representations, 15 USC 1692d : Harassment or abuse, 15 USC 1692c : Communication in connection with debt collection, 15 USC 1692j : Furnishing certain deceptive forms, 15 USC 1692 : Congressional findings and declaration of purpose, 15 USC 1692k : Civil liability, 15 USC 1691e : Civil liability, 15 USC 1691c : Administrative enforcement, 15 USC 1691a : Definitions ; rules of construction, 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1681c : Requirements relating to information contained in consumer reports, 15 USC 1681b.
01/14/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 95472
Web
During the last six months, two automated payments scheduled from my account at a third-party bank were returned. These payments were intended for Carrington Mortgage Services , LLC . and were returned due to nonsufficient funds ( NSF ). I resolved the first immediately. The second was created by issues with the third party bank. Upon attempting to resolve the second returned payment, without disputing its occurrence or associated fee, Carrington has informed me that I must pay using only means that have an additional cost to me. The options are certified funds and for-fee money transferring businesses. Carrington is not responsible for the issues that occurred. However, the corporation 's malfeasance in its actions and its negligence per se have caused me harm and undue financial hardship. Under GA Rule 80-11-6-.02, Mortgage Servicing Standards, any person who services a closed-end mortgage loan ( " servicer '' ) shall act with reasonable skill, care, and diligence. Furthermore, fees shall not be charged to arrange repayment or facilitate routine borrower collections. By forcing me to utilize limited, fee-based options, I assert that Carrington Mortgage Services has failed in its responsibilities under the law and acted without reasonable care and diligence in my attempts to resolve a debt. Lastly, Carrington Customer Services representatives sought to restrict my access to claims resolution by engaging in misleading business practices such as withholding information and access to solutions.
01/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 027XX
Web
XXXX XXXX AT XXXX REACHED OUT OT US NOTE BELOW EMAIL INTERATION Re : XXXX Fri, XX/XX/2019 XXXX XXXX XXXX ( XXXX ) To : you ( Bcc ) + 3 more Details XXXX i called again and left message for you again today -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; MORTGAGEASSISTANCE XXXX Sent XXXX Thu, XX/XX/2019 XXXX XXXX Subject : Re : XXXX XXXX PLEASE ADDRESS WHO IS HANDLING THIS ACCOUNT??? / WHOS WHOEVER HANDLING HAS ADEQUATLEY REVIEWED ACCOUNT HAS IN DEPTH KNOWLEDGE AND EXPERTISE TO HANDLE. ALSO ADDRESS IN WRITING WRITTEN XXXX REQUESTS, CONCERNS IN WRITING AND REQUESTS FOR INFORMATION NOT INCLUDING BUT LIMITED COMPLAINTS AND SUCH WARRENS -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wed, XX/XX/2019 XXXX XXXX Subject : XXXX XXXX HELLO This message is intended for XXXX XXXX. My name is XXXX XXXX and I am a Home Retention Specialist with Carrington Mortgage Services. Please call me at XXXX. I need to review the paperwork you submitted for your modification. I am here between the hours of XXXX to XXXX Pacific Standard Time. I would appreciate an opportunity to speak with as soon as possible. Thank you XXXX XXXX Loss Mitigation Associate Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Office Hours : XXXX XXXX to XXXX XXXX ( PST ) M F Direct Line : ( XXXX ) XXXX XXXX WE HAVE TRIED TO CALL AND LEFT MESSAGES 4 TIMES SINCE HER EMAIL NO RETURN CALL.THEY ARE TRYING TO MAKE BORROWER LOOK NON COMPLIANT AND HASTEN FORECLOSURE
10/07/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 493XX
Web
I received my annual escrow statement from Carrington Mortgage Services who took it over from XXXX in XXXX XXXX. It shows two shortages, one for increase in taxes and the other to meet the minimum required balance. There is an escrow payment missing in their analysis that creates the short fall, another error that I can not identify and they have also created a shortage by projecting a winter tax payout due on XXXX XXXX being made in XXXX of the previous year. I called and was disconnected three times. I finally spoke to someone who did not understand the schedule and could not explain the shortage to me. She ended up telling me I needed to file a complaint with their complaint department. I have sent three emails with no response and just tried to fax them and their fax machine is not answering. My discussion with their representative was horrible. She originally told me the property taxes are paid 2 months in advance because it takes XXXX township that long to process payments. I spoke with XXXX XXXX and they post in 24 hours. In addition, the summer taxes due in XXXX are paid in XXXX or XXXX. This has been a horrible experience and I do not know what to do. My mortgage payment have increased by {$620.00} per year of which only {$250.00} is related to actual cost increases. The remainder is due to them missing an escrow payment in XXXX XXXX. They are also projecting the payment of property taxes two months early before the escrow has replenished ( summer taxes paid in XXXX, winter in XXXX )
08/24/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • AL
  • 36526
Web Servicemember
I knew approximately 60 days I was going to be out of a job and completely out of income. I was also rapidly depleting savings. I started to reach out to my servicer, Carrington, as quickly as possible to advise them of my situation and to request a forbearance or deferral in order to help preserve my credit while Im aggressively pursuing new job opportunities. For the last several weeks, i have submitted documentation, i have submitted letters of explanations and Im now officially late by two weeks. All I had were sporadic emails telling my loss mitigation request was missing documentation. The department REFUSED to talk to me, hear my case and I was forced to talk to 7 different customer service reps who had a variety of different versions of my assistance request. They called me to demand payment today. I told them i had repeatedly provided loss mitigation everything they needed. The rep then put me on hold spoke to the department and then came back and said that they closed my case and stated that i just default, tarnish my credit before theyll even start to consider working with me! The VA service rep tried to help as well and they were essentially told, no assistance would be provided. Trying to be a responsible debt holder has been painful to say the least and Im in desperate need to guidance and help to have their loss mitigation stop ignoring my calls for help. Please help me bring direction to this. I do not want i lose out home and am just asking for temporary assistance.
12/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WA
  • XXXXX
Web
On XX/XX/XXXX, I made a payment over the phone with an representative from Carrington Mortgage Services. I was later informed by mail that the payment was not processed and was rejected by my bank despite funds available in my account. On XX/XX/XXXX, I paid {$11000.00} to Carrington via western union per the instructions on a letter I received from Carrington. The total amount paid was sent in 3 subsequent payments due to a transfer limit capping at {$5000.00}. In total, I sent {$5000.00} tracking # XXXX ( XX/XX/XXXX XXXX ) {$5000.00} tracking # XXXX ( XX/XX/XXXX XXXX ) {$1900.00} tracking # XXXX ( XX/XX/XXXX XXXX ) I was sent certified mail from Carrington about my mortgage not being paid on serval occasions. I called them to inquire why my account had not been updated and was told they didnt receive one of the {$5000.00} payments. They couldnt tell me why or where it was. XXXX XXXX confirmed they accepted it. Today, XX/XX/XXXX I received a text stating the payment posted to my account. Nobody can tell me why it took 20 days and what happened to those funds. I feel like they are negligently handling my account and its causing me stress. They should be accountable and yet they have no answers. I dont think their business practice are in sync with the law and would like this audited. They should not be sending me certified mailed about being behind on payments when they were given payment nearly XXXX weeks prior. Late fees imposed, negative reporting to credit agencies. This isnt right.
09/10/2020 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22401
Web Servicemember
I, XXXX XXXX, am reporting against the business, Carrington Mortgage Services. They have been reporting me being late on payment going back to XX/XX/2018. What occurred was Carrington Mortgage picked up my mortgage from XXXX XXXX XXXX which the transaction was not successful. XXXX XXXX XXXX withheld money in the transaction to Carrington Mortgage. We were reported by Carrington Mortgage that we had been late on payments from XX/XX/2018. Carrington wanted their {$300.00} and didn ; t consider the amount transferred from XXXX XXXX XXXX. We have been making payments to the company every month. The company does not want to provide correction to the credit bureau on making payments on a timely basis. As an active serviceman, the company had been not providing accurate service regarding me being a good customer to the credit bureau. The company does not have a section that resolves these issues. The only thing they have is a record department that has been non compliant in assisting me with my credit to the company. This issue is placing problems with my active service record and clearance status. Carrington has not been compliant with customer service relationship with me nor members of my family during this time. I want them to take this off my credit. I have never been late paying my mortgage and the company doesn't care. We paid this XXXX {$300.00} a while back and the company still does not want to establish it. I want my credit to be fixed and for them to correct this. This is
11/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85029
Web
The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process on my fha loan. So I set up a promise to pay on both of my loans approximately XX/XX/19 to figure out what was needed on my accounts, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a couple of payments it was. So with their actions another payment needed to be made due to error in the reporting process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.
06/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32751
Web Older American
To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed XXXX of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXXXXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by XXXX, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XXXX, and would like to do so in peace. I am providing the attached information. Regards, XXXX XXXX
09/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KY
  • 40291
Web
My mortgage company is reporting a past due mortgage to the credit bureau when my mortgage is not past due. They are also trying to make me pay a balance that was not included in my mortgage refinance. About a year after I refinanced my mortgage through a modification, Carrington Mortgage Services then started adding a balance of {$6000.00} plus to my mortgage which already included in the modified amount of the mortgage. Nowhere in my modification documents does this amount exist otherwise but someone in the bankruptcy department decided to add the additional to my bankruptcy even after it was applied to the balance in my modification. They have now reported this as a past due payment to the credit bureau when in fact my mortgage is current and has been for some time They are now showing my mortgage as 7 months past due as of this complaint filing for {$20.00} per month payments. I have asked them to correct this and they have refused. My bankruptcy will discharge this month and they were originally included until the modification, at which time they gave notice of no claim. They simply refuse to correct this and now puts me in a situation whereas I am unable to refinance my mortgage with anyone. Also they have this fee on my account that I don't know why its there for {$90.00}. I had originally thought I'd need Covid relief, but did not, and have been making my payments. They are just daily distorting my account because I believe they want to try to illegally foreclose on my home.
02/22/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60608
Web Servicemember
In 2016 my mortgage was sold to Carrington Mortgage Services. The online interface for Carrington frequently lags behind, is regularly incorrect, and they do not provide any notifications about activity on your account. When I attempted to set up recurring payments online, the account told me that if I signed up it would cancel any outstanding payments. It turns out that they did not cancel my payments, and as a result I had multiple payments taken out of my account in the same month, putting me in great financial and emotional distress. To stop this from happening I put a stop payment order on the account from my home bank account. When I attempted to pay the mortgage the next month, I mistakenly left the stop payment on my checking account, causing the payments to not make it to Carrington. Carrington has responded by banning me from making online payments for a period of time, but didn't tell me until the payment by mail was guaranteed to arrive after the 30 day period I have to make my payment. This has resulted in my credit score going down, I have to pay an extra cost each month so that I can physically mail a check, and this makes it much more difficult for me to pay my mortgages on time as I have to verify online and over the phone every month that they have received the check. I feel that by selling my mortgage to a company that actively makes it more difficult to pay my mortgage, I have been put at a significant disadvantage than I was at during the original agreement.
11/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 077XX
Web
carrinton mortgage started servicing my loan XXXX XXXX from XXXX XXXX XXXX I was in default and now am paid up as of XXXX/XXXX/XXXX with help from homekeepers program the bank was supposed to recast the loan and give me statement on disbursements on how the monies were paid out as of now they have not given me a statement on what my monthly payment is supposed to be 1 letter said {$2300.00} the 2 said {$1600.00} the website says {$810.00} and someone I spoke with said it is {$1400.00} they just received {$50000.00} to bring my payments up to date so I was not in default and lower my payments so it was more affordable and my payment is due by XXXX/XXXX/XXXX and they are not giving me a straight answer on how much my payments are and it is putting me in a situation of being in default and I was told that they are not going to send me a statement or payment coupon and they do n't have to. they are also not endorsing an insurance check from XXXX under payment which I had to have a third party neutral review despite their policy clearly state as long as I am currant and the check is under XXXX send it in with the adjusters report unsinged and they will endorse it and send it back I sent in all of the documents as well as invoices and proof of payments,3rd party recommendations they also sent an inspector who said it was 100 % they sent the check back unsigned and altered it by stamping the front they have only had loan for 4 months and I feel they are trying to make me default on my loan
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33991
Web
Carrington Mortgage is incorrectly reporting late payments. XX/XX/23 : Dispute reason : " nder 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late. '' XX/XX/23 : " Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please see attached screenshot of Loan paid off before XXXX with XXXX dollars due. Update Account to NEVER late. '' A letter was faxed to Carrington Mortgage on XX/XX/23. Showing over 10 errors in the account reporting. They did not fix any of them. I had to call for them to even respond to the request for fixing the account. I attached proof to Carrington Mortgage. No payment was ever 30 days past due. They CHANGED NOTHING. XX/XX/23 : Dispute reason : " XXXX - XXXX - Under 15 US Code 1692f ( 1 ). Unfair Practices- Please Delete Immediately '' Carrington mortgage just moved late payments around. They were never late. They were not 30 days past due date. I have tried disputing this with all bureaus. Please look at all letters sent to show the errors in the report. Please pay special attention to the letter sent DIRECTLY to Carrington Mortgage. This has prevented me from getting a mortgage. I sold my house with the intent to buy another one directly after, but they have caused financial harship. I have even started the process to try and file civil claims for FCRA violations. Please update to PAYS AS AGREED, NEVER LATE.
05/11/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70817
Web
In XX/XX/XXXX , I along with thousands of others lost my house to flood waters. Since that time I have paid {$55000.00} out of pocket on repairs. After sending in information to the Carrington Loss Draft Department several times starting on XX/XX/XXXX , I was just informed today, XX/XX/XXXX , that one of the notarized documents is missing the property number. I have spoken to a review board and several employees in t he Loss Draft Department over the course of the last month , and never was this mentioned.I also found out that the documents were reviewed on XX/XX/XXXX , the same day I was told that disbursement was requested. I was informed that I should call back in 24 to 48 hours for the details of my check. When I called they told me there was a problem with my paperwork that they received a MONTH ago. The paperwork will be updated and sent in the morning, but it takes 24-48 hours to update the system, then it take 3-5 days to review, then another 3-5 days to cut a check, then it goes in standard mail to arrive to the consumer within 5-7 business days. This process is ridiculous. For 9 months I have been displaced. Since Carrington b ought my mortgage in XX/XX/XXXX I have not missed a single mortgage payment. I feel as though this company is in breach of the covenant of Good Faith & Fair Dealing. An Attorney is being contacted to see if there is anyt hing that can be done about this. Hopefully no one else has to go through this struggle after losing everything they own.
07/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CT
  • 06002
Web
Carrington Mortgage Services is my current mortgage servicer. I normally pay this mortgage by the XXXX of each month. Over the past 6 months, I am getting debt collection calls during business hours on my cell phone asking when I will pay the mortgage. I am not 15 days past due on the mortgage. This is harassment to call me on my cell phone during business hours. I have asked them more than once to stop calling me unless there is a 30 day late. The account representative is extremely rude on the phone saying my payment is due on the first of the month and they will continue to call if I do not pay on the first of the month. I should not get debt collector calls like this. I was laid off during the pandemic from my job and unable to collect unemployment because I could not get through on the phone. I was out of work for three months. During this time Carrington Mortgage services offered NO assistance. They told me to apply for a loan modification and I submitted the paper work etc. I was able to make the payments and my mortgage is current now with no assistance from Carrington Mortgage Services. I asked if they would consider helping me with the credit reporting based on the fact that I could not get through to unemployment to get funds. They refused. I am working with a credit repair company now to get my credit scores back. This is very poor service. They are harassing me during working hours each month if I do not pay on the first of the month. How can I get these calls to stop?
04/16/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 64118
Web
Carrinton Mortgage was paying on two home owners insurance, in XX/XX/XXXX they were notified of that policy being closed, Carrington was given the correct insurance company which was XXXX XXXX. Again in XX/XX/XXXX Carrington Mortgage company was paying a insurance bill on a closed policy with XXXX XXXX in XX/XX/XXXX after i had put them on notice in XX/XX/XXXX. Due to this irresponsible error, my escrow account is - {$3500.00} and my house payment went from {$800.00} to {$1200.00} and they have me in arrears, due to the inflation of house price. I have put this company on notice twice, I do not believe this is my place, they have been notified and now my credit shows i am behind, which i am not. Then I receive a registered letter on XX/XX/XXXX of intent of foreclosure, when I called XXXX the CSR says I do apologize! This is clearly this mortgage company 's error, XXXX said when carrington receives a bill they just pay it, i believe the closed account info I provided to them should of been enough for someone not to make a careless mistake. So my escrow is negative, my house increased {$400.00} my credit has been hit for late payments which i am not, and yet nobody wants to be held responsible. I am working with XXXX, ext. XXXX employee number # XXXX and he was going to open a incident report on Friday XX/XX/XXXX and get back with me and i have called and had to leave messages for him to return my call, I cant get a hold of him, and i cant get anyone to send me to the extension.
12/04/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 62040
Web
Hello. To start off I applied with my mortgage company, Carrington Mortgage, to pay by automatic payments. Approximately 4 months after sending that application through the mail they finally start taking it out of my checking account. The problem was that I had already paid that month 's payment and they never even sent me any notification that it was going through. I made my payment on XXXX/XXXX/2015. The automatic payment went through on XXXX/XXXX/2015. No big deal though because they can refund me my money right? WRONG! I call and they tell me I have to fax my bank statement in to them so they can send me a check. Ok no big deal except every time I tried to send it ( and I tried a lot, at a lot of different times and days ) it says its busy. I called back and they said I could email the statement to them. I call them back to see if they received it and they say that they cant accept it by email. I ask if I can mail it to them. They say nope it has to be faxed. I tell them the issues I 'm having but they do n't seem to care. I ask to talk to a supervisor or manager and they put me on hold and then hang up on me. I called last night and again today and they give me a different fax number each time, none of which have worked. They tell me there is nothing they can do until they receive that statement. I just want my money back before XXXX and it does n't look like they have any intention of refunding it to me. I do n't know what else to do. Hopefully you can help me out. Thank you!
05/10/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 08742
Web
I have been trying to do a loan modification on my mortgage and carrington mortgage services llc has not been helpful at all they deny me for missing paperwork and they already have it several times they asked for same document denied my application then told me the next time they have that same paperwork that they said they did not have.The most recent denial was for the reason of me not living in the house under fha guidlines even though they knew that there is water damage to property .There is an open insurance claim that there lost draft department is hounding me for the check yet there loan modification dept uses that against me this has been going on for at least 5 years now the reasons for there denial are unjust they use a little bit of the information they have access to against me and never the information that would clear any issues in my favor.They also change how they can communicate with me to there advantage all the time, one week they can email me the next they are not allowed to email me and the same person will tell you that they never were allowed to contact you through email because of company policy even though there is evidence of emails going back and forth for weeks, then all of a sudden you can email the rep again.They also put house on marshall foreclosure sale list without informing me and said that they did not have to inform me of a sale .They turned my last load modification down on a monday afternoon then tried a marshall sale the following morning.
11/06/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76244
Web
I have a loan with Carrington Mortgage. On XX/XX/XXXX I made my payment for the XX/XX/XXXX pmt. Carrington Mortgage held my funds in suspense for over 20 days not applying ti to the regular monthly mortgage payment on my acct which is current. As a result a Notice of Intent to foreclose was sent as well as billing statements threanting to foreclose. However my account was current and has always been current. If they would have applied by funds on XX/XX/XXXX to my XX/XX/XXXX payment no notice of intents or bad billing statements would have been sent. This week on XX/XX/2015 they sent me a letter however it failed to mention why they were holding my funds, it didn't address the notice of intent or billing statements. On numerous recorded calls Carrington Mortgage attempted to collect on the payment they were holding in suspense. Then after realzing they were holding the funds they simply would say "I dont know what happened and why they were holding my payment in suspense". Its not right for them to put me thru this as this is my kids home and its simple you cannot attempt to collect on a debt thats not owed and my XX/XX/2015 was not owed as they had it applied to my suspnese account. Additionally they said they cant help the fact that the notice of intent was sent as it was system generated. if thats the case How many other customers are being affected by their inadequate processes and procedures? Very concerning and I beleive they owe me for what they put me and my family thru.
03/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 20774
Web
XXXX XXXX XXXX is the worst company I have ever seen. Their employees are constantly either lying or making things up and nothing ever gets done. They have negatively affected my account and my credit. Their incompetence and negligence continues to affect me. My loan was placed in forbearance while I was unemployed. I called in XXXX to end the forbearance and was told I had to call back in early XXXX when the forbearance ended. I called multiple times a week to end the forbearance. Each time I called I was told the forbearance would be removed. After every call I was assured it would be removed from my account and the note would be removed from my credit. In each case there was no follow through. The Forbearance was not removed from my account and the note was not removed from my credit. I was told in mid XXXX that i had to pay the amount due from when my account was in forbearance in order to end the forbearance. I did not want to since it was all the money I had, but i was forced to and did just that. However, the forbearance was still not removed. I Finally called in XXXX and they had the nerve to tell me I had not called and that I was re-enrolled in another forbearance. I have been calling for almost two months and yet the note is still on my credit. After calling multiple people at XXXX I finally got to the escalation department who did to try to get my account updated. This is outrageous and unacceptable. I want my records updated and yet can not seem to get it done.
07/01/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TN
  • 380XX
Web
My mortgage was bought out from XXXX by carrington. My family had a few bad financial months, and fell behind on our mortgage. I kept in touch with them and tried to make numerous XXXX payments in which they did not put towards my account, it went into a " holding '' account ( which I did not know ) when I called to make another payment they would not accept unless it was the full balance owed. I started saving money and calling weekly to make sure it would not be foreclosed on so I could pay the full balance. I finally had the total amount due and called to make a payment for my delinquent months. ( I had just spoken to a rep XXXX days prior ). They informed me that my home had already been sent to a foreclosure attorney a week prior. I explained that this could be true because I had just spoken to a rep XXXX days ago and I could make the payment. Long story short after the supervisor listening to her employee tell me all of the wrong information and that I had a few more days to pay and even saying wait till the XXXX month and pay that also -- that I would not be in threat of foreclosure she assured me that her employee did need more training and made a mistake but it would not change the fact that my home was in foreclosure. So now they will not take my payments and I have to pay reinstatement fees even though admitting her employee was wrong and gave false information. Now I am in fear of losing my home all because I relied on the workers to give me accurate information.
01/24/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 33426
Web Older American, Servicemember
My mortgage started out with XXXX XXXX XXXX on XXXX of XXXX. It was transferred to XXXX XXXX XXXX in XXXX. It has since been transferred to Carrington Mortgage Services in XXXX of XXXX. As of XXXX Carrington Mortgage has told us they received a tax bill for over {$3000.00} with a new loan number. On XX/XX/XXXX we received a letter from Carrington ( advance notice of late charge ) the letter is dated XX/XX/XXXX air USPS mail. This is the 1st letter we received with a new loan number from Carrington Mortgage ( see attached ). We have records and we have received from our property appraiser XXXX homestead receipt where it specifies I have homestead exemption as well as total XXXX. We went to the property appraiser 's office ourselves and verified that we don't owe any taxes. When we contacted the military liaison ( supposedly ) office They said that they received a tax bill for over {$3000.00}. On XX/XX/XXXX we sent in our XXXX payment of {$680.00} which includes principle and escrow which is what our payment has been since XXXX of XXXX. And we already have a payment scheduled for XX/XX/XXXX for XX/XX/XXXX 's payment. This amount of XXXX has already been taken out of my bank account yet Carrington tells us that they are not applying it to our mortgage. ( Please refer to Carrington Mortgage reviews ( lies and fraud ) ). I am a 100 % XXXX veteran so where I live I pay no property Ad valorem taxes, only non-ad valorem which is in the amount of {$330.00}. refer to all attachments.
01/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IA
  • 501XX
Web
I was two months behind on my Mortgage with Carrington. I made the two payments on XX/XX/XXXX. They had recently completed escrow analysis effective for XX/XX/XXXX. I wanted to make sure the escrow analysis included the two escrow payments which included in my mortgage that was made on XX/XX/XXXX. Also want to see what my LTV ( Loan to Value ) and see if could delete the PMI. My calculations I am around .73. I should have my PMI deleted when I was at 78 per cent. The previous service was with XXXX XXXX XXXX and to avoiding doing a modification they transferred my loan to Carrington Mortagage I called Carrington Mortgage XX/XX/XXXX around XXXX central time. I asked for a new escrow analysis. The representative could not confirm there was any changes in my escrow because of the two mortgage payments. I explain to her that if those two escrow payments was not included that would eliminate my shortage by me making the two mortgage payments. She told they will not do new escrow only if taxes, insurance or if shortage is paid. Then ask for what my LTV is. She did know what LTV was so I explain to it to her. She told me she did know where that information is. Then talk to Senior Representative and was told the same thing. I started discussing about my PMI to the Senior representative she keep referring my mortgage as a FHA. I did point out that FHA has MIP and not PMI. I also advised my loan was either XXXX or XXXX XXXX. I felt like new more about my loan than Carrington did
07/17/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 144XX
Web
XXXX XXXX XXXX sold our mortgage to Carrington Mortgage Services in XXXX of 2015. According to them I started out a month behind in payments. I had paid every month they sent statement and tried calling customer service to discuss this but got nowhere. They offered to take a partial payment by check as the website would only allow a payment in the amount of two months XXXX, however there was a fee to do this. I then mailed a check to them and in the meantime started receiving certified letters of Intent to foreclose on our house. Even if they are correct we are only about 3 weeks behind on XXXX payment this is so ridiculous. We looked into this new mortgage company and were horrified to see what had happened to other people, they had lost their homes in a matter of months with this company. We paid the extra month they said we owed just to avoid ruining our credit and losing the property and the day we paid I received a statement in the mail informing us they were raising out monthly payment by {$210.00} explained only as other in the payment breakdown. I ca n't afford that and there is no reason for it. The escrow is currently {$510.00} a month which is {$6100.00} a year. The projected annual escrow payments are only {$5600.00} a year. The amount of yearly escrow? now if that 's even whee its going will be {$8700.00} per year. They do not need to pad the escrow with an extra {$3000.00}. We are very afraid that we will lose this property and need to know what we can do.
12/05/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 359XX
Web Servicemember
My loan transferred to Carrington Mortgage Service XX/XX/XXXX. Since then it has been extremely difficult for me. I didn’t receive any statements until XX/XX/XXXX. I’ve called and talked to 4 different people with 4 different stories in which no one could help me. 2 different times a supervisor was supposed to call me 1 week ago and now 2 days ago. My old mortgage company was working with me and even though I am behind, let me still make 1 payment a month. Now since my loan was bought out I suddenly have to make 2 payments in which I can not do at the time. They will NOT accept my 1 payment I’ve tried to make 3 times. I feel that this is highly unfair. I feel as if they are trying to just take my home and make it difficult for me. Also my payment was supposed to go down close to $XXXX starting in XXXX according to my old servicer. Keep in mind that “everything from my previous company stayed the same” but Carrington is telling me that my payment did not go down when I have the documentation to prove it. I feel cheated and like no one knows anything about my loan. I can not get answers or anyone to call and help me. Especially after I wait on hold for 30 min to speak to someone. Someone that specializes in my loan is never available. I am mad that my loan was transferred and strongly dis-like Carrington Mortgage Service considering how I’ve been treated. I never ever had a problem with my previous mortgage company and they could ALL help me and actually called back.
10/26/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29680
Web Servicemember
My mortgage was sold by XXXX to Carrington Mortgage. Upon notification I stopped the auto- draft from my checking that paid XXXX , so that I could pay Carrington XXXX Payment was made on the XXXX of XXXX by me. The auto- draft followed my mortgage to Carrington anyway and another payment was drafted in the XXXX of XXXX. When I realized this occurred I contacted Carrington who gave me a list of fax numbers to send my checking account summary to demonstrating the double draft. I did so. On the following Monday, three days after my first call, I called back and was told that all had been received and that my check for reimbursement would be here on Wednesday of the same week. Wednesday came and went. I gave it Thursday and nothing showed up by XXXX so I called Friday. I spoke with several different people- again they say they see where I was told that but do not know why I have n't received it. I was transferred to a supervisor whose name was XXXX, who promised to make my case his mission and call me back. He did not. All calls to him have gone to voicemail, and I have spent most of today listening to a system down recording. Finally I get through and after XXXX minutes in their VRU I am told to call back during normal business hours, which are XXXX to XXXX est M-Sat. It was XXXX on Monday afternoon. I have other accounts that have not been paid because of their inability or unwillingness to return my money to me. I am starting to wonder if they have just closed up shop.
12/27/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 75068
Web Servicemember
I filed for covid forbearance during the pandemic related to lost of income per the carrington mortgage policy. I received confirmation from carrington of my acceptance into forbearance. My forbearance was scheduled to end XX/XX/2021. I contacted Carrington to begin start making mortgage payments. I was told by carrington no action needed at this time, they would contact me. This went on for several months. I would call and ask the status of my loan and was alway told the same we are working on it. Approximately XX/XX/2021 I was reported to credit bureaus as being delinquent on mortgage to date. I contacted carrington and was told I never had a forbearance. An offer was submitted by carrington to make {$7000.00} mortgage payments per month to catch loan up. I was previously paying $ XXXX month mortgage payments. This was an unreasonable payment amount. I contacted VA for assistance and was told they were unable to help me. VA did confirm I was never listed as covid forbearance by carrington. I was offered a 3 month trial payment plan of XXXX, which I have paid. My new mortgage payments from loan modification will be XXXX. My complaint is how did I get punished with higher monthly payments, when I followed all policy and procedures per Carrington website regarding covid forbearance? Why is my credit destroyed? It was my understanding forbearance was just a pause in payments set forth by us government. Now I have $ XXXX added to my loan plus higher monthly payment.
09/16/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • DC
  • 20032
Web
In XX/XX/XXXX Carringron Mortgage Conoany reported my mortgage account as being 30 days late. I was bewildered because my account is on a bi-monthly payment plan that pulls funds from my account on the XXXX and XXXX of the month for the applicable months payment. When I went online there was no indication that the amount was not paid because the payment status appeared up to date. When I called and inquired they indicated that a payment on XX/XX/XXXX was not processed and returned by the bank. I mentioned I was unaware of this and did not receive a call or any communication indicating the payment was returned. They indicated the payment was unable to be pulled until XX/XX/XXXX which was 30 days late. I dispute this account because I was not made aware that the payment was not pulled as the account status appeared up to date. Additionally, the bi-monthly payment plan makes the mortgage payment into on the XXXX of each month which means a payment on XXXX would not have been 30 days late. Lastly, there is no documentation that describes the payment requirements, etc. when on a bi-monthly payment plan so this reporting is predatory, unfair and extremely harmful. I have paid my account on time for nearly 3 years and have never had this issue. I signed up for the bi-monthly payment plan in XXXX ; however, based on the ambiguity in the requirements, payments, etc, I have opted to cancel this plan. I am requesting accurate reporting of my payment history on this account.
12/14/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37042
Web
My mortgage 's XXXX XXXX XXXX ) was recently sold from XXXX XXXX XXXX to Carrington. First I did n't receive any info from XXXX that my mortgages had been sold to Carrington. I had to call them when I notice were not pulled from XXXX accounts from whom I bank with and I told Carrington I was set up on ( electronic funds transfer ) EFT 's with XXXX and they told me I had until XXXX XXXX 2016 to make my first payment, They mailed me my auto draft forms forms and I mailed them back, I was then called from a XXXX XXXX XXXX XXXX XXXX saying it will take up to two months for my auto draft to process for my first payment and I needed to mail the payments in, I did n't have the amounts which she gave me and the address. I mailed in XXXX payments which cleared XXXX on XXXX I then received my auto draft back saying I could not be set up until I was in good standing, I called Carrington and they told me mail in another XXXX payments which I did they cleared XXXX. I then spoke with a supervisor XXXX Direct number XXXX and was told to fax up copies of the checks ( but since they electronically processed the checks XXXX said they would not have copies, so I sent them screenshots and I made an appointment the next day with XXXX to get proof that the payments were processed. I the Faxed to Carrington proof of the payments they keep giving me the run around I have never been late in thirty years of payments to XXXX and I feel they are trying to steal my property I need help. --
10/13/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33056
Web
My loan originated with XXXX, XXXX XXXX XXXX and was later sold to XXXX XXXX XXXX. I have an FHA loan. My mortgage fell into foreclosure due to a series of hardships and marital issues. I tried to do a loan modification but was declined. I subsequently opted for a short sale because I needed money to assist with relocating for my sons to keep custody of them and I also need to finish college and can not obtain the loans needed with the foreclosure. I listed my property with a Realtor, submitted my short sale package to XXXX XXXX XXXX and received an approval. As my approval came in, XXXX XXXX XXXX transferred my loan to Carrington Mortgage. Once my loan got to Carrington Mortgage, I spoke with a representative who said Carrington will takeover with the short sale from XXXX XXXX XXXX. He said the sales price needed to increase to XXXX and they had to have a minimum of {$87.00}. I told him that the cash buyer had already increased his offer and I sent the contract as requested to Carrington. I even sent updated income documentation. As I waited to get the green light to close, my home was foreclosed on XX/XX/XXXX and I was n't notified. I was caught by surprise. The attorneys for Carrington never sent me notice and I was waiting on Carrington 's short sale instructions. I raced to hire an attorney who objected to the sale. The property went back to Carrington, but the deed was not transferred because of the pending litigation. I need help resolving this matter
02/22/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • XXXXX
Web
To Whom It Made Concern, This issue is concerning, ( CMS ) " Carrington Mortgage Services. '' In the beginning of XX/XX/2017, I requested that the FHA mortgage insurance premium ( MIP ) to be removed from my monthly payment due qualifying for its removal under Federal Guidelines. CMS responded to my written request on XX/XX/2017, with approval to my request. Although in their correspondence, they stated the payment would be adjusted accordingly, I feel the adjustment is rather-tardy and with XX/XX/2017 payment approaching ( 2 ) two months over due. My property taxes and property insurance premium are unchanged so I feel this issue should be expedited and not delayed. I only receive ( 15 ) fifteen days grace before {$94.00} dollars is added to my monthly mortgage payment, so a short grace should be exercised also. Further, I refuse to have the extra {$180.00} dollars added to the required Escrow Account for the disbursement ( taxes/insurance ) unless I 'm going to receive an agreed upon documented interest rate on the extra funds ; which will not happen. ( CMS ) please expedite the adjustment of my monthly mortgage payment from {$2300.00}. Lastly, I attempted to contact ( CMS ) Customer Services several times via XXXX only to receive PRE-RECORED VOICEMAIL which stated sorry busy right now call back later. Hopefully, ( CMS ) can rectify these issues sooner then later promoting a better working relationship with consumer base. Documents submitted for perusal.
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • VA
  • 22406
Web Servicemember
I have been communicating with Carrington Mortgage about a mortgage assistance application since XX/XX/2022. Carrington Mortgage always made it seem like there something else that was needed in my mortgage assistance application. They would inform me to call them, however, the phone numbers listed are not working numbers. In XX/XX/2022, I started receiving notification about foreclosure options. When I emailed & called XXXXarrington Mortgage, they would inform me those are standard notification and it doesn't mean anything. I continued to follow Carrington Mortgage guidelines of what I was informed, however, Carrington Mortgage processed my payments for amounts they knew were too high for me to afford. I called them immediately and ask for my options. The information I was told was to complete the Mortgage Assistance application again and let the underwriters fix everything. The action that Carrington Mortgage took was reporting " Default '' on my credit report for my mortgage, while I have my mortgage assistance package submitted to them to start making mortgage payments again. Carrington Mortgage seems as if they are mimicking the same actions negative actions they are in class action lawsuit of charging customers {$5.00} of servicing fees in online & phone payments. Carrington Mortgage representatives do not all have access to view attached documents but are allowed to provide information that is misleading since they all can't view attached documents.
11/11/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • NJ
  • 079XX
Web
To Whom it may concern, I am a victim of a predatory loan, ever since I try to refinance the morgage company is not returning my phone calls, I was going througth a financial hardship and this morgage company came with terms that was supposed be better for my mortgage, I was paying {$2700.00} a month then they offer me that if I refinance things will be better. Studently when the new morgage payment came it was for {$3700.00}, I call them and call them and they never got back to me, my loan was {$350000.00} XXXX and now in the statemens say I owe them {$580000.00} XXXX ( with all the fees they say I owe ) yesterday I saw they put the house to auction for ( {$780000.00} ) XXXX, I am trying to contact the lawyer that has my case ( lawyer that works for lender ) and they being avoiding me too. I guess this my last resource before I go to the news and release my statement. Please help, I went to my house and the bank send someone and took all my documents in the floor and guess but the only took the loan papers everything else it was there, I guess they not trying to incriminate themselves. If you go online you will find a lot people taking about this morgage company, what they did to me they have done to other people. Please help, do n't let this criminal get away. I decided to take this step because I believe in justice! And even if I have to go to Washington I will because I am not gon na let them take my house because they think people has no education.
03/19/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75501
Web
Our Mortgage was sold to Carrington Mortgage Services in XXXX of 2014. They bought it from XXXX XXXX XXXX. We have never missed a payment or been late. We have changed insurance carriers several times and this statement will become clear once I state the problem. In XXXX of 2015 we changed from XXXX XXXX to XXXX for our house insurance. XXXX XXXX sent a check for XXXX back to use. We called Carrington to ask what should be done with the money. They gave me and address in Texas to send the money to. We were instructed to explain where the money was suppose to go. I sent a check and a letter stating to put the money back in escrow. The check was cashed on the XXXX of XXXX. I also made my XXXX payment of XXXX. Now the problem is that they are saying that they never got said check. At XXXX they were saying they could not find the house payment either. Well I sent a copy of bank statement show that the check was cashed. My husband called them starting XXXX XXXX. XXXX XXXX said that he would check into it call him back. Friday the XXXX no call so my husband called back. XXXX stated that the computers were messed up. Well no call Monday so we called back and got someone named XXXX would not disclose her last name. Said she was head Supervisor. Said she would look and call. Still waiting for that call. Now they will not take our calls and have blocked us on the web site. The main issue is the XXXX plus trying to raise our payments by XXXX for more escrow money.
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • VA
  • 22406
Web Servicemember
I have been communicating with Carrington Mortgage about a mortgage assistance application since XX/XX/2022. Carrington Mortgage always made it seem like there something else that was needed in my mortgage assistance application. They would inform me to call them, however, the phone numbers listed are not working numbers. In XX/XX/2022, I started receiving notification about foreclosure options. When I emailed & called Carrington Mortgage, they would inform me those are standard notification and it doesn't mean anything. I continued to follow Carrington Mortgage guidelines of what I was informed, however, Carrington Mortgage processed my payments for amounts they knew were too high for me to afford. I called them immediately and ask for my options. The information I was told was to complete the Mortgage Assistance application again and let the underwriters fix everything. The action that Carrington Mortgage took was reporting " Default '' on my credit report for my mortgage, while I have my mortgage assistance package submitted to them to start making mortgage payments again. Carrington Mortgage seems as if they are mimicking the same actions negative actions they are in class action lawsuit of charging customers {$5.00} of servicing fees in online & phone payments. Carrington Mortgage representatives do not all have access to view attached documents but are allowed to provide information that is misleading since they all can't view attached documents.
05/02/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 117XX
Web Servicemember
In the month of XX/XX/2018 I submitted payments to Carrington Mortgage Services LLC in the amount {$6500.00} mailed to the company for an additional principle payment. I additionally made my standard monthly payment of XXXX with an additional principle payment {$320.00} which totaled {$3000.00} which includes the XXXX $ fee for paying it on line. The total payment of {$6500.00} was credited to my standard monthly payments of escrow, interest, insurance and a small amount of principle instead of a total principle payment. This pushed my next payment out until XXXX. This principle payment was made to lower my mortgage balance and remove the PMI ( primary Mortgage insurance ) from my loan. I have called this company 4-5 times to have them correct the payments and credit the interest to my principle balance to no avail. Each time they are contacted they tell me to call back in 72 hours and nothing is corrected. Carringtons number is XXXX during this process they continue to collect interest on the money i have already paid them and additionally collect primary mortgage insurance they are not entitled to. This is outright fraud and a direct violation of the truth in lending act. I would like to file a formal complaint against this firm for their truth in lending as they continue to defraud and allocate funds to imaginary accounts holding these funds to pay balances as they wish instead of following the directions from the borrower. XXXX XXXX -- XXXX
09/16/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 360XX
Web
On XXXX/XXXX/2013 a district court Judge ruled in my favor, XXXX XXXX XXXX XXXX, for my house to be given back to me because Wells Fargo trustee for XXXX mortgage services had no legal standing in illegally for losing on my home, n also, I never signed for my home to be refinanced. I was a victim of identity theft, the documents were all proven to be forged. And neither XXXX mortgage attorney in fact for XXXX XXXX XXXX. Had no legal standing. I deeded my home to a family member. I just recently learned per my family member, the home I gave to her in which the deed was registered n certified with the deeds office, was stolen from her without her knowledge without knoticefication. I learned that Wells Fargo trustee for XXXX mortgage servicing, deceitfully and illegally stole the property and sold it to an unauthorized trespasser through a realtor using a very crooked forecloure attorney firm in MI. They never returned my escrows, or monies they illegally took from payments on this fraudulent mortgage. I am bringing this matter to your attention as I am requesting actions be taken immediately monies returned property returned along with punitive damage as soon as possible. All of this was done without knowledge without notifying by use of fake, forged, n fraudulent documents to the court. This can not go on. The person that living in the home is illegally trespassing, and Wells Fargo, XXXX mortgage illegally trespassed into a property that was not theirs.
04/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 023XX
Web Older American
In XXXX 2015, I spoke to Carrington mortgage to arrange to get current on my mortgage. The Carrington representative and I agreed I would make XXXX payments of approximately {$3000.00}. The Carrington representative took out the first installment of approximately {$3000.00} on the day we made the agreement by phone. About two weeks later I suffered XXXX and was unable to work. I was in the hospital and very limited physically. During this time, Carrington sent the agreement in writing to my XXXX XXXX XXXX which I was not able to check until much later when I was discharged from the hospital and able to walk and start leaving the house driven by family members to do errands. When I checked the mail, I got the letter from correspondence that incorrectly documented our agreement by stating I had agreed to make XXXX payments of more than {$5000.00}. This simply did not occur and was not the agreement made with my by the representative on the phone in I believe XXXX. If you note the payment I made it was approximately {$3000.00}, not {$5000.00}. I am upset that Carrington misrepresented the agreement and would like the company to review the phone records of the call to confirm that I did not agree to pay XXXX payments of {$5000.00} as I know I could not and did not make such payments, beyond the first {$3000.00}. Now that I am recovering from my XXXX XXXX I would like Carrington to explore my options for getting current on my mortgage and keeping my home.
01/10/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • KY
  • 42240
Web Servicemember
My mortgage was purchased by another company " Carrington Mortgage '' who purchased it from XXXX XXXX. I received my last mortgage statement from " XXXX XXXX, '' in early XXXX stating that I have a refund. After calling XXXX ' XXXX ( XXXX ) to speak with them about the refund, the animated machine didn't give me the option to speak with a representative and said to call the new mortgage company " Carrington Mortgage '' about any further transactions or any questions. I contacted the new mortgage company " Carrington Mortgage '' to inquire about the refund and after getting through to a representative and verifying my information, the representative had no knowledge about any refund, did not have the same statement I have. They put me on hold and after 10 min the hung up. I called again and after navigating the automated menus, I got a representative who hung up on me again. I called again for the third time and spoke with another different representative who said the check should of been sent out a long time ago but seemed confused and put me on hold for over 55 min, and nothing was resolved. I called for the forth time expressing my concerns for the poor services and no call backs. I explained again I have a statement the says there is a refund but I have not received any refunds. The gentleman claimed his system did not show any refunds nor did they have any statements from XX/XX/2022. I was put on hold again and hung up on. Nothing was resolved.
11/12/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34609
Web Older American
My old complaint number, against Carrington Mortgage Services is XXXX. This is a brand-new complaint against Carrington M. S., same Account Number XXXX. Item 1. Statement Dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, charging late penalty of {$17.00} plus two months mortgage of {$520.00} each month, total {$1000.00}. This amount was paid through XXXX XXXX XXXX on XXXX/XXXX/15. Item 2. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15. I DO NOT KNOW IF cfpb IS RESPONSIBLE FOR THIS MIRACLE. No payment was required for the month of XXXX 2015, and the penalty {$17.00} was used to pay down the principal. XXXX XXXX I got sick and was not at home. I asked my daughter to pay {$520.00} on XXXX of each month beginning XX/XX/XXXX. Item 3A. Letter dated XXXX/XXXX/2015, stating XXXX/XXXX/2015 payment of {$520.00} was not received and late charge of {$17.00} was assessed. ( This scan at end of list ). Item 3. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, for {$520.00} plus {$17.00} plus {$520.00}. Payment of {$520.00} was made on XXXX/XXXX/2015. Item 4. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, $ XXXX {$17.00} plus {$520.00} plus {$17.00}, grand total {$1000.00}. Item 5. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, asking for {$1000.00}. It is clear to see that by creating a subterfuge of a " NO PAYMENT MONTH '' a charge of {$17.00} could be imposed " EACH '' month.
11/06/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 337XX
Web
I have been sending advanced principal payments to my Carrington mortgage services LLC, which recently began servicing my mortgage. Carrington refuses to apply the funds to my principal balance in the period they were received. I have discussed the curtailment of my payments with a Carrington CSR that informs me that the payments will not be applied to my account until the curtailment balance is equal to the full monthly payment amount. I explained that this policy results in the paying of interest on a principal balance that is overstated by the amount to the advanced principal payments. Paying interest on monies that have already been paid. I believe this violates my consumer rights and several mortgage regulations. Paying interest on the overstated balance amounts to an advanced principal payment penalty. Also, raises other questions such as the interest dollars charged are greater that is spelled out in the loan agreement is the TIL no longer accurate? What if a client stops making the advance principal payments without reaching the amount required by Carrington to actually apply the payment to my principal balance? Do the funds just sit in Carrington 's account? Am I earning interest on my money in curtailment? Is Carrington? Carrington Mortgage must be compelled to change its procedure to comply with applicable laws and regulations. Carrington mortgage should apply all payments to a customer 's account in the period that it was received.
07/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 64804
Web Older American
Carrington mortgage is forcing me to use fee-based ways to send them my monthly mortgage payment. They are refusing to accept my payment by check. If I send them a check they send it back to me uncashed saying I must pay only by using certified funds. They have blocked me from paying online and their representatives refuse to allow me to pay over the phone. I have been told by one representative you are on punishment for 6 months or until we feel that we can trust you again. The punishment they refer to is forcing me to pay fees through XXXX XXXX or XXXX XXXX to pay my mortgage. The amounts I have to pay are different depending on where I look. When calling on the phone it has been XXXX, on the XXXX XXXXXXXX, on the mailed statement XXXX, when speaking to a representative XXXX ; the actual contractual payment is XXXX. I have had to stop a payment in the recent past because of finding out they had added fees and I would be short by paying the contractual amount thereby putting payments in suspense mode refusing to apply it to the mortgage and saying I am late paying my mortgage. On my last statement for the XX/XX/XXXX payment they added NSF fees ( 3 ) as well as a late fee from XX/XX/2023. They also send advance notice of late fee letters before any payment is due. On there they tell you you can pay by phone, check thru mail or on their website but then block you from being able to do that. There is document evidence of all of this attached.
04/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
Web Older American
I XXXX XXXX XXXX, obtained a " Interest Only '' Loan with XXXX XXXX inXX/XX/XXXX, and I paid flawlessly until notified XXXX onXX/XX/XXXX that I was scheduled to retire in XX/XX/XXXX and wanted a Loan with Payment on the Principal not just the interest by a Loan Modification. On XX/XX/XXXX, XXXX informed that the Loan was now being service by XXXX. XXXX steadfastly continue to ask for the XXXX over and over while changing Loan Representatives whom continue to say the file is incomplete. When they finally offered a Loan Modification, it was based on MY SALARY, not my RETIREMENT BENEFITS! I listed the property to SHORT SELL, but XXXX kept refusing the offers, then the Mortgage was transferred to Carrington Mortgage Service on or about XX/XX/XXXX. I used XXXX XXXX XXXX XXXX of Florida to help prepared the Loan Modification Packages and after several Months of sending packages to different Loan Representatives, we finally assigned a thorough, competent Representative, XXXX XXXX, who informed my Representative, XXXX XXXX of XXXX XXXX XXXX, that the Underwriter denied the Loan Modification because my retirement income of XXXX and my non-contributing Borrower, and Spouse retirement income of XXXX was insufficient to offer a Loan Modification based on their Investor 's Guidelines. As Seniors we worked hard and retire only to be told we can not remain in our home after paying for 15 years XXXX plus to XXXXXXXX XXXX over {$320000.00} IN INTEREST ONLY!
03/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10541
Web
We would like to file a complaint against Carrington Mortgage, particularly to bring more accountability and loan-level transparency to their poor performance in the handling of our home loan. We also believe they violated XXXX rules by setting our mortgage payment too high. We are in arrears for $ XXXX on our mortgage. We pay 48 % of our monthly income towards our mortgage. This is not sustainable. We declared bankruptcy in XXXX due to a mortgage that had become an impossible burden. We paid $ XXXX cash in XX/XX/XXXX to bring our account to date. Our mortgage servicer has changed numerous times in the 20 years we have owned our home. We refinanced in XXXX with XXXX at a rate that was not sustainable. Our loan is federally backed, therefore our servicer ( Carrington? XXXX? ) violated the CARES act as my husband and I both received unemployment and filed a Hardship Declaration during COVID. We have applied for NY XXXX XXXX. Our monthly mortgage has gone from $ XXXX to $ XXXX. Weve been working with XXXX XXXX HUD and XXXX for months to try to come an agreement on a loan modification. We wish for our servicer to defer the amount of the forbearance into a non-interest bearing balloon loan due at the maturity of the loan. So far, we have not received an answer. If XXXX approves funding for $ XXXX, we still need to work out repayment for the remaining $ XXXX as well as get our mortgage payment down to a more reasonable 40 % of our monthly income.
05/19/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 79927
Web
I Recently reviewed my credit report and noticed i have more than a dozen reported late payments. In years past while I occupied the home for a very short time in XX/XX/XXXX at the time of purchase and the first few months of XX/XX/XXXX I in good faith made timely payments on the home. It was until after XX/XX/XXXX that I longer occupied the home due to relocation with my employer, XXXX XXXX XXXX XXXX. The situation at the time gave me very little time to find tenants as we no longer lived in the same city which in turn made it very difficult to rent out. As the months and years followed we came across tenants that would not pay on time or pay at all which resulted in the negative items. Being the only income for my family and living out of town it was my duty to take care of them first. My position in the line of work that i do does not allow for us to fall into such situations and can result in my question for suitability for employment. I tried on several occasions to see what the bank can do or assist with out it affecting my credit only to be turned down and advised that there wasn't much help for me. Due to medical reasons for my youngest daughter we were able to move back to our hometown and find a place to stay while we dealt with tenants. I somehow managed to catch up on the payments with my own savings but was still a difficult task. I do plan on keeping the property and have also since found reliable tenants that have not defaulted.
03/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48313
Web
On XX/XX/2021, I sold my home. On XX/XX/2021, XXXX XXXX XXXX XXXX sent certified funds in the amount of {$130000.00} to Carrington to payoff the loan in full. Carrington received those funds on XX/XX/2021 via XXXX over night mail. On XX/XX/XXXX, Carrington sent the funds back to my title company with no explanation as to why the funds were being returned. The XXXX label stated that it is being returned to shipper as receiver did not order, refused ( Original receiver : Carrington Mortgage Services ). I have spoken to Carrington multiple times and they do not show that they ever received the funds to payoff my loan nor that they were ever returned. The representative also advised me that they will not accept the original funds and that the additional months interest is now due for the month of XXXX. They refuse to work with me to payoff my loan as it was the fault of Carrington that my funds were returned. The return funds did not reach my title company until XX/XX/2021, an entire week after the funds were sent to them to payoff my loan, therefore has now caused me to have a 30 day late on my credit report as the loan needed to be paid off in the month of XXXX. In addition, I now have to pay an additional months interest for XXXX, as this is an FHA loan. I do not feel that any of this is any fault of mine and that I should not be responsible for paying the additional months interest nor should I reported to the credit bureaus with a 30 day.
01/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • IN
  • 46385
Web
We applied for a loan on XXXX XXXX 2015. They told us that we would be closing on XX/XX/XXXX. We sent all the requested info to XXXX XXXX at Carrington Mortgage on XX/XX/XXXX. He sent us an email on XX/XX/XXXX stating that it was not in underwriting like he said because he did not have info that we already sent. We resent this info and he emailed us again on XX/XX/XXXX stating more info was needed that was never told to us. We reached out to him daily and he told us they had all info as was in processing. As of XXXX XXXX he let us know they did not do paperwork correctly so they had to cancel original loan and restart the process. We resent everything on XX/XX/XXXX. He reached out to us on XX/XX/XXXX stating there was even more missing info. On XX/XX/XXXX he emailed us yet again with more missing info. We have asked him repeatedly if this is all and he states yes and it is being sent to underwriting. We received even more correspondence on XX/XX/XXXX and XX/XX/XXXX. At this time he stated we can close on Thursday XX/XX/XXXX but he had to have 3 days prior to sign the papers due to the right to cancel. It is XX/XX/XXXX and we were told they deleted our file when they were sending it to underwriting and we have to restart the process. Every time they restart the process our closing cost keeps going up but they do not state why the closing cost is going up. At this time we have not heRd when we are closing and they are not returning our call
07/24/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 70448
Web Older American
I got connected with a so called reputable firm called " XXXX XXXX XXXX XXXX headed by XXXX XXXX ( and another guy called XXXX, I think ) They sold me on how they deal with XXXX XXXX XXXX with home modifications. First I qualified for one Harp? and the other one. Well, I sent in tons of paper work and resubmitted because XXXX XXXX XXXX ( XXXX, according to XXXX XXXX which I will use. And XXXX XXXX XXXX wanted revisions and revisions. Well it seem this group was n't doing so well because this went on for month. Finally, I mysterious got a Pre Loan trail for XXXX months in XX/XX/XXXX, many month later than when I applied. This company assured me I could get qualified, so I put up the {$3300.00} bucks, like a stooge. I wans told to sit tight and XXXX would contact me about the modification. XX/XX/XXXX ... ... ... to XX/XX/XXXX I was sitting tight waiting. No updates at all for anyone. No interest rate and no balance, etc ( Whatever happen to Truth in Lending? ) Well, some time XX/XX/XXXX? I was supposed garnet a modification, but XXXX was smart they knew they did n't follow rulesproperly and conveniently sold the mtg to their subsidiary Carrington to finish their direct work. I have been in the dark unable to speak to anyone about, interest rate and what my mtg would be. Well I got my pre-trial payment notice very cast {$980.00} from $ XXXXI kept called the XXXX and got referred to Carrington and they did n't even know where the mtg was.
04/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 190XX
Web
in XX/XX/2020, i had storm damage at my home where approx {$50000.00} in damage was done to roof, chimney and some interior damage. home owners insurance issued 3 checks made out to me, the public adjuster and carrington mortgage. we were told by carrington mortgage to send the claim checks to them unendorsed, which we did overnight. several weeks later after not having any correspondence from carrington, i called and finally spoke to someone who told me the checks were sent back to me for endorsements. i scrambled and got to the public adjuster who endorsed the 3 checks with me and we again sent them to carrington mortgage services overnight express mail. several more days went by and i started caling them every other day and got different stories from some people at carrington, some were helpful, some were not. as of today, i still have XXXX funds from them. they claim they approved one check for {$4800.00} which is half the chimney invoice. the roof and chimney are completely repaired and now the contractors are pressuing me to get paid. i spoke with my " file owner '' a couple times and each time i do, he states some document is missing, etc. they have had this claim in their hands since XXXX. im not sure why they are just finding out items are missing. more work needs to be done inside the home but i have no personal funds left as i gave the contractors some funds to keep them happy,. please help me. i dont know what else to do.
11/27/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 91775
Web Servicemember
II am a XXXX XXXX veteran ( XXXX and XXXX and XXXX ) I XXXX XXXX XXXX in war, my family and I going through rough times and XXXX hit us too and made things more hard for me and my family to live normal lives, we also have an XXXX son that my wife needs to be with 24/7 she can not work, I was also diagnosed with XXXX and on XXXX and Can not work, we been requesting a forbearance from our mortgage company serviced by Carrington for the last 2 months, we were on a forbearance and it was 3 months only and we asked to extend until we find a solution to find funds to help us pay this unpaid late mortgage to bring us back to normal payment, this servicer is keep denying the forbearance extension and refer out mortgage to XXXX which is XXXX XXXX XXXX XXXX and there address is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. they not only trying to foreclose on me but they hyped the up the mortgage balance XXXX what I owe to XXXX this is an outraged number and a big scam by this XXXX XXXX XXXX, please Carrington is making a mistake after a mistake trying to foreclose on me I been submitting the forbearance request over and over on line via the portal like I was instructed and keep denying it and not sending me any proof of why they keep denying the forbearance. Please I need my home, we have no where to live. my family and I have no money or other means or resources to financially support us. please help us please. thank you and god bless.
10/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 081XX
Web
I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that AG for review. I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. No rights and disclaimer. Most specifically my right to rescind. Authentication issues with any MERS loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? How much nothing before this company is in dishonor. I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more fraud.
09/11/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • FL
  • 32246
Web Servicemember
Unfortunately, my mortgage was involuntarily transferred to Carrington. I am XXXX XXXX XXXXXXXX veteran. I was behind payments due to covid ( I was XXXX ) and I had it worked out with XXXX XXXX. My loan was transferred to Carrington and the amount due seemed to have tripled. I currently have a 2.5 interest rate and all Carrington offered is to increase my interest to 7.6! Instead of just putting the past due on the end of the payments. Even the rep I spoke with that works there couldn't believe they are increasing it that high ( which will increase my payments XXXX a month )! I don't know how this is legal. I had until XX/XX/30 to pay the past due of XXXX ( I have screen shots stating that ) which I planned on doing. Two reps I spoke with advised me that I am good until XX/XX/30 and I was so worried they would try something sketchy before then. On XXXX I made a XXXX payment online ( more than half of what I owe )- they posted the payment and then shut off my ability to make online/phone payments. I called today to see why I can't make payments online and was told since I didnt agree to the loan modification I no longer have until XX/XX/30 to make the payment and I can go in foreclosure at anytime. They really do not want people to pay their debt. They would rather take my home. I am XXXX XXXX XXXXXXXX veteran, single mom of XXXX making payments to keep her home and they are doing everything to make it as hard as possible.
05/13/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 22192
Web Servicemember
I was originally with XXXX XXXX throughout the pandemic and was on XXXX orders overseas and had put in for a forbearance. However, XXXX XXXX refused to acknowledge and adhere to an agreement. This was all sent in and report to Credit Bureau. My unit got wind of it and almost had lost my Too XXXX XXXX. My mortgage was directed to Carrington in XX/XX/XXXX and was treated the same without any assistance. Due to this matter I had lost my XXXX XXXX and downgraded to XXXX which i had to pay out of pocket for an attorney ( {$4500.00} ) to fight to keep my XXXX XXXX because Carrington is not adhering to the forbearance ( XXXX XXXX ) that I was advised they could assist me in after losing my clearance as a result of XXXX XXXX and Carrington meaning I had lost my position form XXXX to XXXX. Carrington has sent another report to the credit bureau and is now threatening to take my house if I dont pay the {$9000.00} within 30 days. Not to mention Im on XXXX XXXX orders while my husband has retired from the XXXX w/XXXX percent XXXX ( XXXX yrs served ) and recently losing my Father to XXXX. This is unfair after serving 18 years in the military and still XXXX XXXX to be worried about my clearance being revoked for a situation I couldnt control. *** Tried ATTEMPTING TO MAKE PAYMENT VIA WEB ON XXXX THOUGH NOW AND UNABLE TO. This is unacceptable and horrible the way they treat their customers IM CURRENTLY OVERSEAS AND CARRINGTON HAS NOT BEEN HELPFUL
11/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 06705
Web
I recently contacted Carrington Mortgage and put you on my account so you can get whatever information is needed. Last year I was able to modify my mortgage after contacting you. I made my XXXX trial payments as required. I heard nothing back from the mortgage company. I made several contact attempts and was told I will be getting something in the mail. I never did. Over this past summer I received paperwork to send in information again that I previously submitted to get the modification. Then a notice saying reinstatement, Currently my loan is in foreclosure with the court and I am waiting for a date for mediation. When I spoke to a person at the mortgage company and had you put on my loan, He went through my account notes per my request and seemed confused. He believes something happened with my modification payments and that is why they asked for the information again, that I had already submitted months earlier.. I told him that I had not received any notice or prior information about this. I had also received no information on my calls other than something should come in the mail. I now have to wait for more papers to try for a modification again.I can provide proof of the XXXX payments if needed, I just need to contact my bank. I wanted to file this asap. He doesn't know if the payments or terms will be the same as they may be higher because of the reapplication..My loan may be a XXXX loan instead of conventional loan.
08/01/2022 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 374XX
Web
This is an Accord and Satisfaction Complaint On XX/XX/XXXX, Someone from Carrington Mortgage Services LLC ( CMS ) Contacted me regarding a previous discharged account ( # XXXX ) claiming that I owe a debt in the principal amount of {$79000.00} ; and an amount due on XX/XX/XXXX being {$980.00}. In violation of 15 USC 1692c of the fair debt collection practices act by harassing me regarding this debt. On XXXX, the attached Affidavit of Demand for Verification of Debt ; and Notice Of Cease and Desist addressed to CARRINGTON MORTGAGE SERVICES LLC. Attn : XXXX XXXX Chief Financial Officer ( or Successor ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX & XXXX, XXXX, California XXXX was sent via Notary Certificate of Service and Return Receipt Requested # XXXX XXXX XXXX XXXX XXXX. Tender for this account by way of an negotiable instrument, ( postal money order # XXXX XXXX ) having a postage date of XX/XX/XXXX for full Satisfaction of all claims in accordance with the stipulated conditions set forth in UCC 3-311 has been executed. Which states, " the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of all claims ''. In support of the aforementioned, I submit the hereto attached Affidavit Of Tender of payment acknowledgement and discharge with Exhibits.
02/27/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 33156
Web
I sent QWR to Carrington mortage. I requested the owner of the note and all assingments. To answer the question why in XXXX/XXXX/16 besed on Carrington letter some one would of purchase the Mortage that was over five years knowing that the statute of limitation in florida is five years.THe QWR askes for backup of the escrows for insurance and taxes and provide no cancelled checks or reson for having escrow. The escrow are wrong. XXXX in partucular is for force place insurance of XXXX form the same insuarnce I had insurance with XXXX. My insurace was {$3400.00} and the price of the foce place insurance was XXXX. This is fraud. Why would a bank spend more money on insurance when thay have the old policies with ther renews to renew which are less expensive than force place insurance. The mortgage companies are in business to make a profit. thus spending less makes more money. It is aganst there charter to spend more on insurance and make less money.The amounts onwing are incorrect. No back up in provided. The Note holder has been escrowing {$120.00} a month for no reson for over 5 years. The interest which is variable and change each years is wrong. There is not XXXX consisting document. Please have the Note holder provide the documentaion of ownerership along with the copy the the check he purchese the mortage. Someone came by my house taking picture for potential buyers of my mortgage. Why was I not allowed to purchese my mortgage.
04/08/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 080XX
Web
Carrington Mortgage Services is currently my mortgage provider. I make my payments every month, electronically, directly from my checking account. I 'm always careful to pay my mortgage on time, usually two full weeks early. I refinanced my mortgage with Carrington ( who was already my mortgage provider ) at the end of 2015. My first payment was due XXXX XXXX, which I paid on XXXX XXXX. I made another payment on XXXX XXXX for the due date of XXXX XXXX. This payment was never posted by Carrington Mortgage. I realized their error on XXXX XXXX when I happened to look at my account online, and have had contact with them on several separate occasions to try to rectify this situation. I have submitted proof of payment to them in the form of my bank statement, and my bank has submitted evidence twice in the form of the e-check. Carrington is still refusing to credit my account claiming " If we find it, you 're account will be adjusted. '' I find this completely unacceptable. I have submitted proof of payment. Where their company misplaced it, is really not my concern. As far as I 'm concerned this company has stolen {$2400.00} from me. I feel that I 've taken sufficient action to prove this payment has been made and Carrington has done little to nothing to credit me for this payment. I feel cheated and violated by this company. AND I 'm uncomfortable continuing to make payments to a company that may or may not credit me for the payment!
01/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90806
Web
My mortgage loan was sold to Carrington Mortgage by XXXX XX/XX/XXXX. I was told my first payment to Carrington would be due XX/XX/XXXX. When I finally spoke with Carrington I was told I owed them for XX/XX/XXXX and XX/XX/XXXX. When I tried to make a payment I was told I could n't make a partial payment. XX/XX/XXXX I paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and told my next payment due XX/XX/XXXX. When I called to make the payment I was told I was told I owed for 2 months and could n't make a partial payment. So I contacted Keep Your Home California to apply for the Mortgage Reinstatement Program. I called Carrington to inform them I applied for the program I gave them the Homeowner ID and was told okay. Because of the dates I deposited my checks KYHC said I had a income increase instead of a decrease. KYHC informed me XX/XX/XXXX. I called Carrington XX/XX/XXXX and informed them I wanted to bring my mortgage current I was told I owed a little over {$12000.00} and attorney fees but they could n't give me an amount for the legal fees and asked if I had the full amount I told them yes. I was then told they could n't accept the payment until after they contacted the foreclosure dept. to find out how much the legal fees amount and because it was the holidays they would send me a letter and an email the beginning of the year. On XX/XX/XXXX I received a letter from Carrington stating A Notice Default has been filed on XX/XX/XXXX.
10/15/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 322XX
Web Servicemember
To whomever is concerned. I XXXX XXXX. a 21 year military retiree. I have receive a intent to foreclosure letter on my home. This company is ripping veterans like me across the country off and I say this because if they are doing it to me. They are doing this across the country. My complaint is as follows. I had my home mortgage modified in XXXX of this year. All parties To my understanding I was told all delinquent fees and payments in arrears will be placed on back of the loan and yes I signed the new documents. The problem is Carrington Mortgage Services ( A collection Agency for XXXX XXXX XXXX ) has informed me there are fees associated with the modification AFTER the modification. Which is illegal.They can not do this. If there are any fees this should have been discussed with all parties before the signing. This is a binding contact. I DO NOT KNOW WHAT FEES ARE BEING ASSESSED OR THE AMOUNT OR WHAT THE FEES ARE FOR.I was told these fees may be for legal fees and reinstatement fees. But I have not received any documentation of determined the amount after all parties have signed. I have informed them I will be making the XX/XX/18 payment in the month of XXXX and the XXXX payment. My regular payment is {$1300.00}. I have just receive a Notice of intent to Foreclosure in 35 days .If I do not send them the delinquency they say I owe of {$3400.00} which is attached to this complaint. which includes the late 1 time late payment
05/15/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30064
Web
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services, effective XXXX/XXXX/15. I did not receive notice of this until it was too late to stop the automated XXXX mortgage payment to XXXX. I spoke to Carrington on XXXX when they called to tell me that i was a month behind. I explained that I had paid XXXX, and according to the terms of the loan transfer XXXX was responsible to get those funds over to Carrington. The Carrington rep then told me that they in fact did have XX/XX/XXXX payment, but had not applied it to my loan. She assured me that she would correct it and I would make XX/XX/XXXX payment to Carrington. I set up autopay and XX/XX/XXXX payment was posted by Carrington on XXXX. On XXXX I received registered mail from Carrington advising me that I was in default by 2 months and they had filed an intent to foreclose. When I called Carrington they were unconcerned about the notice and told me to disregard. My understanding of the loan transfer procedure is that they can not make collection attempts, file intent to foreclose, or report derogatory information to a credit bureau for 60 days, yet this company has done XXXX of the XXXX already. Online Scam alert sites are replete with horror stories surrounding Carrington Mortgage Services. Please review for yourself and address ; I have never been late with this Mortgage ( 8 years XXXX and have an excellent credit bureau ( XXXX ), these bullies are breaking the law.
06/01/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 78006
Web Servicemember
Subject : Care Act - Deceptive Forbearance Mortgage Practices by Carrington Mortgage. Carrington Mortgages Services, LLXXXX. are engaging in deceptive forbearance practices. Carrington Mortgages Services XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX United States Approximately 2 months ago I called Carrington Mortgage LLC that presently holds my VA Mortgage Loan to ask for assistance with my mortgage loan due to the financial national turn of events caused by COVID Virus. They agreed to a forbearance relief, and originally told me over the phone that my mortgage payments would be placed at the end of the loan. The original agreement was for only 3 months but they would be there to assist if I required more assistance. Again, I agreed. Most recently, last weekend after I checked my physical mail and I noticed that I had received a letter from Carrington, they illustrated that I was late on my payments. I tried calling them XX/XX/2020, which was the following day but their offices were closed. On the XXXX which was that following day, I finally got in touch with them and I was told the truth about this scam. On this call to Carrington Mortgage, I was told though I was on a forbearance the payments are accumulative and were to be paid in one full lump sum. I have no idea where to turn to, please assist. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VETERAN
07/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95648
Web Servicemember
I was reported to the credit bureaus as 30-days late, but the records I have of cleared checks from my bank shows cleared checks within the 30-day mark. When I talked to the representative today, she said that I have been paying the incorrect amount. However, I have not received notification that my payment amount has changed. What I usually do ( and what I believe most consumers who are busy with work and daily living do ) is looking at my " History '' online to see if there is anything wrong and by the way it appears online ( at least to me who is not a financial/accounting professional ) when I look at it every time, nothing seems to be wrong. The representative I talked to today collected {$150.00} plus a fee to make my account current. ( My life can be ruined by a {$150.00} amount ). When I looked at my checking statements, the checks were cleared by my bank. SO, it is hard to see the change in the payment amount, and I did not receive a clear notification by mail, email or even a phone call. That way, consumers can make sure we don't get reported to the credit bureaus which could be devastating for some of us especially for someone like me who is recovering from the recession and has worked long and hard to bring all my accounts current, and be reported for not informed of changes to my mortgage payments ( though, they keep sending computer-generated letters convincing me to either buy a new house or refinance ).
10/30/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 08759
Web
My mortgage lender, Carrington Mortgage Services ( CMS ), has improperly reported to credit reporting agencies that my account is in forbearance, which is absolutely false. I have made every payment in full, and on time, and I have never requested a forbearance. The forbearance prevents me from refinancing my mortgage with another lender. When I informed CMS, they stated that this was an error, and they would correct it, but they refused to provide me with any documentation stating this was reported in error to the credit bureaus. They stated it would take at least 30 days for something in writing to be provided to me, thus preventing me from refinancing my home and saving approx $ 300-400/month. Additionally, CMS customer service informed me that there were many other customers with the same problem. It then occurs to me that this is a financial tactic by CMS to prevent customers from refinancing their homes. In my case, I purchased a very underpriced home, with CMS as my lender, with a no closing cost product. Now 6 months later, Federal lending guidelines permit me to refinance, and it is very advantageous for me to do so. I would eliminate PMI, and interest rates are easily 1.5 % lower now, than my initial rate. CMS would lose money on this deal, and it is my assertion, that they are deliberately reporting false information to the credit agencies in order to prevent me from refinancing, so they will not lose money.
12/19/2022 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • TX
  • 75115
Web Servicemember
Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX Banks ( Last 4 SSN XXXX ) Mortgage Company : Carrington Mortgage Account number : XXXX Property address : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX My Father, XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and willed us the personal property at the address listed above. We recently sold this property and completed closing on Tues., XXXX In the midst of closing on the sale of the property, Carrington sent a payoff quote for {$170000.00}. The title company then forwarded to Carrington a wire transfer matching the payoff quote. Unfortunately, Carrington neglected to include the property taxes they paid on XX/XX/XXXX in the amount of {$5600.00}. As a result, Carrington rejected the wire transfer stating it was short by {$5600.00}. XXXX XXXX has consistently tried to rectify this matter by receiving an updated payoff quote. It has not been received. I called Carrington today to see what I could do to expedite the payoff quote, and because the process usually takes 3-5 business days, we will be charged additional funds- though we closed on the sale of the house on XXXX Issue : Carrington continues to add fees to our balance, while they also have neglected to provide a payoff quote including the total balance owed. Issue : Because Carrington rejected the payoff from XXXX XXXX, we were charged {$50.00} in wire transfer decline fees by XXXX XXXX.
12/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33147
Web
Hello, This is concerning my mortgage with Carrington Mortgage Services , LLC . I was awarded 18 months of payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They are paying a total of {$810.00}. I was informed that my mortgage payment will increase to {$1100.00} with a start date of XX/XX/2023. I have called the mortgage company on multiple occasions asking what this will mean for my forward payments from the HAF program, I have been given the run-around every time and no customer service representative knows what will happen going forward. The XXXX program will continue to pay the {$810.00} ; they have informed me that the amount can not increase because my mortgage payment is increasing. I need to know exactly what will happen each time a payment from XXXX is sent to Carrington Mortgage company as I do not want my payments to be returned. Will the {$810.00} be placed in a separate suspense account until another payment is made to complete the full payment of {$1100.00}. I really need to know what will happen going forward and each time a call is made to Carrington Mortgage the representatives give me a different answer each time. Please clarify what will happen to the payments from XXXX, will they be placed in a suspense account until another payment is made to complete the total of {$1100.00} Or will the payment be returned to XXXX due to it being a 'partial payment ' Please clarify, thank you
06/18/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 630XX
Web
Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer XXXX ( XXXXXXXX XXXX ). This is sent by check every month. Mortgage was transferred to new servicer ( Carrington Mortgage ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. I provided bank statements to Carrington Mortgage showing money was drawn from account from XXXX ( guild mortgage ). 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. Now Carrington is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. Carrington, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet. This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. Neither Company wants to be held responsible for this seemingly missing money. ~ {$400.00} dollars. Carrington says I need to call XXXX. XXXX says I need to call Carrington, I'm getting the runaround. Now threatening to report to my credit.
11/28/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • TX
  • 76262
Web Servicemember
My name is XXXX XXXX XXXX, I live at XXXX XXXX XXXX XXXX in XXXX Texas, XXXX. Your company recently purchased my loan from XXXX ( Loan number XXXX ). I just got my first statement from you and there are a couple issues with it. So I called to get it straightened out with no success. So you are getting this email. I called at XXXX central time and spoke with a woman named XXXX I believe. I explained that my loan was an Equity line of credit and not a full loan and my statement had an Escrow payment. We pay the taxes our self on the house every year and pay the insurance ourselves monthly so there is nothing about our loan that qualifies as an Escrow item. The Escrow balance is - {$170.00}. I was told there was not answer for what this was and I just had to pay it. This is unacceptable Illegal and I will not stand for it. Secondly there is a {$31.00} fee on my statement, when I asked about this fee, I was told its a property inspection fee. No inspection has been done. Now one from your company or no one saying they represent you have come onto my property to ask to inspect the property. If this inspection was down I DEMAND to see it and the photographs that were taken. I want to know who gave them permission to access to my property. If no inspection has taken place then why am I being charged? If an inspection took place without my knowledge or consent that is trespassing and in Texas is not a very smart thing to do.
09/08/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60477
Web Older American
Approximately one month ago I received a letter from the mortgage company ( Carrington Mortgages Services ) stating that a disaster had been declared in our area and we would be eligible for forbearance if needed. I ignored the letter as we know of no disaster and are not in need of any assistance. XXXX I received a letter from them stating that they received a request from me to voluntarily cancel our forbearance plan and that as of the date of the letter my loan is no longer in forbearance. This statement implies that they put it in forbearance at some time! I called the company XXXX ( XX/XX/23 at XXXXXXXX XXXX XXXXXXXX - spoke to XXXX XXXX and told them at no time did we request assistance or any kind of plan and that I wanted a letter from them stating that my loan has never been in forbearance and that they did not report any such info to any credit bureau. They stated that they called me last month and that I said that we didn't need any assistance. I do not recall that phone call at all. However, even if I did receive the call and told them no assistance was needed, I am still angry at the implication that my loan was in forbearance at some point and I want something in writing from them saying that it was not. They refused, saying that that was the only letter they could send me. I also want in writing from them that they did not report any forbearance activity to any credit bureau. That is my main concern.
11/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 22032
Web Older American
I filed in 2013 for a modification of my mortgage loan with XXXX XXXX XXXX XXXX XXXX. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from XXXX of XXXX branches. Thus, I sought help from XXXX Holder and now XXXX, CFPB and XXXX XXXX XXXX XXXX. The most recent was information showing on the deed that this loan is invalid. I sent a complaint also on XXXX XXXX XXXX union. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. XXXX knowingly deceived me by continuing to send letters stating they needed more time to research the matter. They then sold my loan to Carrington Mortgage Service, Llc. I notified Carrington of the dispute and supplied them with the deed and copy of the certified Lien release. In working with XXXX XXXX, they are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against XXXX XXXX XXXX for not releasing and invalid loan and making a sale to Carrington while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them XXXX XXXX XXXX XXXX, which is wire fraud and Carrington for going forth after I notified them. Also now that Carrington own the invalid loan, not giving me the lien release I requested. See case numbers Cfpb XXXX XXXX
01/24/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NV
  • 89147
Web
I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney faxed in my application and a third party authorization to Carrington Mortgage on XX/XX/XXXX. My attorney has been calling Carrington since then and they claim they still do not have the third party authorization uploaded into their system. They confirmed they had the application but they are purposely evading allowing my attorney to speak with them and thereby evading review of my application. As of today XX/XX/XXXX they still have not recognized my attorney 's third party authorization. They then tried to call me today on my cell phone asking for me to speak with them. I told them my attorney faxed you an authorization over a month ago and Carrington has purposely avoided recognizing that authorization. They tried to tell me they are missing paperwork and I told them I have an attorney and my attorney is the one who is handling all of this for me. Carrington is obviously trying to block my attorney from being able to help me. They evade review. Avoid conversations with my attorney by falsely stating they ca n't see the attorney 's authorization, however they can see my financials and application which was sent the same day with my application. My attorney says this is against RESPA Regulation X. Carrington is not allowed to evade review and they are now over the 30 day limit allowed to completely review my file.
02/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ME
  • 045XX
Web Older American
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Service. When I was ready to pay my monthly payment, Carrington sated that my loan was " not yet in the system '' and I would receive " a welcome packet ''. I never received a welcome packet and my first correspondence with Carrington was a delinquency notice for the two months in which they were unable to accept a payment, plus a third. I made payments but got behind when I was in the hospital and lost work, the house froze and then flooded when thawed in this bitter Maine winter. I received a Notice to Cure but Carrington won't apply funds they have and won't accept any payments. Clearly, from the beginning, Carrington intended to take my house and the equity I built up over the past fifteen years. When the loan was sold, there were no late or missed payments to XXXX XXXX XXXX. Carrington engaged in unfair business practices intended to set up the homeowner, me, to fail. The house is on the market for sale and Carrington will be paid in full, but I do not want it to go to foreclosure and lose all my equity.I 'm selling because I will be moving for work, but I don't want anyone to have to deal with Carrington Mortgage. I want to get caught up but they will not accept a partial payment or a principal payment and interest separately, or apply payments already submitted. this is unfair, cruel, and does not let people get caught up ; and, they set it up that way.
10/14/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 91775
Web Servicemember
Am asking for help with my mortgage lender to modify our mortgage loan and offer me a trial payment an affordable plan by decreasing the over inflated loan balance which I didn't cause nor had fault doing. Am a veteran, XXXX war and this is a VA loan too, before pandemic it was with XXXX now its Carrington and they are terrible and rude and telling us we dont qualify for anything but liquidation and denied again for the 4th times ( see attached denial dates XX/XX/2022 stating we didnt make enough money when we actually do qualify but denied me again saying lender has no options and they are not obligated to offer us modification they keep contradicting their statements they even filed notice of trustee sale XXXX this year while we was in modification process and had a sale date on our home for XX/XX/XXXX at first then they now change it to XX/XX/2022. They denied me all the time regardless of what I given them which is everything they needed on time they want me to call them to tell them if we agree to liquidate our home, the only option they offered me all of them times ( see attached ) They said all options are denied no option what's so ever. The servicer is Carrington mortgage, and the beneficiary is XXXX XXXX XXXX XXXX XXXX XXXX foreign entity by XXXX XXXX which I dont understand how is the VA allowing them to be the deed holder? We want to keep our home we want to stay in it so please help me and my family
07/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30144
Web Servicemember
RE : Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX and wired funds in full to Carrington Mortgage and paid off the loan in full. XXXX credit reporting company has not updated this account and is still reflecting an open account with very large balance. I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. I phoned XXXX and was told to contact Carrington Mortgage to have them contact XXXX directly to correct. Carrington Mortgage is saying they reported the correction on XX/XX/XXXX to XXXX, but can not provide me with any documentation. XXXX is saying they can not locate any such correction reporting and can not fix without this. I am getting the runaround by both Carrington Mortgage and XXXX and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law FDCA, this needs to be corrected. Please direct me to the person that can handle this error immediately and have the XXXX credit report updated so I can proceed with my closing.
05/25/2022 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • DE
  • 199XX
Web Older American, Servicemember
XXXX XXXX ON XX/XX/2022 WE APPLIED FOR A REFINANCE MORTGAGE WITH XXXX DOLLARS CASH OUT FROM CARRINGTON MORTGAGE XXXX XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX XXXX OUR LOAN REPRESENTIVE WAS XXXX XXXX HIS PHONE NUMBER IS XXXX EMAIL XXXX XXXX XXXX WAS THE SENIOR LOAN PROCESSOR HER NUMBER IS XXXX EMAIL XXXX THESE ARE THE TWO INDIVIDUALS THAT HANDLED THE MORTGAGE REFINANCE. WE SUBMITTED ALL PAPERWORK AND OUTSTANDING CONDITIONS. OUR CLOSING WAS ON XXXX XXXX AT OUR HOME WITH XXXX XXXX XXXX XXXX WITH ASSOCIATE ATTORNEY XXXX XXXX XXXX EMAIL XXXX WHO THEY SUGGESTED AND WE ACCEPTED.ON XXXX XXXX WE RECEIVED A CHECK FOR XXXX WHICH WE WERE TOLD WAS OVER PAYMENT OF CLOSING COST. ALSO A CHECK FOR XXXX TO XXXX XXXX XXXX TO CLOSE AN ACCOUNT AND XXXX XXXX XXXX TO CLOSE AN ACCOUNT.WE WERE VERY SHOCKED AND SURPRISED BECAUSE WE NEVER DISCUSSED CLOSING ACCOUNTS WE ASKED FOR CASH OUT REFINANCE. ON XXXX XXXX WE CALLED XXXX XXXX AND HE STATED THE CHECK SHOULD HAVE BEEN DEPOSITED.THERE ARE OTHER ISSUES HERE THE BOTTOM LINE IS WE ASKED FOR AND IT WAS AGREED TO RECEIVE XXXX CASH OUT WITH OUR REFINANCE. WE ARE STILL WAITING FOR THIS MONEY AS OF TODAY. WE HAVE AN EMAIL TIME LINE OF ALL THE CONVERSATIONS WE HAD WITH THE MORTGAGE COMPANY. WE AGREED THAT CARRINGTON REFINANCE DEPARTMENT WAS VERY UNPROFESSIONAL. A DEPARTMENT HEAD WAS SUPPOSE TO CALL US BUT NEVER DID. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE.XXXX XXXX HOME
01/04/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 145XX
Web
My mortgage was originall with XXXX bank and then was sold to Carrington Mortgage. My first payment with Carrigton was XXXX/XXXX/2015. I mailed a check to get there by the first without realizing that my autopay that I had with XXXX was going to be carried over to Carrington. Even thogh my payment for XXXX was made they still drafted my checking account in XXXX. When I called to resolve the issue the automated system stated that my next payment was due on XXXX/XXXX/2015 ( recognizing that a double payment was made ) However when I spoke to a representative they told me that they could not see that an extra payment was made and wanted me to fax proof from my bank. I did this several times and each time I called back they said they never received my fax. When I finally went to my bank to place a stop payment on XXXX payment so that I could gt back on track Carrington changed the amount of my payment slightly so that stop payment did not work. Today I called Carrington to simply cancel autopay with them so that I could skip a payment since I was ahead anyway and was told that autopay could not be cancelled unless I fax them a letter stating to do so. I fear that they will continue to say they dont receive my faxes and I will be out almost {$1000.00}. It seems like they are intentionally giving me the run around. They refuse to reapply the extra payment to principal or refund the money. I dont know what else to do.
01/03/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • TX
  • 75007
Web Older American
I have been with Carrington Mortgage for quite some time and I always paid online via XXXX XXXX ( that is the only way to pay ). In XXXX of 2015 I made the payment and it did not go through and I found out via USPS which took about 5 days. I attempted to call and I held for over 50 minutes, and tried again on XXXX separate occasions to no avail. They do not have e-mail so I immediately got a check out in the mail for this was the only way I could make a payment and in it I wrote a letter to let them know that they were having difficulties with XXXX XXXX and this was an honest mistake. In XXXX of 2015, I again attempted to make a payment via XXXX XXXX followed with another phone call 2 days later and was told it went across ( never was there an error from XXXX XXXX transaction ). I now have a blemish on my credit score after sending them XXXX letters ( there is no other way to contact them ). I am attempting to get another loan with another company with a lower interest rate that is accessible. With this issue on my report I can not go foreword and am having great difficulty talking to them!!! Please help me with this frustrating situation for I have been dealing with this for months!!! This was not my fault, I am a widower, XXXX that works full time and am diligent on paying my bills. I need to get this off my report to get a lower interest rate so I can start planning on my retirement. Kind Regards, XXXX XXXX
06/01/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76040
Web
My 2nd lien mortgage is very delinquent due to a BK and payments not being paid to the creditor during the BK. I have tried everything in my power to work with this company. As I am now able to make the payments and keep the loan current. I sent a check for XXXX payment {$19000.00}. The check was not cashed or returned. This would cover all the PITI. leaving only fees and forced placed flood insurance ( my hone is not in a flood zone I paid the {$500.00} to have a the home re-survey and the letter needed for XXXX to remove it ) Not sure why the 2nd forced placed insurance and my first lien did not. I attempted to call and e-mail their advocacy group and was told they can not talk to me due to a cease and desist order. I exampled that was put in place due to the BK and that only means they can not contact me but if I 'm seeking out help they can talk to me. The rep refused to give me any additional information as to where my {$19000.00} went and why it was not accepted. The loan has not been breached and is not in XXXX they send me a monthly statement. They have no right to refuse payment. They have in no way issued a demand letter demanding payment in full. I tried to send them the full XXXX payments I am behind in XXXX payment and like I said above not sure what happened the check has not been cashed or returned and they wont talk to me. The chpt XXXX BK was completed XXXX 2015 all payments were paid on time.
04/18/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37379
Web
I called in to make a PRINCIPAL only payment to get my loan balance under a certain dollar amount so that I can be approved for a HELOC. I verified 3 times with the person on the phone that the payment is for principal only, and that conversation was recorded. I check my statement and I see that {$320.00} was escrowed and should not have been. My payments have all been on time, and my escrow is on a schedule as well. I made this PRINCIPAL only payment on XXXX and I reiterated the fact that I will be calling again to make my scheduled payment, that this payment has nothing to do with my scheduled payment in any way and it is for principal only. I have been in contact with supervisors who assure me they are working hard to correct their mistake, that they are just busy. They have been 'busy ' for almost a full month now and this has caused a number of issues with my financial planning not to mention the extra interest on this account charged as well as the other 3rd party accounts I planned on paying off with my HELOC. The approval to fix the mistake was issued on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 and I am still waiting. I have made multiple attempts since then asking about when the was going to be corrected each response has been they are busy in the department that handles it. Even if this is fixed at this point, the damage has been done and there does not appear to be anything that I can do about it.
04/06/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 182XX
Web
XXXX sold my mortgage of nearly a decade to Carrington Mortgage Services , LLC on XX/XX/XXXX. My mortgage payment stayed the same until I received an Escrow Analysis stating my shortage is {$1400.00} and increased my monthly mortgage payment by {$94.00} per month for a CUSHION! In review of this analysis and verification of Taxes and Insurance on the property, there is only a temporary deficit of less than {$150.00} during the month of XXXX every year. Distraught, I called XXXX and asked for their assistance. They informed me I could request the CUSHION to be removed and a reevaluation of the escrow be performed. I called and requested this at least 12 times in one conversation, being transferred higher up in the chain until I was connected to patronizing XXXX, who stated, for the 12th time, that this could not be removed because of my FHA loan and RESPA guidelines. I stated there is no way a loan in place for nearly a decade suddenly goes up that much. He said feel free to file a complaint and that would do nothing to help me and the CUSHION would remain. ALSO, on this same day, XX/XX/XXXX, I received a harassing phone call from Carrington Mortgage demanding my mortgage payment!!! I stated I have NEVER paid my mortgage late and that I had until XX/XX/XXXX to do so! Belligerent XXXX stated it is due NOW and how would I like to pay? I hung up on her. WHAT KIND OF SHADY OPERATION IS THIS???? Please HELP.
09/09/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 49024
Web Older American
Carrington Mortgage Service, LLC is the servicer of my mortgage loan ( Loan No. : XXXX ; FHA Case No. : XXXX ). XXXX mishandled thirty-seven ( 37 ) partial prepayments on my mortgage loan made between XX/XX/XXXX and XX/XX/XXXX, all of which were made in an amount equivalent to, or exceeding, the amount of the regular monthly mortgage payment then due and were received by Carrington on or before the due date for each monthly mortgage payment ( the first of each month ). The limited payment history available through the customer account portal on Carringtons website, which only covers the period XX/XX/XXXX XX/XX/XXXX, appears to show that Carrington treated at least thirteen ( 13 ) of the thirty-seven ( 37 ) partial prepayments as advance payments on future mortgage payments rather than applying them to pay down the outstanding principal on the Note, as required by HUD/FHA regulations and policy, Paragraph 5 of the Note, and Carringtons own policy as stated on its Monthly Mortgage Statements. The remedy for this error in the treatment of my partial prepayments should be to put me in the same position I would be in had Carrington fulfilled its obligation to apply my partial prepayments to the principal balance on the loan and reduce future regular monthly mortgage payments. I have called and written to Carrington in an effort to resolve this problems, but Carrington has failed or refused to address my claim.
09/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • XXXXX
Web
I am having this problem with Carrington Mortgage Services LLC, for the last few months.Carrington Mortgage Services, LLC has opened a fraudulent mortgage loan account under my identity information on the XX/XX/XXXX of XX/XX/XXXX with a mortgage loan account number of XXXX. During that time, I had to business relation with Carrington, under which Carringtoncan issue such loan. The opening of the loan account was not disclosed by the company to me or to the Credit Reporting Agency for a period of 6 years until XXXX. When I discovered the issue first, I filed an identity theft report with the FTC on the XX/XX/XXXX. As a result, Carrington Mortgage Services , LLC closed the fraudulent mortgage loan account. Carrington as of today, has not provided any proof that could establish the legal validity of their opening the mortgage loan account. However, ever since the month of XX/XX/XXXX, Carrington Mortgage Services has opened and closed the account multiple times for no reason. Under FCRA, the creditor of any loan account is responsible to remove a loan unless and until they are able to furnish any evidence, record or proof in support of a loan agreement executed with a consumer. Carrington 's act of opening and closing the loan account is in continuous violation of FCRA and Texas Deceptive Trade Practice Act. Since Carrington is a third party mortgage servicer, such act of Carrington also violates FDCPA.
02/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32822
Web
Carrington Mortgage Services Tried to harass and force to pay so much out of me that I'm a senior citizen. I cant afford to pay or pay through a job because I've been retired since XX/XX/XXXX! They jump or raise the payments for a long time. I have stopped making the payments through one of your suggested representatives since XXXX of last year. Here are the dates, amounts, and actions I've taken since my retirement. CURRENT LOAN TERMAS Interest Rate : 3.12500 P & I Payment : {$540.00} Escrow Payment : {$200.00} Total Monthly Payment : {$750.00} Principle Balance : {$140000.00} **Prior Deferred Balance : {$64000.00} Total Principal Balance : {$200000.00} MODIFIED LOAN TERMS Interest Rate : 4.62500 P & I Payment : {$670.00} *Escrow Payment : {$170.00} Total Monthly Payment : {$850.00} 1st Monthly Payment Due Date : XX/XX/XXXX Unpaid Amounts : {$3200.00} Modified Balance : {$140000.00} New Deferred Principal Balance : {$0.00} Total Deferred Principal Balance : {$64000.00} New Principal Balance : {$210000.00} Balloon Payment : {$170000.00} I have stopped payments since XXXX and received my first NOTICE OF INTENT TO FORCLOSURE letter on XX/XX/XXXX. I have to pay the new amount of {$3300.00} within 35 of this letter, otherwise I'll be scoundrelly held for eviction. I've even asked my neighbor for help, which, bless her heart never knew, she would be willing to do it, but I refused to accept it since XXXX.
05/23/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web
Dear CFPB- I have been informed by HUD/FHA directly that I am eligible for a Unemployment Special Forebearance due to Hurricane Harvey and living in a Presidentially Declared Mandated Disaster Area. The agent, XXXX XXXX XXXX Escalation 's Team from HUD has reached out on two occasions to CMS on or about XX/XX/XXXX and XX/XX/XXXX to no avail. As of this letter and speaking with her just yesterday ( XX/XX/XXXX ) C.M.S. has not responded via any type of communication to HUD 's query. My RMA application was marked complete by CMS on XX/XX/XXXX and summarily rejected on or about XX/XX/XXXX albeit CMS should be fully aware that per FHA/HUD guidelines I am eligible for this Special Forebearance for a multitude of reasons under HUD 's XXXX XXXX and afforded even additional help per HUD Press Release below : PressRelese Releasehttps : //www.hud.gov/XXXX Also, at this point per FHA/HUD guidelines I am supposed to have a Single Point of Contact to be speaking with to discuss remedies and all available options to save my home .... '' This has not occurred ''. I have also filed an appeal with CMS which I am entitled to and heard nothing back on that as of yet. But what is most disturbing is they will not respond to FHA/HUD 's query after two ( 2 ) request with CMS knowing knowing full well that time is of the essence and each day counts, literally at this stage. Very truly yours, XXXX XXXX Loan No XXXX
05/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33579
Web
I have a mortgage with Carrington Mortgage, during XXXX, when the CARES Act came about, I received a forbearance like so many others. I was told that before the end of the forbearance someone would reach out to me and go over the different options available to me regarding going back into payment status but most likely I would be able to get a loan modification and have lower payments. However, that is not what happened, no one reached out to me and no one went over the different options available to me. There was a $ XXXX payment made in XX/XX/2022 that was returned, that they would not accept, because it was not the full amount that was due although I was advised to make any payment I could if possible. I then went into repayment status XX/XX/2022, and all the funds were due in XXXX and by XXXX I was served with foreclosure papers. After calling, I was advised the only option I had was to do a quick sale of my home or the home will be foreclosed on. I was never offered any lower payments and during the forbearance period, the credit bureaus received late payment notices and it was reported that my home was in a preforeclosure status. I was able to receive assistance from the Homeowner Assistance Fund ( HAF ) which caught me up on my payments, but late payments that should not have been applied were and have been paid. I still have not been offered lower payment or any assistance from Carrington.
03/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 92345
Web
In XX/XX/ XXXX about a year ago to be exact I made an extra payment to my mortgage company to cover two months in advanced. A payment of {$3900.00} was made to my mortgage to cover 2 months but instead one payment was applied to the current month and the other to the principal although I never made a note that the extra payment was to be sent to the principal. When I caught the mistake the mortgate company made it was already too late and I was behind one payment because of their mistake. I called several times to speak to a representative and when I was able to speak to someone they said they would correct the payment that was supposed to cover my two months of rent/mortgage. As time went by no one ever applied the extra payment made to my rent/mortgage bill instead it was sent to the principal even though I did not make a note to send the extra payment to the principal. A year later now we are behind on our mortgage because of a mistake that took place over a year ago and no one ever corrected it. I had to apply for a forberance just to stay away from late fees as my family struggle to make end meets. If my payment would have been applied properly since day 1 I would have never face any financial hardship that has now caused emotional and financial distress. I never got the help I deserve at that time and now I'm just facing financial hardship trying to get up to date with my mortgage payments.
09/06/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34772
Web
We had a leak in our kitchen and after 7 months of dealing with the insurance company and being hospitalized due to the stress from dealing with the situation we were able to make a settlement with the insurance company. We received s check for XXXX from the insurance, which we signed the check over to Carrington Mortgage, they then without a problem sent the check back to us. We then received a check for XXXX and another XXXX for XXXX. At that point they decided to make up a policy, which they never had prior to this situation, to hold on to the checks and said that if we were to receive the additional checks, we would have to send them estimates, proof of work being done and that their inspector would have to determine whether a certain percentage of the money could be released. Well we sent all the necessary documents to their " loss and draft department ''. Unfortunately every time that we try and contact them they can neither find the paper work, they put me on hold for 30 minutes to an hour, no one seems to know anything, or they find any and all excuses to not release the checks. The work is being done all we need is the money to finish the kitchen and pay the contractors. They are not entitled to these checks. We have already spent XXXX paying for the cabinets, we also paid for a new dishwasher, a new sink, several things that were necessary that the insurance company did not want to pay,
11/03/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85029
Web
The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process. So I set up a promise to pay on XX/XX/19, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a few payments it was. So with their actions another payment needed to be made due to another error in the refi process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.
10/01/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78840
Web
I applied for a loan modification with XXXX XXXX XXXX during the summer. Well eventually I find out that my bank intended to sell my mortgage. The account number for XXXX XXXX XXXX is XXXX. I tried to find the proof of this since I had put the paperwork online in the upload section. Found out that I can not access this. Awful convenient for them. My account was transferred to Carrington Mortgage Services LLC. The account number for this account is XXXX. I on numerous occasions let them know I was behind and wanted to apply for a loan modification. Well finally I was sent an application. I filled it out at the beginning of this month and uploaded all the documentation they required. That was on XXXX XXXX of this year. On the seventh they indicated it was incomplete. So I uploaded the rest of the documentation on XXXX XXXX. The website shows that no one has looked at anything since XXXX XXXX. I called on Friday and they just brushed me aside. Why is there no one looking at my application. So on Friday I get a letter saying Carrington plans on foreclosing. I know that I am behind but is this not dual tracking? I have not even had anyone tell me what is missing or anyone even look at anything since XXXX XXXX. How can they make a decision if they do not even look at my application? So now I am going to lose my house because someone is not doing their job. This seems unfair. I need help with this.
04/04/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98037
Web
In XX/XX/XXXX, my attorney submitted all required documents to Carrington Mortgage for their review for a Short Sale. Carrington set the file up on Equator for processing. In XXXX, they demanded that a junior lienholder supply a payoff statement In 7 days, and it took us 8 days to get the document, so they reset the file. We submitted the file again, and they negotiated with us to submission for approval. While waiting for investor approval, we were informed that they had forgotten to put the file through a " waterfall '' process, and had to start over, in XX/XX/XXXX. After weeks of calling and getting unclear or contradicting answers, all documents were confirmed received in XXXX and we were told to wait 30 days, until the " waterfall '' was complete. On XX/XX/XXXX, we were told the " waterfall '' was complete, and that we could proceed with a short sale, but that the foreclosure sale date was 10 days away, and they would push that out to XX/XX/XXXX Today, they said that participating in the short sale was no longer " in their best interest '' and that they would let the property go to foreclosure on Friday, XX/XX/XXXX. Attached, however, is the Conditional Approval Letter they sent in XXXX, when they had first completed the waterfall process. They lied to us, strung us along, and dropped the file just close enough to the foreclosure date that we could not restart. This is a systemic issue.
02/18/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 20175
Web
I have paid my mortgage to Carrington Mortgage company between the XXXX, every month for the past 7-8 months. I have a history of paying on time, never late. My XXXX payment was no different and paid via electronic bill payer from my XXXX account on the XXXX. Any payment received after the XXXX of the month is considered late. In XXXX, I received a past due notice and late fee from Carrington. I immediately called and faxed proof of payment to Carrington from XXXX bank and followed up with a call. Today, I received another past due note and late charge from Carrington. I immediately called and spoke with a representative. I asked to speak with a supervisor when she said my letter and proof of payment was not adequate to request the late fee be removed, it 's their policy, she said. She asked for copies of my banking statements. I stated that they have adequate documentation that the mortgage was paid by me, before the XXXX by my financial institution. I informed the representative that I have already been preapproved to transfer my mortgage to XXXX because of the awful customer service. My loan was originally with XXXX until Carrington purchased it. I have had nothing but problems since the bought the loan. This organization operates like a preditary collection agency, not a mortgage company. Their voice recording in calling informs callers they are a debt collection agency ( mini marinda ).
02/07/2019 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • DC
  • 200XX
Web Servicemember
I own a home in XXXX where I am originally from. The market for properties over {$400000.00} is very bad there. I lost my old job and found a job two hours away in XXXX, DC. We tried to rent or sell the property for months, listed at mortgage balance price, and received no offers. I reached out to the mortgage company, Carrington Mortgage, who explained that I was approved to do a deed in lieu of foreclosure or short sale because I had to take a job in XXXX, DC and move from where the home is in XXXX. I start a new job on XX/XX/2019 and will make half what I made before. XXXX said that they, and the VA, approved the mortgage for both a DILF and a Short Sale. They spoke to my agent and had him change the listing to be an approved short sale, which he did. They then reversed course a month later and said that the request was denied. They are making me reapply for a short sale again to supply the new income information. I feel this is inappropriate activity and am trying to work with Carrington but they are acting in bad faith. The negotiator told me that his manager told him that they are revoking the approval to do a short sale after five weeks of listing. We have repeat tours from a possible buyer and the mortgage company is playing games. The mortgage loan is # XXXX at Carrington Mortgage Company for a property we have vacated at XXXX XXXX XXXX XXXX, XXXX, PA XXXX.. XXXX XXXX. XXXX XXXX
08/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 342XX
Web Older American, Servicemember
We were given a loan modification in XXXX of XXXX. It is a two part loan modification. # 1 is a interest and principal amount which has a maturity date due in XXXX. THIS AMOUNT CURRENTLY is estimated about {$260000.00}. # 2 is a deferred amount due ater the # 1 is paid. This is estimated at {$240000.00}. At the time the deferred amount is due I will be XXXX years old. We were initially given the loan modification because I suffered a massive XXXX in XXXX an became XXXX and into forced retirement. Our income became significantly reduced there fore the modification. I jhave repeatedly contact Carrington mortgage who services the loan with questions about the deffered amount. i.e who the investor is on defferred amount, is any of the deffered amount forgiven under the original modification, etc. As of this complaint I have not received any answers to any questions. I have contact Carrington no less then a dozen times to try to get answers to no avail. When I had my XXXX I had no health insurance. I was responsible for all medical bills. Our credit to say the least has been destroyed. We are current on mortgage and have reached to Carrington for assistance as well as answers to questions. There are also questions with regard to # 1 part of modification. The only reason we ssigned the modification was to stay in house. Any help to receive answers, resolution etc. Would be greatly appreciated.
12/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30013
Web
I was given the option to put my loan in forbearance by Carrington Mortgage for the months of XXXX and XXXX. I took this option based upon added expenses. I was not asked to provide any paperwork to be eligible. when the forbearance plan ended I began to make my regular payments ( still making those payments ) despite the covid related expenses being present. I requested that the two months of payments be added to the end of loan. I was told that I only qualified for a repayment plan ( almost double my current plan ) based upon my income. I was told that I would be considered for the HAMP streamline refinance so that my payments could be placed at the end of the loan. Even though I have submitted the RMA paperwork twice, they are only considering me for a repayment plan ( twice ) despite me letting them know that I can not afford the offered month repayments. They now hang up on me, or are not being helpful at all during this process. They are trying to me me start the process over again. I admit that I might not have captured all of my " expenses '' on the RMA, but I can not afford the 4 month repayment because of my added expenses. Instead of them working with me to resave this, they continue to tell me to resubmit XXXX a 3rd ) RMA for consideration. This is very frustrating, and it seems as if they are not trying to assist me as a first time homeowner and borrower. please help ...
11/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 34786
Web
Case # XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I filed my first complaint on XXXX XXXX, 2016 Response was received with letter dated XXXX XXXX, 2016 What happened from then? In XXXX XXXX, 2016 we had a 6 hour mediation at ours attorney 's office in XXXX XXXX, Florida. After a long negotiation of the key terms of Carrington 's last Trial Modification Agreement dated XXXX/XXXX/16, we concluded with little progress. Carrington 's attorney recommended that we contact their internal office FMR to seek some assistance and direction. Advise that our attorney followed with a few telephone conversations. A few weeks ago, Carrington 's attorney contacted us with the question, - " Are you in a position to come up with a Good Faith PAyment of {$120000.00}? '' We viewed this communication as a positive and agreed to it. A few days ago we received their latest offer for a Trial Modification Agreement dated XXXX/XXXX/16. With a sense of disbelieve we notice that the new offer had the following changes from the terms negotiated so hard during the face to face mediation : - The XXXX trial monthly payments went up from {$8700.00} to {$9400.00} - The Principal Balance went up from {>= $1,000,000} to {>= $1,000,000} Yes, the Good Faith Payment was {$120000.00} as per recent emails. Incredibly insulting with total lack of respect following a sincere and honest mediation.
11/07/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • FL
  • 34293
Web
XX/XX/ applied for disaster assistance forebearance and was approved for damages to my home for XXXX XXXX. Was approved via telephone. was told I would not have to make any mortgage payments for 3 months in forebearance. XXXX XXXX XXXX received notice of breach of contract, wrote a letter requesting documentation on the disaster assistance program. They stated it was cancelled without notification. XXXX XXXX XXXX applied the XXXX and XXXX payments via telephone. XXXX received notice of being late on payments, spoke to customer service, was advised of money being suspense and not being applied to payments. Refusing to reverse any fees associated with account, spoke to supervisor XXXX. Still unresolved. This is predatory lending and is a bait and switch by Carrington products to place homeowners in a foreclosure. QUALIFICATION FOR ASSISTANCE Carrington customers who have been forced to evacuate their personal residence, or whose homes have been damaged or destroyed as a result of a federally-declared, major natural disaster, can contact us at XXXX, Monday Friday, XXXX XXXX XXXX XXXX to determine if they qualify for any of the following payment relief and other customer accommodations : Waiver of assessments of penalties or late fees Payment deferments Forbearance or repayment plans Suspension of credit reporting to reporting agencies while on a forbearance or repayment plan
09/22/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 983XX
Web
We received a payoff that had an amount good through XXXX XXXX, 2016. The full amount of funds were wired to Carrington Mortgage CA XXXX. Their company did n't upload the correct amount of funds-they uploaded a smaller amount and rejected the payoff. When title and I called they could n't give us an amount and kept saying it was in foreclosure. I was referred to a lady XXXX, their attorney, who stated it was not in foreclosure and no additional fees had been assessed. Carrington Mortgage has added an additional {$800.00} in fees they ca n't explain to me what they are for. They will not release the house or take the funds unless we pay this amout. The home was never filed to be in foreclosure. They are also now charging us additional days that they returned the money for but they never even uploaded the correct amount on XXXX XXXX. Today is now the XXXX and they are still charging us because they wo n't accept the funds. Title sent them the exact amount on this payoff Carrington Mortgage provided ... giving the balance through XXXX XXXX but to add {$26.00} per day until the XXXX. As I stated the funds were wired XXXX XXXX in the amount of {$200000.00}. Carrington Mortgage only uploaded {$200000.00} Then stated it was n't enough to payoff and returned all funds. The loan is still accustoming interest as I type this though we sent balance in full almost a week ago that they refused.
03/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75068
Web
We 've made multiple attempts to cancel and obtain a clear reconciliation of our escrow account since 2014. We 've contacted CMS by phone and letters ( via fax per their instruction ) to no avail. In many cases, we received no response. The responses that we have received have been conflicting. Our monthly payments have continued to rise since opening an escrow account with CMS, although we 'd been told that they would decrease after we 'd paid the escrow balance off, which we 've done. Also CMS recently informed us by phone, that their records indicate that our mortgage loan is set up on a term that is incorrect. They claim that we have an ARM although we have documentation from CMS as late as XXXX 2014 stating that we have a 30 year Fixed Rate Mortgage. We have not completed any refinancing or modifications since that time. We 've spoken with countless reps, supervisors and departments over this period, and have not been able to receive any clear answers or resolution. Although we document the names of reps that we speak with, and they advise that they are documenting the system and/or requesting escrow account audits, we call back to only find that neither have been done and we have to start from square one with each CMS representative that we speak with. We have exhausted all resources with CMS to try to and resolve these matters with no success so engaging CFPB to assist us.
12/12/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98373
Web
I represent a homeowner in applying for a short sale, retention options and have a bonafide offer on the homeowners property. I original application process started in Late XXXX on 2018. I submitted the application and followed up several different times before the set auction date for the end of XXXX. In Late XXXX I was told that the application was not complete and needed to submit 2 consecutive paystubs, an updated RMA, and XXXX which I faxed into Carrington Mortgage on the XXXX and XXXX of XXXX. I followed up the first week of XXXX on Tuesday but their loss mitigation department was closed, so I called again on the XXXX of XXXX to find out that they had closed our file out. The representative told me that they had not received the requested documents, I asked the agent which documents they had not received because on two other occasions they had said the same thing but I had proof that the files had been faxed and received in PDF format from my email. The agent said that they were missing the paystubs that they had requested and also the XXXX which i also had proof that they were sent on the XXXX and XXXX of XXXX. I asked that they again review the files that I had already sent several times and set the file back up as being completed. At this point the seller is in jeopardy of losing her home to a foreclosure instead of being reviewed for retention options and a short sale.
06/13/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • XXXXX
Web
Carrington is saying I'm {$3100.00} past due. I have been paying Carrington since XX/XX/XXXX when they took over my loan. But now XXXX XXXX XXXX is asking permission from the bankruptcy court to foreclose on my home. I have been making {$560.00} ever since XX/XX/XXXX. My payment has increased to {$630.00} but Carrington has been letting me pay {$560.00} anyway and I make sure before I payment which amount I should pay. They record phone calls and they can do research to go back and they will have it on record them telling me to pay {$560.00}. I believe that the XXXX XXXX XXXX told them to let me keep paying the {$560.00} so they could complain to the bankruptcy court that I've haven't been making my payments. Today I paid 3 payments of {$1200.00} XX/XX/XXXX. I am really being harassed Carrington and XXXX XXXX XXXX and being retaliated against because of the complaints I have made about this problem! XXXX XXXX XXXX allowed me to make a partial payment of {$180.00} because I had some unapplied funds which XXXX XXXX XXXX applied to my XX/XX/XXXX payment and XXXX XXXX XXXX says I am {$3100.00} past due which is 5 payments since Carrington took over. I do have the letter which XXXX XXXX XXXX sent to me about accepting the partial payment of {$180.00} which was applied to the unapplied funds, to equal to the {$560.00} payment. And XXXX XXXX XXXX still wants to foreclose on my home!
09/30/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 35023
Web
I pay my Mortgage payment through my bank. A check is cut and mailed to the Mortgage Company. The check that was mailed to Carrington Mortgage was cashed 2 days early causing by checking account to be overdrawn which caused NSF fees. The date on the check was XXXX XXXX, 2016. It cleared my bank on the XXXX. I called my bank who, as a courtesy, issued an NSF refund on the initial overdraft charge of {$38.00}. I then contacted Carrington Mortgage and explained what had happened. I was told they do no accept post dated checks and that the address where my payment was mailed was a " machine '', which I took to mean a clearing house for posting. I was not contacted by Carrington or given any notice of the early posting. I was offered no resolution to the issue by Carrington, but was assured by the CSR I was speaking to would be getting with a manager and give me a call back to see what could be done. It has been 24 hours since I contacted Carrington and I have yet to hear from anyone. Another day has passed and two other outstanding charges have been posted to my checking account causing two more overdraft fees to post. Total overdraft fees as of XXXX are {$110.00}. This is ridiculous. If a machine is capable of reading an XXXX routing number and an account number from a piece of scanned paper, it should certainly be able to read a date as well as stop an early draft from happening.
08/05/2019 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • WA
  • 98387
Web Servicemember
We have been trying to get a loan modification with our VA loan for over 8 months. Carrington just keeps sending letters asking for the same thing over and over and over again. We get letters that say our review is closed out and then another asking for documents. We are also trying to work with Carrington through our housing counselor and mediation but no one from Carrington seems to care. It seems like a game they are playing with my family. We can afford to pay our mortgage. Our finances have really stabilized. We sent a lot of new documents today. Carrington already has from previous submissions since XX/XX/XXXX over 7 months : Numerous Letters of explanations for deposits, amounts & differing from statements VA award letter and proof XX/XX/XXXX, XX/XX/XXXX Child support order proof has been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Paystubs have been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank statements have been submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Numerous closed review letters have been sent. Not one time has the beneficiary responded when questioned why the review keeps being closed out. Closed review XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
08/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • DC
  • 20009
Web Older American, Servicemember
Original Request for Loan Modification : XX/XX/XXXX. For loan # XXXX. I complied with all Carringtons request for documentation. I sent materials requested by Regular Mail, by XXXX XXXX, and by Fax. Each time I would be infomed that some part of the documentation was. Not received or missing this occurred on a bi monthly basis. I was asked to repeatedly send in the following documents : two months Social Security statements, Proof of Rental Incone, Tax Return, Business Tax letter of explanation, Form 4506t, Bank Statements with my name circled, Request for Mortgage Assistance, Paper Statement of Bank Account, Profit and Loss Statement. These are the individuals I have spoken with over the past year : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are the dates in which I have supplied the requested documents beginning : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All these requests and returns were sent in XX/XX/XXXX The pattern continued for the year XX/XX/XXXX. Requests and dates sent XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, As you can see, I have been exceptionally diligent only to be given the royal run around Please investigate this recalcitrance on the part of Carrington Mortgage so that some resolution is made Thank you for your kind attention
01/23/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 364XX
Web
I have been in touch with Carrington mortgage company several times this month ( XX/XX/2023 ) I called on the 7 to make a payment and they refused to collect a payment, I called again to make another and they refused to take payment. The company stated they want a full payment or nothing at all. I could not come up with XXXX on the spot, I can make a regular payment several times this month to fix the late payments enough times to get me caught up. So I collected the money up to pay the XXXX at once I called today ( XX/XX/2023 ) carrington refused my payment again and stated that they will only accept through XXXX XXXX or XXXX XXXX. This makes me really uneasy because unlike XXXX XXXX or XXXX XXXX I can track when the money is taken out of my account who it went to at what time. So now Im forced to do it through these companies because they are certified and they trust these funds over my actual bank account. XXXX the first rep try explaining why its better but I failed to understand how it is better, then the supervisor named XXXX was very very insist on just XXXX XXXX or XXXX XXXX. They applied a balance that I have that is XXXX so the full payment will be XXXX. I have had two mortgage companies prior to this company and was never told I HAD to use certified funds to make a payment let alone be denied ever in making any payment when behind. Im conflicted on sending it.
07/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MI
  • 48439
Web
I am requesting your assistance with Lender, Carrington Mortgage Services. At the present time they are proceeding to move forward with a sheriff sale when the borrower and realtor has submitted all required documents upon learning what was required. The documents were submitted and acknowledged received by XXXX, a represented of Carrington Mortgage. The documents were confirmed on XXXX XXXX, 2016. I was told that the file was waiting to be assigned to negotiator AND the negotiator would call with the formal introduction. After not receiving a call and/or email, another call was placed XXXX only to learn that on XXXX Carrington denied due process of the short sale because there was not enough time to review and they were proceeding to foreclosure. I requested a postponement of the sale but this was denied by XXXX. She also, denied a short sale review after the foreclosure sale date citing that unless a full payoff was received during the redemption period thru their attorney, no further communications would be had. I believe that this is unjust with their refusal to fully review the file - especially since the hardship began with the death of the primary borrower on the loan. The death certificate and all documents were received by Carrington months ago with an appeal for a modification due to long term hardship - which was denied without a written document ever received.
08/05/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NH
  • 032XX
Web
On XX/XX/XXXX I made a payment for the XXXX payment of my mortgage to Carrington MS and onXX/XX/XXXX I made another payment for the XXXX Payment to Carrington MS . Both payments were in the amount of {$1300.00} which leaves XXXX and XXXX now due. The supervisor was hostile on the phone when I called to make my payment the second time and told me that I I was past due since XXXX. I disputed that and I submitted a letter to the fax numbers that XXXX, the supervisor gave me for both to receive my statements to be mailed to me and to dispute the amount they are stating over the phone that I owe. I have proof of every payment I have made with XXXX XXXX XXXX and Carrington MS . The supervisor stated that if I did n't make two payments by the end of the month I would be prevented from making any payments at all. Since Carrintgon MS took over my loan for XXXX XXXX XXXX, in one month I am now being threatened with foreclosure. I received only one letter letting me know of the transfer then the letter to foreclose. On Saturday, XX/XX/XXXXI received a letter for the intent to foreclose. Carrington MS was willing to foreclose on my home for two payments behind is unacceptable when I have fought for years to keep my home. I have ever intention of paying my mortgage and find it unacceptable that they can use intimidation and rather than work with me take my home away from my family.
02/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60073
Web
My wife and I are behind on our home mortgage payments and we had a foreclosure sale date scheduled for XX/XX/2019, which forced us to file bankruptcy to stop. We are not really sure what it will take to keep us from losing our home, but Carrington Mortgage have never provide us any options to get back on track with our mortgage. We think that they are obligated to offer some help to struggling homeowners, but they have never sent us a letter or made a phone call to see how we can work things out. We purchased our home about 15 years ago and when we were in trouble ten years ago we had a modification that helped out tremendously. However, I had a very serious health issue and my wife and I separated for a period of time. This caused us to fall behind on the mortgage, but we are now in a better financial situation and want to get caught back up. We are hopeful that Carrington Mortgage will perform a new review based on our current financial circumstances that will lead to mortgage assistance. There must be a solution that will help get our mortgage back in line, but they have failed to reach out to us to initiate some sort of help. Our current income is sufficient enough to make a reasonable mortgage payment and we would be very appreciative if you could get them to stop the foreclosure proceedings on our home and initiate a proper review to resolve our mortgage issues.
01/13/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • DC
  • 200XX
Web
I was approved for a loan modification ( Account XXXX ) due to COVID 19 on XX/XX/XXXX with XXXX. My loan was purchased by Carrington Mortage on XX/XX/XXXX and transferred on XX/XX/XXXX. When the account was transferred I noticed the mortgage account was in collections and then place into a forbearance. On XX/XX/XXXX I called spoke to XXXX whole told me to fax my loan modification documents to XXXX and the modification would be honored. I did this. My first payment was due on XX/XX/XXXX. I called XX/XX/XXXX again and spoke to XXXX who told me although the account was locked I could call XXXX to make a payment and my payment would be applied to the modification. I called in XX/XX/XXXX to make the payment for XX/XX/XXXX, I was informed by the rep the payment was for the new modification. She stated I could make a payment online and my payment would be reapplied once my account was updated. I made the payment on XX/XX/XXXX. I called on XXXX, XXXX, and XX/XX/XXXX asking about the account, my loan modification, and my payment. All reps stated nothing to worry about. Today I received an e-mail from XXXX stating I needed to make another payment in XXXX of XXXX in order for the modification to be finalized in the system. I have also received 5 collection notices threatening to take my property, which is improper if I am currently in a modification or even Covid 19 forbearance.
07/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 212XX
Web
Carrington Mortgage is preventing me from paying my mortgage electronically with no communication as to why. I usually pay by the XXXX through their app but the system displayed a message that read this Loan can not make payments using the mobile app. I tried going to the website and by auto pay via phone. All of which prevented my digital payment. I am current on my mortgage and there is no indication why. Not even a message that says please call us to discuss your mortgage. Last month they charged me a late fee of XXXX dollars, which I spoke to someone about. I signed up for auto pay but had an issue so I ended up paying manually the full amount before any lateness. I asked for a credit of the fee speaking to a rep who said i need to fax my request in writing? Who has a fax machine these days. I asked for an email address, which I was provided and sent my request and I received zero response. I have to take my time today to speak with someone during my vacation. They also increased my escrow despite me having a regular history of paying extra into my escrow. This mortgage company seems to do what they want. Their marketing seems consumer-centric. Their practices are not however. I will call the mortgage today, but chose to file a complaint, because I am unhappy with their poor of communication. Poor in the sense of zero communication or weak responses to questions.
03/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77706
Web
Dear CFPB, I reside in a area that was directly affected by Hurricane Harvey and was declared to be in a Presidentially Declared Disater Area. It is my understanding that during the Moratorium initiated by an Executive Order from the President from on/or about XX/XX/XXXX to XX/XX/XXXX ; loan servicers ( CMS ) were not supposed to be reporting mortgagors as being late on their loans during that time period ... see below : XXXX " The servicer must suspend the reporting of loan delinquencies to the credit bureaus ... ... ..for borrowers that are impacted by the disaster '' XXXX As of XX/XX/XXXX I checked my credit report with both XXXX and XXXX and Carrington has submitted/reported deliquincies to them every month since XX/XX/XXXX until present. As I understand it, this should HAVE NOT occurred. I would PLEASE like this corrected as it is very damaging to my credit and causes derogatory information ON my report that is very harmful and possibly causing undue financial hardship as well. At the very least, if CMS was going to report derogatory information incorrectly, in spite of legal mandate, it should have been reported/coded it with a notation indicating I was in a FEMA Declared Disaster Area, which was not done. All I am asking is that CMS does what was supposed to be done under the law and FCRA be done and I will be satisfied. Very truly yours, XXXX XXXX
09/16/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 731XX
Web Servicemember
I closed on my mortgage with Carrington Mortgage on XXXX/XXXX/XXXX @ 6 % first time buyers and in XXXX XXXX we were contacted by Carrington for a Refi@4.5 % which of course we was glad to do be cause it was a lower rate. We closed on that in XXXX XXXX, in XXXX XXXX we received a tax bill in the amount {$3000.00} for XX/XX/XXXX which I forwarded to Carrington to be paid because it was my understanding that since they paid all my closing cost on both loans they had the sellers tax escrow from XXXX XXXX XXXX XXXX of {$2000.00} according to paperwork from title company ( XXXX XXXX XXXX XXXX, Ok ). According to Carrington tax dept. when the tax bill was paid it put my escrow in the negative {$4000.00} based off an escrow analysis dated XXXX/XXXX/XXXX. On my original loan my payment was XXXX approximately {$440.00} was escrow that was for XX/XX/XXXX -XX/XX/XXXX. Then after the Refi on XXXX XXXX, the payment was {$1400.00}, {$190.00} for escrow. The escrow did n't include taxes because I am a XXXX Vet and in Oklahoma I pay no property tax which took effect on XXXX XXXX XXXX. On XXXX XXXX my adjusted payment was XXXX ( + {$630.00} ). With all this going on I did a refi with another institution and when they sent over the payoff with an Escrow impound shortage of {$2400.00}. I feel there is some unexplained issues of $ XXXX-XXXX that I could never get straight answers to.
08/04/2017 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • GA
  • XXXXX
Web Servicemember
Updated Combined Complaint XXXX Mortgage Fraud Serial Crimes Bullet Point Summary : -XXXX XXXX XXXX XXXX 's XX/XX/XXXX Corporate Collapse Breached to XXXX XXXX Contract Acct # XXXX with XXXX XXXX XXXX on property XXXX XXXX XXXX Ct XXXX XXXX GA signed XX/XX/XXXX. ( XXXX ) - XX/XX/XXXX file for bankruptcy, XXXX gives permission to XXXX for emergency acct mgt auth to Carrington Mortgage Services. XXXX Collapses -Carrington Mortgage Servicers, ( CMS ) Collected Unconsummatable Breached Contract mortgage payments for 7 years, and concealed true status of Lenders Demise. -Carrington Mortgage Servicers and XXXX XXXX XXXX , Forged Assignment and Transfer to Trust Certificate Series XXXX and Filed Fraudulent Deed Recording Against Real Property. ( XXXX Breached Mortgage Contract ) -Carrington Mortgage Servicers and XXXX XXXX executed a wrongful foreclosure using a Forged and Filed Fraudulently Recorded Deed. -XXXX XXXX collaborates with XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) to execute an CMS insider receivership Bid-Rigged Auction for {$110000.00} on a {$190000.00} home - XXXX executed executes wrongful eviction proceedings in XXXX Magistrate Court case # XXXX for Judgment -I appealed Judgement to Superior Court of proper jurisdiction hearing on my Complaint for Bid-Rigged Real Property Sale , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hearing date XXXX XX/XX/XXXX
08/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23831
Web Servicemember
Carrington Mortage bought my loan in XXXX of XXXX from XXXXXXXX XXXX, I found out about this around XXXX of XXXX. I spoke with XXXX XXXX and explained that I had been XXXX overseas since XX/XX/2022. I received an alert from XXXX XXXX that my mortgage had been reported as delinquent on XXXX XX/XX/2022 I contacted the Carrington mortgage company and spoke to an employee named XXXX ID # XXXX and explained to them that I had been making payments and I confirmed that the company had my documents showing I was military and was overseas on an XXXX XXXX XXXX and I had not received any notices of my payments being behind. I requested to speak to a supervisor and was transferred to a supervisor named XXXX ID # XXXX, the supervisor told me he would check with the reporting department and call back. XXXX XXXX XXXX called me back and explained to me that his company was well within the guidelines of reporting me due to the fact that my military documents were obtained by the previous loan company XXXX, he also stated that I had missed my XXXX payment and I was over 30 days delinquent. I have bank statements that show I made the following payments. XXXX payment was made after speaking with the supervisor to stop the company from sending additional delinquency notices. XXXX {$1800.00} XXXX - {$1400.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00}
02/01/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • AL
  • 357XX
Web Older American, Servicemember
XX/XX/XXXX I am the daughter of XXXX & XXXX XXXX, and authorized by them in Reverse Mortgage Services records to discuss and transact their business on this loan. My father will be XXXX XXXX XXXX soon and suffering with memory loss. We have been sending payments and requesting they be applied to the mortgage principal balance on a monthly basis starting on XX/XX/XXXX. This amount from XXXX to XX/XX/XXXX totaled {$11000.00} and NONE of it has been applied to the principal, as shown on the annual Reverse Mortgage statement. We also sent another {$1000.00} in XX/XX/XXXX. It seems the entire amount has been allocated between Mortgage Interest Principal ( MIP ) and interest. Why is there a credit on these two items instead of applying these funds to the principal? How can monies be allocated to interest that is not yet accrued? I spoke with two of their representatives today, XXXX and XXXX. XXXX referred me to supervisor XXXX, and XXXX promised to get with another supervisor and call me back today and that did not happen. I am sending this letter to the state Attorney General, the Federal Trade Commission, the Consumer Financial Protection Bureau, and the state Banking Regulatory Agency to report this and get further clarification. If this is a legal practice, it should be changed. We await your prompt response. Thanks for your attention to this matter.
11/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 754XX
Web
I started with XXXX XXXX. I filled bankruptcy in 2019. During the bankruptcy process my house was sold to Carrington. Since then I was behind from the previous during my bankruptcy with XXXX. Now Carrington owns it. I had to pay XXXX basically to keep my house. I paid that and was caught up on the mortgage. Since then Ive fell behind on my mortgage again by two months now with the exception of they wont allow me to make this month of XXXX. Carrington will not let me pay my monthly note with a little extra at a time to catch up. They want it all at once. Being that Im a single household income and playing catch up at the beginning of the year has set me back again. I only owe XXXX on my house. The house market value is XXXX. I think they are trying to make me lose it so they can cash in on the Equity. They tell me since its a federal loan I cant make partial payments to catch it up. When I was with XXXX I was able to do that during hard times. Now since they own it I cant do that. Which seems odd to me? I need someone who knows about the matter or could give advices to call me. My name is XXXX XXXX. My phone number is XXXX. Looking for a solution to a big problem. I believe they are trying to steal my house for the equity. Doesnt make since you wouldnt let me make a payment with a little extra to catch up. Not allowing me to pay just puts it further behind.
11/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29910
Web Older American
I live in the XXXX XXXX XXXX XXXX area of the XXXX. In XX/XX/2017 we had two hurricanes. During both hurricanes the Governors of XXXX and XXXX declared a state of emergency and all of us living on the XXXX/XXXX coast. were mandated to evacuate from the area for a period for 10 days each time. Evacuation was not a choice. Since I work for XXXX XXXX and live in XXXX I had no choice but to evacuate. This is extremely costly. We were given live checks each time. I called Carrington mortgage company to explain we were evacuating and requested that they document my phone call. I also explained we were given live payroll checks. I am usually a direct deposit pay and pay my mortgage on line. I am NEVER late for my mortgage payments. But it took the checks 15 days to clear each time because of the state of emergency in our area. As soon as they cleared I paid the mortgage company. They still reported my late n my credit reports even though we were in a state of emergency at the time because of the hurricanes. Not only did they they not record that I contacted them, they would not take the late reports off of my credit reports stating that they " had no information from FEMA ''. Given that I can do a XXXX search and find the governor 's of each state declaring our area a mandated evacuation area and a state of emergency I don't know what their problem is.
11/27/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • CA
  • 93446
Web Servicemember
Called and asked 4 times in past month to have a new escrow analysis, due to me paying off new supplemental property taxes. Nothing but lies about when I called, who I called, and what company I called. Carrington mortgage says the have a 3rd party tax company do it for them but then their own too, that do not communicate with each other. My property taxes are less here in California due to me being a XXXXXXXX XXXX. They are refusing to change my mortgage amount from the XXXX a month to my normal XXXX a month payment even when, or if at all this escrow analysis is even done. I also was basically harassed on the first of XXXX about weather I was going to make a payment for that month, and had to tell the to take me off a call list because we have 15 days legally to pay, and it had not even been one day before they called my workplace to harass me! How embarrassing is it that I've had over 8 banks in my life for my home and this is the only one who purposely messes up your account in order to try and scam money from you. I have a good feeling that even after being told by 3 different people at Carrington that my escrow analysis would not be done, the date is constantly changed on me when it will happen, who it will happen by, or if it will happen at all. This company is morally bankrupt and im ashamed to be a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/17/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30331
Web
During my bankruptcy for the mortgage loan the lender has excessive fees. Once caught up these fees were subtracted from the mortgage payments and not as a second payment. They are legal fees and other such fees. The current example this ongoing situations is on XX/XX/XXXX, a catch up payment of {$2100.00} was paid via wire transfer to the Mortgage company which covered miss loan payments of XXXX, XXXX and XXXX as advised. However, there was agreement to pay 5 stipulation payments ( their legal fees ) of {$170.00} of which 2 are still owed. The lender shorted the loan catch up payment made on XX/XX/XXXX by {$400.00} toward fees owed. Also, the mortgage payment increased from {$710.00} to {$830.00} which also caused a shortage in the XXXX and XXXX payments. Therefore, leaving an under payment and suspense payment amount of {$430.00} which is not enough for a payment. With this being the case I am not short on my loan payments with the threat of foreclosure proceedings due the lender saying I owe XXXX, XXXX and XXXX payments. In addition to the XX/XX/XXXX payment I have paid XX/XX/XXXX {$710.00} and XX/XX/XXXX, {$720.00}. I have lived in my home since XX/XX/2008 ; and because of the ongoing financial duress with these fees it has been difficult to maintain mortgage payments the payments shortened for fees. Thank you for your assistance with this matter.
03/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 346XX
Web Older American
We had mortgage with XXXX XXXX from XXXX. When pandemic start we took 6 months forbearance from bank and we have been told there is no penalty or extra interest for not paying mortgage for 6 months. Everything what we did not pay is going to extend our payment period for 6 months. In meantime XXXX sold our mortgage to Carrington and they told us that all terms what we have with XXXX stay the same. In XX/XX/XXXX we continued to make regular mortgage payments to Carrington. They send us 3-4 times done papers to sign regarding forbearance. We did and I find out how they charge me almost {$8000.00} for some extra interest for not paying mortgage and plus they extend my paying period for 2 more years. If I want to left them and go with another lender, I have to pay them more then my original mortgage was 6 years ago, regardless I already made around {$80000.00} in payments toward mortgage. I called them and they refuse to go anything yo correct that. They said how I sigh to be agree with that, I wouldnt never sign something like that if I havent been somehow tricked to do that, or mislead with some high profile language where I didnt understand everything correctly. I think that their actions is wrong and damaging for me without any reason, especially their refusing to fix it. I am not able to hire law firm to finish my business. Think you for understanding,
06/12/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 152XX
Web
Carrington Mortgage Services is the servicer of my FHA mortgage. I received a letter from my local tax office informing me that my XX/XX/XXXX city taxes that were due XX/XX/XXXX are now delinquent and a tax lien will be placed on my property if taxes are not paid by XX/XX/XXXX. After contacting my local office to inquire about the letter, and Carrington Mortgage Services, I have determined that Carrington Mortgage Services did not pay my XX/XX/XXXX city taxes from my escrow account. Carrington Mortgage Services has not been helpful in resolving this issue. When I contact them, I immediately get transferred to XXXX XXXX XXXX. After contacting Carrington/Lereta for the past week ( 5 business days ), the only information I have been able to obtain is that " the situation is being researched and escalated. '' I have not received any other information to confirm taxes are in the process of being paid. Infact, I have not received return phone calls as promised from XXXX, to update me on the status of my unpaid taxes. In summary, my XX/XX/XXXX city taxes were not paid from my escrow account and a tax lien is going to be placed on my property if taxes are not paid by XX/XX/XXXX. Carrington Mortgage Services has done nothing to help resolve this issue since I made initial contact with them on XX/XX/XXXX when I faxed them a copy of the delinquent tax notice.
07/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30087
Web Older American
We recently just finish the forbearance. Now, we were looking to start making the payment. We were confuse about the Process. We didn't know there were 2 different payment options. Carrington contact us by email they said please, please contact us the Completion letter, I was confuse. I receive a call from XXXX XXXX. Thought this and Carrington were one. He then explain each one. XXXX XXXX XXXX also said we hadn't made a payment in 2 and 1/2 years. A lady from Colorado at Hud call. I told her we built our house in XXXX. She corrected me and said it was XXXX. I corrected her and said it was XXXX. She said XXXX XXXX I'm looking at the screen and it was XXXX. I said oh my gosh!! This is how XXXX people losing their houses. I'm waiting for XXXX XXXX to produce Payment Histories for year XXXX, XXXX. Carrington and XXXX XXXX XXXX violated " Real Estate Settlement Procedure Act. Failure to make timely payment out of borrower 's escrow. This loan has {$18000.00} dollars sitting in escrow right Now!! Why?? .Our house in Auction " now waiting for XX/XX/XXXX '' Mortgage Service are required to work with you and tell us about all available option to avoid Foreclosure That didn't happen! That was a secret. This house has {$200000.00} XXXX dollar in Equity. This is an investor Dreams. I had 6 calls this weekend to tell me our house would be Auction XX/XX/XXXX
10/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • XXXXX
Web
On XX/XX/2019, my husband XXXX and I were required to close our previous checking account number ending in XXXX due to compromised identity of our checking account. We established a new account with the same bank, and as an extra security setting, we removed auto pay for all of our utilities and mortgage payments. In turn, a payment of XXXX was denied on XX/XX/2019 to Carrington as the revocation letter of the ACH didn't have time to arrive before the payment was processed. In turn, 2 checks in the amount of {$500.00} were mailed and cleared on XX/XX/XXXX and XXXX to cover the mortgage payment. These checks were sent by BillPay through our banking for security reasons. However, on XX/XX/2019, an ACH of XXXX was withdrawn from our NEW checking account without any approval. When verifying the checking account Carrington had on file, it shows as XXXX ( old closed account ). On XX/XX/2019 a dispute was filed with our bank of unauthorized ACH and began the process of getting the payment of XXXX refunded as this resulted in over draft fees. In turn, the bank also showed where Carrington directly requested funds from our new account, and not the old XXXX. At no time nor place, did we authorize Carrington to use our new checking account for any ACH withdrawals. They took the account number from the bottom of the checks mailed to them with our payments.
11/08/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • NC
  • 27713
Web Servicemember
My loan was picked up by Carrington Mortgage effective XX/XX/XXXX. I received notification of the change on XX/XX/XXXX via email but the email did not have details on my new loan number or how to make a payment. Around the XXXX, I tried to log onto Carrington mortgage site to pay my mortgage but I was not able to. The system would not accept my old loan number. I called Carrington Mortgage and they told me that the system issue was a known one and to wait till after the XXXX and try again. I called again after the XX/XX/XXXX and the rep could not find my account. They told me I should have gotten a letter in the mail. I told they my husband was in the military and we had gotten transferred. I did not have the mail. They told me they did not have my info in the system. About a week later I got a call from a rep that I was late on my payment. She acted as if it was a problem on my side. I explained the issue and she gave me the account number. I was surprised that it was an issue because the email said they payment would not be considered deliguent due to the transfer. On XXXX, I just got my forwarded mail from my old address and now I have a delinquency notice. I think this is horrible service and misleading. The fact that I am considered delinquent is totally contrary to their communication that I had 60 days to get all transfer issues resolved.
07/07/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60435
Web
XX/XX/XXXX XXXX received letter cancelling auction on XX/XX/2022 XX/XX/2022 - was told that on that date Carrington communicated with their lawyer to proceed with auction XX/XX/2022 - received conditional short sale approval. Spoke with Carrington Mortgage. Company to return call with instructions. Spoke with XXXX who is in the closing department not the short sale. XX/XX/2022 - Mortgage company attorney XXXX ( XXXX XXXX ) went into court ( XXXX XXXX ) and had judge approve auction for XX/XX/2022. Homeowners ( XXXX XXXX & XXXX XXXX ) were NOT aware of this date but Carrington attorney states we were and proceeded with getting Judge approval. Why did mortgage company proceed with auction on XX/XX/2022 but approved conditional short sale on XX/XX/2022. When calling mortgage company they continued to say it was a mistake. Home was auctioned today and we will be going to court to file an appearance and motion to vacate sale of home to proceed with short sale as agreed on XX/XX/2022 verbally on a recorded line with Carrington Mortgage We never received any documentation regarding the auction on XX/XX/2022 which coincides with not being made aware of court on XX/XX/2022. Last court date we had in XXXX we had 90 days to do as we which. We completed a XXXX and that resulted in the Short Sale Approvel which was confirmed and accepted on XX/XX/2022.
09/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07011
Web
To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with Carrington Mortgage a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. However, I have been informed by my Credit Bureau that Carrington Mortgage has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by Carrington, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and Carrington, however today I have been informed by Carrington that they can not do anything which I have attached, then I called back Carrington and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.
10/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Fees charged
  • AZ
  • XXXXX
Web
On XXXX, Carrington sent me a notice stating that they were declining my request for forbearance related to Covid-19 public health emergency. AS YOU KNOW, CFPB moved against Carrington with an administrative proceeding file numbered XXXX. In the stipulation signed by XXXX XXXX of Carrington on XXXX Carrington agreed to accept the Consent Order dated XX/XX/XXXX and signed by the Director XXXX XXXX. This consent order stipulates that Carrington will : " Notify all Consumers to whom it was represented that they were NOT eligible for a Forbearence, as desribed in paragraphs 15 ( A-B ), and who have loans serviced by Carrington, are delinquent as of the Effective Date, and have not entered in to a forbearance since XX/XX/XXXX, that may be eligible for loss mitigation assistance, including, but not limited to, forbearence ; '' Nor have they conducted an Audit as stipulated in paragraph " e '', nor have they made any refunds as stipulated in paragraph " f ''. To date they have made no attempt to refund the fees charges to me related to this illegal denial of a forbearance, nor have they provided any information as to how I might collect these funds, which they stipulated to refund in their stipulation agreement dated XXXX How can I collect the {$12000.00} plus in fees from Carrington, that they charged me to get my home out of foreclosure?
10/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • VT
  • 053XX
Web Older American, Servicemember
After mortgage company incorrectly reported to XXXX XXXX that I was " living in a disaster zone '' due to flooding in another area of the state in XX/XX/XXXX, my credit score was lowered by XXXX points, despite the untruth of this ( another complaint to be filed ) Then thry sent me Annual Escrow Account Disclosure Statement dated XX/XX/XXXX which did not included payments already made and informed me I would need to pay additional {$54.00} monthly for XXXX months to cover proposed XXXX escrow shortage of {$280.00}. {$54.00} XXXX months equals {$650.00} which is greater than the so-called shortage amount. I wrote to them on XX/XX/XXXX asking for clarification. I paid my XXXX mortgage XXXX days early as I have done for the length of the mortgage ( since XX/XX/XXXX ). They sent me a letter dated XX/XX/XXXX stating they received my inquiry and would respond on or before XX/XX/XXXX. I am still waiting for that letter. Instead, I got a phone call on XX/XX/XXXX and was told my mortgage payment was not credited because it did not include the {$54.00} which they demanded. I was told that they sent me a letter dated XX/XX/XXXX which I still have not received. Instead I got a Notice of Late Charge and the request to pay the mortgage of plus additional escrow amount. I already paid the mortgage on XXXX XXXX. They are now talking about foreclosure,
08/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11377
Web
To Whom It May Concern, We have been trying to process a short sale on this property with Carrington Mortgage Services ( servicer ) and XXXX XXXX ( investor ). After the interior value was completed, we received a message asking for {$270000.00} net to entertain the option for a short sale approval. We provided evidence to the servicer and investor of the current condition of the property that is not being considered on the current value. The property shows signs of the following issues : 1. MOLD 2. Leak on the foundation causing damage to the foundation and humidity ( Mold ) 3. Electrical and Plumbing system are outdated and could represent a hazard The investor ( XXXX XXXX ) replied back to us that they require a {$270.00} net offer to move forward. We understand that they are not required by law to proceed with a short sale option, but we believe that this type of investor are abusing their power and the lack of regulations against this market makes easier for them.This a very common practice from this particular investor ( XXXX XXXX ) managed by Mr. XXXX XXXX, they overprice their properties to get the home owners out with a foreclosure. we believe these type of practices should be regulated by the federal government to avoid this type of abuse towards the people on a default situation that are trying to get a fresh start for them.
04/16/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92870
Web
The servicing of my home mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage Services, LLC ( effective XXXX/XXXX/15 ) and their website is reflecting the incorrect payment amount. My monthly payment ( inclusive of taxes, insurance, and PMI ) totals {$3500.00}. However, the only amount that their website will allow me to is {$3900.00} ( which includes late fees ). That is not the correct minimum amount due and, as a result of their error, I am unable to make minimum payment due. I need this resolved ASAP so I can make my payment on time. Their website needs to be updated with the correct minimum amount due ( not including fees ) since its not allowing me to pay any other amount except {$3900.00}. Additionally, I still have yet to receive any correspondence from their institution. I had to call in and wait on hold for 20+ minutes just to obtain my loan number. Then when I called back to address the issue with the wrong payment amount, their wait time exceeded 20+ minutes and it would automatically drop the call without allowing you the options to hold. This is becoming a huge nightmare just because they ca n't get their records straight. O know the CFPB has implemented very specific regulations for servicers to abide by pertaining to Servicing Transfers and this company is certainly not in compliance! I need help!!!!
12/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30188
Web
I just received a XXXX XXXX and I am considering refinancing. I did fall behind towards the end of my XXXX XXXX, but I caught up when they filed a response to final claim, stating I owe {$2700.00}. Before my XXXX XXXX ended, I paid in full and I am officially discharged of all debt. XXXX weeks later I receive my next bill due on XXXX in the amount of {$2900.00} ( minus the XXXX I have already paid for my regular payment ). Now since I know 100 % Im caught up with payments because the last 2 I received were paid in full. After some digging, I have a {$500.00} attorney fee which I already paid in XXXX and a " previous lender charge '' of {$650.00} from XX/XX/2018! Sorry, but that is included in my discharge since they had multiple opportunities to add that to their proof of claim, it needs to be removed. I'd prefer not to go to court, but I will for this predatory lender. I've paid thousands extra into this plan I did not agree with-this is the last straw. They need to fix my bill to my regular payment amount as they agreed I have paid in full and a court order of discharge of all debts. The purpose of XXXX XXXX is to walk out with a clean slate not take advantage of people with fees-especially from 2018. Please help this is wrong and illegal by the Bankruptcy Code. I have not even received a response from the company. Thanks, XXXX
06/01/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85310
Web
The company intentionally and systemically creates barriers to payment processing causing delayed payments and negative credit reporting. The payment processing website used by this mortgage servicer was constantly offline on XXXX XXXX , 2017 , which was the last day to make a payment before my account reported as a 30-day l ate. The hold times with the customer service department were extensive and I was not able to get an agent on the phone to pay over the phone. On the following day XXXX XXXX , 2017 I was able to log into my account but the payment portal stated that payments can only be dated until the prior day XXXX XXXX , 2017 . When I finally reached a call center agent, they advised me that it was a known glitch on the XXXX and XXXX of every month their system stops accepting payments online. The only way to process a payment was with that agent but they would charge an additional {$20.00} convinience fee. This is not a convinience when all other methods of expedited payment are turned off because of their glitch. I believe this organization intentionally and systemically causes customers to accrue additional finance charges, and turns off payment options when customers are pressed to make a payment in ord er to drive them into a payment option with a {$20.00} charge to make more money off their customers.
09/11/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 229XX
Web
In XXXX my brother and I purchase a house for my grandmother and receive the deed in XXXX. In XXXX I transition from the XXXX and start working as a XXXX and in XXXX and I found out that I was behind on my mortgage payment, the payments were supposed to be taken over by my brother after my grandmother passed away I found out they were not. XXXX XXXX XXXX told me and my brother that we had a mortgage on that house they did not give us any paperwork showing that the mortgage was with them and when I tried to explain it to them that I did not have a mortgage they told me they had taken the mortgage over in XXXX. After I have asked for documents showing that my brother and I had a mortgage with this house I was told that they would not talk to me and my brother was told they would not talk to him and unless both of us were on the phone at the same time contacting them. On the that house my brother was the primary and I am a secondary. XXXX XXXX XXXX just recently on the XXXX of XXXX sold the mortgage I had on my property to Carrington Mortgage. Carrington Mortgage told me that they now on the mortgage that is on that house and they too will not give me any information showing me that XXXX XXXX XXXX originally had that house and as of right now this is affecting my job I can lose my job with the XXXX because they say we owe {$69000.00}.
01/20/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 90650
Web
Problem # 1 XXXX, I received a letter from Carrington stating that my account was placed into a suspense account. I had spoken to XXXX reps from Carrington asking them what and why it was. They both replied that they had no idea because records showed I was on time on all of my mortgage payments. On my third call and after receiving another letter, I spoke to a rep who found out within a minute. She said I was short on my payment because of an escrow change. I told her that it was unfair that now I was charged a late fee for every month, but I paid the charges anyways that same day to clear this up. She told me I had to write a letter to Carrington Research to recoup any late fees I was unfairly charged. I faxed them the attached letter. They refused citing no valid reason. I tried to refinance, but it showed that I was late on my payments numerous times? Refinancing is impossible now because of the negative/late flags on my account. Problem # 2 In my XX/XX/XXXX statement there is a late charge of {$20.00}. I spoke to a rep in XX/XX/XXXX who told me it was a `` drive by inspection fee '' charged because they wanted to make sure I lived at my property. The rep said she was unable to give me any answers to any question, and that if I wanted any info that I was to write another letter and send it to their Research department? Again?
10/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 14424
Web
Carrington Mortgage Services, LLC failed to send escrow change information and invoices to me that reflected a payment change due to escrow change in XXXX 2016. They failed to call or make any attempt to contact me from XXXX to XXXX 2016. During that time they took the monthly mortgage payments that I was automatically making and misappropriated the funds, putting the money into holding rather than applying it to the proper accounts. When I received a certified foreclosure notice I immediately called them and initiated an investigation into the issue. My bank has provided proof of all payments being made on time and Carrington Mortgage Services, LLC has given no good explanation as to why they did not attempt contact or why they did not apply funds to the account appropriately. After a month of letters and phone calls they now say that they have corrected the issues and removed the late fees, however they refuse to correct credit reporting information. They maintane that I made late payments in XXXX and XXXX 2016. I have provided proof from my bank that all payments were made on time and in the amount that I had been made aware of. As this issue was solely the result of Carrington Mortgage Services, LLC mishandling my escrow account I have closed the escrow account and removed their ability to change any further payment amounts.
06/30/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 757XX
Web Servicemember
My loan was sold to Carrington Mortgage Services by XXXX XXXX XXXX effective XXXX XXXX, 2015. Prior to the sale of my loan, I was provided with my yearly escrow analysis which explained that my mortage payment would increase by approximately {$30.00} per month. This seemed like a large increase, so I did my research and found out that my taxes and insurance did increase so the increased escrow payment was justified. Fast forward to XXXX 2015. I am now an unwilling customer of Carrington Mortgage Services. I received a new escrow analysis from Carrington stating that my mortgage payment would increase {$120.00} per month OVER the increase that XXXX XXXX XXXX had already implemented. I lookled up my taxes, insurance, principal and interest amounts for each month and came up with exactly what XXXX XXXX XXXX was going to raise my payment to. {$1200.00} per month. I called Carrinton XXXX and was on hold for XXXX+ minutes each time. And while both employees were courteous, I was eventually told that they could " cushion '' my escrow however much they want and I have no recourse. So my payment is now {$1300.00}. This is unacceptable. I did not agree to these terms and will not pay this. It is appalling that I now have to deal with a company that I did not choose and who can change the terms that I legally agreed to with XXXX XXXX XXXX.
08/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 95747
Web
I have been trying to close on a refinance with XXXX Mortgage since the end of XX/XX/XXXX. On XX/XX/XXXX, I received the first of many Loan Disclosures : Immediate Action Requested to expedite Home Loan Application emails causing me to believe XXXX was actually moving through with the loan. They have conditioned this to death and XXXX XXXX has been nothing but rude and downright XXXX without being XXXX- she has used microaggressions to the fullest extent and she definitely knows what she is doing when it comes to being just short of illegal. This ploy and tactic to condition my loan to the extent of the way that they have is to have me give up the loan as they know that this is illegal to state they do not want it. I can provide ALL OF THE DOCUMENTATION that I have been asked to provide and followed their instructions to the exact way they wanted it. They kept asking me for letters and credit explanations to no end. I would like a full on investigation and reprimand of this whole team that " worked '' on my file and I would like to file a discriminatory complaint as well. I am trying to upload all of the documentation that they asked for, but even the file exceeds XXXX I will provide that upon request. These individuals include XXXX XXXX, the Account Executive ; XXXX XXXX the Underwriter ; XXXX XXXX ; XXXX XXXX.
01/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30052
Web
I have two complaints against Carrington Mortgage Services , LLC . The first and most pressing issue has to do with my city taxes, I received a letter from my city that the city taxes was not paid and if not received by XX/XX/XXXX there will be additional interest and possible garnishment, or attachment procedures may begin. I have spoken to 7 different representatives at CMS on XX/XX/XXXX and they still are not capable of resolving this URGENT matter. They receive my mortgage payments every month without issues. I need an entity that has TEETH when dealing with these institutions, the XXXX is not the appropriate organization to deal with these matters. My second issue deals with mortgage assistance during the pandemic that I never used but made an inquiry into, I received a notification on my credit that I missed two payments XXXX and XX/XX/XXXX. When I contacted CMS once again, they did not have any answers for me. It seems CMS do whatever they please and are never held accountable for their actions that can have serious consequences with their customers. I have attached the late tax letter I received, and I started my conversations with CMS on XX/XX/XXXX and nothing has been done and they do not have an interest in resolving this issue, because in their mind, they mailed a check, and they are done with the investigation.
09/22/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33026
Web
I REQUESTED A MODIFICATION FOR MY HOME LOAN TO CARRINGTON MORTGAGE SERVICES, I STATED TO REQUEST THIS MODIFICATION ON XXXX OF XXXX. THE REASON WHY I REQUESTED THIS MODIFICATION WAS BECAUSE OF I HAD FINANCIAL PROBLEMS WITH MY BUSINESS. ON THIS PERIOD OF TIME I MADE SURE I MADE AT LEAST NOT TO HAVE MORE THAN 3 PAYMENT IN A ROLE, SO THAT MY ACCOUNT DID NOT GO TO FORECLOSURE. FOR THE 3 MONTHS THAT I WAS BEHIND I REQUESTED TO SKIPPED UNTIL THE LAST PAYMENTS OF MY MORTGAGE .FINALY THEY PROVIDE ME WITH AN APPROVED LETTER SAY THAT THEY APROVE ME FOR A BALLOON PAYMEN SHALL MEAN A FINAL PAYMENT .THIS WAS APPROVED IN XX/XX/XXXX JUST WHENT THE PANDEMIC OF COVID BEGAN. I STARTED TO LOOK OUT FOR HELP, AND THEY TOLD ME THAT I DID NOT QUALIFY FOR THE COVID 19 HELP, BECAUSE IT VAS A CONVENTIONAL LOAN, AND THEY SAY I HAD TO APPLY FOR ANOTHER MODIFICATION, I DON'T AGREE WITH THAT BECAUSE OF THE PANDIMIC HAS HAS AFFECTED ME FINANCIALLY AND I HAVE NOT BEEN ABLE TO WORK. IM TRING TO GET HELP AND GET MORE TIME AND IM WORRIED I DONT ' WANT TO LOOSE MY HOME. I HAVE BEEN SENDING THEM LETTER, AND CALLING ALL THE TIME TO GET HELP AND THEY DON'T HAVE ANY ANWER, THEY ALWAYS TELL I NEED TO WAIT AND SEND SO MANY PAPER WORK OF THE SAME .AND I ALWAYS GET DIFFERENT ANSWERS. THE LAST TIME THEY TOLD ME THEY WHERE NOTE SURE IF THEY ARE GOING TO GIME ME THE HELP
08/17/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • XXXXX
Web
Carrington Mortgage Services , LLC opened fraudulent mortgage loan using our property information and my identity information on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They did not report this loan to my credit history until XX/XX/XXXX. Recently when I found that this loan was opened by my stolen identity information in XX/XX/XXXXand not by any legal business process, I reported a complain to FTC. As a result, Carrington closed the loan for few days. Recently they again opened the loan account and sent me a foreclosure notice for non-payment on this loan. I have made it clear to Carrington Mortgage Service that unless and until they prove that this loan has been opened in XX/XX/XXXXlegally, I would not be paying them any money. Carrington did not provide me any proof of the legality of the loan. Moreover, they changed my property title by executing two forged mortgage deeds. Carrington issued two other fraudulent mortgage loan notes on our property. One was on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXand the other on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They serviced the loan in XX/XX/XXXX, when they were not even servicer of our mortgage loan. The other loan they are currently servicing since XX/XX/XXXX. Both these loans have been documented in Mers and the forged deeds are also recorded in the XXXX XXXX of Texas.
01/23/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • 077XX
Web
XXXX we refied with XXXX mortgage, XXXX {$280000.00} in XXXX XXXX XXXX XXXX bought the loan, cause XXXX XXXX belly up, then in XXXX XXXX sold to Carrington XXXX in that sale to Carrington from XXXX they raised to years from 25 to 36 years with no modification and did not inform Us of any changes in the number of years remaining for this loan to be paid off? We were told we didn't qualify for Loan Mod. We also didn't agree to change for 25 years to 36 years in our loan for no reason? who would? the loan is supposed to be paid in XXXX for some reason unknown to Us, banks have added XXXX to our loan? XXXX, and no explanation, crazy right. and every month add {$100.00} in late fees after XXXX, but I am on XXXX and get paid every third week of the month. LATE FEE NOW TOTAL {$3600.00}? IHAVE ASKED CARRINGTON TO WIAVED TO LATE FEES they refused and will continue even though I get a check every third week of the month. We need assistance in this matter. Issues 1. why did the years go from 25y to 36y? 2. waive late fee, since I receive my SSDI on the third week of the month? what would be fair is return mortgage to 25y so it will be paid off in XXXX not XXXX as the original contract mortgage and remove all late fee and change late fee to after 30 days not 15. thank you for your assistance in this matter. XXXX XXXX & XXXX XXXX
10/03/2023 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Changes in loan terms during the application process
  • GA
  • 316XX
Web Servicemember
My husband told Carrington Mortgage that he had my permission to pull my credit for a joint VA mortgage loan. refinance. This was. NOT true, I was totally unaware of what my husband was attempting to do with the mortgage company. He had reached out to them about a refinance in order to qualify for some type of XXXX relief. I noticed that I had XXXX hard pulls on my credit from XX/XX/XXXX and XX/XX/XXXX. Once I investigated where it came from, I discovered that it came from XXXX Mortgage. On XX/XX/XXXX I reached out to XXXX Mortgage to request that they remove the hard pulls from my credit report because they did not have my permission to pull my credit. They asked me to send the request in writing. On the same day of the call to Carrington, I faxed a written request to them as requested. On XX/XX/XXXX, I received a letter from Carrington Mortgage stating that they would not be able to honor my request because they did have permission from my husband XXXX XXXX to pull my report. After investigating the law regarding consumer credit monitoring, I found several online references that state that it is illegal to have a spouse or a business to a spouse 's credit without permission. Please assist in the resolution of this complaint. My credit has suffered tremendously due to these unauthorized actions and credit pulls.
10/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30094
Web Servicemember
Please accept this written request to investigate the total payoff cost of my home in the amount $ {$340000.00}. This amount is extremely high considering my original loan amount was $ {$330000.00}. I have lived in this house for 15 years and Ive never refinanced or taken any money from my equity. There is a deferred loan modification in the amount of {$97000.00} done in XXXX which was supposed to be forgiven under the President Obama Hardest Hit Program. Under the terms of this mortification, the {$97000.00} was supposed to be forgiven after three years because I was substantially under water in my home where I owed more than the house was worth. In addition, in XXXX, Carrington Mortgage was given {$50000.00} from The Home Safe Georgia Underwater Assistance program. Despite doing two modifications on this home, theres no way I owe {$11.00}, XXXX more on this home than the original purchase of {$330.00}, XXXX in XXXX. I contacted Carrington Mortgage on XX/XX/XXXX and they had no answers for me as to why I owed so much money on this loan. They also could not find any information concerning the {$97000.00} deferred amount that is now included in my payoff amount. Nothing was settled and I was just informed to fax them a request in writing to further investigate the matter. I faxed the request to Carrington on XX/XX/XXXX.
06/29/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 705XX
Web
Our mortgage was held by XXXX XXXX until XXXX of XXXX. In XXXX of XXXX, we requested relief due to COVID and XXXX XXXX gave us relief in the form of 3 monthly payments, covering XXXX, XXXX and XXXX of XXXX, that would be moved to the end of our loan. We owed {$1300.00} per month for those months which, again, were understood to be being moved to the end of our loan. We resumed paying XXXX XXXX in XX/XX/XXXX and didnt miss a payment until our loan was sold. Carrington Mortgage Services , LLC bought our loan from XXXX XXXX as a part of a disaster forbearance package. Carrington claimed we were delinquent for those 3 COVID months and owed all of it plus the month of XX/XX/XXXX, which was their first payment period as new owners of our loan. It took some time to get into contact with Carrington to find out what the issue was. We spoke to a woman named XXXX several times who told us not to pay the full amount owed on their website until we got to the bottom of things. Meanwhile, the letters from Carrington claiming we owe still more money for fees while the clock is now into the 3rd month without a result. We now owe $ XXXX+ for the original COVID forbearance and the 3 months since Carrington bought our mortgage and now Carringtons website wont even allow us to pay off the total, which were willing to do at this point.
06/09/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MD
  • 217XX
Web Servicemember
Carrington Mortgage bought my VA mortgage from XXXX XXXX. Ive owned the home for 16 years. In XX/XX/2021, my electronic payment from my bank did not go through. I had no idea. Later, I received a late payment notice via mail. I just assumed that it was in error ( with XXXX, I didn't always pay on the first of the month, and had 10 days before it was late... .Never had a late payment with XXXX XXXX XXXX to my recollection ). I just assumed the payment went through after Carrington sent the notice. Then in XXXX, I paid. Received a late notice. XXXX and XXXX, same thing. Because this had already happened for 3 months, in XXXX, XXXX, I actually paid attention to the date I paid the mortgage. I took the initiative to try and figure out what was going on and to my surprise, the XXXX XXXX payment was never charged to my bank account. Carrington was reatroactively applying monthly payments and charging me late fees. They never informed me that a payment was missing. They assert that they called my primary telephone number. That number was a landline number in XXXX XXXX 's database, that was discontinued more than 10 years ago. They never called me on my cell. As a result, I can't move at the end of the Summer as I had planned since XXXX XXXX requires 12 months of no late payments. This is really a problem for me and my family.
04/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11756
Web
MY MORGAGE COMPANY CARRINGTON MORTGAGE SERVICES SENT ME A LETTER ON XX/XX/2021 THAT I HAD NOT MADE MY MONTHLY PAYMENT. i HAD SENT THE PAYMENT ON XXXX XXXX 2021 I RECEIVED THE LETTER THAT STATED I WAS PAST DUE AND THAT IF DID NOT MAKE THE PAYMENT BY XX/XX/2021 I WOULD BE CHARGED A LATE FEE. THE CUSTOMER SERVICE ADVISOR STATED THAT THE STATEMENT COUPON WHICH WAS SENT OUT HAD THE OLD ADDRESS IN ARIZONA. THE LATE LETTER SHOULD NEVER BEEN SENT OUT IF THEY KNEW THAT THERE WAS A PROBLEM OF THEIR MAKING. I FEEL THAT THEY WERE JUST TRYING TO PROFIT OFF OF THEIR MISTAKE.BY COLLECTING THE LATE FEE. I THEN RECEIVED MY ANNUAL ESCROW DISCLOSURE PAYMENT. i WAS INFORMED THAT I HAD A ESCROW SHORTAGE OF XXXX. THE LETTER STATEED, '' IF YOU CHOSE TO PAY THE ESCROW SHORTAGE IN FULL IN A LUMP SUM PRIOR TO YOUR EFFECTIVE DATE. YOUR MONTHLY PAYMENT WILL BE REDUCED BY THE MONTHLY SHORTAGE PAYMENT AMOUNT. '' ON XX/XX/2021 I RECIEVED MY STATEMENT FROM CARRINGTON TOO MY SUPRISE THEY HAD NOT REDUCE MY PAYMENT. WHEN I CALLED THE SERVICE REP STATED THAT I HAD TO CALL AND REQUEST A NEW ESCROW ANALYSIS THAT IT WASNT DONE WHEN THE RECIEVED THE PAYMENT. I FEEL THAT THIS IS FRAUD WHERE CARRINGTON IS TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM. A SIMPLE SENTENCE THAT STATED THAT U HAD TO CALL AND REQUEST THE NEW ANALYSIS IS ALL THAT IT WOULD TAKE.
03/20/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98271
Web Servicemember
I changed my payments from monthly to biweekly starting XXXX XXXX. Paid the first half of my mortgage on the XXXX and waiting on the XXXX to pay the rest to complete the XXXX payment. Before my old mortgage company sold my mortgage to Carrington, i had a check given to me due to overpayment for escrow and now carrington help that amount in suspense. Carrington then told me that using that money in suspense i only needed to pay {$56.00} to complete that XXXX payment but i had the first half already paid. I kept asking them to explain to me why i have to pay multiple times. For context. I have about XXXX in suspense then the XXXX payment was supposed to be XXXX and i paid half of that. Carrington told me that to make XXXX payment up to date, i needed to pay XXXX extra since XXXX + XXXX is equals to my XXXX payment. I asked where my first half payment which is about XXXX went then. And they kept giving me the round about and basically telling me that i just now needed to pay XXXX to make XXXX up to day. So my question was what happened to the XXXX i have in suspense. The guy on the phone raised his voice at me gaslighting me that i just needed to pay that extra to be up to date. Now i have a late fee for all these going on. The balance left for the XX/XX/2023 is 2 different amount when i use the app and the website.
11/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 136XX
Web Servicemember
I would like to report Carrington Mortgage for multiple reasons. The first for harassing me with numerous phone calls each month about my mortgage payment. I typically start getting phone calls around the XXXX of each month when my payment is not late until the XXXX of each month. I am an XXXX wife who currently does not live in my home since my husband services his country. I rent my home and must wait for rent proceeds to make the payment. I have always paid my bills in a timely manner. This is depicted in my credit score of XXXX. I also get verbally abused by customer service when I ask why I 'm receiving phone calls. They said your payment is due on the XXXX and we call until you pay the bill even though it 's not considered late until the XXXX of each month. The next issue is I 'm trying to set-up my account to make online payments since they are charging me {$5.00} each time I make a payment via phone. They would not allow my husband to use his bank account even though his name is on the loan. I had to transfer the rent proceeds to my account and now I ca n't gain access to make a payment online for some reason. They are taking advantage of customers by not easily allowing them to gain access to their online payment system, so they are forced to make payments where they enjoy a {$5.00} speed pay fee each month.
05/09/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 759XX
Web
We purchased a new modular home XX/XX/2007, with XXXX XXXX XXXX in XXXX XXXX, TX we closed at XXXX XXXX XXXX with XXXX XXXX in XXXX, TX. Closed on a Modular Home I have all documentation. The manufacturer is XXXX in XXXX, TX contact XXXX XXXX, invoice from them shows Modular Home, I called them and he confirmed we have a manufactured home with the serial numbers. We got a loan with XXXX XXXXXXXX XXXX XXXXXXXX for XXXX they transferred our loan to XXXX XXXX XXXX which they transferred it to Carrington Mortgage. Which its been 11 years we have been making notes on our house, yes we just found this out when we received a tax bill for a manufactured house, needless to say our house we have been living in is in someone elses name in a completely different county. A Modular Home is constructed like a home you would build on your land so yes a Modular is more expensive, we put XXXX down XX/XX/2007 a manufactured home is way less, inspite of this fraud we also have been carrying homeowners insurance on a Modular House for 11 years. My husband is XXXX and all this maintaining and money we have to put into this manufactured home is making is XXXX XXXX worse, let alone we are on a fixed income. I just want help from all parties because this is fraudulent. I have all and any documentation if needed. Thank you for your time.
05/25/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21221
Web
I was supposed to receive an escrow check from this company. I sold my house on XX/XX/XXXX. XX/XX/XXXX and I still had not seen a check. I called them on XX/XX/XXXX and they told me it was mailed out on XX/XX/XXXX. I have received all kinds of mail form them but no check. On the XXXX a gentleman told me that he would stop payment on the old check and have them issue a new check, to wait 5 days. If I did not see a check by Saturday XX/XX/XXXX then to call back. I called back on XX/XX/XXXX and the lady told me that the gentleman had mad a mistake and put the check back in escrow! After a long conversation with her she said that her supervisor agreed to have the check sent next day air to my address. She also said to call back on XX/XX/XXXX and they would have a tracking number. I called back on XX/XX/XXXX and the new lady said the check was still in process of being issued and that it would take about 2 weeks for me receive this check. I settle on my new house on XX/XX/XXXX and this is money I was going to use for the down payment! Now I may lose the new house and all they can do is say sorry for the inconvenience. They flat out lied to me from the 1st phone call, I asked to speak to a supervisor and they kept transferring me to different departments. This company dose not know the 1st thing about customer service!
03/08/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CO
  • 809XX
Web Servicemember
PLEASE HELP ME GET A SINGLE POINT OF CONTACT FOR LOSS MITIGATION OF A VA LOAN!!!!!!!! I have been seeking a VA mortgage modification since XXXX!!!! I have been dealing with Carrington since they acquired servicing of my mortgage in XXXX and they have NEVER assigned a single point of contact to my case. This has cost me time in the form of wasted effort and timing from when mortgage rates were better and the financial picture was more favorable. For years I have continued to submit loss mitigation packages, most recently XX/XX/XXXX and XX/XX/XXXX, and have STILL not received the name and contact information for a single point of contact. I receive letters requesting that I call the main number, example attached. When I call that number I do not get the same person nor the same instructions twice. This is a stonewalling tactic!!! I have submitted EVERYTHING they have asked for or a letter of explanation in lieu of an item that is unattainable. Per Colorado law 38.38.103.1 and federal regulation under Title 12 Chapter X Part 1024 Subpart C 1024.40, I should have been assigned a single point of contact literal years ago! Please help me in enforcing that Carrington complies with the laws and regulations or direct me to the department or agency who can. This is causing undue stress and financial damage to my family.
06/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70791
Web
On XX/XX/2022, as stated by creditor ( Carrington Mortgage Services ) in document attached, received an inquiry on my behalf. I sent this inquiry to Carrington Mortgage on behalf of Account number XXXX, which is my current account with them. As I reviewed my consumer report Ive noticed that there are more than 37 violations on the said report. I also noticed that there are late payments reported on the report as well. The letter was to inform them that they were in violation of law 15USC1681a 2 ( A ) i. Also attached to the inquiry was a copy of my Drivers License, Social Security Card, and proof of address for verification. This company as mentioned in the inquiry is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also 15USC166B states a creditor may NOT treat a payment on a credit card account under an OPEN end consumer plan as LATE for ANY PURPOSES. Both of these are violations along with the improper reporting that shows over 37 violations across three major bureaus. This is a violation of 15USC1681 section 623.
09/15/2020 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NC
  • 28056
Web Servicemember
I entered into a temporary loan modification agreement with Carrington Mortgage. I received the final Loan Modification Agreement dated XX/XX/2020. They gave me until XX/XX/2020 to have the documents executed and returned to them. In the documents a balloon payments of {$40000.00} was indicated in agreement. However, the a balloon payment breakdown was not included. Two weeks to have the documents reviewed by legal aid was not adequate considering COVID-19 closures and face-to-face restrictions. My state of residence, XXXX XXXX, has been on a stay at home order since XX/XX/2020. Governor XXXX just recently moved the State to Phase 2.5. https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a breakdown of the balloon payment but have yet to receive one. I spoke with a representative from Carrington Mortgage on XX/XX/2020, however, I was informed that my property was in fact in foreclosure, again, and I would have to reapply for a loan modification. I was not informed by Carrington that my loan would be put back in foreclosure when I reached out for the balloon payment breakdown. I have paid my mortgage payments are required during the temporary period but Carrington Mortgage is reporting my mortgage as paid as late on my credit report.
11/06/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 242XX
Web
my house burned I called Carrington mortgage company ( who owns my mortgage ) to ask for a payoff and how to go about paying it. Their representive told me to send check to them unsigned then they would sign and send back. I would then sign and bank wire the money to them because there was a few XXXX extra in the check. I ask a number of times to make sure I was doing this right. I sent ck overnite XX/XX/XXXX to make sure it was paid XX/XX/XXXX because the payoff would change then and they would charge me more. when I called XX/XX/XXXX to see why it was n't back they told me it had to be done a completely differnet way and that they had just put it in regular mail so it would n't be back XX/XX/XXXX. when i said but that will cost me more the Rep said oh you do n't have to worry about it there is plenty in the ck to cover what ever we will need to take .When I ask how much they r going to take they said they would n't know till the check got back to them. and refused to give me any numbers at all. When I complained because I had done everything I was told to do the mistake was theirs that I felt I should not have to pay anymore than than XXXX payoff I just keep getting suffled to some one else. I had this loan for over 6 years and paid over $ 40,000.oo yet my payoff was only {$7000.00} less than I started with
06/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TX
  • 77079
Web
I'm complaining against XXXX XXXX XXXX and XXXX XXXX of Carrington Mortgage Services. It started with XXXX XXXX telling me that he will get me the 3.25 % interest rate but forgetting to mention that I have to pay for it through points. When I talked to him about it, he said he will fix it. Then, when we were about to close he told me that he can't do anything about it. He said that I can deduct it in my income tax at the end of the year anyway. Then he pressured me to decide the same day or I won't be able to close the following Monday. In spite of the rush, I still was not able to close the following Monday. It was moved to Tuesday so what they told me was a lie. Then, on the signing of the documents, the notary noticed that there is no document to sign the release of my cash out. When I emailed both XXXX XXXX and XXXX XXXX, XXXX said that if I did not sign any documents about the release of funds, they can't do anything about it. Though there was nothing to sign in the first place. The notary double and triple checked the documents. I told them I'm going to file a complaint against them about this since the documents that I need to sign came from them. They were so unprofessional. I hope I still get my cash out because my next step would be to sue them for breach of contract if they don't release my funds.
08/17/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 470XX
Web
My USDA mortgage loan is currently serviced by Carrington Mortgage Services ( CMS ). CMS claims that the total amount past due is {$14000.00}. The alleged claim is for 14 payments. CMS alleges that {$3400.00} were transferred in late fees from XXXX. XXXX has advised there were no late fees compiled when the loan was transferred in XX/XX/XXXX. CMS is clearly trying to over collect on the amount due, so they can push the bill to the USDA for payment. I have also applied for a loan modification on numerous occasions and CMS has refused to submit the modification requests for underwriting to the USDA. Since the USDA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the USDA is unaware of the partial claim, they were clearly in the dark on the loan modification process. CMS is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. CMS also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. CMS has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.
04/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • XXXXX
Web Older American
I have been harassed by a XXXX XXXX, who claims he works for Carrington through XXXX XXXX, about the status of my loan and when I will be paying. XXXX has threatened to send up to 4 people to my home to remove my family as we are not speaking to him, as Carrington has repeatedly denied having any knowledge of him and denied even utilizing third party agents. XXXX XXXX still claims he works for XXXX on behalf of Carrington, has claimed Carrington doesn't know what they are talking about, has repeatedly tried to get me and my family members to agree to pay more than what's owed ( I currently owe aprox. {$22000.00} and he told my son-in-law that I owed {$50000.00} ). He has gone as far as to even email 6 different email addresses with my daughters name and our street address, not knowing if it was her, and even though my daughter is not on my loan. I am trying to make right by my loan, but am afraid to trust anyone, whether it be this XXXX character, or someone from Carrington since I have no idea who is right in this matter. I would appreciate being able to deal with one person and will gladly do what's necessary to make my loan whole again, or if I can find another lender deal with another lender. Proof of said emails can be furnished upon request as well as call records from when he called my cell phone.
11/06/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 32164
Web
My husband lost his job on XXXX, XXXX XXXX hit XXXX. I had no work for about two weeks. We put in for extamtion. Bank gave us 90 days but all three payments are due XXXX. They said if we dont have Balance paid off to call and they will figure out something then. Since then they keep sending correspondences saying that I need to contact them and I do every time and they tell me to disregard the messages and my loan is fine. Well last week they sent a person to my home on XXXX at XXXX to hand deliver a letter from my mortgage company. That person took pictures of my home. I call them on XXXX and they tell me that everything is fine and this visit is computer generated and they cant do anything to stop the visits or the letters. I ask them to give me something in writing to verify that my loan is fine and I am told they dont do that. I am worried they are starting to foreclose while lying to me. I live in XXXX County and it was declared a distastser. I also made a {$900.00} payment last week and today another letter. I have uploaded only some of the correspondences. I did throw away first few letters after speaking with carrington. They told me to disreguard letters they were computer generated so I tossed them. But this is getting scary the amount of mail andalso having someone hand deliver a letter.
08/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19702
Web
My mortgage was transferred to Carrington Mortgage from XXXX XXXX XXXX on XXXX 2016. While I as at XXXX I have never missed a mortgage payment. I received a statement claiming I owe {$4800.00}. My normal mortgage payments are {$950.00}. Carrington Mortgage has changed the amount due ever month since the transfer to them. I pulled my credit report this year and found out I was being reported late for 3 month. I have since made an extra " normal '' mortgage payment to bring my account current. Now Carrington is charging me a monthly late fee for past due amount that I do not owe. My XX/XX/XXXX mortgage payment is not being accepted as they now want a minimum of {$2900.00} of which I do not have. By not accepting my mortgage payment will now cause me to again be late on my credit report, hurting my credit substantially. I need my account corrected, my payments accepted and my credit standing corrected. I have tried to dispute these " Unknown Fees '' that should never have been charged to my account with the credit bureaus and the Carrington Mortgage but the fees are still on my account. It also seems these fees was transferred from my original mortgagor, XXXX XXXX XXXX. As, I have NEVER been late my entire 12 years with them prior to the transfer, I should never have been assessed these enormous fees.
09/14/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • XXXXX
Web
On XXXX I made an online mortgage payment to Carrington Mortgage Services. On XXXX I was informed that the payment was returned from my bank, so I made another payment and stored my routing number and checking account number. On XXXX i was again contacted by Carrington, who informed me that the payment was returned and that I " must have put in the wrong number. '' And, that I was turned into the credit bureau. I talked to another person on XXXX who verified, that I indeed had the correct information stored. I filed a complaint with the client advocacy department who said they would investigate -- received a phone call back, could not understand the return phone. So I have owned the home for almost 10 years, 8 1/2 which was with XXXX. Never, ever had a late payment. it is impossible to get through their main number so I go through XXXX. So the Carrington rep. on XXXX verified that the correct info. was stored, so they said they would pull the phone call. In the meantime, the only late ( false ) mortgage payment ever reported to the bureau. Plus, when I made the payments on XXXX and XXXX electronically, I received a confirmation email saying the payment was made. I believe they are committing fraud and need to be investigated because i see many other complaints online about them for similar reasons.
07/21/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44460
Web
My automatic payment was returned as I didnt have enough funds in my checking account. I received no notice or warning of this after it happened. I only became aware of the situation nearly a month later when logging into the online portal for another reason. At this time, I contacted Carrington, who stated that I was not behind on payments and was not in default in any way. I inquired about making up the missed payment, and was advised that it had been corrected. A week later, I received notice of intent to foreclose from Carrington. I contacted them again at which point I was notified that while I was not delinquent, they did consider my payment later and that it would be reported to the credit bureaus. I asked again about the status of my account and was told I needed to make an additional payment to bring the account current. During this time, I was in the process of obtaining a debt consolidation HELOC, which has now been denied because Carrington reported me as have a late payment after telling me just a week before that I was not in arrears. As a result, I am now in a very bad situation where I no longer qualify for any type of loan because of their record on my credit report and am now being told I have to pay a double payment or theyll continue reporting me as late each month forever.
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11208
Web
Carrington Mortgage reported me as 30 days late for the month of XXXX due to no fault of my own. I am requesting that the 30-day late reporting be corrected to reflect the account as paid as agreed. Since the inception of the loan, I make my payments on the Carrington website between the XXXX and XXXX of each month. On XX/XX/XXXX, I made an online payment on the Carrington website as I had always done in the past. As far as I was concerned, the payment was processed successfully. On XX/XX/2022 I received a call from a Carrington rep who informed me that they didn't receive the XXXX payment. I informed her that I made a payment online. She put me on hold and researched as to what transpired. She said that their system was down on the day that I attempted to make the payment, and that my payment was not processed successfully. She assured me that if I make a payment immediately, there won't be any late fees or late reporting. I made the payment on the spot and yet I was reported 30 days late on my credit. Please correct the reporting as promised!!! There was a glitch in Carrington 's payment processing system as confirmed by their rep and I shouldn't be held responsible for an error that occurred on their end. This was a bank error, and I am being penalized for something that was out of my control!
07/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89117
Web
Carrington Mortgage is in violation of federal regulation on servicing transfer as well as proper oversight of their vendor plus possible other violations describe below. The servicer failed to properly obtain hazard insurance information [ Insurer, agent, policy number ] after acquire servicing from prior servicer. This resulted in Carrington forced place insurance which is extremely expensive. Further more, Carrington outsource monitoring of the insurance status to 3rd party, which is likely related to the seller of the force placed insurance. This created mis-alignment of interest where loan borrowers are income opportunities for both Carrington ( by mean of moving operating expense to their insurance vendor ) and the insurance seller. Carrington 's insurance monitoring vendor ( likely the one force placed insurance ) was in receipt ( twice from me and once from my insurance agent ) of proof of insurance, yet they claimed the document was invalid because it came through incomplete. I submitted through their document website twice while my insurance agent sent it via Fax. This practice is at worst intentional ( how can both website and fax be bad?? ) and at best grossly negligent. I am pleading with CFPB to investigate this potential pattern of practice putting Carrington customers at harm.
01/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • RI
  • 028XX
Web Older American
In XX/XX/2016 the dept. of Hud had removed my pmi insurance as I reached the 76 % ratio.In XXXX XXXX sent me the hud statement that my pmi insurance was removed and also a statement of my new mortgage amount.It went from XXXX to XXXX.In the middle of XXXX XXXX. sent a notice of mortgage sale and transfer to Carrington mortgage services.I had received no paperwork from Carrington until middle to late XXXX. Since I had no paperwork, I had sent a payment of XXXX in early XXXX as not to be late.In late XXXX.Carrington sends me their mortgage statement with incorrect percentage on the transfer and they wanted the original amount of mortgage which was XXXX without including the pmi reduction.After many calls they refuse to acknowledge this.I have called repeatedly and also at their request faxed them the hud statement and the XXXX statements showing the mortgage reduction and change.After sending this information I still get absolutely nowhere.Now they requested that I write a letter explaining why I want the mortgage to be reduced.I have been right up front trying to resolve this problem but am being totally ignored.My rights have been violated and this transition is totally unprofessional.I as a customer should not have to be even involved .So now they said they have two months to resolve any issues.
12/06/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60120
Web
On XXXX XXXX XXXX I received a letter from my then mortgage company XXXX XXXX XXXX saying as XX/XX/XXXX they will no lnoger be my mortgage servicer that they had sold it in XX/XX/XXXX to Carrington Mortgage Services and as of XX/XX/XXXX all payments should be sent to them. I still have not received a letter or any type of communication from Carrington to let me know they have aquired my mortgage. When I call them the representative told me it could 60 days or longer before we even get assigned a account number and receive any sort of communication from them. The Representative further stated that Carrington had purchased XXXX mortgages from XXXX in this transaction and that the previous month they had purchased XXXX from XXXX and that they where over whelmed and backed up on the transfer of all these mortgages. Carrington is in violation of the law for not even sending me a letter to inform me they had aquired the mortgage and it is well appereant that they can not handle such large purchases of XXXX mortgages in 2 months. The law very clearly states that when mortgages are sold from servicer to another it must not be in anyw ay a burden or problem for the consumer. It is not my fault or problem if Carrington has purchased more mortgages then can possibly handle in any good way for the customer.
09/16/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 344XX
Web Older American, Servicemember
Carrington Mortgage Services notified me in XXXX of this year they had purchased my VA mortgage loan from XXXX XXXX. I immediately sent them notification regarding my insurance company, their address and phone number. I received a letter from Carrington dated XX/XX/XXXX of this year indicating they had not received evidence I had hazard insurance and threatened to buy insurance for my property ( at elevated rates, of course ). When I could not immediately reach my insurance agent I called my insurance company 's home office ( XXXX ) and spoke with a young lady named XXXX who said she would fax them a copy of the Declaration Page that day. At that time I also send a copy of the Declaration Page to Carrington by snail mail as a back up. I reached my local agent, XXXX XXXX XXXX, on or about XX/XX/XXXX. She assured me she would immediately fax Carrington the Declaration Page at the phone number listed in their request letter. On XX/XX/XXXX a review of the status of my insurance policy remained listed as unpaid and Carrington was still requesting the same Declaration Page submitted to them at least three times previous. Today I again submitted for the 4th time the Declaration Page which Carrington refuses to acknowledge. This I submitted the requested documentation through their website.
08/05/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 78681
Web
Carrington Mortgage Services did not follow thru on the HAMP modification that was applied for thru XXXX XXXX. They stated that the 3 month trial period would be as long as 10 months because they were too busy to look at it from acquiring too many loans from XXXX XXXX XXXX. XXXX XXXX XXXX approved a trial HAMP for three month sold the loan to Carrington Mortgage Service before the first payment was received. A good bye letter was received but no welcome letter ever came. Every month required a phone call to Carrington to make the trial modification payments which were XXXX more than the regular monthly payment. Numerous calls to Carrington with poor or inaccurate information have occurred. Carrington ultimately denied the modification due to liens they stated were attached to the property. The liens are not attached to the property and Carrington did not provide accurate information on the phone. Carrington will not apply over 6 months of full payment to the outstanding balance and have cause a determent to credit scores and ability to get out of this situation. Carrington did not try to obtain clear title just stated there was not a clear title. HAMP guidelines require the lender to do everything reasonable and necessary to obtain clear title to approve a HAMP modification. This did not occur.
12/02/2021 Yes
  • Mortgage
  • FHA mortgage
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • AL
  • 35806
Web
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error for the purpose of this section a billing error consist of any of the following ; ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. There was no statement received 21 days before the allege debt was due. This alleged debt is showing as a positive form and amounts owed can only be displayed in a negative format not positive so there should be no late payments on this accounts. I demand to see hard solid proof from the creditors bank account that I did not pay and was marked late because this clearly a billing error. This is a Violation of the Law pursuant 15 USC Code 1666b under Truth and Lending. As a consumer by law this account on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission
11/02/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 46947
Web
On my XXXX mortgage payment to Carrington mortgage services I made a paper check payment in the amount of {$470.00}, which was the full amount due. When I looked at my bank statement I saw the mortgage company withdrew {$1100.00} which was {$700.00} more than I wrote the check for. The mortgage company has refused to refund me the {$700.00} they took from my account without permission and they t have told me every week for 4 weeks that the money is in my account. I have sent them my bank statements showing the money is not in my account and have contacted my credit union to make sure there have been no attempts to put money into my account. The mortgage company is now telling me I am not eligible for a refund and they have n't even applied the {$700.00} to my mortgage account, so it appears they hare just keeping my money. Now any attempts I make to discuss this matter with them over the phone I am put on hold fro 20-30- minutes until I hang up from frustration. This has been a huge financial distress for me and my family as this was an entire week paycheck and has made it difficult to pay my normal bills and buy groceries and gas for the entire month of XXXX because of these missing funds. I made my XXXX payment as requested so obviously the {$700.00} was not applied to my mortgage account.
07/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 757XX
Web
After Carrington Mortgage Services purchased my loan from XXXX, they never notified me and I missed a payment. The next month, after realizing, I went online to make a payment and they would not allow it. They said I had to register with XXXX XXXX and send the $ that way. This did not seem right, so i did n't do it. I then contacted them again and they said I had to pay both months. At the time, we were not able to do that, so they asked me to fill out the loan modification paperwork in order to get that payment rolled back into our mortgage. This started a grueling nightmare project for 6 months of filling out paperwork, faxing XXXX pages at a time and then them continuing to say they never recieved it. I sent all the paperwork, completely XXXX different times, yet they " never received it ''. I called many many many times, trying to get this worked out, only to be put on hold for XXXX minutes, or to be told they needed something else ( that I had already sent ) or even re-telling my entire story becaus eno one had made record of it. For 6 months they let this go on. When I finally got everything in ( or more like they found it ) they processed my loan modification and then came back and said we did n't qualify and our house would go into foerclosure if we did n't pay the full amount due.
04/07/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 35242
Web
The companies involved are Carrington Mortgage Services , LLC, XXXX XXXX and XXXX XXXX Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! Carrington Mortgage 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! This mortgage loan was originated by XXXX XXXX Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. Carrington has been servicing this loan since XX/XX/XXXX.
07/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • UT
  • 84116
Web
I attach all the documents. I was behind on my mortgage in XX/XX/XXXX due to cut on hours on my job. But I got back on my feet and did a settlement with Carrington Mortgage. They take the settlement I did a down of {$3500.00} and making payments to them until they sold the loan to XXXX XXXX XXXX in XX/XX/XXXX. I continue making my payments for {$310.00} until XX/XX/XXXX, because they notify me that they sold back my loan to Carrington Mortgage. I try to make my first payment to Carrington and they not accepted because they told me that I was behind 14 months. XXXX XXXX XXXX provide the evidence that I make payments to them on time until XX/XX/XXXX. Also the amount that I pay to Carrington before they sold it to XXXX XXXX XXXX, my balance was only {$5900.00} but now Carrington refuse to take my payment since XXXX and reporting me late to credit bureaus. I send all the evidence to them and provide evidence of my payments and every time that I call them I have to have 6 transfers, nobody know, that I owed {$12000.00} plus the months behind. That is totally wrong I send all the documents and they told me since XXXX that is on investigation and still not taking my payment. I am very stress that they don't take my payment. They been so mind to me. Please help me to resolve this issue. Please!!
03/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AK
  • 995XX
Web Servicemember
XXXX offered loan modification for Cares Act/COVID-19 Forbearance at the time I applied. At the end of the forbearance, I resumed monthly mortgage payments, per BoAs direction, while the modification agreement was prepared. The deferred mortgage payments totaled approcimtely $ XXXX. When I received the modification, I mailed in the signed forms, with USPS tracking. XXXX claimed to have lost the modification forms. I provided delivery receipts for the signed modifications. XXXX directed I continue mortgage payments while new modifications were being processed. I continued to make all monthly mortgage payments. BoA then sent me a XXXX XXXX XXXX. After some discussion with BoA, I signed and mailed in the second mod. Again, XXXX claimed they did not receive the forms. XXXX then transferred the mortgage to a secondary lender, Carringtons Mortgage Services. I contacted CMS, provided CMS the history of the attempted modification agreements with BoA, and my history on continuous mortgage payments following end of the covid-19 forbearance period. CMS accepted one monthly mortgage payment and confirmed they would research my history with the BoA. CMS then stopped accepting mortgage payments and initiated default on XX/XX/2023. The default lists fees, interest, and expense in excess of $ XXXX.
01/21/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • ID
  • 83687
Web
Over the lasy year I have emailed & called XXXX Mortgage multiple times in regards to my payment history reflecting on my credit report that is severily incorrect. I need immedate assistance in getting this resolved ASAP and my credit report being corrected. I have attached documents for proof of payments etc. My payments have not been 30 days late on the dates listed below, I have attached each email conformation ( as I make my payments online ) reflecting the date the payments were made. And they refuse to respond to me or the credit reporting agency 's I have also disputed these through. See dates below that I have documentation for : XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX If you look at other creditors on my credit report their are NO late payments only XXXX, that's a reflection on them and their processing of payments. All my payments were made before hitting 30 days.
11/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80921
Web Servicemember
To : Carrington Mortgage Dispute Department Date : XX/XX/2023 Fax : XXXX Subject : Written request to remove non-payment reporting to credit agencies From : XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX Loan Number : Removed Dear Carrington Mortgage Dispute Department : It recently came to my attention that my escrow account was continuing to be below funding as of XX/XX/2023. I was not aware of this, and I continued to make my {$3200.00} mortgage payment as I have over the years ( never late for 6 years ). I received notice that my payment was delinquent for the month of XX/XX/2023, which I paid on XX/XX/XXXX. I was then informed by my credit monitoring system that there was a delinquency reported. The reason this happened was that my mortgage payment had gone up by approximately {$44.00} per month which I just learned by calling your customer service. I have since paid any outstanding balance of approximately {$85.00} and would appreciate it if you would remove this notice of non-payment to the credit reporting agencies. This has significantly impacted my credit rating and was not intentional on my part. Please feel free to call me at XXXX or email me at XXXX. I am happy to discuss this in person. Thank you for your understanding and assistance. Sincerely, XXXX XXXX
07/07/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • WA
  • 98374
Web Servicemember
Carrington Mortgage Services , LLC took over our mortgage from XXXX in XX/XX/2022. The account # is XXXX. We made our 1st payment to them XX/XX/2022 online for the regular payment amount. Then I sent in a check for principal only, and put that on the front of the check, for {$1300.00} and sent with their payment voucher and put that amount in the principal only box. They took that payment and treated it like a regular payment. I contacted them XX/XX/2022 when I discovered the mistake and was told it would take 5-7 business days to correct. I sent in our next regular mortgage payment XX/XX/2022 online and they have just put it in a suspense account. This should be been treated as a regular payment. On XX/XX/2022 I sent in a payment of {$700.00} for a shortage of escrow and they did post that correctly. XX/XX/2022 I sent in a payment online for the regular payment amount of {$1200.00} plus additional principal of {$710.00}. I don't know why they posted the regular payment amount to principal. They messed up this payment as well. I am fed up with this company. They are rude, and are misappropriating our money. I am afraid this is going to affect our credit score negatively. This is an absolutely TERRIBLE mortgage company. I have never had such terrible service. PLEASE HELP.
06/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76504
Web Servicemember
Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to XXXX, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.
12/17/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • TX
  • 75052
Web
The purpose of this letter is to formally notify Carrington Mortgage Services ( CMS ) that the hazard insurance premium payment was incorrectly calculated at the time of determining my qualifying modified total ( PITI ) mortgage payment. This results in me actually having to pay {$200.00} more than the determined qualifying payment amount. CMS has the annual insurance premium amount incorrect on their documents. CMS incorrectly calculated an annual hazard insurance premium based on half of the actual premium amount ( {$1400.00} ) when the total annual premium is actually {$3400.00}. CMS used the 1/2 premium mid year amount and divided by 12 months, versus the actual annual premium amount. CMS determined my total PITI modified payment to be {$1700.00} based on this incorrect figure. Using the correct insurance payment of {$290.00}, as identified in the insurance billing and the modification request package, would result in a lower P & I payment to be equivalent to the {$1700.00} PITI payment. I am requesting the P & I payment be reduced to reflect the correct PITI amount of {$1700.00} as agreed, with the correct hazard insurance payment amount. Not doing so will result in my escrows being insufficient and resulting in me paying a much higher mortgage payment that I can not afford.
09/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07036
Web
In XX/XX/XXXX I was given a forbearance that was to take effect for 14 months. On month XXXX ( XX/XX/XXXX ) my forbearance was extended through XXXX and the home was sold in XXXX, however my credit report shows 180 days late for the month of XXXX and Foreclosure for the month of XXXX. Carrington Mortgage sent " adjusters '' to my home on multiple occasions in which they stood outside my home taking photos, even though the home was in forbearance and sold only 1 month after the forbearance was compete. Carrington was made aware of the sale of the home as I myself and the title company contacted them for pay off quotes.My current credit report status reads " 180 day or more than 4 months late '' rather than Paid in Full- {$0.00} balance. I believe the reporting is inaccurate because if I was in a forbearance through XXXX and sold the house in XXXX the reporting should have no lates for the month of XXXX or XXXX, furthermore I have sent several requests to Carrington requesting this information be updated correctly to no avail. I am currently without a home ( we sold the home in question ) and unable to purchase or even rent another due to the status reporting for the previous loan. I am a family of 4 and a dog and feel this is unfair and as a result I am distressed and misplaced.
03/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85351
Web
I use the Carrington 's website to pay my mortgage and do so monthly for quite some time. The 1st time I used the website, it auto saved my bank acct # and routing # which helped so I never had to fill out that information for subsequent payments. However in XXXX I ran into problems with Carrington which they have been unable to resolve to my liking. The XXXX payment which was due on the 1st, with 15 day grace was made my me, online on the XXXX of XXXX. I received a confirmation #, like all other past payments I made and thought that was that! However, on the XXXX of XXXX I received a letter from Carrington saying they never received payment, so I logged in again, went thru the same process, received another confirmation # and felt again, it would be fine. Boy, was I wrong, it ended up NOT working again and I had to find a payment location and they finally accepted my payment on XX/XX/2018, which made it 30 days late and they reported to the credit bureaus to my disliking! I've never been 30 days late on anything, never a stain on my credit in over 50 years and I am very disappointed in Carrington as it also has messed up my potential re-finance causing the rate to go up on me if I pursue. I need your help in finding a resoluton as Carrington said they did nothing wrong by me.
03/25/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 95355
Web Older American
I am a XXXX year old female, retired. Due to decreased income and health concerns, it became increasingly difficult for me to make my mortgage payments. After almost two years of applying and re-applying with XXXX XXXX XXXX, I entered a trial modification period and received my permanent loan modification documents in XX/XX/XXXX My loan was purchased by Carrington Mortgage company, and I began making regular payments to them from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I received a Foreclosure Intent letter from Carrington. I was informed that I do not qualify for a HAMP loan modification. I was told that I could re-apply for a non-HAMP modification. I can not begin to tell you the stress that this has caused me. It has affected my XXXX health. I feel like I have gotten the run-around and do not trust anyone at this point. My mortgage payments for the past 9 months have been drafted from my checking account, but they have NOT been applied to my mortgage. This is disconcerting. In addition, I am continuing to accrue late fees and penalties on my mortgage balance. I am unclear as to my rights at this point. I am worried that I will lose my " dream '' home that I built and had planned on staying in until my passing. I am hoping that you can help me. Sincerely, Concerned Homeowner
03/25/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NC
  • 28306
Web Servicemember
In XXXX I was approved by Carrington Mortgage for mortgage assistance. I was required to make three trial payments. I did so on time. I was asked to make an additional trial payment, and I did as requested. After making the fourth payment, Carrington rescinded their approval stating that I needed my ex-husband 's signature. The company all the required documentation they had requested. They had the divorce decree and the Quit Claim Deed. My ex-husband was nowhere to be found. He had voluntarily left the house over a year ago. I have the money to make the house payments. It doesn't make sense why this is happening. Now my house is in foreclosure because the mortgage company will not accept my request for mortgage assistance again. I'm about to lose a home that I have worked hard to keep. I am XXXX from college in XXXX and have had outstanding job offers. I want to pay for my house, but the mortgage company has done everything to block that. They did not call me with their plans to foreclose the home even though I requested they call or email when they have issues they wish to discuss with me. I always have to call them to find out what happens next. Now it seems like their tactics to take the home has finally worked. My house is scheduled for foreclosure on XXXX XX/XX/XXXX.
07/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • XXXXX
Web Older American
I am being harassed by Carrington loss department about the check for my repairs. The bankruptcy has even verified that they are supposed to sign the check and mail it back to me to sign and cash. But I am being harassed by this XXXX and she disconnects the call during business hours and refuses to speak with me. I am being harassed and abused by them for no reason. Because I am a single female who is XXXX XXXX XXXX. This one employee has even listened to the phone call I made on XX/XX/2021. When the woman I spoke to telling me to overnight it for them to sign the check and mail it back to me. I will not sign it for them to do whatever they want to with the money. I have been duped before. This is another form of harassment and XXXX I am facing from Carrington. This male XXXX called me telling me the same thing more of the same thing because this XXXX who mailed the check back is being unprofessional refusing to talk to me. I have been done this way many times before. This will cost them more than just {$13000.00} they refuse to let me have it will be in the millions where I read online about other people in similar situations. XXXX isn't going to XXXX no male to jump on me either. or sick some male on me to abuse me. XXXX is not ordering me around telling me what to do.
11/21/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 925XX
Web
In XX/XX/XXXX after federal Government agencies investigated XXXX XXXX XXXX use of the XX/XX/XXXX-XX/XX/XXXX TARP Money, XXXX XXXX XXXX, finally modified my home loan. I believed the loan to have certain guide lines that may have been violated during the transfer. Including and not limited to deferred balance forgiveness of the amount of XXXX and a fixed interest rate after seven years. XXXX XXXX XXXX sold my modified loan to Carrington on XX/XX/XXXX which is the 7 year mark. Carrington sent me a mortgage statements due on XX/XX/XXXX for XXXX with a fix interest of XXXX. 20 day later they send another statement for the XX/XX/XXXX for XXXX with a variable rate of XXXX. I am confusing and now I have two mortgage payments to make when I was previously stated one. See attached original statement. This is going to cause a hardship. Such practices needs to be audited to ensure consumer protection. Also Carrington failed to send a letter 15 days prior to the transferance of the loan. I want the public and banks to be aware that XXXX XXXX XXXX may be dumping modified loans in an attempt to not fulfill promise to the public. As i am suspicious that my loan was sold the very day that my loan was supposed to be a fix rate and that the deferred debt forgiveness did not take place.
05/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 610XX
Web
Carrington stated that if I made a partial payment to come up with a full payment, the entire amount would be applied as a payment. This is stated on my loan statement. Instead, they put the part of the payment as a principle curtailment ( in contrary to what the statement said ) and now is showing a late payment and late charges. I was told months ago that it would be corrected within XXXX hours when I called and spoke with customer service. Each time I make a payment, they are showing it as the previous months payment and continuing to send me late payment notices, charge late payments and threaten foreclosure. On my XXXX Statement, I had a {$1100.00} Partial Payment ( unapplied ) XX/XX/17 Statement, still there. Between the XXXX and XXXX payment, I paid an additional $ XXXX to make it a full payment, per the *partial payment language on my statement! and the $ XXXX just disappeared. I called and was told they'd fix it to be XXXX full payment applied. Now they managed to eat up all my {$380.00} in fees, put me 30 days behind and keep charging other fees. This disappeared on my XXXX and XXXX statement but showed back up in XXXX to be used for fees! At this point, I should be paid in full through the end of XXXX and my XXXX payment being due XXXX. Thank you.
01/24/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 79912
Web
I have been affected by the Covid crises since XX/XX/2020. Have been on unpaid FMLA since XX/XX/2020. Because of being at XX/XX/XXXX due toXX/XX/XXXXconditions. And having to care for my children since schools have been closed. And both my children suffer from XX/XX/XXXXand XX/XX/XXXX conditions. And orders from XXXX that my children must have 24/7 supervision. I am aXX/XX/XXXX With full custody and no one else to care for them. I have all documentation from doctors and all FMLA documents. I have told the mortgage company I wanted to save our home and needed a modification under the cares act. And because I had no way of coming up with money for the modification process which they were asking for {$1200.00} dollars. I never heard back from anyone. And instead of helping they started foreclosure proceedings. I am currently in chapter XXXX, and the trustee has received documents from my employer that I have been on Unpaid FMLA. My attorney has said the mortgage company must perform a loan modification under the cares act. And that the chapter XXXX trustee has advised to call the mortgage company again for modification. Since my case through the courts are on hold until I can get back to work. And the crisis is over. Any assistance in this case is much appreciated. Thank you.
04/09/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MN
  • 55337
Web
My loan was recently sold from XXXX to Carrington Mortgage Services , LLC . The first time I paid my loan with Carrington, I paid over the phone and was charged a {$10.00} processing fee. I did not talk to a human. The transaction was 100 % automated. I paid with my checking account information. This month, I paid on-line thinking I would avoid the {$10.00} fee. Carrington charges a {$5.00} processing fee to make an on-line payment. Again, no human contact. I entered all the information. I called customer service and asked about fee free options. I was told to I could mail my payment ( who DOES this ) or get set up on an auto pay. In doing the math, if using the internet to make a payment, this company will make an additional {$1800.00} over the course of a 30 year mortgage to TAKE MY MONEY. If a person were to pay via phone, that amount doubles to {$3600.00}. To TAKE MONEY. How can processing an automated payment be more labor or cost intensive than a physical check? This is an additional money grab and I would like to know if this is a legal practice. This company has a mailing address in Illinois. I live in Minnesota. I did not choose this mortgage company. Thank you for your help. Please cite the law where this is legal. I would like to look at the statute.
09/14/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • AZ
  • 85213
Web Servicemember
On XXXX XXXX and XX/XX/2023 Carrington mortgage returned two principal only payment and monthly loan payments to my bank account. No explanation or reason why the loan payments have been returned. After calling the company multiple times I was told by Carrington that my bank account did not have sufficient funds in account. I would now have to go to XXXX XXXX for the next six months to make mortgage payments. After speaking with my financial intuition I was able to find out that with no notification to my self the consumer the Carrington no longer accepts EFT bill pay from any financial intuition. I also inquired as to why my principle only payments are only applied to the principle at the first of the month and was given a reason that unless someone manual process the payment the funds will not be applied to the first of each month. So for the last two years all of my principle only payments sit in limbo until the next month to apply to the principle after the interest has been applied. This company is very unnautical and I was disconnected multiple times and had to spend most of the day waiting for response from the company. I still don't even know if my mortgage has been paid this month. Even though I have paid thousands extra each month to what I though was principle.
01/29/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 10950
Web
Our mortgage was transferred by XXXX XXXX XXXX to Carrington Mortgage in XXXX of 2015. It has been a nightmare ever since. First of all, our payments went up {$100.00} because of an " escrow cushion '' they charge. I have never heard of such a thing before. Second and most important, they were calling us nonstop to sell us on an FHA Streamline program. After much persistence we agreed. We agreed under the terms that our loan would be closed in a few weeks. We were also told that we would get a month off from paying. Well it has been almost two months later, and nothing except a headache. We had to make our payment in XX/XX/XXXX, which we were told we would n't have to do. We had to make the payment to avoid any late fees. They kept sending us loan disclosure after loan disclosure to sign. We did this all under the notion that it would be saving us money. Now, the rates have gone up while we could have used another bank to refinance. This has actually cost us money! The loan closing officer kept telling us different stories as to why this process was taking so long. He even told us that the county was lying to us! I have never felt so taken advantage of in my life. Now, we are n't using them and we still have this high payments particularly due to this " escrow cushion ''.
09/16/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11701
Web
The family has had extreme hardship including the XXXX of a very young son and numerous illnesses. The attorney that was mentioned before collected the mortgage payments from the family for almost 5 years with the promise that he would get them a cheaper mortgage payment and save their home from foreclosure or any other negative situation. We paid him {$1500.00} to start and then he requested {$1900.00} our mortgage payment each month for five years. Each time he assured us that he was working with the bank and we were going to be very pleased with the results. In XX/XX/XXXX he came to our home picked up the mortgage payment that we thought he was paying to the bank. We called him and there was no answer. He disappeared with no way to contact him. WE reported him to the DA nothing happened we paid him all of the payments we thought were going to the bank. When we contacted the bank they refused to work with us.A friend recommended women to us who we paid {$5500.00}. to help us and still nothing. We have monies saved to pay a sizable down payment and payments to be considered for a loan workout..Please help us save our home. We are now working with a not for profit and we are not getting good help from Carrington Mortgage. At this point they are not giving us much hope.
07/09/2017 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30534
Web
With illnesses and family things My family has been experiencing a financial hard ship since beginning of the year. Missed a payment due XX/XX/XXXX that I did pay and make current on XX/XX/XXXX. My family is trying to refinance to pay off debt bills and get us out of this situation I spoke with Carrington in XX/XX/XXXX and they were very helpful explained that I needed to write a letter and fax back they would have it removed the lady was very promising and gave me such relief. So we immediately faxed in the letter they then notified me by mail to fax in a second copy signed which we did as well two days later and now it 's XX/XX/XXXX I 've never heard anything backed so I called them yesterday and they said they never received the 2nd fax. Which we have fax confirmation it was received. Did n't give me any information on what to do next and she was very rude and told me I should ask my husband why the payment was late and if it was his fault. I 've been a homeowner for 9 years and have just this one 30 day past due notation out of 9 years of payments keeping me from being able to move forward with my refinance to be able to fix the financial strain my family is experiencing. I just want them to honor what they told me initially in writing and sending them the letter.
08/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89117
Web
Carrington failed to post my XXXX payment of {$5000.00} sent via check in mail. Assessed late charge and now will credit report late. The timing of the failure is suspiciously coincidental as there is currently an outstanding request for CFPB investigation for Carrington 's pattern of practice on force placed insurance. I have over 20+ mortgages over 24 years and have never missed a mortgage payment or lapsed in hazard insurance. Since my mortgage was sold to Carrington, my proof of insurance have mysteriously gone missing ( resulting in very expensive force placed insurance ) and now a payment is missing ( resulting in late fee and derogatory credit report ). I tried to request credit reporting suppression until this matter is resolved with their customer service. However, Carrington refused. Claiming only way is to send a fax ( my call was recorded, please request from Carrington & listen ) or mail. Why is Carrington offer electronic communications ( such as statements ) when it is cost effective and convenient for Carrington but make dispute submission extremely difficult? Attached is a copy of letter sent to Carrington for credit dispute for record given the strong track record of Carrington losing customer submissions when it is to the interest of Carrington.
06/01/2022 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • XXXXX
Web
XXXX XXXX XXXX XXXX XXXX XXXX and Carrington Mortgage Services LLC have illegally taken possession of my home and are currently trying to sell it. XX/XX/2022, they were aided by XXXX XXXX XXXX operating under the color of law, in ousting us from our home -- without a legally valid court order. By XX/XX/2022, XXXX XXXX had the locks illegally changed. They somehow acquired a void mortgage from XXXX. When XXXX ( XXXX ) created this mortgage, it was found to have violated the federal False Claims Act and State Consumer Protection law by our US Government. This resulted in heavy fines and lawsuits against XXXX and its related entities. I previously complained about XXXX 's role in Complaint ID : XXXX. Although a series of foreclosure related eviction suits were filed in the name of one of XXXX XXXX voided out businesses ( and later, a transfer agent company ), they denied any connection to the harassing suits. The transfer agent pointed to Carrington Mortgage Services LLC ( See the Response attached ). I filed an FHA complaint in federal court XX/XX/2022. A case status is set for XX/XX/2022 at XXXX am. But XXXX XXXX and Carrington are now moving fast to illegally sell my property. Just this XX/XX/2022, they are illegally removing my personal belongings from the property.
02/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 70363
Web
I was told by representatives of Carrington Mortgage Company not to pay my monthly payments while the modification was pending. This process took over a year before I was informed a modification was not possible and I would need to pay the full amount due. During this time I applied for and was approved for a program through the LACOVID Housing, Louisiana Homeowner Assistance Fund. This program agreed to pay my back mortgage to make my account current, up to {$25000.00}. Carrington Mortgage intentionally submitted an incorrect XXXX Report, which misrepresented the amount I actually owed. I made a payment to bring my account in line with the requirements through LACOVID Housing guidelines. For over a month Carrington Mortgage company has refused to provide the XXXX Record indicating the amount I currently owe to LACOVID Hosuing and instead sent me a letter, Intent to Foreclose. My account could be current Carrington Mortgage would simply submit the report. During all of my many phone calls, representatives indicate they are unaware of the program or the need for the XXXX record. I believe that Carrington is intentionally not submitting the XXXX record in an effort to ensure that my account balance is above the limit for payment by the LACOVID Housing program.
03/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • XXXXX
Web
CMS did not address inaccurate credit reporting. I do not have an open mortgage account with Carrington Mortgage Services as of XXXX The account last activity is not XX/XX/XXXX but XX/XX/XXXX. The account does not have a past due amount but has a XXXX balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX, and Paid Off/Closed XX/XX/XXXX. However, CMS did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information since XX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several CMS representatives on several occasions. One CMS representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX, XXXX, and XXXX. The company failed to resolve.
05/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08060
Web
My loan was transferred to Carrington Mortgage ( previously with XXXX ) on XX/XX/XXXX. I was unable to access their online payment system and app initially ( I was told it needed time to be set up since the account was coded for bankruptcy, and that I was covered under RESPA for 60 days ). Not waiting any longer, I ended up calling them in early XXXX and made the XXXX and XXXX payments through a phone agent. I paid {$2000.00} for both XXXX and XXXX, even though the payment dropped to {$1900.00} in XXXX ( Carrington said their system wasnt reflecting the change yet ). They ended up putting the {$41.00} I overpaid in another recoverable bucket. They are pursuing me for fees through the Bankrutpcy that were already paid through the Trustee. Their most recent statement doesnt even reflect what they are attempting to recover, its just lumped into the payments. I paid {$1900.00} on XX/XX/29 to be joined with the {$41.00} overage I paid previously to satisfy XXXX payment. I should only be due for XXXX and only owe {$1900.00}. I also applied for an escrow shortage spread but have been given conflicting information on that as well. I attempted to contact their office of the president, but they do not have one. They just keep sending me back to the bankruptcy department.
05/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20743
Web
I applied for a modification in 2019 with my mortgage company. I received a letter from the mortgage company in XX/XX/2019 stating that the modification documents were received and being processed one week later the mortgage company put the house into foreclosure and all payments after then sent by me to the mortgage company were returned to me. I signed up with XXXX and explained I was doing a loan modification XXXX works with my mortgage company and was helping to process the modification. XXXX promptly submitted all required documents. We waited to receive a response from my mortgage company. During this time I didn't make any other payments as they were previously being returned to me. I went to XXXX XXXX XXXX Maryland courts in XX/XX/2019 and let the Judge know I was working with XXXX to remedy the situation and was granted the ability to stay in the home while working with XXXX to save my home. The mortgage company was present. We filed several loan modification applications as well as reached out for status to no avail. I was purposely ignored or simply looked over during this process. No one gave any other information besides court filings, letters, and multiple scare tactics sent by the mortgage company and trustees assigned even after the court hearing.
10/08/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AR
  • 723XX
Web Servicemember
Checking my credit report XXXX Carrington Mortgage Company has place that I have filed bankruptcy. I have explained to these Credit Bureaus that I have not filed bankruptcy however they continue to come back after I dispute it saying that Carrington Mortgage will not remove it. I have called them and they are not fixing. My second issue is, XX/XX/XXXX 2015 I asked what the balance of my escrow account. The rep told me the balance for this year was {$1100.00}. I gave her my credit card number and asked her to pay my escrow in full, which should decrease my monthly payment to {$770.00} which is the interest and principle. The next month my statement showed a credit that was applied to my payments instead of the escrow account. I called and spoke to a rep and explained the situation over again. They said they would investigate it. I did not pay them for XX/XX/XXXX 2015 the month that they showed the payment for because I was pending the result from the investigation. In XX/XX/XXXX 2015, two months later, they finally reversed the payment and put the {$1100.00} towards my escrow. When they did that I they began to show my account late and charge me late fees and my payment remained the same, actually going up to {$890.00} from {$870.00} when my account was at XXXX.
09/17/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33009
Web
I had a Home Mortgage with XXXX XXXX XXXX and became delinquent due to loss of income and my divorce. I was working with XXXX XXXX XXXX until my loan was transferred and they refused to continue the conversations and referred my to the new Servicer, Carrington Loans. They gave my numbers to contact Carrington XXXX. I have attempted many times and Carrington says they do not have my loan. I have not received a. loan transfer letter or anything in writing to advise me of my new loan # or their contact information and when I call Carrington Mortgage they say they do not have my loan. I am now in foreclosure with a sale date. I have not had appropriate communication from Carrington nor been offered HAMP or other options to allow me to explore those options. Last call made XXXX/XXXX/2015 at XXXX XXXX ( EST ) and they again stated they could not find my loan and then transferred my to their loan resolution department where I was disconnected. This is one of many times since I received foreclosure notification that I have attempted to contact Carrington and always wait and wait and get disconnected. I DO NOT HAVE NOR HAVE EVER RECEIVED MY CARRIINGTON LOAN # and they continually refer name back to XXXX XXXX XXXX who states they service transferred the loan in 2013.
12/31/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 216XX
Web
I signed a modification agreement that was approved back in XX/XX/2019 for 3 trial payments of XXXX. Those trial payments were made, and I was approved for the modification in XX/XX/2019 and the payment was XXXX. I signed that agreement and sent it back agreeing to pay XXXX. Here we are 4 months later, and my mortgage was raised to XXXX. Right back where I started. When calling Carrington Mortgage customer service, I was told because my taxes went up. In researching my tax bill in reality, my tax bill only went up XXXX for the year. The total taxes for the year are XXXX, they have them on my escrow account as being XXXX. I called Carrington Mortgage back to speak with the tax department. They were un-certain why my mortgage went up XXXX and could not explain it. I would like to know why this tax bill was not included in my modification. The tax bill was released in XX/XX/2019, while I was going through my modification trial payments. This amount should have been calculated in the final documents in XX/XX/2019. I would have never agreed to pay XXXX for a mortgage payment, I CAN NOT AFORD IT! Carrington Mortgage needs to refigure the mortgage payment to reflect the correct amount and not some amount they come up with out of their heads to make extra money.
02/03/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92119
Web
In late XXXX, my mortgage was unilaterally sold by XXXX XXXX XXXX to Carrington Mortgage Services. I received a bill for my payment due in XXXX XXXX. Today is XXXX XXXX, XXXX and I have not received a XXXX bill. I called Carrington to ask why. They said that its because there is a bankruptcy " on my account '' and I have to write them a letter requesting to get bills before they can send. The bankruptcy was my wife 's ( she 's on the loan, too ) and was from XXXX. We 've never missed or been late on a mortgage payment in over 5 years. So, let me get this straight? I was paying my bills on time and XXXX bank sold my loan to another bank without my consent. And now, if I want to receive a bill to know what 's going on with my loan, I have to write a letter? That 's ridiculous. Carrington 's supervisor told me that the bankruptcy law had changed and this was required, but when I asked for a citation she could not provide XXXX. So, I asked her to send me a request in writing stating that to get bills I would have to write a letter due to the law requiring it. She refused. This was " XXXX, '' a supervisor. I do n't know what this is about but I 've been doing research and can not find any law requiring such a letter. I just want to get a bill so I can pay it.
01/03/2019 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • NC
  • 283XX
Web Servicemember
On XX/XX/2018 Carrington Mortgages LLC approved me for a Mortgage Loan. My loan manager XXXX XXXX pre approved me for over XXXX dollars. I closed on a home on XX/XX/2018. My closing date was scheduled but it was changed four times due to inconsistencies of processing my loan application and mismanagement issues with the underwriters. I had three underwriters in the course of four month reviewing my loan. My closing dates changed four times. In fact, I was led to believe I was approved so I had an earnest money of XXXX XXXX dollars.deposit which I want in return for this issues and my loan manager not being transparent with me upfront that I wasted my time and money going through this burden past four months. My realtor told me that Carrington Mortgage LLC was going to return my deposit, I have not received it that's why I am writing this complaint I did not appreciate my loan manager speaking directly to my Realtor in reference to my loan and my medical conditions with the VA. During a conference call with the VA , my loan manager stated that I will not get a mortgage loan with another company due to what's in his credit report. I found this unprofessional and I was offended by this. This is unfair business practice and a violation of my privacy.
02/07/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 608XX
Web Servicemember
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services with an effective transfer date of XX/XX/XXXX. Today is XX/XX/XXXX. I contacted Carrington to obtain my loan number so I could make a payment and get some information regarding my escrow and advise them on my upcoming due property tax payment. Carrington was unable to retrieve my loan number. In their words, they could not see my loan because it hasn't been transferred over and hadn't yet been onboarded. When I asked for additional information regarding the delay, I was told that they had XXXX accounts transfer over from XXXX XXXX XXXX. When I asked the estimated date that my account would be visible so I can make a payment, their response was simply, " It's hard to say. '' According to the " good bye letter '' from XXXX XXXX XXXX, I should have heard from Carrington no later that 15 days prior to the transfer date. I have yet to hear from Carrington. I tried calling XXXX XXXX XXXX, who would not provide me with any information because they no longer own my mortgage and state they can not access my information any longer. Carrington Mortgage Services now owns my loan. Regardless of any logistical mishaps in the transfer process, someone should be able to access my information.
06/19/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07719
Web Servicemember
In XXXX an automatic payment was changed but continued to be drafted from the other account so payment was declined. I did make an automatic payment online. I called Carrington in XXXX during the grace period because I was no longer able to access the online payment portal. They informed me due to the returned payment I could no longer submit the payments online and they were not sure at that time if the automatic draft would be processed. One person I talked to said it was no longer active, someone else said it might still come out. I had no way to access this online to confirm it. The payment did automatically draft in XXXX. I called again and they assured me automatic draft is no longer active and said I must use certified funds such as cashiers check money order or XXXXXXXX XXXX. My bank sent a bill pay check but the check was returned and the auto draft still came out of the bank. In XXXX the bank check was returned and my mortgage is now late because they dont consider a bill pay check directly from the bank certified funds. So basically the only payment they are accepting is ones with additional fees attached. It is my opinion because they are considered a debt collecter that they are deliberately hindering my ability to make timely payments.
05/29/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NY
  • 119XX
Web
On XXXX XXXX, 2015, we were notified by XXXX XXXX XXXX that after their escrow review our mortgage payment would be decreased from {$2200.00} to {$2000.00} as of XXXX XXXX, 2015. In XXXX, our mortgage was transferred to Carrington Mortgage Services. After not receiving any documents on how to pay your company starting XXXX XXXX, 2015, I called customer service and found out that we would still have to pay the amount of {$2200.00} until a new escrow analysis was run and was told that would take approximately XXXX days. I called today, XXXX XXXX, and was told that the the analysis was completed but our payment would be increased to {$2200.00}. I was told that I would receive the documents in the mail explaining why but wish to address this now. Based on my current tax and homeowner 's insurance bills plus the MIP payment, our escrow payment should be {$790.00} a month, which is less than the {$790.00} XXXX XXXX XXXX calculated in XXXX. I have included with this fax copies of our current insurance and tax bills plus the escrow report run by XXXX XXXX XXXX to show how I calculated these amounts. I would like an additional analysis run on our account with the correct information and for us to pay the correct lower amount as told to us by XXXX XXXX XXXX.
06/17/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MT
  • XXXXX
Web
We closed on our house XXXX XXXX, 2016 and the XXXX house was paid off. Our last statement from Carrington mortgage stated that we had an escrow balance of {$1300.00}. We just received our escrow release check for {$770.00}. We called Carrington to see why we did n't receive our full escrow amount and they stated that they paid the property taxes on XXXX XXXX. Our taxes were {$1000.00} so that does n't make any sense if you do the math. I called the county to confirm and they said they only received one payment for the taxes, which was from XXXX at closing, so Carrington mortgage did not pay our taxes. There was nothing else due in XXXX to come out of our escrow, only the taxes. I have attached the receipt from the county to prove that only XXXX paid, our last mortgage statement showing the last escrow balance before paying off the loan, our refund check, and the annual escrow disclosure statement to show that nothing else was due from our escrow account. When I contacted them to get a resolution they said that I would have to reach out to the Carrington research department. I did fax them over all the same info. We want the remaining balance of our escrow back of {$550.00} and were depending on that full amount of the escrow money. Please help us!
08/22/2023 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60620
Web Servicemember
I have diligently attempted to work with customer service and the Escrow Department since XXXX of 2023, in an attempt to remedy predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXX XXXX Dollars ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, Twenty-Eight Dollars and Ten Cents ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me and is in a current status. Therefore, I am requesting the following remedies for my pain and suffering : ( 1 ). Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, 028.10 ) ; and ( 2 ) Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ;
05/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NH
  • 030XX
Web Older American
Carrington Mortgage Service, L.L.C sent me their payoff statement listing several items including one item listed as " other unpaid expenses '' for {$5100.00}, which was included in the total amount of {$260000.00}, that was sent to Carrington. I am trying to find out just what was included in this lump misc. figure listed above, with no success. I have telephoned Carrington and also faxed them a written request for this information, all to no avail. I have also contacted the new XXXX holder senior widow neighbor that I have known for some time ( she offered to buy this mortgage from Carrington, which she did, in XXXX of 2021 ). Also, I contacted her local attorney - 3 times plus 1 personal visit, along with requesting this answer from the attorney that handled my side of this transaction. No one seems to know the answer. The new XXXX lady told me, via email, that she has no idea as to what this figure consists of. She went on to say that it was unlikely that her attorney would know the answer to this question. She followed up by stating,, and I quote : " The closing agent simply pays the payoff amount requested by the mortgage company '' end quote, with a suggestion that I contact my attorney that handled my part of this original transaction.
11/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 98407
Web Older American
The agent, XXXX XXXX, in dealing with my refinance had greed and confirmed with me several times over, that if I came to closing with {$1700.00} on XXXX XXXX, 2016, I would be able to skip the XXXX XXXX, 2016 payment. I came to closing with the amount requested. I received a statement for the XXXX mortgage payment due. I was also told each time we spoke the conversation may be recorded. I spoke with a supervisor, XXXX to try to get this changed or compensation for this. I was told it was too bad because the loan was closed. I had counted on this {$1800.00} to make an imperative repair on my home. The work was done in XXXX and {$2000.00} due on XXXX XXXX. I would request Carrington postpone this payment to the end of the loan, in order to make good on the verbal agreement that XXXX XXXX made. It seems to me that since he is and inside loan officer, he should know, beyond a shadow of a doubt, when the first payment is due. As an agent of Carrington, the management should backup the verbal agreement made by this agent. I feel this is a customer service issue and financial bind I have been put in, is unreasonable. The extremely tight budget that I am on to make good on this debt for the critical repair on my home, is causing me extreme distress XXXX.
02/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • SC
  • 29732
Web
I am trying to find a contact to obtain a copy of the Assignment of mortgage from the original lender to you or a satisfaction of mortgage for the lien that is in 1st position instead of the current lien. I am in the process of selling my home and the title search shows that my refinance with XXXX in XXXX of XXXX is in second lien position to the original mortgage obtained in XXXX. The company I originally financed with in XXXX was XXXX XXXX and they are no longer in business. My loan was then sold to XXXX XXXX, then it sold to XXXX XXXX XXXX. The loan is currently being serviced by Carrington Mortgage. I am in the process of selling my home and the title search has shown that this title problem as it is still showing that the original loan in XXXX is still on the county records and there is no assignment of mortgage or a Satisfaction of mortgage filed from XXXX XXXX to o XXXX. I have been working with the Servicer Carrington Mortgage to get this corrected however they are stating they have no records connecting XXXX XXXX to XXXX. However they were somehow able to obtain a satisfaction of mortgage on the 1st lien that was from the original loan in XXXX for a much smaller amount. I have been working on this issue for weeks with no resolution.
01/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 326XX
Web Older American, Servicemember
Re : Carrington Mortgage XXXX XXXX In XXXX, my wife and I were notified by Carrington that we could participate in a forbearance offer due to COVId. We decided to participate and did so for a period of three months. At the end of that time, we found out that Carrington, without informing us, had reported us to the three credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. Carrington never told us of the limited time of the forbearance, three months, nor that we would be required to make a 2 or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of Carrington to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by Carrington removed from the 3 credit reporting agency reports under our names as at the time we were in the agreed upon forbearance offered by Carrington. I have reached out to Carrington as late as last month with no resolution of this issue. Thank you. XXXX XXXX, XXXX XXXX XXXX
05/22/2017 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 76016
Web
Carrington contacted me to refinance my loan with them and I agreed, they pulled my payment history with them and approved the refinance, I submitted everything and was told we would close before the end of XX/XX/XXXX. Meanwhile, they had held my XX/XX/XXXX payment which was made on the XX/XX/XXXX for {$1000.00} and put it in an " unapplied category '' and did n't tell me my payment had went up {$52.00} for escrow.. Carrington said they notified me by mail but I never recieved anything.. So they showed I did not make my payment. They have since reported this to the credit bureau that I was over 30 days late with my payment ( dropped my excellent standing to below average ) and have since disqualified the refinance because of a late payment. I have the printouts from my bank that I have paid my loan every month for the 10 years I have had it. Even their website shows the payment but not applied to anything. My original mortgage was with XXXX and they sold a block of notes to Carrington a few years ago. They treat people terribly, like criminals trying to collect money. They results of theire actions have been very detrimental and I think criminal. I have worked hard to have my credit rating and they have abused the power they have. XXXX XXXX
07/31/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30135
Web
My mortgage account # is XXXX. There is a pending foreclosure sale date of XX/XX/XXXX and I never received notification of a sale date. I have not been able to reach anyone on the phone regarding it. There are several payments made on my account. Some made by me and others I am not sure. It was proven back in XXXX when XXXX XXXX XXXX/Carrington Mortgage requested Relief from the automatic stay and was denied due to bad record keeping. No one could explain these payments nor has the mortgage company updated the balance to reflect the payments made on the account while I was making payments during my XXXX XXXX bankruptcy. I was told the balance would be corrected once the bankruptcy was complete. We were unable to keep making the bankruptcy payments and unsure if the payments were ever corrected. We were denied under XXXX and the mortgage company fast tracked a modification raising both the interest rate and the monthly mortgage payment. Unfortunately, I am illiterate when it comes to the legal jargon placed in front of to sign when I am desperate not to be placed on the street with a XXXX husband and XXXX children under XXXX. I have all of my documents. Even those from which I believe to be prior fraudulent loan modifications I signed for.
12/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OK
  • 746XX
Web
My mortgage was sold to Carrington Mortgage Services LLC. My complaint is that I sent them a check for {$2000.00} along with a pay stub that was marked " for principal only '' on XX/XX/2021. On the check was written for principal only. In XXXX, I got a statement that only applied {$1000.00} to the principal. And they divided that {$2000.00} in 4 monthly payments and still deducted for interest and escrow. How is that legal? I wrote them, talked on the phone with them twice. I sent the copy of the check that they cashed and the copy of the statement that they sent me. They said that they had that fixed and refunded my XXXX payment and used part of the principal money to pay {$400.00} to the principal only. The principal balance in XXXX statement was {$19000.00}. In XXXX statement the principal balance was {$18000.00}. By my count, the principal balance should have been {$17000.00} after applying {$2000.00} to the principal. I have copies of the letter, the check and their statements to prove what happened. When we talked on the phone, the representative told me that it had been fixed. I do not believe it was fixed properly and they just stole that money that we used to try to get our payments lowered and work on paying off the house.
03/08/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77083
Web Servicemember
I applied for mortgage assistance/loan modification on XX/XX/XXXX Through Carrington Mortgage Services LLC. Each time I was told that I was missing paperwork or that my loan was in underwriting. I was also told not to make any mortgage payments or my mortgage assistance/loan modification would not qualify for help. I contacted the mortgage company weekly to biweekly for a follow up. not only for my modification but also for the insurance checks that I sent to be signed to pay the contactors who completed work on my house from Hurricane Harvey. Each time I called to see when the checks would be sent I was told that I was missing paperwork for the contractors o myself. Each time I sent the same documents. Now we are in the month of XX/XX/XXXX in which I called yet again to see if my modification was complete. I was told yes that I was denied because I have a low interstate. I never received a letter saying I was denied then on Saturday XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying that my house is going to be foreclosed in the next 30 days if I did not make a payment in full. Then I asked about the insurance checks to pay the contractors and I was told that I would not receive those until XX/XX/XXXX in in three 25 % increments.
05/12/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • XXXXX
Web
That my wife and I are victims of predatory lending practices, and naive/gullible targets of XXXX home mortgage scams. The unscrupulous methods of lenders compelled us to file chapter XXXX bankruptcy that ultimately lead to our property put on short-sale/foreclosure. In addition, the property is no longer in our possession and has been physically occupied by Carrington Mortgage services of XXXX , California. Carrington Mortgage has been lackadaisical in dealing with entire issue especially getting our names off the deed. Such that utility companies and home association stop sending bills for utilities some of which already been turned over to collection agencies destroying our good credit. In the past year or so, Carrington employees ( XXXX XXXX or XXXX XXXX XXXX ) have been contacted by phone, email and fax and advised to have our names removed from deed. Also utility bills have been forwarded from time to time and they instructed to have home insurance updated in the company name. Utility companies and their collection agencies advised to forward future bills to Carrington for direct payment. Since Carrington also broke into the property, XXXX XXXX sheriff office was also made aware of the development
05/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 115XX
Web
We have tried to work with Carrington Mortgage to save our home we realized that XXXX was the former owner of our loan and they liquidated through a Chapter XXXX Bankruptcy. We are trying to understand if our home is a part of the liquidation? Before we got to this status we have submitted payments to Carrington Mortgage and they have sent them back to us. Recently Carrington sent to us a Loan Modification Package and we completed the application and submitted the requested documents. Documents were due back on XX/XX/XXXX. We submitted the completed application and supporting documents via XXXX onXX/XX/XXXX. We spoke to Carrington Mortgage today and found that they did in fact receive the documents but they refuse to look at them because it was not with the 32 or 37 days before a sale date to be considered for a workout. We were constantly calling them and not one time did anyone tell us that after compiling documents and sending them by XX/XX/XXXX they were just going to reject all of the paper work and hope of getting our mortgage back on track. We were never told that this information until today. We are asking for help in acquiring a desired Loan Modification and stopping the sale date scheduled for auction XX/XX/XXXX. Thank You
09/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90018
Web
I normally pay my mortgage at the end of the month, because that is the way my pay comes in. I have been XXXX for about 7 months and recently gone back to work. I attempted to make a payment on XXXX/XXXX/XXXX but the automated system would not allow, which forced me to call the office the following day. I found myself on hard time during the course of my XXXX which cause me to be 1 month behind. I called Carrington Mortgage on XXXX XXXX to make one full month 's payment and to schedule a second payment on XXXX/XXXX/XXXX. The representative said they could not accepted this payment and could only accept 2 months ' payment. I explained my financial situation, but to no avail. I told the representative that I would mail the one-month payment in, he told me he would not advise because it is not certain the payment would hit my account. On XXXX/XXXX/XXXX I receive a note rubber band to my gate downstairs at street level, " Please call your Mortgage Lender '' anyone walking by this note is visible to. HOW EMBARASSING! this is an invasion of my privacy. Carrington mortgage has my phone number in fact they ask each time a call is placed. Carrington Mortgage had been a fair Company to deal with until now. I am in awe and very disappointed.
09/04/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 087XX
Web
My mortgage got sold in XXXX of XX/XX/XXXXto Carrington. When it got sold i was behind on payments. I contacted Carrington in XXXX of XXXX to ask them what would bring my account current. The lady told me {$2000.00} would bring the account current. So i sent the XX/XX/XXXXas well as the XXXX payment. Now they are telling me that im behind one full payment plus late fees. When i questioned this they cant tell me why because their computers dont go back that far. They can only see two years back and that i would have to speak to the research dept to clear it up. I asked to speak with the research dept and i was told that they dont take phone calls.So i cant talk to anybody to try and straighten it out or get answers. It is so frustrating not being able to get any answers. Im not going to give them any money unless they can tell me why im late. As of right now, they cant answer that. I gave them the XX/XX/XXXXback in XXXX to make it current but they didnt do something right which makes me uncertain about giving them any more money. They keep telling me that my payment for the first of every month is getting applied to the month prior so now i have alot of late fees. They cant tell me why im late in my payments and i dont what else to do.
06/18/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 28601
Web
I am a housing counselor for a non-profit hud certified housing counseling agency representing a client with Carrington Mortgage who has applied for a loan modification ; ( the loan mod process started with XXXX and then transferred to Carrington ) we have both contacted the lender repeatedly and on XXXX XXXX, they finally stated they had a complete package and they were waiting on the irs transcripts and title search to come back. Then on XXXX XXXX they closed the file for not us not providing documents. I have called with the client on conference with the lender and was advised the spoc had incorrectly notated the file and they did n't have all the documents and closed his file. They had mailed him another package and advised us we had to completely redo another file in order to be reviewed. I argued why should we have to start all over again when you already have all the information. I asked to speak to a manager and was adv one was not avail they were in remediation and that they would have to call me back. I also asked to be put to the spoc and she did n't even attempt to get her on the phone. This is the XXXX time they have made us restart and now are wanting it done a XXXX time. This client is/was current at time of submission.
01/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 216XX
Web
I have been making monthly payments on my mortgage of XXXX since XX/XX/XXXX. Carrington Mortgage took over my loan in XX/XX/XXXX. I advised them in writing that I would be sending payments by automatic deductions from my XXXX account. I sent a combined payment thru XXXX for a total of {$1100.00} on XX/XX/XXXX and XX/XX/XXXX ( I entered the wrong amount for XX/XX/XXXX payment and send a letter stating why the second payment ). Payment thru XXXX of {$1100.00} was sent on XX/XX/XXXX ; the XXXX XXXX payment was made on XXXX due to pay schedule. However the XXXX payment on XXXX was sent back to my XXXX account on XX/XX/XXXX. In the meantime I received a monthly mortgage statement from Carrington that {$7100.00} was due on XXXX. According to the delinquency record on back page of that ; only one payment on XX/XX/XXXX was received. Then I got an intent for foreclosure letter dated XXXX stating I needed {$23000.00} to cure the default. This makes no sense since I am trying to make payments. The next payment from my XXXX account to Carrington is today, XX/XX/XXXX. All the XXXX transitions are documented. It appears to me the Carrington is deliberately trying to take my home. I am concerned about this. I did not know where else to turn.
10/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48185
Web
I am filing this complaint against XXXX Mortgage XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX IN XXXX Essentially, in computing my escrow account, they doubled my summer taxes. In Michigan we pay summer taxes which are much higher than winter taxes. For ex summer tax XXXX winter tax XXXX. Instead of estimating my winter tax based on the increase of summer tax, compared to XXXX or simple math and applying the new calculation, they DOUBLED my summer tax and increased my monthly house payment by XXXX a month. I called the spoke to the tax department XX/XX/XXXX and uploaded all proofs of winter tax I received and then followed up with them on Tuesday XX/XX/XXXX. They refuse to acknowledge their errors and insist I pay the additional XXXX a month until the city of XXXX Michigan publicly publishes the winter tax amount. So in essence their accounting practices are predatory in nature. Their research consists of going to the citys website and if new taxes are not published they double your most recently paid amount. Ive owned several homes and this has NEVER happened. I am hitting a brick wall with them and I did not chose this company but was sold to them. XXXX Mortgage XXXX XXXX is unethical, predatory and committing fraud on homeowners.
04/07/2020 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • PA
  • 193XX
Web Servicemember
Our mortgage was " transferred '' by XXXX to Carrington Mortgage Services , LLC in on XX/XX/20. On XX/XX/20 we applied online at XXXX for COVID-19 assistance. A " COVID-19 Forbearance Letter '' dated XX/XX/20 was sent to us saying that we were put into the 90 day forbearance program starting XX/XX/20. Our XXXX payment was automatically deducted on XX/XX/20. We got the letter on XX/XX/20 so we called Carrington on XX/XX/20 to find out why that payment was drawn on XX/XX/20 while we were in a forbearance program, and what the terms of the forbearance were. We spoke to two representatives over the course of two phone calls. The second representative confirmed the first representative 's statement that the forbearance required a full payment of the 90 days of payments at the end of the forbearance period. This is of little help to those that have lost income. When asked for documentation of those terms, the Worker said there was no documentation that she could offer. The XX/XX/20 letter does not include a definition of " forbearance, '' which would make clear these terms, nor does the letter explain how automatic payments would be handled regarding the forbearance period. No documentation of these terms appear on Carrington 's web page.
04/22/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • MO
  • 657XX
Web
I submitted a loan application to Carrington Mortgage Services LLC XX/XX/XXXX. The loan officer was XXXX XXXX. Originally, he was very helpful even though I have fair credit score, and began the loan process stating that he had a XXXX % loan approval rating. After about a month of me asking him questions, because I have never had a loan before and do n't know how things work, he stopped answering my emails. Prior to this time, he had asked questions about XXXX my partners XXXX and XXXX. Finally, XX/XX/XXXX, he called my partner and stated that he did not like the " tone '' of our emails to him and stated that he was our only hope for a loan and that he was considering not helping us. This came from out of the blue. Following this phone call, he has not taken any of our repeated telephone calls or answered the numerous emails which we sent to him. We asked him specifically if he had a problem with the fact that We are a XXXX couple or the XXXX that my partner suffers, XXXX XXXX declined to answer. It is now XX/XX/XXXX and we have heard nothing from Carrington Mortgage or XXXX XXXX in regards to our loan application. It is our belief that XXXX XXXX has stopped working on getting us a loan because of our sexuality and my partners XXXX.
07/06/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AZ
  • 85730
Web
In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. I received a letter from XXXX stating they sold it and that effective XX/XX/XXXX Carrington was my new lender. I have been making my monthly payments to Carrington since. I had some trouble with them in XXXX, I received a letter from my homeowners insurance saying they had not been paid. I contacted Carrington, it basically took over a month for the issue to be resolved. On XX/XX/XXXX I received a disturbing call from a woman stating she was from Carrington on a recorded line to discuss my XXXX payment, but before I could say anything she said disregard this call. I said I already made my payment she said I know that's why I said disregard. ( she was very rude ) I asked her why she even called then she said to talk to you about your XXXX payment but I said disregard. The whole thing didn't make sense to me. So I asked her why they are not reporting my payments to the credit bureau she said I don't know let me have your social. I didn't feel comfortable giving it so she just hung up on me. I called the number back and it was in fact Carrington. I am trying to buy a new house and this is hindering me. I need this resolved as soon as possible. Thank you.
02/18/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web Older American, Servicemember
We are senior homeowners, greatly impacted by the XXXX XXXX pandemic, who have nearly lost our entire business of over 30 years. We are ever so grateful to be currently in a forbearance plan. Since XXXX, we been trying to work with XXXX XXXX XXXX to create a " stand alone partial claim '' for our forbearance plan. We have an FHA loan, and have been in contact with them on multiple occasions over the last few months in writing, and on the phone with their customer service department. Today after many attempts to move forward with the " stand alone partial claim '', we instead received a loan packet for a " loan modification '', even after letting them know since XXXX we want to use the " stand alone partial claim ''. I am attaching a copy of my letter from XX/XX/2021 requesting this. Also on XX/XX/XXXX at XXXX XXXX XXXX XXXX I spoke to " XXXX '' in the customer service department. I made it abundantly clear we wanted to have the stand alone partial claim. XXXX XXXX is difficult to communicate with. Long waits on the phone. I even received an email from one of their employees letting me know the loan documents were on the way and requesting me to respond back right away about the loan modification, and my reply bounced back.
11/27/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32927
Web Servicemember
I am writing you file an official complaint against Carrington Mortgage Services this company is misappropriating funds in an attempt to foreclose on my home. All the information that I have received from this company is inaccurate and when I contact the customer service office, I receive several different responses none which addresses the question at hand. They are claiming of nonpayment of mortgage this is false listed on my payment history and my credit report. The information they have listed is invalid and not true. And Im requesting that they stop reporting this false information. They took over my loan in XX/XX/2019 and I have not missed one payment. They have created fraudulent charges to my account in order to justify their unethical practices theyve add to my account, property inspection fees, ( not performed ), late fees, ( not late ) applied mortgage payment to escrow and more. All in an attempt to defraud me and illegally foreclose on my property through fraudulent means. Attached you will find copies of checks for my mortgage that have cleared ( paid ) by my bank. I am not behind in my payment and should not be receiving threatening notices regarding foreclosure, I am seeking a remedy that would stop the threats.
06/12/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20721
Web Older American
I lost my job last year and had many financial hardships. I was about to save my home by doing a modification on by existing loan. I completed the trial period of three months than I began making regular payments to the company. After I started making regular payments the company sent me a ststement informing me that I owed them XXXX This was after legal documents were signed that stated How much I owed and, my new payment amount. My concerns are : 1. If I did owe this company additional money why was this not calculated into the modification. 2. I have called this company multiple times and then state the XXXX is due to fees assessed. What fees? XXXX. If a consumer is already going through a hardship how can a company modifiy their loan and than expect them to pay an additional XXXX 4. This company had 6 months to identify all monies they believe I owed them during the modification process.Everything should have been involved in the modification process They are setting me up to lose my home of 25 years. And I believe what they are doing is illegal. Informing me of an additional amount of money owed after legal documents were signed and notarized stating I owed the company a dollar amount without this XXXX. This is illegal
03/17/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 94565
Web Servicemember
I am filing this complaint because of the response that I received from Carrington Mortgage Company saying that they would not address my Error Resolution Notice under 12 C.F. R 1024.35 because it was a duplicate request. The mortgage company is claiming that they already addressed this information from an Information Request letter that I sent XX/XX/XXXX. I do not agree. These are very separate issues. The letter I sent in XXXX was requesting the ledger for our mortgage covering the time period that were in XXXX XXXX bankruptcy and an explanation of why the amounts overdue on the statements were incorrect. I thought that when someone ( s ) is in an active chapter XXXX bankruptcy that the mortgage company had to provide accurate statements. They waiting until the bankruptcy got to the end, then all of a sudden we find out that we owed more money. Why wasn't the statements updated to show the amount they are now claiming was due?. Attached are the letters that I sent to the mortgage company and the response I received from my Information Request dated XX/XX/XXXX. Their response regarding the mortgage statements does not make since to me. They had many months to fix the statements, why wait until the bankruptcy is closing ...
05/03/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OH
  • 44060
Web Servicemember
Recently my mortgage was transferred from XXXX to Carrington Mortgage Services. Carrington did a escrow analysis dated XX/XX/19 which showed a shortage of {$710.00}. My property taxed and homeowners insurance did not change. My property taxed are paid in XXXX and XXXX. Before the loan was transferred XXXX paid the XXXX property taxes. The escrow analysis by Carrington shows them paying the taxes in XXXX and XXXX. I do not understand how they can pay the taxes in XXXX when the tax bill does not come out until XXXX. I believe that by showing an additional tax payment being made in XXXX that is causing my shortage. My monthly payment is going up $ {$59.00}. I do not understand why it is going up so much if nothing changed. After spending hours on the phone with Carrington they did agree to redo my analysis. I have little faith in them. I confirmed with the county treasurer when the tax bills are due. Carrington told me they send the payment in XXXX so it gets there on time. I find it hard to believe that in this electronic age it takes 2 months to get the payment sent. They do not seem very competent. They also told me that the county would refund me if there was an overpayment, which the treasurer said is not standard procedure
01/09/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 181XX
Web Older American
Our mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services this past fall. The mortgage payment has been {$630.00} monthly. On XX/XX/XXXX Carrington informed us that they would be raising our monthly mortgage payment to {$700.00}, an increase of {$70.00} per month. None of our taxes or insurance have increased, but they are now requiring us to have an excess of {$720.00} in our escrow account. Our taxes & insurance payments are XXXX. XXXX = XXXX and XXXX = {$49.00}. According to your representative that I spoke with, the above are the limits to which the mortgage company can require for additional escrow. Because I am retired and my husband on XXXX, the {$70.00} extra would be a hardship for us. I have spoken to several of the Carrington customer service reps, but they all say that the figures are correct and that is what we must pay, anything less would not be accepted toward our mortgage payment. They also told me {$720.00} must remain in our escrow account, and we would only get back anything above this amount at the end of the year. At present, we owe payments for XXXX and XXXX, and we are hoping to resolve this issue. I will be making one payment on XX/XX/XXXX when I receive my social security check.
12/18/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60106
Web
On XXXX XXXX XXXX, my loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services. My name is XXXX XXXX. I am the heir of the estate of XXXX XXXX. When my loan was with XXXX XXXX XXXX, I submitted all the paperwork necessary to change the ownership to read ESTATE OF XXXX XXXX. I was able to speak on behalf of the loan and conduct all transactions. Upon the sale of the loan, after the welcome letter, the entire ownership revereted back to read XXXX XXXX. I called Carrington in XXXX, XXXX XXXX and sent a QUALIFIED WRITTEN REQUEST to them AGAIN providing the death certificate and proof that the ownership is wrong based on XXXX XXXX XXXXXXXX. They have to date NOT changed the ownership, asked me to place a password on the loan on XXXX/XXXX/XXXX, which I did do and NOT HONOR it. They have charged me a {$9.00} automated violation fee which I did not authorize and I am NOT in foreclosure, so no fees should be assessed to me. This should be refunded. Finally, I can not even get information from them, they speak in circles. Today, XXXX/XXXX/XXXX, I tried to resolve this with XXXX, and he would not give me ANY INFORMATION. Even though previously they had confirmed they received all the documents regarding my fathers XXXX.
06/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32207
Web
Carrington Mortgage Services , LLC Re Account # XXXX ( Part of 1st Letter sent Carrington ) Back around XX/XX/XXXX. Have many a few calls to your customer service # and they have been No help explaining Per your statements it appears you have charged us in XX/XX/XXXX, {$870.00} for a Property Registration Billed. Please why have we never been charged anything like this since the loan originated in XXXX? Why is that XXXX County Assessors office have a record of it. If not them Why was it not filed with the Clerk of the Court, I saw no record there either? This a fee appears only to be charge for Vacant Land ' -- -Then in their response of XX/XX/XXXX [ Based on County Records the property was vacant XX/XX/XXXX thru XX/XX/XXXX ] but then charge us in excess of 5 years later. I contacted the XXXX Property Assessors Office again and they stated they have no record of this or any fee received. He did stated is that was true they 1st remove my Homestead Exemption which they did not I have all those reports to prove that. I also contacted Clerk of the Court again and still no records. I also contacted local utility and though they can see I have continues service if I was the individual I need to come in main office to get those.
05/11/2021 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Public record information inaccurate
  • IN
  • 46350
Web Servicemember
Carrington mortgage company purchased my mortgage loan from XXXXXXXX XXXX on XXXX of 2020. I filed a joint chapter XXXX bankruptcy in XXXX of XXXXwhich discharged the loan as part of the bankruptcy proceedings. After multiple attempts to call and resolve this issue with carrington mortgage company they have stated that the bankruptcy only applies to my ex wife and does not include me. I have spoken to the trustee who handled the bankruptcy and confirmed both parties, my ex wife and myself, are included in the bankruptcy. I am now being harassed with phone calls and emails from carrington and negative remarks on my credit report. Representatives from carrington have also stated they will continue to pursue legal action and continue to contact me if I am unwilling to make a payment. This falls under the Stay violations and the discharge violations, along with violating federal bankruptcy law and the FDCPA, violating federal law, namely section 524 of Title 11 of the United States Code. If this matter is not resolved on my credit report and with carrington I will be forced to contact an attorney and file harassment charges and seek compensation to pay attorney fees and compensation for their violation of the bankruptcy code.
06/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 120XX
Web
Where to begin, My loan was originally obtained through XXXX . Carrington bought the mortgage and immediately upped my payment ( Surpassing the maximum amount I am legally allowed to get a home loan for ) to push the escrow to the maximum amount. As this was sudden and unexpected I obviously started missing payments and making payments late while they were blasting me with fees. They were completely unhelpful in terms of me making partial payments and only wanted to sell me additional services which I can not afford. The website is shotty and most of the time and at least once every 2 moths I have one of the following issues. - Does not work - Will require me to change my password - Will not let me reset my password - And does not send me confirmation emails when I make my payments - Can not find the link to make payments as it is very well hidden Which is suspicious because when you call they say its {$15.00} to make a payment over the phone. I finally got even on my mortgage and now they have decided to start charging me a {$5.00} Convenience fee to make my payment online which again I do n't think is quite legal. Regardless this place is not on the level. Sign me up for any lawsuits out against these guys.
09/18/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NC
  • 27610
Web
XX/XX/XXXX I received a letter form XXXX XXXX XXXX thanking me for participation in the loan assistance process XX/XX/XXXX XXXX XXXX XXXX XXXX notified me regarding my loan number:XXXX, { XXXX }. A re-instatement order was submitted. By the Home loan team. Respond by XX/XX/XXXX completed the package forwarded to the Home Loan Team. XX/XX/XXXX I received a letter from Carrington Mortgage LLC Phone XXXX stating my loan had been transferred to their company. Loan no. XXXX Stating they would honor the { XXXX }. Submitted to XXXX XXXX XXXX, However I submitted another { XXXX } with Carrington Mortgage LLC. After receiving a notice my deadline was XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX filed notice of a collection foreclosure hearing with XXXX XXXX XXXX XXXX XXXX. for XX/XX/XXXX another foreclosure hearing is set for XX/XX/XXXX Note : under NC.G.S. 45-21 16 { C }. 15 U.S.C.1692 a { 5 } > Lender is supposed to provide barrower XXXX XXXX an opportunity to resolve the matter through any an all resolutions ... I inquired about the status of my { XXXX } application? Once the barrower has submitted a { XXXX } .application the foreclosure process is supposed to ceased By according FHA , FEDERAL an STATE LAW.
12/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 134XX
Web
LOSS OF WORK PUT US IN A SITUATION OF FALLING BEHIND ON OUR MORTGAGE FOR 4 MONTHS. THEN WE FINALLY WERE ABLE TO MAKE A FULL PAYMENT DURING THE 4TH MONTH AND XXXX XXXX XXXX WOULD N'T ACCEPT ANYTHING LESS THEN THE 4 FULL MONTHS. THEN THEY TOLD US TO FILL OUT A HARDSHIP PACKAGE SO THEY COULD SEE WHAT PROGRAM WE QUAILIFIED FOR. 1 1/2 MONTHS IN THE PROCESS THEY SOLD OUR MORTGAGE TO A COMPANY WE 'VE NEVER HEARD OF " CARRINGTON ''. THE HARDSHIP PACKAGE WAS NEVER FORWARDED TO CARRINGTON AND CARRINGTON WOULD N'T ACCEPT PAYMENTS BASED ON THE INFORMATION XXXX XXXX XXXX GAVE THEM. SO HAD TO SUBMIT ANOTHER HARDSHIP PACK WITH THEM. NOW AT 8/9 MONTHS BEHIND THEY TELL US WE DO N'T QUALIFY FOR ANYTHING OTHER THEN LIQUIDATING OUR HOUSE. THEY TOLD US WE CA N'T APPEAL THE PROCESS BECAUSE US FALLING BEHIND HAD NOTHING TO DO WITH LOSS OF INCOME. I HAVE NO IDEA WHERE THEY CAME UP WITH THAT XXXX. I SENT THEM MY UNEMPLOYMENT BENEFIT PAGE SHOWING HOW MUCH I RECEIVE AND WHEN IT BEGAN. WE WANT TO KEEP OUR HOME, WE OFFERED THEM {$5000.00} DOWN ( THATS 75 % OF WHAT WE OWE ) AND THEN WORK OUT A PLAN THAT WE COULD PAY SOME EXTRA EACH MONTH ONTOP OF OUR NORMAL PAYMENT TO GET US BACK ON TRACK AND THEY SAID NO. WE HAVE LIVED IN THE HOME FOR 12 1/2 YEARS.
11/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23832
Web
XXXX XXXX XXXX ( ( Account # XXXX ) sold by mortgage to Carrington Mortgage Services ( Account # XXXX ) with a transfer date of XX/XX/2018. Since my payment was due on XX/XX/XXXX, and XXXX XXXX XXXX sent me my bill for my XXXX mortgage payment, I paid XXXX XXXX XXXX. I then set up online banking to pay Carrington Mortgage for XX/XX/XXXX. I was notified by Carrington that they had received my mortgage payment for XXXX and it was past due. I told them I paid XXXX XXXX XXXX since they sent me a bill for XXXX and that the transfer date was later than my payment due date. They said that XXXX XXXX XXXX would transfer the money to them. Since XXXX, Carrington Mortgage has threaten to report my late payment to credit reporting agencies and they have sent letters attempting to collect my missing payment. I have spoke with Carrington no less than seven times, sent them my XXXX XXXX bank statements showing where XXXX XXXX XXXX was paid on XX/XX/XXXX as instructed. I called XXXX XXXX XXXX and got the transaction ID # XXXX for the transfer of monies to Carrington Mortage which included my mortgage payment of XXXX dollars. They still deny receiving of finding my XXXX payment and have thier collection department now calling me.
12/31/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • XXXXX
Web Older American
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXXXXXXXXXX XX/XX/2016 To : CFPB and California DBO re Carrington foreclosure on APN # XXXX / loan # XXXX Dear CFPB and California DBO, I have sent this exact same information to Carrington. Carrington Financial Services is sending Notice of Trustee 's Sale and Notice of Sale Summary of Key Information that states the above documents " has been sent to XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife, as joint tenants, in relation to XXXX XXXX XXXX, XXXX, Ca XXXX '' The notice of sale has never been sent to XXXX XXXX as he no longer is on the deed and he no longer lives in the area. The XXXX problems with the Notice of Sale are listed below in bold type. Carrington has not responded to this missive which was emailed to them via a HUD counselor on -XXXX XXXX XXXX does not live at the above address -XXXX XXXX is no longer a joint tenant -XXXX XXXX and XXXX XXXX XXXX are not husband and wife. -Carrington can not state that XXXX XXXX XXXX has received the above information as he does not receive mail at either XXXX , Ca XXXX nor does he receive mail at XXXX XXXX XXXX, XXXX , Ca. Thank you for your attention to this matter. XXXX XXXX Cc : XXXX XXXX XXXX, HUD housing counselor
05/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 71105
Web
In XX/XX/XXXX I was behind on my mortgage. I paid the almost {$1500.00} to catch up my notes. In XX/XX/XXXX Carrington Mortgage stated that I was {$2700.00} behind in payments AGAIN. I did not agree with their records but I had to get my mortgage paid. I paid the {$2700.00}. I was told by a Carrington employee that the {$2700.00} would completely catch me up and my next payment would be due the end of XX/XX/XXXX. When I received my XX/XX/XXXX statement it said I was AGAIN a month behind!! I have paid my mortgage every single month since catching it up in XX/XX/XXXX. They add late fees every month from the payment they said I was behind on from XX/XX/XXXX! I paid my mortgage on XX/XX/XXXX. On XX/XX/XXXX I received papers left on the floor of my carport. I almost didnt see them! They are now saying I owe, AGAIN, {$2000.00}! I looked online at my statement and I had no idea that my XX/XX/XXXX payment was Rejected due to Payment Account Not Found. I Had no idea this happened or how it happened as I use the Same payment method every month. I did not receive a phone call or anything from them. Now they are charging me more and more late fees. Yet, their records still say my last payment was made on XX/XX/XXXX. Please help!
02/14/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NH
  • 032XX
Web
XXXX XXXX XXXX is trying to sabotage my mortgage by refusing 2 payments that I made through XXXX XXXX in the amount of {$2700.00} on XX/XX/XXXX. I would only be one payment behind and one payment currently due but if they are allowed to refuse my payments then it will put my home into foreclosure. I have spoke to them in the past and they have admitted that they have the right to refuse my payments. They are therefore deliberately trying to force me into foreclosure. I spoke with XXXX the supervisor at XXXX XXXX and she stated on XX/XX/XXXX that it was returned because it wasn't enough money. I only owe for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX On the back of my statement I boxed in the amount that I am past due. With the payment amount of {$2700.00} that I made I would only be late for XX/XX/XXXXand XX/XX/XXXX which I was paying an additional payment in the next week. I have attached proof of letter from XXXX XXXX of rejection and a scanned copy of my recent XX/XX/XXXX mortgage statement for XX/XX/XXXX. Let it be known that I stated in my previous complaint recently about Carrington MS that they were going to do something like this to push my family into the streets and foreclose on our home.
12/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30017
Web
This is continously happening as we further conduct research in regards, to our properties. Our home located at XXXX XXXX XXXX, XXXX Georgia XXXX was purchased in XX/XX/XXXX. The orginial lender was XXXX XXXX which funded the original purchase amount located in the attached documents. The mortgage was later sold to XXXX. We understood the home had an ARM, however the payments were increasing astronmomically. I questioned the mortgage company in regard to this situation, but did not receive a sensible response. Approximately, 3 weeks ago a Realist Report was pulled only to find someone refinanced our property. We have NEVER refinanced any of our properties. Please investigate asap. We are finding others were taking advantage of our good credit ratings and committing mortgage fraud. The company which supposely refinanced our who by SOMEONE, is unknown to us. The house was refinanced in XX/XX/XXXX??? How can this be happening. This is crazy and if we had not researched we would have never caught it. Documents are uploaded. The load was sold to Carrington from XXXX. Carrington is in currently holding a fraudlent loan and we WILL not be responsible for it. Also, a REINSTATEMENT for a loan we never took out in XX/XX/XXXX?
09/07/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70131
Web Servicemember
during the time of all the disaster and covid-19 i was facing ahardship with financial, death in family, military service entry from XXXX to XXXX when i was XXXX XXXX due to serious XXXX XXXX, XXXX issues and high medical bills that made my mortgage fall so far behind when i serve or aware of the foreclosure until i was in the house and XXXX sent XXXX to my property and place pad locks on the door included locks change, I tried to contact XXXX foreclosure department and didnt seem to get any responds back til 10 days later. So i was so emotional stress end up with a XXXX XXXX when i decided to apply for a loan modification got approve for only a week after i sent the payments in and never receive none of the payments back. i contact me a lawyer but couldnt afford one at the moment, i hire a realastate agency to listed my property for sale. as i listed it XXXX wanted more money on the property more than its worth, so the buyer back away from the deal in buying the property and the realastate failed to submit documents to the banks so it expired the offer too. I have evidence of everything that occur with XXXX XXXX and proof. Please i appreciate that you look into this matter or my attroney will take legal action.
04/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • XXXXX
Web Servicemember
In XXXX I took out a mortgage with Carrington Mortgage Services. In XXXX, when Covid lockdowns happened, I was concerned about being able to pay my mortgage in the event that my XXXX checks got held up by the XXXX XXXX XXXX put me in forbearance without any consent from me. When I told them I wanted off of it they told me I had to make a payment by XX/XX/XXXX, or I would be charged for all four months of payments. I sent a cashier 's check early. They rejected the payment because it was OVER by one cent. They then immediately told me I had to come up with four mortgage payments and threatened to foreclose on my house. I was forced to borrow money from a friend to prevent foreclosure but the bad credit remains. Carrington 's actions were predatory in every way. There were harassing phone calls and when I called them they made it impossible to speak to anyone who could " access my file ''. They arbitrarily rejected payments made in good faith because they could make more money by collecting bad debt or foreclosing. The second-and third-order effects of Carrington 's bad acts are that my credit is severely damaged, not just with them, but with all of the creditors I have struggled to pay as a result of their bad acts.
02/10/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91950
Web Older American, Servicemember
On XX/XX/2022 XXXX foreclosed on my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Attached Exhibit A shows the foreclosure document. Carrington foreclosed on me prior to the 90 day wait period requirement. This 90 day wait period requires Carrington to not foreclose on me until 90 days have passed since the time Carrington can legally start that 90 day foreclosure clock. Attached Exhibit B shows the recission date of my foreclosure to be XX/XX/2022. Attached Exhibit C page XXXX shows the date I came out of the covid forbearance. The date is XX/XX/2022. This document states, " It is important to understand that your XXXX XXXX forbearance plan is ( set to expire or expiring ) on XX/XX/2022 ''. This means Carrington can not start the forbearance 90 day countdown until XX/XX/2022. From XX/XX/2022 until XX/XX/2022, the day Carrington foreclosed on me is only 47 days. This makes the act of Carrington foreclosing on me incorrect, illegal, and unnecessarily costly to me. Attached Exhibit C page 2 shows Carrington telling me, " your loan is no longer in forbearance, and we have resumed standard servicing on this loan. '. This is proof Carrington knew it was breaking the law when it foreclosed on my property 44 days early.
12/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 45044
Web
I have a Mortgage with Carrington Bank and I have made every payment on time every time up until the pandemic hit. We were offered by Carrington Forbearance on the loan and we were advised at the time that when the forbearance period was up they would add the time we didn't make payments to the end of the loan. This would be perfectly acceptable to us. Our daughter used forbearance and her company made it very easy for her by simply adding on the missed payments to the end of the loan very simple process. Suddenly in XXXX of this year without any notice guidance etc., we received notification we needed to catch up ALL missed payments. We immediately began making payments again and we were advised we had to pay $ XXXX immediately to avoid foreclosure. We paid the $ XXXX. We were basically threatened with foreclosure on day one of being notified payments had to resume and payments missed were now amount due immediately. Several calls and we got in touch with XXXX at Carrington. He advised us to take advantage of XXXX XXXX the XXXX program which would pay the balance to get us caught up. We applied same day followed every request to the T and we've been in a runaround for 4 months now. I have emails to prove above.
07/02/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 27502
Web
My complaint is against Carrington Mortgage Servicers LLC. On XX/XX/XXXX they denied an offer for a short sale that was submitted. I received a letter dated XX/XX/XXXX stating that the short sale was declined. There were two other offers previously submitted the bank did not process any of the offers in a timely manner and was not responsive to the offers submitted. I believe this to have been an intentional willful act to further subject me to intentional emotional distress. The foreclosure proceedings began on or about XX/XX/XXXX and started shortly after the sale of the home. I've produced personal documents including bank statements and pay stubs several times and the bank was not responsive in processing the short sale offers. I believe they intentionally delayed processing of the offers. The last communication states that the loan is now governed under the Hud SLFS. Had they processed the offers timely the property would have been sold. Now they continue to send me collection notices the last one dated XX/XX/XXXX stating that I owe in excess of $ XX/XX/XXXX. They sold the home to me for $ XXXX the home is valued on or about $ 160k. I would like them to be investigated in relation to their negligent acts.
06/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 92651
Web
Notice of Error Sent XX/XX/2023 : Our account is in error because XXXX XXXX XXXX ( Loan Servicer ) paid XXXX controlled, Insured-bill account homeowner policy in full early which resulted in a shortage and deficiency of the borrowers escrow account plus abusive fees and charges. The errors are forcing us to pay an amount into escrow in excess that we otherwise would have. These errors of handling, servicing and administration of the escrow account are prohibited under regulation 12 CFR Part 1024 ( Regulation x ) and 12 USC Chap 27 because : - The term escrow account excludes any account that is under the borrower 's total control. - We do not and have never voluntarily agreed that the XXXX XXXX should collect nor pay this borrower controlled, insured-bill account. This account was never included in XXXX. - We are not subject to force-placed insurance and the account does not meet the basis of requirements. In addition, force-placed insurance is also not applicable to a borrower-controlled account. For CFPB XXXX notice provided by XXXX XXXX XXXX to the borrower states " Your mortgage contract and State Law are silent on this issue '' about charges and amounts which seems highly irregular and a red flag.
07/22/2020 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 310XX
Web Servicemember
My wife and I have a VA 30 year fixed loan with Carrington Mortgage Company at a XXXX interest rate. On or bout XX/XX/2020 I spoke with an agent to discuss a VA IRRL loan for 15 or 20 years. She sent an email to start a refinance application for a 25 year mortgage, they ran our credit reports and offered us a 25 year IRRL Refinance at 2.75 percent withe credits for the various charges outside the principle. We did not want to enter a longer agreement than we owed so we asked for a XXXX or 20 year loan at XXXX withe the same terms that were initially presented to us. We were told that the payment for a 20 year mortgage would be {$20.00} more a month than our previous payment and therefore does not meet one of the stipulations of the IRRL which would be to lower your monthly payment. Because they would not offer us a 15 or 20 year refinance we stopped the application process.I feel that the reason we were denied the 15 or 20 year refinance at 2.75 with the added incentives was not offered because they wanted us to enter into a 25 or 30 year loan. We received a statement of credit denial, termination or change dated XX/XX/2020 and they had the term of the loan as 20 years which we would have accepted initially.
02/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 170XX
Web
have been trying repeatedly to get my mortgage modified by Carrington Mortgage Services which is a devision of XXXX XXXX and have been told that it wasn't received to send it by email. When I tried that approach their site would not allow it to be done so I called and told them and was told to send it in asap. So I filled out another set of forms and sent them and all documentation by 2nd day mail requiring a signature and they waited until the XXXX to sign for it then till the XXXX to look over it just to tell me that now it was too late to do that. When I pointed out that I sent it requiring a signature etc I was told to send the proof in which I did by fax. The very next day they once again denied it for being too late even tho I was informed by a supervisor that they could still do it. I was then told to send it in one more time and again the very next day it was turned down for the same reason. My intentions have always been to keep my house however I had lost my job and am now finally starting a new job. Due to all of this happening my house is now under water as far as what it is worth compared to what they now say I owe yet I'm sure that they will find someone to say it is worth more than what I owe.
05/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web Older American
My issue is with Carrington, they just started to service my mortgage from XXXX XXXX XXXX. They sent me a letter on XX/XX/XXXX stating : ... .. '' we are pleased to inform you that MIP on your loan has been cancelled. As a result, your monthly mortgage will be will adjusted accordingly. A revised billing statement will be sent separately. '' We made a mortgage insurance payment in XX/XX/XXXX that included the extra XXXX as the payments crossed in the mail. In XX/XX/XXXX and XX/XX/XXXX, we made our regular payment less the PMI of XXXX. The letter with the revised billing statement never came. I wrote 2 letters, and ask for help on their help line on their website. They stopped applying our payments to our loan. Yesterday, I received a letter dated XX/XX/XXXX. It stated that " removal of MIP does not immediately affect the scheduled payment, the payment will REMAIN THE SAME '' until we generate a new escrow analysis ONCE A YEAR. Can you please find out why they are demanding that we continue to pay for a service that has been cancelled? And why they aren't applying our payments to our loan? And why we can't receive a refund for the OVERPAYMENT of the PMI in XX/XX/XXXX after it was cancelled? Thank you.
03/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10021
Web Older American
I need to know and for tax accounting I need to know the money that goes into my escrow and the amount that goes out of my escrow and where the goes to. Please note I have 3 Properties. I have 3 mortgage loans with Carrington Mortgage and have requested since XX/XX/XXXX ( today is XX/XX/XXXX ) a digest of XX/XX/XXXX payments into my account and out of my account. They referred me to research - I have faxed, written ( research does not take calls ). I call and get referred to research, who does not respond. So I mail and fax my request to research. At this time 5 faxes. Today I got a call from Carrington and returned it as per the voicemail instructions. After 15 minutes of going through the process, I got a person. Explained, yet again, that I needed to know when payments were made out of my escrow account, to whom were the payments made. He said Carrington does not do this. This is completely unacceptable that a company can take my escrow money and make payments out, and not disclose for what and/or to whom the payments were made. Plus, the time and energy I have spent trying to get this simple information is not acceptable. I need to balance my escrows for tax purposes and need this information.
05/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 14020
Web
on XXXX XXXX 2017 i s ent Carrington mor tgage company my insurance check to endorse. they cashed my insurance check and applied the the XXXX from XXXX XXXX that was money to fix my roof to my principle balance to my loan. when i called regarding this matter they told me that it will take 2 we eks to get my money back. weeks before this i was notified in a statement that i was low in my escrow account when in fact i was n't and they increased my mortgage payment up to XXXX a month now I 'm paying XXXX but refused to give me documentations as to why or where i was short. i needed to contact my city and have the city call Carrington mortgage company. They still have yet to get back to me or to notify what my paym ent will now be monthly. Everytime i call to address the situation they connect me to someone else then i sit on hold for almos t 45min then th e call ends up dropping. i feel violated and scared to know that these people hold my mortgage and there a re 1000 more like me going through this with them right now. I am at a loss of words. this house is shelter for me and my family and i cant even change mortgage companies because i chose not to refinance. please help me please..
02/01/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 622XX
Web
I have successfully completed the trial payments during the FHA loan modification, this is post bankruptcy modification. I successfully submitted my notorized documents, all were verified. My payments have been consistent & not late. The company is failing to disclose the exact details on a ledger of where the funds were derived & where the funds are going as payment. The dates of a ledger do not match up to the dates of insurance or taxes. The dates even demonstrate duplicate transactions without any plus or minus in the columns or with a balance to figure or calculate. I was recently billed additional amount that was not listed in the documents signed prior to modification or in the execution of the new claim or mortgage. This fee fails to carry any invoice to disclose its nature or reason. That is a consumer violation also. My executed documents have not been delivered to my address. The agreement contract allows me the owner to have copies of the filed documents. The XXXX County recorder stated Carrington submitted electronic filing XX/XX/2020 but I the homeowner do not have the promised copies to this executed modification. Please look into this matter. It is also a consumer law violation. Thank you.
09/25/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 492XX
Web
I would like to make a complaint against Carrington Bank. XXXX XXXX XXXX sold my mortgage to this company in XXXX of 2015 with no notice to me. Carrington Banks has increased my mortgage payment with no explanation. When I try to call to ask, they claim it is because they need a " two month '' cushion for escrow payments. They have also consistently made sure that my payment is late, either by telling me that my bank account is not valid and then locking me out of my online account. These actions then force me to call Carrington and pay by phone which costs an extra XXXX dollars + the XXXX dollar late charge + the 30 day late payment on my credit report. Plus Carrington, then sends letters that they are starting foreclosing process on certain dates because my payment is late. I would like to refinance to get away from this company, but Carrington has made it impossible to do so because it looks like I am constantly late on my payments. PLEASE ADVISE HOW TO GET AWAY FROM THIS COMPANY!! I know I am not the only person to have these problems. If you look at the complaints on XXXX and other various online sources. There are many people facing the same issues. This mortgage business is not even BBB verified!!
12/31/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 480XX
Web Servicemember
Hello Im XXXX XXXX and I have been receiving inflated fees and premiums from Carrington for the last three years. My fees and premiums started out at {$760.00} and then {$820.00}, and now {$860.00}. There is no reason my premium should rise, I am a realtor and have access to my taxes, they have not risen, I have access to my insurance it has went down from {$1100.00} a year to {$520.00}. I believe that Carrington Mortgage has violated my consumer rights and the Fair Housing statues. I will contact the appropriate government agencies to investigate my account and Carrington Mortgage Service LLC. I have previously contacted financial service for the government thru the FTC to complain about the Carringtons discrimination practices in my refinancing process and now I discover another inflation of my fees and premium. I believe that my account is being padded financial gain and is unlawful, I have had no previous notices explaining non-of the increases, which should not have been. With my insurance going down and my taxes going down my premium should have been {$760.00} for the last 2 years. I request that Carrington credit my account or send me the access fees. I believe I am a victim of I financial crime.
03/13/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 752XX
Web
Hi, On XXXX, from XXXX XXXX, I had a loan to purchase a house, on XXXX XXXX XXXX switched the loan to Carrington mortgage services ( they do n't have office in the state of Texas ), since then I having problems with this company because all they 're telling me is n't true.A couple of days ago I received a letter saying that they increased the home payments, I called, and they say there are XXXX reasons, XXXX reason was because the insurance went up, the other reason was because the XXXX city taxes went up, but I told them that this house is exempt of taxes because I 'm XXXX, then they change their mind saying that there is an error on the XXXX contract, I asked them where is the error because I have copy of the contract, then they changed their mind again saying for other reason not written in the contract, so they lie to many times. I 'm disable, they do n't have office in Texas, and for me is very hard to talk with a manager to ask why they lying to much. I was paying $ XXXX/ month and they increased to {$400.00}, and if I add the difference of the insurance, go to {$370.00} no {$400.00}. What action I want you to take? transfer the loan back to XXXX, but they Carrington wont do that. I need your help
07/20/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19151
Web
To Whom it may concern : I was erroneously charged unallowable property preservation and Mortgage Servicing fees. My family and I were a victim of a horrific fire and understood that all fees were resolved with the insurance claim and the most recent payment of {$330.00} which was included in a statement from XXXX. We have been consistently harassed with an erroneous debt. In an effort to prevent further XXXX episodes, we began making payments. However making these payments are detrimental to my health, as it is a constant reminder of our horrific experience. I have appealed these fees in the amount of {$2900.00} with the new services Carrington Mortgage. We've been waiting on the appeal decision for over a month now. They have started charging new monthly payments for XXXX and XXXX. We just want this cleared. My mortgage was sold to Carrington in 2020. This is our loan number : XXXX. XXXX provided me with the final principal balance including all fees. That balance was {$330.00} which satisfied. After my loan was sold to Carrington, I was informed that I now owe {$2900.00}. Carrington also incorrectly applied my escrow credit to these fees. I want reimbursement & resolution. Sincerely, Mr. XXXX
04/14/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 335XX
Web
For the second time now Carrington Mortgage has come through on my bank account 2 days earlier ( agreement date is the 16th of every month ) then our agreed upon date. Causing overdrafts as well as locking up my account. Their document, which I have attached is by Carrington, clearly states the money will never be drafted prior to date submitted on AHCAuthorization form, XXXX : //www.carringtonms.com/XXXX-ACHAuthorization.pdf Per Carrington 's agreement form : " Once your Automatic Payments have begun, your payment will not be debited prior to the dates you selected on the authorization form. However, payments may periodically be delayed by weekends, holidays or administrative interruptions. You understand that CMS will continue to debit my account for the full term of your note or until you provide notice that you wish to cancel automatic payments ''. I called them the first time this happened and they assured me they'd correct it but they did not. I called bank this morning and they told me they have nothing to do with the date the payment is withdrawn and if it's withdrawn early ; it is because the mortgage company sent it early. *Bank Statement on XX/XX/18 attached and shows overdrawn status.
11/06/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 44240
Web
My mortgage was sold to Carrington. Prior to the selling I made my monthly payment online and timely. Now Carrington has added fees to pay online so my only option is to go back to the 1990 's and mail them a check monthly. This past month, I mailed my check on XX/XX/XXXX, on XX/XX/XXXX I started getting phone calls and messages from Carrington about credit counseling. Monday XX/XX/XXXX I checked my bank account and I saw that carrington had cashed the check electronically. ( if I do that there is a fee ) The money was out of my account, so this reminded me to call them. When I called them I was told they are a debt collector, they told me my payment was late! I told them they have there money and I have till the XXXX of the month. I was then told my payment was going to go up as a result. I was informed over the phone that my new payment was {$810.00} instead of {$790.00}. I was told they are a debt collector and they now need 2 months escrow instead of the 1 month XXXX had in the loan origination agreement. In short, Carrington is not XXXX, they do not do anything to reduce paper use without charging the customer, They took / bought mortgages and are not complying with the original agreement.
11/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60640
Web
I am unable to get requested details or have a clear conversation with this loan servicing company. I have requested to speak with a point of contact regarding the loan which is in foreclosure. I have asked for an escrow history and was told only 2018 was available.Yet, at the same time, I was told that escrow analysis is done annually, but because the loan is in litigation and so far in default, all that was available was 2018.I am expected to accept Carrington 's calculations and add on fees without question. I have requested a copy of the XXXX XXXX ( original loan holder ) settlement with the state of Illinois and was told by XXXX, XXXX ID XXXX ) that only my attorney could request such documents. However, to date Carrington continues to have the lawyer originally retained 4 years ago listed on the account. Numerous attempts have been made to update the file with the current and correct attorney to no avail. I was again told on XXXX, XXXX that a third party authorization was needed Yet, previous authorizations have never been updated. This company contradicts itself in every phone call and lacks transparency. Please see attached confirmation of my experiences from a certified HUD counselor.
04/05/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37865
Web
I received a phone call around XXXX XXXX a couple of months ago regarding my ex-husband 's wife 's mortgage account with Carrington Mortgage. Informed the company of the situation and they said they would take my name and number off the list. Called Carrington Mortgage the next day and they said that I would have to talk to my ex-husband to have my phone number removed. Spoke to a supervisor and a very heated discussion and informed him that I had been divorced for 17 years and did not sign any paperwork on this mortgage and finally he agreed to remove my information. Last night XX/XX/2018 at XXXX received another call asking for her and informed them of the same information and the person hung up on me. Contacted my ex-husband and told him this need to stop and he said he would contact them on XX/XX/2018. He is not sure how they are getting my contact information. If you call the number back that is contacting me, it says that there is an account associated with my phone number and to enter the last four of the social security number. This is a mortgage on her family home that they purchased from her parents after they were married. I have nothing to do with this mortgage or signed any papers.
03/12/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 22406
Web Servicemember
I made a electronic payment online with my bank on XXXX XXXX, 2016. My bank notified me on the XXXX XXXX, 2016 and told me the payment will be rejected due to an error on the bank not telling/or putting it in writing that thier customers can not set up payments with all accounts. I contacted Carrington Mortgage to inform them of this and I was told that as long as I get the payment in I will be fine. I went to a XXXX XXXX at XXXX and paid the mortgage payment as soon as I disconnected with Carrington Mortgage. I called Carrington Mortgage back and informed them of that the payment was submitted and they confirmed they received it. I then spoke with the manager XXXX who informed me that I would need to send in the information in pertaining to my bank so it does n't go on my credit report. I sent the information in and called and confirm they received it. I was told by the resolution department and the manager that this would not go my credit report, but Carrington Mortgage sent me a letter today informing me that the late payment will go on my report even though it was my bank'statement fault and provided a letter showing that. My fiance and I are XXXX and Carrington is treating us very horrible.
04/11/2023 No
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 13820
Web
My dad passed away 7 years ago, my mom 2 years ago. I was living with my mom taking care of her when she passed. For over a year I have been trying to get the mortgage changed to my name. Everytime we get a step closer the company comes up with something else I have to do but fails to get me the papers on time and has to resend them, but then does not extend the time for me to get them in. I was then told I need to make a payment on my parents mortgage which in not yet in my name but then was told I do not have to pay anything until it is in my name. I call and only 2 times in the year did they allow me to talk to someone in the dept I needed. The company is in California and I am in NY. They make it impossible to get anything done. I have no idea what to do now. I got the last of the papers in they needed to switch everything to me then they said they didnt get them, but they had the deed that was in the packet I mailed them so it doesnt make any sense. I then got the new ( same ) papers mailed out and still have not heard anything. Carrington Mortgage Services is awful and I am at my breaking point. I have XXXX XXXX both with health issues and cant afford another lawyer to help me with them.
09/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 210XX
Web
I am an attorney in Maryland representing XXXX XXXX XXXX and XXXX XXXX relative to their primary residence located at XXXX XXXX. in XXXX XXXX, XXXX. On their behalf, my firm has been endeavoring to obtain a loan modification from their lender, Carrington Mortage, for the XXXX since XX/XX/XXXX. Unfortunately for the XXXX they have been thwarted or denied for said loan mod. not for anything on the merits relative to their financial wherewithal, but rather due to " incomplete packages '' which is frankly plain not truthful. What is occurring is that they keep asking for " new '' paystubs for XXXX XXXX after they take so long to review the overall package that the paystubs ( which do n't actually change ) go stale. It is, simply put, Carrington 's inefficiency that causes the paystubs to go stale, and they in turn determine that the package is then incomplete. The lender 's lawyers, XXXX XXXX XXXX, XXXX XXXX, are not willing to do anything about this clear strategy of denying my clients without actually reviewing their package. All this from a lender who took TARP money knowingly and willingly. THERE IS NOW A SALE SET FOR XX/XX/XXXX which they are not willing to cancel. Hence, this complaint.
05/06/2016 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • CO
  • 80015
Web Servicemember
Since I submitted my prior complaint ; ref ( complaint number XXXX ). I have XXXX more issues : in order for my lending to process my loan, Carrington Mortgage had to transfer the Appraiser, Carrington Mortgage refused to do this until I paid {$600.00} which according to them was the cost of the appraiser. I mailed in a Cashier check for {$600.00} to Carrington Mortgage. The Appraiser is now transfer to my lender who informs me that they were notified that the appraised has not been paid and payment had to be made before the process could continue. The actual appraiser fee was actually a little over {$400.00} not the {$600.00} I sent to Carrington Mortgage. This is ridicules that a company will falsely charge me money. In addition to this, Carrington Mortgage continued to email me stating that they would beat any offer that was given to my by new lender, this was propose to my several times and I have the emails to prove it. I responded that I was no longer interested and that I was not happy with their services. Now I received a letter in the mail stating that I got a negative report in my credit score because Carrington Mortgage disapproved my credit after the fact. This is outrageous.
08/28/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 60443
Web
HELLO, RE ; CARRINGTON MORTGAGE - LOAN # XXXXI AM SEEKING YOUR HELP DUE TO THE FACT THAT IT IS OVER 3 YEARS TRYING TO GET HELP TO MODIFY MY MORTGAGE IN ORDER FOR ME TO AVOID FORECLOSURE. IN XX/XX/XXXX I WAS PLACED UNDER REVIEW FOR THE FHA HAMP PROGRAM, IT TOOK 1.5 YEARS TO FINALLY GET APPROVED. AFTER I WAS SET ON A 3 MONTH TRIAL PAYMENT OF A REDUCED MMONTHLY PAYMENT. MY LOAN WAS SOLD TO CARRINGTON MORTGAGE, NOW AS OF XX/XX/XXXX CARRINGTON MORTGAGE REFUSE TO CONTINUE HONOR THE PREVIOUS LOAN MODIFICATION AGREEMENT AND THEY MADE ME RE APPLY ALL OVER AGAIN. AFTER 10 MONTHS UNDER REVIEW REQUESTING FOR THE SAME DOCUMENTS OVER AND OVER AGAIN, I FINALLY GOT ASSIGNED TO A NEGOTIATOR. NOW THE CURRENT NEGOTIATOR TOLD ME THAT IT IS NOT ON THE BEST INTEREST OF THE INVESTOR TO HELP ME KEEP MY HOME AND BECAUSE I AM CURRENTLY SEPARATED THE INVESTOR HAS THE RIGHT TO REFUSE TO MODIFY MY LOAN. PLEASE HELP SINCE MY LOAN WAS PREVIOUSLY APPROVED FOR A TRIAL PAYMENT UNDER A GOVERNMENT LOAN MODIFICATION AND IT IS NOT FAIR THAT BECAUSE CARRINGTON DOESNT LIKE MY HARDSHIP I WILL HAVE LOOSE MY PROPERTY. PLEASE HELP, MY FAMILY AND I WILL NOT HAVE NO PLACE TO LIVE IF CARRINGTON TAKES AWAY OUR HOME. XXXX XXXX
07/02/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • XXXXX
Web
The mortgage was originally opened in XX/XX/XXXX and was service released to Carrington Mortgage in XX/XX/XXXX. I heard of no issues during this transfer as all payments were automated. Once it got transferred over to Carrington i did not have visibility to the account and was not reporting on my credit report like it was supposed to. I faxed a letter into their research department that only communicates through fax or mail. It finally started showing up a couple weeks ago and it showed that it was 30 days late. Once in finally got portal access into Carrington the first payment reported was on XX/XX/XXXX, and then the next payment was shown for XX/XX/XXXX, but the next payment due date was for XX/XX/XXXX for twice the normal amount, and i noticed this on XX/XX/XXXX. There is some billing system error that needs to be corrected as everything should be current and ontime with the next payment being in XX/XX/XXXX. When i tried to contact Carrington to discuss this, the reps on the phone could not do anything and they just tell me to fax or mail in the dispute and wait. For this kind of error, i would hope they would be willing to work with the customer to fix it, since it is on their end.
06/18/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 146XX
Web
Carrington Mortgage Service acquired my mortgage from Citimortgage about 8 months ago. Since that time they have created many different problems for me overall being unable or unwilling or both to process their own documents and to resolve the issues. The issues have included requiring me to refinance my mortgage because the overall portfolio they purchased had too much risk, being unwilling to set up the auto payments through my bank to ensure on time electronic payments despite me filling out the paperwork XXXX ( XXXX with a notary public ), charging me extra fees to make payments just to keep my account up to date due to their own inability to process their documents, offering online bill pay through their website which never actually is able to process a payment, forgetting to close out the previous loan account which they required me to refinance which led to massive confusion about wether I had a loan with them or not, and the list goes on and on. This company has been torturing many americans over the last few months as can be seen based on XXXX personal reviews written all over the web describing similar problems after each person had their mortgage acquired from larger banks.
08/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30075
Web Servicemember
XXXX XX/XX/XXXX Carrington Mortgage Services LLC received our {$1500.00} XXXX XX/XX/XXXX payment as our Bank XXXX would send Mortgage checks to Carrington 3 days prior to my payday. Carrington said they DO NOT carry forward any payments. Later in XXXX my credit report took a large hit for a missed payment of XXXX XX/XX/XXXX. XXXX 's payment was received by Carrington XXXX XX/XX/XXXX. Now the Delinquency Notices started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Then came the letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each letter stated Our records do not show receipt your payment. The Spreed sheet from Carrington 's website tells the truth. They lied about XXXX 's payment to the credit agencies ... In XXXX I requested and AUDIT of our loan. I submitted 25 Months of records of payments to carrington. XX/XX/XXXX to XX/XX/XXXX. My evidence showed all on time payments, XX/XX/XXXX the AUDIT concurred with my findings. Yet harassing phone calls and mails continue. No one understands the audit. Last week I faxed proof of on time payments for XXXX and XXXX. My Wife and I are insulted by Carringtons ignorance to the law. Today the harassment continues
07/14/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • XXXXX
Web
Our home was significantly damaged in Hurricane Ian on XX/XX/XXXX. Our homeowners insurance released the last portion of our payout, totalling around {$44000.00}, to our mortgage company, Carrington Mortgage, who then turned it over to Carrington XXXX pending inspection for release of funds. On XX/XX/XXXX we had our inspection, on XX/XX/XXXX we were notified that our repairs were at 91 %, and that the remaining funds ( approx. {$44000.00} ) would be released to us. On XX/XX/XXXX, the check was denied, and they are now demanding another inspection based on the same appraisal they already had inspected. We have used everything from the insurance money, personal savings, and also funds from our business to complete repairs. We do not have the funds to complete anything else without this payment. After speaking with multiple supervisors, we just keep getting the run around and are repeatedly told that we need another inspection despite our payout already having been approved. This is beyond the realm of ridiculousness. They did not help or cover any of these repairs and are not entitled to a single cent of this money. It is needed to complete our repairs before we get another storm.
09/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30507
Web
On XXXX XXXX of XXXX, I contacted my mortgage company after receiving a statement with a balance of XXXX. Since then I have had concerns and questions about it and I still have not received any answers. I have been a victim of an unlawful foreclosure. I have called numerous times and spoke with reps and supervisors before the sale date, which was on XXXX XXXX. They only lied and guaranteed me that they would do their research and call me back. Needless to say they did not. I spoke with the foreclosure attorney and he gave me his direct contact number after I told him everything I have paid out and my issues. He even realized that something fraudulent had taken place. He also told me that he would call me in a couple of days after his research and if not to call him. He did not call so I called him and left a message. He did not return my call, so I waited another day and called him back and now he has an invalid number. My initial question was, why is my mortgage company charging me for arrears that I paid through my bankruptcy, in the amount of XXXX. It was completed and I was XXXX in XXXX XXXX. I also had a loan modification in XXXX which should have taken care of those arrears.
03/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93940
Web Servicemember
Carrington Mortgage Loan : XXXX I am an XXXX XXXX XXXX. I was stationed overseas until late XX/XX/XXXX. Prior to deployment my mortgage was with XXXXXXXX XXXX. Each month XXXX XXXX automatically debited my bank account. My XXXX orders were extended from XX/XX/XXXX to XX/XX/XXXX because of the Russian/Ukrainian crisis. When I returned home in late XX/XX/XXXX I learned for the first time that XXXX XXXX had transferred my loan to Carrington Mortgage sometime in XXXX. Carrington Mortgage did not automatically debit my account. Instead, Carrington Mortgage said I was delinquent and reported delinquencies to the credit reporting agencies. When I first learned about the delinquencies and the past due amounts I immediately paid what was owed and I set up auto-pay with Carrington Mortgage . However, Carrington Mortgage refuses to remove a 90 day delinquency from my credit reports. I have never had a single late payment in my life on any account. I am worried that this delinquency may jeopardize or have consequences for my nearly 18 years of XXXX XXXX XXXX Given the circumstances of my XXXX, I respectfully ask that any and all delinquencies being reported by Carrington Mortgage be removed.
03/19/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 93612
Web Servicemember
I was offered a trial modification by my servicer - Carrington. I accepted the offer. The first payment was due in the month of XXXX. As a member of the XXXX XXXX XXXX XXXX, I received 30 day XXXX in the month of XXXX. None-the-less I called Carrington to make the XXXX trial modification payment over the phone. Carrington refused to take the payment over the phone but instead demanded that I send via XXXX XXXX. Because of my service I explained to Carrington that I would have limited access to XXXX XXXX and I faxed my XXXX. Carrington stood firm in their unreasonableness. I was able to get to a XXXX XXXX office on XXXX XXXX, but Carrington refused to accept the payment because they claimed it was late. My Authorized XXXX Party representative called Carrington on XXXX separate occasions - XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. The purpose of each call was to determine whether or not there was a scheduled foreclosure sale date. Each time the Authorized XXXX Party Representative was told there was not a foreclosure sale date. Carrington completed a foreclosure sale on XXXX XXXX, 2015. At the time of the foreclosure sale I remained out-of-town due to the XXXX mentioned above.
02/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 483XX
Web
We completed a short sale on this home XX/XX/17 and Carrington Mortgage was paid {$35000.00} from the short sale proceeds. The XXXX at the time of closing was {$58000.00}. The client has now received a XXXX saying she is being forgiven of {$79000.00}. Although we understand the XXXX is not the same as the payoff quote, we don't understand how there is such a discrepancy. I contacted Carrington on XX/XX/17 via phone and asked for clarification on the {$79000.00}. The rep told me she would have it researched and I would have a response in 5-7 days in writing. I never heard back from Carrington and our client can not file her tax returns without the correct information, so I called again today. I was on the phone over 3 hours and transferred back & forth between collections, customer service, short sale and the tax department. All parties indicated they can not see any information and are unsure where the number came from. So Carrington has issued a XXXX with information that they have no basis for?? The last rep indicated it is my responsibility to prove they are wrong by faxing in a dispute. I have just done so, however this is further delaying my client in filing her return.
08/01/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30122
Web
In XXXX 2015 my husband and I requested a loan mortgage modification with our current mortgage servicer, Carrington Mortgage, but we were denied in XXXX 2015 ( we have a VA loan ). We had no choice but to pursue a short sale, which we discussed with Carrington Mortgage. We completed the required paperwork and obtained a realtor to process the short sale. We moved out of the home in XXXX 2015 to prepare the home for viewing by potential buyers. The realtor submitted the short sale paperwork to our servicer. On XXXX XXXX, 2015, the realtor contacted the servicer with updates. We received an offer today ( XXXX/XXXX/2015 ) for the home and signed to paperwork. My husband went to the home to mow the lawn and discovered that the lock box was cut off the front door and the locks were changed without our knowledge. We never received a letter from an attorney regarding a pending foreclosure sale. We are very upset because we were not notified the servicer would take possession of the home because we were in the process of trying to sell the home, which we have received an offer. I believe they have violated Georgia laws regarding home possession. We are trying to avoid a foreclosure.
01/25/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NE
  • 681XX
Web
Carrington Mortgage has lost my XX/XX/XXXX & XX/XX/XXXX payments. it has been 47 days and they still can not find the monies. They have sent me a Right to Foreclose letter, even though they received both payments on time. I have sent in verification of payments, my bank has sent in verification of payment, i have faxed in checking statements, spoken to multiple people and still no resolution. The loan was refinanced by them XX/XX/XXXX - I have provided both the old and new loan numbers and they still can not find my payments. I can not get any Supervisors to return my phone calls and the Escalated Payment Resolution representative will not return any of my emails. I will mention XX/XX/XXXX when I refinanced my loan for a lower rate, I did not realize they provided me a new loan number. That being said, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were all processed correctly. They can not tell me why beginning with the XX/XX/XXXX payment the issue began. The level of customer service and communication is deplorable. I work at a bank myself in the loan department and not once have I seen it take this long to find a missing payment - nonetheless XXXX missing payments.
03/16/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 95407
Web
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
04/07/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08330
Web Older American
Carrington mortgage began servicing my mortgage in XXXX Since then they have done everything in their power to take possession of my home something I worked so hard to acquire I have a loan modification that started in XXXX from XXXX XXXX XXXXXXXX. XXXX XXXX dollars was set aside to be paid in XXXX but Carrington mortgage denied my loan modification In XX/XX/XXXX even though I was current on my mortgage payments they filed foreclosure paperwork The check that I sent them for XXXX was returned after 2 weeks They received the check on XX/XX/XXXX They forced me into foreclosure I had to hire an attorney who promised me that I would have my day in court That day never came XXXX I was infected with XXXX XXXX twice I was in the process of doing a Flex Modification with XXXX XXXX XXXX when I received a Sheriff sale notice Since then they want to add XXXX to my mortgage balance They said I havent made any payments The mortgage amount increases every month My taxes or Insurance have not increased They are not applying my payments They are charging the amount due after I make a payment I pay with customer service I have not made any partial payments I have had this home since XXXX
10/22/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WI
  • 54913
Web
Carrington Mortgage Services LLC is the loan service provider. XXXX XXXX holds the actual loan. Carrington can't tell me anything regarding my loan. I was told there's specific steps regarding foreclosure when an FHA loan is involved. But, yet, the customer service rep couldn't explain the process/steps. She said we can't go directly to liquidation, i.e. short sale or sheriff 's auction. Auction date is set. She couldn't tell me who set it. She refused to transfer me to underwriting. She then blamed me for not getting paperwork in. I informed her, that no one from the company until 1 month ago, had ever informed me that the " mortgage assistance '' paperwork was still required, even if I wasn't seeking mortgage assistance. She said it was my fault for not following directions.I asked to speak to a supervisor. I was denied. I asked to be transferred to underwriting. I was denied. I couldn't get any information from this person, other than to have them blame me. I was told that I didn't approve my realtor as a 3rd party authorization. However, when I log into my online account, it clearly shows that I authorized my realtor, along with my attorney. This company is horrible.
07/10/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 23701
Web Servicemember
As an XXXX XXXX XXXX in the XXXX XXXX, I obtained a VA loan through Carrington Mortgage. During thXXXX XXXX XXXX I sought XXXX financial forebearance relief from Carrington Mortgage . I was under the impression that I received a forebearance but have now been told that I still had to make payments during the forebearance period. This was not told to me when I sought assistance from Carrington Mortgage. I have been deceived numerous times, and reported negatively to the XXXX major credit companies. Carrington customer service refuses to accept payments that Ive attempted to make, locked me out of the online payment system, and are now stating they intend to foreclose as they want all payments to be made and will not accept a payment less than the total amount due during the relief period. They have also added penalties and late fees and will not allow me to make ongoing mortgage payments. During XXXX I underwent XXXX XXXX XXXX and almost died from XXXX XXXX. My wife and I also lost a mother and aunt during XXXX and my childhood home caught on fire and killed my brother. I have since been deemed 100 % XXXX and am at risk of losing my home due Carringtons deception.
10/26/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 132XX
Web
I represent the homeowners in pending foreclosure litigation. On XXXX XXXX, 2015 I received a short sale denial letter from Carrington Mortgage Services , LLC, dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirements for Short Sale Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. On XXXX XXXX, 2015, I received a deed in lieu denial letter from Carrington dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirement for Deed in Lieu Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. The reason given for denial for both short sale and deed in lieu is wholly inadequate in that it lacks any detail and does not provide any basis for correcting any inadequacy or challenging the denial. The time given to appeal is wholly inadequate in that I received the denial letters two days after the appeal deadline. On XXXX XXXX, 2015, I wrote to Carrington 's attorney stating the above and to date I have received no response -- including no reason for the denial and obviously no way to remedy any legitimate deficiency in my clients ' application.
05/07/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • KS
  • 67846
Web
XXXX XXXX and XXXX XXXX have sent Carrington Mortgage multiple different mortgage modification packets. They continue to claim they don't receive the right information. XXXX has kept thorough records of everything that has been sent numerous times. The latest letter is dated XX/XX/19 and is asking for more documentation to be sent by XX/XX/19. This is humanly impossible. The sherriff 's sales is set for XX/XX/19 and they can not trust that Carrington Mortgage is going to try to work with them due to the multiple times of sending informaiton, not having a single point of contact, and no options. XXXX and XXXX 's original mortgage was with XXXX XXXX XXXX which was later sold to Carrington Mortgage. XXXX and XXXX can now afford the mortgage payment if Carrington will agree to a special modification of putting the past due on the back of the loan and setting up a new payment arrangement. The approx. value of the house is {$160000.00} and they owe approx. {$120000.00} due to the very large down payment they made originally. It is a FHA loan. Please help us to get Carrington Mortgage to provide a fair and equitable service. Thank you in advance for helping us.
09/22/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
Web Older American
I sent a letter to your company for help dated XX/XX/XXXX, because I applied a Loan Modification Reduction of Principal in XXXX to XXXX XXXX XXXX because the property decline in value and this is our primary residence.The original Principal balance in XXXX when I bought the property was {$600.00}. The Loan was transferred to Carrington Mortgage Servicing and. I initiate applying a Loan Modification Reduction of Principal I received a Monthly Bill Statement and I am making a payment of XXXX for the month of XX/XX/XXXX and for the month of XX/XX/XXXX {$1800.00}. My outstanding balance is {$330000.00} and I made a total payment of {$340000.00} based on the Statement I received from XXXX XXXX XXXX. The Market Value is {$420000.00} and instead of helping me Carrington Mortgage Services denied my application and close my file and put my property in Auction and sold my property back to XXXX XXXX XXXX XXXX XXXXXXXX and make a profit of {$88.00} XXXX and I did not get a single XXXX. I am asking your full and kind consideration to help me please in this matter. Please refer to my letter I sent to your company CFPB dated XXXX XXXXThank you. Respectfully yours XXXX XXXX XXXX
12/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30066
Web
Consistent and ongoing problems with making monthly payments. My account number is frequently responded to as " invalid '' along with my phone number, both of which have remained unchanged during the nine years I've had my loan with this company. My attempts to resolve such issues require massive amounts of time that I can not spare on the telephone and are always temporary, as it is a recurring problem. Their files are slow to update payment information that I've made which has already been confirmed by my personal bank. The only payment option that doesn't add a $ XXXX/month 'fee ' is their AutoDraft option, which would require me to give them access to my bank account which I'm entirely uncomfortable doing, given their nine years of apathy, lack of customer service and administrative incompetence. They shouldn't be able to force me to add a {$10.00} fee to every payment. These same issues have to be resolved almost monthly with hours spent on the phone to get results. I've tried to communicate the problems to their customer service representatives, but with no resolution and they refuse to allow me to speak a supervisor or anyone else in a position of authority.
03/23/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 350XX
Web
I sent a check to Carrington Mortgage in XX/XX/2020 in the amount of {$360.00} ( ck # XXXX ) satisfying my XXXX payment. Next, I got a letter from Carrington Mortgage saying my account was in Foreclosure and demanded {$810.00} dollars for the account to be current. I promptly sent {$810.00} dollars with check # XXXX. Both Check # XXXX ( {$360.00} ) and Check # XXXX ( {$810.00} ) have cleared my bank. This puts me paying a total of {$1100.00} to pay a bill that was really only {$360.00}. However, the 3 credit bureaus have contacted me saying that my credit score has been lowered due to a report by Carrington Mortgage. I suspect the heart of the controversy and damage to me begins with the Carrington Mortgage Payment Processing Center. Perhaps the scheduled 2020 change in payment amounts due to the escrow shortage made the Payment processing center place my XXXX payment on some sort of hold? Has Carrington had some staffing problems with the Arizona processing site? Please investigate this matter and treat me fairly. As stated above I have paid a total {$1100.00} on a mere {$360.00} due but because of Carringtons actions, I now have a lowered credit score.
03/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 117XX
Web
I did not know any better, I has a XXXX, but I still had income. First it was - I could not get any information about my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Paid then {$10000.00} Second - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Paid them {$9500.00} They put a cease and desist on my account. I could not speak to the bank concerning my mortgage at all. The bank would only speak to anyone except an attorney. After the first fight I had with XXXX XXXX XXXX and I refused to pay anymore money to them I had to get help. XXXX XXXXXXXX XXXX XXXX and they all promised 100 % that I had all that was necessary for a loan modification or some type of workout because I had income. It never happened. my home was put in to foreclosure with a sale date. I finally got into my account and now I submitted documents to be considered for a modification. I get a pension and I have a job. I don't know what went on when I had no communication concerning my account, but I am asking that Carrington will allow me to get everything they need before they put another foreclosure sale date on my home. Thank You.
07/07/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 11566
Web Servicemember
Carrington Mortgage Services deliberately lied to XXXX stating that I had surrendered the deed to my property to them in leiu of a foreclosure and that my home was in the process of being liquidated. They refused to correct the error on my credit report when asked to do so on XX/XX/2021 even though their customer service dept verified that I was entitled to a temporary forebearance due to my application for Mortgage Assistance not being able to be completed due to a COVID19 issue. COURTS were closed due to executive order, keeping me from being able to submit records to Carrington and the FHA needed for my loan modification application to be completed and processed. In addition this change that is saying my property is set to be liquidated was made as a scare tactic to get me to fork over money when I am not to have anything done to me regarding any foreclosure, until XX/XX/2021. The moratoriums on evictions and foreclosures are in place until then. This false reporting, etc. was made in XX/XX/2021. As a result of this situation, I had to pay {$750.00} in attorneys fees, in order to have a lawyer get involved just to remove errant info from a credit report.
03/20/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32137
Web
Loan # XXXX complaint against Carrington Mortgage services Subject- I do made a paying regularly. In 8 years never late but mortgage company didn't post my payment. Hello. I brought home in XXXX, since then made the payment on time. I use to made payment to chase mortgages at XXXX, but XXXX sold my account to carrington mortgages, Since XXXX. XX/XX/XXXX I am making payment to carrington mortgages. Payment made by EFT first week of every month. I was shocked when find out my payment not post and but my account 1 month behind. I spoke many time to carrington services and told them there was payment made every month, After all going thru this I made another {$700.00} payment to carrington, in XX/XX/XXXXI made 13 payment. In XX/XX/XXXX I made 3 payment but carrington online account showing only 1 payment. My monthly payment is {$500.00} because removed house tax removed from my mortgage account. 1 -My complaint is carrington should refund my {$700.00} from XX/XX/XXXX because I made 13 payment. 2- In XX/XX/XXXX carrington should post my 2 payments because it is paid each payment was {$500.00}. Please call me if there is any question. I have receipts. thanks
10/02/2023 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33063
Web
Hello, I have filed 3 previous complaints with the credit bureau regarding Carrington Mortgage. Carrington Mortgage bought my mortgage from XXXX XXXX XXXXXXXX somewhere around XXXX or XXXX. The home was foreclosed in XXXX. There was a surplus owed to me in the amount over {$21000.00}. But the money was not given to me. In other words the home was sold for more than it was worth. In XXXX, I submitted an application for an apartment and was asked if there was a second mortgage on the previous home. I said no. in fact, I lived in the home that was foreclosed on for 20 years and never took out a second mortgage. Lately, I have been receiving monthly emails from Carrington Mortgage. XXXX XXXX alerted me that Carrington Mortgage is on my credit record as active. The credit bureau has not dealt with this issue. The credit Bureau note to my credit reported that the matter was resolved. The credit Bureau has never reached out to me via email, us mail nor by telephone to inquire about the matter. I do not owe any money to Carrington Mortage and the report show show that there was a bankruptcy in XXXX. Thank you for your help. XXXX XXXX formally XXXX XXXX XXXX XXXX XXXX
01/04/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AR
  • 71730
Web
I was given misleading information on my morgage forbearance i was applying for under the misdirection of each carington agent i spoke to for almost 2 years. I was miss lead by carington morgage agents 1000 %. I almost lost my home. My home went into foreclosure. I took a personal loan out to pay them the full amount they demanaded which was the only option they gave me XXXX in full. In XX/XX/2022 payment was made and account XXXX. I made my payment of XXXX in XXXX. They have now sent me my morgage bill stating i owe them another XXXX for late fees. Please help me. I have paid them so much money that is unaccounted for. I feel i can do nothing because this is my home. My credit is ruined, i have paid them the extream amounts they have asked but they continue to add misallnious late fees for the morgage payments i was trying to fill out for to get assistance. They told me incorrect information and times. Then put a dead line on it and told me my home was in foreclosure. Pay this full amount. They wouldnt even take a single payment. Demanded total in full. I had no choice but to take a personal loan out to pay them. Now 2 months later i owe another XXXX help me.
12/30/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MD
  • 206XX
Web Servicemember
I refinanced my home in XXXX with Carrington mortgage. At the time of the refinance I didn't have an escrow with my mortgage. I was lead to believe after closing I could remove the escrow account. In XX/XX/XXXX I sent written request and evidence of prepaid home owners insurance. The request was denied. I was told the mortgage had to be 6 months old. I wouldn't be eligible until XX/XX/XXXX. On or about XX/XX/XXXX I called customer service and they told me I was eligible as of XX/XX/XXXX to close the escrow account. I faxed over the request and it was denied. Carrington said I was more than 30 days late and the account had to be bought current. I researched and found contrary information. I've called and spoken to customer service, the escalation team and the corporate office. No one has been able to provide the statues or regulation that support their decision. According to what I can find my escrow should have been closed back in XXXX. I am exempt from personal property tax because I am aXXXX XXXX XXXX XXXX veteran. My homeowner 's insurance was paid in full in XXXX of XXXX and will be paid again in full in XXXX of XXXX. I have no need for an escrow account.
02/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WI
  • 53209
Web
My mortgage account was sold from XXXXXXXX XXXX to Carrington Mortgage Services , LLC ( XXXX. XXXX XXXX ) XXXX, TX XXXX. Since my loan has been sold to Carrington Mortgage, I have experienced several incidents that have happened where the Company can not explain the misappropriation of funds that are being sent. After speaking with several representatives at the company, there is no one that can precisely explain why my monthly mortgage is not being applied and processed. 1. I have several concerns with my monthly Mortgage money that has not been applied to my account. 2. My monthly mortgage payment amount is being changed without any notification or justification. 3. The monthly amount that is being paid is not applied to the applicable areas appropriately ( Escrow, Principal, and Homeowners Insurance ). It appears on my statement that is broken down into separate payments and not applied entirely. 4. Incorrect escrowing has caused a shortage of my property taxes. 5. Payments not being processed accurately or in a timely manner. 6. Customer service provides fraudulent information about my account, that contradicts my personal banking statements.
06/11/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 43232
Web
A few months ago, I noticed that my current mortgage company, Carrington Mortgage Services LLC, tried to deduct funds from the wrong account ( savings instead of checking ). As soon as I found this, I tried to contact them multiple times to correct this error. They refuse to respond to my E-mails or return my calls. I 've made every attempt to resolve these issues with them but they refuse contact me or work with me in any way. My online payment option has been disabled and they wo n't accept any form of digital payment ( over the phone or otherwise ). Currently, they are forcing me to send them cashiers checks via mail. This is a big problem for me since I have a job in which I may be away from home ( and my bank ) for several weeks at a time. I recently tried to refinance my mortgage through another company to get away from them. However, they reported that I made my payments late to the credit bureau and I was n't able to get my loan approved ( all delays were caused by the mortgage company ). I have copies of my past E-mails where I attempted to contact them and bank statements showing that I 've always had more than sufficient funds to make my payments.
02/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19131
Web Older American
Carrington Mortgage Services claim I did not pay my XX/XX/2020 mortgage payment even though a hard copy check was mailed to them XX/XX/2020 in the amount of {$540.00} and my XXXX XXXX XXXX statement clearly shows the money was withdrawn out of my account. According to customer service it is up to me to provide proof I paid and until then I will receive a late fee and will have a negative report sent to the credit bureau on XX/XX/2020. XXXX XXXX XXXX shows the check posted XX/XX/2020. I printed out my XXXX checking account statement and faxed it to them as proof as they requested. Also my XXXX account says " No image is available for this check because it was processed by the merchant as an electronic transaction '' and provides a check number and tracking numbers. Apparently this is now not good enough proof as I have been calling Carrington Mortgage Services daily and am told I have to get an image of the actual check. I requested XXXX customer service to do further research and try to find a picture of the check or at least more details. They stated this could take up to 2 weeks and they can only mail it to me. In the mean time my credit will be affected.
07/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95965
Web
My loan was sold from XXXXXXXX XXXX XXXX to Carrington to which I was never informed, never sent any notices regarding changes to my loan and payments. I sent payments to XXXXXXXX XXXX XXXXXXXX and after 4 months I was finally told my payments were not being applied as my loan was no longer with XXXX XXXX XXXX. I can not find any assignment recorded showing the loan was transferred yet Carrington claims now to be the servicer of the loan. When I reached out to Carrington they told me to submit documents which I did, during the time I was submitting documents and being reviewed for loss mitigation options, they proceed to file the Notice of Default and Notice of Trustee sale on my property despite that I was in an active loan modification review with them. Now I am facing a foreclosure on XX/XX/2018 and they denied me even though I have the income to make my payments and fully intend to keep my home at all costs. I was never assigned a single point of contact nor did Carrington ever attempt to reach out to me to offer assistance, I had to call them once I found out they were even my lender. My HBOR have been violated and I fully intend to seek legal action.
03/19/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 640XX
Web
I have been making payments to Carrington Mortgage Services for 2 years. My home has recently been foreclosed and sold, without my knowledge, and without my being allowed to rectify whatever problems thay are claiming there are with my payments. I received a form recently in the mail saying that my loan was in foreclosure, and when I called the company, I was informed that the house had already been sold to to their sister company! I also just received a check from them refunding my last few months of mortgage payments. THIS CA N'T BE LEGAL! I NEED HELP! I have called lawyers, bankers, judges, and everyone that I can think of in hopes that someone can help, but no one seems to be sure what recourse I have against these people other than trying to buy my mortgage back? Again, please help. I am a single mother of XXXX who works nights as a XXXX and this house is the only equity that I have. If it is stolen from me, I will have nothing to show for a decade of mortgage payments on a house that I personally designed and built. This company appears to have the legal authority to do what they have done, but I have not been informed why or how they have foreclosed.
03/22/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 39702
Web
on XX/XX/2022 we sent an application for mortgage assistance. we spoke with carrington several on the phone and they informed us of all paperwork they needed. they mailed a letter stating they needed additional paperwork and in this letter did not communicate what else they needed. I called them and was told they needed awards letter for social security and pay stub for myself. I inform her that i do not get social security XXXX and my new employment with XXXX XXXX pays once a month and it would be another month before I receive my first paycheck. She said ok write that out and send it to them. we then received a letter dated XX/XX/2022 saying our application had been cancelled. we called them upon receipt of letter and was told 30 days had passed and we had not given them all required documents. On XX/XX/2022 we submitted another application with all the required documents. we received another letter dated XX/XX/2022 saying that my documents were more than 90 days old. **** please see dates on documents*** We have constantly gotten the run around with carrington Mortgage with our mortgage assistance application. This company has very poor communication.
05/19/2021 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • XXXXX
Web Servicemember
According to Carrington Mortgage Company , the assistance program that is put into place due to COVID-19 and covered under the CARES ACT to protect homeowners in need during this critical time : Carrington stated that during the forbearance period for all loans that customers would not be required to make a regular monthly payment, would not assess any late fees or other fees, and the current credit reporting status would remain the same every month during the forbearance plan. Before the pandemic, we never missed a payment and had no late or any other fees attached to our loan. Our credit report has been seriously damaged due to the negative credit reporting by Carrington. We are currently still in the forbearance due to Covid and the winter storm in Texas. Our credit report shows an increase of ( {$1600.00} XX/XX/XXXX ), ( {$4900.00} XXXX XXXX ), ( {$1600.00} XX/XX/XXXX ), ( {$1600.00} XX/XX/XXXX ), ( {$2500.00} XX/XX/XXXX ) ( {$1600.00} XX/XX/XXXX ), and ( {$1600.00} XX/XX/XXXX ). I have made several phone calls to Carrington and have sent several letters via fax. This company has continued to ignore my request to correct and remove these added-on fees.
11/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • VA
  • 20110
Web
I refinanced my house in XX/XX/XXXX, my first payment was due on XX/XX/XXXX. By that time my hours were reduces and I was making partial payments which turned out that Carrington Mortgage does not allow them, I tried to do the partial payments till XXXX before I was told not to do that. So I got all up to date by XX/XX/XXXX and so I thought, 2 months later I started getting this calls that my account was past due and I called them to go over that but the answers were that they 'll research and let me know. I was n't till I was trying to refinance this past XXXX to find out that they have been reporting late on my credit every single month since we got the loan! Since XXXX I have sent them letters to them and the bureaus but no concrete answer and I get the run around, one manager after another one. I was able to get one of the managers to give an email and direct phone number and try to solve the issue but she did n't either. I have run out of options and patience as this is very stressful and has affected my household in various ways, the only few credit cards I had have close on me because of the bad reporting Carrington Mortgage has issued on my credit.
06/09/2016 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • GA
  • 31061
Web
I filed a Chapter XXXX bankruptcy in XXXX. In XXXX XXXX I converted to a Chapter XXXX and Carrington Mortgage Account # XXXX was included in that Chapter XXXX and was successfully discharged in XXXX XXXX. I have been fighting with this company ever since. They continue to contact me and send statements saying I owe this debt and I DO NOT. They continue to report to the credit bureaus that it 's an open account with 180 days late with past due balance and I 've had to get this corrected 3 times and just when I get it corrected to report as included in bankruptcy they have reported it back again to the credit bureaus as open past due and this account is CLOSED discharged through Chapter XXXX bankruptcy as of XXXX XXXX. Also they have yet to take ownership over the mortgage and I still have the County sending me property tax statements and I explained to them that I DO NOT own this house anymore that it was included in my Chapter XXXX bankruptcy and they informed me that the mortgage company has not taken it out of my name yet. What they are doing is illegal and before I hire a lawyer to sue them, I would like for your company to step in and make this right.
07/09/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MN
  • 55119
Web
My mortgage was recently transferred to a new servicer, Carrington Mortgage Services. I was planning to make online payments like I had been doing for years with my prior servicer, XXXX, but Carrington charges a {$5.00} convenience fee to make an online payment. Fine, then Ill mail it XXXX. My complaint isnt about that, its about them not sending me a statement. I have been paying my mortgage payment as soon as I get my statement, which is typically several weeks before it is due. But the past few months, even though they have gotten my payment well before the due date, Im not getting the next statement and payment coupon until later and later into the next month. Pretty soon Im not going to get it until the day it is due! This is XXXX all around. They should offer free online payments, and they should be required to process payments as soon as received, and then immediately issue the next statement. They are basically delaying as much as possible, counting on the borrower to get the statement late in the month, maybe set it aside, forget about it for a time, and then before you know it, its late. Terrible business practice. I hate this mortgage company.
09/23/2022 Yes
  • Mortgage
  • VA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • RI
  • 028XX
Web Servicemember
In XXXX of 2021 the mortgage that we hold was bought out by Carrington LLC. When they bought the loan, they bought it just as the payment was due from our former carrier and as a result we needed to make two mortgage payments- one for XXXX and one for XXXX. One XX/XX/XXXX I made a payment for XXXX which covered XXXX and XXXX mortgage. It was not late as they were in the process of changing companies. The payment was split into two. XXXX went to the principal which it was NOT supposed to do. I spoke with their customer service department in XXXX and in XXXX and was told this was fixed. Turns out not only was it not fixed but now we are behind 40 days and it hit our credtit I Spoke with customer service again in XXXX and XXXX and they told me not to make a payment in XXXX as it would resolve this issue. They payment still came out of my account and it bounced twice. Now I have late fees and can not make a payment due to the bounce status of the old check. I am working to resolve this however, I can not make a payment unless I use certified funds and the company is telling me that if I don't fix this now, I will have another hit to my credit report.
07/17/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OK
  • 73003
Web Servicemember
Carrington Morgage Services bought our loan in XXXX for {$200000.00} while we where in forbearance. We laid out our plans to exit forbearance on XX/XX/XXXX & move the missed payments to the back of the loan in XXXX. In XXXX we Contacted Carrington about coming out of forbearance. Carrington tried to push us into paying the missed forbearance payments up front or over a 3 month time frame. Plus they told us the amount due on the loan was {$200.00} XXXX. When we bought the home for {$200.00} XXXX & made 5 or 6 months of payments, with a 2.86 % interest rate before entering forbearance. Based on that we filed a complaint. Now Carrington is refusing to take a monthly mortgage payment until the missed forbearance payments are made and they raised out monthly Morgage payment. They did this because we have not paid them the missed forbearance payments or signed the paperwork agreeing to terms they are trying to impose. I have audio recordings of Carrington refusing payment and trying to blackmail us. I am willing to forward all audio recording in this matter. We don't want to lose our home so Carrington can exploit us for profit and this is a V.A. home loan.
02/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07087
Web
I already reached out to CARRINGTON MORTGAGE SERVICES and to the 3 BUREAUS ( XXXX, XXXX and XXXX ) and notify them of their error posting of information on my report. I was never late on these accounts. On XXXX, I received their acknowledgement of the QWR and said the investigation would be complete on XX/XX/19. But they never sent a response. They are required by law under the RESPA/ Dodd Frank Wall Street amendment to provide the acknowledgement in 5 days ( research this to double check ) which they did, and then investigation results in 30 days. Which they did not. They are now in violation and must remove the 4 late pays reported. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
07/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90045
Web
This company has applied a forbearance to my account without authorization. I did not apply for this program. I hAve paid my mortgage ON TIME EVERY MONTH. I asked them to remove and update my credit It has not been done My credit does not accurately reflect my payment history. It also reflects inaccurately that defer payments starts in XXXX when again I DID NOT MAKE SUCH REQUEST. Ive called and emailed continuously regarding this matter for almost an entire month Ive disputed this matter with the credit bureau to no avail. It is these tactics that I find to be discriminatory in nature. These tactics of erroneously applying hindrances to customers who desire to take there business to other companies.. Forcing customers to fight and waste time and money to go through XXXX of removing erroneously applied programs when they have paid their mortgage on time is illegal. Incorrectly reporting information to hinder customers from moving forward with mortgage transactions is illegal. It is these invisible barriers that causes delays in process and hinders XXXX from moving forward on the back end. My account needs to reflect accurately on an ongoing basis.
08/14/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 757XX
Web
During covid we took a forbearance with our mortgage company which was XXXX XXXX. They transferred the mortgage to carrington. I tried contacting XXXX XXXX who said they sold my loan and when carrington finally sent me a payment statement they claimed my first payment was almost XXXX. While I still was under forbearance and that it would take paying full amount to keep from foreclosure, I have tried contacting them for over a year and now they claim I now owe a payment of XXXX XXXX, to catch up my payments and offered me a modified plan to stall foreclosure and bring me current. I received it and basically they are now offering to basically refinance my mortgage at 5.875 % which is where I originally was but now its for 40 years! And its my original loan amount! XXXX how can I make payments for 15 years and they still say I owe XXXX, plus a partial claim of XXXX? However on the foreclosure documents filed with the court it states I owe XXXX! Which is what I think would be correct. So I am going to lose all my equity in my home because they claim they serviced my mortgage during the pandemic ( not doing anything ) and charge me XXXX dollars in fees?
01/04/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 479XX
Web
Carrington Mortgage states they paid our taxes in our escrow like it was set up, but they did not do so. The money was removed and never given to the tax office to pay our XXXX tax office. We have traced them back to taking the money and never writing a check through their tax office. We have a man named XXXX XXXX who told XXXX never received the funds to begin with and that is why it did n't get paid. These are our fall taxes!!! They continue to tell us they are going to handle our dispute since XXXX/XXXX/XXXX and as of today has again told us it would be resolved by XXXX/XXXX/XXXX. The office talks over us and we can not get a manager or supervisor due to the person always stating " we ca n't do that '' and when we want them to find the money with our parcel number they state " they ca n't do that for us becausewe are in a dispute. '' We would like to have the theft of our tax money from our eacrow resolved. We had our escrow put in the negative by {$4.00} immediately upon this company taking over our mortgage and them taking our house payment up {$50.00} after it switched from XXXX. We are having this company steal our money and refuse to right!
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • RI
  • 02904
Web
Carrington Mortgage ( CM ) notified me both about a late payment and foreclosure. I had a total of {$70.00} overdue for a month. This was the result of an escrow analysis that was performed in the first quarter of 2023 an emailed to me. The email likely went to spam as I did not receive either a letter or phone call. I called on XX/XX/XXXX as a result of a letter from CM stating home was to be foreclosed. I called them for an explanation and they informed me I was behind by {$70.00}. My payment had increased by {$70.00} in XXXX to be applied in XX/XX/2023 moving forward. CM also reported me late for the month of XXXX, even though I had paid {$1600.00} on XXXX. CM explained shortage was taken from escrow account and I paid and additional amount of {$140.00} on XX/XX/XXXX, to account for the shortage in XXXX and XXXX. This late report is impacting my ability to obtain credit. The {$70.00} were taken out of escrow for the month of XXXX and I made an extra payment in XXXX to cover that. CM, please explain why I am being reported late. I have never had issues with any other mortgage service providers ; CM continues to conduct themselves egregiously.
03/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77075
Web
I tried disputing a mortgage on my credit report from Carrington Mortgage. We have been in this house since 2008, we the house was bought only my husband was on the loan and the paperwork. I did not work. The mortgage company would not even speak to me or give me information on the mortgage at one point, because I was not on the account. As, you can see the mortgage was just recently put on my credit report as of last year. Why all of a sudden 14 years later, I was told I was a co signer. The mortgage company recently sent us papers for a loan modification, that I signed. Im not sure why my name was on them, as I was not on the original loan. Just because Im married to the owner, that doesnt automatically make me a co signer. When people buy a house, companies do credit check and employment verifications on the buyers. They were never authorized to run a credit check or a employment verification, so who could they make me a co signer to something that I didnt apply for or can afford. I have the original mortgage paperwork and my name is not on it! I want this off my credit report because I did not personally apply for this loan. Please help me!
03/19/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91303
Web Older American
My mortgage was transferred from XXXX to Carrington Mortgage Services LLC in XX/XX/2020. An electronic payment was made on XX/XX/2020 From my account at XXXX XXXX XXXX, and received XX/XX/2020 by Carrington Mortgage, LLC which accepted payment, however the funds were erroneously credited to an incorrect account rather than to my mortgage account due to two numbers were transposed in the memo field on the payment. Upon contacting them to correct the error, Carrington Mortgage LLC requested evidence of the payment, which was faxed to their number XXXX. the evidence provided was Proof of Payment by XXXX XXXX XXXX ( attached ). showing the payment type was electronic, it includes the Customer Name information and address, payment dates Payee Information, payment amount, send date, received date, status of " Paid '', the memo section shows the loan number with the transposed numbers, etc. I contacted Carrington Mortgage Services LLC to confirm receipt of the fax, which they confirmed receipt. however they stated that they would not correctly credit the payment, and it would take an additional 3 to 5 business days for them to review the document.
12/21/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web Servicemember
My Carrington Mortgage account was opened on XX/XX/XXXX. I have a VA loan and no escrow account is required. Since the account has been opened, I paid my insurance and taxes out of my own pocket. On XX/XX/XXXX, without my knowledge, Carrington Mortgage set up an escrow account and paid my taxes. I had already paid my taxes on XX/XX/XXXX. I did not send anything in writing to Carrington Mortgage authorizing them to set up an escrow account for taxes however someone in their escrow department looked up my information on the XXXX XXXX website and took the liberty of setting up the escrow account. Now I have a negative balance in the escrow account which has influenced my monthly mortgage payment. I shouldn't have an escrow account in the first place. When I asked Carrington Mortgage who created an escrow account ; they couldnt tell me who wrote to them to have the escrow account opened. My credit card limits were cut, accounts closed during COVID-19 pandemic and I have been a victim of identity theft. I never called in during the COVID situation and asked for any assistance on my home loans so I don't know why my account is being tampered with.
12/20/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • IL
  • 60614
Web
I had a mortgage with XXXX XXXX XXXX that was sold to Carrington Mortgage Services. Carrington then contacted me via phone regarding their " no out of pocket '' /no cost rate reduction program that would lower my interest rate and payment. When I inquired " why '' /how they made money, the rep indicated that they wanted a portfolio of people paying their mortgage to increase the investment value of the company. He also continued to stress that this would be better than a traditional refinance, because I would avoid costs, appraisals, etc. He often said we needed to act quickly to lock in the rising rates - and so he could send over the disclosure for me to sign. I asked for a breakdown on the payment ( P & I vs. Escrow ) and he did not supply. Also, there was never a mention of additional costs/fees/etc - only that my payment would decrease. When I looked at his recap - I noted he had added on XXXX {$7000.00} to the current value of my loan - without ever having been mentioned. I questioned this - and he explained there was a FHA insurance fee rolled in. I did not go forward with the refinance - but, am concerned that others may be deceived.
01/23/2023 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • MT
  • 59102
Web
In XX/XX/XXXX, we began a loan modification with Carrington Mortgage. The modification was approved and being processed. While the modification was in process, I received a job offer that required relocation. At that time, we decided to sell the home while in the process of modification. We continued to make monthly payments during the modification process. We contacted Carrington Mortgage once we received the paperwork to complete the modification and told them we were about a month away form closing on the sale of the home. We were instructed not to complete the modification paperwork since we were selling the home. Carrington Mortgage then reported my account to credit bureaus as 60 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then 90 days late for XX/XX/XXXX, and 120 days late for XXXX and XX/XX/XXXX. Again, during this time, monthly payment were being made. I've disputed via the credit bureaus and have contacted Carrington. The payment history has not been corrected to on-time. This has since caused major issues in trying to get a new mortgage. We need our payment history corrected to on time since on time payments were being made.
10/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • HI
  • 96753
Web
I am entitled to Forbearance under the CARES act. The attorney, XXXX XXXX at XXXX XXXX XXXX submitted for a 12 month delay in foreclosure procedures on XX/XX/2020 to Carrington Mortgage Services. I have a copy of the letter I signed for submittal. However, XXXX XXXX XXXX, the attorney representing Carrington Mortgage in Hawaii, filed a motion for foreclosure and it stated that I had not applied for forbearance to the court. Unfortunately, my former attorney withdrew from my case after more than 2 years just before the trial. In addition he had not followed through with letter we had submitted for Forbearance to Carrington Mortgage. I filed a motion to let the judge know that the pretrial statement regarding my application for Forbearance was false. The judge did not respond to my motion for continuance to obtain new representation. The judge did not respond to the letter of Forbearance I submitted as evidence. She ruled for plaintiff. Everyone involved ignored my rights and offered no explanation. I want XXXX XXXX XXXX, XXXX XXXX XXXX, Carrington Mortgage Services, and the judge to follow the law, not just the wealthy attorneys.
06/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 023XX
Web
Back in XX/XX/XXXX I received a phone call from a XXXX XXXX, originally called from the Carrington phone number XXXX and then called from XXXX saying that we have been pre - approved for a loan modification and our interest rate could be lowered to 2 %. We were sent paperwork stating that if we made our 3 trial payments on time we would be approved. The 3 trial payments were made via money gram. Once the payments were made we received another phone call saying that the taxes and insurance would also need to be paid and our payment for the next 6 months would be less and come XX/XX/XXXX, the payments would go to the normal payment after the modification. We went ahead and made the payment of the taxes and insurance and thought we were all set until we received another call saying that we need to pay a processing fee. Upon trying to made the processing fee payment the payment was rejected. the person or persons who have scammed us have the Carrington Logo and have our loan number and phone number. They had my cell phone as the contact number and called me. I am not sure how they got this information, but I have no other accounts compromised.
10/27/2023 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • Trying to communicate with the company to fix an issue with the loan closing
  • VA
  • 23666
Web Servicemember
Currently the sell of my home is waiting to close but the process is unable to be completed due to Carrington mortgage ( my mortgage holder ) says they are not licensed to originate loans on XXXX where my property is located. Carrington has been asked by myself and XXXX XXXX ( XXXX XXXX of XXXX XXXX XXXX how we can move forward with having the VA Assumption completed and they have failed to give any path forward. XXXX XXXX had email correspondence with XXXX XXXX ( CEO & Founder ) of Carrington Mortgage and received no helpful information. My mortgage originally was through XXXX XXXX and was bought out by Carrington Mortgage and now I am unable to utilize the VA Loan Assumption process that is entitled to me as an XXXX XXXX member of the military. this stonewall response from Carrington Mortgage is currently costing me thousands of dollars a month paying for a property i no longer live in due to XXXX and every month the sell is not closed is costing the buyers approximately {$1000.00} due to increased out of pocket cost when the assumption goes through. this issue has been ongoing since XXXX of this year and no path forward has been found.
01/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85255
Web
I called into my mortgage company, Carrington Home Mortgage Services on XX/XX/XXXX to make my mtg pymt. I let the csr know that I needed to break up my XXXX mtg payment into XXXX payments. That I would pay {$1200.00} that day and the remaining sum of {$1800.00} prior to it being actually late. The XXXX confirmed this with me and took my partial pymt over the phone. He confirmed and clarified this is not a problem to do so. That funds would be applied this way and accordingly to my XXXX mtg pymt. When I called back on XX/XX/XXXX, the XXXX said my {$1200.00} was not applied this way and in fact applied to other past previous late charges and that it was not applied toward my XXXX pymt and that my entire XXXX pymt was still owed. I spoke to a XXXX who said she would pull the phone call to confirm that what I said is true and now I'm waiting. This is completely bait and switch and misappropriating my funds without my consent. The XXXX from my first called assured me breaking my pymt into XXXX pymts was not a problem, nor did he say that the funds could not be applied this way. This if misappropriating and fraudulent on Carrington Mtg 's part.
02/08/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • WA
  • XXXXX
Web Servicemember
XXXX XXXX located in XXXX Washington after XXXX XXXX XXXX engaged in fraudulent practices falsified mortgage documents of our home and then allegedly sold a loan after a law suit was filed in federal court thereby attempting to foresclose on Home by conspiring with XXXX and posting and sending documents of attempted sell for a date of XX/XX/XXXX. Later, received a letter upon return today From XXXX XXXX in XXXX, Washington stating that property was allegedly sold on XX/XX/XXXX and to contact XXXX. This is a perfected interest property registered with Secreatary of State in Washington under a TRUST. A RESPA COMPLIANT WAS FILED HOWEVER, THE COMPANIES HAVE FAILED TO VALIDATE OR RESPOND TO RESPA REQUEST AND VALIDATED THE LAW. Several Letters have been sent and defaulted on for their individual andf collective failures to respond and validate debts. In addition, these companies have validated numerous copyright agreements filed with Washington State in the AMOUNT THAT EXCEEDS $5,000,000.00 PER GROSS INCIDENT IN COPYRIGHT INFRINGMENT AGREEMENT OF $XXXX PER INCIDENT. THIIS IS PUBLIC RECORD AND HAD BEEN A NOTICE TO PUBLIC FOR MANY YEARS.
07/18/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KY
  • 42301
Web
Carrington took over the mortgage. I have no say so in who owns my mortgage which is a horrible way it works. They did not communicate or act to pay my flood insurance which they require to be paid in escrow. In 20 years of having mortgages have never had this issue and my insurer XXXX XXXX XXXX said they were the worst to deal with. They delayed the process I feel on purpose to make me buy their insurance and Jack my price up. Double what I was paying. The only notice we received said final Notice. Then they delayed a process that my insurance company says usually takes XXXX XXXX at most into XXXX XXXX XXXX Have not gotten anywhere with the company. Second issue is I pay through my bank. Every other company that buys the mortgage has been super easy to do so. For some reason when I try to pay Carrington its a XXXX to XXXX XXXX process. I feel they are trying to harass me because I have a super low rate and they know they can get more money out of someone else. Its an I fair practice, and as this is not the company I started my mortgage with I feel I have been forced into a sub par relationship with an aggressive and belligerent company
04/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77063
Web
I opened a conventional mortgage in XXXX on my condo which was appraised at {$84000.00}, and the initial mortgage balance was {$69000.00}. Carrington Mortgage Services LLC is my mortgage servicer. I had to pay PMI of {$10.00}. Since then, I have paid down a significant portion of my mortgage, and the value of the property has also risen during this time. I have also maintained current on my mortgage payments and I have not been late. I have asked the mortgage servicer why they will not remove PMI from my property, and they told me that it will be a part of my mortgage for " at least five years ''. I do have a second lien on my property for 5 years from the City of XXXX for a downpayment assistance program. I qualified for {$15000.00} in downpayment assistance, and with the passing of each calendar year, the lien is reduced by {$3000.00}. Next summer, in XXXX, the second lien is no longer valid. However, I thought that PMI would automatically fall off once the % reaches a certain threshhold, and I am sure that I am at or below that threshhold. I am attaching a current mortgage statement as well as a copy of the original appraisal.
09/25/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77382
Web Older American
Carrington was notified by XX/XX/XXXX that I lost my job with XXXX XXXX where was an XXXX, They offered a modification supported by the government to reduce the monthly payments. Since their payments offered were still high ( about 640.00 per month ) I continuedin communication with them to reduce the monthly payments, They rejected this during all the month of XX/XX/XXXX until I had only three days before the due date ( XX/XX/XXXX ). On XX/XX/XXXX I sent a check for the amount they wanted via certified mail. The Post Office misplaced the envelope and it took for them to deliver on XX/XX/XXXX. Carrington notified that I was left out of the program for non compliance. I argued that it was the postal service and had the green receipt to prove it. They said that they had to receive the check by that date and they didn't After that I submitted at least 18 Request For Mortgage Assitance packages every single one was rejected. They put my house for sale with a date XX/XX/XXXX I do not have the {$33000.00} whi they say I own them including legal fees I have reason to believe that they have done this with the intention to get my house.
07/04/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • IL
  • 60619
Web
During my closing on XX/XX/XXXX, Carrington Mortgage increased my closing amount from {$4100.00} to {$7400.00}. I signed a closing disclosure onXX/XX/XXXX outlining the terms of closing with me agreeing upon the smaller amount. While at the title company XXXX XXXX XXXX XXXX at their XXXX XXXX Location ( XXXX XXXX was the settlement agent ), we were waiting on the bank to send over the same final loan disclosure. To everyone 's surprise, the price has risen to a whopping {$7400.00}. This was significantly over the 3.5 % needed for an FHA and was clearly closer to the 10 % needed on a conventional loan. Essentially, I had a weekend to come up with the money or I would lose my ability to get the property and all of my money. My mortgage broker XXXX XXXX said he did n't know what was going on but that have the ability to change the final amount on the loan disclosure.

On Page three of the document title " XXXX XXXX XXXX Property Title '', you will find attached the final closing disclosure that was sent to the title company on XX/XX/XXXX. On the document titled XXXX XXXX XXXX XXXX, which is the loan disclosure I signed on XX/XX/XXXX.

04/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80922
Web
We are behind on our mortgage with carrington mortgage service because of following what XXXX told us to do when we were doing s modification with XXXX ( XXXX had told us not to make a payment while they were doing the modification ) during that time our home was hit by a major hail storm. Insurance put carrington & is on the insurance check. Carrington has our funds that we need to fix our home & will not release them. We have done everything that they want us to do, but every time when we 've done that they change the rules. Currently we are trying to get our home painted. Did everything they asked but now carrington is telling us that we have to hire a licensed contractor to paint it. No painting company is licensed! & by telling us to hire a contractor that is licensed the painter will be a sub & it will add thousands to the cost, that carrington say we will have to pay! I believe what they 're doing is no different than what XXXX did! By forcing us to pay thousands extra we ca n't catch up on our mortgage! They are doing this to hundreds possibly thousands of people! Forcing them to go into foreclosure
01/15/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • IL
  • 600XX
Web
The mortgage company did an escrow analysis in XXXX of 2015 on my mortgage and raised my escrow requirement. They did not notify us that they had changed the amount due for escrow in XXXX of 2015. We continued to send the original amount for the loan. the mortgage company would not process the payment because to them it did not meet the required amount. We discovered in XXXX 2015 that they were not covering the payments. We immediately contacted the company and they informed us that they had changed the escrow and the we were considered behind in our payments. We made up the differences in the account and thought we were good. They then sent an inspection on the house and charged us {$20.00} for that without notifying us that they did the inspection. We ended up paying them by check over the phone just to make sure the entire payment was caught up. It seems like they should not be raising the escrow anyway. We have owned the house for over 27 years and have not missed a payment. Now they have hurt my credit and caused us anxiety over their inability to communicate and their requirement for escrow above what is required for our home.
12/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30305
Web
I was having problems paying my mortgage due to my mothers sudden death which I ended up paying for. I started having back issues XX/XX/2020, which caused me to miss work a lot. XX/XX/2020, I was put in contact with XXXX XXXX XXXX. They told me they could help me get a modification on my mortgage, and would get a fresh start because I could not afford a repayment plan. I paid them 3 payments of {$1200.00} for this service ( total of {$3600.00} ). This process started XX/XX/2020. Around the middle of XXXX I received a phone call from XXXX XXXX XXXX stating my mortgage company ( Carrington Mortgage ) denied my modification request and would only agree to a repayment plan of {$3.00} per month for 6 months. I explained to them I was just getting back to work full-time and was playing catch up and would not be able to commit to paying double the amount of what my regular mortgage payments are. XXXX XXXX XXXX suggested I file bankruptcy. I did not want to do that because my only debt is my mortgage. I simply needed a fresh start. I have never had or requested for a modification prior to this. I need help. I do not want to lose my home.
02/21/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • IL
  • 622XX
Web Servicemember
Carrington Mortgages is unfairly rolling adjusted Escrow outstanding balances into your loans without giving Mortgage Owners an opportunity to pay off the outstanding balances. At the end of XX/XX/XXXX my mortgage payment was {$880.00}, My mortgage payment for XX/XX/XXXX was {$910.00}. When I contacted Carrington Mortgages, they informed me that my escrow account was delinquent by {$290.00}, They also advised that they sent out a notification, which I did not receive. I have loans with two other banking institutions and I received their XX/XX/XXXX escrow summary report. XXXX Mortgage contend that I did not receive the escrow summary because I opted for electronic notification and correspondence. Carrington did allow me to pay the escrow balance in full. If I did not contact the bank, the {$290.00} would have cost me {$390.00} for this year and {$3900.00} for the remaining life of my mortgage. I do not understand why banks are allowed to practice this type of fraudulent activities without getting into trouble. This is the second time that Carrington Mortgages has done this to me, Can they be investigated for this unfair practice,
04/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 92592
Web
I have been trying to short sale my house for nearly two years now, the most recent has been submitting yet the documents all over again in XXXX of this year. Previously in XXXX of XXXX and beginning of XXXX I believe, first time was around XXXX of XXXX. I keep getting the runaround, I have a buyer his offer was accepted and we've ( my realtor and I ) have been trying to get this EHLP Loan/Lien paid by Carrington since they will not release it. I and my realtor have submitted everything they've asked for, and I get a letter stating my short sale was denied because I did not submit the documents needed, they don't list the document or documents just that I didn't provide it. I am sick of the back and forth and lack of communication from the short sale department. Now I'm getting phonecalls non-stop, between the hours of XXXX - XXXX by the way, I live on the West Coast the property is on the East Coast, that is still before XXXX, why is Carrington calling at these times? Unprofessional is just one of the adjectives to describe what dealing with Carrington has been like, I just want to get the short sale done and avoid foreclosure.
09/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • AZ
  • 85037
Web
We submitted a loan modification request to Carrington Mortgage in XXXX. They sent a letter stating that they did not receive all of the documentation that they needed for the modification along with a list of missing documents. We sent the requested documents by email and uploaded them to the bank 's loan modification web page. I just received a letter today stating that we failed to give them the documentation that they requested in the time frame they requested it in. The time frame has not yet expired and the documents still are showing on their web site. In addition, we spoke to a member of their call center to confirm that they received the documents two weeks ago and they confirmed that over the phone. It is our contention that Carrington is not acting in good faith in this matter and is in violation of the Federal Rules governing this process as well as potentially committing fraud in an effort to steal our home. I have been out of work for six months and trying to get this taken care of. Their statements have always been that they want to help but it appears now that all they want to do is help themselves to our home.
10/29/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19061
Web
My original mortgage was with XXXX XXXX XXXX. Recently my account was sold to Carrington which has been a nightmare. I had purchased new Home Owner 's insurance before I received the notice of the change in mortgage companies. My Agent has sent Carrington 3 notices of the insurance change, once each time I receive a notice from Carrington. On XX/XX/2018, I received a threatening letter from Carrington that they were going to add Homeowners insurance to my policy that would cost me much more than if I purchased it on my own. Once again, I sent this notice to my insurance and they sent Carrington the information on XX/XX/XXXX. On Friday, XX/XX/XXXX, I received a letter stating that my mortgage payment would be going up {$87.00} per month due to their insurance amount. When actually, my new insurance decreased somewhat and my mortgage payment should be less than what I was actually paying with XXXX XXXX XXXX. I have called and no one seems to be able to help me with this situation, they ramble and then ask " is there anything else I can help you with '', when they haven't even come close to answering the first question I had.
05/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 91789
Web
I applied for the COVID forbearance extension on XX/XX/XXXX via phone which expires on XX/XX/2022. As of XX/XX/XXXX, I have not received a response on the forbearance request on Carrington 's online portal or mail. However, I received multiple letters ( latest dated XX/XX/XXXX and online portal XX/XX/XXXX included in this complaint ) indicating I have not updated Carrington on my COVID forbearance when in fact I did way back on XX/XX/XXXX via phone. Their online system would not let me update the forbearance for the XX/XX/XXXX expiration so I was forced to call it in. I have 3 months of eligibility left on COVID forbearance ( used 9 months ). I called back on XX/XX/XXXX and they have record of the XX/XX/XXXX request but no action on the forbearance request. I believe there may be a back office issue where my account is not being processed at all for the CPVOD forbearance extension and it will expire without anyone looking at my extension request. With previous extensions, I was able to request forbearance extension online but this time I could not and had to call Carrington which suggests there is a back office issue.
03/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 77802
Web Servicemember
I started a process for a conventional, cash out refinance on XX/XX/XXXX. Today, XX/XX/XXXX, I was told that the refinance would not be approved. Throughouth the process I dealt with misleading communication, at one point being told the amount of the loan would be changed by approximately $ 25k. I was sent at least four sets of closing disclosures and they did not have full breakdowns of costs, listing approximately $ 3k as " other fees ''. I was very timely in providing necessary documents, statements, and communication but would go weeks at times without hearing from the lender at all. After the lender tried to drop my loan amount by $ XXXX, I told them I did not want to continue the process as it had already been about five and a half months, and within 30 minutes, the lender reached back out and told me they could run the loan a differen way and the loan amount went from $ XXXX to $ XXXX ... in 30 minutes. This process has cost me almost a full six months that I could have been working with someone who actually wanted to close on the loan, it has caused me financial hardship and an untold amount of stress.
04/07/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NY
  • 144XX
Web Servicemember
Carrington mortgage Services , LLC has struggled to properly maintain, adjust and make disbursements from my escrow account. Carrington failed to make my School Real Estate Taxes on time. Carrington 's 3rd party servicer ( XXXX ) paid the bill late but Carrington used the inflated County tax bill with the Relevied school taxes to improperly reset my escrows without providing me with forewarning or the ability to discuss corrections to avoid an increase in my monthly PITI. I called Carrington on XXXX, XXXX and XXXX to discuss this situation with their Tax Dept. and their Escrow Analysis/CSR Dept XXXX Each dept. would refer me to the other as they couldn't answer my questions or resolve my concerns. I repeatedly requested to speak to a manager but was denied that request. On XXXX I requested a conference call between the two departments but that didn't happen ... ..and I was bounced from Tax Dept to CSR! Last year Carrington underestimated my escrows when my VA XXXX exemptions kicked in ... XXXXthey advised me that I didn't have to pay RE Taxes. I had to cover a two month escrow shortage before they fixed it.
02/27/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NC
  • 27410
Web
NCHAF has approved me for payment. I was given a contract by HAF and sent in the GAP amount via certified check directly to HAF, on time. I kept in touch with Carrington through every step of this process. Carrington refused the payment from HAF and now requires more money for GAP payment. Carrington will not except this money directly from me nor will HAF. The processing time from the time HAF receives my certified check, which is their only excepted payment method, and the time they process payment and send it to HAF is lengthy, because of that log, which creates an ongoing problem with this. My beginning gap payment was under {$600.00}. The amount I sent to HAF for my gap payment was over {$6000.00} and now Carrington is asking for even more, which I do not know that they will except by the time half processes it. I am fighting a downhill battle, and I am at a loss of what to do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was out of work several months. I am working now and able to make the payments to Carrington. Any help you could provide would be greatly appreciated. Kind Regards, XXXX XXXX XXXX
11/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 64119
Web Servicemember
Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as 30 days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to XXXX hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as 30 days late twice. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the two 30-day late payments with the Credit Bureaus as that was not my fault for nonpayment.
10/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19120
Web
My Mortage Company Carrington Mortage Paid My Property Taxes Twice. I've been reaching out to the Mortage company for 4 months and have not gotten anything resolved. I first reached out to Carrington Mortage Company threw Fax on XX/XX/2022. The amount of the over payment to the City of XXXX Tax Revenue is {$550.00}. Carrington mortgages made a payment to the city of XXXX for XXXX in XX/XX/2022 and XX/XX/2022. Because of this my Escrow is negative and my Mortage payment is {$100.00} higher than what it should be. I am a widow with XXXX income running my home. Inflation, groceries, utilities, gas etc. is rising and will continue to rise. The city of XXXX said it could take 3 + months to get a refund however Customer service rep stated they would make a request that Carrington Mortage return XXXX to my escrow account and do another escrow analysis to determine new mortgage payment and I would be contacted in 24 hrs. on a status. I've heard nothing. I was told by a supervisor I am not getting the refund and the company is not going to request a refund. I've faxed the Loan administration Dept and NOTHING. Please Help.
05/09/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • IN
  • 460XX
Web Servicemember
The company, Carrington Mortgage Company, purchased our mortgage from XXXX XXXX Mortgage on XX/XX/XXXX. We had paid XXXX our XXXX payment on the XXXX and that didn't get transferred over to the new lender. While under their own 60-day grace period, we received our first notice of intent to foreclose. We went above and beyond to secure the loan and get it back to positive, even though that meant that we made two payments for XXXX. Once that was settled, on XX/XX/XXXX, we get notified that our monthly payments have increased {$180.00} to cover an escrow account that only covers our insurance. They reported that they paid our insurance and didn't have any money in an escrow account, nor did they receive any of the escrow money that was collected by XXXX XXXX XXXX. After talking with my insurance carrier, XXXX XXXX, they informed me that my insurance actually decreased. We are still being held responsible for what money they ( Carrington ) didn't collect from our previous ( XXXX ) and raising our monthly payment past our means to pay. It feels like they intend to push us out of our house and liquidate the asset.
05/01/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 857XX
Web
I have an FHA, federal government mortgage, which Carrington is the administrator on. Under the CARES ACT Carrington is delaying my mortgage for three months. At the end of three months Carrington states I will need to re apply. Due to my client base not paying me now I am having trouble paying the mortgage. With a government backed mortgage I am requesting that the missed payments, up to 12, be applied to the back of the loan extending the loan for an additional 12 months. This would include all escrow amounts including pmi, insurance, and property taxes. Carrington has refused to follow the Cares Act for government backed mortgages. I received an invoice today listing last months payment as over due and that I need to pay two mortgage payments by XX/XX/XXXX. This is even with their letter stating my mortgage was under the forbearance provisions of the CARES ACT. Only with a conventional loan, not a government backed mortgage can Carrington force me to pay a lump sum at the end of the forbearance period. Carrington is in violation of the CARES ACT for government backed mortgages. Please assist. Thanks, XXXX
11/04/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 782XX
Web
XXXX was servicing my mortgage and sold it to Carrington Mortgage Services. I was double charged on my first auto draft payment to them ( permission provided from XXXX ) and when speaking with the representative on the phone, acknowledged the charges but said there is no way to reach the department or anybody that can fix these issues other than through fax or hand written request and a delay of 3-15 business days upon receipt and verified proof of double payments posting. On top of this, I suggested skipping a payment the following month to avoid the hassle and was told that the next month 's payment would still be taken from me and I would be ahead of the payment cycle until the loan is paid in full. 26 years later. The double payment that was taken did not post the second amount to the principal balance and instead still applied both as full regular payments. To take double the payment when not allowing for a payment in excess of the amount due is one problem, and then not being able to easily refund the stolen funds is certainly another. Any assistance you can provide would be greatly appreciated. Thank you.
06/06/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92107
Web Servicemember
On XX/XX/XXXX of this year I transferred money from my bank of XXXXXXXX XXXX to Carrington mortgage services their Bank was XXXX I transferred {$3300.00} on XXXXXXXX XXXX business days later they stay they still have not received the funds I've already confirmed with my bank that the funds have been received I can confirm with an XXXX number and confirmation number that their bank has received the funds of initially did all the leg work for them I've contacted Carrington mortgage services and asked if they could please update my account to prove that the payment has arrived or if they could verify the payment is in their account they seem to be unaffected and verifying this and unhelpful. I spoke to an agent ID number XXXX they're escalation agent was unhelpful to be honest I already did the work to verify the funds have been transferred to their account but they seem to insist that I should wait longer and that they never received the funds I've already contacted my bank to look into this further but this is something that is makes me feel very uneasy for my mortgage company to think that's customer service.
03/29/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76001
Web
i was sold from XXXX to carrington mortgage in XX/XX/XXXX. i have yet to get a statement from carrington, I ave been calling since XX/XX/XXXX or XX/XX/2016, I have been promised each time this would happen, all i got was a letter about my escrow that did n't make sense. I have made two payments now and they did not apply my payment as requested.some goes into pad my escow. today i called to find they are mailing me a XXXX check out of my escrow which will not make me short for my house insurance in XX/XX/XXXX. They are incompetent. they do this so they can increase you house payments. I googled this mortgage company and could not believe the complaints of how badly they handle concerns. I have called at least 10 times with no results even XXXX 's escalation dept called them and they never called her back. i want a new mortgage company with competent people. i want a monthly statement showing me what i paid and how it is applied. i want to be able to designate how my extra is applied to my escrow. i do not want higher house payments and they is what they are trying to do, and all the complaints i found stated.
10/24/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • NY
  • 13820
Web Servicemember
My dad died almost 8 years ago. My mom died 2 years ago. For 2 years I fought with Carrington Mortgage to get the loan in my name. I finally did that. I have requested a forbearance since XXXX due to the fact that I had to put so much money into a lawyer and everything else to take it over. I also have some work that needs to be done in the home so that myself and my children can continue to live here. Carrington mortgage is telling me that I can not have one since they have already did one. That was before I was added in XXXX. They are giving me nothing but a run around. The under writers are saying they cant read my paystubs that I faxed in, but the other workers are telling me they can and there is nothing wrong with them. Every time I call and every person I talk to gives me a different store and it is never the same. Also when I took the home over I was told I would not owe any fees on the home I would just start with paying a monthly payment. Well now they are telling me I have a bunch of fees that are due and will be added into my loan amount. This company is awful and no help to anyone who uses them.
08/29/2023 Yes
  • Mortgage
  • USDA mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • LA
  • 710XX
Web Older American
Was denied assistance on my loan with Carrington Mtge for the fourth time. They advised me to appeal the deck on each time wit no success. My daughter lives with and I submitted her income to show extra income. I was put in forebearance and I feel that applying for assistance was just a way to put me further behind on my payments, Now the only offer is to liquidate my home. XXXXXXXX XXXX sold the mortgages to Carrington which was a XXXX Rural development loan. I called XXXX and was told, they show no record of a guaranteed loan with this address. I called HUD and was set up with a counselor, Carrington refuse to give her information about the decision on the loss mitigation. XXXX XXXX, HUD counselor. Her phone # is XXXX XXXX XXXX. I feel I was denied the CARES act and this company uses predatory tactics to take people properly. My husband is deceased. I sent death certificates and did a succession on property and they still have on the loan. I do plan to seek legal representation but I feel I do not need to pay for a lawyer for their shady tactics. What is the next step in government to address a complaint.
10/06/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • FL
  • 32708
Web Older American
My mortgage is in the COVID-19 assistance program. This includes the XXXX, XXXX, and XXXX payments plus some back home owners insurance monies. This money is paid to Carrington Mortgage by HUD, then I pay them back whenever my home is sold. My payments start again in XXXX. I was told not to make a payment on XXXX XXXX and I did not. But Carrington Mortgage debited my checking account on XXXXXXXX XXXX XXXX in the amount of {$1400.00} which they should not have done. Because of that our car insurance, Medicare part C supplemental health insurance and other bills are not paid. When I did our on-line banking today right after lunch our checking account is- {$970.00} with some NSF charges XXXX I have faxed them info they needed on Monday, and e-mailed them more info on Wednesday to get that money put back in our account. That money still not there. My wife who is partially XXXX, and myself live on a fixed income consisting only of our SocialSecurity income and we are broke!!! And they are taking their good old time getting us our money back. WE NEED THAT MONEY NOW!! Please help us- Thank you, XXXX and XXXX XXXX
06/03/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77539
Web
I have own my house for 9 years. I never missed 1 payment. I originally was paying my mortgage with XXXX, then it got transfer to Carrington Mortgage. I have always had automatic payments. I change the payments every 2 weeks in their portal to save money in interest. the payments were taking out. then they contact me a month later that my payment was past due. I told them that I was not because I set it up every two weeks. even thought they took the payments they did not apply them as a regular payment. They told me that they don't allow to split the payments every 2 weeks instead of 1 once a month. we had that taking care of I asked the lady who I spoke with on the phone to make sure don't report as a late payment. That was something I didn't know I could not make the payments every 2 weeks. I have submitted several bureau disputes, I have fax them a letter and they still will not remove that late payment. I have proof from their own transaction history as well as the month statement that I was not late. they are also charging me a curtailment fee of {$200.00} per month. I don't know what is that for.
07/11/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34608
Web
Mortgage servicer Carrington Mortgages LLC claims that I mistyped my account number when attempting to make payment via their payment website on my mortgage for XX/XX/XXXX. I have requested in writing via certified mail that they show me evidence that such a mistype had occurred. I am currently awaiting for their investigations to complete to be advised. In the meantime I received a phone call stating that my account has now been " flagged '' and that I need to call them up ASAP. I am not in arrears. Hopefully they will post my XX/XX/XXXX mortgage payment that I submitted for mortgage payment XX/XX/XXXX. Prior to the above, they increased my escrow account cushion since they claim they require 60 days cushion whereas previous servicer XXXX XXXX XXXX did not, then they hard push for me to refinance with them. I would like to know what financial benefits or interests this organization has for being a mortgage servicer. As I feel that there is none whatsoever except for recovering late fees and foreclosing on individuals which have never been late prior to Carrington Mortgages LLC becoming their servicer.
12/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WV
  • 251XX
Web
My mortgage is through Carrington mortgage inc. Back in XXXX my local tax department had my property taxes coded wrong and was charging double taxes on my property for that tax period. I went to my local tax department on XX/XX/XXXX and had it corrected. I called my mortgage companies tax dept and sent a copy of the correction. They still charged me an extra {$300.00} for the month of XXXX I paid it. They said call back in XXXX weeks and the system would be updated. I've called every XXXX weeks and still have told me the same thing. I was charged an additional {$300.00} for the month of XXXX and now again for XXXX. My house payment should be XXXX a month not {$850.00} a month. They tell me they see where the correction has been made but saying the escrow hasn't been updated. I can not afford XXXX a month. That is why I bought a low value home within my budget and can not afford to make a 850 monthly mortgage payment that is over half of my family 's monthly income. I tried to make my regular {$550.00} payment and it will not go through. Says they will only accept a minimum payment of XXXX. Please help me.
04/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 208XX
Web
Hi, I have an FHA loan with an origination date of XX/XX/11 and have been paying monthly PMI since then which is about 8 years now. Per online regulations at the time and some real estate help and HUD guidelines, was told that once your " loan to value '' ( LTV ) ratio reached 80 % of appraised value, PMI should be cancelled. My house value has gone up considerably and I have written to Carrintgon Mortgage Services couple of times asking to have the PMI removed, they come back saying ( to suit their convenience ) that they will not look at the current value but, the original appraised value. This is really unfair, since when I bought the house in 2011, this was the expectation. I have not missed any payments and feel that CMS can not use whatever suits or benefits it to not waive my PMI. This is per HUD guidelines, and it is important that rules also help FHA loan consumers while protecting mortgage companies. Thanks in advance for your help in removing my PMI by Carrintgon Mortgage Services and use current value of the house for LTV, with loan origination in 2011 and no missed payments. Kind Regards.
01/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 27610
Web
I filled out a loan modification on XX/XX/XXXX, no one from Carrington has contacted me I have since called them 4 times (twice week of XX/XX/XXXX) (twice in XX/XX/XXXXXX/XX/XXXX) for follow up information on the modification. I was told in XXXX the modification application was complete and someone would be contacting me no one has called. When I called in XX/XX/XXXX I was told they needed last three months of Profit and Loss statement for our business. However, no communication was given to me and I would not have know this unless I called. I did however, receive documentation sent on XX/XX/XXXX that my loan had been sold to XXXX XXXX XXXX XXXX. I am guessing because I filed a modification but Carrington is not willing to help us. I also went to receive assist from the NC Foreclosure Program and have been requesting mortgage statement from Carrington and they will not send me the information. They stated because I was in a bankruptcy but I have requested my mortgage statements several times and I have not received anything. I need those statement to receive assistance through the NC Foreclosure Program.
04/20/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32750
Web
Carrington Mortgage Services purchased my mortgage from XXXX XXXX XXXX and began servicing my loan on XX/XX/XXXX. At the time I had an open property damage claim due to Hurricane Irma. As of today XX/XX/XXXX, I have submitted all requested paperwork to them to have a check issued to pay 1 of 2 final draws to my contractor. The inspector that was assigned by Carrington came and inspected the home on XX/XX/XXXX and identified the home as 75 % complete in repair., and requested payment from the escrow on my loan. As of XX/XX/XXXX, Carrington still refuses to issue the promised draw amount which is in excess of {$11000.00}. They are holding over {$22000.00} of insurance funds, and will not release those funds nor will they explain why or request any additional documentation. As of today XX/XX/XXXX I have final inspection scheduled and their refusal to release funds have caused me to breach contract with my general contractor. I call Carrington on a weekly basis to check the status, and every time I call no one can provide an answer, and their response is always that it will take 5-7 business days to review.
03/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NH
  • 03051
Web
I have applied for state and federal government programs designed to provide relief, however, I can not have not been able to access this because of Carringtons refusal to cooperate with the guidelines. Last year they would not accept the written release to communicate with Homeowner Assistance Fund they referred me to because of the governments forcing them to disclose this assistance is available, yet they will not provide the program with the information to provide relief. On XX/XX/2023, XXXX XXXX, the case manager from the Homeowners Assistance Fund requested information from Carrington and was told they would send the information by the end of that week. This is 3 weeks ago. Furthermore, the information has been requested on numerous occasions and has not been sent. Carrington instead wants to force upon me a modification as my only option that not only will significantly increase my monthly payment, imposing a much higher interest rate as well as restarting the 30 years. Can you please help me get Carrington to provide the Homeowner Assistance Fund with the information needed to get up to date.
07/15/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 31419
Web Servicemember
I received no notification from Carrington Mortgage Services notifying me of the XXXX XXXX, 2017 foreclosure sale date. The first notification I received was a letter from the attorney on XXXX XXXX, 2017 stating there was a scheduled sale on XXXX XXXX, 2017. This did not allow me to submit my modification package prior to the 37 days before scheduled sale date deadline. I spoke to a supervisor " XXXX '' ( ext XXXX ) who claimed that Carrington Mortgage Service did not have to mail any notifications or letters to me because they attempted to call me. I informed him that is not correct and everything is done by written correspondence as I do not know if they were calling the wrong number. As far as I knew I was still in review for a loan modification and was never made aware or saw anything in the mail from Carrington. " XXXX '' ( ext XXXX ) reiterated again they did n't have to mail letters and phone calls were enough and that most borrowers want to be called and not have letters. This is a violation of XXXX XXXX servicing guidelines and against the CFPB servicing guidelines for loan modifications.
03/24/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 644XX
Web
We had a loan with XXXX and did a modification loan XXXX of XXXX. It was finalized in XXXX and our new payments started XXXX XXXX. At the same time they sold our loan to Carrington who took over 12 months to acknowledge the legal agreement. We have made all our payments at the new rate through automatic payments from our bank. They are saying we owe over {$7500.00} and keep refusing our payment, but only at their discretion. They are threatening to foreclose, but I have provided them with bank statements verifying all the payments are current and they refuse to respond. In short they now recognize the modification, but are not correcting the misapplied funds or even explaining where the funds are located. They are deliberately dragging their feet in responding to calls and written requests. This company is dishonest and should be reviewed and afterwards be fined and/or shut down. I believe outside legal services is a must in helping to resolve this ridiculous issue that was created and continuing by Carrington. This company needs to be investigated for misconduct and unethical/illegal l practices.
09/25/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76039
Web
Earlier this year our mortgage loan was sold from XXXX to Carrington Mortgage and our homeowner insurance renewed around the same time as this. I paid our mortgage using the old amount before the escrow analysis number could be adjusted to the new payment. Carrington placed that {$1400.00} payment into their " unapplied cash '' on our account which makes it appear that we missed a payment. They charged us a late fee and hit our credit reports with a missed/late payment status. Up until this point with our mortgage we 've had great payment status. My husband is has been out of work since XXXX and I do everything I can to ensure our house bills our paid on time. Carrington has a history of complaints with what has happened to us. It has been reported that they " pad '' their escrow accounts to make money and cause people undue stress when raising their monthly mortgage payments. I site the following websites for these complaints of sold loans and problems. XXXX corrected our unapplied cash payment and I have reached out to Carrington about this issue. They have told me there is nothing they can do.
08/08/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 33040
Web Servicemember
My mortgage loan was with XXXX XXXX ( XXXX ). XXXX sold my loan to Carrington Mortgage Services. The transfer of this loan was not done properly. I was notified that my loan was sold and that was it. I did not receive any other information about my new mortgage or from my new mortgage provider until they sent me a Monthly Mortgage Statement. Then I receive notification that I did not have enough flood insurance which then I was forced to purchased gap insurance. When asked why my flood coverage was acceptable by XXXX. I did not get a response, I was just told I need to increase my flood. So I contact my insurance agent to purchase additional insurance to meet the new lenders requirements. I sent them the endorsement that I had purchased the additional insurance. I received and email that they accepted my documents. So I thought the matter was solved. Then today I receive a new mortgage statement the the GAP flood coverage on my invoice. I do not believe that XXXX or Carrington Mortgage company complied with the requirement of notifying the homeowner. Causing me additional work, worry and money.
11/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 062XX
Web
Carrington mortgage service I was on XXXX since XXXX of XXXX I re submitted to extend my forbearance XX/XX/XXXX XXXX.pass due {$22000.00} I Was never informed that I was denied forbearance I received a letter in the mail certified thats said intent to foreclose. I contacted Carrington Mortgage service Informed them I received a letter fir foreclosure Custumer service rep said that my XXXXXXXX was not extended and that I had to pay totally pass due or would be foreclosed and that they sent me a letter stating I exhausted XXXX months I stated I did not receive such a letter in the mail and that online email stated the forbearance was being processed custumer service no it was denied also today XX/XX/XXXX I received the letter supposedly sent that my forbearance was XXXX months complete yet the left stated that I voluntary canceled XXXX this is out right lie by carrington Mortgsge as I have an email confirmation from when I applied to extend my forbearance dated from them XX/XX/XXXX Now I dont trust them at all custumer service on phone call stated they terminated because I reached XXXX months.
01/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91950
Web Older American, Servicemember
Carrington is falsely claiming that there is a promissory note attached to my loan # XXXX. At Exhibit A I have circled in red where it says, " Deferred balance {$16000.00} ''. {$16000.00} is the amount Carrington falsely claims I owe it via a promissory note. There is no mention of a promissory note in my Deed of Trust for my loan # XXXX. A while back Carrington told me in a letter I needed to sign some papers having to do with my loan # XXXX. I told Carrington I would not sign the papers. Carrington then told me that if I did not sign the papers, it would foreclose on me. Exhibit B is a letter dated XX/XX/2022. This is the letter I am talking about. By signing the paper I would have acknowledged that I had a {$16000.00} promissory note attached to my loan # XXXX. On XX/XX/2022 Carrington foreclosed on me without legal reason. I had to pay over {$6000.00} to get my foreclosure rescinded. Exhibit C is a copy of my recission order dated XX/XX/2022. Throughout all the above, Carrington has not yet showed me a legally signed {$16000.00} promissory note I have with it concerning my loan # XXXX.
10/13/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MN
  • 563XX
Web Older American, Servicemember
In XXXX Carrington didn't take their mortgage payment. It's now XX/XX/XXXX I believe still no payments taken out. Received a delinquency letter saying to call. As I told you earlier I don't have phone service right now. I hope you told them that in your response to them. An in their delinquency letter they sent forms for Mortgage assistance. I don't need mortgage assistance. All I need is them to take their money out of my account. It's all there waiting for them to take it. My payment date since I got this place has always been on the XXXX of each month. Since 2020 In my mind they should be removed from V.A. loans. Since I had purchased this place. 3 times other companies have bought the loan and direct pay followed the buy. But not them. I'm XXXX XXXX XXXX and know every little about internet working. This problem started when they took the contract 6 or 7 months ago. Took 3 calls to make payment. Before they told me where to go on internet to start their direct payment. They don't even have any respect if you told them I don't have phone service. To get a hold of me by email
03/18/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 616XX
Web
On XX/XX/2021 a tree fell through my house a total loss. I have since decided to leave the house pay off the mortgage and donate the lot. On XX/XX/XXXX the insurance company mailed me the check for XXXX. I sent it and due to weather it did not make it to Carrington Mortgage in Texas until later XXXX. On the XXXX site it states the check made it on XX/XX/2021. On the Carrington mortgage website it states payment received of XXXX on XXXX XXXX. My payoff amount is XXXX. My file owner is XXXX who told me to expect my disbursement in 15 business days which puts them as currently late. They continue to call me asking me for payment on my late mortgage, and have reported me as late on all three credit reporting agencies. it shows on the website at Carrington mortgage as funds received but as XXXX credited for principal, interest, escrow or late fees. Every day I check and it never change it. I called my file owner yesterday she has not called back. I don't want to have to pay my mortgage I just want to close out this chapter of my life and move on. It is Carrington Mortgage and my loan number is XXXX
08/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • AR
  • 72023
Web
In 2014, my now ex husband and I purchased a home in Arkansas with the knowledge of foundation work being done prior to us moving in and with the knowledge of there being a warranty. I found out that the warranty expired in XXXX of this year. The home is now sinking. We have multiple cracks, some wider than others. One end of the house has dropped almost 3 inches. The other end inside the garage has started to split in multiple places and also inside our laundry room located on that end as well. We have contacted multiple companies and received estimates on how much it would cost to repair and the amounts are in the thousands which we do not have. I have contacted my mortgage company to file for a lien release so we can give the home back and just move out but was told that they could not do that due to the company not wanting to take the loss. The damage to the home is slowly getting worse and the mortgage company doesnt care. My complaint is the mortgage company is refusing to work with us on this issue and as stated above its getting worse and my husband and I do not make enough to cover it
04/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34668
Web
On or about XXXX XXXX , my XXXX XXXX XXXX mortgage was sold to Carrington Mortgage Services ( Acct. No. XXXX ). While with XXXX XXXX XXXX , I went through a modification, wherein foreclosure fees were incurred and added to my principal balance, with the exception of some title and attorney fees in the amount of approximately {$1400.00}. These fees were added to my account as additional fees and NOT due and owing until satisfaction of my loa n ( language to this affect was outlined in our modification agreement ). S ince Carrington has taken over the loan, they repeatedly include these fees in my total amount due each month and report this as a past due amount to the credit reporting agencies, thereby adversely affecting my credit. I 've called and they will not correct, and state they will continue to do this. When they took over my mortgage they assumed all the terms and conditions entered into with XXXX XXXX XXXX XXXX . This lender has horrible reviews and a flawed history. Please help. This is also the same issue for the co-borrower on my loan, XXXX XXXX .
09/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • NY
  • 10024
Web Older American
Our mortgage was transferred to Carrington Mortgage Services last XXXX. They claimed that we had no insurance ( not true ) and requested that we submit proof of insurance or else be charged for their " forced insurance. '' I submitted insurance information twice, most recently on XX/XX/2023. I also twice gave them the contact information for our insurance agent. They have continued to take an extra XXXX XXXX/month from us, and have not corrected the situation. I just spoke with them again today and got the same story : Submit your policy, provide contact information for our insurance agent, wait another 5 business days. I have no reason to think the outcome will be any different the third time. This seems like a scam to me, and they should not be allowed to take money from our bank account as they have, and not to respond to the information that I have provided them. I have spent hours on the phone with them and provided everything they have asked for, now three times. We have had this mortgage for 22 years with several different servicers, and have never experienced this kind of harassment.
06/18/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77583
Web
On or about XX/XX/2020 I received my 1st notification from Carrington Mortgage stating they will know be serving my loan. My loan was previously serviced by XXXX XXXX whom my last notification from them was on or about XX/XX/2020 stating they had all documents and in process of loan modification. Neither XXXX or Carrington Mortgage notified me prior to the transfer. This is part of a long list of complaints. On XX/XX/2020 I sent Carrington Mortgage a letter requesting to utilize my rights under the CARES ACT and requested a COVID-19 forbearance on my mortgage loan by mail and through Carrington 's Portal. The next day I log in Carrington has updated the portal which stated Covid 19 assistance from XX/XX/2020 until XX/XX/2020. Carrington 's backdated my request to XX/XX/2020 please be mindful that Carrington 's did not have my account on XX/XX/2020 and XXXX was still working on my loan modification. Also if this were correct which it is not Carrington 's would have been unlawfully charging me fees under the CARES ACT. I have a long list of fees that Carrington 's charged after the transfer.
11/28/2017 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • VA
  • 220XX
Web
I called XXXX XXXX XXXX to make a mortgage payment around XXXX/XXXX/XXXX. They informed me that my mortgage was sold to Carrington Mortgage on XXXX/XXXX/XXXX. Carrington never called me. I called Carrington on XXXX between these dates to get information to make a payment. They told me that they were going to mail me paperwork. I received their paperwork on XXXX/XXXX/XXXX. Thank goodness I made a payment on XXXX/XXXX/XXXX through their automated phone system because I was concerned I would n't get their mail before the 30 day period. I called Carrington again today XXXX/XXXX/XXXX because I noticed they did n't report to any credit agencies of their mortgage acquisition. They told me they ca n't report until 60 days because of the RESPA laws. I asked them to provide me information about this and they said they could n't and that I should just research the RESPA law. My credit score has been negatively impacted because of insufficient information being reported to the credit agency. Please help me get Carrington to report to all credit agencies regarding my on time XXXX payment by XXXX XXXX.
03/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web
Hi, last month I filed a complaint against Carrington mortgage services L.L.C. ( C.M.S.LLC XXXX, Phone # XXXX Fax : XXXX to complaint because they paid ahead of time the home Insurance before give me 30 days for me to choose another Insurance or to keep the current one, so I called C.M.S. LLC to informed them to cancel the Insurance they paid in advance because I found a different home Insurance, so now after they didn't follow the Federal law to allowed me 30 days before them to paid the home Insurance, they asking me and want me to pay for their mistake, if they paid that Insurance ahead of time without informed me and give me the 30 days, they should paid their mistake, not me. 2.- On XX/XX/2021 I received a notice saying that my home address is located on " Flood risk '', and without informed me and no explanation they increase the mortgage payment, and is NOT true, on XX/XX/2021, I contacted FEMA at XXXX to confirm if my address is located on " Food risk '', they told me NO, that my home is located at NO flood risk at XXXX. XXXX they told me that my address is not on flood risk area.
06/11/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 93550
Web Servicemember
XX/XX/XXXX we filed for a loss mitigation program through mortgage managements consultants. We were in a 3 month trial payment plan. We made all of those payments. In XX/XX/XXXX we had a notory come to the house and signed papers for the new payment. During this process mortgage management consultants sold our loan to carrington mortgage. We were told to not make a payment for XX/XX/XXXX. We made XX/XX/XXXX and XX/XX/XXXX payments to carrington even tho we were never sent final paperwork about our loan being sold. We were never given a new loan number from carrington. Also they were sending us mortgage statements saying that we owed them {$40000.00}. Then all of a sudden we got papers after XX/XX/XXXX saying that our home was going to auction. Then our house was sold at public auction. There was an investor who purchased it but it go into his name until XX/XX/XXXX. We are still living in the home and we shouldnt have to move. The mortgage company has had several complaints and problems filed against them. When I call our old mortgage co they said everything in our file has been completed.
03/01/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76063
Web
My mortgage was sold from XXXX XXXX to Carrington Mortgage. First off Carrington imposed their own insurance when I already had mortgage insurance with XXXX XXXX, had for years. All documentation was sent to Carrington as proof of insurance. The imposed insurance created a shortage in escrow. When Carrington added my insurance they added it twice thus charging me twice for coverage and increasing my monthly payment by {$340.00}. Have called many times and try to resolve the issue. They have accepted they made a mistake when adding the insurance to escrow account, however, they refuse to run a new escrow analysis to adjust the payment. They said they would spread the amount over 36 months to bring my monthly payment down, money I have to pay for their error, they failed to do that as well. I have called 7 different times to resolve this issue and there is no resolution. Once the customer service representative just said you have a good day and ended the call. I do not know what else to do or if and what rights do I have, is my only option to loose my house or keep paying the raised amount?
04/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web
I went online this month, XX/XX/2020, and initiated multiple online bill payments from XXXX XXXX XXXX for Additional Principal Payments to my Carrington Mortgage Loan. Each of these payments were subsequently misapplied as regular monthly payments, despite the phrase Additional Principal Payment written in the memo section of the XXXX XXXX XXXX bill payments. I have physical documentation of said written memo section from XXXX XXXX XXXX for each of my additional principal payments. I have had multiple additional principal payments to my Carrington Mortgage Loan misapplied as regular monthly payments, and this constant, ongoing misapplication of funds has become an ongoing pattern with Carrington Mortgage Services , LLC . Calling and faxing to correct these issues each time they happens has been cost me my time, additional unnecessary interest expenses, in addition to a complete breakdown in trust in Carrington Mortgage Services, LLCs ability to reliably service my mortgage. Carrington Mortgages misapplication of funds has been an ongoing, aggravating issue that seems to have no end.
07/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NM
  • 87124
Web
Do to unforeseen circumstances we had to file bankruptcy in XX/XX/XXXX. The only month we were ever late on our mortgage was in XX/XX/XXXX when Carrington Mortgage stopped our automatic payments without notice. It took us 10 days to realize the payment was not pulled and we immediately made the payment by phone. We chose to reaffirm the loan after bankruptcy and on our XX/XX/XXXXstatement there was a {$120.00} charge but since we were not receiving statements do the bankruptcy they were unable to tell us over the phone what the fee was for. We were told by XXXX ID # XXXX that we could just pay the monthly amount and would not be charged any penalties or late fees on the {$120.00} and to fax a request in writing to find out what the fee was for. We faxed in the request and at the same time faxed in a request to start receiving statements again. Our XX/XX/XXXX statement came in and showed the {$120.00} was a fee for reaffirming our loan, is that legal? They also charged us a {$5.00} late fee for not paying the fee in XX/XX/XXXXalthough we were told there would be no late fees or penalties.
09/28/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 43230
Web
XXXX 2015, my mortgage loan was purchased from XXXX by Carrington XXXX XXXX In trying to setup auto payments the direction that I was given that I could fax over my bank account information for them to withdraw the funds was incorrect. After several calls I was later told the only way to setup auto withdrew is through the mail. Thereafter my payment increase despite being on a fixed loan. I switched insurance companies and for them to reduce my payment they stated I had to call back to ask for the analysis. So for my payment to increase no action has to be taken on my part but when there is a reduction when you have lower insurance you have to request an analysis. Unfair to the consumer. In addition, On XXXX XXXX, 2015 I called to ensure my extra payments were applied correctly to my escrow and it was not despite what the customer rep. stated who took my call. Every time I contact Carrington Mortgage I get a different response from a representative. They are pleasant but extremely inconsistent and extremely unfair to the consumer. I will be refinancing to run away from this company.
07/02/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • VA
  • 23116
Web Older American
My mortgage was sold to Carrington Mortgage Services by XXXX XXXX XXXX. I checked on that companys reputation and was alarmed to find that they are known more for being a debt collector per se. i am behind in my mortgage payments due to heat pump repairs which have happened for three years in a row. I have tried to catch up but can not afford to pay the additional amount they quote to catch up. I have been paying at mid month each month until this month. At last I am able to make a payment on the XXXX ( the due date ) and will make another payment at mid month when my Social Security check comes in. However, Carrington has set up their online payment system to prevent me from paying on the XXXX if I am behind. Per an online chat with one of their service reps, I was told that I will not be allowed to make a payment until the XXXX. I find their practice detrimental to allowing one to catch up and places them in a better position to start foreclosure. There is no logical or reasonable reason for preventing paying online only on a specific date. The odds seemed stacked in their favor.
07/31/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 62221
Web
I set up my monthly payment to be paid through my online bill pay through my bank, XXXX. It was set up to be paid on XXXX XXXX, 2015. Today, XXXX XXXX, 2015 I received notification from my bank I had been overdrawn due to Carrington Mortgage Services cashing my check before the XXXX XXXX, 2015 date on the check. According to representatives at XXXX bank, they informed me that Carrington should not have cashed the check before XXXX XXXX, 2015, and they viewed the check image that showed the date of the check as XXXX/XXXX/2015. My bank account has been overdrawn, and I received a fee ( XXXX is working with me and waiving the fee due to it being the fault of Carrington ). XXXX is not able to refund my money until later today or tomorrow at the earliest. I called and spoke with a representative from Carrington Mortgage Services and they said there is nothing they can do until the check is returned in their system, but agreed that they should not have cashed the check early. Now, I must wait to see if they try to re-deposit the check or if I will have to resubmit a new payment entirely.
02/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 027XX
Web
RECEIVED A CALL FROM XXXX @ CARINGTON MORTGAGE AT XXXX TODAY .AFTER SHE VERIFIED INFORMATION SHE STATED THE CALL WAS BEING RECORDED .I STATED I DO NOT WANT TO BE RECORDED AND CALL ME BACK ON A NON RECORDED LINE.AT XXXX SHE CALLED BACK FROM A XXXX NUMBER AND VERIFIED INF AND SHE BEGAN TO ASK ME WHY I WANTED A NON RECORDED LINE.I STATED I DO NOT HAVE TO GIVE A REASON AND SHE KEPT BADGERING ME AND TRYING TO COERCE ME TO SPEAK ON A NON RECORDED LINE.SHE STATED WE CAN NOT ASSIST IF BASICALLY DONT TALK ON NO RECORDED LINE.I TOLD HER I REQUESTED TO SPEAK ON A NON RECORDED LINE FOR MONTHS IN WRITING VIA CERTIFIED MAIL AND EMAIL AND BORROWERS ARE BEING PROHIBITED NOW TO DISCUSS HOME RETENTION LOSSMITIGATION OPTIONS BECAUSE WE WONT SPEAK ON A RECORDED LINE, THIS IS AGAINST THE LAW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! borrower has DEFINITIVE PROOF THAT A NON RECORDED LINE TO SPEAK ON HAS BEEN REQUESTED FOR MONTHS BORROWER PLANS ON A SUBPOENA THIS 2ND PHONE IN ITS ENTIRETY CALL FOR IT DISPLAYS THE EGREGIOUS PATTERN OF CONDUCT AND DEMONSTRATES CLEAR VIOLATIONS OF THE LAW BY XXXX AT CARRINGTON
09/11/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • FL
  • 33544
Web
Carrington Mortgage is reporting a mortgage the that we have paid on-time for 11 years as closed and part of our bankruptcy. This mortgage was NOT part of our bankruptcy plan. It was paid outside the plan, by us, directly to Carrington exactly as our bk plan clearly states. None of the Carrington debt was discharged, but they are reporting that it was.The bk is also discharged now so even if the status changed DURING the bankruptcy, it should be corrected now that the case is discharged. ( This was the case with my student loan. It was listed as closed then within 30 days of discharged, it changed to Open and Active. ) I 've disputed this issue will all XXXX bureaus XXXX, but Carrington keeps saying that it 's reporting correctly. I 've called Carrington at least XXXX times, but no XXXX can help. I found a number for their Research Department and Customer Advocate info online so I sent them both a fax describing the issue. ( They ca n't be reached by phone. ) This error is seriously impacting our credit score and costing us an extra 2 % on a new mortgage that we are taking out.
01/15/2022 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 28110
Web
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has served me Alert/amended notice of hearing papers to be in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX on XX/XX/XXXX @ XXXX am in XXXX, NC to foreclose on my home for a debt that has been paid and discharged in my XXXX XXXX bankruptcy back in XX/XX/XXXX. I have asked them to cease and desist, i have disputed the debt and 2 of the credit reporting agencys are showing the accounts closed. Carrington Mortgage Services has even squatted so low to tell XXXX credit agency that I made a payment in XXXX XXXX so they could restart the account as being updated. I have also disputed that lie with XXXX and they have done nothing to fix it. I am permanently XXXX, currently suffering from XXXX XXXX, live XXXX, no family or friends and barely getting by. I am not one who doesn't pay my bills when I owe them. Please help me and have them to please leave me alone. I am not bothering anybody and just want to die in peace, please... .I don't know what else to do at this point. Sincerely, XXXX XXXX.
11/23/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KS
  • 66061
Web Servicemember
Carrington Mortgage assumed my loan from XXXX in XX/XX/XXXX this is the third company this year to have my mortgage. I was in the middle of a modification with XXXX XXXX XXXX when the mortgage was sold to XXXX. Then again began a modification with XXXX and the mortgage was sold to Carrington. I received a request to pay stubs for the previous thirty days from Carrington due by XX/XX/XXXX I had just started a permanent job also sending Carrington the offer letter received from my current employer. I began the job XX/XX/XXXX. I did send my previous pay stubs from a XXXX position which ended XX/XX/XXXX. I have received two checks from my current employer emailed everything to Carrington. I had only received on check by the time frame given and emailed directly. They have now cancelled the request because they did not receive the information when requested! How ridiculous. I was injured at work in XX/XX/XXXX had XXXX XXXX XX/XX/XXXX and was unable to work for several months and had not received work comp benefits for several months. There is a letter from my attorney stating this!
07/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75211
Web Servicemember
I contacted Carrington mortgage, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, because they were charging me late fees. I have NEVER missed a payment. They changed the payment amount in XX/XX/XXXX but since I was overseas I did not get the message. Apparently escrow analysis was done and they changed the amount of the escrow payment - making my full payment to fall short of what they were charging. The fixed rate principal and interest did not change - their analysis of the escrow taxes or insurance did yet they felt inclined to hold my payment " in suspense '' until the next payment arrived then " applied '' the previous payment.

They held my money, not applying it to principal nor to my regular payment justifying charging me late fees. This seems quite unfair. They are refusing to waive or reverse any late fees even though I have made my mortgage payment to them without fail and on time for more than 15 years.

Apparently Carrington Mortgage holds peoples money in their bank without credit or interest. This seems illegal to me. Please investigate their practices and charter.

10/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 23234
Web
I had a mortgage with XXXX XXXX. I made all payments, I even had a payment plan with them, bi-monthly. They closed that program down wth no warning. I was injured on a job, had XXXX fell behind in payments, caught up the month in question is XXXX. My daughter and I made the full payment, late but it was made. Later on XXXX had a Home preservation program ( loan modification ) I entered it during XX/XX/XXXX. The modified payment began on XX/XX/XXXX- XX/XX/XXXX, a six-month program. after it was done I was to resume my normal paymens. Somewhere along the way, XXXX destroyed six months of payments they transferred my loan to Carrington, then they said I was behind and owed Carrington the six months of payment beginning in XX/XX/XXXX including the difference from the modification payments. I have my records that shows I paid everything and Carrington will not accept them because of a missing signature on faxed copies. They have sent back my payment for XX/XX/XXXX. They accepted my payments for XX/XX/XXXX and XX/XX/XXXX. They told me they will not accept anymore payments from me.
08/25/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • TN
  • 38128
Web Older American
This issue is regarding my escrow account and mortgage amount. My city, property taxes, and home insurance did not increase for the year, XXXX. But Carrington ran the amortization using a projected increase and therefore, increased my mortgage using that inaccurate projection. However, I tried to prevent the increased payment by paying {$1500.00} directly into my escrow account on XX/XX/XXXX. I then asked for a new amortization. The company did so and sent me a check in the amount of {$1000.00} on XX/XX/XXXX, but still they increased my mortgage payments. My starting mortgage payment in XX/XX/XXXX was {$680.00} which it has been since Carrington took over my loan. My payment increased in XX/XX/XXXX to {$780.00}, then it decreased in XXXX to {$740.00}. And even though my payment decreased after the inaccurate increase, I feel that {$740.00} is also inaccurate. How can there be an Escrow shortage, the reason given for the increase, when I received a check in the amount of {$1000.00}? I would like this issue investigated to determine if my mortgage payment amount is accurate.
11/23/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MN
  • 56560
Web Older American
Received letter from Carrington Mortgage Services stating repo and that owed 2 payments. Had mailed 1 payment that week and found out that the extra sent prior was held as it was not a full payment. I understand that. So, I overnighted the balance on Monday and it was tracked to delivery on Tuesday. Waiting until Friday to check if posted and found that neither were. Called them and they said they had received neither the check mailed a week earlier or the overnight. They stated that I would have to prove that anything was sent. I stated the tracking stated it was received. Now a week after still neither have been posted. I used the address on the letter for overnight, and the payment mailed was sent it their envelope with their address. What can I do to get a straight answer from them? Their customer service is totally lost. I know the payments are my fault, but goodness how do I fix if they are n't posting and receiving payments. I want to get this up to date asap. What can I do? I am afraid to double the payments as they may then deposit and post the old and new monies.
10/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • GA
  • 30125
Web
My mortgage was transferred from XXXX to Carrington in the middle of a loan modification that would take my payments from {$860.00} to {$740.00} and extend my loan payoff date to 40 years instead of 30 years. XXXX negligently did not complete the process before selling off my mortgage and Carrington negligently has refused to respond to my emails asking for a letter verifying they were working on my loan modification. Carrington has only sent me letters of intent to foreclose and when I call them and ask them why they tell me not to worry and that they are still working on the loan modification, but still refuse to give me that reassurance in writing. So at the end of the day, all I have are letters stating I'm about to be foreclosed on. Nobody knows where in the process my loan modification is. Everybody keeps says 'if I did what I was supposed to do on my end, everything will be ok '. They refuse to acknowledge that they are modifying my loan in writing. If I have to file for bankruptcy to stop a foreclosure I will take Carrington to court for pain and sufferings.
12/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29420
Web Servicemember
I was in an active bankruptcy from XXXX of XXXX to XX/XX/XXXX. During the time I was also under a Covid-19 forbearance. I was also applying for a loan modification. I paid off my Bankruptcy early. I also received the funds to pay all of the back mortgage and did not need a loan modification. Carrington Mortgage has since started reporting to the credit bureaus multiple times that I was late in XXXX of XXXX. I have had to dispute the report three times. Every time It was fixed It was reported again the next month. Carrington has told me the credit bureaus are reporting inaccurate information against their will. They said they have no payment history for me during that time and are not reporting me late. XXXX has told me they can only report what Carrington gives them. I asked Carrington for a letter stating I was not late and they said no one can write me a letter. I told them its against the law to report me late while I was in an active bankruptcy and they said because I was in a Covid-19 forbearance and not a natural disaster forbearance they can report me being late.
12/31/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • VA
  • 23434
Web
For nearly a year, my mortgage servicing company has been holding funds paid through them for repairs to my home pursuant to an active claim with my homeowners insurance company. Needed repairs to my home have remained incomplete for more than a year because they have failed to respond to my repeated calls with requests that they engage with my insurance company to resolve the conflict between their protocol for releasing funds, and the insurance company 's protocol for advancing payments for my contractor 's incremental project bids for repairs. I have been reaching out to management in the mortgage company 's " Loss Draft '' department for more than two months now to attempt to engage with the proper authority, but to date have not received any response whatsoever. My insurance company has also attempted to engage with the mortgage company on my behalf also, but have been unsuccessful also. I am appealing to the CFPB as a last resort to enlist your assistance with getting them to give my situation the attention it deserves given how long things have languished.
06/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 23464
Web
Carrington Mortgage had threatened foreclosure. XXXX XXXX XXXX was hired and XXXX XXXX Bankruptcy was filed. I was advised by my lawyer at XXXX XXXX XXXX to avoid foreclosure and work with loss mitigation sign a Deed in Lieu of Foreclosure. Carrington Mortgage loss mitigation was contacted, Deed in Lieu documents were provided, completed and sent via XXXX back to Carrington in the beginning of XX/XX/2020. Recently when we were trying to buy a home, we discovered the lawyers for Carrington 'sold our home as a foreclosure ' even though the Deed in Lieu was signed. Not only does our credit show a foreclosure, but with the foreclosure, the second mortgage was not paid off. The Deed in Lieu would have cleared the 2nd mortgage as the mortgage insurance would have cleared any and all liens on the property. I have made multiple attempts with Carrington to alleviate this situation to no avail. We are unable to purchase a home and are having an extremely difficult time even trying to find a place to rent. Our lease expires in one month and we will be XXXX at that point.
01/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 79761
Web
In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Carrington. I was unaware this had happened until the end of XXXX and did not receive contact information from the new loan servicer, Carrington until the end of XX/XX/XXXX. They would not let me pay via online, by phone via automated pay, or set up a draft. I mailed in payments via check for XX/XX/XXXX and XX/XX/XXXX, which cleared. The payment I mailed in for XX/XX/XXXX never cleared and yesterday they returned my XX/XX/XXXX check for payment with a generic letter refusing to accept it until I pay the full amount required but did not state in the letter what the amount is. My monthly mortgage payment is {$1300.00}. For XX/XX/XXXX and XX/XX/XXXX, I paid {$1400.00} each month. For XX/XX/XXXX, I tried to pay {$1400.00}. I have tried to contact them via " online chat, '' via email and also via telephone. I tried to pay by phone and the automated system and they will not allow me to, nor does my online account allow me to pay online. I also attempted to set up auto-pay from my checking account and it will not go through.
01/09/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MN
  • 55447
Web
We applied for and were approved for a mortgage on a new build in XX/XX/XXXX. We gave XXXX XXXX, XXXX XXXX, our closing date of XX/XX/XXXX. We provided ALL information as requested and paid appraisal fees within 24 hours. Our Title person reached out the week before and of closing with no response. We reached out daily and were told it was fine and moving along. We got a preliminary CD on XX/XX/XXXX showing everything ready to go. On XX/XX/XXXX, our closing date, we were asked for the same materials we had sent and a bunch of new information. It was sent. We missed our closing. We spoke with a supervisor who told us he didn't understand why there was a hang up. We agreed to move the closing to XX/XX/XXXX. On XX/XX/XXXX, the mortgage company asked for more statements showing daily balance and running daily balance. We have closed on 2 houses in the past and have NEVER had these problems. We continue to get the run around on XX/XX/XXXX and have no idea why this is not happening. They had 6 months. This is costing our family money, time and is beyond distressing.
04/22/2022 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30512
Web Older American, Servicemember
Collection of my VA loan recently changed from XXXX to Carrington. I sent Carrington my check for {$5000.00} with specific instructions that the amount should be applied to my principal. Carrington cashed my check and instead of applying the amount against my principal, they prepaid monthly payments into XXXX to include the prepaying of escrow amounts. I have never been late with a payment against my loan with XXXX and I have already made my first payment to Carrington. I contacted Carrington and they said they would correct the error within 48 hours. Five days later, the amount was still listed on their website as applied against my monthly payment. My principal was not reduced and my non-interest bearing escrow ( for me ) has exceeded the amounts needed yearly. I contacted Carrington a second time and they told me that " these complaints are handled in the order they are received and it will be 30 days before they can solve my problem ''. They are using my money and denying me the reduction in principal. Carrington is handling my VA loan in a disreputable fashion.
05/11/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IA
  • 50310
Web
My FHA Mortgage servicer, Carrington Mortgage Services, is refusing to review my complete application for the Making Home Affordable Programs siting false giudlines that I can not apply for a review without estranged ex-wife 's income. They have advised the only way to get a modification review would be to fraudulently inflate my affordability by including her income on my application for this federal program. I have sought out the assistance of a third party and we have made multiple attempts to escalate the request within the line of business. However ; my servicer continues to direct me away from applying for HAMP instead directing me toward the unattainable reinstatement or assumption processes. I have had a document-able, short term, hardship and now have the ability to make mortgage payments. I also have the desire and commitment to maintain my home-ownership. The staff has been rude, uninformed, overbearing, condescending and confrontational. Due to the level of service I 'm becoming increasingly convinced this is a predatory tactic to foreclose on my home.
05/28/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20602
Web
I am behind in my mortgage, and trying to sell my property. I received a grant from the Maryland XXXX when I purchased, that was supposed to be paid back upon sale. I received a payoff from Carrington Mortgage on XX/XX/2019. The payoff reflected an " other unpaid expenses '' amount of {$5400.00} with no breakdown. There is a breakdown of attorney 's fees attached to the payoff of {$4000.00} ( a difference of {$1400.00} dollars ). There was also an escrow overdraft of {$8900.00}, with no breakdown, or explanation. The title company has been contacting Carrington since XX/XX/2019, to ascertain if the grant is somehow being collected in these numbers, and essentially get a breakdown. They faxed and emailed requests stating the concerns, and only received a new payoff with higher, also unexplained numbers. I have a buyer that is ready to purchase my property, however my realtor can't calculate a sales price with XXXX XXXX dollars unexplained. I have asked them to postpone the foreclosure, and I was told that Carrington is not postponing any foreclosures right now.
06/26/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NM
  • 87112
Web
Carrington Mortgage bought my loan about 3 mo ago from XXXX XXXX XXXX. It is a XXXX property. With escrow etc it comes out to XXXX monthly. I found out my insurance company had increased my policy by 3 times the amount in XX/XX/XXXX. This brought my escrow account to XXXX negative. I cancelled that policy effective XXXX XXXX. And started another policy that is 3 time less. With no warning or chance to pay the negative escrow Carrington just sends me a bill for my new payment of XXXX mo. On a XXXX property that only has XXXX yr taxes. They want and escrowed amount of XXXX mo. I have called them twice and now emailed them in reference to this. Their agents tell me it is an escrow cushion. They are asking for XXXX year escrow and my property taxes are XXXX and my insurance is XXXX yr. I told them I wish to pay the negative escrow not to raise the payment. Even with the old insurance amount, negative escrow, and taxes they are still asking for an additional XXXX in my escrow account. I sure can not afford to have my monthly payment increase by XXXX just like that!!!
07/26/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • KY
  • 410XX
Web Servicemember
Carrington purchased my home mortgage loan from XXXX back in XXXX and I have had nothing but issues since. I have never missed a payment and even pay early, but they have not applied my payments to my account and show me in default. I have called them 4 times starting back in XXXX and each time they tell me it will be corrected and nothing will be on my credit report. These are both lies as my account still shows I am behind on my mortgage payments when I am not and also they have notified the credit bureaus that I am 60 days overdue on payments. I have attempted to dispute these credit reports, but Carrington lies to them as well and tells them I am behind when I am not. I have bank payment records from XXXX proving this fact and also proof of receipt by Carrington. This is criminal and needs to stop as false reporting on your credit tanks your score, hinders your ability to find employment, purchase a vehicle etc. Now I will have to hire real estate attorneys and pay excessive fees just to fix a problem they have caused. They should not be in this business.
06/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75455
Web
We have purchased a new home. We still are paying the mortgage on our previous ( first ) home. We are trying to owner-finance a sale of the first house. However, the title company asked we receive a letter of permission from the lein holder, Carrington Mortgage. On XX/XX/XXXX, I contacted them by phone to ask for this letter. They sounded confused as to what I was asking. They asked that I fax a letter requesting the permission to their Research department. I had my agent fax that letter the same day, XX/XX/XXXX. I phoned back on XX/XX/XXXX and the representative claimed that the fax receipt was not in the system, and if it is not there, they can not help with any further information. When I asked whether she could contact the department and verify, I was told she has no way to contact them, and I should wait until the 20 - 30 allotted business days were up. We have yet to receive any information or response to the letter or phone calls. As of last week, XX/XX/XXXX, their customer support system was having technical difficulties and the office was closed.
11/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 310XX
Web Servicemember
My wife and myself started a loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia on XXXX XXXX, 2000. My wife and myself have been paying faithfully from the start. According to certain clause in the contract my mortgage payments were to decrease over time of loan until finally payment. AS the payments were to make another decrease, my wife and I received notice that our loan were transferred and sold to XXXX XXXX XXXX. This was strange since XXXX XXXX now owns XXXX XXXX XXXX. During the process, my account number were changed, my property location were changed to reflect a home in XXXX Minnesota. We contacted XXXX, and informed them of the problem, but they ignored our complaint. They kept implying that I had a Bankruptcy, and my account was locked from decision. Now my so-called loan has been transferred and renewed with Carrington Mortgage Services in XXXX Indiana. I have been paying for a loan on the wrong house for two years now. I wonder what happened to my original loan. This situation has put my job in jeopardy and have put stress on my marriage.
05/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30331
Web Servicemember
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Su bject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
11/15/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • XXXXX
Web Servicemember
Carrington Mortgage Services LLC refuses to acknowledge and respond to Borrowers requests for information. In a request for information dated XX/XX/2022, in which the Borrower requested Carrington provide the Borrower copies of specific information relating to their loan modification determinations that adversely affected the Borrowers loan. Carrington neither acknowledged or responded to the Borrowers RESPA consumer inquiry letter. See letter attached. Further, on XX/XX/2022, the Borrower submitted ( for the third rime in 2022 ) a request for a copy of their mortgage file. Again, Carrington neither acknowledged or responded to the Borrowers RESPA consumer inquiry letter. See letter attached. Both letters were emailed and faxed to Carrington. Borrower received confirmation of successful transmission of facsimiles. These discovery requests and their associated production by Carrington is essential and necessary to the pending actions the Borrower is compelled to take in order to access all of the Federal mortgage relief programs this VA loan is eligible for.
10/22/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 601XX
Web
On XX/XX/XXXX I discovered that my Mortgage Company never processed my XXXX XXXX payment. I have verification from the mortgage company app stating that the payment was scheduled for XX/XX/XXXX. Because of this error by the mortgage company, they have added late fees, and reported this to the credit agencies; resulting in a XXXX loss on my credit score. I faxed a letter to the mortgage company on XX/XX/XXXX explaining that this was no fault of mine, it's their fault. I have also NEVER been late on my mortgage payments in the past. Carrington Mortgage Company seems unwilling to work with me to make right of this situation. I also received a certified letter in the mail today stating that I am in default and if a payment is not received, they will start foreclosure proceedings. This is absolutely absurd that a hard working, tax paying, American citizen can be treated like this by a mortgage company. I would appreciate advise on how to proceed as soon as possible. XXXX XXXX XXXX Mortgage Company : Carrington Mortgage Services LLC XXXX XXXX XXXX XXXX, IN XXXX
08/05/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 78254
Web
To start, I asked the mortgage company to remove the PMI from my escrow payment since I was below the 80 % limit. They seemed to have ignored my letter until I filed a complaint with this bureau. After I filed the complaint, they removed it and did a new escrow analysis that calculated that I was {$48.00} short and that it would be spread out into 12 payments of {$4.00} included in my payment. That same analysis also mentioned that if I paid the amount in a " lump sum prior to the effective payment date, your monthly payment will be reduced by the monthly shortage payment amount. '' I paid the shortage of {$48.00} on the XXXX of XXXX ; before the effective date of XXXX XXXX. However, both XXXX 's and XXXX 's statements still included the {$4.00} monthly escrow shortage amount. I called and asked about the discrepancy and was told that sending in an escrow payment " does not automatically trigger a new escrow analysis ''. She refused to straighten out the problem and simply offered to request a new escrow analysis. ( I did let her request the new analysis. )
02/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • SC
  • 290XX
Web
During the time from my original date of building my home, father deeded me ( .XXXX acres ) dated XX/XX/XXXX from the XXXX acres he originally purchased on XX/XX/XXXX. I have refinanced my home since the original date of obtaining property, which this took place on XX/XX/XXXX during this time the closing attorney staff ( XXXX XXXX XXXX, XXXX ) did not examine my portion of the legal description ( .XXXX acres ) closely and ending up including the parcel that did not belong to me. Sometime back in XX/XX/XXXX my sister made an attempt to mortgage her portion of the property during a title examination, and discovered the mortgage lien was attached to her property. This being said ; has made the entire Mortgage Note ( Carrington Mortgage services ) invalid since it included an executed instrument on a parcel that did not belong to me. I have made several attempts in contacting both the mortgage servicer and the attorney in trying to resolve this matter. This has been very XXXX for the past 9 month for both my sister and I with the failed attempts in resolving.
10/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 06514
Web
My complaint is about a {$11000.00} " capitalization fee '' that I was charged for a loan modification back in XXXX, that reduced my mortgage loan interest rate from 9.0 % to 8.25 %. I contacted my mortgage company twice to have them send me my original loan documents and the modification documents, which they did send me some documents but they were minus all of the pertinent information. I eventually found my documentation from the modification, which is why I know that they charged me {$11000.00}. The reason why I think that there is something amiss about this is because they didn't send the complete documentation and their reluctance to assist a client who has been making on time payments since the modification in XXXX. I also just happened to read an old article from a XX/XX/XXXX " XXXX XXXX '' about a woman that was approved for a loan modification for her house and was charged a " closing fee '' of {$11000.00}, which the bank had to correct after the woman contacted your agency. I don't know if it's similar in any way, but I have no other recourse.
12/11/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • PA
  • 19121
Web
Upon acquiring my residence on XXXX Guaranteed Rate served as our mortgage broker, providing a 30-year fixed-rate mortgage at 2.75 %, amounting to {$2100.00}. Subsequently, on XXXX our loan transitioned to Carrington, adjusting my payments to {$2400.00}, comprising Principal & Interest ( {$1600.00} ), Escrow Payment ( {$600.00} ), and a concerning Shortage Payment ( {$170.00} ). The unexpected increase of {$280.00} to my mortgage, prompts suspicion. In XX/XX/XXXX, notification of a XXXX XXXX surplus refund arrived, altering the mortgage breakdown to Principal & Interest ( {$1600.00} ) and Escrow Payment ( {$390.00} ), totaling {$2000.00}. This structure persisted until our XXXX XXXX XXXX statement, which billed {$2400.00}. Despite possessing a ten-year tax abatement, efforts to rectify discrepancies have proven futile. Visits to the tax office yielded no filing errors. I seek expeditious resolution and clarity amidst a poor experience of being transferred and encountering evasive responses. If needed I can provide all the escrow analysis statements.
12/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 011XX
Web
I have been working with the Short Sale Lender for almost 6 months to try to close this short sale. The previous Buyer walked but I recently received an offer from another Buyer around the same time that the Servicer assigned a foreclosure date on the house. The Servicer is refusing to postpone the foreclosure date and will not review the short sale offer despite us sending over all the documents they need to review the file for a short sale. We also requested an updated value to be done to the house but the Servicer responded that they needed an offer first before an updated value could be ordered which was a difficult position they put me through because the property was marketed for a long time and could not get an offer at the amount that the Servicer set the value for. So this was like a catch-22 and when the Servicer assigned a foreclosure date for the house, we could not convince them to order a new value despite the fact that they knew that the property needed many repairs, and that it was on the market for months before a 2nd offer was received.
09/12/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60660
Web
I received a check from Carrington Mortgage Services in XXXX XXXX and misplaced the check. I tried to cash the check in XXXX XXXX and was denied by my bank. I called Carrington in XXXX XXXX to request a new check and was told they will reissue it. Subsequently, I called every month to check on the status and received no check. I called them in XXXX and was told that they will reissue it. I called in XXXX XXXX, XXXX and spoke with an agent named XXXX who told me that the check was endorsed and cashed. XXXX told me to request XXXX XXXX ( my bank ) to fax over the letter showing that the check was not cashed. I called XXXX XXXX and they did faxed it to XXXX, the number XXXX gave me. I called back on XXXX XXXX, XXXX and was told by a female agent named " XXXX '' that Carrington never received the fax and the number belonged to another individual. XXXX informed me that she will email XXXX and his supervisor to follow up with me to resolve the matter. They have yet to call me. No one at Carrington had ever called me back to resolve this matter since XXXX XXXX.
06/16/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92201
Web
I fell behind on my mortgage. I started a loan modification with to try to get the situation straight. The mortgage company slow played the process dragging it out ove r nine months and to the point where they said they could no longer help me. I was referred to another organization for help that in turn could not therefore dragging it out even longer.The communication between myself and this company has been nil an d although I was issued a rep ( point of contact ) to handle this case, I have never been able to speak to this person. After all of this, my attorney has faxed a 3rd party request to this company four time since XXXX XXXX , 2017 and has even emailed it to supervisor XXXX XXXX . As of today, XXXX XXXX , 2017 he still does not have access to my account. On XXXX XXXX , 2017 , the company did receive a faxed loan modification application and still a single point of contact has not been assigned. I just want to try and keep my home and due to this company 's incompetence and lack of communication I am filing this complaint.
06/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 117XX
Web
I have repeatedly asked, faxed, and e-mailed Carrington Home Mortgage for an itemized list of all late charges since they obtained our mortgage- specifically wanting details of exact charges and why. They have refused to comply other than mailed documents that literally were just numbers on a page. Now Carrington Mortgage is charging a {$5.00} " convenience charge '' to pay our mortgage online. The only way to pay our mortgage without a fee is to enroll in their automated system, which disallows a grace period, and is in essence, other than that exact method of allowing them to take money automatically from my bank is the only way to stop them from otherwise charging me to pay my mortgage on time. This is called " pay for pay '' and in currently illegal in several states. There is currently a class action suit being developed against Carrington and other companies that use this unethical, and often illegal method. Please address with this with them. I will also write to my elected officials and publicly share my experience on various forums and media.
09/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30084
Web
On XX/XX/XXXX I submitted my payment through the Carrington Mortgage website. A week later I received a letter stating that the payment date, amount and confirmation number of that payment. On XX/XX/XXXX I received a letter stating that I did not pay my mortgage and that a fee would be assessed. When I called the company, they said that they could not locate the account and that since payment was not made in time, I was late. When I asked why they did not contact me and let me know that they could not find the account information, and that I received a confirmation of payment letter, they stated that they " manage XXXX mortgages and that they may not have gotten to me ''. When I stated that this was not my fault, they said it was they stated " it was my fault because it was done through the website and I entered it incorrectly. ". I said " how do you know that and if that was the case why did n't I get a notification that you did not have the right information instead of a confirmation of payment? ". They referred me to the voicemail of a supervisor.
09/16/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 754XX
Web Servicemember
I have been trying to get off of covid forbearance since XXXX of XXXX. I have a VA loan. I want on code forbearance due to me being XXXX from my job for 18 months. I haven't been back with my job for over a year now. I keep submitting applications and paperwork over and over again for the loan modifications. In XXXX of XXXX I finally was assigned a representative from the company. They help me get all the paperwork finally into underwriting. The company now is dual tracking and is foreclosing on my home while I'm in loan modification review. I keep reaching out with questions like what type of loan modifications they offer veterans for a VA loan. This company is more worried about foreclosing on my house and putting myself and my XXXX kids on the XXXX. My finances have improved greatly and I know I do qualify for a loan modification but this company refuses to work with me in this matter. I will be pursuing other ways of getting this information out about how this company is treating veterans. This company does not have your best interest in mind.
02/15/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NH
  • 032XX
Web
Carrington MS has never provide me with a a copy of their policies and procedures as a transferred mortgage which originated with XXXX XXXX XXXX to Carrington MS in XX/XX/XXXX I have never been given in writing what their policy is on blocking mortgage payments so the homeowner can become current. In addition, I have never been notified in the mail or received a phone call from Carrington MS that they needed to speak to me or that there was a risk of foreclosure. I made two payments in XX/XX/XXXX and they were not rejected. I did not realize there was a problem until my payments were returned that I sent through XXXX XXXX on XX/XX/XXXX Carrington Mortgage never sent me a letter of explanation of refusal of payments and I did not find out until I received mail of XX/XX/XXXX Lastly, the amount of the late fees have fluctuated over the months have been increasing with unknown fees still being claimed to be from my previous mortgage servicer, XXXX XXXX XXXX being added which was suppose to have been resolved previously in a closed case in XX/XX/XXXX.
11/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63123
Web
On XX/XX/2018 XXXX XXXX representing Carrington Mortgage Services LLC placed an unauthorized hard credit inquiry via XXXX when attempting to sell me one of their products. During the phone conversation she made a request to check the last 12 months payment history with XXXX XXXX XXXX as they recently had purchased my FHA loan from XXXX XXXX XXXX. She guaranteed that this was to check the history from XXXX XXXX XXXX and not a credit inquiry. Immediately after she had run my unauthorized credit pull, I received notification from my credit monitoring software and I contacted her via email ( attached ). I was told that she did not believe that it was a hard inquiry. I proceeded to pull my XXXX, XXXX, and XXXX reports displaying the unauthorized hard inquiry on XX/XX/2018. I made the request to have the unauthorized credit inquiry removed from my credit report. XXXX responded that she could not and that I may dispute this with my credit bureaus and stopped communication. I proceeded to contact her listed manager XXXX XXXX, receiving no reply as well.
08/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32507
Web Servicemember
Original Loan XXXX XXXX XXXX Refinanced XXXX Carrington Mortgage Services LLC Judge Ruling XXXX Legal Fees Assessed XXXX XXXX Filed XX/XX/XXXX I filed for XXXX and was 5 months behind on mortgage when I received XXXX. The loan was sold during foreclosure. I attempted to bring the payments current but mortgage company refused, demanding full balance and started foreclosure. I obtained legal service through XXXXXXXX XXXX XXXXXXXX XXXX, which I was exempt from paying for any legal fees due to my income/disability. The judge dismissed the case, no prevailing parties and I was to pay for my own legal fees. A loan modification was done and debit authorization for mortgage payment. Mortgage company assessed legal fees and placed on my mortgage statement as past due. This does show on my credit report. The assessed legal fees are ridiculously high and no proof of their fees from their attorney and/or filing fees or court costs except what they want to charge. Please see the attached original mortgage loan, judge ruling stipulation and correspondence.
05/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 13021
Web
We went into contract to sell a parcel of land on our property in XX/XX/XXXX. In XXXX of XXXX we notified Carrington Mortgage that we needed a partial release of the lien on the mortgage to complete the sale. We began the process of obtaining a partial release of the mortgage for our property at XXXX XXXX XXXX in XXXX New York. We were told it would be processed by XXXX XXXX the We were informed on XX/XX/XXXX by XXXX XXXX XXXX and Escalation Specialist with Carrington, that there was a problem with the assignments not being recorded. There are three assignments missing including the assignment to Carrington who says they hold the note. It is now XX/XX/XXXX. We do not have the partial release of the lien. And now we don't know, nor can Carrington prove, that they hold the note. Carrington 's customer service line will not let us through to legal department, lien department or the escalation department so we can not get answers. We have asked customer service reps to relay the message that we need to talk to them but no one returns our calls.
05/15/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20705
Web Older American, Servicemember
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX XXXX our mortgage company is Carrington Montague serving LLC Account Number : XXXX. On XX/XX/2018 a tree fell on my garage. It went through the garage and through the ceiling causing quite a bit of damage. It took us a long time to find a company to do the repairs with the amount that was sent to us to repair the damages. When we deposited the check the bank deposited the amount into the account and then stopped payment because they said that the XXXX XXXX must also sign the check. ( see attached letter that the check was attached to, note the end of the letter says CASH IMMEDIATLY ) now the roof is off completely because we thought that the money was in the bank to pay the repairman. Our premium is paid by us through the escrow account and is paid until XX/XX/2018 It is such an inconvenience to have to wait for another check to be re-issued sent to us and then sent to them to have them sign it Why they don't pay for our insurance policy we do!! insurance XXXX XXXX XXXX claim # XXXX Policy # XXXX
05/17/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33023
Web
I was with XXXX XXXX XXXX for 8 years and they sold me to Carrington Motrgage. I have requested a modification due to unemployement and turned in the package as of XXXX/XXXX/2016 with new income from employment. It has been more than 37 days and have not received a call for a work out or anything. They mailed me a letter yestersday stating that they still need more documentation after they have said they have everything? They are needing proof of occupancy from us? They have are address on the bank statements and other paperwork? They are also requesting that we show earnings? We have that listed on the profit & loss that we submitted with the package XXXX days ago and they said it was fine? On the other hand, XXXX XXXX XXXX started this whole thing when they denied me for a modification after I showed them 30 days of check stubs for new employment and sold me to this bank that is known for being unfair with the XXXX Consumer. They sold the mortgage in XXXX of 2016 to Carrington and they have delayed the process of the home retention program.
12/03/2022 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30132
Web
I originally had a mortgage through XXXX XXXX which was never paid late. Then on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXX XXXX and then to Carrington mortgage Bank. Carrington rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXX XXXX apologized and removed the late payments. But XXXX and Carrington have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.
12/08/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 95901
Web
We have been struggling during COVID 19. We took our mortgage company 's forbearance help. My husband was told by one of their agents that after the forbearance that our balance would be put on the end of our loan. That was not the case. We extended our forbearance to avoid foreclosure and we started paying our monthly payments during the extended time. I was told by an agent that we could do a streamline while in the extended forbearance. I can not find a loan servicer that can do a streamline for us due to the inaccuracies on our mortgage statement and the fact that we are in a forbearance. On my payment history, it shows we have been paying our mortgage since XXXX. On my mortgage statement it shows that we haven't paid since XXXX and delinquent which loan servicers go off of the mortgage statement. During the extension, I applied for mortgage assistance and was denied all of the programs except a short sale. We owe a little over {$7000.00} and can not come up with that money all at once. We are going to lose our home to these scammers.
06/29/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 78702
Web
Loan sold from XXXX XXXX XXXX to " Carrington. '' Within 2 months of sale, escrow payment skyrockets. As apparently as it was explained to me by " Carrington '' XXXX XXXX XXXX did not require a " 2 month cushion '' in my escrow, but " Carrington '' does. Therefore, my escrow skyrocketed. I had no say in this, no warning, no nothing. But a {$140.00} increase in my monthly payment 2 months after being sold to " Carrington ''. They waited 2 months to hit me with the bad news. They say to pay off my " 2 month cushion '', I need to pay them nearly {$3000.00}. What " Carrington '' has done is INCREASE MY MONTHLY PAYMENT FOREVER by adding " their own '' requirement that has nothing to do with my loan. I was NEVER given the opportunity to ask questions, to understand this would be coming, to shop around for a different mortgage holder -- nothing. My loan was simply sold and my escrow skyrocketed. What other new amount will " Carrington '' add to my loan WITHOUT NOTIFYING ME? When will " Carrington '' mandate that I have to have a " XXXX '' cushion?
04/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10128
Web
I purchased a new home at on XX/XX/2019 and originated a new mortgage in the amount of {$450000.00} at that time with XXXX XXXX XXXX As is required, I paid a mortgage recording fee at the time of origination of my loan to the city. About a month later, the mortgage servicing rights for that loan was sold to XXXX and subsequently, effective XX/XX/2019, to Carrington Mortgage Services , LLC . The first piece of paper I received from Carrington Mortgage Services , LLC, arrived on XX/XX/2019, and with it a recording fine of {$40.00} listed under " XXXX recording fee. '' I subsequently contacted the company on XX/XX/XXXX and XXXX to understand what the fee was for and at first was told that it was a fee charged to homes in foreclosure ( which mine is not ) and then told that the " best guess '' is that it is the mortgage recording fee paid to the local authorities at the time of origination of a new mortgage ( which mine is not ). I have received absolutely no remedy from the company, except requests to make my request in writing, which I have.
10/31/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78840
Web
I have a previous complaint that is still in progress. I finally got a hold of the mortgage company Carrington Mortgage and found out what I needed to complete the loan modification. I waited for weeks and even tried numerous times to reach the company. Each time I was made to wait long periods of time. I am presently in a XXXX education program and I student teach so I can not afford to wait on the phone all day. When given the option to have a callback, I selected yes but no one calls back that day. I waited for more than a week until someone called. Unfortunately, I was in the middle of XXXX. Finally today I got a hold of someone. They told me that all my paperwork was in but that I missed the deadline. Not once was I told about a deadline. Even if there was, I think that it is very unfair not to be give the information I need to complete the file. Then I am penalized for being late due to the company not answering my call or even calling me back. This is ridiculous and is not professional in my opinion. I need this situation escalated.
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 201XX
Web Servicemember
We took a 6-month forbearance in XXXX through XXXXXXXX XXXX Immediately upon the end of the forebearance, we negotiated a loan modification to include the amount owed rolled into a new loan at a higher interest rate ( of course ). During the end of this loan modification process, Carrington bought our loan and has not updated our our account with the signed loan modification - even though we have provided the signed modification that is currently on our XXXXXXXX XXXX account website, along with our payment history. We have not missed a payment. Carrington also has documentation of us honoring the terms of our loan modification on their website but said administrative issues have precluded them from transferring the modification and updating our account properly. I have a signed copy of our notarized modification, and both XXXX and Carrington have documentation showing we have met the terms of payment. We would like to sue Carrington and XXXX for mishandling our loan modification and causing harm to our credit report and livelihoods.
03/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • GA
  • 31312
Web
Carrington Mortgage Services LLC purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. Carrington is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? Please note that I have already made XXXX timely payments to Carrington for XXXX 2022 and XX/XX/2022. I also reached out to XXXX, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.
04/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75068
Web
I received an escrow statement from Carrington Mortgage Services on XX/XX/XXXX. They made an extra payment of {$1000.00} on my property taxes. As result, i called Carrington Mortgage Services and paid off the entire {$1000.00}. However I have to face the following problems : 1- I never received a new escrow analysis despite my request. 2-Since XX/XX/XXXX I have spoken to several people who pretended to be the managers and experts in escrow analysis. But they never honored the request of sending me an escrow analysis and telling me my new mortgage payment. 3- All the agents from Carrington were unethical and unprofessional. Among them, I can cite XXXX id # XXXX, XXXX id # XXXX, XXXX id # XXXX XXXX I firmly believe that Carrington Mortgage Services is overcharging me despite my payment of the entire difference on the escrow account. 5- Given the unethical treatments i have endured with Carrington Mortgage Services for many years, I would like our mortgage to be handled either by XXXX XXXX XXXX or XXXX XXXX where it originated from.
08/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 28304
Web
I've already filed this same complaint with your agency and you referred my case to the Office of the Comptroller of the Currency which referred me BACK to you! At this point, I've been going back and forth with you on this matter since XXXX XXXX Who can help me? PLEASE : REFER TO CASE # XXXX OR # XXXX As I said before : As part of a XXXX XXXX payment plan from XX/XX/XXXX, to XX/XX/XXXX, I provided over {$30000.00} in payments to Citimortgage ( through a Trustee ) and XXXX did not apply those payments to the loan. XXXX then proceeded to sell my mortgage loan to XXXX and then XXXX Mortgage ( current service provider ) for more than the original loan amount. I made over three years of mortgage payments and was not given any credit for those payments. I feel as if Citimortgage basically robbed me of {$30000.00} and once they changed my loan provider to CENLAR, I had to start from the beginning as if the mortgage loan was brand new. XXXX collected my mortgage payments, kept the money, and never applied all that money to the original loan.
06/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • 990XX
Web
My mortgage payment increased from {$730.00} to {$930.00}, due to an adjustment that was not specified by the mortgage servicers. This payment increase caused me to fall behind and trapped me into foreclosure ... there is a pending sale date set for XXXX. Since the loan is backed by FHA, I asked for mediation hearing to be completed per 24 CFR 203.604. Carrington Mortgage ( CM ) denied access to the mediation hearing. I also applied for mortgage assistance via FHA partial claim. Since I have paid FHA insurance for over 25 years, a partial claim should be definitely available for disbursement. Per FHA regulations 24 CFR Section 203.604, there is a requirement for all mortgagees to meet face to face with the borrower before serious delinquency leads to foreclosure. Both Carrington has refused to report loss mitigation information to FHA, so they are in violation of the False Claims Act ( FCA ) 31 USC 3729 -3733. Since Carrington has refused to address the critical issues within this complaint, I am seeking your assistance on this matter.
02/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 357XX
Web
I refinanced my home with XXXX XXXX XXXX bank in 2012. They sold my mortgage to Carrington Mortgage company about a year ago. I have always paid more than the amount of the note when I pay my mortgage with the understanding that the extra money be applied to the principal on my mortgage. In XXXX Carrington misapplied the additional funds that I sent and applied them to the following month payment. I called them about this and they attempted to correct it but they didn't do it correctly. The same thing happened in XXXX. This time I wrote them a letter. They sent back a form letter promising to correct it by XX/XX/XXXX. They did not. Then, in XXXX, they did the same thing. This time I sent a certified letter. They sent a form letter ( identical the the first response except for the date ) promising resolution by XX/XX/XXXX. I am refinancing my house. Carrington 's errors have resulted in an over charge of interest and escrow money of approximately {$1000.00} to my account. I need their errors corrected and an ACCURATE payoff on my house.
11/15/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 117XX
Web
My attorney was assisting me in settling this matter with Carrington Mortgage Services LLC. On Tuesday XX/XX/XXXX, Carrington 's attorneys XXXX, XXXX XXXX XXXX confirmed to my attorney that Carrington Mortgage received a complete loss mitigation application and no sale date was set. On XX/XX/XXXX I received a letter from Carrington Mortgage Services LLC dated XX/XX/XXXX, stating that my application for mortgage assistance will not be considered because there is sale date within the 37 days of receiving the my initial application of a now scheduled sale date for XX/XX/XXXX. I have a confirmation from my attorney that Carrington Mortgage Services LLC received my mortgage assistance application on XX/XX/XXXX, FIFTY DAYS BEFORE any sale date existed. This is a clear violation of the dual tracking laws. I have been pre approved to for a loan to settle this matter and this bank is acting in bad faith and trying to foreclose on me. I ask that the CFPB look into this immediately, postpone the sale date until this matter can be resolved.
02/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30043
Web
Carrington Mortgage Services has been a nightmare to deal with. They lied about postponing the foreclosure sale date and working with my on a modification. I spoke to them on Tuesday and was assured that they were reviewing my application and everything was fine. I received a call today, did not bother to even leave a message and I called back to inquire about the call. I was told my modification was denied and the sale date was set for XXXX which is 4 days away. The lady on the phone was rude and kept screaming at me telling me that I did n't have enough income and other issues so no to bother trying to reapply. I am about to be homeless because a greedy bank does shady and unethical things to kick people out of their homes. I was told not to even bother trying to do a short sale because I would n't have time. There is no customer service and no one to talk to that will listen or at least try to help. They lied to be stop me from looking at other alternatives such as short sale or deed in lieu. Predatory practices and simply immoral.
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08109
Web Servicemember
Carrington Mortgage is stating that I missed a payment for XXXX for my mortgage. I did pay that payment for XXXX on XX/XX/2022 in the amount of {$2400.00}. They sent me a confirmation of payment and I did not receive any information that the payment was rejected and was not contacted to make the payment again so I thought everything was good and my payment was fully complete. During the XXXX month, I contracted XXXX and did not have a chance to check the app at the time. When I was feeling better, I went and checked and it said that I missed a payment. Not sure how that was possible, so I contacted them and they told me I missed the payment even though I had the confirmation in their own app which stated that I paid. During the call, the Carrington representative removed the late penalty and I made the account current by paying 2 months of mortgage payments. The late payment on my credit report should be removed because it is incorrect and I was not made aware of the rejection of payment at the time Carrington Mortgage is reporting.
11/15/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30349
Web
I opted for the Forbearance due to Covid-19 back on XX/XX/XXXX and was approved. I didnt realize that the past due amount would all be due all at once until I attempted to pay the regular mortgage payment in XX/XX/XXXX. They told me they would not take the monthly payment only the past 3 months. I couldnt pay not amount and was offered to to a modification. Ive completed the modifications process 3 times and they wait for about three months and say they didnt receive documents. Receipt of the documents was confirmed by the person assigned to my account. She claims that her email wasnt working. I then asked her for the process to file a complaint. No response. We dont know what else to do because its been a year and of course they dont take payments so now the past due amount is beyond our financial means. We just wanted a chance and they kept prolonging the process until it was too late then say it wasnt approved because they didnt receive the required documents. I have emails to support every time I sent documents they requested.
11/22/2017 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • XXXXX
Web
While XXXX XXXX from Carrington Mortgage Services states in her response to complaint number XXXX that Carrington Mortgage Services submitted ( an AUD ) form to the four major credit bureaus to REMOVE any negative credit remarks, that is in fact untrue. The form ( attached ) clearly shows that an " update '' was submitted, not a " deletion '' thus not removing anything from our credit report. XXXX XXXX, a manager in the Loan Servicing Department who was working with me, repeatedly ( on XX/XX/XXXX and XX/XX/XXXX ) said he would have the AUD form resubmitted to show " deleted '' instead of " updated '', and as of today ( XX/XX/XXXX ) I have no confirmation that he has done so. He promises to update me by " end of day '' and never does. Additionally, according to XXXX on XX/XX/XXXX, CMS reported our account delinquent AGAIN ( both on XX/XX/XXXX and XX/XX/XXXX ). According to XXXX XXXX ( ID # XXXX ) on XX/XX/XXXX, they did not report us again, but our XXXX score went down 62 points in one day as a result of their second negative report.
12/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • LA
  • 70726
Web
XXXX XXXX was the original holder of my mortgage. During ( in the middle of or further along in bankruptcy ) XXXX XXXX transferred or sold my mortgage to Carrington Mortgage. From day one of the transfer the data was and calculations were confused. I know for at least three months I paid more than than what was required. When I asked where if the overpayment would be applied and carried over to payment due I was told they can't be ; the system doesn't allow it. I was given incorrect information regarding partial payments unapplied. I was given a hard time if I asked to be transferred to the bankruptcy dept., at other times transferred immediately. I have requested a breakdown of the account and not received anything, received illegible computer screen shots I have attempted to pay my mortgage on line, over the phone to finally send through my XXXX XXXX to insure to have a reference number from a third party. The confused, inadequate list goes on and on. All of this during a pandemic. Any assistance would be greatly appreciated.
11/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AK
  • 99801
Web Servicemember
My mother passed on XX/XX/XXXX this year. She originally had her mortgage with XXXX XXXX XXXX. I had issues getting confirmed as successor in interest, and opened a CFPB complaint # XXXX. In XXXX 's response to the complaint I was XXXX records indicate that on or around XX/XX/XXXX, Mr. XXXX was added as the Successor in Interest to the Loan originated by his mother, XXXX XXXX ( Ms. XXXX ). After this pocess, I started to work on assuming the loan and bring it current with XXXX XXXX during XX/XX/XXXX, I found out they had sold the loan to Carrington Mortgage Services LLC in XXXX. I received a welcome packet on XX/XX/XXXX requesting documents to prove I'm the successor in interest. Carrington is claiming they did not receive any paperwork from XXXX XXXX XXXX showing I was approved as the successor in interest. I don't believe it is on me to AGAIN prove I'm the Successor in interest on this account. After many calls to Carrington, they still won't provide the opportunity to assume my mother 's loan or bring it current with a payment.
04/11/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • FL
  • 32533
Web
We sold a house on Friday XX/XX/XXXX. We filed all the paperwork according to what Carrington sent us. We did close one day late past the original close out settlement but was told to pay the {$12.00}. and some od cent charge to cover this and we would be good. Out attorney did all the paperwork to reflect this and money was wired and taken care of. Monday the XXXX rolled around and they kicked it back and told us it was not the correct amount and told us we had another XXXX on there we have to pay and now we are disputing the charges but because change of ownership has happen we are forced to pay the additional fees to complete the title transfer. We were not told about any additional charges and when we spoke to a rep from Carrington on the 3rd they indicated the charge would be fine. Spent over 3 hours today talking to reps and all telling me different stories and no one wanting to help resolve this besides pay the additional fees. We don't mind paying the extra couple of days interest but almost XXXX worth fees is ridiculous.
07/15/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 39180
Web Servicemember
I request assistance due to the COVID-19 pandemic from Carrington Mortgage Services on XXXX XXXX. I was approved for a 90 day forbearance and was given notice of by email on XXXX XXXX. When I called to discuss the terms of what it would be on XXXX XXXX, as in a deferment, balloon note or spread out over " X '' number months, I was told it would be determined in 90 days. The company would not give any determination of it until the 90 days was over. You could apply for the deferment just before the 90 days ended but if disapproved you were stuck with one of the other two options which you would not know which until the 90 days ended. The lady on the phone even questioned why I was asking for it since my house note was not behind. This company bought the mortgage from XXXX. How can someone determine if this will help them if you don't know the plan until you went 90 days without paying the note then you are left to whatever they decide. You can't make a decision base on hopes. Then to question why I asking for help before I'm behind.
08/26/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30087
Web Older American
XXXX -- Carrington Mtge . Said this is a duplicate copy of XXXX I don't know why any one would read this and come to that conclusion. This complaint is more damaging. I made a mistake on XXXX. The Insurance Carrington put on the house XXXX is {$400000.00} NOT {$300000.00}. That's the Correction from XXXX complaint. Carrington Mtge. took out Insurance from XXXX XXXX XXXX XXXX no # XXXX was issued XX/XX/XXXX at XXXX through XX/XX/XXXX. Why would Carrington put insurance on our home and we already have insurance. We had already paid {$2600.00} The premium paid to XXXX from Carrington was {$3700.00}. We had already paid XXXX XXXX {$2600.00}. Total paid out of Escrow was {$6300.00}. Carrington has not paid the Taxes on our property. It should have came out the Escrow. Account. The Current Year Fair Market Value in XXXX was {$230000.00} That's what 100 % Appraised Value. Why is Carrington have the same house paying insurance premium for a {$400000.00} thousand dollar house that should only value {$230000.00}. This is a Mortgage SCAM
04/04/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30294
Web
On XXXX XXXX XXXX I submitted an application with Carrington Mortgage Services . Throughout the process I have been totally transparent. All income information was submitted and verified by 1099 's, W-2 's and pension statements. I meet all requirements of credit worthiness. I have been in my home since XX/XX/2003 and not delinquent on my payments. I have more than {$220000.00} equity in my home. The home is valued at XXXX the existing mortgage is {$100000.00}, I requested a refinance for XXXX. I have been undergoing the loan process for approximately 90days and no closing has occurred. There were some hiccups along the way, but all have been rectified by being fully cooperative. Today ( XXXX ) I received a letter from Carrington Mortgage stating that my application has been withdrawn citing no reason for their actions. I called the company to speak with the loan officer and underwriter, the results were negative. I am angered because I began this process when the rates were low ( 3.625 % ), now they have reached almost 4.75 %.
06/24/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91950
Web Older American, Servicemember
Carrington Mortgage is not allowing me to make a {$35000.00} payment on my loan. They declined my payment about XX/XX/XXXX. They say I can not make any payments until I am out of default, and pay them an unknown amount of extra money, to pay for things while I am in default. I was in the federal forbearance program from about XXXX of XXXX until XX/XX/XXXX of this year, XXXX. There is no way I can be in default at this time because 90 days has not passed since XX/XX/XXXX. Being how I am not in default when Carrington says I am in default, could you advise Carrington to let me make a payment in accordance with our contract. Until I am allowed to made a payment Carrington is violating the law. Legally, Carrington is currently in breach of our contract buy not allowing me to make a payment. I understand under current law, I can not ask the Court to dismiss my default until carrington files court papers giving me a case number. I want it on record that until I am allowed to make a payment, carrington is in breach of our contract.
07/21/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 95531
Web
WE WERE APPROVED FOR A MODIFICATION WITH CARRINGTON. WE MADE ALL THREE TRIAL PAYMENTS AND WE MADE OUR FIRST REGULAR PAYMENT. CARRINGTON CALLED TO SAY THEY WERE CLOSING OUR CASE BECAUSE THEY NEVER RECEIVED SIGNED DOCUMENTS. WE NEVER RECEIVED ANY DOCUMENTS UNTIL THEY FINALLY EMAILED US A COPY ON XX/XX/XXXX THE DATE ON THE DOCUMENT WAS XX/XX/XXXX AND THE DUE DATE WAS XX/XX/XXXX BOTH OF WHICH ARE PRIOR TO THE DATE THE DOCUMENTS WERE RECEIVED ON XX/XX/XXXX. THE SIGNED DOCS WERE XXXX AND CONFIRMED RECEIVED ON XX/XX/XXXX. I HAVE MADE ALL TRIAL PAYMENTS AND MY XX/XX/XXXX PAYMENT AND SENT THE DOCUMENTS WHICH H AD NO REAL DATE. CARRINGTON IS TAKING ADVANTAGE AND TRYING TO STEAL OUR HOME! WE CALLED CARRINGTON AND SPOKE TO THE TEAM LEAD IN HOME RETENTION XXXX EMPLOYEE # XXXX WHO BASICALLY SAID IT WAS OUR FAULT THAT WE DIDNT GET THE DOCUMENTS ON TIME AND SAID THE DENIAL STANDS. HE REFUSED TO TRANSFER US TO A MANAGER AND WHEN HE FINALLY AGREED HE DID TRANSFER US TO XXXX XXXX # XXXX. XXXX STATES HE IS GOING TO HELP US GET THE MOD REINSTATED.
07/11/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 36869
Web
I had septic tank back up on XX/XX/2021. Which water was backing up through my bathtub and toilet. Which caused flooding in both my bathrooms hall way living room closet and all the carpets in my house. My insurance company after 4 months has issued me a check in the amount of {$13000.00} for the repairs, This one employee told me to over night them the check and they would sign it and mail it back for me to begin the repairs. But I'm having trouble with this one women in the loss department of Carrington. They are trying to make me have a nervous break down by fighting me not to mail back the check. She refuses to answer the phone and call me back. She is very nasty toward me and is being very unfair towards me. They want to keep the money for themselves and do what they please. It's my insurance money that I pay to my insurance through my mortgage payments. There is no true justice for us consumers never really has. I informed them when the problem first happen. Everybody is just trying to make me have a nervous break down.
07/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30060
Web Older American, Servicemember
On XX/XX/XXXX I submitted to Carrington a written request for a full disclosure as to the categories and dollar amounts for each category that were included into making up the {$41000.00} referenced in my Loan Modification Agreement. This was the amount added to our outstanding principal balance. Our principal balance was {$14000.00} ; the current balance is now {$180000.00}. I am not satisfied with the information that Carrington provided in their response dated XX/XX/XXXX. They provided me with TOTAL dollar figures for the interest and escrow balances. I want more specifics such as beginning and ending dates that comprised the {$29000.00} for accrued interest on the delinquent payments ; and what payments were made from the escrow charged in the amount of {$11000.00}. They did n't break down what was paid for insurance, taxes, etc. from the escrow account. They did n't provide me with any dates for any of the escrow payments. I feel they are being evasive as to what comprised the {$41000.00} added to our principal balance.
06/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 342XX
Web
Second mortgage transferred from XXXX XXXX XXXXXXXX to Carrington Mortgage on XX/XX/XXXX of XXXX. I was under a loan modification in both mortgages 1st and 2nd. XXXX XXXX holds m y 1st mortgage till today. 2nd mortgage never contact me to fin ish the loan application. From XXXX till XXXX I couldnt find any information about my loan, until XXXX XXXX XXXX. Left a note on my front door. I reached out to them and found 2nd mortgage was transferred from Carrington mortgage on XX/XX/XXXX of XXXX. They only contact me on XXXX. House is in foreclosure and I tear of {$56000.00} fees are applied and the total amount is {$130000.00} Still trying to reach out XXXX By fax, email, mail letter and dont get a response. They have no records of any loan under my name property address or SSN. . What should I do? My attorney is not doing anything it looks like. Hearing was XX/XX/XXXX and I am waiting on some of the fees to be removed but Speciali loan service are not willing to do that or negotiate or application for a loan modification.
04/16/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85132
Web
In late XXXX or early XX/XX/XXXX I went online to the Carrington Mortgage website and attempted to retrieve my 1098- Tax Statement for XXXX. It was no longer available as all of my documents other than one showing for XXXX were missing. So I called the customer service number and requested my 1098 Tax statement for XXXX so that I could file my XXXX tax return by the XX/XX/XXXX deadline. I advised them of my new address so that the confidential document would not be mailed to my former address. I was advised that it could take 5-7 business days. Due to COVID-19 I allowed several weeks for possible delays in mailing. In late XXXX or XXXX XXXX, I called again requesting the XXXX statement and confirmed with the agent my new address. The agent indicated that it was mailed out and that since I had yet to receive it she would again mail out the XXXX statement and that the time to receive it would be 5-7 business days. I have repeatedly attempted to call again and due to COVID, I am no longer able to speak with anyone via phone.
10/10/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • NC
  • 28152
Web
I would like to investigate my mortgage company regarding my escrow account. I call to make a payment back in XXXX for {$150.00} to pay the shortage on my escrow account. The customer service representative process {$130.00}. I saw the charge on my account on XX/XX/XXXX. I call my mortgage company back to speak with a supervisor. I was advise that my mortgage payment was going up from {$430.00} to {$430.00}. They couldn't process the correct payment and the company wouldn't accept the difference. The statement advice starts XX/XX/XXXX the payment amount would go up. The company advises even if I pay the full shortage the payment would still went up even though the escrow bill said otherwise. I also would like to look into the previous escrow year. I had to make XXXX escrow payments last year. I think that it could possibly be a deceptive practice going on with my mortgage company. I have been other mortgage company and I never had this type of experience with company going back on its word in write on mortgage statement.
12/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21224
Web Servicemember
XXXX currently is reporting under CARRINGTON Mortgage Services that I have a 120-day late payment in XX/XX/XXXX and a 30-day late payment in XX/XX/XXXX ; both are incorrect and should not have been on the report to begin with. I initially filed a dispute to this item earlier this fall and was told by XXXX that they have no control over what they are reporting but rather they have to report what the creditor tells them to report -in this case CARRINGTON Mortgage Services . I have spoken to CARRINGTON Mortgage Services on several occasions regarding this issue and each time I am told that this reporting discrepancy should have been resolved since the other reporting agencies have already removed these erroneous late payments. These incorrect late payments are still being reported by XXXX and it is currently keeping me from my correct and proper credit score and status. I need to turn to you because I can't determine which one of these parties is actually responsible for removing these items from my XXXX credit report.
03/24/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 970XX
Web Servicemember
In XX/XX/XXXX I took a forbearance because my wife lost both of her jobs. When I started to make payments, Carrington mortgage sent my payments back and informed me that I needed to do a loan modification. Everyone I talked to on the phone from carrington said " no problem you are qualified for a loan modification, just wait for the paperwork to come in the mail ''. Two years of sending documents, over and over as requested, following up via email etc etc. On XX/XX/XXXX I was told they could not do a loan modification and I would have to pay XXXX to reinstate loan. They also stated I could appeal thier decision, which I did, after consulting a lawyer. My Appeal was denied. I received the loan reinstatement papers on XX/XX/XXXX, I needed to pay the XXXX on XX/XX/XXXX to reinstate loan. Got a notice of sale via text from a 3rd party in mid XXXX. Came home from work on XX/XX/XXXX to a notice on my door, letting me know that an auction for my house would be in XXXX, then another 5 days later that stated it would be in XXXX.
10/22/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • XXXXX
Web Servicemember
My account is still showing as behind. They are sending me several letters about being behind when I called in XXXX to clear it up and paid what they said was owed and have not missed a payment since. However they have put my account as delinquent on my credit report. On XX/XX/2021 I made a payment of XXXX. On XX/XX/2021 a payment was made on my behalf and a payment of XXXX was made on my behalf. Why hasn't it been processed? There is literally nothing on the site that it updated and you have to call in for everything. I called in on XX/XX/XXXX, and told that my balance was XXXX. It hasn't been updated or changed to reflect current amount due. I also made my XXXX payment and still it is showing online that I owe for XXXX. All of my payments are reflected in the screenshot above. XXXX and XXXX were paid from my sunburst account I have proof. Can someone please call and explain what is doing on? I have proof of all of my payments. Why was it put on my credit report when all my payments are up to date XXXX XXXX XXXX
05/11/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 70810
Web
Carrington Mortgage took over my mortgage in XXXX 2013 and since then my mortgage has been recorded as being late. This was due to a problem with the transfer of the loan between XXXX bank and Carrington. Carrington placed the loan on some type of forbearance program, which I paid timely, as requested. After doing this for a few months and additionally paying MORE than the required amount to get 'caught up ', Carrington Mortgage placed my mortgage on ANOTHER program a loan modification program. Which was paid as agreed. I am also receiving certified notices from Carrington advising that my house is possibly going to be foreclosed on and that I should contact them to make payments. WHICH I DONT UNDERSTAND. To date, my mortgage is showing past due of over $ XXXX and when I contact Carrington mortgage to request an explanation, the explanation is unclear as to why the mortgage is STILL showing behind. I do not want to lose my house by accidentally signing the wrong documents and/or not properly signing required documents.
10/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32818
Web
I have met the terms given by Carrington Mortgage Services , LLC in order to remove the PMI from my mortgage, I have sent a faxed request on XXXX separate occasions to have this done. I was told by a representative that a letter had been mailed out to me on XXXX XXXX, XXXX updating me, I have not received this letter. I have, however, received several other communications from the company regarding other issues such as hurricane relief and new billing statements dated after XXXX XXXX. I called and spoke with a supervisor for the company 's call center at the end of XXXX and she informed me that I would have to wait until XXXX in order to see a change. I have since chatted online with a representative, XXXX, who informed me that I would have to make my XXXX Payment and wait an additional 60 days for the escrow analysis. I am then told by that representative that they are not working in the department that actually handles that request and I can not speak with anyone in that department because they do not accept calls.
05/04/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • DE
  • 197XX
Web
I allowed Carrington Mortage 's loan officer XXXX XXXX pull my three credit reports ( XXXX, XXXX, XXXX ) and I was told I met the credit requirements and I can put in an application for a USDA loan. XXXX XXXX lied to me stating that he took my application. He called asking for my personal information to input an online mortgage application. I had to get off the phone and said I would call him back to finish the application. I called him back the next day and he said I was denied. We never completed the application over the phone nor did I complete an application online. I never reviewed what he typed into the computer or if he typed anything into a computer. I never signed an application to submit for the mortgage loan with my personal and income information. I never received a denial letter stating I was denied, just told over the phone that I was denied. XXXX XXXX accidentally left a message on my phone stating that his boss, XXXX XXXX, told him to never submit the loan application and quote " get rid of her ''.
05/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NV
  • 89131
Web
we recently had a fire on XX/XX/XXXX. On XXXX XX/XX/XXXX I sent all to documents required that Carrington Mortgage Service, LLC loss draft needed via overnight mail. Since then they still have not released my check to rebuild our house. It's a large sum of money that they are keeping from us. Over this period of time from XX/XX/XXXX when they received the documents they have been stalling. Each time we call we speak to a different person, they tell us each time that we need to send over a different document, which I fax again, which has already been sent. I have sent these documents multiple times via fax and email. Everytime we call they have an excuse and we still have not gotten a check yet to start construction. I myself have called, my husband, my contractor, and my public adjuster. My public adjuster called on XX/XX/XXXX and spoke with a supervisior and she said she would have the funds sent over. Well that was a lie also. This is getting out of hand and I'm not going to tolerate this anymore with this company
05/16/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • 74403
Web
On multiple occasions Carrington Mortgage Service ( Carrington MS ) called me and said my mortgage was past due when in fact my mortgage was current. Ive never missed a payment or even been one day late. About a year ago Carrington MS sent me a letter stating that my online payment was rejected and my mortgage was past due and my account had been blocked from making payment online until the issue was resolved. I called Carrington MS and after I told them the payment was deducted from my bank account on the due date they said the letter must have been a mistake. In XXXX o f 2017 Carrington MS started of fering automatic payments. I signed up for automatic payments on XXXX XXXX , 2017 . My fist automatic payment was scheduled to occur on XXXX XXXX , 2017 . On XXXX XXXX , 2017 Carrington MS called m e and said my mortgage was past due. The customer service representative then told me they were having issues with the automatic payment system, but they failed to notify me they were having the problems.
11/21/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 95621
Web
My mortage was sold to carrington mortage services as of XX/XX/2016 my loan number there is ( XXXX ). i am current on my payments when my loan was sold i yet to receive my statement from them so i can send my payment to them!! when i contacted them they said they would send it with no change to my payments or it would stay the same.My loan number from XXXX is ( XXXX ) i also called them on XX/XX/2016 and i was told everything was ok and i had a 60 day grace period to get everything ready i have still not heard any thing from them please help!! i do not want to lose my home over this company i have reseached this company and heard very bad things thats why i am writing to you i am on a fixed income!! 1 and XXXX with a lot of XXXX from XXXX i have all of my mortage statements from XXXX!!! and letters regarding this matter. I ask you at the cfpb to go on line and see complaints simular to mine this is not right i am contacting you before thhey try to scam me like so many others please help thank you!!!! sincerly XXXX
12/04/2017 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TN
  • 371XX
Web Servicemember
My mortgage was in payment arrangements through XXXX XXXX XXXX. Carrington mortgage assumed the loan in XX/XX/XXXX and when I contacted them to set up payments they told me my bill was {$26000.00} and I would have to pay that amount in full to then set up payments. I submitted a request for mortgage assistance in XX/XX/XXXX. I received a letter on on XX/XX/XXXX dated XX/XX/XXXX that addition documents were need. I submitted those on XX/XX/XXXX withe a deadline of XX/XX/XXXX. I was on the phone when the documents were sent to verify the arrival of the documents. I call back on XX/XX/XXXX not having heard back from the company and was informed the the case was closed and denied due to paperwork not being received on time. I have the emails and confirmation that everything was received. I was informed today that I need to submit and entire new packet. So I did and was told to call back to verify that it was received, I did but was informed that they will not process the packet at this time but within the next 3 days.
06/03/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NH
  • 030XX
Web
I submitted my mortgage payment using my mortgage companies online bill pay system. The payment was made on XXXX XXXX, 2015. The bank account information I listed was, apparently, off by XXXX number and as a result it never went through. I discovered this today, XXXX XXXX, and contacted my mortgage company to inquire as to why the payment never went through. I was at this time advised that the account information entered was incorrect. I asked that since my original payment was submitted timely, and since the only reason for the issue with the payment was related to an error in account info, that they not report my husband and I to the credit agencies. I was told " too bad, we 're reporting you anyway ''. I never received a phone call, email, text message or notification via XXXX Mail stating that the payment could not be processed and therefore was unaware that payment had not gone through. I do not feel as though my husband and I should be penalized as a result of their inability to provide proper notification.
06/30/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 78634
Web
I have been unable to get in contact with Carrington Mortgage LLC, services of my mortgage loan. I used to have XXXX, and XXXX sold loan to Carrington Mortgage. I googled Carrington and they have over XXXX complaints, worst customer service ever. Here is my issue. On XXXX/XXXX/16 I cancelled the remaining portion 1/2 payment mortgage check for XX/XX/XXXX. I cancelled that check and reissued another in {$880.00} amount through XXXX bill pay. The check was sent on XX/XX/XXXX and I know Carrignton Mortgage received it XXXX. XXXX gives it a deliver by date of XX/XX/XXXX. The check still has n't cleared my account as of XX/XX/XXXX and it usually does immediately within 1 day. I want to make sure that Carrington Mortgage does NOT say my check is 30 days late and report to credit bureaus. Full mortgage was received by them within the 30 day allotted time allowance. I 've searched and saw where Carrington Mortgage will falsely indicate 30 day late on credit report and I CAN NOT HAVE THAT. So I 'm trying to prevent this.
06/10/2015 Yes
  • Mortgage
  • VA mortgage
  • Settlement process and costs
  • AZ
  • 851XX
Web Servicemember
My refinance started in XX/XX/2015 with Carrington Mortgage. Around XX/XX/XXXX I called them for status update on the refi, processor said my VA was not XXXX percent entitlement. after XXXX calls to the VA, VA called Carrington mortgage and explain that it was XXXX percent entitlement so they said I could close XXXX XXXX 2015, nope then they said XXXX XXXX cause everything had to be redone. NOPE so then they said everything was redone because it took so long and that I would close XXXX XXXX,, NOPE I called, told then Im about to lose my interest rate so he emails me back said he was applying to extend my interest rate tomorrow XXXX which I was suppose to close on XXXX XXXX, Im am so fed up with Carrington Mortgage. Still no closing date makes no sense to me they are the worst company I have every dealt with in my life. Still no resolution. In XX/XX/XXXX I called their boss and he basically told me if I did n't like it I could take my refi somewhere else. The incompetency at this level phenomenally mind boggling.
06/24/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NE
  • XXXXX
Web Servicemember
Carrington mortgage told me I was eligible to apply for 1 ) LOAN MODIFICATION-After Carrinton Mortgage received all my PRIVATE bank statements, XXXX XXXX XXXX LTR , ETC ETC ETC, basically my PRIVATE INFORMATION, they denied my LOAN MODIFICATION APPLICATION 2 ) HOMEOWNER 'S ASSISTANT FUND ( HAF ) XXXXCarrington Mortgage is stating that they DENIED my HAF APPLICATION because they did " not '' receive a BANKRUPTCY CONSENT LETTER from my attorney XXXX XXXX XXXX XXXX XXXX My attorney AND the HAF attorney BOTH said they have ALREADY sent it to CARRINGTON!!! Again there is a HUGE discrepancy and I consider this to be another PREDATORY LOAN TACTIC! 3 ) CARRINTON MORTGAGE IS STATING " I '' CAN NOT SEND THEM ANY DOCUMENTATION REGARDING MY HAF AND/OR BANKRUPTCY FILE AND/OR CASE WHEN I HAVE PROOF AS ATTACHMENTS THAT I HAVE DONE SO IN THE PAST AND THEY ARE REFUSING TO ACCEPT THE CORRECT DOCUMENTATION SO THEY CAN SAY THEY DIDN'T RECEIVE THE CORRECT DOCUMENTATION IN ORDER FOR THEM TO DENY ALL HOME ASSISTANCE APPLICATIONS
12/27/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32277
Web Older American, Servicemember
XXXX XXXX, XXXX XXXX XXXX XXXX . XXXX, Fl. XXXX This complaint is follow up on complaint # XXXX XXXX XXXX XXXX I received a Notice to Foreclosure from the company XXXX sold my account ( Carrington Mortgage Services LL. XXXX XXXX XXXX, XXXX, IN XXXX demanding $ XXXXfor none payment of mortgage from XX/XX/XXXX- XX/XX/2018. I received a letter XX/XX/2018 stating my mortgage was sent to the carrington company and to make mortgage payment to them starting XX/XX/2018. XX/XX/2018 l sent a certified check in the amount of {$1100.00} to carrington company and the check was returned with a letter stating l owed them {$7000.00}. i CALLED THE COMPANY AND THEY STATED NO MORTGAGE PAYMENTS WERE PAIR TO XXXX from XX/XX/XXXX-XX/XX/2018. I explained to them that l paid the mortgage during that time in person to the regency XXXX, in XXXX, Fl. I have been trying to contact the mortgage dept of XXXX to know avail. The money seems to have been stolen from my account. I ask for a copy of my payment account and no one will help me.
09/21/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • GA
  • XXXXX
Web
I have purchased an house since XXXX, in other for my family can have a roof on their head. And the kids would have a safe place to stay after school and do their homework as well as my wife would feel less stress after work. Unfortunately, we have been struggling paying our mortgage on time or not be able to keep with the regular payments. Due to slowing economy or jobs situation and the worst of it, was the high interest rates. I have requested a loan modification where the payments would be lower where we can be able to afford the payments, but lender refused and sped up with the foreclosure process on my house. According to the legal papers from their attorney the house has been foreclosed last month XXXX XXXX, XXXX. But, until now my family is still living the house. We have n't received an Eviction letter or the XXXX not kicking us out yet. I am writing you, to intercede for my family not let eviction happens until the lender reverses the foreclosure sale and give me a loan modification under the XXXX.
06/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • XXXXX
Web
Hurricane Ida XX/XX/XXXX property damage reported to insurance, adjuster came out & never heard anything back. Called Carrington mtg to ask about claim. They rec 'd money from insurance & put it in escrow. I need funds to make repairs. Send out ck in XXXX, but I never rec 'd. XX/XX/XXXX I called mtg never rec 'd ck, they stop pmt on ck & issued new ck. I rec 'd ck & deposited. It bounced because it was 1st ck which had stop pmt I thought it was a new ck. XX/XX/XXXX called back asked for another ck since ck bounced.They were to express check to a physical address, never rec 'd. XX/XX/XXXX rec 'd the 2nd ck at XXXX XXXX XXXX I called mtg co & asked if it was still good, gave the ck #, it was good, I deposited it in XXXX which is bank written on & XXXX said it was no good. XX/XX/XXXX called back told me they stop pmt on XX/XX/XXXX, which is the day they said it was good, waiting funds to go back into escrow ( 15 business days ) then will reissue ck with 3 day label. Phone call from XX/XX/XXXX didn't do anything!
07/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60632
Web
On or about XXXX of XXXX I became a senior citizen and my property tax where frozen. The BANK continues overcharging me on my escrow and had increased my payment every other month. The Bank XXXX was not happy with me questioning the escrow to the point where we prove the mistake and gave me the excuse that I had some expenses paid back in XXXX. In XXXX I did not have an escrow with XXXX and therefore couldn't have any expense on my loan. The bank got upset and they did nothing but sold my loan to a servicer known as XXXX and then Carrington Mortgage services. Today Carrington Mortgage Services has my loan but for the past 4 years, they have committed predatory practices to make me late on my escrow account and be negative and then take me to foreclosure court. They also have bogus charges on my mortgage statement such as " overdue payment '' of {$75.00} and I never been late in my payments. I have explained to them I'm sending {$37.00} dollars extra on my payment and I'm still negative on my escrow account.
04/04/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • OR
  • 97701
Web
I am here to make a complaint against my mortgage company they foreclosed and sold my house out from underneath me. In 2016 it was pending in foreclosure and I filed a notice of rescission in XXXX 2016 and my mortgage company totally ignored the notice of rescission and went ahead and foreclosed and sold my property on XXXX XXXX of 2016 and now they are trying to force me out as a tent. Somewhere along the line they have done this illegally. Now they are trying to force me out as a tenant I 've been to court three times and the judge ruled in favor of the plaintiff which is my mortgage company and as of Tuesday, XXXX XXXX, 2016 it has not been recorded that it was sold they 've sold it for more than what I owed and now I am trying to get the money that 's left over but I 'm still here in the house I have n't been evicted yet the whole thing of this mortgage company and the way they sold and foreclosed is awful fishy to me and I do n't have a whole Lotta money to fight this so I 'm just sitting here waiting.
04/13/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30116
Web
XX/XX/XXXX and XX/XX/XXXX - I tried to make a payment to Carrington Mortgage Services company on their website, as I 've been doing in XX/XX/XXXX ; however, the website would not take my payment stating that I did not meet a certain criteria. I called the XXXX customer service line to understand the criteria ; however, they were unable to explain the criteria and wanted me to pay {$15.00} to accept my payment over the phone. I requested a Supervisor/Manager and they disconnected me from the line. My loan is not late, and I do not have any issues regarding my payment history. Desired solution : - They need to have a policy regarding calling payments into customer service that does not include paying {$15.00}, if they have proof that their website is not working properly. The website is free, and I would prefer to use it to make payments, but it was not working. - When a Supervisor/Manager is requested, they should have a process to connect someone with the Supervisor/Manager and not hang up on that person.
10/01/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • 98682
Web
XXXX XXXX is currently in mediation with XXXX XXXX. The homeowner received the LM copy on XX/XX/2018, and once I received this, I sent to all mediation parties. The homeowner was the one that gave me a copy for everyone. Since I reviewed the first page, I noticed the XX/XX/2018 deadline. I asked XXXX XXXX for an extension since the deadline is only 1-2 business days from when we received it! The Attorney from XXXX XXXX said they couldn't give her an extension on deadline to send final mod back. The Attorney responded " This is not a servicer requirement but HUD/FHA. I will pass your request along, but I recommend not relying on extension. This needs to be priority. '' ( So the deadline to get a Notary, review all terms in this final mod and make sure it looked okay, talk to her Housing Counselor ( me ), get any questions answered, and send back XXXX was XX/XX/2018. This also required her to make the XX/XX/2018 Modified payment by then. There was no discussion of a grace period date after I asked them.
11/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92024
Web
My escrow payment went up and i did not know it, so on the 4th month Carrington Mortage decided to suspend my payment for the month of XXXX. When i received the letter at the end of XXXX stating that my mortgage payment was not received, i immediately checked with my bank to find that the check had been cashed and was in a 'suspense ' account at Carrington XXXX Due to their system i could not just pay that shortage amount i paid the past due escrow amounts plus my XXXX mortgage payment. Today i get a letter in the mail stating that i owe another XXXX. When i call customer service they told me it was a fee assessed on the same day that i made the payment. It was a collection type of fee, that i was not told about when i made the payment on line. In order for me to get this fee removed i must write to their other department. i can not speak to anyone about this. They have assessed a late fee which i have already paid when i paid on XXXX. In general, they are extremely difficult to communicate with.
08/08/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 081XX
Web
There are a ton of discrepancies with my Principal Balance, Payments Applied, Dispursments to and From XXXX, Unconfirmed charged, Unapplied funds and the list goes on. When calling to make any arrangements or get any questions answered I'm bullied off the line with some {$40000.00} due now payment that they can not or have not yet explained to me. Same charge is used as a forclosure threat anytime I call to pay. The XXXX time I was cornered to modify my loan terms. The XXXX time I was made to sign up for double payments for the next XXXX months. These are the responses to me trying to make a payment, there's always $ XXXX due now. Foreclose or do as we say! Lastly that XXXX is being reported as months past due on my account to credit agencies. Killing my ability to pass background for landing jobs with big clients.. My account is presently XXXX month past due. In the past XXXX years since I've been here, I haven't been a full XXXX months late unless they refuse to post a payment that's been made.
03/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 54601
Web
My reputable lender XXXX sold my mortgage to what I feel is a predatory lender Carrington Mortgage Services. I had not received any information from them on making my payments. They didnt send a payment book.I found out on my own that they are charging me for making my payment on time for using either their pay by phone ( {$10.00}. ) or website ( {$5.00}. ). I am just disgusted I might as well be paying a credit card company to make my payment on time. When I called the gentleman in customer service just said different institutions have different policies, well I never signed up for their institution or their policy. My loan was due to be paid off in about 7 years and now I am going to have to look at refinancing just to get away from this unfortunate lender that I never signed up to do business with. I am really upset and at least I am in a position where I can look at another lender, others are not so fortunate. I hope someone looks into this. People should not be punished for paying for their homes.
07/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 631XX
Web
I completed an application for a modification with Carrington Mortgage Services XXXX XXXX. I received a call last week stating that they could not assist me because they did not find a hardship. The total loan amount on my mortgage is {$100000.00}. The value according to the comps in my area are {$40000.00} and XXXX has the value as {$62.00}, XXXX. This is indeed a hardship to be paying more for a house than it is worth. I have a conventional loan therefore I am ineligible for the HARP and I originally purchased the home after XXXX XXXX, XXXX. I purchased the home XXXX XXXX, XXXX. I have not missed a payment because I do not want to hurt my credit. I get the feeling that they want me to miss a payment to qualify for their program but I do n't want to hurt my credit. I want them to see the situation that I am in for what it is and provide a solution. I suggested that they lower the principal or at least give me a lower interest rate. Right now I am paying 5.5 % when FHA is between 2.75 and 3.65 % today.
06/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 07631
Web
on XXXX/XXXX/XXXX I applied for a loan modification of my house with XXXX after 8 months of negotiation and when they have all documents to make a decision, XXXX on XXXX/XXXX/XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX I have submitted a complete loan modification package and keep constant communication on XXXX/XXXX/XXXX XXXX XXXX from Carrington Mortgage has requested recorded divorce decree and quitclaim deed.XX/XX/XXXX XXXX XXXX has requested aditional info. on XXXX/XXXX/XXXX XXXX XXXX told me that foreclosure is on hold while they review the loan modification package XXXX/XXXX/XXXX XXXX XXXX asked me to resubmit the complete package. on XXXX/XXXX/XXXX I calle dXXXX and he told me that on XXXX/XXXX/XXXX the foreclosure was executed because there was not enough time to work out the loan modification. This is an abuse, they lied to me now I 'm going to be homeless because XXXX and Carrington Mortgage Services LLC are so irresponsible. Thank you in advance for all the help that you can give me.
08/02/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • XXXXX
Web
Carrington Mortgage Services LLC sent a letter dtd XXXX XXXX 2015 advising that it did not receive our XXXX XXXX mortgage payment. I sent a fax that included printouts from my XXXX XXXX Bank account showing that the check was mailed for delivery by XXXX XXXX 2015 and cashed on XXXX XXXX 2015. Today I requested from XXXX XXXX Bank physical evidence that the check was cashed. I received a letter today from Carrington advising that they did not act on my fax of XXXX XXXX 2015 because I had not signed it. Never mind that it contained printouts from my bank account proving my identity and the error was theirs not mine. Today, I received a XXXX delinquency notice and a threat that I will be foreclosed and could lose our home if they do not have this supposedly missing payment by XXXX XXXX 2015. We recently went through a year of hell because XXXX sold our XXXX mortgage to those parasites at XXXX. Now XXXX sold my VA loan to this Carrington crowd which so far looks a lot like XXXX from where I 'm sitting.
04/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11727
Web
Im requesting for Carrington Mortgage Services to investigate the enclosed Assignment of Mortgage and transfer from XXXX. XXXX XXXX XXXX XXXX was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XX/XX/2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ). XXXX can not demonstrate an agency relationship between itself and the note holder that gives XXXX the authority to transfer assignments from one entity to another. Furthermore, it would be against XXXX procedure of operation to make an assignment yet XXXX acknowledges in its very own Procedures Manual that it can not make any transfer of assignments to another. XXXX own admission : XXXX can not transfer the beneficial rights to the debt. The debt can only be transferred by properly endorsing the Promissory Note to the transferee. ( Page 63 ).
02/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KS
  • 662XX
Web
I had an original XXXX XXXX XXXX Home Mortgage Loan for my primary residence which has been subsequently sold off to several other mortgage servicers. During the 2008 Financial Crisis my mortgage became insolvent and I was eligible for relief under the HAMP and TARP programs. I applied for a loan modification and was wrongfully denied a modification and have since been in litigation with the mortgage servicers for several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit. However, my loan servicer still reports this as a derogatory mark against my credit. They have taken payments from me during a trial modification period. All the payments I made were made in good faith as well as being both timely and well documented. Once again they refused to reinstate my loan and demanded the entire mortgage ballooned to be due and payable in full. We have a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.
05/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30013
Web Older American
Receive Social Security Check XXXX Wednesday of each month, Our house payment goes in the mail the next day XXXX Thursday of every month, I have cancelled checks for every payment for the last 32 years, XXXX XXXX XXXX sold account to Carrington Mort gage and we have had nothing ut problems with them every since. We have sent copies to Carrington Mortgage and have tried to explained that we are not past due, now they are calling 2 to 3 times a day and threatening foreclose. We have asked them several times to put the old balance that they show owing to the end of the contract and they say they ca n't. My husband is XXXX XXXX XXXX XXXX with XXXX XXXX ( XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX the XXXX they are causing by sending XXXX to XXXX letters weekly and calling daily is not helping him. We have lived in this house for 32 years if we were not going to pay our mortgage payments why would we be in the same place this amount of time.
08/01/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 30512
Web Older American, Servicemember
In XXXX, I made two payments against the principal of my mortgage in addition to my regular monthly payment. One of the payments was correctly applied to the principal but the other was not. It was incorrectly applied to my monthly payment. My online account indicates that I do not have a payment due until XX/XX/XXXX when it should show that my next payment is due XX/XX/XXXX and my principal amount should be reduced by {$1000.00}. The is the second time Carrington has ignored my request to apply an amount to my principal and misappropriated my payment. I have contacted the company on three occasions. I have spoken with representatives in Indiana, and Texas twice. They are unable to correct their mistake. I was told by the Indiana representative that this recurring problem is caused by improper training of representatives handling payments. They should indicate " NO PROMISE TO PAY '' and they do not. Regardless, they are misappropriating my payments and my account is continually mal-adjusted.
06/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MO
  • 63122
Web
I was divorced on XX/XX/XXXX. I was awarded the home in my name only and my ex husbands name was removed from the deed.I feel behind on the mortgage after our divorce and contacted the company. They said I could do a modification and it would remove my ex from the loan. My ex did not sign the modification documents and his financials were not considered. Once it was finalized, they said I was told by mistake that his name would be removed. Now he has taken me to court to get his name removed. I can not refinance because I lost my job due to the pandemic and have only been in my new position for a year. I have requested a loan assumption of the current loan and its modified terms and conditions. Even though this is conventional loan..it is assumable under the XXXX XXXX of XXXX that exempts transferred resulting from a divorce from any due on sale clause provision that exists in the mortgage. Please see documents attached in reference to my request sent to Carrington mortgage several times.
03/09/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29016
Web Older American
CARRINGTON MORTGAGE is constantly changing my regular monthly payments one minute {$490.00} is due then its INFLATED to {$830.00} and on the internet only {$270.00} is due I pay {$640.00} and for the month of XXXX {$150.00} is due then I receive {$700.00} is due with a past due of {$150.00} how can {$150.00} be overdue when only {$270.00} was due and I paid WELL OVER {$270.00}? They never addressed my 1st complaint about lawyer fees that was added to my account AFTER we closed nothing in the contracts mentioned about attorney fees CARRINGTON MORTGAGE IS A TERRIBLE COMPANY I have NEVER SEEN A MORTGAGE COMPANY that constantly change payments for their customers CARRINGTON MORTGAGE COMPANY IS CURRENTLY UNDER INVESTIGATION WITH THE CFPB I BEG THAT THIS COMPLAINT BE ADDED TOO MY TRIAL PAYMENTS WERE NOT applied to the loan my escrow is only {$1900.00} from my math over {$3000.00} has gone to the escrow and they are still collecting My hard earned money is being EXTORTED BY CARRINGTON MORTGAGE XXXX
03/03/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • HI
  • 96734
Web Servicemember
In XX/XX/2021, my 1-year-old mortgage was transferred to Carrington Mortgage Services , LLC . The transfer was problematic for many reasons : they transferred the day before my automatic payment posted, and I did not receive the notice of transfer until after that date, which resulted in non-payment. Additionally, there have been a couple of fees for various charges posted to my new account that Carrington claims are from the transfer ; however, there were no fees on my previous mortgage. When I have tried to resolve the issue, they will not remove the errant fee without a written dispute. They are trying to collect the fees via my mortgage payment. I have already spent hours trying to resolve the issue and don't feel I should have to provide a written dispute for them to remove the fee. I feel that Carrington is attempting to defraud me of the amount of the fees by making it difficult for me to dispute the charges, and because the amount is relatively small, hoping I will just pay the fee.
05/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80817
Web
My company uses a third party for online payments.. The account was set up prior to the payment being late but at some point the account number was entered incorrectly by the third party. Carrington made attempts to contact us but their incoming calls were labeled as potential spam by my cell phone carrier and so i never recieved them and they never left a message for some reason on the initial calls. It was only after seeing a message had been left that t I called back and was able to make the payment but by then it was reporting as 30 days late. I was notified by Carrington of the error in entering the account number and protested at that time that it be count it as paid as agreed since it was obviously the third party 's error. This is now affecting my ability to get the best interest rate on a home loan and in fact i can not even get approved so it is a very serious matter. Please help me resolve this as i have exhausted all other options. Going to the company, the credit bureaus.
08/27/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 91941
Web Servicemember
I'm a Veteran and I have a VA home loan, my original mortgage company sold my mortgage to Carrington Mortgage LLC. Carrington is now charging me {$77.00} more on my monthly mortgage than I was paying to the original company. Also, Carrington has not paid my tax bill, which is now defaulted. I called them months ago and they told me that everything was up to date and that they would be paying the tax bill, as that is what we had set up with our previous company. They also informed me that the mortgage was going up in price to " protect me '' from higher property taxes. I live in CA our property taxes are set and do not fluctuate. I would like this matter resolved so my property taxes do not default and I want to be reimbursed for the extra monthly charges. This company has been a nightmare to deal with, it's almost impossible to get ahold of a person and when you do, they consistently transfer you back and forth and do not give the same information, and they are very rude and demeaning.
04/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • 36801
Web
Hello My dad passed away in XXXX. I am legal his only heir ; and gained his home as the legal right of successor. The representatives of this company have given me misinformation all through the process & refused to accept payment from me. On the last call ; I was told that they have the information & can see it ; but its sitting in the wrong department ; therefore it wasnt processed. The representative also told me I need to apply for the mortgage & go through a whole different process ; which is not the right of successor that I am entitled to. Through this process they can deny me & keep the large amount of equity in the home. So they are foreclosing on me. The representative denied me a copy of the foreclosure letter & the right to speak to a supervisor. The representative basically told me it was my fault that the paperwork was sitting in a different office & not transferred to the correct department. I can provide documentation to support what I am saying & witnesses as well.
06/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 60640
Web
I have attempted to get a mortgage refinance due to unemployment and medical issues that have caused financial hardship. However the refinancing application was denied by Carrington Mortgage Services. This happended approx 2months ago. I then contacted the company and spoke with XXXX in loss mitigation about a forbearance plan because my stated intention is to save the home. XXXX stated that she would email the final figures on legal fees, late charges and court costs so that I could begin the forebearance payment plan for XXXX XXXX 2016 However, it is the middle of XXXX and no emails have been received. I have called Carrington weekly ( most recently XXXX XXXX, 2016 ) seeking the final numbers needed to begin the repayment plan.. However, one full month has passed and Carrington Mortgage Services has not submitted any calculations and the fees and charges continue to pile up. I would like to know what the delay is in getting me the information? XXXX Carrington Mortgage .the refinan
10/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 38016
Web
I recently fax request for mortgage modification to Carrington Mortgage because my mortgage is delinquent. I was informed XX/XX/2018 by XXXX in Carrington Customer Service Dept. property foreclosure sale was put on hold and the modification request was under review. XXXX also stated the property foreclosure sale was put on hold. I called today XXXX to check the status of the modification request and was told the modification request was declined and my property would be sold at a property foreclosure sale XXXX. I have not received a declination letter for the modification request from Carrington, also was given the opportunity to appeal the modification declination.I didn't receive a letter from the foreclosure attorney or Carrington Mortgage stating the foreclosure date was Reset. I have not been given the 30 day notice prior to the property foreclosure sale as required per the Tennessee state law. I have resubmitted request for mortgage modification to Carrington with financials.
01/19/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • MN
  • 553XX
Web
Prior to the week of XX/XX/2017 I was told I could send approximately {$2100.00} in which would bring us current for XXXX. I also have a {$650.00} money order floating around that I sent to Carrington and they returned it to me. I will add another {$50.00} on to this payment and there is XXXX payment. I called tonight so I could wire my {$2100.00} and am now being told over {$3000.00} is being owed and they wo n't accept {$2100.00}. I was just told that this would be accepted on Friday. I am now sitting on {$2800.00} for my mortgage payments and they will not accept it. I am now being told that another {$500.00} in fees have occurred and that this all has to be paid before XX/XX/2017. If I attempt to send the full {$3300.00} then they will tack more fees on. Carrington keeps finding ways to tack on fees and not let us pay so they can foreclose. This is an urgent matter and needs to be addressed right away or we will be forced to file chapter XXXX on {$3300.00} in debt. Please help!
01/16/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 22032
Web Older American
XX/XX/XXXX, Carrington Mortgage Services, LLC, purchased my Loan from XXXX While I was In dispute of it being an illegal loan. Before the final papers where supposed to be signed I contacted by phone CMS to not complete the transaction because of the dispute. But, HUD had already allowed XXXX to sell and claim the Insurance. I wrote to The CEO of Carrington explaining that the original Deed covered under the First time Homeowners program had restriction which were ignored in creating my loan, thus making it invalid. Carrington has also ignored these restriction. I am attaching the part of the the deed restrictions as pointed out to me by the director of the XXXX County Housing Authority which overseas the XXXX program. I also had a second mortgage with XXXX and after researching the restriction, released my Lien in full. I am also attaching a copy of the Lien Release. I have asked XXXX to release my Lien and now I am asking Carrington Mortgage Services, LLc to also release my Lien.
03/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 751XX
Web
I opened an account with Carrington Mortgage in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XX/XX/XXXX. I was having health issues and was hospitalized and had no one to help with my expenses. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 17 years. This one late payment is causing me extreme hardship. I am hoping that Carrington Mortgage can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment. I have really enjoyed doing business with Carrington and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Carrington Mortgage. Thank you for your time.
11/30/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • TX
  • 76133
Web
I have been trying to sell my house for almost 6 months and have been held up due to loss of documentation by Carrington Mortgage Services. There is a subordinate loan that was originally owned by HUD for the amount of {$7300.00} that was transferred to Carrington in XXXXXXXX XXXX ( documentation attached ). After calling many times, I was notified that I could fax Carrington 's research department to ask for the missing information. I have attached a letter from Carrington explaining that they are the servicer for this loan but that it will take an additional month to provide a payoff or release on this matter. This issue has already led to almost losing the house, already losing a buyer, and I am hoping to not lose another one. This has been a horrendous experience due to Carrington 's lack of organization and responsibility. I have spent many hours painstakingly trying to obtain this information. I am anxiously seeking any assistance that can be provided on this matter.
10/31/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 180XX
Web
I was on a forbearance since the pandemic started due to my job shutting down. I have worked at another place but with the reduction in pay Ive struggled to pay all the bills. My morgage company was just doing emails with the forbearance extensions so that was a huge help. I just needed 1 more extension and I could begin to make payments as my job will be opening back up at the end of the year. On the month before my extension was set to expire I submitted an update to request another extension. As has been customary they said dont call and that it will be done via email. Well a month later I got a letter in the mail that I was late. About 2 days later I got the XXXX statement and it said I was still covered under forbearance so I didnt know what to believe. Then I called my mortgage company and they said I wasnt approved for an extension and that I would need to do another process than what I was doing even though they said my area was still in the zone for forbearance extensions
04/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web
Hi, on XX/XX/2021 Carringtom mortgage services LLC informed me about the quote of new home Insurance, and the new mortgage analysis of $ XXXX, they told me that the old Insurance went up, so I called them back to remind Carringtom that I have 30 days to keep the old home Insurance or if I get a new one, on XX/XX/2021 I informed Carringtom that I changed the new XXXX XXXX, so they fixed and informed the new analysis of $ XXXX, so on XX/XX/2021 Carringtom change the mortgage house payment again they increase the analysis to {$400.00}, this time Carringtom says that because the house is in flood risk, after I investigate on FEMA web site ( Documents attached ), my home address is NOT in flood risk area, XXXX XXXX XXXX XXXX Tx. XXXX. Since XXXX mortgage bank transfer the loan to Carringtom, I have to file a complaint against this company, and on 2021, on CFPB I already filed 3 complaints against Carringtom, last complaint # : is : XXXX. I'm XXXX and tired of this mortgage company,
03/19/2015 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • MN
  • 553XX
Web
Carrington Mortgage Services Research dpt. XXXX XXXX XXXX XXXX, CA XXXX:XXXX XXXX : XXXX name is XXXX XXXX I was the customer for this loan. I refinanced my home on XXXX. The new loan funded on XXXX/XXXX/15. I have included copies of my XXXX/XXXX/15 statement from Carrington Mortgage and the HUD from the closing showing exactly what was paid to Carrington Morgage. I received a check for the amount of XXXX on XXXX/XXXX/15 dated XXXX/XXXX/15 for my escrow. However the escrow from the statement ( enclosed ) shows {$1100.00}. In addition there was XXXX added to that in the XXXX payment for a total of XXXX. I would like to know what happened to the ballance of my escrow? What account is there for the XXXX left in escrow? I have called and spoken to personel at your facility. Nobody gave me a name. I feel obligated to forward this to the Attorney general and the Department of Housing/urban Development. I expect to hear from a representative of Carrington Mortgage by XXXX XXXX/XXXX/15
04/25/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • XXXXX
Web
On today XX/XX/2023 I received a return call from Carrington Mortgage Representative XXXX XXXX ( XXXX XXXX XXXX Ext. # XXXX ) in reference to them taking over my mortgage from XXXX XXXX, transferring and refinancing the mortgage. Now prior to this conversation Mortgage Representative XXXX XXXX assured me that everything was going to work out fine. However he actually tried to sweet talk me into a Ponzi Scam. Because the moment I mentioned that I has a Real Estate Attorney who can possibly assist if needed. He hung up the phone then after me trying to reach him back he mysteriously calls me back. Then he kept playing the stupid games by pretending he knew absolutely nothing about my current residence currently being in foreclosure and lied claiming that I told him that my residence was a duplex. And had to actually repeat this to him several times and he also stated that he can have {$30000.00} in my account real soon. Eventually things went sour and he stopped receiving my calls.
05/27/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 91765
Web
Since our VA XXXX mortgages were serviced by Carrington Mortgage Services, payment amounts fluctuate month to month. Our auto-pay payments were held 'unapplied ' to our accounts. Meanwhile Carrington charged us fees and report to credit agencies for non payments. Auto-paid payments arrive at Carrington on time every month. When the paid amount does not match their ever-changing new mortgage amount, they hold the money in their account instead of applying to our account. They keep the money, charge us fees for non-payment and report to credit agencies. This is on-going and recurrent affairs to us. We have multiple mortgages with them and other institutions. No other banks conduct business this way. Our experience is not unique. There is a group called 'Carrington Mortgage XXXX ' with hundred of members with same experience. They prey on their customers whom they acquired from other banks such as XXXX. Carrington 's business tactics must be illegal and consumers must be protected.
05/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 604XX
Web
My name is XXXX XXXX I have a mortgage wi th Carrington Mortga ge Loan # XXXX . Property Address : XXXX XXXX XXXX XXXX XXXX , IL XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan. According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. Howe ver Carrington continues to report me as delinquent. They reported m e as being 90 days past due in XXXX and 60 days past due in XXXX . This despite a letter I received from them in XXXX apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for XXXX XXXX XXXX XXXX but then started erroneously reporting again in XXXX . This has been going on since XXXX XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.
02/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33411
Web
I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. . I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.
09/08/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 07304
Web
Carrington Mortgage Services incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00} per month. This error makes it appear my loan modification request did not meet the requirements. I provided Carrington Mortgage Services with the enclosed Notice of Error & Request letter for Information pursuant to XXXX C.F.R. XXXX. Carrington Mortgage Services never responded or took any corrective action pertaining to my monthly income. Carrington Mortgage Services never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX C.F.R. XXXX. Carrington Mortgage Services violated loss mitigation procedures. Carrington Mortgage Services knowingly miscalculated my monthly income after being provided with financial information via email, phone and fax. Carrington Mortgage Services also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.
11/02/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 633XX
Web
Carrington Mortgage worked with us to complete a XXXX forbearance for this account. We sent in our modification paperwork, as requested. However, we received a letter that our modification paperwork had not been received so our forbearance had been extended from XXXX to XX/XX/XXXX. We received our signed modification paperwork in XXXX and made our first payment XX/XX/XXXX for what should have been our XX/XX/XXXX payment. From the time of our modification paperwork, our payment also somehow went from {$1100.00} to {$1100.00}. We are now receiving letters threatening us with foreclosure because our payment is late even though, according to their own paperwork, our payments are on time. We also have to call or mail our payment in as we can not make the payment on line. Meanwhile, I've been diagnosed with XXXX and am now in fear that, if I miss a payment due to dealing with doctors and tests, we'll lose the house because Carrington Mortgage refuses to honor the letter they sent.
03/26/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IN
  • 46236
Web
On XX/XX/XXXX, my wife and I divorced and I was awarded our home and ordered to refinance the mortgage within 120 days or be forced to sell the home. I immediately contacted my mortgage company, Carrington Mortgage Services , LLC, to begin the refinancing process. Although I provided all documents requested on a timely basis, and paid {$600.00} for an appraisal, Carrington continually dragged their feet and did not respond in a timely manner to my phone calls and emails. On XX/XX/XXXX ( just shy of the 120 day time period I had to refinance the mortgage ), Carrington denied my application without just cause. I am now trying to refinance with another company and interest rates have gone up almost 1 percent. My ex-wife is also threatening to sue me for contempt of court. There is absolutely no reason Carrington should have spent almost 4 months on the refinance of my mortgage only to deny my application. They have cost me time and money and possibly the ownership of my home.
10/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 63119
Web Older American
I have been having issues with Carrington Mortgage Services since XXXX of XXXX. Carrington keeps sending me letters that I have missed payments. I have records of every payment I have made to them. I have NEVER missed a payment since day one. I will send you everything. Every time I receive letter, I send copy of payment to prove it was paid. I have talked with everyone in that company and get a different answer every time with nothing ever being resolved. On XX/XX/XXXX, I received a certified letter from Carrington that I have not paid since XX/XX/XXXX and they are going to foreclose on my house. I don't no what to do at this point. I am going to attorney tomorrow but she said I should also contact you. The amount they say I owe is XXXX, which also keeps changing. Have never been charged a late fee. This company will not deal with you and now threatening forclose for no reason. Carrington 's number is XXXX. Address I will mail all documentation since there is a lot. Thank you
11/29/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 641XX
Web
Originally had an FHA mortgage through XXXX Mortgage. Went into XXXX forebearance for the allowed 18 months and began paying again in XX/XX/XXXX to XXXX. Agreed on a flex modification with XXXX and began the trial period for modified mortgage in XX/XX/XXXX. After 2nd payment the loan was sold to Carrington. Kept paying Carrington same amount while finishing their flex modification paperwork and sent the signed paperwork on XX/XX/XXXX. They acknowledged receiving and said they were processing. In the meantime they started reporting my loan as 180 days late to the credit bureaus in XX/XX/XXXX. To date have not finished my loan modifications. ( 10x communications by phone, email, etc and I keep getting told it is in the process ). Now I am reading your organization took action against them just last week for these exact practices. I have paid this loan every single month since my covid forebearance was up. My credit score has now dropped from 800+ to XXXX. Please help me.
07/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 36869
Web
Carrington is https : //www.consumerfinance.gov/still harassing me not to give me my money to fix the rest of my house. The loss department is going against the bankruptcy department, that they do sign insurance checks even though the home owner is under bankruptcy. They still let the home owner have the money back to repair their house. It took 4 months for my insurance to give me this money. My health is also being documented by my doctor 's office. My XXXX XXXX is XXXX and my XXXX is getting worse with the mold smell. They want to keep making up lies that the bankruptcy department told me wrong information. I am not signing the check for them to keep and not send it back to me. Now their new excuse is I'm under bankruptcy why won't sign it back to me. It's just pure harassment sexism, discrimination gender discrimination because I'm a female. I have experienced gender harassment my whole life from mortgage companies. Carrington is being downright cruel and inhumane to me.
06/14/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30188
Web
I sent a loss mitigation application and all requested documents to Carrington Mortgage. I was in contact with them throughout the process and sent in everything when asked. I really thought they were going to help. Soon after, I receive a denial/cancelation letter with no reason as to why. I called and was told to reapply, which I did. Not a week later I get a Notice of Intent to Foreclose demanding all arrears due when I am not even 60 days late yet. Now they won't respond to emails and customer service can't assist. I even told them I'm willing to accept the 3 month payment plan an agent said they offered which wouldn't even need a loss mitigation application. Now I can't even get that. I thought there were laws protecting borrowers and sending a notice to foreclose after only 45 days shows the true motive. It really seemed they cared at first, but to try to take a house from a single parent with a young daughter when I'm trying and able to pay what I owe is truly awful.
12/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • XXXXX
Web
XXXX XXXX from Carrington mortgage contacted me in reference to refinancing my loanI an currently in forbearance due to COVID-19 XXXX XXXX He said that I owe XXXX in back taxes and this has to be paid before it refinance The only problem ids that because my loan is in default the money can not be taken out got my checking account He gave me an option of putting the money on XXXX Visa cards for XXXX. XXXX. XXXX total XXXX I was told by my bank that this us a scam and did not give him any money He left me several messages trying to pressure me into giving hint the money In his final statement he said that he was going to issue me a legal notice According to Carrington mortgage making a payment with XXXX XXXX is not an option. They would never ask for money upfront and never pressure me for money XXXX XXXX has called me and left several messages which I saved and regarding the XXXX in back taxes He has given me until Monday XX/XX/21 mornings to pay the XXXX with XXXX XXXX card
02/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34207
Web
I am attempting to sell the home that was granted to me through a will from my father. Over the past 2 months I have made several attempts to provide the information they need in order to discuss the loan and be provided with a pay off amount for the title company. I have hired an attorney, and I have had no luck communicating with this mortgage company. The home is under contract and set to close on XX/XX/XXXX. The title company and the law firm doing the closing have also requested payoff information and this bank refuses to provide us with the necessary information and amounts in which to pay off and satisfy this mortgage. This is a last resort in order to attempt to find a way to fully pay the debt that is owed on this house. Please note I have been working on this since XX/XX/XXXX. We have attempted to supply all information the bank has requested on multiple occasions and they refuse to confirm and/or acknowledge that they have received the information requested.
08/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • AZ
  • 85085
Web
When I currently have a house loan thru Carrington Home Mortgage and for the past year it has been a constant battle with this Mortgage company from not applying my payments correct to flagging my account as a bankruptcy ( which I have never have filed ). I recently decide too go ahead and refinance by house loan thru another company which is offering a better interest rate. Carrington has been roadblocking in which way possible for me on to access the information on line to provide to the new mortgage company. I have made several attempts and spoke to over XXXX supervisors at Carrington promising that this bankruptcy issue would be removed and the statements would be recreated and sent to me and as of today XXXX/XXXX/2016, it have been over a month, and not received the information that I need to proceed with my new loan. I am XXXX and XXXX man this issue is causing health issue because of the stress. I need you help to help me with th abuse this company is placing on me.
11/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98382
Web
I have been working with Carrington mortgage to finish my refi to a different bank. after having a very hard time to get them to work with my new provider i had to make my final payment to the company. the approved payment on XX/XX/XXXX that i was able to document and send to the new mortgage company. on XX/XX/XXXX i was advised by the title company that the payment had not been made. after talking to Carrington it was revealed that they had left an old account on file that had been removed 18 + months ago and that was the account that was attempted to charge. this led to NFS fees and having to make a last minute call to resolve this issue. after explaining my case to the CSR i had to ask to have a supervisor to reverse the increased fee to do the payment over the phone. Since they felt that i could still use the online portal ( which led to this issue ) they would not waive the fee that is implemented. i was not allowed to talk to the supervisor but provided an ID * XXXX
04/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21122
Web
A few years ago our mortgage was purchased by Carrington Mortgage. Since then we've had nothing but trouble. We got a few payments behind and caught up only to have them keep charging us strange fees to " keep us in the hole. '' As of now, they are showing that the last payment made was in XX/XX/2019, which shows on my credit report as 30-59 days late, which is dragging my score down. I have made both XXXX and XXXX XXXX payment but Carrington refuses to update that information. I have a print out from Carrington 's own site showing those payments were made as well as statements from my bank showing those payments were made. I have read through hundreds of complaints online about the same things happening to other people. This company needs to be investigated and shut down. In the meantime, I simply want my payment information reported accurately. This company will find anyway to keep collecting more money from you or to ruin your ability to refinance with another company.
11/18/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 91605
Web
My home is currently in active foreclosure, I fell behind 2 years ago XX/XX/2013 due to loss of income from employment. I have now submitted over 10 applications requesting assistance with modification of my loan and I always receive the same response " incomplete application '' I 've made contact over the phone with there representatives and never receive the assistance that I need I 'm always been told of additional info that is needed and when I send it and follow up on it. I get told by someone else a different story, the biggest problem is not having a point of contact to be able to assist me with what info is needed and receiving a follow up or confirmation that all is in process. I want nothing more than to be able to save my home for my family and I. But I save been dealing with this for almost 2 years and not getting anywhere I feel that my Mortgage company continues to give me the run around to eventually evict me. I ask that you please help me with this matter.
03/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75052
Web
My mortgage company is Carrington Mortgage and I am having issues with them releasing an insurance check. XX/XX/XXXX we found out we had a slab leak and the plumbing company came over to detect the leak and during the process they cut off hot water and and all the water pipes except one in the upstairs bathroom. XXXX XXXX put me in contact with field adjuster XXXX. He came over viewed the property sent results to XXXX XXXX the desk adjuster for XXXX XXXX. She in turn sent information to Carrington Mortgage Loss Department under loss draft # XXXX and approved the claim with a checkXX/XX/XXXX Carrington has been holding the check for some unknown reasons. I have spoken with them and informed they are putting my family at risk because we are currently boiling water and carrying water up and down the stairs. They are withholding funds that have already been approved by my insurance company. Please help me-we can not go any longer without water. It has been over a month.
09/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • ID
  • 838XX
Web
We fell behind on our mortgage payment. When we tried to catch up they refused payments saying we owed more and more. They put a foreclosure sale date as XXXX XXXX 2016. We learned they obtained our loan illegally thru a computer system. We also have tried to get a Loan Modification, which we have never had. All we get in response is that we have sent in the correct paystubs, or not the correct proof of residency. Then they stop trying for that loan modification, and I had to resend all the paperwork. Which I did and we are still being put off, it takes 5 days for them to be able to tell me if I have the correct documents or not. They are trying to push this out so we have no choice but to lose our home. I can not get a single point of contact within the company. No emails or phone calls are ever sent out, for anything other than one saying my statement is ready. We are at a total loss as what to do, we are now thinking a bankruptcy might be the only thing to save us.
08/08/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 629XX
Web
I have had a mortgage through Carrington Mortgage company for several years. In 2015, I elected to refinance to take advantage of a lower interest rate and that is when my problems started. They refinanced my loan but when they did, they paid my insurance company twice. I did n't catch the error until much later ( when my insurance company issued me a refund check ). When I called the company, they had no idea why my escrow account was short so I was n't sure if that was what actually happened. I agreed to pay additional money so that my escrow could be caught up. Now, this year, it is showing short again by XXXX dollars. When I called them, they admitted they had paid my insurance company twice but when I called my insurance company, they are only showing where it has been paid once. I need to know how to handle this. I ca n't afford to pay more money. Can I make them send me copies of the checks where they disbursed the funds? Please advise. Thanks, XXXX XXXX XXXX.
05/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 95404
Web Older American
I contacted my current lender to refinance my current mortgage, to free up room on my line of credit, with a cash out 15 year loan. Throughout the process I made it clear that I wanted to keep the HELOC ( 2nd ) and pay it off. This {$200000.00} line of credit is very important as I am a XXXX XXXX and need to expand. At the signing of closing documents we noticed a form to terminate the HELOC. We declined to sign and we immediately called our mortgage broker who stated just to decline signing the form. We did not sign the form and wrote 'declined ' as instructed. One week after closing we find that the lender requested termination of our HELOC. They stated it was their error but that there was nothing they could do to correct it and our timeframe for the right to cancel had expired. We went up the chain of command but was told nothing could be done to correct the error. We are now without any line of credit We feel they completed this loan process fraudulently.
10/20/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • TX
  • 77084
Web Older American
I had hardship of lost job of cov19 in XXXX, My mortgage with XXXX XXXX XXXX sold my mortgage to Carrington. All FORBEARANCE DUES ALREADY PAID IN FULL ON LAST XX/XX/XXXX BUT CARRINGTON WANT TO PUT ESCROW ON MY MORTGAGE OF 16YRS THAT I NEVER HAD ESCROW. ( THAT WOULD INCREASE MY MONTHLY PAYMENT TO $ XXXX $ XXXX MO ). Carrington intending FORECLOSURE & CHARGE LATE FEE my property. I received twice NOTICE OF INTENT FORECLOSURE, LAST ONE IS XXXX XXXX, XXXX SINCE XX/XX/XXXX TO -TODAY I HAVE BEEN ASKING TO REMOVED ESCROW CHARGES BUT THEY DENIED. MY PROPERTY MORTGAGE ALREADY PAID ABOUT 80 %. I never missed any payment of HOME INSURANCE, HOA , COUNTY TAXES IN THESE 16 YRS. I AM IN MY XXXX, very hard to find job to get some extra money to pay my mortgage. My source income from XXXX ONLY ABOUT $ XXXX month. With that amount I received barely can make more payment. Please help me to get out of Carrington THREAT. THANK YOU FOR ANY ASSISTANCES. BEST REGARDS,
11/10/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70127
Web
Carrington Mortgage has damaged my credit report. I need to get the correct information about my loan ( # XXXX ) sent to all of the credit bureaus. I have already tried twice to dispute the information through the credit bureaus and Carrington. The first issue is that the amount due is incorrect. My loan came from XXXX XXXX XXXX. I was able to get a forbearance with them in XX/XX/XXXX due to Hurricane Ida. Under those terms, I did not have to make any payments. Once it was transferred to Carrington, this became an issue despite everything I have said to customer service and the documentation I sent it in. Therefore, there should not be a balance of XXXX. The past due balance should be {$0.00}. The next issue is that Carrington reported that I have 3 missed payments of over 180 days. That is incorrect. I paid on time in XX/XX/XXXX and my loan didnt get transferred to them until XXXX XXXX It should state that I had 2 missed payments ( XXXX & XX/XX/XXXX ) of 60 days.
09/02/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • XXXXX
Web
Carrington Mortgage Services , LLC is committing mail fraud by posting false address of us in the website addressed as : XXXX XXXX XXXX Anyone creating a free account of the website and logs in can search by the property address of XXXX XXXX XXXX, XXXX, TX XXXX, will see the fraudulent page that would display our fraudulent information. Our address has been posted to be : XXXX XXXX XXXX, XXXX, TX XXXX. They are using this mailing address to post their auction for our property. This has been done to fraudulently access the mails of interested buyer who would be willing to buy our property and communicates with us. Also Carrington, in the site, has posted the straw borrower 's information and the flipped mortgage loan information to increase the foreclosure bid higher for the house. This is an example of how low can a mortgage servicer/lender can stoop down to in committing mortgage fraud. This act qualifies for both fraud for money and fraud for property.
05/24/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • WI
  • 548XX
Web
Carrington Mortgage Services sent me a notice of intent of foreclosure. I am up to date on all of my payments, they have no reason to foreclose on my house. I have all my bank statements to prove every payment has been withdrawn from my account. Even on their website my account shows every payment made. I first had issues in XX/XX/XXXX, they told me they never received my payment even though the funds had already been withdrawn from my account. They finally applied the XX/XX/XXXX payment I made on XX/XX/XXXX to my account on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX and they are telling me that was for my XX/XX/XXXX Payment. I have proof of every payment for the entire time my loan has been through them. They also increased my escrow account due to a " deficit ''. I did the math, there was no deficit and they are charging me double for my escrow. My property taxes and homeowners insurance do not add up to amount of escrow they are charging me.
01/25/2021 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 206XX
Web Servicemember
Carrington Mortgage intentionally reported my account 120 days delinquent while on a trial payment period. I was making the monthly trial payments and received nothing in writing to confirm the payments. This company has sent me regular bills for an amount that does not reflect the trial payments, nor the payments deferred per the CARES act. I have called and emailed a supervisor, XXXX, on numerous occasions. I have received conflicting advice and opinions each time. I was told that the credit reports would be corrected, but they weren't. I was told the loan modification is complete but received a bill with an amount due of {$29000.00}. This company violates the basic rules of customer service. Each call is a dramatic episode where NO ONE know what they are doing and every word conflicts with the other. I would like help in order to correct my credit report and ensure this company isn't taking advantage of me and fraudulently places my house into foreclosure.
12/18/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 705XX
Web
On XXXX XXXX, XXXX a major flood occurred in Louisiana involving my home. I got behind on my Mortgage, but was able to get caught up by XXXX of XXXX through a repayment plan. After hurricane Harvey in Texas, business slowed and I got behind on payments again. I asked again for a repayment plan, but I could not afford such large payments with the additional late fees imposed. I sent a full payment for XXXX XXXX on XXXX XXXX through XXXX XXXX, but the payment was declined by the Mortgage company. I received the notice on XXXX XXXX of the payment being declined, so I contacted the mortgage company. The representative on the phone kept insisting that I was 4 months behind and refused to work out anything except a deed-in-lieu or a cash sale. A letter sent in XXXX of XXXX states they would accept partial payments by placing the monies in a pending account until there was an entire payment accumulated, yet they would not accept a full payment for XXXX on XXXX XXXX.
10/21/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 116XX
Web
I have a Loan being serviced by Carrington Mortgage Services, ON MY primary residence.Because of the various hardships, I explained to them, prominent among them being the severe damage to the building due to the deadliest ever HURRICANE SANDY ( also termed as SUPER STORM ) during XX/XX/2012 .After submitting a lot of documents, I received a so called Loan Modification. They sent the Trial Period Agreement by ordinary Post, without any XXXX or XXXX Return Envelope, like I am told other Banks are doing. I signed and mailed them back the Original Agreement. I also made all the 3 Trial Period Payments - well on time. I am surprised to hear from them that they cancelled my Modification because they did not receive the signed Agreement, back, although they acknowledge having received all the 3 Trial Period payments on time. Now they refused to take further payments from me and are asking me to apply for a Loan Modification all over again, which is totally unfair.
06/01/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NM
  • 87114
Web Older American, Servicemember
I helped my daughter and kids when she got XXXX and lost work to pay her house and continue paying mine, but the medical bills and other bills tolled us into financial hardship. She is better and got a job. I am a XXXX and applied for modification with carrington. Carrington is telling me that my daughter has to pay her lien for me get the FHA modification or they will close out the file and send it to foreclosure. I proved the lien is not mine, that lien is for another person 's name, and that the title for my house is in my name and not in that person 's name. See attached documents Please I need the title search to be run in my name MY house is XXXX XXXX XXXX XXXX XXXX. I am helping my daughter financially, but she is NOT in my title at XXXX XXXX XXXX XXXX XXXX, XXXX nm XXXX The problem is that we knew about the issue of the lien just this Tuesday, not before, and we have a deadline for Friday or they will close the case? I already made the trial payments
01/16/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 92806
Web
I have requested in writing to Carrington Mortgage that my PMI be removed from my loan. My balance is less than 78 percent of the original value of my home. and about 45 % less than the current value of my home. There is no reason for me to still be paying the PMI charge each month. Carrington Mortgage does not automatically terminate PMI on the date when your principal balance is scheduled to reach 78 %. My loan is up to date and the PMI should be terminated. The Consumer Financial Protection Bureau states : Automatic PMI termination Even if you dont ask your servicer to cancel PMI, your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.
04/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60013
Web
We modified our mortgage 18 minths ago with Carrington mortgage services. And with covid 19 we asked for a forbearance and the mortgage servicer when applying online says they will get back to you in 7-10 days. Waited and then called. Talking with the mortgage servicer they say we dont qualify but we applied online thru our account. No one was ever going to call us. They said they asked a supervisor and we dont qualify because we are conventional. We would have to apply for mortgage assistance that could take 30 days from application received complete and accepted to start process of forbearance or modification. With it taking 60-90 days to get a answer. They modified us into a loan in which now we are stuck under whatever rules they decide. Its like they want people to get in deeper with them. I feel the website makes it look loke they help you but why couldnt they say when on website your loan doesnt qualify immediate. Why let consumers wait and hope.
01/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20706
Web Older American, Servicemember
On XX/XX/2019 I received a call from my Mortgage company ( Carrington Mortgage Services , LLC ) informing me that I was being charged late fees because they had not received my payment of {$1900.00} on the XXXX of the month, at which time I informed the representative that I was a retire XXXX employee and that there was no way that I could make my payment on the XXXX of the month because I didn't receive my check until the XXXX of the month. I also informed them that even though the check was in the bank it had to be cleared by the bank and I had no control over the time it would take for the check to clear and when the money would be sent to them, at which time I was informed that the money had to be received no later than the XXXX of the month. On XX/XX/2019 I received my XX/XX/XXXX bill statement saying that I owned {$3900.00} not the {$1900.00} due to over due payments of {$2000.00}. I have not missed any payments documentation available upon request.
01/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 150XX
Web
The company XXXX XXXX has refused to remove XXXX XXXX and refund excess payments according to state and federal regulations. At the time of closing XXXX XXXX down was provided yet the company is denying refund and removal of XXXX and XXXX. The company denied initially they were collecting XXXX on the phone which lead to further investigation on my behalf. At that time I said the company had reported collecting it on the annual statement yet it didn't appear on the website. I notified the CFPB immediately upon contacting XXXX to remove XXXX XXXX and refund the overcharges. In addition the company did not uphold an agreement to forebear mortgage payments during a XXXX related reduction in pay. Forcing me to pay back payments rather than fulfill their agreement of forbearance. XXXX XXXX XXXX. This is now the third occurrence of the organization attempting to defraud it's lenders and I wish to have another mortgage servicing company in the future.
12/23/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 91790
Web
If I don't pay my bill in the first week of the month, the lender mails me a notice of my account potentially incurring a late fee, and this is before my payment is officially late. If I fail to make a payment by the end of the month, they immediately mail a notice of intent to foreclose letter to my house. I admit I have not been consistent in keeping my account current and the lender initiated foreclosure proceedings last year but I was able to get approved for a loan modification so maybe there is something in the paperwork that allows them to contact me with threats of foreclosure after one missed payment. During the loan modification process, they continued to proceed with the foreclosure, even though I had successfully submitted a request for assistance. At the time, I brought up the question of possible dual tracking, and they did not acknowledge my concerns. I feel this lender violates consumers ' rights and uses predatory collection practices.
06/04/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46368
Web
I was running late on my payments for well over a year I would make the payments at the end of the month. I would always call them and post date a check for when I could make the payment. I have been on time now for the last 13 months. I set up an online account with them only to see they offer you setting up a Promise to Pay with them and they will not charge you a late fee. I have over {$600.00} in late fees sitting on my account that I feel if they would have let me know that such a thing existed I would have not been charged those fees especially because all along I always communicated with them and feel that I should have been made aware of that only for them to be able to charge me an extra almost {$50.00} a month. I did ask them if they would kindly reverse the fees because I feel like I should have been made aware I could have done that so I did not Incur the fee if I could have prevented it and they refuse. I feel like its unjust. Please help!
09/30/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 36869
Web
I would like to complain about a hostile employee while I was trying to make my payment to Carrington today on XX/XX/2021. I was paying the XX/XX/2021 payment but the rude female employee saying it would be applied to XX/XX/2021 when it's already paid. She was getting me upset talking over me it was because. She was very irate and hostile. She was trying to get me to pay payments that were added under my bankruptcy back on XX/XX/2021. I don't appreciate how this employee talked to me like I was some kid. She was rude and hung up on me and was falsely accusing me of yelling at her. I don't know her name but Carrington can listen to the phone call and find out which employee it was who was being unreasonable toward me. The carrington employees have already harassed me they know these payments were applied under my bankruptcy. The female employee caused all the problems today I was not yelling at her but I did yell when she kept rudely interrupting me.
06/01/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38118
Web
I had a reduction in income I had to file bankruptcy to maintain ownership of my home. I dismissed my bankruptcy and I 've submitted several request for modifications and Carrington mortga ge has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times. Carrington m ortgage has had my financials and modification request several weeks and now I have a property foreclosure sale date for XXXX XXXX , XXXX . Also The Property Foreclosure sale noticed is dated XXXX XXXX . The Tennessee law states the homeowner has to b e given a 30 n otice prior to the property foreclosure sale. XXXX XXXX XXXX mailed the notice of foreclosure on XXXX XXXX , XXXX I did n't receive the notice until XXXX XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me
12/28/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30458
Web Servicemember
I am an XXXX XXXX service member seeking assistance with my mortgage. I have made many attempts to work with my lender but I often times feel as though I am being given the run around our just being outright lied to. We experienced some rather life altering difficulties after moving into our new home. We went through a period where we were unable to pay our mortgage. We were sent to XXXX. We dug in and worked hard though. I picked up a XXXX, short term job in addition to my military position. We cut off everything of " luxury '' - cable, internet, cell phones, eating out, school trips for the children, vacations, birthdays etc. We pulled ourselves back from the impending devastation and resumed paying our mortgage in XX/XX/XXXX only to have our payments mailed back to us demanding full payment which at that moment was impossible. Since then I have been actively seeking a solution with the mortgage company but have been met with countless obstacles.
10/11/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • IL
  • 601XX
Web
We have been attempting for 4 years to get a loan modification through Carrington Mortgage Services but have been yet unsuccessful. My father passed away in XXXX and we started the process them to have him removed and myself added but they have not been able to work with us. They have continually come back and requested more paperwork ( Death Cert, Affidavidt of Death, Probate ) among other things. We can easily afford to stay in the house and resume the montly payments and even pay more if needed but in the meantime they pursued forclosure and now have a sell date of XX/XX/XXXX. I have even gone as far as filing for XXXX to protect us in hopes they would be able to work something out, but they have refused to help. We are seeking any help we can get, my attorney has even been unsuccessful in working to get a modification pushed through. I can provide a trail of docs that go back several years to show we have had every intention of keeping the home
09/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 36869
Web
Carrington is saying that I'm {$2500.00} past due. I know this isn't true I have been under bankruptcy protection for 51 months and I have never missed a payment. From reading the complaints on their XXXX record other homeowners say keep your payment receipts and bank statements. I have done all that since Carrington took over my home lown. My payment has changed to {$560.00} and I just paid that and they are showing that payment on my mortgage statement. I keep all mortgage statements and bank statements so they can't say I'm not paying my payment. I am worried when my bankruptcy ends they will try to foreclose on my own even though I am making my payments. I was making my payments with XXXX XXXX XXXX had my loan but they weren't applying the payments because they wanted to wrongfully foreclose on my own and were in the process of foreclosing on my home even though I was making my payments. Which Is why I had to file bankruptcy to save my home.
04/27/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 11720
Web Older American
Good Afternoon, My name is XXXX XXXX, my family and I have been trough a tremendous hardship, both my husband I have medical issues. I was diagnosed with XXXX first and shortly after my husband was diagnosed. We tried several times to no avail for a modification and then tried to sell property as a short sale. Lender claims that since 2 appraisal was done and they can not do any more as per HUD guidelines. The problem being property value has decreased significantly and last appraisal was done over 6 months ago. The last appraisal came in at such a high value as well with no decrease based on the property damage and repair. I am asking for some help for them to just send another appraiser over so they can see themselves the property condition and value it accordingly. Last appraisal came in for {$XXXX}. I'm attaching the value sent by a XXXX. This value is based on no damage to the property. Please I am asking for some help. Regards XXXX XXXX
07/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 36869
Web
Carrington is making things difficult for me about an insurance check for the repairs on my house. The check is made to me first and then Carrington. XXXX is real rude toward me she disconnects the phone during business hours she is very unprofessional. They want to keep the money for themselves and do as they please with it. While I need to fix the repairs. They want to put the money and they decided when to give me the money. I was lied to by this one Carrington employee when this woman e-mailed me an information packet. I paid {$39.00} to overnight the check now they refuse to sign it and have mailed the check back. XXXX refuses to speak to me being a brat and very unprofessional.. Then she thinks she is going to sick a male on me. To bully me. She is handling this but refuses to speak with me. I am being abused and discriminated against because I am a single widow female who isn't married & they think that they can treat me like garbage.
02/19/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 38637
Web
I received a letter from Carrington Mortgage, who bought my home loan from XXXX XXXX XXXX in XXXX of 2015, stating that they were going to start foreclosure proceedings since I missed my XXXX 2015 house payment. I received the letter in XXXX. I called and was told to send all of my bank statements proving that I did indeed pay. I faxed all of my statements as requested and the XXXX payment was noted as well as the past 4 months payments. I was sent a letter requesting front and back of check to prove who indeed cashed it. The statement clearly states that the check was converted to an ACH payment and the front and back of check is not available! I called XXXX XXXX, my local bank, and the branch manager, XXXX XXXX, requested the front and back of check from XXXX XXXX who handles the account for Carrington. XXXX XXXX has not responded and I have received a second letter stating that they are starting foreclosure proceedings ... what can I do???
01/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 20772
Web Older American
RE : Loan # XXXX. XXXX XXXX I submitted a request with Carrington Mortgage Services , LLC ( CMS ) for a refinance on XX/XX/2020. To date I have not received a letter of denial or approval. I made payment for an appraisal. However the company that conducted the appraisal, appraised my house below market value using compatibles of homes 15 years older than mine. The appraisal listed my house as a 3 bedroom when in fact my house is a 4 bedroom. The housing market in my area has increase with the past year. And I had an appraisal done on house within the past year from another company which was valued at {$310000.00}. The company used by the lender valued my house at {$290000.00}. I researched the Appraisal company used. The company XXXX XXXX XXXX XXXX XXXX XXXX, has had a complaint with the XXXX XXXX XXXX within the last 12 months. To date I have not received any response of my request for status of application after making several attempts.
11/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30310
Web
I submitted a request on XX/XX/XXXX for a standalone partial claim due to my payments being in forebearance during the pandemic. Carrington sent confirmation that my request was received and that they would contact me by mail within 10 days on the processing of my request. I never received any correspondence about my standalone partial claim request as promised in the confirmation that I received. I received a notification stating that my forebearance was extended another 30 days and I did not request additional time in forebearance. I have made some payments while in forebearance but still no answers. I called and spoke to a representative on XX/XX/XXXX to check the status of my request and the representative was not aware that I had submitted a standalone partial claim request until I told her. She told me that paperwork would be arriving for me to sign within a few days and it never arrived. She encourage me to continue making payments.
12/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NV
  • 89117
Web
Our mortgage application was brokered out to Carrington Mortgage located in XXXX, CA. File was submitted clean, underwriting provide underwritten approval in XXXX. All conditions were submitted numerous of times to underwriting to be signed off. Lender never provided clear to close. Final closing disclosure was signed by us on XX/XX/XXXX. No loan docs at title within the 3 days. Lender requested more conditions that was not necessary. Lender didn't close our file on time after 3 extensions. Close of Escrow was schedule for XX/XX/XXXX. Lender had our file for 3 months. We even went with a different lender because of this. The new lender has provided a new loan approval ina week. We lost our XXXX earnest money because of them. Seller walked away from sale because she didnt want to reinitiate our contract. Our realtor and our loan officer have emails documenting everything from the Account Executive from Carrington Morthage. They failed us.
03/25/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 301XX
Web
I have been dealing with Carrington Mortgage since the end of XXXX trying to get them to cancel a subordinate security deed they placed on my property. It's a subordinate security deed that they submitted to HUD and HUD rejected it but Carrington mortgage recorded the deed anyway. I am trying to refinance my property and I can not close on my property until Carrington cancels that security deed. I have been in contact with XXXX XXXX on multiple occasions and she has stated that she has escalated this to their legal department and VP however she has not responded to us in over a week and my lock is about to expire for my refinance. I believe that she has been unprofessional rude and unconcerned with me trying to refinance my property and get this subordinate security deed that is recorded in Error canceled so that I can close. I don't know what else to do except to report them to the CFPB or the bank and finance department. Can you help me?
11/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77039
Web Servicemember
I am a victim of Hurricane Harvey that happened XXXX-17 in XXXX, Texas. The insurance company sent of check in the amount of approx. {$37000.00} to repair my home and the contractor estimate is approx {$53000.00}. The Carrington mortgage servies company will not release the funds to have the company start on my home. The insurance is taking care of the difference. Please advise in correcting this matter. My home is not livable and I can not continue to pay for rent and mortgage in two places. Also if I am to pay for insurance through my escrow why would the Carrington mortgage servicers company put something that I am paying for in their name and is that legal. Today is XXXXX-17 and my home is still a disaster. I have called numerous times to at least get clarity of when the funds would be dispersed for my home repairs. The staff is unpleasant and unhelpful. I am tired and frustrated with no help. Thanks in Advance XXXX XXXX, XXXX XXXX
12/07/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37042
Web
I have fallen behind on my payments. I applied for a modification which I did not qualify for. In XX/XX/XXXX. I contacted retention and made a payment of about {$3200.00}. I called today to XXXX another payment of {$1200.00}, monthly payment is {$1000.00} and there is a couple XXXX in suspense. They refused to take my payment said I had to pay XXXX in full, would not allow me to speak with retention. They said I failed to keep my agreement, which I had no agreement I was n't approved for the modification. Last year I experienced so setbacks, but I am trying to remedy that and move on. I need my home I have children. But Carrington Mortgage Servicing is unwilling to allow me any solutions. I do not receive regular communications from them so I am not sure where I am with the loan. I calculated I will have the loan current and will be able to pay monthly by XX/XX/XXXX, if allowed to make the larger payments in XX/XX/XXXX and XX/XX/XXXX.
05/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44113
Web
My loan was purchased by Carrington in XXXX 2017, an d I find their servicing practices to be very non-borrower friendly. First issue experienced is having my payment rise {$82.00} a month in order to build a legal amount in escrow. Even though, through XXXX XXXX XXXX , there has never been an escrow shortage. Next issue is that starting X/X/2017 , Carrington will be charging {$5.00} convenience fee on all one-time online payments. This is my method of payment and unsure why I am now being penalized to use this service. I understand I can sign up for automatic payments, but sometimes life just doesnt work out that easy. I feel entrapped to sign up for this service and run the risk of overdrawing my account if the funds are not in there. These mortgage payments have NEVER been late ; in the 10 years this loan has been active. I find Carrington Mortgage servicing practices un-nerving and a possible CFPB violation.
10/04/2017 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 77706
Web
Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on X/XX/17. Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. C.M.S. is fully aware of this as indicated by them verbally and in writing. This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from X/XX/17 onward and possibly extended. However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency CMS has since contracted with as seen by the attached letter herein. I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. Very truly yours, XXXX XXXX Re:XXXX
06/06/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 335XX
Web
During the pandemic, my account was transferred to Carrington Mortgage Services. After fighting tooth and nail I got them to process a modification on the account. In XXXX, due to everything that was going on I was able to qualify for my mortgage to be paid for 18 months by the. The payments are made directly to Carrington but instead of applying the payments accordingly to my account, they have made a bunch of random payments and fees causing my account to not balance correctly. Now my account looks like it is two months behind but it is because the payments were inappropriately or not even applied to the account. I believe that there are some issues with their accounting and how they are applying those payments. I could tell where a portion of a monthly payment was taken and an entry for curtailment was entered instead of being applied to the monthly due causing the payment to be not only late but short of the monthly payment.
09/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 76133
Web
I was offered Mortgage Assistance Forbearance for my conventional loan. The dates range was from XX/XX/XXXX - XX/XX/2020. I attempted to pay XXXX but was told I could not make a payment and that I needed to call the company. I called and they advised I needed to send in documents to continue forbearance or loan modification. After sending the requested information, they have reported me to the credit bureaus and placed me in foreclosure. I offered to pay the past due amounts, even though those payments should not be considered " past due '' when I was advised I did not have to make a payment till the conclusion of the forbearance period at the earliest.. Now as I await a decision from the underwriters, my credit report is negatively impacted and I am being denied attempts to make any payments. I have quite a bit of equity and I could EASILY sale the property, but I was told by Carrington that I can not sale it even I wanted to,
07/26/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • FL
  • 326XX
Web
On XX/XX/2023, I received a statement that I'm in a negative balance XXXX that has occurred with out my knowledge. Multiple forced insurance policies have been placed without my knowledge. The contract states that I was to pay them for insurance, but instead they sent the check back and stated that it would be covered without any further acknowledgement. I had XXXX in XX/XX/2023 which had me sick for weeks and for reasons unknown did not receive any mail stating I was even behind, now months later this preditory loan company is charging for unforseen charges on every level, attorney and things like home inspection that don't even happen. I'm being charged for everything under the sun that they can come up with. As of XX/XX/2023 charges have occurred for attorney fees and whatever they can change me for. They're trying to take my home, for a contract that was transferred from another company and changing the terms of agreement.
08/15/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NM
  • 87505
Web
I qualified to participate in a deed-in-lieu with my mortgage company, Carrington. They proposed a XX/XX/XXXX closing to acquire my property, then cancelled. After several calls, emails over several subsequent weeks, I learn through various case workers in the short sale department that a " custodial file '' for my case can not be located just yet. There is no proactive response to me, no explanation from my caseworker XXXX XXXX, no apologies and most importantly, they can not provide me with a timeline for closing and completion. My attorney XXXX XXXX even emailed Carrington/XXXX. XXXX indicating that the process has stalled, and with no response to him. Meanwhile I am required to maintain the property and keep utilities connected, at great expense to me to keep the agreement in force. This is an incredible cost burden for me, a homeowner who is already cost-burdened to have to resort to a deed-in-lieu process to begin with.
03/30/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 302XX
Web
In XX/XX/XXXX I called Carrington Mortgage to see what is my pay off balance since my last payment would be on XX/XX/XXXX @ {$240.00} which would mean in 13 months the total would be {$3400.00} and they gave me an amount that is much more than what is should be. {$9400.00}. The company told me that I had a loan consolidation that I had taken out from the company that they purchased the loan from. I asked them to send me the paperwork but they never did. I contacted XXXX XXXX XXXX, who sent paperwork that said I have never consolidated a loan and forwarded Carrington a copy on XX/XX/XXXX. XX/XX/XXXX is a dated letter that I received with the original loan papers and a letter of apology with a promise indicating that they would straighten it out for me and send me the correct amount. They still have not corrected my loan pay off, it's reading the same larger amount. Trying to reach them by phone is very difficult at this time.
08/12/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TN
  • 378XX
Web Servicemember
Carrington Mortgage Services is ripping off consumers. I've had several mortgages over the years and have NEVER encountered one that charges fees for any type of payment, except if made by check ( who uses checks anymore ) or autopay. Any online payment or payment by phone or even bank draft has an added fee assessed. This is not fair or convenient. I typically pay added money against the principal. Now that servicing has transferred to Carrington, the only way to pay on added principal without paying a fee is by mailing a check. This practice works as a deterrent to payments. Their bogus, needless fee structure harms consumers while padding their own wallets. it should be unlawful for a mortgage servicer to assess payment fees that are not customary throughout the industry. This is especially significant because consumers do not choose the mortgage servicer assigned to them. Please stop stealing money for no added service.
06/12/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NJ
  • 08046
Web
On or around XXXX of XXXX I sent Carrington Mortgage a packet of information describing how my identify was stolen to create a refinance mortgage by XXXX mortgage bankers. I also sent them the expert hand writing expert report showing that my signature was forged upon the documents. I also filed a Chapter XXXX bankruptcy in XXXX where as my mortgage debt was discharge in Bankruptcy court. I also made XXXX XXXX XXXX aware of the bankruptcy of the discharge mortgage. They still have been contacting me to date about the debt and attempted to foreclose on my home in which at the time of the Bankruptcy they had no legitimate lien to the property. They also have " NEVER reported any of payments to any of the credit bureaus of the payments that I have made on my home. My identity was stolen, they are attempting to collect a debt I don't owe and I was never credited for any payments on my credit report from the purchase of my home.
11/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • XXXXX
Web Older American
I have paid this mortgage company two payments one they received on XX/XX/2022 and another payment on XX/XX/2022. They have gotten a total of {$3800.00} which brings my mortgage current to the end of XXXX. I do have an attorney, which has spoke to their attorney, which knew that this money was coming. The problem now is they said they must get to their back in to see if theyre going to apply this money to my account. This is not fair I am a XXXXXXXX I need to stay in my house they went to work, and they do have the money, which makes me current I have not applied it. I spoke to a woman XXXX today and she said her book show that Im still in arrears since XXXX. please help me because this seems like a case of them not being honest in their dealings. My mortgage is an FHA mortgage, and I do not like the way they are treating me its not like theyre waiting for the money they have the money and all they have to do is apply it.
05/19/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 290XX
Web Older American
My home was destroyed XX/XX/2021 due toStorm the Insurance company paid a settlement for the house and it was sent to the mortgage company it has been sitting in an account for almost a year and we have been paying rent and storage trying to sell the vacant land the mortgage company put forced insurance on just the lien when the insurance company could no longer ensure the property I have tried to get the 3 inch the mortgage company to remove the forced insurance because we have a buyer for the land and with the amount that we were asking it will just pay off the mortgage if they dont remove the forced insurance there will be not enough moneyTo pay the loan off the mortgage off with the XXXX XXXX that they are holding and we have asked repeatedly please help let us pay that mortgage off we dont get any proceeds from the sale we have lost everything and they refused to to give us any assistance or even answer our questions
04/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37412
Web
On XX/XX/XXXX i received my trial modification paperwork from XXXX. first paymnet due on XX/XX/XXXX final on XX/XX/XXXX on XXXX mortgage was then sold to I Carrington Mtg Co. I have made all my required payment as agreed in the trial modification, I received my final docements on XX/XX/XXXX and returned them on XX/XX/XXXX. The papers stated my first payment is due on XX/XX/XXXX but Carrington advised I was due a payment in XX/XX/XXXX and cant tell me where that money is going and the final modification paper amount will differ because of that payment, I can not get a straight answer as to when my final docs will be uploaded they can not give me a balance etc but they are wanting a payment when i clearly made XX/XX/XXXX pymnt in XX/XX/XXXX and the documents state the account wasnt due until XX/XX/XXXX when I was made to pay it in XX/XX/XXXX. They are still reporting negative to my credit and all my payments are being made.
06/15/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20747
Web Older American
I 've been trying for at least a month, to update my online password after it " expired '', but nothing I enter that would fit their criteria works. I 've made up passwords I 've never used before, made sure a person 's name on the account was n't used, the capital letter, small letter, special character, numeric, and at least XXXX characters long. Nothing works. I 've been trying to pay my loan and now there is a recording saying they are having technical difficulties and higher than expected call volume and to " call back later '' then click. I am not sure why XXXX sold my loan to them, but they have been nothing but a problem to make a simple payment online. There is no other phone number for technical difficulty. This all looks like a scam to charge a late charge or XXXX XXXX charge to me. I do not know why they think they need to decide for me, that I need to change my password, as long as it fit their criteria once.
02/06/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 241XX
Web
I have had ongoing issues with Carrington Mortgage Services managing my mortgage. Twice in the past 6 months they have misapplied my mortgage payment to another account and wrongly reported my account as being late to the credit reporting agencies. As the accompanying documentation shows, they received and cashed the check for my payment on XXXX/XXXX/2016 and still have not credited the payment to my account. After their last error they promised to immediately refund the late payment charges that I paid, a home inspection fee that they charged me and they were to have reported the correct payment information to the credit reporting agencies. as of this date. none of these actions have taken place. Carrington Mortgage Services should be suspended or barred from administering VA loans until a complete audit of their accounts is completed. As XXXX XXXX veterans that have served this country well, we deserve better than this
09/04/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 613XX
Web
in 2014 I was taken off work XXXX. I was current on my mortgage until XXXX 2014 when my income was cut out in over half. I tried to work with the mortgage company Carrington mortgage company XXXX XXXXXXXX. They told me I could get mortgage assistance and they have used excuse from not having the proper documents but they had in their possession. Then they wanted more proof of pay stubs, which again once I received them I sent them in. I have done everything to fix this issue and they refuse to help they are rude unprofessional and I have tried everything. I do not want to lose my home and made that perfectly clear but they wont help me at all. I would like a lower payment and time to resolve this issue fairly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same address as the mortgage. Please help me. I am a XXXX veteran rated 70 % pending 80 % within a month so now I am exempt from property taxes now. Thank you XXXX XXXX XXXX
02/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30021
Web Servicemember
XXXX XXXX XXXX sold our mortgage to a collection agency. We have never missed a payment nor have we been late. We have automatic payment every XXXX of the month for the past 10 years. We did not receive any goodbye letter from XXXX XXXX XXXX or a welcome letter from the collection agency Carrington Mortgage Services , LLC . Within 10 days I have received 3 separate letters from Carrington LLC stated that I am 2 months behind. We went online and made 2 mortgage payments one for XXXX and one for XXXX. Then we called Carrington LLC the company could not tell us any information about our mortgage and why we were behind although we have receipts showing that we paid them. I went online and only read bad reviews about Carrington being a scam company reporting people to credit bureau and trying to foreclose on homes that were never late in payments. I need help. I am the little guy in this one and feel like I ma being duped.
01/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 377XX
Web
CMS purchased my loan from XXXX in XX/XX/XXXX. CMS did not give correctly tabulate my escrow account. They raised my mortgage payment by $ 65.00+ in XX/XX/XXXX I called them and tried to advise them of their error. They insisted there was no error and refused to make a correction. In XX/XX/XXXX they completed an escrow analysis, and again, they did n't tabulate my escrow account correctly. I should have an $ 1,075.00+ surplus. CMS incorrectly calculated my surplus to be {$10.00}. I reviewed their analysis and noted they paid my USDA annual fee amounting {$1200.00} twice by mistake. I asked them why and they said its because it was never paid in XX/XX/XXXX. I obtained my last escrow statement from XXXX which clearly shows they paid {$1200.00} in XX/XX/XXXX. CMS refuses to acknowledge their mistake and refuses to refund my money. I have included objective supporting documentation to corroborate my contentions.
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • XXXXX
Web Older American
Looks like Carrington is going to ignore the laws of Texas, and rules set by the cfpb, in XXXX the account for XXXX XXXX XXXX XXXX by XXXX XXXX XXXX because the 7 year 's to remove had passed, it was removed from all the credit reporting agencies, in XXXX the account was moved over to Carrington a debt collector, they started making up statements, that was false, first a lawyer sent me a letter to cure the account XXXX, then Carrington sends a statement in XX/XX/XXXX, for XXXX, in XX/XX/XXXX one for XXXX, then one in XXXX for XXXX, al these supposedly pass due amount s, now Carrington has put it back on my credit report, reporting like a new mortgage, they changed all the amounts, not reporting the last payment was XX/XX/XXXX, according to the fair credit reporting act, once a account is removed it can't be put back on, and changing all the information is illegal, and can file suit.also justice Dept ruled it illegal
06/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35633
Web
XXXX the XXXX XXXX I opened a dispute, they said they changed my account to being in forbearance, I called them and they stated that they didnt see why it would be coded as that but they couldnt corrected it right now. I am trying to buy a home and I cant because of this terrible mortgage company. I feel as if they re retaliating against me for contacting CFPB and XXXX because of their tactics. I asked to speak to someone that can make decisions and they WILL NOT LET ME speak to anyone else. Also when my mortgage was bought I had a XXXX dollar inspection fee from them to which was charged before they owned my account. This company is like dealing with a little child I can not get any information from them to help. I have not given written consent nor verbal consent to put account into forbearance as I have been paying my mortgage. This company has to be stopped they are messing with myself and many other families.
05/27/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • CO
  • 80537
Web
URGENT!!! NEED HELP ASAP!!! ( Supposed to close loan on XX/XX/XXXX ) I 'm more than happy to provide more information upon request. When I purchased my home, I financed with XXXX. That loan was sold to XXXX XXXX XXXX, where I had a few loan modifications over the years. The loan was then sold to Carrington mortgage services. Carrington is now saying I owe $ XXXX more than what I actually owe, and they will not provide documentation or research the issue in a timely manner. I am aware that I owe the deferred amount from the loan modifications on my loan, however they are saying I owe the modification pay-off twice over. We are supposed to close on the house sale on XX/XX/XXXX. We have been trying to get this resolved for nearly 4 weeks, with absolutely zero response. We have been asked to contact Carrington 's research department via Fax, but are also getting no response. I am desperate for an answer by XX/XX/XXXX.
12/31/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • PA
  • 19145
Web
I got a loan modifications in XXXX. I was a victim of a predatory lenders in XXXX. I got a loan modifications with Carrington mortgage and because I was in a pickle and was eager to save my home I didn't realize how they were robbing me. My original loan was amortized at 424 months Carrington changed it to 337 months. They want a balloon payment in XXXX. They added {$4700.00} and my payment went from {$590.00} to {$580.00}. They claimed they wrote off {$290.00}. In the a part of the terms of the modification it states that any increase in the amortization period can result in a balloon payment. Item b States that there was XXXX amount deferred so please tell me why a balloon payment? They have transferred my loan to XXXX who is another predatory lender and they are looming for a prepayment and a balloon payment. I don't see why. They are predators and continue robbing consumers. Please advise if I need a lawyer.
02/04/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 631XX
Web
In XXXX XXXX I changed insurance companies lowering my homeowners insurance from {$1000.00} per month to {$690.00} per month. I called Carrington and made them aware of the change and so did my XXXX XXXX XXXX. In XXXX XXXX I noticed there was no change in my monthly payment. I concluded that they may need time to make the updates. In XXXX my monthly payment remained same. I called Carringtion and was told that they needed to do an escrow analysis and the adjustment would then be made. When I received the analysis my montly payment was increased from {$760.00} to {$780.00} beginning XXXX XXXX. I called and asked how could that be and the representive told me there was a short. When I asked to speak to a supervisor she put me on hold and no one ever came to the telephone. Also I never received a refund for the funds that were in escrow when I switched insurance companies so there should be an excess not a shortage.
01/07/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 22406
Web Servicemember
I am going through a divorce. I am XXXX percent totally XXXX Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I receive {$4100.00} a month in XXXX compensation. My home is in a forbearance and I had to fight with Carrington Mortgage to get this. All of this started aggravating my lupus symptoms and I put the home up for sale, however, I see my soon to be ex-wife has set me up in court not paying anything towards the home but minor repairs and utilities, saved all her money from her job, paid for an attorney, a new car and trying to ask for spousal support. I am trying to get the Veteran Affairs to work with Carrington Mortgage so I can keep my home. I recently got a name change and I tried submitting the documents to Carrington Mortgage, however, they are making it very complicated and discriminating against me to update my name is their systems. I feel as if I am being treat unfair and without dignity.
03/10/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web
Hi, last month I filed another complaint against carringtonm mortgage services llc, last month after I received the home insurance premium, I contacted carringtonm M S LLC., to get the new analysis, they told me that the new payment will be {$350.00},, last year the home Insurance premium was almost the same as this year and I paid every month the same amount, but today XXXX I received another different analysis for {$400.00}. On XXXX several times I called carringtonm and they told me that the new analysis will be the same as last year, about {$350.00}. Every year I have to file a complaint against carringtonm because they do the same tricks and trying to get more money. Last complaint was because carrington didn't wait the 30 days period for me to pick a different insurance, so I did it, then the house payment went down, but this month they increased again. Carringtonm mortgage services llc XXXX fax : XXXX. I
06/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30083
Web
I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.Carrington Mortgage doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!
05/13/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85209
Web
I disputed the inaccurate reporting from Carrington MS reguarding a 90 day late in XXXX 2015. Carrington investigated the issue and said that the information was indeed incorrect and that they would update the information, and it would reflect on the next reporting in XXXX 2015. There has been no update done to the XXXX credit bureaus. We are trying to close on a house and XXXX companies will not proceed until it is corrected. I have waited long enough and jumped through so many hoops to get this resolved. It has hurt our credit score and caused us to pay higher interest rates on purchases we have made. I have talked to Carrington MS and they explained that they did there part, and I was more then welcome to contact the research department by mail, which would take longer. I want the information updated and reported immediately, therefore we are able to close on our home and never deal with Carrington MS again.
06/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CO
  • 80132
Web Older American, Servicemember
I was notified that that my credit report indicates that I had a payment past 30 reported today. Last month I received a letter from Carrington Mortgage LLC that I did not make my XX/XX/2021 payment. I did make my payment, but Carrington Mortgage incorrectly applied it as a extra principle payment. I called them XX/XX/2021 to get the issue resolved and they told me it would be fixed. Today I received a notice from the credit bureaus that it was report as a late payment. My credit was above 800 and excellent now it's fair and below 800 and I'm in the process of refinancing my other home. Mortgage companies should be held accountable for their mistakes and negative impact it has on consumer 's who have excellent track records in their payments and paying their bills. This whole issue is a direct result is a direct result of their errors and they not taking responsibility for their negative and harmfully actions.
01/23/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 34953
Web
The XX/XX/XXXX statement showed that I paid cost and fees of {$2300.00}. My fear is this cost and fees appear from the unknown. I don't know what and why Im paying those fees and cost. I've been making payments monthly and don't owe back mortgage payments. I've consistently added extra to my monthly mortgage amount but Carrington Mortgage Services have not been applying the extra amount on my principal as requested. According to my statements Carrington Mortgage Services have funneled my extra payments to a Default Cost category and fees totaling {$2300.00}. I had a mortgage modification on XXXX of XXXX. I have a FHA loan and the rate is fixed. There should not be any hidden fees. The company representative of Carrington Mortgage states the cost and fees stems from the modification. I really am confused. All the fees from the modification was resolved or absorbed into the load. That explanation is bogus to me.
04/01/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CT
  • 064XX
Web Older American
I am retired and have had my mortgage sold by XXXX to Carrington Mortgage ( which I had no say in ). Now Carrington Mortgage after more than a year is charging me a convenience fee unless I make the payment an automatic bank draft payment. I have been paying online since they acquired my mortgage and have not missed a payment or been late. I have a sizable mortgage and adding more fees onto that payment in order to force me to attach them to my account is ridiculous. They are making {$1600.00} in interest already, and it seems this practice should be illegal. Everything I read tells me they can not force me to make an autodraft from my bank account. Please advise, as I am afraid if I am forced to make this autograft to avoid fees, may cause them to try an pull from an account that may not get retirement pay deposited on time and cause an overdraft/insufficient funds situation for a situation out of my control.
07/09/2020 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • DC
  • 20019
Web Servicemember
I am experiencing a financial hardship during the COVID-19 emergency and have requested a CARES Act forbearance. On XX/XX/XXXX, I submitted a written forbearance request to XXXX, the previous servicer of my VA backed mortgage. I did not receive a response, and servicing rights were then transferred to Carrington. On XX/XX/XXXX, I submitted another forbearance request through Carrington 's website. I did not receive a response. On XX/XX/XXXX, I called Carrington and verbally requested a CARES Act forbearance. I was told that I am ineligible, because I was delinquent on my mortgage prior to the coronavirus. Under the CARES Act, I am entitled to a forbearance regardless of delinquency status. U.S. Code, 15 U.S.C. 9056. Carringon has improperly denied my forbearance request and is not abiding by the terms of the CARES Act. I am asking the CFPB to require Carrington to follow the requirements of the CARES Act.
06/30/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TN
  • 37918
Web Older American, Servicemember
We had a forbearance and when it ended I filled out the modification paperwork 15 different times. They kept saying that they needed something else. They kept telling me to call back in a week and check the status on the modification. This went on well over a year. They put our house up for sale for forclosure without even notifying us. We found out by someone knocking on our door asking us to quick sale the home to them instead of it being auctioned. They also reported to the credit bureau and our score went from the XXXX 's to the low XXXX 's, They charged us several XXXX in late fees. I finally got them to accept the paperwork and instead of putting the missed payments on the end of the mortgage, they are making us pay XXXX more than what our mortgage payment was. We payed {$780.00} with insurance and taxes included. We are now having to pay {$1200.00}. This is a struggle since we are on a fixed income.
06/21/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07731
Web
On XX/XX/XXXX, I received a notice of default and intention to foreclosure. In order to cure that default, I was informed to pay the past due amount of {$2400.00} by XX/XX/XXXX. I paid said amount on XX/XX/XXXX, in which I will be providing proof of transaction along with this letter. Ever since this date, I have made all mortgage and property tax payments on time, which were electronically made to XXXX via my personal bank. Despite all payments being processed on time, I was told that I am missing payments to my loan and mortgage servicer. At the beginning of XX/XX/XXXX, I was notified by a new carrier, Carrington Mortgage Services, that I owe a total of {$8000.00}. I tried reaching out to the new carrier to resolve this issue and was unsuccessful with their compliance. I have not received any monthly statements of payment history and/or confirmation of said payments within the last two years from them.
09/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11211
Web
The loan serviced by Carrington mortgage service was under covid forbearance from XX/XX/XXXX until XX/XX/XXXX. I was discussing several options of how I might go out from forbearance during XXXX, unfortunately because of covid it was not possible. By the end of XX/XX/XXXX I got a letter from Carrington that my forbearance had reached the maximum and that I should contact them. I called them sometime in the beginning of XXXX and have asked for a typical covid repayment plan, like flex modification option or deferral since the loan is owned by XXXX XXXX Instead I was told that I can not get those covid modification options and that have to order and fill out a full loss mitigation application as well as proving documentation and proof of income etc which is a very difficult task for me since I am self employed. This has brought the situation that I am now at risk of losing this home to foreclosure ''.
06/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46143
Web
Called Carrington Mortgage to apply {$19000.00} to my principal which according to the customer service rep was the max daily amount. I was very clear about principal only wit the rep and his manager. I was told that {$9900.00} was the max daily on their app but they were able to process {$19000.00} with a customer service rep. This was spread over XXXX payments including principal, interest, and escrow. Not the intended purpose whatsoever. Today is day XXXX with no resolution. They have set several target dates to have this resolved and those dates have passed, and it has not been resolved to date. Another payment has been processed ( standard monthly auto withdraw ), so I can only assume this was processed against the current principal balance which is wrong, causing even more confusion. I've contacted customer service 9 times since XX/XX/2022 and get the same result every time. It's in process..
09/29/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 114XX
Web
I had a FHA Mortgage and was doing a Short Sale with XXXX XXXX. My loan number with XXXX XXXX XXXX was XXXX and my loan number with Carrington Mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, NY XXXX. The Real Estate Broker sold the property for {$240000.00} to a cash buyer ready to close but XXXX XXXX XXXX sold the property to Carrington Mortgage for {$680000.00} instead. XXXX XXXX and XXXX XXXX who work at Carrington Mortgage changed the lock on the house and lock the owner out of his house.XXXX XXXX tried to bribe the homeowner by promising to give {$10000.00} to the homeowner if he would sign the deed transfering the house to him.I have the email to prove it. Recently, XXXX XXXX broke into the house and renovated the house and listed the same house for XXXX This house is still owned by XXXX XXXX according to the property record.XXXX XXXX and XXXX XXXX should be arrested today.
05/27/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27278
Web
Carrington Mortgage Services ( carringtonms.com ) is defrauding consumers by not allowing any additional principal or escrow payments on my mortgage account. I contacted them via phone twice ( once in XXXX XXXX and once in XXXX XXXX ) and was given differing stories about why I could not pay additional principal-I was told once that there was an issue with the website and once that because my mortgage was newly purchased from XXXX that processing was still taking place and that I would be able to make additiol payments the following month ( XXXX XXXX XXXX. This did not happen. I sent and email on XXXX XXXX, XXXX and lo and behold I was able to pay additional principal in XXXX XXXX. In XXXX, it went back to no additional payments and again in XXXX, and now for my XXXX payment again. I know that additional principal payments decreases the amount of profit for the company for the mortgage and this is fraud.
11/01/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48313
Web
I ca n't get Carrington Mortgage to correct an erroneous escrow analysis. My first contact/request for correction was XXXX/XXXX/XXXX. CMS Customer Service submitted my request to Escrow Dept. and immediately cancelled it. Then I called them for a status on XXXX/XXXX/XXXX and CMS Customer Service had to submit it again. This time, instead of submitting to Escrow Dept. as an escalation, they just placed it into a regular queue. I called again on XX/XX/XXXX and still they had not started on it. I was transferred to their property tax vendor who said the Escrow Dept. would need until XX/XX/XXXX ( Saturday! ) to complete it. I called again on XX/XX/XXXX and still it was n't completed. I 'm angry and frustrated because they are increasing my payment by {$300.00} a month based on an erroneous property tax projection. Please help me. This happened to me in XX/XX/XXXX and it 's the same nightmare all over again!
09/21/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92584
Web
URGENT URGENT SALE DATE WRONGFUL AUCTION OF HOME XXXX/XXXX/16 - Just found out today! We received an FHA-HAMP modification as of XXXX 2016. Today, XXXX/XXXX/16 someone came to our door and said that there is an auction for tomorrow. I checked the XXXX and there I found my house to be auctioned on XXXX at XXXX!! This is plain torture! For more than 6 years I have been waiting for a modification, while accruing over $ XXXX due to the fact that I had to wait for the review for over 6 years! I began to request assistance even before I was late. I believe that it has been both XXXX and Carrington Mortgage 's delay and they should do a principal reduction as a result. And now, they want to foreclose and sell my home at auction while I am in a FHA-HAMP Trial Modification! This is preposterous! I need your assistance so that I do not lose my family home. The stress has been insurmountable. PLEASE HELP!
01/08/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • ID
  • 83201
Web
My Mortgage company has pulled a double payment from my account. I called the and they told me I need to go through a process to get the payment back. This makes me late on the rest of my obligations. I made a mistake earlier in the month on my payment and got this resolved through my credit union. I looked at my account on the XXXX of the month and it said my payment was returned because they could not find my account. Also Early this past year I was going to refinance my loan with this company and the loan officer ( XXXX ) told me there would be NO FEES to complete this process. At he end after getting all the documents for Carrrington and was time to complete the refinance the truth came out on all the fees. This lender is very deceitful and I want both problems looked into Please. I have a more problems then anyone needs to go through. Thank you XXXX XXXX. PS I 'm not positive the is a FHA Loan
06/30/2016 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • MD
  • 207XX
Web
I am a XXXX in Maryland. I listed a XXXX home from Carrington MORTGAGE services. I signed a form with Carrington REAL ESTATE services agreeing to pay 35 % referral fee. The listing agreement with Carrington MORTGAGE services had me paying a 1.5 % referral fee to Carrington PROPERTY services. The agreement also stated that the max referral fee would be 1.5 % I assumed I was only paying a 1.5 % referral fee to Carrington. I never noticed they were all different companies they all had the same logos. They never disclosed that they were all different. All you see on there forms is the Carrington logo then in small letters either MORTGAGE PROPERTY REAL ESTATE services depending on who your paying. I think this XXXX a RESPA violation. How many other Realtors work hard for there commission only to find out at the settlement Carrington and all there partnership are getting there money they worked hard for.
10/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • ME
  • 04240
Web
I was not aware that XXXX sold my mortgage to Carrington Mortgage Services in the month of XXXX 2015, until I logged in and found that nothing was working, and none of my loan information was available. I ended up sending an email to XXXX to see what was going on, and they informed me of the mortgage being sold. This was fine, until I went onto Carrington 's online banking site for my Mortgage and found that they had increased my interest rate by one percent. When I called to try and get it resolved, they told me it was my responsibility to fax them the original paperwork for my mortgage with the correct interest rate. I do not feel it is my responsibility to correct this issue, since I never agreed to a higher interest rate and they had made the mistake. I feel like they probably do this to a lot of consumers in hopes that they are not paying attention and will steal more of our hard earned money.
08/01/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • UT
  • 841XX
Web Servicemember
Carrington Mortgage recently purchased my mortgage from another mortgage company. I was never contacted by the company to tell me my mortgage had changed hands. After 30 days they claim they did a vacancy check and charged me XXXX dollars. Why go through the effort of sending a person to my house instead of attempting to contact me by phone, email, or other means? They claim the {$25.00} dollar fee is in my contract. I never signed a contract with Carrington, and the contract I signed with the previous mortgage company does not contain this clause. They have not shown me any evidence that they did a vacancy check, attempting to contact me, or even shown me that I signed the clause assessing the XXXX dollar fee. They've asked me to send a fax ( FAX? ) or write a letter to a XXXX XXXX XXXX This is 2022, why not email or phone call? This is undoubtedly to discourage people from disputing these fees.
06/29/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 236XX
Web Servicemember
CArrington Mortgage services is harrassing us about a mortgage debt we do not owe. This house was sold and closed on XX/XX/XXXX and the title recorded to reflect new owners. The title company paid the amount owed via the closing statement that was good until XX/XX/XXXX. The title company paid them in full. They are now demanding more money, and we do not own this house any longer, nor do we owe any money on this house. They are harrassing us for XXXX dollars stating they will forclose. First we do not own the house, second this debt was orginially discharged in a bankruptcy XX/XX/XXXX and we were not legally responsible for any of the money owed on this house. The title company we used to sell this house got a closing statement from them which I will attach and they paid them the entire amount owed. We again today received a delinquency letter and threat to foreclose on a home WE DO NOT OWN
11/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94553
Web Older American, Servicemember
I have made is the past payments towards my principal. This is in addition to regular mortgage payments Each time Carrington Mortgage services pretends these at all regular payments and charges me as if I was making payments several months in advance. The last time I made a payment of {$4000.00} toward principal, this was five days after I had made a regular mortgage payment. This resulted in interest of {$400.00} plus {$600.00} in escrow. this amounts to an effective interest rate of about 30 % on a XXXX loan. I called them on it and escalated it before they reversed it and applied it towards my principal Today - XX/XX/XXXX they did it again! I paid my regular payment on the XX/XX/XXXX and made an extra payment of {$1000.00} on the first of XX/XX/XXXX. They reacted like I was making a payment for XX/XX/XXXX. The charged me {$95.00} interest for 1 Day! + escrow for next month - Due on XX/XX/XXXX.
12/29/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WA
  • 98370
Web
My Mortgage servicer wrongly reported 2 late payments in XX/XX/XXXX & XX/XX/XXXX. Both claims were actually the mortgage company 's fault so I appealed both charges 3 times. Their response letter agreed with one fault that caused the late payment in XXXX but dismissed the second fault that caused the late payment in XXXX. No adjustments to my credit report were made. They served my address with a foreclosure notice instead. When I inquired of the foreclosure notice, the mortgage company had no record of sending one. I then disputed my uncorrected report with XXXX 3 more times by submitting my evidence of timely payments made and the letter of admission from Mortgage company that caused the first negative remark but XXXX 's solution was to appeal my Mortgage company. All instances involved the mortgage company failing to send notifications of service changes & I have all of the proof necessary.
05/02/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • DC
  • 20020
Web
Initially on XX/XX/XXXX sent documentation to company for modification of my loan all documents requested were sent how ever there was always something more requested each time i would get another person on the phone who would tell me different things every time a document was sent that was requested i was told that it took at least 5 days to verify receipt.on XX/XX/XXXX the modification processed was closed to me for not having certain documents sent eventually spoke with a supervisor who show there error and the remod was reopened on or about XX/XX/XXXX .this same situation continued to occur it seem as though a systematic way to deny me access to even be reviewed for a modification because even this time it never went to under writing for a decision to be made.I have had to file Bankruptcy just to keep my home and this lender has refused my rights to be considered a modification please help.
09/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77706
Web
Dear XXXX, RE : XXXX XXXX XXXX On XX/XX/XXXX we were affected by XXXX XXXX due to 45 inches of rain in 3 days in XXXX XXXX Texas.Not only has the Governor of Texas issued a Emergency Declaration but The President has signed into law an Emergency Declaration and my county fell under this declaration and protection per XXXX. I have a XXXX backed mortgage that is under protection of a 90 day moratorium as indicated by the HUD.gov website on any foreclosure related activity from that date onward until XX/XX/XXXX and possibly further. My loan servicer, Carrington Mortgage Services is aware/notified of the disaster, that my county falls under the declarations scope by XXXX ( XX/XX/XXXX ) and myself ( XX/XX/XXXX ) as well as the 90 day Moratorium. I received a Certified Letter from XXXX. dated XX/XX/XXXX on XX/XX/XXXX threatening foreclosure. Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • HI
  • 96818
Web Servicemember
From XXXX XXXX I engaged in refinancing my mortgage loan to XXXX XXXX XXXX company. My previous lender Carrington Mort. Services is reporting no data payments from XX/XX/XXXX to XX/XX/XXXX this time frame my mortgage was in a forbearance status due to the unforeseen Pandemic period and I was also on a military XXXX. Upon returning from my XXXX I paid almost XXXX to close my forbearance and be current with my mortgage. Carrington took 2 billing cycles to get me out of forbearance, this complicated my refinancing and when ask to provide a payoff quote Carrington drag their feet and cause my closing date to delay with XXXX. This causing a late payment on my Credit report for XX/XX/XXXX. I did pay the payment one day late but at their fault, for not providing payoff on a timely matter which had made the closing on the refinance on time. I tried a couple dispute with XXXX with no success at all.
04/09/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 967XX
Web Servicemember
XXXX XXXX XXXX fraudulently mishandled my existing mortgage by failing to service my Mortgage Modification by intentionally delaying process of up to 3 years, and unethical tactics, therefore breaching mortgage agreement. They did NOT possess my Deed to make such a collection. They later sold debt to Carrington Mortgage who is a Debt Collector. XXXX XXXX assisted me with letters confirming debt to both XXXX XXXX XXXX and Carrington Mortgage. XXXX XXXX XXXX responded with, " needed more information '', could not locate by account number? Carrington Mortgage could NOT produce deed to property and no signed legal document possessing mortgage. I have NO SIGNED LEGAL DOCUMENTS with Carrington Mortgage of this debt. They DO NOT HAVE my DEED to my property. I am under NO OBLIGATION to Carrington Mortgage or XXXX XXXX XXXX who created fraud in 2008, which null and voided any and all obligations.
09/11/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48183
Web
On XX/XX/2018 I received a letter from XXXX XXXX indicating that my mortgage loan had been sold to Carrington Mortgage. When I went online to make a payment to Carrington Mortgage, I noticed that they charge a {$5.00} online fee for me making a payment to them! Why do I have to pay to pay them when XXXX XXXXXXXX and previous to that XXXX XXXX did not charge? This is insane to me, how can a mortgage company sell my loan to another company with fees like this? I understand loans can be sold but I feel victimized and helpless about this additional {$60.00} I have to pay per year! I am trying to pay off a huge loan, not make it worse. This feels like it should be illegal, what if the next company that it's sold to charges {$10.00} to make payments? Do i really need to go back to mailing payments? I have to pay it no matter what fee they charge at their discretion, and I never agreed to this!
07/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 34609
Web
On XX/XX/2018 I was notified by my Home insurance company that my home insurance premium of {$1600.00} has not been paid. After contacting my agent and calling the mortgage services : Carrington Mortgage Services, I request research on tracking the payment. Carrngton expressed that their system does not identify on the check a reference to my insurance policy nor does it list me name. They stated they send the check with a reference paper. XXXX XXXX, my homeowner insurance company, stated they returned the check to Carrington due to lack of reference on the check on application of the funds. Carrington denied receiving these funds back from XXXX. My policy lapsed as of XX/XX/2018 and he lack of response from Carrington shows they are not concerned with rectifying the matter. I spoke with a manager named XXXX from Carrington Mortgage services who identified herself as a Manager with the firm.
02/09/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CO
  • 809XX
Web Servicemember
THIS IS NOT A DUPLICATE!!!!!!! My complaint submitted XX/XX/23 COMPLAINT ID XXXX has STILL not been resolved. I have been asking for a single point of contact for literal years and have yet to be assigned one. Please give me the name and contact information of my single point of contact! Both Colorado ( CRS 38-38-103.1. Single point of contact ) and federal code ( Civil Code 2923.7 ) mandate that servicers promptly assign a XXXX to the borrowers seeking mortgage modification assistance. Carrington Mortgage LLC has been the servicer on my mortgage for three years, I have submitted countless hardship packets and have been stonewalled and received no response and misinformation from the assorted people that answer the phone in the call center. Please hold this company accountable and make sure that they have met their obligation to assign a single point of contact BEFORE closing the complaint.
11/12/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • VA
  • 23321
Web
My brother and I inherited a home with a VA mortgage. XXXX XXXX XXXX advised that the loan had been sold to Carrington Mortgage Services LLC. I contacted Carrington to get requirements for assuming and or paying off the loan. Each time I have contacted the company I have been provided different requirements. Documents have been provided to Carrington showing that the mortgagee, XXXX XXXX, is deceased and that I, XXXX XXXX, am a declared heir. I have requested that the requirements be provided in writing. I have been told the information will be mailed and emailed to me. I have not received any written correspondence from Carrington. Additionally when I call the servicing associates refuse to review the documents received to determine if they have the required information. When I ask to speak to a supervisor I am told that a supervisor is not available. The Carrington loan number is XXXX.
05/03/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75052
Web Servicemember
My mortgage was transfered from XXXX XXXX XXXX effective XX/XX/2015. I did not recieve notification of my account being transfered until 7 days prior to my due date. That is against CFPB guidelines. I made my XX/XX/XXXX and XX/XX/XXXX payment online. For whatever reason something happened on there system and the payments did not come out. I have asked to speak to a manager every month since XX/XX/XXXX, I have yet to speak to anyone in management, nor has one called me back. Nobody has tried to assist me, nor have they provided me with my request of the written notes on my account. Every represenative that I have spoken with is rude, they talk over me and always refuse to allow me to speak to managment. I have yet to speak to anyone in managment nor has anyone called me back. I want all my calls to be listened to and I want this to be rectified or I will be seeking Attorney representation.
09/25/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10023
Web
Carrington Mortgage Services , LLC falsely reported our loan as delinquent to the credit reporting agencies for my spouse and myself, which is showing up as a major derogatory mark on our credit reports. In XX/XX/2022 we were offered general terms of a Mortgage Modification from XXXX with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/2022 and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. Carrington is saying they never received the paperwork from XXXX ; XXXX is saying they sent everything. We are NOT DELINQUENT, rather XXXX and/or Carrington are delinquenXXXX, yet we are the ones now suffering the consequences of this both of our credit ratings have decreased by over XXXX points, we are receiving demands of payment from our credit cards, and our interest has increased.
05/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • DC
  • 20018
Web Older American
In XXXX , Carrington Mortgage modified my loan without my approval and/or knowledge. I recently learned of their actions during a refinancing of the loan with another lender. When I 've talked with Carrington about this issue, they seem not to know much about it, never theless it appears on my credit report as a loan modification. The documents that I will upload indicate that I never signed-off on the modification. During this period, this property was a rental property, and was occupied by tenants that I leased to for approximately 10 years ( XXXX ). Further, the mortgage was not late, i.e, I was not having difficulty paying the mortgage and did not need a modification. I 'm not certain about what can be done, but I 'd like help in unraveling this matter and getting to the bottom of why the modification, and why without my knowledge and involvement. Your help is appreciated.
01/14/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NC
  • 28540
Web Older American, Servicemember
I have an open complaint with XXXX XXXX. Since I filed this complaint against them I received a letter informing me they found my lost payment and applied it to my account. That was dated XX/XX/XXXX. Today. XX/XX/XXXX I receive a mortgage statement informing me that the amount due is now {$5000.00}. XXXX mortgage payments are missing. All of which have been paid. They are going to charge me late fees on money I do not owe and continue to ruin my credit with this unethical loosing of payments or applying them to the wrong accounts as they like to claim. How are they allowed to continue servicing mortgages when they rob us blind, ruin our credit and then threaten us with delinquency notices and more. How? I am so angry I am shaking. The stress caused by this company us affecting my health..please do something about them and help me get them to fix my mortgage. Who else do I need to contac
09/25/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10023
Web
Carrington Mortgage Services , LLC falsely reported our loan as delinquent to the credit reporting agencies for my spouse and myself, which is showing up as a major derogatory mark on our credit reports. In XX/XX/2022 we were offered general terms of a Mortgage Modification from XXXX with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/2022 and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. Carrington is saying they never received the paperwork from XXXX ; XXXX is saying they sent everything. We are NOT DELINQUENT, rather XXXX and/or Carrington are delinquent, yet we are the ones now suffering the consequences of this both of our credit ratings have decreased by over XXXX points, we are receiving demands of payment from our credit cards, and our interest has increased.
03/21/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 45005
Web
On XX/XX/19 I made a payment of {$800.00}. This was above the contractual payment amount but did not bring the loan current. The mortgage company was already holding XXXX which left roughly XXXX to bring the loan to a current status. On XX/XX/19 I was notified by XXXX that the payment had been cancelled by the recipient. I called the mortgage company about sending the payment back and was advised to send {$1800.00}. I told them it would be wired XX/XX/19. On XX/XX/19 I called to verify receipt and was told the loan was active in foreclosure, that it had been placed in foreclosure XX/XX/19. I asked why they didnt apply my contractual payment, per CFPB guidlines under RESPA and was told they didnt have to. They have since sent back the {$1800.00} and are still holding the XXXX, but are now charging me over {$7500.00} to avoid the foreclosure when my balance is XXXX with the XXXX payment
10/05/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NY
  • 02132
Web
Carrington Mortgage Services denied a loan modification request on XXXX/XXXX/15. We have since submitted an appeal along with supporting documents to substantiate additional income by requesting a review of the file XXXX loan # XXXX XXXX. After many phone calls they finally admitted they were in receipt of the documents as of XXXX/XXXX/15. We were told that the review will take up to 30 days. XXXX/XXXX/15 came and went, no word from Carrington Mortgage Services. Many calls later, we are hearing conflicting statements from their representatives. Promises of phone calls for an explanation for the outcome of their review produced only nothing. I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, MA XXXX, am appealing to the Consumer financial protection bureau to look into this matter. It seems that Carrington Mortgage Services is acting in reckless, deceitfull and unprofessional way XXXX.
12/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30058
Web Older American
I have been with Carrington Mortgage for 17 years. I have taken out loan modifications because of hardship. The time I did the loan modifications it took them 6months and that put me in a position that I could not afford to pay. Therefore, my back was against the wall. However, when I did a loan modification with XXXX they were able to get it resolved in 2 months. I had to take a high interest adjustment and they knew what they were doing. Now, I can understand why they are getting sued, because they do take advantage of hardship with Consumers as myself. I was done wrong and would like to get justified by Carrington wrong doing I can be reach at XXXX XXXX XXXX XXXX. I would like to see if of the Consumers that was mislead you be paid. Carrington is a dishonest company and I hope you can assist all those Consumers who lost their homes and still struggling to pay their loans Thank you
04/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web
Hi, on XX/XX/2018, I received a letter from Carrington mortgage services llc, ( Letter attached ) on the letter says that they will automatically will increase the mortgage payment based on " MY DOCUMENTS AND LAW '', and I want Carrington answer the following questions : 1.-What documents and law they talking about on their letter? 2.- Why they want to automatically increase the mortgage payment without notice? And the most important. 3.- Does Carrington mortgage services llc already read the CONTRACT I signed the loan at XXXX XXXX and XXXX County ? 4.- What part of the contract they don't understand? 5.- Does Carrington want to apply their own rules on this mortgage? 6.- Why they want to withdraw money from my account without notice? I want Carrington to answer these question to me, and to the CONSUMER FINANCIAL PROTECTION BUREAU THERE IS A CONTRACT, and they need to read it.
01/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • GA
  • 30350
Web
Hello, on XX/XX/XXXX I contacted Carrington Mortgage to refi my house, during the refi process it came to light that XXXX XXXX XXXX had put a note for {$45000.00} in the back of my loan when I did a modification with them in XXXX. My mortgage balance prior to the refi was {$150000.00}. The loan officer told me that I needed to add the {$45000.00} Note ( from XXXX ) back to the loan, or else it would cause me problems in the future and I will never be able to do a refi or sell my house. I felt pressure in doing so, this made my mortgage payment go up from {$1000.00} to {$1200.00}, which is a large increase for me. Now XXXX county has increase my taxes and my escrow is short {$1900.00}, my mortgage payment is now {$1500.00} this is a {$510.00} increase! I am very concern that I will no longer be able to afford my home. I feel like I was pressured in this refi, and very angry about it.
02/11/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 79905
Web
Dear Carrington Mortgage, I am writing to you on behalf of XXXX XXXX concerning the matter of a check sent to Carrington mortgage in the amount of {$2400.00} issued to your company by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to cover the mortgage payments and late fees associated with loan number XXXX. XXXX XXXX has inquired about the grant money with the XXXX XXXXXXXX XXXX XXXX representatives, and they have the same information that XXXX retrieved. Carrington Mortgage received the amount of {$2400.00} on XX/XX/2022. XXXX XXXX requests an explanation as to where her Grant money is. We kindly ask that you provide a full explanation and supporting documentation regarding this matter. We would also appreciate a prompt response on this matter that XXXX XXXX finds urgent. Thank You, XXXX XXXX XXXX XXXX ( Authorized in The Carrington Mortgage Portal to act on behalf of XXXX XXXX XXXX
08/31/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • GA
  • 317XX
Web
Carrington is currently my mortgage servicer and owns my loan. ( Note : my husband died in XXXX, and his probate is currently active, the administrator failed to perform any duties assigned such as managing the estate and paying debts an i believe she is the cause of default. ) The admin. took possession and changed all locks etc. In XXXX. I paid till XXXX. The loan now is in default I submitted an application for a va loss mitigation to Carrington with a stay from forclosure until XXXX XXXX. During this mitigation carrington sent me letter stating the sold my loan to XXXX a sevicing comp. that provide legal services usually pertaing to Estates. Now, the admin is suing me for receivership and her probate attorney was just substistituted with a lawyer from XXXX!! I am in loss mitigation! How is this not FRAUD!! Please forward a copy to all other departments this complaint covers.
11/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30066
Web
I currently have a Mortgage with Carrington Mortgage ( CM ). The Loan has an Escrow account for the Taxes & Insurance. The County I reside in no longer requires I pay the School Tax after I turn XXXX. I will be XXXX this XX/XX/XXXX. Therefore, the XXXXchool Tax will no longer be required to be paid in XXXX. I have forwarded a letter to CM from the County Tax Commissioner stating that I will be exempt from the School Tax in XXXX. CM is aware of this, yet refuses to lower my monthly Escrow collection accordingly. Why is CM allowed to collect the additional funds from me when they have been notified that the funds are no longer required to be collected? I, as a Senior Citizen, can use the approx. {$96.00} per month better than CM can. Please help me with this issue. CM is a Large Corporation and I am just one Man. I do n't know who else to turn to for help except you. Please help me.
12/28/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • WI
  • 53224
Web
Carrington Mortgage reported us late paying our mortgage in XX/XX/2015 and it was never late. By showing us as late has us " negative '' standing on all three of our credit reports! Somehow our taxes from 2015 were escrowed and added to our Mortgage and we were not aware of it and called many times asking why our payment was higher and finally got an answer about a month later but our regular payment for XXXX was paid to them on Time!! They held our payment until they received the correct amount that they say was owed due to the taxes being added without our knowledge!! This is not our fault and our taxes were never to be paid and escrowed, and this has n't ever happened in the 11 years we have had Carrington!! If you look at my credit report it will speak for itself! You will see we have never in life been late paying a mortgage and that has been almost 30 years as a homeowner.
04/06/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92553
Web
i received a letter on XXXX XXXX 2016 stating that my property will be sold at auction on XXXX XXXX 2016. i contacted the mortgage company and was advised to submit a modification packet. i submitted the package on XXXX XXXX i called in to verify that it was received and it was. i was also told that the sale was being put on hold. On XXXX XXXX 2016 i was contacted by an agent stating that my home had been sold and she was representing the new owners. I called the bank and was told that the sale should have not happened and the sale would be re-sended. Not to worry that the property was still mine and i was being under review to see if i qualified for the modification loan. on XXXX/XXXX/16 when i called to get status of the process i was notified that they will not be re-sending and the sale would go-thru.I have been served with an eviction notice to appear on court XXXX/XXXX/16.
09/14/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 121XX
Web
I originally had a fixed rate HUD loan through the XXXX XXXX XXXX. It was sold to Carrington Mortgage a few months ago. After a few months of their ownership the loan was increased by XXXX per month with no legitimate reason. The reason I say this is, I was given an explaination by one of Carringtons employees. When I went to my municipalities Clerks office as well as the Assessors office what they told me did not match what Carringtons employee told me. According to Carrington, there was a new educational building being built and there was new assesments on our properties. That is not the case the City official verified that. So somewhere there is a mistake or something is not right with this company. This needs to be looked into. How often are they doing this type of thing to homeowners? I have attempted to get further detailed information but I have n't received anything yet.
02/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 606XX
Web
I submitted a change to my AUTO DRAFT AUTHORIZATION to Carrington Mortgage that took them 96 days to process and put in place ( submitted XXXX/XXXX/2015 ). Because of Carrington 's failure and negligence to process the auto draft authorization request in a timely manner ( 45 days as stated in their form ) the XXXX 2015 payment was drafted late and is effecting my credit. I have sent several requests in writing to Carrington Mortgage and have been getting the run around from them. First Carrington responded with a letter saying that the request required a TRUE Signature. I submitted the request again with a TRUE signature and received a response that the signature did not match what they have on file? I again submitted my request and never heard back from anyone. I do n't know who 's signature they claim to have on file that does n't match mine? This practice is not acceptable!
11/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 086XX
Web Servicemember
XXXX XXXX XXXX, IM FORWARDING A SECOND ATTACHMENT TO THE PREVIOUSLY COMPLAINT ABOUT CARRINGTON MORTGAGE SERVICES , LLC ' AS I REVIEW MY INSURANCE PAYMENT TO XXXX XXXX, I FOUND THAT XXXX GENERATE ME A CHECK FOR {$890.00}, BEFORE CARRINGTON MORT.TOOK OVER MY MORTGAGE, AND LIKE ALL WAY I THOUGHT THAT {$890.00} WAS FOR ME, BUT I FIND LATER THAT WAS MY ESCROW ACCOUNT THAT WAS FOR MY ESCROW THAT WAS FOR XXXX XXXX XXXX AND THEN GIVING TO THE NEW OWNER OF MY MORTGAGE CARRINGTON MORTGAE SERVICES, LLC, THEIR WAS NOTHING NEFARIOUS ABOUT WHAT HAPPEN TO THAT {$890.00} CHECK, WHEN THE CHECK WAS SENT TO ME IT HAD NO STRINGS ATTACH. I WANT TO KNOW IF XXXX XXXX XXXX SAY I DO NOT OLD THEM MONEY, AND XXXX XXXX DO NOT SAT I OLD THEM MONEY, WERE DID CARRINGTON MORTGAGE GET THIS {$2500.00} AND I OLD ONLY {$890.00} WERE DID THEY GET THIS FOOTBALL NUMBER FROM. COMPLALAINT ID XXXX THANK WHOMEVER.
01/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 088XX
Web Older American
Carrington bought my mortgage from XXXX in the middle of XXXX taking my trial payments to modify my loan. Carrington claimed they didnt receive any paperwork they needed and had a nasty bill collector call and harass that the house was being taken and when would we be out of the house. My daughter called the bank and made a balloon payment to bring it up to date and we are late again. Same man started calling and even called me at XXXX. I am having my daughter cal Carrington directly but I no longer want their debt collectors calling me, only carrington directly. They also had someone come out to do residency verification, the previous people employed by XXXX were more professional, the gentleman in question stepped onto my property without permission, engaged in a verbal dispute with my son-in-law stating that the bank owns the property and he did not have to talk to us.
11/22/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 985XX
Web
My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. Respectfully submitted, XXXX XXXX XXXX
05/17/2021 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AZ
  • 850XX
Web Servicemember
I am a victim of XXXX discrimination in a home appraisal. My home was under valued by at least XXXX and it is due to my race as a homeowner and minority Veteran. My community is brand new ( 3 years old ), there are over XXXX homes here and my neighbor just sold a 1 story for XXXX which is less than what my 2 story was appraised for and I have over XXXX more square living space and 2 extra bedrooms and 2 extra bathrooms, a bigger lot and many upgrades. There are many homes that look identical to mine that are valued at XXXX to XXXX just around the block from me. The appraiser also utilized homes as comparisons outside of my community which is incorrect and should not be done. The value of homes is supposed to be based on your homes community not someone else 's. The 2 other homes listed on my comparison appraisal are over 20 years old in another community, how is that fair?
10/01/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30236
Web Servicemember
I have had issues with Carrington, mortgage ever since my loan was sold to them from XXXX XXXX XXXX. I was never late, upon my husbands illness we decided to do a short sale on the home. We began the paper work in XXXX 2016. Since we are self employed, we sent all the information they requested including an offer on the home. They have continued to request the same documents, ask for things they never requested, ie. signatures on the profit and loss form and so much more. the claim is that hud or FHA is the hold up due to a waterfall process. The home is about to go into foreclosure when it should n't have to with a buyer all lined up. I am at my wits end with this company and will never purchase a home again! I have already made arrangements to move, and the first and second mortgages are about to be four months past due because they are dragging their feet at Carrington.
10/19/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • MI
  • 490XX
Web
I worked out a loan modification with them. It was pay 3 payments on time, then they would put the rest at end of mortgage. I made all three payments. I talked to someone and they said yes you did and they were taking care of the rest thru a program they had. Then I got a call saying they needed my divorce paperwork because som6else might be on my title. Complete lies they told me. I have been divorced over 10 years and he's remarried. I was with another company first, whom I took my loan out with and they never needed that. My name is the only one on the title. Then they said yeah he isn't but still need divorce papers. I'm waiting for it in the mail but in the meantime they are foreclosing on me. I had to redo loan modification again. Waiting on reply. They don't like to tell the truth. One day late and they livk you out of paying even if you have a 10 day grace period.
09/05/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 953XX
Web Servicemember
I did a refi/streamline on my home loan in XXXX, received my payment coupon for XXXX which said 0 due and I will attach this, when I received my payment coupon for XXXX it said that I missed my XXXX payment and now owed a double payment, I called the company and faxed in the payment coupon they had sent me, I also texted my loan officer, they called me a couple of days later and apologized but that that coupon was for the previous loan and not the new one and they were sorry that I did n't get the correct coupon but that the XXXX payment was still showing late and that they could n't change it and that I still owe the double payment, this is affecting my credit and is not fair to me the consumer, the lady from Carrington apologized and said she felt bad but that there was nothing she could do. I followed their payment coupon and now I am being penalized for their mistake
01/02/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NC
  • 28540
Web Older American, Servicemember
Carrington bought my mortgage from XXXX XX/XX/2022. I did not receive a statement from them until XXXX. Every month I mailed my payment to Carrington using the address XXXX provided in their notice. I requested a statement and repeatedly informed them if my address. In the process they misappropriated my XXXX payment. Once I received a statement I called the number on the back to find out why I had late payments due, my account was classified as delinquent and was reported to the credit bureau. I have provided a copy of my bank statement and cancelled check as they requested to clear this up, Every month. They are doing nothing but sending me late notices, delinquent notices and charging me every month for 2 payments. They ignore my every attempt for them to find my payment they cashed. Ruined my credit. I am at my wits end. Someone needs to help me with aweful company.
02/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • XXXXX
Web
Re:XXXX I have contacted Carrington in regards to properly reporting my account and was promised it would be corrected. As of XX/XX/XXXX this has not yet been done with any of the major credit bureaus : A ) I have 3 HARD Inquiries from XXXX done between XX/XX/XXXX and XX/XX/XXXX when only ONE was needed and per Underwriting ( Mr.XXXX ) should have been done.This has had and currently having a deleterious effect on my report. B ) Also, as of XX/XX/XXXX CMS is reporting I am 120-149 days late. This is ludicrous since the account is a brand new Modified Account with final documents just signed off on and I have made every single payment on time per FHA Guidelines and in agreement with CMS. The above two needs to be corrected as soon as possible as its putting an undue hardship on me financially, not allowing me to gain credit and significantly harming my credit scores.
10/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75149
Web
We had a family vacation planned for the month of XXXX and XXXX was not working at the time so I filed for financial assistance for the month of XXXX. I filled out the forms and emailed it to Carrington on XX/XX/XXXX and again on XX/XX/XXXX asking for an update. Never heard back so I called them hoping to get an update on XX/XX/XXXX. I got passed around and never got any answers other than being told it was pending. I called back again on the XXXX but the hold time was too long and I was at work so I ended up hanging up. ( The XXXX and XXXX I called from my work phone line so I will not be able to get phone records ). I called back on XX/XX/XXXX and was told I was denied financial assistance on XX/XX/XXXX because they did n't have all the info they needed. I made the payment the same day. The call on the XXXX was from my cell phone so I can get phone records if needed.
09/05/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 95822
Web
XXXX XXXX has double paid on the yearly taxes for our house. We have noticed that Carrington Mortgage Services , LLC did not recognize the payment at all and their still making us pay monthly. We didn't know that we did not have to make the payment and they were gone take it out over a 12 month period. We went to the XXXX Tax Collector and they told us that they sent our payment to Carrington Mortgage Services because their records showed that the taxes had been paid. They should have sent the payment back to XXXX XXXX. They told us that Carrington has our money, but they are saying they never received it. So far XXXX Tax Collector and a lawyer both tract the cashier check to Carrington Mortgage service. Can you help us get our money back from Carrington Mortgage Services. We paid with a cashier check from XXXX XXXX XXXX XXXX check # XXXX for the amount of {$3300.00}.
11/09/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • AL
  • 36575
Web Servicemember
Veteran trying to modify loan, started XX/XX/XXXX, was using XXXX XXXX XXXX benefits but amount is more since goes to school but bank wants EXACT! Have explained and fax and explained and email and still dont listen. Took of school va benefits and used XXXX job pay stubs on XX/XX/XXXX changed the RMA form and faxed and emailed, always an excuse that cant read so emailed. On phone today XX/XX/XXXX for an hour, talk to rep at loss mitigation, then asked for supervisor was rude, so asked for someone higher, explained same information, was rude also, asked for someone higher left me on hold, re emailed again since keep saying fax no good! As a veteran, just trying to save home, this is the worst bank and is harrasment! So will keep complaining till someone will handle this account, veterans have resources but if bank can not read and rude reps something needs to happen!
01/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 180XX
Web
This is regards to my current mortgage. My account was transferred from one company to current company in XX/XX/XXXX. I made my on-time payments to both the companies in XXXX. I also made on-time payments to my current company for XXXX too. Original company did not made my school tax payment in XXXX and new company made the payment and late fees for XXXX school taxes and asking to make that payment again whereas, I have already made my payments on my account. Current company keep taking from my account automatically without my approval and not willing to help to resolve the issue. My current company is also asking to increase my monthly payment as they have made the payment covering XXXX taxes. I am not in a position to make any extra payments which I am not suppose to but they continue to do so. I would appreciate if your department can help me resolve this issue.
11/17/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • GA
  • 30213
Web Servicemember
Carrington Mortgage did not reduce my mortgage payments based on the reduction of my property taxes going down to {$16.00} per year, and they raised my mortgage payment from {$2900.00} to {$3200.00}. They told me that the adjustment would be made in XXXX and that I would receive a refund. Instead, they raised my mortgage payment, closed out the previous case on my property taxes, and opened up a 60-day review of my escrow. I'm requested to pay {$3200.00} for XXXX and XXXX mortgage payments. This issue should have been resolved back in XXXX when they told me the mortgage company performed their yearly review of escrow. The {$300.00} dollar extra they are asking for me to pay could have caused my mortgage payments to go into default if I wasn't able to borrow the money from a family member. In my opinion, the company acted unethically with this process. XXXX XXXX
03/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
I applied for mortgage assistance, and have been told on each call that I am in the decision process. I was even given an extension on the forbearance financial assistance I applied for back in XXXX of 2020. Still having no job due to covid and the need to attend school recertification to gain employment no payment could be made without sacrificing other items needed to get back to status quo. My request was to place the missed payments at the end of the contract, which there is no reason this could not be done. I received a call, no notice, no email, nothing to inform me this might be done and I can appeal the process or the process to appeal the process. They have immediately reported the payments as late making it almost impossible to refinance the property at a reasonable rate. I dont have any documentation to send because all I have received is a phone call.
10/22/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 360XX
Web
Starting XXXX my mortgage payment with Carrington increased to {$1100.00} based on my escrow. I immediately contacted the mortgage company and advised them that my mortgage should not had an increase because there was not an increase in my taxes or insurance. In fact, my insurance had a {$200.00} decrease. I then requested that a new escrow analysis be done. I was told that they needed information from my new insurance carrier, which was promptly provided to them. After learning today, XX/XX/XXXX, that a new escrow will not be done, I considered this unfair to me because now I am paying more money. Had the company run the analysis based on the information provided by the insurance carrier, we will not be here having this conversation. Therefore, I am requesting that company set my payment back to where it originally was when they accepted the loan from XXXX XXXX.
07/21/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 34638
Web Servicemember
on XX/XX/17, we signed papers with XXXX to assist us in getting through a " class action '' with XXXX XXXX XXXX. a rep contacted us, due to our mortgage being with XXXX and said we could hire them to be a part of the action and that we could get the over payments we gave to XXXX applied to our loan and lower our payments. We were given an option to pay off our home or lower the payments, we opted to pay it off. We were given information on a loan company that could help us get a new loan with lower payments. Around the XX/XX/XXXX we were contacted by the loan company and title company stating that the law firm filed fraudulent documents on our title and they couldn't do the new loan. it has been over a year, they have {$4500.00} of our for representation and now we are facing foreclosure and our mortgage company ( Carrington now ), wont help us in a modification.
04/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27217
Web
I got behind on mortage payments. and I sent all information that the mortage company requested and received a repayment plan that I could not afford because they used my fathers income and he does not help or live at this residence. I was told by them Carrington to do a Quit Claim Deed I did so I could submit paper work only for me and I sent them a copy they have on file because I called them to check if received.So now I have received XXXX calls and XXXX letters telling me I have to send in information for my dad even though I did the quit claim deed. I have given these people everything they have asked for.I have a XXXX counselor who has faxed everthing to them. I am not trying to loose my house.Now I was told to fax in a request for a loan assumption package I do n't understand it 's like they do n't care if you have done everything they asked and in time.
04/08/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 752XX
Web
Hi, my case No. XXXX, last month I filed a complaint because Carrington mortgage services llc, increased the monthly payment to $ XXXX/mo, the reason was because the home insurance premium was up, I was paying $ XXXX/mo ( I found the reason about the insurance after they lied to me many times ), so on XX/XX/XXXX, the payment went down to $ XXXX/mo ( attached documents ), and they told me that 's amount I will be paying the rest of the year 2016. Today XX/XX/XXXX, I received a letter saying that they increase the payment again to XXXX/mo, I wonder if they will tell me another excuse and keep increasing the payment every month. On the first complaint I asked to turn the loan back to XXXX XXXX XXXX XXXX, these people are in the state of XXXX, I live in XXXX XXXX, and I 'm XXXX, for me it 's easy to go any XXXX XXXX. I never asked XXXX to turn the loan to Carrington.
04/24/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 20175
Web
My mortgage was transferred from XXXX XXXX XXXX to Carrington LLC for the XXXX XXXX payment. XXXX XXXX XXXX did an escrow analysis XXXX 2015 and made the determination that I was paying too much money so they reduced the XXXX payment. Carrington assumed the loan in XXXX. I never received a statement from Carrington or any information regarding the loan until XXXX XXXX with the new account #. I paid the loan on XXXX XXXX acccording to the statement from XXXX XXXX XXXX. Carrington refused to apply the check to my loan and is holding payment stating that my account is in arreas and I am required to pay the additional escrow amount. When the loan was transferred, Carrington failed to get all the documentation. I confirmed with XXXX XXXX XXXX that Carrington has all the necessary documentation to reflect that the payment was lowered as of the XXXX XXXX statement date.
05/06/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92869
Web Older American, Servicemember
Loan servicing was transferred from XXXX to Carrington Mortgage on XX/XX/XXXX. Loan was boarded into Carrington Loan Servicing on XX/XX/XXXX - I setup an ACH for scheduled monthly mortgage payments, effective XX/XX/XXXX. I also made an online payment with Carrington for the XXXX payment also on XX/XX/XXXX. We have now received two Late Payment Notices from Carrington. Yesterday, my wife called Carrington to get the matter straightened out. They confirmed that I had provided the correct account number and routing number but claimed I did have enough money in my checking account to cover the cost of my mortgage payment. In fact, I have ten times the amount of my mortgage payment in my checking account. So not only are the 100 % wrong in their facts, but I shouldn't even be getting late notices to begin with as I am within the 60-day window from servicing transfer.
01/11/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MN
  • 563XX
Web
I paid Carrington Mortgage Services {$300.00} on XX/XX/XXXX as a principal only payment and made my scheduled payment of {$340.00} on XX/XX/XXXX. They decided to apply the {$300.00} to my scheduled payment. When I made my regular payment on XX/XX/XXXX they put {$300.00} on my principal and put {$46.00} in a suspense account. Then they raised my scheduled payment from {$340.00} to {$390.00} for XX/XX/XXXX. I requested they correct this to the payments I wanted to make, but now when I phone in my last payment is XX/XX/XXXX. Please ask them to apply the payments as I did them online, {$300.00} principal payment on XX/XX/XXXX and my regular payment of {$340.00} on XX/XX/XXXX. Since they did not apply my payments the way I applied them I think another {$300.00} principal reduction at their expense should be applied effective XX/XX/XXXX. Thank you, XXXX XXXX
04/07/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AK
  • 99801
Web Servicemember
This is now my second complaint with Carrington Mortgage services which was XXXX. This complaint was finally addressed and I was made successor in interest. Since that time I've been attempting to assume my mothers loan with Carrington ( XXXX XXXX XXXX # : XXXX ). The last thing we are waiting on is for probate to close in XXXX XXXX so the new title can be issued in accordance with my mother 's will. I've informed Carrington that the delay is with the courts, and I offered to have a letter from our probate lawyer to verify that is indeed the case. It seems that even with a " cloudy title '' as they themselves have described it, they've decided its okay to now start the foreclosure proceedings. Every rep this year has told me something different and at this point I have no clue what I need to do to assume my mother 's loan. Which was over a year ago now as well.
08/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • GA
  • 30045
Web
We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX, XXXX Ga XXXX.This house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open. We have no documents regarding this loan with XXXX, XXXX. We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX XXXX We will told the home was foreclosed on however, this was not the case .Spouses BRC XXXX US FED BRC XXXX DISTRICT OF GA. XXXX XXXX , ACCT NUMB XXXX XXXX FOR YEARS XXXX AND XXXX.
02/15/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ME
  • 040XX
Web Older American
My town changed its property tax due date frequency from four times a year to two times a year. As a result, Carrington mortgage doubled my monthly property tax withdrawal when no change was necessary. Ive spoken to Carrington Mortgage three times about this issue since XX/XX/23 when they first overcharged me. In all conversations Carrington Mortgage acknowledged their mistake and promised to adjust the monthly mortgage payments accordingly. As of XX/XX/23, nothing has been done to correct their mistake. Additionally, I have confirmed with the XXXX of XXXX XXXX that my taxes have not changed. I am concerned Carrington mortgage has every intention of overcharging me again on XX/XX/23. I am requesting that Carrington Mortgage adjust my mortgage payments back to the original amount and refund the excessive withdrawal made on XX/XX/23 plus interest. Thank you.
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 897XX
Web Servicemember
I had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. XXXX will not remove this. I recently completed another dispute with XXXX ( XXXX/XX/XX/XXXX ).
01/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19050
Web
I received a Sewer and Trash bill in XX/XX/2021. I contacted my mortgage company known as XXXX in XX/XX/2021. I advised them of the bill and faxed the bill and other paperwork to them on XX/XX/2021. The bill at that time was {$580.00}. I was advised the bill would be forwarded to the Tax Dept. I received a letter from the Court in XX/XX/2021 that a Lien was placed on my house due to non-payment of sewer and trash fees. Since XXXX of XXXX I have been calling my mortgage company and have gotten nowhere. I've been advised by my mortgage company that a {$850.00} check was sent on XX/XX/XXXX to settle the bill. As of today 's date, my mortgage company has been unable to confirm the check was cashed. I have also received nothing in the mail that the Lien was removed. I would like this resolved since I am tired of calling the mortgage company and getting nowhere,
09/02/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85282
Web
After a XXXX in diagnosis XX/XX/2020 and XXXX there are many bills to pay not just our mortgage. Carrington Mortgage is not helpful at all. Even though I let them know this at the beginning of our situation. They require thousands of dollars to get current and right now we can do payments but they are not willing to work with us to accomplish that. There is money being held in suspense and we just mailed additional money XX/XX/2020. They informed me today that if that money is received they probably will not accept it, that is just down right XXXX. We have spoken to them on several occasions some of the representatives are friendly and caring and want to help and some are downright rude. Telling us our home is in foreclosure, when it really is not ( yet ). We have no where to go to borrow money and no real resources at this point. What to do? We are scared.
04/05/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29649
Web
The following insurance claim checks were mailed - unendorsed - with the appropriate documentation to Carrington. Check 1 : {$2200.00}, dated XXXX/XXXX/XXXX Check 2 : {$1300.00}, dated XXXX/XXXX/XXXX ( {$3600.00} total ) Check 3 : {$9900.00}, dated XXXX/XXXX/XXXX ( {$13000.00} total ) Check 4 : {$2800.00} dated XXXX/XXXX/XXXX ( {$16000.00} total ) Check 5 for {$2500.00}, dated XXXX/XXXX/XXXX, was mailed back unendorsed, stating the claim is over $ XXXX. However, the claim exceeded $ XXXX with the 3rd check two months ago in XX/XX/XXXX. I was not expected to endorse the first XXXX checks ; Carrington endorsed, returned, and I deposited and paid my contractors. I included the estimate, as previously required. But before now, no photographs were previously required ; no contractor bids/estimates were necessary, nor was an Affidavit of Loss Draft Claim needed.
11/05/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 318XX
Web
ii have been in my home since XXXX when i purchased my home i included my taxes insurance and mortgage as one payment so i received notification that my taxes werent being paid from XXXX thru XXXX i had no clue of this my mortgage company told me to contact my tax office get the amount due and they would take care of it which they supposed to have been doing antway so they paid it and now want me to reimburse them thru my escrow i dont understand why all of a sudden this happened from XXXX to XXXX but not XXXX to XXXX its not fair for me to be taken advantage of while im already struggling to do the right thing by paying my mortgage please help me get this resolved carrington mortgage says my escrow is {$5900.00} behind and i owe them that so they went up on my house note byXXXX $ please help get this resolved thru this complaint thank sincereley XXXX XXXX
10/05/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77545
Web Servicemember
My home is being foreclosed and the bank has denied my short sale. We are asking that the foreclosed date be postponed so that we can get the home sold. Carrington Mortgage Services would rather foreclose my home and have a permanent mark on my credit than to have my home sold and a positive spin be added to my credit history. Also, I just received counseling from a HUD Counselor Member and was just told about the XXXX program. I was never given to the option to utilize the Partial Claim. My husband lost his job and has had no income in the last 3 months. For the past year and a half his employment has been below his normal income capability due to conditions XXXX. I have attached a copy of the Residental Contract for the Short Sale which was denied and also the Carrington Mortgage Statement. I would also like to add that my husband is a XXXX XXXX Veteran.
01/10/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60443
Web Servicemember
I closed on my home XX/XX/2018 with a mortgage payment of {$1700.00}, 2 months later I received a notification that my payment would be increasing to {$2400.00} due to the lender making an error on estimating my taxes in which they only calculated half of my tax bill instead of the full year. With that being said, I am now required to make up for their error and am being strong armed/required to make a large payment, which I can not afford. I have XXXX children and my husband is a XXXX veteran therefore we purchased this home expecting a mortgage payment we could afford. I have tried to contact the loan officer and he refuses to call me back and when I call customer service they will not alllw me to escalate the matter to a higher level of management. I am fearful that I will lose my home due to their error and I should not be penalized for such a error.
02/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70124
Web
After Hurricane Ida, my loan was automatically put into forbearance which I did not ask for. When this happened, it made the online payment option unavailable to me. The pay-by-phone method is also not available to me as I am told my loan account number is invalid. This puts an undue burden on me and has made paying my loan extremely difficult. It has also resulted in late payments. I should be able to easily pay my loan online or by using an automated phone system just like every other customer. The only option I have is to call and try to speak to a live person which can take a long time due to high call volumes and hold times. For four months, I have been calling Carrington Mortgage about this and it is still not resolved. I feel like this is a strategy used to make the payment process difficult resulting in late fees. Carrington Mortgage Loan XXXX
03/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89044
Web
- in XX/XX/2020, I called Carrington Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. - they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. - unfortunately, the buyers had to delay the close by 1 week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. - I have called repeated times to Carrington Mortgage and have written to their Claims department but they have rejected my pleas. - I was never afforded a 30 day leeway to resolve this issue. - I have never missed a mortgage payment in 10 years with Carrington Mortgage. - My credit score plummeted and I need to get a loan to pay bills due to Covid19 pandemic. PLEASE HELP!
07/21/2017 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 75081
Web
I have previously filed a complaint against the lender ( XXXX ). The lender took 2 months time to respond. My wife 's chapter XXXX bankruptcy petition has been approved as of XXXX of this month. Nevertheless, Carrington Mortgage ForeClosure Prevention Office in XXXX, TX is sending mails to us and threatening of foreclosure. The property currently have an automatic stay order and an exempt property under Federal Bankruptcy Law ( Chapter XXXX Bankruptcy Case # XXXX ) The lender has not moved the foreclosure auction sale notice from the XXXX District Clerk 's office either, which is causing harassment by number of buyers around the home everyday. Please help us against this illegal foreclosure procedure. The local division of the lender 's office information is below : ForeClosure Prevention Office :XXXX Ref # XXXX Loan # XXXX Sincerely, XXXX XXXX P : XXXX
05/17/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 467XX
Web
I had a mortgage with Carrington Mortgage company since XXXX. They kept telling me my payments were returned when they weren't and when I got XXXX and signed up for the Covid assistance they never once called be to tell me I was denied! They said I should of called them! I was told I was approved and sent a letter stating my forbearance was over and how did I wish to repay the money. I filled out paperwork asking it to be put on end of loan just like they talked me through! They reported me falsely to the credit bureaus the whole time and I had to " according to them take out a 2nd loan which was 2 times what I owed! Then on XX/XX/XXXX I called them to let them know the devastating news that my house burnt down and I lost everything just for them a month later to turn around and sell my loan! I couldn't believe it! I'm asking something please be sone!!
09/14/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 79763
Web
In XXXX of XXXX we called to get help with our mortgage payment as my husband was laid off due to XXXX lay offs he was laid off on XX/XX/XXXX of XXXX the next day my mom passed away and also in XXXX of XXXX my XXXX grandson was XXXX the XXXX XXXX XXXX All was brought to Carrington Mortgage as alot had happened in this three months also my XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX when we spoke to them i thought they were really helping only to find out that the modification was for a year and were gon na be required to pay a ballon pymt of XXXX by XXXX XXXX XXXX since then we have stressed about how we are going to get this money. Carrington saw the equity in my house and are hoping that we would default and they can sell my house and make money. They were never worried about us saving our house. They were looking out for carrington Mortgage not us.
10/31/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • 43147
Web Servicemember
I received a marketing campaign to refinance my property with Carrington Mortgage Services who currently services this loan. I was pre-approved and informed that I must secure an appraisal to close the refinance. Two weeks prior to closing, I was informed that this company does not finance manufactured homes and therefore would not be able to refinance mine. Again, this organization is already servicing this mortgage. The loan XXXX informed me that their data did not indicate that this was a manufactured home and therefore, he did n't know and had he known, he would not have pre-approved my application. Subsequently, they agreed to refund the amount I paid for the appraisal as there would have been no business need for me to purchase the appraisal if they had no intention or ability to refinance the property. I have yet to received the promised funds.
12/05/2016 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • ME
  • 043XX
Web
I co-signed a 30 year mortgage loan with XXXX for a friend in XXXX in the amount of {$170.00}, XXXX. A few years later I signed a quick claim deed because she said if I did not sign the quick claim deed she would default on the loan. She ( without my permission or knowledge ) re modified the loan in XXXX for {$110.00}, XXXX based on her income only because she was unable to make the payments. This modification decreased the amount of the loan XXXX and increased the years of the payment. She has remained delinquent in her payments. In XXXX of XXXX the loan was taken over by Carrington Mortgage Company. She has remained delinquent and to date owes XXXX in overdue payments. I want my name taken off the loan agreement. I have discussed this matter with XXXX XXXX to no avail. I have contacted XXXX and Carrington Mortgage Company with also no resolve.
06/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NY
  • 120XX
Web
I am in forbearance with my federal student loans and my mortgage company based in not having a job because of Covid restrictions. Now that Covid restrictions are easing up I have a part time job and I have interviews for full time jobs. Three of the full time jobs I've applied for will be doing background clearances which include looking into my credit reports. I have been on forbearance with both Carrington Mortgage and XXXX student loans. Both are reporting me to the credit bureau as default. My credit report went from a XXXX down to a XXXX. I'm in default even though I have been and currently still am on forbearance. This issue is going to prevent me from receiving a clearance. I know this because I previously did background clearances for the federal government. Can you please assist me in how to fix this issue? Respectfully, XXXX XXXX
06/30/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • VA
  • 236XX
Web
We have been trying to resolve a mess this mortgage company created. We sold the house in question and it closed XX/XX/XXXX, the mortgage company for some reason sent incorrect figures to the closing agent on a pay off statement, the money was wired to them for the full amount on the pay off statement. They are now demanding more money and neither ourselves or the closing agents were notified of this until I got a delinquency letter in the mail. We have tried to fix this, and they now say we owe XXXX in escrow fees, as well as an additional XXXX in penalties and interest from XX/XX/XXXX to now, XXXX dollars in penalties and interest seems very excessive. I have tried to reach the supervisor they tell me I need to speak to and she is never available and will not return calls. We are about to seek legal action since we can not get resolution from them
04/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 337XX
Web
I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXX was reported as 30 -- 59 days late. Obviously this affected my credit score. I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.
02/08/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75007
Web
I 'm not sure if this is worthy of your time, however it does seem criminal to me. I have been paying my mortgage on a house for over 20 years. I have n't minded that it has been sold many times during that time. It was brought to my attention that I had a late charge by my wifeon my last statement after a change of mortgage company 's. I called to ask about it since I have never been late on a payment. I was told that it was not a late charge but a escrow estimate charge that they had done when acquiring the mortgage. I ask why they passed this fee on to me and they said it was their policy and that 's just the way they do business. Here is my question. Why am I being charged from a company that 's profiting from a purchase they made, and how many others are being fleeced thinking they have a late fee. The company is Carrington Mortgage Services.
10/06/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 43035
Web
I have sold my home and paid off my loan with Carrington in 2020. I need my past escrow statements but they are not sending them to me. The past 4 days I have been calling them, talking to a Customer Servis representative and each time they tell me it will be faxed in one hour. I need those documents NOW. Just today I talked to a supervisor who promised their delivery, ASAP. 5.5 hours later, I still dont have them. This is a company that should not service people, because they are not capable. Theyd tell you what you want to hear, just to get rid of you. They dont have the digital technology in place either. Representatives are not able to pull data/documents, another department has to dig them out. As if they are still living in the 19th century and information technology has just been invented. I want my documents, that belong to me. Urgently!
09/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75081
Web
We are paying our mortgage on the last day of the month due to income impacts of Covid. I went through Carrington 's payment system before XXXX the same way that I do every month and submitted my payment. I have never had an issue and always get an email confirmation the next day. On XX/XX/XXXX, I received an automated phone call that I hadn't paid the bill. I called immediately and talked to them. They didn't show a record of the payment. I immediately submitted the payment again, and confirmed that the associate received it. I have proof that I was on the payment pages ( XXXX timestamps my activity ) and proof that the funds were available, but Carrington refused to even take it. They are reporting me late on my credit. I haven't had a late on a credit in 15 years. They had some sort of issue with their system and messed up my payment.
03/03/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • CA
  • 91307
Web Older American
I have a HECM Reverse Mortgage. Company who serviced ( XXXX ) declared bankruptcy and was taken over by Carrington Mortgage. My house flooded XX/XX/XXXX and we were in a hotel for months and are now in a house. My insurance company has issued checks to pay for the repairs so we can move home. ( By the way, my husband is XXXX and in a XXXX ) The insurance company has given me until XX/XX/XXXX to vacate the temporary housing and move BUT SINCE CARRINGTON HAS REPEATEDLY, FOR MONTHS, TOLD ME THE CHECK IS IN THE MAIL, AND IT HAS NOT BEEN, I AM SCARED TO DEATH MY FAMILY WILL HAVE NO WHERE TO LIVE since I have not received XXXX XXXX of the XXXX they are sitting on. I have been told I would receive calls ( more than one ) back from management, but NO ONE has EVER called. Nothing but dead air and speaking with a call center employee reading from a script.
10/24/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20744
Web
XXXX XXXX XXXXXXXX ( XXXX ) transferred my loan to Carrington Mortgage XX/XX/2018 ; however, when I contacted Carrington the new mortgage company to inquire about the increase in my mortgage payment. I was told XXXX didnt transfer any loan documents to them and if I had a dispute I had to provide them with documents to support my claim. I disagree with their response. Carrington should have my mortgage history along with the deed of trust if Im responsible to make monthly mortgage payment to Carrington. I want to have legal documentation that the loan transfer is valid and they are the new lien holder of my mortgage. My loan has increased {$200.00} more than the original loan agreement. I struggled with the original loan amount ; therefore this increase is burdensome and unreasonable. Any assistance is greatly appreciated. XXXX ( XXXX ) XXXX
03/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • XXXXX
Web
back in XXXX i refinanced my mortg with a company by the name of XXXX. this lasted about a year and i received a letter from XXXX saying they had bought my loan. this is also where the problems started. XXXX said i was deliquent from XXXX so i confrounted XXXX and finally thought the problem was solved. next about XXXX i received another letter from carrington mortg sayiny they had purchased my loan from XXXX. in XXXX i requested a payoff on my mortg and was told i was XXXX in arrears and a escrow bal of XXXX in the hole. i contacted carrington and was told i was preforeclosure unless i paid the deliquent amt. i researched my pmts with date ck number and amts and have forwarded this to XXXX and carrington. i am awaiting their response. this happened several months ago. sounds like i have been involved with predatory lendors. can you help. thanks
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20705
Web
CARRINGTON MORTGAGE SERVICES claims a late payment was made ... I have never been late to my knowledge ; I previously disputed this inn-accuracy, and was unhappy with the results. As a result, I demanded proof of investigation, bank statements, and records of ALL payments made, and missed ; and as of today still have not received proper documentation to convince me of claim made to support reporting a delinquency in the account. 15 U.S. 1666 ( A ) ( 2 ) ( B ) " creditor may not report to any third party that the amount of obligor is delinquent, because the obligor has failed to pay an amount which he has indicated ... unless creditor notifies the obligor of the name, address, and amount of each party to whom creditor is reporting information concerning the delinquency. '' which CARRINGTON MORTGAGE SERVICES has failed to do as the law requires.
07/14/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • AZ
  • 85015
Web Servicemember
I have submitted my mortgage payment for XX/XX/2020 twice to the mortgage lender, Carrington Mortgage LLC for VA XXXX XXXX, and twice, the lender rejected the payment. The second payment was a teller check sent via XXXX, tracking XXXX. XXXX. Carrington rejected the payment and sent it back via regular mail without any form of tracking on XXXX XX/XX/2020 to XXXX. As of today, XXXX has confirmed that they have not received the returned check. XXXX can not cancel the check until after 90 days from date of issuance. Carrington now has notified me of an intent to foreclose my property despite my attempts to pay my mortgage. They are demanding a payment that I have already made twice and can not issue another check since the returned check is not in the possession of XXXX or myself. I spoke to the VA and was advised to file a payment complain here.
05/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 749XX
Web
due to the covid-19 i field with my mortgage company forbearance starting in XX/XX/XXXX as i understand under the cares act they where not to report late or delinquencies. they did report from XX/XX/XXXX to XX/XX/XXXX as delinquent. i called ti fix it on XX/XX/XXXX they said they could not. during the forbearance i made what payments i could, when it ran out they had me file a modification loan. i was told that my interest would drop to around 2 %. it took months and during that time was told to hold off on making payments until the paper work was done. when i received my paper work they did not lower my interest rate it stayed the same the just but what i owed to the back of loan. they did not do what they said they where going to do. i just want all the late and delinquents off. credit report showed - 49 % from them Carrington mortgage
07/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70056
Web
I went on furlough from the state of Louisiana XXXX XXXX XXXX XXXX in XXXX XXXX, La on XX/XX/2020. I completed my modification of {$910.00} on XX/XX/2020. My new modification became {$900.00} which is not much different ( XXXX ). I asked for assistance in XXXX and was told I " had to complete my loan modification trial period. '' I struggled to make the payments esp being on furlough. After I completed my last modification payment I called and asked for assistance. Carrington took my application. Mailed me a letter stating I was granted 60 days. A payment of XXXX ( my new mod amount ) I received a phone a WEEK later call from the mortgage company, tell me my I was granted 60 days. Ok, I paid THIS month so XXXX {$900.00}, therefore, XXXX and XXXX have been forbearance? No stated the rep. Effective date XX/XX/XXXX! Pretty I get a month break.
07/06/2017 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WA
  • 98168
Web
These people keep leaving written notices on my door to contact the Mortgage company ( Carrington Mortgage Services ) regarding another borrower 's mortgage ( XXXX XXXX ). XXXX XXXX lived in the condo directly beneath me in my building.

I have contacted these people by phone three times now asking them to stop embarrassing me with these notices since the unit I live in was purchased with cash by the XXXX XXXX XXXX and there is no mortgage. I have explained to them each time that the unit in question is the unit directly below mine. The phone number on the notice is XXXX I just received another notice today. I receive one of these embarrassing notices taped to my door every few weeks.

Please understand that since this is someone else 's debt ( entirely unrelated to me ), I am unable to provide account information, amount owing, etc.

07/05/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 63111
Web Servicemember
{$860.00} has been paid to Carrington Mortgage LLC since they took over my mortgage from XXXX XXXX XXXX. They have taken more money than what is required for the monthly payments yet it does not reflect the payment amount made on Carrington 's website. The principal has increased on the house for no reason and when I asked XXXX XXXX for an inquiry, Carrington mortgage refused to comply with credit karma and the account of Carrington Mortgage was removed and they no longer report on my credit report. But what is the most concerning issue is the raising of the principal on house, it is not an accounting error, is it a deliberate act of hiding the payment, the amount and the transaction.

I have records of every payment thru XXXX XXXX, please contact me or XXXX and I will release that information as necessary.

Thank you, XXXX XXXX XXXX

06/09/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NC
  • 27217
Web
I had gotten behind on my mortage my dad was originally on the mortage note so i applied for a modification and had to do a quit claim deed on my father to get him off of the note so only my income would be used fro the modifcation because with my dads income it was to much to pay. We did the quit claim deed on my dad and them i was approved for the 3 month trial plam for the modification and this is my third month but i received a phone call asking why did i take my dad off of the note so now they are telling me before they can do a final modification i have to do another quit claim deed to put him back on and i can not pay the payment until that is done. I even spoke with my credit counselor and he said that makes no sense to him. the mortage company is saying that the papers have to be the way they were when i first closed on the house.
06/18/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 347XX
Web Older American
My Mortgage Company Carrington has issues with HELPING THE CUSTOMER I was under protection of negative reporting or foreclosure the company waited till protection was lifted to procede to report negatively even though I immediately asked for HELP to bring account current by means of Mitigation I am approved no one could clearly tell me why a COVID-19 plan I was affected by a DISASTER me the customers have been also affected by Data Breach amount to pay back is different on bureaus payments have begun but are reported late where is the HELP perhaps BANKRUPTCY was a better plan since the company has Damned Condemned us me and XXXX our credit was perfect till this inscruples mortgage company before I was affected by a Disaster I attempted to request for help and got nowhere didn't matter what we needed Help us FIX the BAD INFO on all bureaus
03/27/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MO
  • 65202
Web
During the refinance process, loan officer XXXX XXXX of Carrington Mortgage fraudulently misrepresented ( in writing and then verbally ) that my FHA Partial Claim XXXX : 1 ) in writing : that the claim would be paid as a result of my refinance ; then, subsequent to me accepting that offer in writing, 2 ) verbally by phone on or about XX/XX/XXXX : that the FHA partial claim would not be due. Carrington was able to negotiate with the partial claim servicer to keep the partial claim so that it would not come due until the end of the new loan. The conversation occurred after I pointed out the Closing Disclosure did not reflect the FHA Partial Claim payment as requested. That's when XXXX called and when I returned his call he told me the great news, that the partial claim wouldn't be due. I have a copy of email correspondence from XXXX XXXX
02/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30014
Web
Carrington Mortgage has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the XXXX that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. Thank you XXXX XXXX
08/30/2023 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • Delays with the closing process
  • MD
  • 20770
Web
My father died unexpectedly in XX/XX/XXXX. I went through the XXXX XXXX XXXX XXXX XXXX court system to establish his estate which includes a condo he owns located in XXXX XXXX XXXX. I have a pending sales contract with a buyer. The title attorney sent over a written request for a payoff quote on XX/XX/XXXX to Carrington Mortgage Services LLC in which they were denied 2 weeks later. I submitted the death certificate and the letter of administration and requested a payoff quote on XXXX. I have called daily. The customer service reps continually provide poor customer service and gave me the run around. I have even ask to talk to a supervisor no useful information provided. This is a simple and common request to receive a payoff quote which validates 1 ) IF a loan exist 2 ) IF a balance exist so it can be paid off during the property sale ).
05/19/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 60153
Web
I have an FHA loan. My lender has refused to work with me so that I can save my home. I have a monthly mortgage payment which is XXXX % of my income. I have an XXXX-year-old XXXX living with me who gets XXXX and I have my wife and our XXXX children living with us and our grandson. I have repeatedly tried to work out this situation with the lender. Turning in several modification packets that were denied before the deadline for turning in the packet. Then at the last minute ( 3 weeks before the sale date ) we were sent a modification packet ( XX/XX/XXXX ) that we were suppose to have a 30 day period to turn in. We turned it in on XXXX XXXX, 2016 before the 30-day period was over and then called and found out that they denied us and said we were too late getting it in. My house is scheduled to be foreclosed on XXXX XXXX, 2016. Please help.
03/24/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75071
Web
Carrington Mortgage Services Call on XX/XX/XXXX to report error of curtailment. Told 3-5 business days Call on XX/XX/XXXX to determine why curtailment was NOT fixed. Told it was actually 15 business days and that XX/XX/XXXX, it would be fixed Call on XX/XX/XXXX, to determine why it was still not fixed. Was told the VP had not approved it yet. I asked to speak to a manager. Was left on hold for over 30 minutes with no answer. Date account was in forbearance : XX/XX/XXXX Normal Monthly payment during the forbearance : {$1100.00} Total amount due at end of forbearance : {$13000.00} Total amount paid : {$13000.00} Amount overpaid : ( {$21.00} ) XX/XX/XXXX Curtailment {$1000.00} applied by Carrington Mortgage in Error XX/XX/XXXX Payment of {$76.00} ( amount told needed to bring the account current ) Amount not properly applied : {$1100.00}
01/15/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 310XX
Web
Carrington Mortgage bought out my home loan. My mortgage payment is {$500.00} per month plus {$200.00} for escrow. When I called in to set up a payment to pay my mortgage on XXXX XXXX, 2016 a Carrington representative stated to me that every 30 days that if the mortgage is not paid, that the send someone to ride by the property to make sure that the property is still occupied and that this fee is {$460.00}. This unnecessary fee is like I 'm making double the payment. This can not be legal. What ever happened to late fee after 30 days. I am requesting that this matter be investigated because this company is ripping consumers off!!!! My loan number is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. You may contact me at XXXX. My name is XXXX XXXX and my husband 's name is XXXX XXXX. You may contact me at any time. Thanks! Sincerely, XXXX XXXX
02/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28546
Web Servicemember
My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. To whom this may concern, I went to check my credit report and I noticed that CARRINGTON MORTGAGE SERV has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current sinceXX/XX/XXXX We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current onXX/XX/XXXXmonth with a check mark and current. Thank you for your time and have a wonderful day.
04/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
Web
Carrington Mortgage Services ( CMS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Carrington has countered the buyers offer to $ XXXX. They have not done an interior value done on the property. They are simply averaging the XXXX, XXXX, and XXXX estimates online. XXXX shows value at $ XXXX and XXXX shows it at $ XXXX THE ENTIRE REAL ESTATE INDUSTRY KNOWS THESE VALUES ARE NOT RELIABLE. Additionally, after several discussions with XXXX XXXX and the rest of Carrington and reminding them that we, RE XXXX XXXX is the primary contact and authorized negotiator chosen by their borrower, they are still refusing to contact us to discuss the short sale. Carrington has not done their due diligence in their valuation review. I want an interior value done and I want the foreclosure date postponed to allow for the short sale review.
09/01/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Confusing or misleading advertising or marketing
  • CO
  • 80221
Web Older American
I have been experiencing XXXX XXXX XXXX for most of his life and this gentleman who seemed very nice Ave caring informed me by the name of XXXX who claimed to be a financial advisor promise to help me over come my mortgage situation and made it seem like doing a reverse mortgage was the only answer for the current situation and made it sound like my family didn't have my feelings and respect in consideration but now that I need his expertise he no longer returns any of my phone calls he has been very manipulative to my family when I was XXXX in the hospital and I think he knows my mental health status was a easy target to prey on and took advantage of that I believe this man is a con artist and we don't know what to do we don't even know where to begin please I need help and any information would be greatly appreciated thank you
05/22/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MS
  • 39532
Web Servicemember
I am on XXXX XXXX military leave and i had to go to Mississippi for 9 months. My mortgage has been on autopay with XXXX XXXX. Apparently my loan was sold to Carrington mortgage and they have not been fun to deal with. I have been paying them 2 times per month for the full monthly mortgage payment. Yet somehow they just reported my monthly payment over 30 days past due to the major credit bureaus. I am not sure why when my loan was transferred to them that they did not keep my automatic payment. I have never had any issues paying my mortgage and i have perfect credit. I am extremely unhappy with Carrington so far. I also looke up online and read that when your mortgage is sold legally the new servicer can not report any late payments for over 60 days to ensure the payment is properly applied. They have violated my consumer rights.
02/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85029
Web Servicemember
XXXX payments were made to Carrington, both payments came from bill pay with name and address and account number for XXXX and XX/XX/2022. Carrington improperly posted the payments. XXXX XXXX XXXXXXXX has presented documentation to correct this issue. Carrington sent me information correcting the posting of the payments. Carrington also, notified me that my credit would not be affected. I have tried to refinance getting a low locked in rate which carrringtons mistake has prevented. I have been notified that all three credit bureaus have late payments for XXXX and XXXX of 2022 for the same account which was wrongly accused of late payments, causing financial hardship. With interest rate rapidly rising carringtons mistake will put me in a unlivable financial position. I need this mistake corrected within 24 hours to secure my rate.
02/22/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30102
Web
In XXXX my husband and I bought our house. Our loan was through XXXX XXXX XXXX and our escrow payment was set to include enough for our homeowner 's insurance. XXXX XXXX XXXX paid those homeowner 's insurance bills for XXXX and XXXX. In XXXX XXXX our loan was sold to Carrington Mortgage, who also raised our payments. Our escrow was supposed to carry over and continue to accrue enough for homeowner 's insurance. I recently was in my account online and saw that it said we had no escrow for our homeowner 's insurance. Come to find out that, for whatever reason, this was not carried over like it should have been. Now I am faced with an almost XXXX dollar homeowner 's insurance bill that is due in a month that I was obviously unprepared for because I thought that my mortgage company would continue to put aside money in escrow for it.
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78613
Web Servicemember
XXXX XXXX XXXX mortgage loan, was transferred to Carrington mortgage company. Both companies are reporting incorrect information on credit reports. XXXX XXXX XXXX was not sent to collections, it was Covid forbearance and then they transferred our loan to Carrington. Carrington is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. Carrington had not updated their own system, so we had no account number for them to take payments. Our XXXX loan was still considered the payment company and put our payments in a escrow account, until Carrington had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.
07/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 307XX
Web
Client attempted to work with Carrington Mortgage as her loan was transferred from XXXX that already had been Modified. She finally came to Housing Counselor and we submitted a package stating the reason for delinquency is payment dispute. we are including with this complaint the document sent to Carrington and the work out she had been offered by XXXX. # 1. she was paying payment that was being held in suspense, # 2 they have capitalized the arrears into the loan and said the suspense funds were applied to the arrears that they held without applying to the mortgage payments. We were informed we need to send a dispute to Carrington- which Counselor will do in conjunction with this complaint. She stopped paying the payment when counselor advised to stop sending payments as they were holding funds of XXXX as of XXXX XXXX, 2016.
03/23/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32819
Web
XXXX XXXX XXXX transferred the servicing of my loan. I was XXXX payments into a FHA XXXX payment trial. I have continued to pay my monthly mortgage payment to my new servicer. Carrington Home loans. My previous foreclosure with XXXX XXXX XXXX was supposed to be dismissed once I accepted the Modification. Last week I had to attend a hearing with my private attorney and the XXXX XXXX XXXX attorney. The Judge wants to advance the foreclosure. I am afraid of losing my home during the modification. Carrington mortgage needs to dismiss the foreclosure and get my loan modification completed. Pursuant to the CFPB bulletin XXXX Your agency was concerned about loans being transferred during the modification process and this is exactly what has happened to me. Please help me get this resolved so that I can keep my home. Thanks, XXXX XXXX
10/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • SC
  • 297XX
Web
I filled out and processed a Legal Residence Exemption form with the Tax Auditor of XXXX XXXX, South Carolina in XXXX or XX/XX/2023. A check was made out to XXXX by XXXX XXXX in the amount of {$1500.00} and processed on XX/XX/2023. At that point, my mortgage should have been greatly reduced and any amount I overpaid refunded to me. I requested that Carrington Mortgage correct the escrow to reflect my new tax rate. I received a letter in the mail yesterday that the check for {$1500.00} had been returned to my financial institution. I don't understand how a check from a Tax Auditor could have insuffecient funds. I have been dealing with XXXX ( my previous Mortgage company before it was transferred ) and Carrington Mortgage on this issue since XXXX and nothing has been resolved! I am beyond stressed and frustrated at this point.
05/18/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20602
Web
My mortgage company, CARRINGTON MORTGAGE SERVICES , LLC, didnt pay my home insurance to XXXX XXXX XXXX XXXX on time through escrow. For the life on my loan, my home insurance payments have been paid through escrow. The home insurance was due XX/XX/2023, but my mortgage company didnt pay until XX/XX/2023. As a result, my home insurance was cancelled and the company is refusing to underwrite me again. I am struggling to secure home insurance, and what companies will work with me are charging much more. The home insurance company remitted the payment attempt back to me by cutting me a check on XX/XX/2023. I received that check on XX/XX/2023. My mortgage company is refusing to help me. Ive called multiple times over the past two days, and no one seems to care even though this is an error stemming from their gross negligence.
02/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 381XX
Web
I have been affected by Covid 19, Request help with my mortgage from Carrington Mortgage and they put me in a forbearance. My forbearance ended XX/XX/XXXX, as soon as it ended I sent the documents for the mortgage assistance. I sent Carrington all the paper work they requested but a foreclosure sale date was set to sale my house. Spoke with XXXX XXXX XXXX dept. XX/XX/XXXX he said the foreclosure sale date is still on hold not canceled yet underwriters are still working on the COVD-19 modification. He transferred me to XXXX the Supervisor. XXXX XXXX XXXX she stated the foreclosure date for XX/XX/XXXX will stay on hold until the modification is complete. I told her of the last conversations with XXXX XXXX ID # XXXX stated Supervisor XXXX XXXX XXXX XXXX said it shouldn't be on there and will be canceled said to check next week.
12/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 90016
Web
Sometime in XX/XX/2019 I made the mortgage payment through Carrington 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. In addition, on my XXXX report it states I was late in XXXX and XXXX of 2019. I called Carrington about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with XXXX. They said they will not send me anything.
05/14/2022 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28213
Web
i have tried to get this company to send me the info about this debt. and the only information i get is that they closed the debt. they state there is no money, etc. remaining but then i get a letter from the IRS stating this company Carrington Mortgage wrote off over XXXX and the IRS want nearly {$4000.00} because since they wrote it off, it is now income and i owe. i asked for any info on this debt and a copy of the 1099-c. all i received was a 1099-a. when i try to contact them again they say there is no debt and will not tell me who the debt was transferred to, etc. the company is carrington mortgage po box XXXX, XXXX, in XXXX phone # XXXX, fax # XXXX, loan number : XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX nc XXXX phone # XXXX. email : XXXX i would like to know how much is owed and to whom?
11/21/2017 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • NM
  • 883XX
Web
On XX/XX/XXXX I disputed the debt that Carrington Mortgage Services , LLC was alleging due to the fact that I had cancelled the loan transaction on signed " notice of right to cancel '' dated XX/XX/XXXX which was also filed in XXXX County, NM via the Truth In Lending Act. In this same letter to Carrington Mortgage Services , LLC I not only informed them of the cancelled loan I requested that they close the acct and not to contact me any further whether through calls, letters or sending people to my property. They instead responded on XX/XX/XXXX with a letter addressed to me with slander and lies which I do indeed deny and threats against me including fraud and prosecution. Meanwhile telling me to pay the debt as a solution. They are continuing to harass me by mail. I will include their letter dated XX/XX/XXXX as requested.
09/13/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • VA
  • 22192
Web Servicemember
XX/XX/2023 I contacted Carrington Mortgage to make a payment due to not being able to send in by mail since Im overseas. I spoke to a supervisor XXXX that was very kind and advise after accepting my payment ( over the phone since my checking account is in the system ) that I would be able to make my payment via online or calling if needed. I attempted to make a payment of XXXX to my account XX/XX/2023 at XXXX and spoke with XXXX teller ID # XXXX that refuse to take a payment from me over the phone. My account has been flagged and sent over to the credit bureau once again flagging my clearance. XXXX XXXX did the exact same thing while under an active COVID for essence and still transferred my account to Carrington. Something needs to be done this is unacceptable and making it very challenging for members to make payments.
05/18/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 23669
Web Servicemember
Seven years ago we received military XXXX from XXXX to XXXX XXXX, XXXX We were unable to sell the home in XXXX so we rented it for several years. At XXXX point we had a renter inflict {$21000.00} worth of damage to the home. We emptied our savings at that point to cover both the repair and the mortgage. The home in XXXX has not been rented in over a year and with no rental income we can not pay the mortgage. We switched property management companies only to find out the home also needs a new roof. We contacted our mortgage lender ( Carrington Mortgage Services ) and filled out all necessary paperwork for XXXX Loss Mitigation assistance, but were turned down. There is no way at the current time we can afford to either repair the roof or pay the mortgage for the home in XXXX when we are living in XXXX due to military XXXX.
02/17/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MS
  • 39401
Web Older American, Servicemember
my contract with XXXX XXXX was transfered to carrington mortgage a couple of months ago, a mess. my payment was XXXX per month, alot of money, but we could handle it. we got our bill for XXXX and it went up tp XXXX, quite a jump. i was told for escrow, but my insurance co has not told me any thing about such an increase and since i sign up for home stead exemption, its not my tax. seems funny, they wait until allt the interest rates go up, and then pull this.i dont like being messes over and that is what they are doing. i ask them what do i have to do to get my payments back where they were were. you cant was thier answer. i cant afford thier XXXX so i really would appreciate your help. i am XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, i gave my country 18 months and almost died therte and i dont deserve this XXXX. XXXX XXXX
08/11/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30097
Web
I contacted Carrington Mortgage about my loan and spoke with XXXX his ID # is XXXX ... I explained to him how Carrington had lied to me about helping with my loan modification..Carrington refused to accept payments to bring my mortgage current. XXXX was very helpful and he said that he would send me a reinstatement letter and I should receive it by XX/XX/18. On XX/XX/18 I received a letter from an attorney saying Carrington is foreclosing on my home and God knows this is WRONG, illegally trying to foreclose on my home. Carrington, why did you lie to me? Im so upset. Im trying to stay in my home. I just dont understand a mortgage company refusing payments. Carrington, you promised you would work with me and suddenly you foreclose on my house? Im praying XXXX steps in and turn things around because this is not right.
05/14/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21234
Web
My XXXX XXXX XXXX loan was transferred to Carrington Mortgage about 30 days ago. I was sent a notice, but I was never sent a welcome package or any information about my new account from Carrington. XXXX XXXX XXXX gave me the phone number for Carrington and I called to get my account number and information. I was assured that more information was coming in the mail and that XXXX payments would not change. I still have not recieved a welcome package, instead, I have recieved a notice that my 30-year conventional mortgage payment is going to go up over {$50.00} due to estimated escrow changes. This is ridiculous. I have not been motifiifed of any tax or insurance changes and there is no need for this payment to go up. I feel like this is unnessesary and unjustified. Definitely not the 'Welcome package ' I was expecting.
08/20/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • RI
  • 028XX
Web
Our home mortgage was sold by XXXX XXXX XXXX Bank to Carrington Mortgage Services, I believe in 2012. The website will not let me access my account at this moment. Our payment with XXXX was {$1700.00} Including P & I, Hazard Insurance & Property taxesOur payment with Carrington is {$1800.00} Not clue what this payment includes because I have no signed ( by myself or my husband ) paperwork from this company. When Carrington bought our mortgage it raised our payments without our consent or prior knowledge. I did call Carrington when I noticed the jump in payment, only to be told that it was to cover our homeowner 's insurance. At that time I offered to pay the amount out of pocket, to keep our payment the same as it was with XXXX. Carrington stated they could not do that, after transferring me to various people.
02/28/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MT
  • 59701
Web
carrington mortgage po box XXXX XXXX ca XXXX we changed home owners insurance to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX mt XXXX we were insured by XXXX XXXX and XXXX XXXXXXXX XXXX they could save us money. they insured us through emaclaw insurance, but emaclaw decided they could not insure us, so XXXX XXXX got us insured through travelers. are mortgage payment kept going up, we called carrington and found out XXXX XXXX was never canceled, and was paid out of are escrow account, and emaclaw was paid out of escrow to XXXX, and travelers was paid out of escrow to for XXXX we have decided to keep XXXX XXXX we called travelers and they returned XXXX, and emaclaw never returned any money. are mortgage payment went up through no fault of ours, and now if we do not get the XXXX and the XXXX back we could face foreclosure.
05/01/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • PA
  • 184XX
Web Servicemember
Toward the end of last year my escrow changed as typical, and I thought that it changed a month later than did. The mortgage company held my money without applying it to my payment until they received the entire amount. Then they ended up applying it toward principal without my knowledge despite my calls to them to explain the situation. Now they are telling me I am a month late on my mortgage when i have in fact paid them every cent that i was requires. They are telling me that the regulations require them to apply the payment to principal after 60 days. So, that suggests I was over 60 days late getting the balance of the funds to them. That is not possible since I have Made my payments. I have on numerous occasions requested they apply the amount the applied to principal toward the payment as it should have been.
09/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Payment process
  • CA
  • 92011
Web
My mortgage was sold to a new servicer without my knowledge in XX/XX/2023. I was made aware of this in XXXX. I contacted the company to set up my account and start automatic payments. I was told this would happen. I made a lump sum payment at that time to bring my account current. There was no credit consequences at this time. I was placed on paperless billing. I never received a bill of any type and assumed my payments were being made via automatic withdrawals. I then received a snail mail bill for 2 months ( XXXX and XXXX ) worth of payments at the beginning of XXXX. I immediately got online to make the payment. I then called the company to confront them about why they didnt send me an email bill for the XXXX payment if I was not on the auto pay and why my account was not placed on auto pay as I had requested.
12/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • IA
  • 504XX
Web
I have a mortgage with Carrington Mortgage my account number is XXXX. I have made payments and they don't show on my account when it was paid thru XXXX XXXX they claim they received a payment for {$220.00} yet no payment for {$940.00} which was made in XXXX. I been in touch with XXXX XXXX and they said they were suppose to send all the documents that Carrington was asking for since they already had the information. I called today XX/XX/XXXX to check on the statice of when I called XX/XX/XXXX to Carrington Mortgage and I get the run around again. They asked if I put the Account number on the money transfer. I have never had any problem with prior mortgage company 's until I got with this one. It's like they act like your a liar. All I want is too know where my money has went since it wasn't applied to my Mortgage.
12/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WA
  • 98002
Web
In XX/XX/XXXX. I was contacted by a realty company advising me of the different options that are available to me. I was never advised by Carrington that there was others options than going through a foreclosure. My realtor has received an offer on the property. I was recently advised that I was denied to participate in a short sale as my account was to much past due. In XX/XX/XXXX my lender was switch to Carrington. In the past was denied a modification and now a short sale. They are insisting that I have to go through a foreclosure and that there are no other options available. I do n't believe this right or correct. Please help me in anyway possible to avoid foreclosure and salvage my credit in order to proceeding with the short sale of the home. We have a far market value offer we 've received on the property.
05/17/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76036
Web
On XX/XX/2023 I received a notification that my credit score was decreased by XXXX points due to 1 late payment from Carrington Mortgage. I have never made a late payment to Carrington Mortgage. When I contacted Carrington about this problem, they informed me that they mistakenly applied a payment to my escrow instead of the principal and then applied the late payment. My payment history does not have record of a late payment. The mortgage did not notify timely of the increase in escrow. I have no problems with making payments and making the payments timely. The mortgage also stated that they were sweeping my payments prior to add escrow. They then increased my payments for two months without prior explanation in request for payments. This information is not being logged as billed out on my payment history log.
06/12/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30060
Web Older American
On XXXX/XXXX/15 we were contacted by XXXX XXXX ( XXXX ext XXXX ) who advised me that we had been approved for an FHA modification. She said we were on a 3-month trial period payment plan and that after successfully making the 3 months payments on time ( XX/XX/XXXX, XX/XX/XXXX and XXXX ), our interest would drop from 5.25 % to 4 % and our payments would become lower than the trial period payment plan payments were. She said there would be no principal reduction. I just called to find out what our new lower payment would be beginning in XX/XX/XXXX and was told that we had to continue making the higher trial period payment plan payments because the paperwork had not been finalized. I was also advised that it could take 3 or 4 months for the modification to become final and we could begin making the lower payments.
12/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web
Carrington Mortgage breached their contract with me by failing to auto-draft my monthly payment. As of result of Carrington Mortgage 's failure, they sent me a threatening letter entitled " Notice of Intent to Foreclose ''. I have never been late on my mortgage payments with Carrington Mortgage, and I currently have a XXXX FICO score. In fact, I have made multiple additional principal payments to this mortgage account this year. Please see attached documentation showing the threatening foreclosure letter from Carrington Mortgage dated XX/XX/2018 as a well as a screenshot of my XXXX FICO score as provided by XXXX XXXX bank. When I called Carrington Mortgage, the representative advised me that the credit reporting agencies would reflect this negative credit item, despite it being Carrington Mortgage 's fault.
05/13/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 275XX
Web
My mortgage was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services LLC XXXX 2015. I have been informed that I have no control over which company buy and sell my loan which I find disturbing. Carrington Mortgage Services LLC has the worst consumer services. I stayed on the phone tonight at least 30 minutes waiting to speak to a consumer service rep. regarding notice from Carrington informing me of additional random fees that can be assessed to my account. I requested a copy of the my initial loan regarding additional fees. But I feel it 's unfair that my loan has been sold to a debt collector when I am in good standing with my loan. I feel that these so called fees are ways for Carrington Mortgage Services LLC make profits off consumers and that 's not fair. Carrington is already getting the interest.
11/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 79905
Web Older American
CArrington Mortgage, has been very difficult to work with. I applied for forbearance because my business closed due to covid but got denied, then my loan modification request was denied although our monthly income is now only XXXX and our escrow/mortgage is {$690.00}. I was granted 3 months payments through the Homeowners assistance fund plus an additional 3 months that should have carried us until XX/XX/2023, but Carrington has taken that money as 1 monthly payment for XXXX and is threatening to foreclose us again. Carrington has reported late payments although the reasons were covid related, and now we dont qualify for a mortgage refinance. Carrington tsays they did not take that money that they will eventually return it to the state but they are still sending threatening letters when they have the money.
06/21/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91356
Web
All of my mortgage accounts get paid via bill pay from XXXX XXXX . XXXX XXXX XXXX has sold my lo an to Carrington. W hen this loan was transferred over there was a negative amount in escrow account at XXXX XXXX XXXX . Per escrow instructions, I was paying down the negative over 12 month period with my payments . Carrington computer system has expected illegally to collect full escrow negative from my mortgage payment. Per fair credit act this is prohibited. In addition, I was never correctly notified that my payments were going into suspense and late fees were adding up. I only found out because of inaccurate reporting to the credit bureaus and my credit score going down for miss ing payments that XXXX has made on time. I have made additional payments to the account to correct the issue.
04/13/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 48223
Web
I applied for home retention options with Carrington MortagXXXX ( loan No. XXXX ) around XX/XX/2022. A loan modification offer was sent to me. The offer did not expire until XX/XX/2022. I called XX/XX/2022 with XXXX HUD counselor ( XXXX XXXX ) around XXXX. The Carrington representative said that the review was closed, and the loan modification offer was no longer valid. I also filed for mortgage payment assistance with XXXX. The case number is XXXX and was filed XX/XX/2022, counselor is XXXX. I just want to prevent my credit from going bad. Also to allow XXXX to pay the back payments to Carrington Mortgage. I also, would do the loan modification, if this will prevent my credit from being ruined. I also just reapplied for the mortgage assistance application with them. It was faxed and emailed on XX/XX/2022.
02/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 465XX
Web
A letter mailed from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA dated XX/XX/2022, indicated my mortgage loan was being transferred to Carrington Mortgage Services, XXXX, IN as of XX/XX/2022. I have not received any communications from Carrington Mortgage Services on my transferred loan, nor has my automated payment been paid. As I understand, I should have been given a 30 day notice of the sold loan and Carrington Mortgage should have communicated with me on about my payment options. With all the junk mail I receive to refinance my mortgage, I am leery of sending a mortgage payment to a company I have had not communications with or a valid account number. Doesn't the new mortgage servicing provider have requirements to notify me of my mortgage rights and responsibility for payment? Thank you, XXXX XXXX
11/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • RI
  • 028XX
Web
To Date : XXXX XXXX - I have received no reply from Foreclosure Attorney for Lender and Loan Servicer regarding my most recent, ongoing written correspondence concerning these matters. Specific Disputes : Foreclosure Attorney and their Client Engaging In Recognized Fraudulent Real Estate Foreclosure Activities. Related Issues : - Amount due is unsubstantiated and grossly inflated ; substantial fees include legal fees and prior irregular record of payments to account - Payable Lender, Servicer, Mortgagee Fraudulent Assignment Activity, do not coincide with Public Records and remain unproven, unsubstantiated as per 2 Qualified Written Response Requests - MERS Inactive - Assignments on Public Record ( 4 ) Attached - XXXX ( XXXX XXXX on bottom right XXXX Assignment & Recorded Name Error ), XXXX, XXXX, XXXX
10/19/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75240
Web
Had a flood in my home XXXX, XXXX 2021 which the insurance is paying out XXXX out towards the damages on the property. I sent out the first insurance check to Carrington XXXX XXXX draft department the XXXX of XXXX, they sent the check to the wrong address multiple times to the point we had to order a new check from the insurance. My representative is XXXX XXXX Ext XXXX She has repeatedly told me its been handled and said she sent the new check out and its been indorse so we can repair the property. And they just sent the check back without it being indorsed. At this point it seems like its a game and nobody in the Carrington XXXX XXXX Draft Department is helping to get this job done the correct way. I'm struggling to pay to fix all of the damages in the property and Pay my mortgage. I seriously need help.
09/22/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 14221
Web
My Issue is with a 30 day late Carrington Mortgage Servicing is reporting on my loan. I made my XXXX payment on XXXX, XXXX, 2015. The XXXX payment was made XXXX XXXX, 2015. On XXXX XXXX, 2015, they reversed my XXXX payment and applied my XXXX payment towards the XXXX payment. I subsequently made the XXXX payment on XXXX XXXX. I am not sure why it took Carrington 35 days to reverse the XXXX payment. but when they did, the XXXX payment was there to be applied toward the XXXX payment. I am trying to complete an FHA streamline refi but XXXX XXXX at Carrington said I could not because of this XXXX late. I want this 30 day late removed from my credit so I can proceed with the refi. 35 days to return a payment is Unfair, ridiculous and has to be in violation of RESPA or FCRA. Please have then correct my credit
08/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • FL
  • 346XX
Web Servicemember
In XX/XX/XXXX, I lost my job due to COVID-related issues. Spoke with my mortgage department about the subject. I was given a special forbearance until XX/XX/XXXX. I notified my mortgage company in XX/XX/XXXX that I had returned to work. I was told I was on a forbearance until XXXX. In XXXX, Carrington then reported all my back payments on my credit report. I submitted documents to Carrington for Loss Mitigation in XXXX for months, this was drug out by Carrington. This took until XXXX of XXXX to come up with a Loan Modification plan, The new loan payment was to be {$4100.00}, and my income is {$9200.00}. I understand that I'm behind on my loan payments, but having this type of interest rate is not a payment that should be done. I believe the mortgage has also add fees that should not have been added.
09/21/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07601
Web
I just uncovered that my mortgage company Carrington Mortgage, LLC has taken advantage of my disability and ability to financially understand the documents for my re-modification during my hardship. It looks like they have deferred the same full amount of my principal balance of my loan. So no I Carrington double the value of home is worth. My outstanding loan is higher then the worth of the home. No did not take out a second mortgage. I can not an answer from anyone other than I signed the documents in 2019 when I modified. I feel they took advantage of me as well as those companies I tried to seek professional help, paid money and never fully followed through the modification. My disability has hindered my life a great deal in managing important things not to mention being a single parent of XXXX.
11/30/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92201
Web Servicemember
Carrington Mortgage offered a Forebearance via their website for XX/XX/2022. We chose it. On the website it indicated that Carrington would contact us with next steps. Carrington Mortgage did not follow through. I then received a notice of pre-forclusure. I contacted Carrington in XXXX and the agent apologized. We established the payment plan for the next XXXX months. {$3800.00} + {$1200.00}. The {$1.00}, XXXX would be applied towards the XXXX Forebearance amount the next XXXX payments. Carrington Mortgage did not honor the agreement. They applied {$3800.00} to XXXX and {$1200.00} to XXXX and reported a XXXX day late to credit reporting bureaus. They have been unwilling to correct the issue. I have tried.to make payment per the agreement online and via their app. I am not allowed. I must call in.
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78613
Web Servicemember
XXXX XXXX XXXX mortgage loan, was transferred to XXXX mortgage company. Both companies are reporting incorrect information on credit reports. XXXX XXXX XXXX was not sent to collections, it was Covid forbearance and then they transferred our loan to XXXX. XXXX is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. XXXX had not updated their own system, so we had no account number for them to take payments. Our BOA loan was still considered the payment company and put our payments in a escrow account, until XXXX had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.
09/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • GA
  • 30045
Web
I previously submitted complaints regarding mortgage fraud, I received a response from your agency regarding XXXX XXXX XXXX XXXX You agency referenced these reports as duplicates, however, all reference numbers were connected to loans taken out or transferred by XXXX subsidiaries. I created a spreadsheet based on all fraudulent XXXX 's submitted and it appears the above reference reports many not be duplicates. Please review my spreadsheet just to double check, It appears documents were passed to each XXXX subsidiary and new loans were taken out on their behalf which, explains why there was a a balance on the home were was stated by XXXX XXXX to have been paid off, This document is located in the Georgia Clerk of Superior Court System. We have never refinanced any loans on our personal property.
06/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60181
Web Older American, Servicemember
After losing my job in 2019 i requested help from my lender for mortgage assistance. I was willing to pay and only wanted to redo my loan to something i could afford. After almost six months of back and forth i was denied and they would not accept partial payments to try and catch up so they filed for foreclosure. Then XXXX hit and the courts were closed down until in XXXX my loan was sold to another company which meant that i had to start over which i did but after 3 attempts the new mortgage company denied me and continued with the foreclosure. I have repeatedly tried to try and arrange a modification to stay in my home of 50 years but they basically said i was out of luck. I am willing to pay my mortgage all i wanted was a reasonable payment that i can afford but they refuse to work with me.
05/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95531
Web
I fell behind on my mortgage about 6 months ago due to separating from my wife and then my mother passing, two of the roughest moments in my life. I tried to reach out to Carrington to make up my payments but they wanted everything in full, which being on a fixed income of SSI, I could not realistically do. Then the other day I received a Notice of Trustee sale for a sale date of XX/XX/2018, not even 10 days notice to prepare for other options or try to seek for help. I am aware that the Notice of Trustee sale should be notified within 22 days of the sale date which it was not. I am familiar with the HBOR laws and I was never provided with a point of contact throughout this foreclosure process, Carrington never offered or told me to submit documents to be reviewed for any type of assistance.
10/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • DE
  • 19701
Web Servicemember
My mortgage account was opened in XXXX and maintained since then. However, Carrington Mortgage is incorrectly reporting that my mortgage was included in my 2012 bankruptcy -- it was not. In fact, Carrington Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. This incorrect, derogative information must be deleted from my XXXX Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. Thank you!!
09/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38109
Web Older American
My home was burned by fire XX/XX/XXXX, my insurance company Foremost sent a check to me and I sent it to my mortgage company. Carrington mortgage sent a check XX/XX/XXXX for the contractor to start to rebuild my home amount {$10000.00}. Contractor has sent contract to Carrington mortgage requesting funds be disbursed in one thirds, 1st one third would have been approximately {$40000.00} until the next draw. Total Funds from XXXX XXXX company to rebuild my home was {$100000.00}, Carrington mortgage is holding these funds in escrow and want disburse to the contractor. Carrington mortgage sent me a document to sign saying I wanted to pay off my house and not rebuild with the insurance money. Carrington is trying to steal my home, I'm homeless and need my house to be rebuilt as soon as possible.
01/26/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33647
Web
This complaint is for Carrington Mortgage Services. I recently refinanced my loan with them and provided all proper documentation including my home insurance. They did not make proper updates to their records and began sending me letters requesting insurance. After I called more than a half dozen times to correct this, they still increased my mortgage payment to reflect an escrow shortage, even though they escrowed home insurance payments that are already covered by the condo association and owe ME money! I asked for this issue to be escalated for a quick resolution but they continue to send bills reflecting the higher payment. This is the second time this has happened with this mortgage and the last time it took 2 years to get a refund back! Where is MY interest payments on those two years?
01/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 027XX
Web
today my spouse who has authorization to speak on my account has been requesting to speak on a non recorded line which is our right in massachusetts today called in again and request was made and said they would get back to us.THIS IS THE SAME LINE MONTHS AGO CARRINGTON GAVE MY HUSBAND.WHY IA NOT BORROWER OR BORROWER REP BEING AFFORDED THAT RIGHT.CARRINGTON BY NOT ALLOWING TO SPEAK ON NON RECOEDED LINE IS MAKING IT LOOKLIKE WE ARE NOT IN COMMUNIQUE WHICH WE ARE.ALSO IT SEEMS THERE ARE MISSED CALLS BY CARRINGTON AND THEY ARE NOT LEAVING MESSAGES SO WE DONT KNOW WHO TO SPEAK WITH, THEY SEEM INTENT TO FORECLOSE AND HAVE TRIED LOOKS LIKE THEY ARE TRYING TO PAINT BORROWER IN A NON COOPERATIVE LIGHT. ALSO A XX/XX/2018 LETTER WAS CONFIRMED RECEIVED IN REGARDS TO A PAYMENT PROPOSAL BUT NO RESPONSE
01/23/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MA
  • 01602
Web
I have a mortgage with Carrington mortgage services LLC and had an overage in my escrow account. I was behind on my mortgage so they would not return it to me ( the overage was about the same as I owed ) I just went through a loan mod so I am not behind anymore and the money is gone. I am told that they used the money in the mod because I was behind. I would n't of had to do a mod if they would have done that in the beginning. I asked why they did that I was under the impression that could n't be done. They put money in my FHA overage that I have to pay at the end of my loan. I asked for a breakdown of the money used and no one can give me one it 's over {$2200.00} and no one can show me where my money went. I did n't think a loan mod cost anything out of pocket until the end of the loan.
11/24/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78245
Web
After onset of Covid, my son lost his job, we were struggling to pay bills. Carrington placed my loan on forebearance, but didnt inform me that after the forebearance, I would have to come up with a lump sum to pay the past due payments. How is someone going to pay a lump sum if they couldn't afford the mortgage during the first wave of the pandemic? They gave me a pymt plan of XXXX for 3 months to catch up. I paid 2 pymtns of XXXX for two months and didnt have the XXXX for the 3rd month. They put my loan up for foreclosure. I called them and they said i have to come up with {$5000.00} to get caught up and thats without late fees and foreclosure fees which arent guaranteed to be removed. I don't want to lose my house. I have lived here for 15 years. I have fought so hard for this house.
10/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34714
Web
For the month of XX/XX/2020 They said I was 30 days past due and has caused my credit score to plummet!!!!!!! I have NEVER!!! been late!!!!!!! I have proof of sending and them receiving on time!!! I have faxed this to them twice! This all started when I started a refi! My note was sold this XXXX and ever since I was introduced to this company I have never liked them. They do NOT know what they are doing and they miss handle my money. That is why I am trying to refi my mortgage!!!!!! I need them to take it off all credit bureaus!!! For this is FRAUD!!! I have sent them my bank statements showing money was sent to them and my statements from them showing they received it ON TIME! ( TWICE ) But they refuse to fix the HUGE issue with fixing it with the credit bureaus!!!! Please help!!!!!
02/04/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 786XX
Web Servicemember
On XXXX XXXX 2015 we sold our home in XXXX XXXX Texas, the mortgage had been sold to carrington. At closing, the escrow company paid the the taxes that where owed, they then sent a copy of the closing documents to carrington, showing that the taxes had been paid to XXXX XXXX tax assessor by the the escrow company. Carrington paid those taxes again. After numerous conversations and multiple attempts to resolve this with carrington, they have n't even contacted XXXX XXXX tax assessor to claim the refund. XXXX XXXX tax assessors website still shows the approved refund waiting to be claimed by carrington. Carrington has to file for the refund because they paid it. I should not have to wait to get my money when this is clearly carringtons mistake, they should refund my money immediately
02/22/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WA
  • 98270
Web
I started with carrington mortgage XX/XX/XXXX. Loan was sold to them from XXXX XXXX XXXX. I can provide proof of all payments made since I purchased the home in XXXX. I paid XXXX, XXXX, XXXX in the correct amounts. XXXX I over paid and paid correct for XXXX, XX/XX/XXXX and XXXX. On XX/XX/XXXX someone at carrington mortgage reversed all previously paid payments in the correct amount and rebilled them at the highest amount that did not start until the XX/XX/XXXX payment. They fraudulently have incorrectly overbilled me. I have proof and they are now saying I am behind since XX/XX/XXXX. When I calculated the payments on my statement to what I have paid I have overpaid due to their error. They knowingly charged me too much and are not willing to even do simple math to show I am correct.
07/13/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 44102
Web
Carrington Loan loans. loan number XXXX. XXXX XXXX XXXX borrower. property address XXXX XXXX XXXX XXXX, Oh XXXX. The servicer has not paid the annual insurance expense, which is inc. in escrows. Ins agent called several times to investigate and received no response. Ins. agent called me to inform me of the issue and advise the policy was due to expire without payment in 10 days. I called carrington, spoke to service rep, and she advised she would investigage and call the carrier. I requested a phone call/email to confirm problem was resolved. I was told she can not verify this, and I would have to call back in 2-3 business days to confirm. I advised this was unacceptable, as we encountered the same issue last year. When I requested to speak to a supervisor, service rep hung up!
05/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • IA
  • 501XX
Web
I had called Carrington Mortgage on or around XX/XX/2020. Asked they why they have not reported my loan to credit bureau. Because I had disputed done complaint with CFPB ( XXXX ). They advised me they are not going to report mortgage from date claim for 120 days. I asked when will report he told me that did not know. When I go to credit karma looks they have charged off the my mortgage. Something is not correct. I tried calling trans union there office are reduced hours because of the covid. The hours they open I am working. When Carrington reports to the credit bureau my credit score does not update. I need everything report correctly from XX/XX/2020 to current. I have included screen shots. If notice the home loan has a black dot just like the auto loan that is paid in full.
04/12/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NV
  • 89110
Web
XXXX XXXX XXXX was helping me with my bankruptcy. Once we finished with the payments to the trustee. the mortgage bank told me i was behind over XXXX dollars. The bankruptcy is for me to start on a XXXX balance. The lawyer that is in communication with the bank said that the bank should of sent me info on that. which is not true he is in direct contact with them. Ive told him that the law firm has many lawyers and helpers that the during this process that it was done correctly. im asking to reopen my case to have it filed correctly since it is their negligence that im in this situation. The lawyers said that it is the banks fault when he is the one to talk to them on my behave. Thats the services i paid for and are not defaulting on me and they are not taking any responsibility.
03/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 34953
Web Servicemember
Our Mortgage company is Carrington Mortgage, we did go into foreclosure, due to various reasons ( covid was a cause ), but after paying back the roughly {$4000.00} in missed payments. We also paid an additional {$8000.00} dollars in fees. Now they are charging me with an additional {$5000.00} dollars in fees, after we paid everything off on XX/XX/XXXX. Then XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ( XXXX ) they continued to charge us fees. Without giving us a reason or cause. They simply state that they can because it's servicing our loan and it's in our contract. We have been current and ontime since XX/XX/XXXX, and yet they are still charging fees. The only reason there is no fee in XXXX, or XXXX is because I sent a dispute letter and they had to stop until the inquiry is over.
09/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 106XX
Web
Due to the recent pandemic, my mortgage company offered Covid 19 protection, we decided to accept the offer, however we were able to make all the payments during this time period. the problem is that the Mortgage company ( Carrington Mortgage ) MISAPPLIED one of the payment in XXXX, and due to this misapplication both mine and my husbands FICO score have dropped 35 pts!!!, I have called Carrington Mortg. numerous times, talked to the escalation dept, and this has been NO HELP at all. My next step is our local XXXX XXXX, to hopefully bring this to a head. I have been more than patient with this mortgage company, however I need your help PLEASE. I have been denied credit, my husband had been denied employment every month we make a payment were being reported as 30 day late!
03/08/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MS
  • 38654
Web
My mortgage loan was sold by XXXX to Carrington Mortgage Service LLC in XXXX XXXX. I never got any statements from Carrington Mortgage until XXXX XXXX. When I talk to them and I have done so about 10 times they tell me fax us a letter that you want your statements as you had a Bankruptcy discharge in XXXX and we Can Not send anything. I told them I never had any issues with XXXX and they advised me your are we Carrington now and we have different rules. I just want my past XXXX statements from them so I cab Refi my house with someone else. also my credit union fax them a Verification of loan so I can Refi and they do n't want to answer that either. Carrington Mortgage should NOT be in business and checking the BBB they have XXXX active complains due to the way they do business.
07/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
Web
I have been a victim of predatory lending from XXXX who has subsequently sold the loan to XXXX XXXX XXXX ; who has passed the loan to several servicers including XXXX, XXXX and Carrington Mortgage. This Loan started at 9.875 % and is currently 11 % as of XX/XX/XXXX. I have made several attempts for loan modification of which they have denied because I continued to pay. Since XX/XX/XXXX, I have stopped paying this high Interest predatory loan. Currently, XX/XX/XXXX claims to own this loan but has no proof of the promissory note. I am currently in litigation with XX/XX/XXXX because the Loan is approximately 8 percentage points more than fair market value. I am unable to continue fighting this predatory mortgage company and need help in refinancing to get out of this situation.
02/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 066XX
Web
My mortgage is currently serviced by Carrington Mortgage Services ( CMS ). CMS has advised that there is an escrow shortage of {$7200.00} due to flood insurance. CMS has claimed that the shortage stems from the billing from the insurance agent. However, my insurance agent has issued statements showing that the insurance is paid up to date and they also issued a {$3800.00} refund. CMS has refused to issued proper accounting statements, even though I have requested them via QWR, which is a violation of RESPA and HUD law. CMS is clearly distorting the escrow account, to press foreclosure action. CMS has refused to move ahead with loss mitigation efforts as well, which is a violation of CFPB law. I feel cheated and deceived by CMS and I am seeking your assistance on this matter.
04/20/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 78633
Web Servicemember
The original VA home mortgage was through XXXX XXXX XXXX and sold to Carrington Mortgage Services , LLC . Original mortgage was 6 years old, and I have never been late on a payment. Carrington raised my payments {$140.00} a month without an explanation and on XX/XX/2018 when I called I was advised that they had added a 1/6 percent " cushion '' to cover any shortages in escrow that might happen in the future. I had the exact amounts that cover the tax for XX/XX/2018 and also the insurance, so there isn't a guessing game on what is or will be owed. This is wrong! If I come up short, I should be given the option at that time of paying the difference immediately or having the additional amount added to my monthly mortgage payment. This is no different that having to pay PMI.
06/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19006
Web Servicemember
On XXXX XXXX I went online to p ay one of my mortgage payments. I saw that at the end of the transaction the amount was {$5.00} higher than my normal payment, but I had already pushed the end button. So I went back into the site the next day and looked and it showed I had paid the normal amount. When I checked my bank account it showed {$5.00} additional. So I called them last night but they were closed. But there was a recording that said as of XXXX XXXX , there will be a {$5.00} additional charge to submit your payment online. 1. I was NEVER advised in writing that his charge was going into effect. 2. This is NOT what I signed up for. Not part of our original contract and I feel it is illegal to do this now. this is Carrington Mortgage Services, LLC Thank you
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 774XX
Web Servicemember
Carrington Mortgage is currently reporting that my loan is 180 days past due and that I owe {$260000.00}. None of this information is correct. My loan is not past due as I just complete a loan modification and made my XXXX payment. On my statement dated XX/XX/2022, it is showing a balance of {$220000.00}. I made a payment XX/XX/XXXX, so the current statement is not reflecting that. I have called Carrington Mortgage several times but can not get through to anyone due to their lines being down. The erroneous information has caused my credit score to drastically drop, I am in the process of refinancing my home due to all the issues I have had with Carrington Mortgage and their reporting has halted my chances of that of happening, I need this information corrected immediately.
08/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 24502
Web Older American
My mortgage payments have not been applied to my account. My husband and I have never been 30 days late on mortgage payments. We continuously receive late notices and foreclosure letters. This has been going on before XX/XX/XXXX through XX/XX/XXXX. The mortgage company is stating that we are approximately {$3800.00} behind in our mortgage. I have called the mortgage company to let them know that we have NEVER paid our mortgage late. We pay our mortgage via XXXX XXXX and we have all of our receipts. I tried to set up online payments through the mortgage company 's website but was told by a customer service representative that we must bring our account current. This is very frustrating because our account is not delinquent. The company did not apply our payments correctly.
06/14/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • SC
  • 29016
Web Older American
During the government shutdown I spoke with Carrington about my inability to pay my mortgage ... they said I would be helped but they sent someone to my home to take pictures and continued to send me foreclosure notices in the mail ... the day the government shutdown ended they refused to take my payment without a {$20.00} up charge and they tacked on late fees and they didnt offer me any help ... I also tried to get a home line credit loan of which they gave me the run around and never gave me an answer ... Im still trying to catch up with my bills and I filled out a promise to pay request where they are refusing to accept that because now they claim I broke a promise which is not true .... I have tried to speak with them several times and they only give me the run around
06/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32258
Web
I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with Carrington Mortgage it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/XXXX XXXX
04/22/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 33023
Web
XX/XX/2021 is when I completed my documents regarding identify theft for the mortgage account Carrington, which was fraudently opened without my consent. I am a co-borrower who has been dragged onto this account without m had advise the provided necessary documents to initiate the investigation as for the identify theft, police report, evidence. Which I have not heard from the company regarding status. So i contacted them in XXXX, which there was no updated information and was advise the individual was looking to re-finance the property. I had mentioned to them that I would not be partaking on the re-finance and needed to speak with the department. I reached out again in XXXX and still was advised that there was no updates regarding research and nor have I heard from them
11/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • XXXXX
Web Older American
Im submitting proof pertaining to a previous complaint where the mortgage company is holding my money until XX/XX/XXXX for this coming month to accrue interest on a payment that they said was from XX/XX/2022. I have submitted all of my payments and I am current till the end of XXXX and I dont want them to wait until XX/XX/XXXX to decide that they need another payment right away. I have submitted three payments Since XX/XX/2022 to XX/XX/2022. Please tell the mortgage company to apply my money and stop holding it in the back room per XXXX and apply it to my account. I am a senior citizen and I need to stay in my house, I dont not want them to try to take my house away from me using unethical banking practices. If theyve gotten the money, they should have applied it already.
10/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 42003
Web Servicemember
I was under XXXX XXXX until the end of XX/XX/XXXX. The mortgage company said they had mailed loan modification paperwork but I never received it. After XXXX calls to the mortgage company they continued to to tell me that I was under XXXX XXXX and that they had re-submitted the account for loan modification. In XX/XX/XXXX I got the loan modification paperwork from the mortgage company, and got it sent back to the mortgage company. In XX/XX/XXXX I began remaking payments. The mortgage company is reporting to the credit bureaus that I was XXXX XXXX in XX/XX/XXXX and XXXX XXXX late in XX/XX/XXXX, and they also reported an amount that was past due. This has affected my credit and also caused a credit account to be closed when I had always made payments to that credit account.
04/01/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MO
  • 64093
Web Servicemember
My mortgage is with Carrington Mortgage Services. I have been making my payments electronically but the company has been continually returning the payments. I'm now 6 months behind and an appraiser came to my home a week ago saying he was doing an assessment of the property because it's in foreclosure and scheduled for sale on XX/XX/19. I NEVER received any notification of foreclosure. I never receive statements of my account. I had called when I was a few months behind and they agreed I could make weekly payments to catch up but again they returned every payment. Today I had to go to my parents to get the {$6500.00} to stop the foreclosure. That amount includes over {$2400.00} in " other '' costs. This company is terrible!!!! Someone needs to investigate their practices.
12/21/2017 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 33770
Web Servicemember
I would like to file a formal complaint with Carrington Mortgage Services, as well as XXXX.I have escrow issues with regards to : Forced Hazard Insurance placed on my account/home. 1st complaint : My payment increased substantially from XXXX to XXXX that 's a $ 230 monthly increase ( {$2700.00} annually ). 2nd complaint : The payment hike is only 1 issue, when I called the insurance company they have no idea of who I am, and the policy number I give them is not with them. Carrington tells me I was insured by them ( XXXX ) XXXX and will be covered by them XXXX.. Furthermore, after hurricane IRMA I called XXXX to file an insurance claim, an adjuster came by the house - and of course claim denied. But if the adjuster came out would n't that mean the policy is valid??
01/15/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 95660
Web
Letter was sent from Carrington Mortgage dated on XXXX received Sat XXXX stating that my Mortgage was behind 30 days and if I do n't pay XXXX in 30 day they will start forclosure procedures, I mailed XXXX payment also, that payment have not posted to account, I also made online payment today XXXX for XXXX a they put this on my credit report I have never been late on my mortgage in 16 years a check was sent and received by Carrington Mortgage and deposited on XXXX, The account # written on the check were to post payment. which they clearly did not do. I have read complaints on how carrington does business I 'm clearing unhappy, They have not sent mortgage coupon so I have to send check in regular envelope and write the account number on check for the to post to account ...
12/09/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • Trying to communicate with the company to fix an issue with the application process
  • GA
  • 30125
Web
I called my lender, Carrington Mortgage, to verify my first payment was not due until XX/XX/XXXX of XXXX and the representative said they never promised me that. When I told her I talked to many agents stating the first due date of my mortgage after the loan modification was on XX/XX/XXXX, she claimed I was lying and that agreement was from my previous lender. I have attached the email from Carrington saying when my first mortgage payment is after the loan modification and the letter they sent claiming that I owed from XX/XX/XXXX to XXXX. They also said they would change my mortgage interest rate from 2.78 % to whatever the current rate was, when I told them they could not do that, they put me on hold. I will have to file for bankruptcy to get away from these people.
09/26/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Payment process
  • NJ
  • 07083
Web
I have my mortgage on automatic payment I realized I had more.money then usual in my account and that my mortgage wasn't paid. I looked on the site didn't find any mail because I have paperless account With and explanation. I called i.was told I am on certified funds. I ask what that meant and if something could me mailed to.me with and explanation and directions to.pay I was told that I couldn't be emailed direction but I can directly threw my bank. So I attempt to pay twice with check from.my bank that take the money out automatically to send. The payment was returned twice. I called again I was told no I can only pay by XXXX XXXX but they can.only tell me the code and not send me anything in writing. Now I have late fees because of lack of proper communication.
09/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 36869
Web
Carrington is trying to say I did a partial home loan modification in XXXX. I had my whole loan redone to {$90000.00} XXXX XXXX XXXX got {$21000.00} which isn't supposed to be paid back until the end of the loan which is XXXX. It doesn't state it in the letter either about a partial home loan modification from XXXX. XXXX XXXX XXXX tried to foreclose on my home in XXXX because they weren't applying my payments as they should be. I had to file for bankruptcy protection to save my home. They keep telling my lawyer different stories from what they told me to cause trouble. Now Carrington is causing more trouble with not notifying my lawyer or the bankruptcy court. This XXXX as an f rating with the XXXX. It seems they want to transfer my home loan to these sorry companies.
05/18/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33322
Web
In early XXXX of 2020, we called Carrington Mortgage and requested a CARES Act forbearance on our FHA mortgage loan. We were told that it was granted for 3 months, and the Carrington employee then cancelled the automatic payment that we had set up. The Carrington employee also told us that we would be able to move the missed payments to the end of the loan, and that the mortgage loan term would be extended accordingly. Despite this XXXX conversation with Carrington, we received a " Notice of Intent to Foreclose, '' dated XX/XX/2020 from Carrington. We understand this to be a direct violation of the CARES Act. We want to make sure the Carrington Mortgage complies with the CARES Act, and does not take any action to harm our credit scores or to foreclose on our property.
04/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KS
  • 67217
Web
We thought we were only 3 months behind on our payments and on XX/XX/XXXX we sent 1 payment and again on XX/XX/XXXX we sent another payment so then we thought we were only 1 month behind. But apparently we were 4 moths behind and Carrington rejected both payments and filled for foreclosure. Since then we have been trying to work with them to no avail. The first loan mod was declined because we didn't make enough money and now that business has picked up they are refusing to review the second application because we are to close to the sale date. We were just as close with the first application and they didn't refuse it so why are they refusing it now? It makes no sence to us. We feel like they have not tried to help us at all and they are just setting us up for failure.
07/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 27520
Web
During our XXXX XXXX bankruptcy our lender ( XXXX XXXX ) sold our loan to our current mortgage holder Carrington. During that time period Carrington Mortgage began showing a late payment. We believe this occured as a result of some of our payment history not being sent from XXXX to Carrington. As I recall I requested several times, when the loan was first received by Carrington, for a payment history because I believed that their figures were not accurate and that I was paying the same month twice ( once when I was with XXXX and then again when it was sold to Carrington ). We are currently trying to do a refi with our house. The late payment history is not helping. Will you kindly look into this matter. Currently I have brought all my payments up to date. Thanks,
05/27/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 44035
Web
When Carrington mortgage took over my loan in XXXX of XXXX, they claim my escrow account was negative {$1700.00}. When checking into my previous lenders statements to me about my escrow it showed that when I transferred over, my escrow account was XXXX ( they also took two FHA payments out for XX/XX/XXXX ). My insurance was taken out in XXXX of XXXX which is paid on a yearly basis and my taxes were paid in XX/XX/XXXX which in bi annually. Because Carrington stated my escrow account was negative by so much they increased my escrow payments in XX/XX/XXXX making my monthly total payment jump from {$560.00} to {$890.00}. I believe Carrington mortgage has overcharged on my escrow and they will not share with me what was given to them from XXXX when my loan was transferred.
06/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • XXXXX
Web
Carrington mortgage refused to accept my payment stating account number error despite my bank never returning a payment. Them refusing to accept my payment through no fault of my own caused my account to become 30 days past due. Although I attempted on several occasions to make my payment. I submitted to them a voided check and letter from my bank proving my account number was valid and they accepted my payment after speaking with agents on the phone but they are still trying to say I was 30 days past due on my credit report. How can I be penalized when I attempted to make my payment but they refused. And I proved my account number was correct. I attempted to rectify with them but they claim its not their fault and they intend to maintain that I was 30 days past due
11/22/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 082XX
Web
Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the basis that the your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender has was sent the third party authorization three times. as well as the Qualified written request. The lender has failed to respond to our QWR sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX- the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
02/11/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07202
Web
Carrington Mortgage Services , LLc has bought my note around three years ago. Recently, CMS has been playing games with the checks I send them. They receive the check before the deadline and try to charge me late fees. Ever since, I asked about cancelling PMI, I have been getting harassed ; CMS call me then hang up the phone. The mortgage has stopped receiving my checks. I send all my checks via XXXX or USPS. At the moment, the moneys are still sitting in the banks. Recently, I sent the XX/XX/2020 check to CMS. They received the check XX/XX/2020. It appears that the mortgage company is deliberately trying to put me in foreclosure. I sent a letter to the headquarters.I have hard-copies of the situation. Also, it appears that CMS is trying to destroy my good credit.
02/14/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • AZ
  • 856XX
Web Servicemember
My husband and I were forced to file bankruptcy ( Chapter XXXX ) last yr due to health/job loss issues- our Mortgage company Carrington Mortgage is now sending us notices saying we are behind in our mortgage payments which is totally false- we have proof that we made 11 mortgage payments in XX/XX/XXXX, which paid us up through XX/XX/XXXX. But our mortgage company is falsely stating that they havent received a payment sinceXX/XX/XXXX. We have contacted them multiple times and tried to get to the bottom of the discrepancy and they always give us a different story. They refused to give me a local Carrington Mortgage office location so I could bring in PROOF of payments- so I had to look it up myself. I need some guidance on how to deal with this fraudulent activity.
11/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • XXXXX
Web Older American
Thus us addendum to complaints : XXXX XXXX Both made on XX/XX/XXXX I was also told by XXXX that worked for Carrington. They have been holding my money but not applying it to my account since XX/XX/XXXX, letting unnecessary interest to accrue. Thus is a cruel and unethical banking prank to try to take someones house. My mortgage is current. I have paid XXXX payments, the proof has been submitted. Why they are just holding tge money in the back as she stated I dont know. People should me made aware of this unethical practice of this company. That money ( payments ) they are holding should be applied to my account immediately, without that accrued interest added. This is just an awful practice to prey on people. Unethical practices must be stopped, God sees it all
10/22/2023 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 347XX
Web
Sent letter asking for validation of debt. Proof of claim Request. Pursuant 12 CFR 1024.35, 12 CFR 1024.36, 24 CFR 3500, and 12 USC 2605 and many other things. I have sent it through register mail/ certified mail. XX/XX/2023 They never sent any information or proof and validation of debt. We have no contract with this company. Yet they have publicize our information and now countless people continue to harass us non stop. They have fraudulently reach out to the credit bureaus and damaged my credit because of it. I had to change my phone number because realtors did not stop reaching out about our property. They continue to falsely state that our property belongs to them. Because they loan us money. We have never contacted with them and do not know who they are.
06/15/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 765XX
Web Servicemember
I have already had two of escrow analysis performed and both times my Homes Estimated value has been massively been under estimated so that my equity is very low. My homes estimated value is {$470000.00} to {$500000.00} but this Company estimates my home value at {$280000.00} ( in todays Market you know this is a scam ) and my loan Value is {$350000.00} ( what I purchased the home for ). I see that Carrington Mortgage is already under investigation from the CFPB. I would E-mail or chat with them but they only allow phone calls on my web page as I have looked multiple times and I bet the reason being that phone calls can not be documented as Texts and Chats can be. This under balling people on their Home Values on equity and equity loans has got to be a crime!?
03/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 950XX
Web
My mortgage is with Carrington Mortgage Services. My principal balance is now under 80 % of the original mortgage amount ( I believe this happened in XX/XX/2018 ) but CMS continue to take the PMI from my account,. I understand the Federal Homeowners Protection Act requires the lender to cancel PMI automatically when the mortgage balance has reduced to 78 % of the home 's purchase price. I contacted CMS and they say they will only cancel the PMI when requested by the mortgage holder ( because some people prefer to keep it ). The only way to cancel is by mail or fax. I sent a letter in XX/XX/XXXX which they have conveniently not received. I plan to send another letter by registered mail, asking for cancellation of my PMI and a refund dating back to XX/XX/2018.
08/06/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30135
Web Servicemember
We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from XXXX XXXX XXXX and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from CARRINGTON MORTGAGE SERVICES say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by XXXX of who this CARRINGTON MORTGAGE people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in this matter.
06/21/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • UT
  • 84401
Web
My mortgage company sent us a letter in XXXX stating we were six months past due. We were only 5 months past due but rather than argue, we paid the mortgage current. I received another letter in XXXX stating I was 5 months past due and that I owed XXXX - XXXX payments. I immediately called them to let them know that they received XXXX payment per their instruction and that I had additionally made another payment in XXXX. Their attorneys have records of both of these payments. Ive called at least 10 times and their agents tell me that they can see there is a mistake on the ledgers on their end and they will send it to a supervisor to fix. This has been going on for more than a month and they havent updated their records yet and are threatening foreclosure.
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32773
Web
As of XX/XX/23 Carrington mortgage has failed to respond to my request and has falsely reported the account as past due and overdue delinquent for 30 days. Fax sent to XXXX for removal of fraudulent late reporting. This account was on forbearance thru XXXX XXXX and payments were satisfied XXXX XXXX. This company is in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose intends to use the information in connection ( a ) with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Violation of my rights of extended credit due to the misrepresentation and false accusations of a fraudulent late payment.
10/27/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NC
  • 28376
Web
This account is fraudulent in regards that the security interest paid for all obligations. Carrington continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Carrington has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Carringtons unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. Carrington continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.
11/16/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 730XX
Web
Carrington Mortgage recently locked my ability to make electronic payments either from online or over the phone. After making multiple calls to their call center and resolving the " apparent '' incorrect info, they still are n't accepting my payments. Each time I called I get different explanation but still no result. I ca n't even make a payment directly over the phone with them. Ever since XXXX XXXX XXXX transferred this to Carrington I have had nothing but poor customer service and find their procedures and policies for customer service atrocious. I 've never experience this kind of problem with any other company just Carrington. Now it appears that they will likely charge me a late fee even though I ca n't make a payment due to their fault not mine.
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20603
Web Servicemember
As usual, Carrington Mortgage Services is publishing bad or incorrect information to the credit bureaus and my mortgage payment has fluctuated again. Please contact Carrington and have them remove, from my account, that I was late paying my mortgage in XXXXXXXX XXXX XXXX, as its being reported to the credit bureau as being late on XX/XX/2022, and that shouldnt occur until the 30 days. This company is rogue and continues to collect erroneous late fees after being fined by CFPB for their dishonest practices. They also reported XXXX payment as being late on XX/XX/2022. My mortgage payment also went up to XXXX from XXXX without cause. I dont trust this entity as I have stated to the CFPB before and I need your help. I appreciate your assistance in advance.
08/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91352
Web
Carrington Mortgage is in violation of federal RESPA regulations. All information is being tracked for possible litigation. At issue is a conversation with Carrington Mortgage on XX/XX/XXXX whereby Carrington stated they had up to 30 days to process documents. This is a blatant violation of RESPA which only allows for 5 days. These documents are being submitted today if and everything is not processed within the required time frame a NOE letter will follow for litigation, fines, penalties and attorney 's fees to be paid by Carrington. Maximum fees will be collected. Docs included through CFPB Authorization form Carrington application for modification profit and loss statement XX/XX/XXXX tax returns hardship letter statement of information XXXX form
07/31/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32825
Web
Loan was transferred from XXXX XXXX XXXX to Carrington Mortgage Services as of XXXX XXXX, 2015. Due to the account showing as a " closed account '', my credit score decreased drastically, making me unable to refinance the loan. After contacting Carrington time and time again, they originally stated that they had a XXXX day window to report the loan to the credit bureaus due to CFPB regs. After continued calls, they first stated that because reporting occurred on the XXXX, it would be until the following month. Then in XXXX, they stated it would n't report until the XXXX. Lastly, they stated that they had already reported it and would be appearing on the credit report by the end of the month. The situation has not been resolved. It is XXXX XXXX, 2015.
02/08/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CO
  • 801XX
Web
We are trying to do a streamline refi. As of XXXX XXXX carrington mortgage took over loan from XXXX XXXX XXXX they first said we did n't make our payments for XXXX, XXXX and XXXX of XXXX. Now they are saying we have not made payments for XXXX, XXXX and XXXX. We went and got bank statements showing we have paid them and on time my credit score went from XXXX down to XXXX. I became XXXX in XXXX and carrington mortgage is ruining our credit. Please help. I can fax all bank statements proving there is no late or missed payments. XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX these payments were taken out of my checking by carrington mortgage. I would take pictures of my bank statements but not sure how to do that like I have stated I can fax them.
12/10/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23451
Web
Repeated phone calls from Carrington Mortgage Company during grace period of harassing nature. Mortgage payment due on XXXX and have until XXXX before late and late fees incurred. Carrington representatives began calling on XXXX and have been harassing and rude in nature. Have outstanding credit and payment history. Mortgage previously with XXXX and no issues - never late, no foreclosures, no delinquencies, payment history is outstanding to the point where have over paid on mortgage and decreased mortgage payment and have begun to pay on principal. Mortgage was sold in XXXX 2015 to Carrington and have been dissatisfied with their service ever since. In addition to harassing phone calls, have recently received a completely inaccurate escrow analysis.
01/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OK
  • 744XX
Web
In XXXX during the outbreak of Covid my work had slowed down due to the high lumber prices so we called our mortgage company and asked if they could defer a few payments, they would not help at all, but we continued to struggle and made the payments on time, then on XX/XX/XXXX I came down with Covid and could not work for almost 30 days. Due to that I was 31 days late on my payment and they reported it to the credit bureau and my credit dropped XXXX points. So we called them again to explain the situation and they refused to help in any way, I had never been late before with them or any other loans. I have worked hard to keep my credit rating good and by this one thing thing they have messed my credit up and made it harder to get the things we need
12/18/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 465XX
Web
My mortgage company XXXX Carrington Mortgage XXXX sent out XXXX Premium Insurance payments to the wrong insurance company and will not get our money refunded back into our account. Our escrow showing negative which has made our house payment go up. All we want is our money refunded and put back into out account. We have lived in our house about 14 Months and have had about XXXX Insurance checks go out, when only XXXX should have gone out for this years Insurance Premium. When we signed papers for our home, our title company paid the first years Premium so the only check that should have went out was this years Premium XXXX which was sent to the wrong insurance company ). Also, in the process of all this my homeowners insurance was cancelled twice.
10/25/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • AL
  • 36575
Web Servicemember
Was in a bk-XXXX, was only 2 months behind, faxed in modification since XX/XX/2018, see just some of proof, XXXX get paid thru VA for going to school if full time at least {$1000.00} per month, he goes more so is more money and one month VA double up, will not ad up to XXXX per month have faxed and explained for 3 months and keep getting the same excuse asking for proof of deposit for XXXX!!!!! Are different amounts on the bank statements, have sent in proof of letter, etc and Carrington still keeps asking for same paperwork! WORST BANK AND UNDERWRITING CAN NOT READ! If not accepting they should say not using so now have to take off and use his staffing job since he started in XX/XX/2018. As a veteran, this shouldnt happent to me or anywone else!
10/07/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48044
Web
Starting end of XX/XX/XXXX/XX/XX/XXXX of this year ( 2015 ) I have been paying additional money on my mortgage to pay off the principal of my mortgage. My mortgage company has not deducted the additional money paid from my principal balance and continues to say that I do n't have a payment due. I called once with no resolution. I again called today and the customer service rep then told me that I have to write a letter to their research department and will get a response within 30 days. They refuse to give me a phone number to speak with anyone. I am trying to pay my mortgage off early and it is obvious that Carrington Mortgage does not want me to do so. I am frustrated and want the {$13000.00} extra I have paid applied towards my principal ASAP!
08/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 151XX
Web
In XX/XX/2020, I applied forbearance for my mortgage with Carrington Mortgage. I was ready to come out of forbearance and submitted my information. They extended the forbearance without asking while they performed their paperwork. I accepted the repayment plan for past months that were associated with the forbearance. My first payment is due on XX/XX/2020 and they reported a delinquency against my credit reports. I asked them why they did this and they stated it was part of the acceptance of the agreement. Nowhere in the plan I signed does it say there would be a delinquent reporting against my credit. If I know this, I would have never accepted the payment plan and just submitted what was due. Also, doesn't the Cares Act protect me from this?
09/17/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60443
Web
Dear CFPB, it is not over 90 days asking my mortgage company help to avoid foreclosure and all they keep doing is requesting for the same documents over and over again. it got to a point where I'm faxing the same documents every week to them. i am now in foreclosure with a sale date and CARRINGTON MORTGAGE - Loan Servicing / Supervisor XXXX id # XXXX refuses to help me because she said due to my background the investor of this loan refuses to help me avoid foreclosure. Therefore it is not on their best interest to help me. i asked for her manager and she keeps telling me they all are on vacation and they will come back until the end of the year. Please help me since all im asking is help to avoid foreclosure and save my home. XXXX XXXX
05/11/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • WV
  • 253XX
Web
I 'm in hardship I had to take leave from my work to take care of my XXXX father. I filled out all the paperwork to try and get some help when I got behind on my payments. They did n't want to work with me and denied me. The sent me a certified letter to pay XXXX by a certain date with a cashiers check and overnight it to an address. So I got everything ready and than I talked to them thank god because they gave me the wrong address on my certified letter. They said that was there old address. So if I would have overnights XXXX to them they would n't have received it and my house would be foreclosed. They do n't offer anyway of catching up. I have friends with there mortgage they have help and they work with them so they wo n't lose there house.
11/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • SC
  • 295XX
Web Older American
My mortgage was transferred to the new company they dont care about customers its like a pre read statement no matter who you talk to and they all say the very same thing it takes for ever to talk to someone and get results cause they dont care When I was transferred my insurance was due on my condo I was so nervous I paid {$200.00} so it would be active now my taxes are due they received the bill and Im still waiting for them to pay them They take way more money each month for escrow which my taxes and insurance are about {$900.00} a year for both right now there is enough to pay both I hate that they treat me like I dont know what Im talking about Please help with this stupid company I would love to transfer but I dont have the funds to do so
02/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 64068
Web
Carrington Mortgage overpaid our insurance company. So on XXXX XXXX, 2016, I submitted a payment for {$1400.00} plus the {$15.00} phone charge to assure the entire payment was applied to the escrow account. I was given a confirmation number and assured all the money would be applied to escrow. Today, XXXX XXXX, 2016, I received notice they applied part to my escrow and part to a mortgage payment, effectively screwing me out of {$200.00} and raising my monthly payments by {$55.00}. What a convenient way to get more interest from our loan. I have read so many complaints against them. It was not our choice to have them as a mortgage company. Principal mortgage sold our loan a little over a year ago and it has been nothing but a hassle ever since.
09/06/2022 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 907XX
Web Servicemember
Mortgage serviced reporting both incorrect and/or no payment information at all. XXXX was transferred to present servicer in XX/XX/XXXX and I started making payments to them that same month. The servicer only started reporting my account on XX/XX/XXXX, its being reported like its a new loan and not a transfer, it showing only XXXX payment made on XXXX and no payments made on XXXX, its showing the wrong payment amount, but shows my loan was opened on XX/XX/XXXX. I contacted XXXX XXXX XXXX directly to ask them to fix this and tried to file a complaint, but Ive been getting the run around for almost XXXX weeks. This issue has caused a more than XXXX point drop to my XXXX XXXX and is causing great financial harm to me and my family with each day.
08/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78754
Web
Carrington Mortgage Company I want to know if the following actions taken by this mortgage company are legal : 1. As of XXXX 2017, the company charges {$5.00} to process my payment online. The payment is not late. 2. When XXXX XXXX XXXX sold my loan to Carrington, the company raised the amount that I need in escrow two years in a row. The excess funds are returned to me at the end of the year, which indicates that I am being charged too much. 3. I was told that the only way I can get a new mortgage company is to refinance. I am within the last 10 years of my loan, so I do not want to refinance to a 15-year note. This is a terrible company that is not responsive to its customers. Just look at all of the complaints online. Can anything be done?
03/02/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 604XX
Web Servicemember
As of XX/XX/XXXX the State of Illinois has granted XXXX % exemption from property taxes to any veteran homeowner who is considered XXXX or more XXXX by the Dept of Veterans Affairs.Carrington Mortgage services has been provided with this information and my rating with the VA.I am rated XXXX % total and permanent.They are stating I must wait for the second installment tax bill before they act.The state has already stated in this letter that I will recieve a refund of the first installment payment.This letter also states that no future tax bills will be due as long as my rating is unchanged.ref ; XXXX % XXXX.It does not state the mortgage company must wait to make any changes or refund any monies being held for a payment that will never be due.
06/11/2015 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • NY
  • 14120
Web Servicemember
My closing date for my mortgage with Carrington Bank was XXXX XXXX. It is now XXXX XXXX 2015. After being told it was clear to close over XXXX weeks ago by my broker, it is still not closed. Every day they keep asking for something else and why was n't this asked XXXX MONTHS ago. I signed the contract on XXXX XXXX and my closing date was supposed to be XXXX XXXX, 2015. My concern is they keep questioning me about my status with my divorce and I was FORCED to file for divorce because of their internal " guidelines '' and just on Tuesday I was asked why I was getting a divorce and to explain my reasons to them. I have been so upset about their questioning. I think the Mortgage company has crossed the line by asking for my reasons why a divorce.
01/05/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30066
Web
My home loan was transferred from XXXX XXXX XXXX to Carrington mortgage at the XX/XX/XXXX/XX/XX/XXXX. We were told we had a grace period to start paying on the loan with the new company. But thought better and made our payments on time. Never missing a payment. But Carrington started sending us threating statements about us being behind. They never got back with us when we sent in information that we were current on our mortgage. I went from having EXCELLENT credit to fair credit in months and it's not changing. Our mortgage gets paid every month on time. But when I just checked my credit report Carrington has us behind 30-59 days for the last 7 months!! We need help dealing with this company. I take pride in paying all our bills on time.
09/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 17109
Web Servicemember
I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.
04/19/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • AR
  • 719XX
Web
IM RECEIVING LETTERS OF INTENT OF FORECLOSURE FROM MY MORTGAGE COMPANY AND IVE MADE MY PAYMENTS I HAVE MADE THE LAST 2 MONTHS OF PAYMENTS AS PARTIAL PAYMENTS BUT THE WHOLE AMOUNT FOR EACH MONTH HAS BEEN SENT TO THE MORTGAGE COMPANY. EVERYTIME I CALL THEY TELL ME THAT THEY DONT SEE WHERE IVE MADE A PAYMENT BUT I KNOW THEY RECEIVED IT BECAUSE IT HAS BEEN TAKEN FROM MY CHECKING ACCOUNT JUST LIKE IT ALWAYS HAS SINCE MY LOAN WAS SOLD TO THEM. THE MORTGAGE COMPANY HAS SENT SEVERAL CERTIFIED LETTERS OF INTENT OF FORCLOSURE AND HAVE HAD A CONTRACTED PERSON COME TO MY HOUSE AND SERVE PAPERS AND WANTING TO TAKE PICTURES OF MY PROPERTY. IM NOT EVEN A MONTH BEHIND ON MY PAYMENT SO I DONT UNDERSTAND WHY ME AND MY FAMILY ARE BEING HARRASSED LIKE THIS.
12/01/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • FL
  • 33625
Web Servicemember
My loan is a VA Loan. I was put on a COVID Assistance deferment since XX/XX/XXXX. I have now paid them what I owe them for the XXXX year. I still owe them for XXXX year. However, I became XXXX XXXX XXXX XXXX XXXX XXXX Vet as of XXXX. The tax exemption does not take effect until the following year XXXX. I believe there is an Escrow error and have submitted in writing for an Audit to be done. Carrington Mortgage, will not back date my Escrow since my property taxes went from {$8000.00} in XXXX to now {$780.00} in XXXX. My XXXXXXXX Mortgage payment was {$3100.00}. After an Escrow Analysis done on XXXX, my Mortgage payment should be {$2200.00}. Carrington wants me to back pay them {$3100.00} for the XXXX year instead of {$2200.00} a year.
09/18/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30680
Web
Carrington Mortgage brought our Mortgage from XXXX XXXX XXXX. They took procession of the loan on XXXX XXXX 2016. At the time they took over the loan we were paid up to date. ( NO missing or late payments ). Carrington started off saying we owned the XXXX payment. We 've called, faxed, sent certified letters showing we made the payment, but yet, they insist we are behind. We sent them the statement we received on XXXX XXXX from XXXX showing we were current ( NOT missing a payment ). Anyway, Carrington insist we are now behind over {$5000.00} because for some reason they hold checks and cash checks WITHOUT applying the funds to the mortgage. Calling and talking to them is like talking to a brick wall. No one keeps records of anything!!!!
10/28/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30736
Web Older American
I received my morgage statement for XX/XX/2019. I paid the amount shown in full. They casged my check on XX/XX/XXXX. On XX/XX/XXXX I received a notice of late payment plus added late fee. I called and was told the original mortgage bill was in error and that they had sent me an escrow statement and it had my correct mortgage amount on the back. Nowhere on the statement was there anything saying it was a bill. They did not send a bill saying the made a mistake and I owed more money. Instead they send the notice of not receiving any payment at all and I have to pay a late fee and i will be reported to the credit bureau. They refused to delete the late fee. Under duress I paid it. I feel I am owed an apology and a refund of the late fee.
09/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 295XX
Web
To whom it may concern : I have been trying save my home for the last several months. My lender keeps insisting my home is non owner occupied. I am here and have been living in my home. For the past 30 days my counselor XXXX XXXX has been fighting with them to save my home but the underwriters continue to fight back and insist that my home is not my home. That it is non owner occupied. My husband and I have been here for years! They can send whoever they want to my home and check that I am here. I have also sent several documents for proof that I am living here. They continue to ignore me! How is one single person going to decide if I am not living in my home! This is absolutely insane. I am trying to save my home, please help me!
07/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 275XX
Web
Carrington Mortgage is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with Carrington Mortgage. It was late in XXXX, but I have confirmed multiple times ( directly with Carrington ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, XXXX, and XXXX XXXX ; but Carrington Mortgage continues to confirm the delinquent status to the credit bureaus. So essentially, Carrington Mortgage is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.
06/26/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 327XX
Web Older American, Servicemember
Owned home since 2020 my mortgage was sold to current mortgage company and my payment went up XXXX. Tried to talk with mortgage about the increase in payment I was told my taxes increase and home owners increased and my flood insurance increased. Talk to my home owners about the increase it has not increase talk to the flood insurance company about the increase it has not increase looked at my taxes they have not increased. My escrow went from XXXX a month to XXXX a month Carrington mortgage has not provided any information or have I agreed to and increased escrow. Carrington has not made any effort to explain why the increase and it impossible to get a direct answer. I would like to make formal complaint about Carrington Mortgage
12/28/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30274
Web Older American
I used to have XXXX as my mortgage. Then my account was sold to Carrington mortgage company XXXX this year. I used to have XXXX bank account from which XXXX drafted my mortgage payment every month. Carrington drafted the mortgage money in XXXX from the XXXX account. However, I close the XXXX account because I do not need another bank account. Then I sent the check to the Carrington in XXXX which was accepted. Next month, I send the check amount of {$1100.00} on XXXX/XXXX/15 which is returned. The reason was I closed the XXXX account. They demand to send certified check, which I did. They accepted this payment. I wanted Carrington to draft the morgage money from my bank account. They said " no '', with no particular reason to me.
05/26/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CO
  • 80916
Web
I fell behind and tried to arrange payment with Carrington mortgage in XXXX. It was agreed I will catch up on XX/XX/XXXX. ( Last payment made was for XXXX ). When I attempted to make a payment Carrinton refused to take my payment saying they already started foreclosure procedures on XX/XX/XXXX ( when I was only 93 days delinquent ) dispute my explaining the situation and attempting to resolve the issue. They said they would get a reinstatement amount for me but continue to delay it, making me fall past the 120 day mark in which feels intentional. I get no response on a way to take care of this from them and I just want to catch up and get back to normal. They have added additional fees in addition to late fees on the amount owed.
03/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60411
Web
This is in response to a previously " resolved '' claim. The claim number is XXXX. As a result of this complaint, Carrington Mortgage Services agreed to redact or suppress all credit reporting and remove late charges for the dates XX/XX/XXXX through XX/XX/XXXX. They did suppress credit reporting, but have refused to remove the late charges, even after I have continuously called and complained. This mortgage company has given me nothing but trouble regarding any issue I've had, and the late fees have still been piling up and attached to my account. I am seeking to have them removed, and at this point, I think the only way I can get this done is by filing an additional claim. I have attached the document in which this is explained.
10/20/2015 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • NH
  • 03060
Web
I am in the process of refinancing my mortgage and when the newcompany pulled my credit report they found that my currentmortgage company listed me as being in forbearance. That isnot true, I am current and have never been late or missed a payment. I contacted the my mortgage company and explained what wasgoing on and asked for a letter to show the error. They told me thatall of their customers were incorrectly listed that way and that I hadto wait XXXX weeks to get some kind of letter. I was directed to writeto their research department and they have not even acknowledgedmy letter. I need to have the refinance done by the end XX/XX/XXXXdue to a court order and I can not move forward without the letterfrom the mortgage company.
07/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11434
Web
As instructed by the State i have contacted Carrington Mortgage Services in XXXX, XXXX about being impacted by the pandemic. Instead of helping, in XXXX i received a letter of intent to foreclose and report me late XXXX, XXXX, XXXX and XX/XX/XXXX. My unemployment did not take effect until XX/XX/XXXX. I used all the proceed to catch up on all payments. As of XXXX my account was current. I filed complaints to their advocates and the NYS XXXX. I sent proof of my phone log and my unemployment status. XX/XX/XXXX I received a mea culpa letter of forbearance effective retroactively XX/XX/XXXX, They admitted their error but refused to remove the negative entries as mandated by the State when you are impacted by the crisis. Please help.
01/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07071
Web
I have been applying for loss mitigation assistance with Carrington Mortgage Services , LLC for the past 7 months. I have provided all documents 5 different times and on the phone they say they have everything they need. Then after a couple of weeks I receive letters stating that they need additional documents but they do not state what documents are needed and when I call them they either say they don't have everything or the time has lapsed on certain documents which I in return send them the updated documents immediately. I have email trails for sending them everything multiple times. Also have mailed them with USPS on multiple occasions. I just would like to pay my mortgage every month and not be worrying about foreclosure.
03/13/2019 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • PA
  • 17543
Web Servicemember
Carrington approved me for a short sale or DILF because I lost my prior job and had to move to XXXX, XXXX from XXXX and no longer live in the home. It is vacant. They again conditionally approved the short sale and we have received a short sale offer for the full price of the approved amount, {$460000.00}. The home was appraised by Carrington at {$550000.00}. The mortgage balance is {$580000.00}. Carrington initially approved the short sale but now has said VA Guidelines are denying the short sale. They told us that it was approved and even spoke to our sale agent and had him list the property. We now have an offer from a cash buyer and can not get our short sale to closing. Please investigate Carrington 's business practices.
01/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • RI
  • 028XX
Web
My mortgage recently transferred providers, during this transfer my credit was pulled without my consent and has since dropped my credit score dramatically. XXXX XXXX Ran my credit without my consent or knowledge, I am not sure who this company even is. Since then, my mortgage has not been reported on my credit report and currently has that I do not have an open mortgage account, which is incorrect. I have had a mortgage since 2019 and have transferred providers before with no issue, and no credit was pulled then. My credit score has dropped dramatically, dropping XXXX points, from XXXX to a XXXX. Very frustrated and concerned with the fact that this company got all of my information and then ran my credit without my consent.
10/25/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 086XX
Web Servicemember
the problem was XXXX XXXX XXXX sold my account to Carrington mortgage services.llc the deal that went down is what I can't understand, after Carrington services.llc brought the mortgage -they analyze my mortgage and found that some how I owe XXXX, coming from XXXX XXXX XXXX not paying for my ins . on my house, and I call XXXX XXXX XXXXXXXX and they said they made the last payment before they sold my account.so if XXXX XXXXXXXX XXXX did what they say did, who fault is that.they brought my account without analyzing the account they own that misstep.be mind as all this went down I was in bankruptcy. my transfer date was XXXX I want to know is their any for remedy for this misstep.i mean can Carrington make pay for they folly.
09/01/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NV
  • 89436
Web Older American
Our XXXX loan was sold to Carrington Mortgage Services. After two months, they said we could get into a program to reduce our indebtedness on our home since we were underwater. Carrington then sold the loan to XXXX XXXX for approximate value of our house. Carrington was paid in full for the loan yet they reported that we short sold the loan. Since we still live in the house, this is impossible. Senator XXXX XXXX 's office has stated that we were not in any Nevada home refinance program. Note that Carrington purchased the loan in XXXX 2014 and sold it in XXXX of 2014. The report on our credit prevents us from obtaining lower interest in a refinance for three years. Note also that we never signed any paperwork with Carrington
03/13/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76137
Web
In XXXX my mortgage with Carrington mortgage was paid in full, address of XXXX XXXX tx XXXX. I have requested a breakdown of my escrow account and my last payment on three occasions due to a dispute concerning the final escrow distribution. Carrington mortgage refuses to explain how they reached the amount of the escrow distribution, continuing to say the loan is closed and they do n't have access to the data. In Carrington 's view the amount they sent is final and not to be questioned. When the escrow company requested a payoff an additional payment was made by myself afterword. The escrow company sent the original payoff which did not take into account the additonal payment which I have yet to receive back from Carrington.
02/27/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 331XX
Web
Carrington Mortgage has dragged its feat and unnecessarily delaying the processing of XXXX XXXX ' application seeking to modify her FHA loan, thereby damaging XXXX and XXXX XXXX. Carrington has taken more than 6 months to evaluate this application with a seemingly qualified borrower, but has utterly failed to communicate and to consider this request for mortgage assistance in good faith. Carrington Mortgage has failed to live up to its covenenant of good faith and fair dealing by failing to consider and evaluate XXXX and XXXX XXXX for a loan modification for their FHA loan, thereby violating the FHA Mortgage Servicing guidelines. The subject property address is as follows : Property AddressXXXX XXXX XXXX XXXX , OH XXXX
10/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75104
Web
We submitted a complaint to the CFPB on XX/XX/XXXX regarding a servicing issue with Carrington Mortgage ( Complaint # XXXX ). Carrington Mortgage refused to use borrower 's pay stub to calculate income because pay stubs did not have year to date income totals. We sent a written response to Carrington from the borrower 's employer on the employer 's letterhead providing those year to date totals. On XX/XX/XXXX Carrington provided a response to the CFPB saying they needed more time to respond but sent a notice of cancellation dated XX/XX/XXXX to the borrower. However the CFPB has not received the same correspondence from Carrington Mortgage stating the file is canceled because the file remains open according to CFPB records.
04/23/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30094
Web
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
01/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 07105
Web
I have a loan with XXXXXXXX XXXX. The current status should not be showing late because I paid it on time XXXX, XXXX and XXXX Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}
09/19/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 78382
Web
I suffered an identity theft and fell behind on my payments due to a lack of work stemming from the identity theft. I contacted my mortgage company approximately 10 months ago to try and modify the loan to help me save my home. I have received terrible communication, if and when I actually received a response from them. I have been told three different scenarios on what is required to modify the loan and Im now being told the only avenue I can go is one that would possibly put me at risk of being injured or killed. They are requiring a document to be signed by my ex-wife, whom I have proof of which explains she and her current boyfriend were the ones that stole my identity and took out life insurance policies against me.
10/27/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30122
Web Servicemember
We are currently in the process of a short sale. Unfortunately the lender 's inspector is making regular visits to our home and has stolen XXXX items from the home and continue to damage the property. Initially the locks were destroyed and now the garage door has been destroyed. It appears this individual is deliberately trying to further destroy our property every time we file a complaint about the damage to the property. The new buyer should not have to be responsible for repairing these damages because they were not there when she viewed the home and made an offer on the home. Every week we find some damage done inside of the home and the inspector is the only one with a key, besides my husband. This needs to stop!!!!
03/18/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 305XX
Web Older American
My escrow account has missing funds. This has been going on since my bankruptcy was paid and closed. Ever since my escrow has been missing money and my mortage payment keep going up. They paid more to insurance Co that was not correct amounts. They were rude and wouldn't help me understand why even going as far as to say they can't look up my information I asked for about my escrow account. They keep saying I was in the negative but wouldn't explain. They paid my last insurance Co more money than was my bill. Then when I changed insurance they paid them twice. XXXX XXXX sent them XXXX and my insurance sent them back one of the payments of XXXX they state I only have XXXX this has been going on since iv been with them.
12/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27406
Web Servicemember
I have applied to refinance my home mortgage for a lower interest rate. The loan documents submitted to me included another client information. Which is a breach of personal information. I was provided with their loan documents credit history, credit card account numbers and their entire credit history. I contacted the company and spoke with the manager XXXX she acted as if it was no big deal. I want this company investigated to ensure not only MY information is secure but all of their customers information is safe and secure. This is a breach of personal information that could be very harmful to anyone. Their entire life has been comprised and I feel as if my information could have been given out to someone in error.
10/30/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NE
  • 68901
Web
My mortgage was sold from XXXX XXXX XXXX to Carrington Mortgage services in XXXX of 2015. I continued my monthly payments to Carrington starting XXXX 2015. Carrington states they raised my escrow payment beginning XXXX 2015. I never received any notice of this increase. They started not applying my payments in XXXX 2015 because it was not enough for the payment they had raised. They started charging me late fees and eventually reported late payments to credit bureaus. They did not call or send any correspondance regarding my payments ever. I found out after shopping for new hazard insurance and finding derogatory reports on my credit. They claim their actions are legit because they claim they sent me increase notice.
05/27/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NM
  • 87111
Web
During Covid-19, my mortgage was palced in Forebarance. I was told then i started the forebarance that my payments would be added to the end of the loan. I have been trying Since XXXX of XXXX to get out of forebarance and start making payments again. Carrington is telling me that they can not simply just add my payments to the end of the loan. Since XXXX of XXXX Carrington has been reviewing my loan for a modification. As on XXXX XXXX they are still revieing me for a loan modifiaction. Their lack of action on this is putting me in incrasing jepordy of loosing my home. I have not made any payments because I want to know how they are going to resolve the amout that is behind. And they can not tell me this information.
12/31/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • ME
  • 047XX
Web
On or around XX/XX/2015, I was notified by mail that XXXX XXXX XXXX was selling my mortgage to Carrington Mortgage Services ( CMS ). Since XX/XX/2015 I have been UNABLE TO MAKE ANY ADDITIONAL PRINCIPAL PAYMENTS TO THIS ACCOUNT. The prior history shows that I have always paid {$800.00} per month for a monthly loan payment of {$760.00}. It may not seem like much but {$36.00} extra each month adds up over the life of a mortgage. I have contacted Carrington numerous times with NO RESOLUTION. I pay on time, each month. I do n't think this is legal. When my loan originated, there was a no prepay clause. They assumed the loan, they should be required to HONOR the terms, just as I am expected to pay according to the terms.
09/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34953
Web
MY MORTGAGE WAS SOLD FROM XXXX XXXX XXXX TO CARRINGTON MORTGAGE AND SINCE XXXX 2015 THEY HAVE SENT ME CERTIFIED LETTERS THREATENING TO FORECLOSE ON MY HOUSE BECAUSE THEY SAID I MISSED A PAYMENT WITH XXXX XXXX XXXX WHEN I HAVE PROOF FROM XXXX XXXX XXXX THAT I NEVER MISSED XXXX PAYMENT WITH THEM AND I ALSO HAVE PROOF THAT I HAVE NOT MISSED A PAYMENT WITH CARRINGTON EITHER. I HAVE CALLED SEVERAL TIMES AND EACH PERSON I SPEAK TO TELLS ME SOMETHING DIFFERENT. I ASKED TO SPEAK TO THE SUPERVISOR AND THEY ALWAYS SAY HE IS NOT IN AND THEY PUT ME THROUGH TO HIS VOICEMAIL AND HE NEVER RETURNS MY CALLS. THIS COMPANY IS VERY SHADY AND UNHELPFUL AND I DO N'T KNOW WHAT ELSE TO DO TO FIX THIS. I REALLY NEED HELP TO MAKE THIS RIGHT.
09/18/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76052
Web
My VA mortgage was sold in XXXX 2015 by XXXX XXXX XXXX to Carrington Mortgage services in the middle of an assumption ( my name is to be removed and the co-borrower is to remain ). The new servicer ( Carrington ) has no record of the in process assumption and asked that all the paperwork be forwarded to their research department in XXXX. The paperwork includes the release of my VA liability from the VA. Carrington stated it would take the research department 30 days to process the paperwork. They were contacted again in XXXX and no one had any record of the paperwork being received or processed. They also provided no contact info for any one at the Research Department. Just submitted the paperwork for the XXXX time.
06/01/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 275XX
Web Servicemember
XX/XX/ 2023 a imposter claiming to be an agent from XXXX XXXX call me and said your paperwork came across my desk and Im going to approve this forbearance plan all you need to do is to follow my instructions we get you back on track. Yes so happy to hear all the headache I was going through was finally over I send the 2 payments as instructed. When I was on the phone with XXXX XXXX which was his name I told him to hold on a the real agent from XXXX XXXX had called I told them to please allow me to click them in together thats when I found out XXXX XXXX was a scammer. He knew Everything about me. Im out of money which I know I will never get back but the number is in order still and they preying on innocent people.
01/24/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 48223
Web
I experienced a hardship due to covid around XX/XX/XXXX. I called Carrington Mortgage and was put in a forebearance program. The forebearance was up in XX/XX/XXXX. I called back and was told that my forebearance was up. I spoke to someone in their customer service. She stated that I would be put in another forebearance plan. She said that I did not have to call back and would be put on it for another extension. I called back a month later and they said that they did not say that. I called the advocate Dept and was told to fill out the loss mitigation application. I done that and was told they would look into what was told to me by management. I have been getting the run around and just trying to protect my credit.
09/30/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 19047
Web
I was not told by XXXX XXXX XXXX that my loan went to cArrington mortgage service on XX/XX/2016. When I called to pay today XX/XX/2016 they told me. I called cArrington to make a payment and told me they are not willing to accept anything but the full amount I was behind. I am behind 4 months which has been going on for the last year since I was unemployed. I have been paying XXXX XXXX XXXX each month my payment plus an extra XXXX to catch up. They refuse to accept XXXX payment today when my regular payment is XXXX. Will only accept XXXX the amount due and refuse to work with me. They want me to go even further behind. I am trying to catch up and have been making payments every month for the last year. I need help
05/10/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • UT
  • 84119
Web
Carrington mortgage has been habitually tacking on " uncollected fees '' I bring my account current, and it states your next payment is due on the first of the month. The interface is designed in such a way not to show any outstanding amounts, but I continually get this 'uncollected fees ' with no provenance or explanation as to what these fees are. Speaking to frontline agents or managers has been useless. I registered a complaint with the escalations department, and the resulting letter was we don't see a problem here. I have never received an explanation of what an uncollected fee is. Carrington Mortgage needs their business practices audited, if this is happening to me it's probably happening to someone else.
03/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20774
Web
I have been calling to get my account and credit updated at Carrington Mortgage Services. My account had been in forbearance, but I have been trying to get it removed since early XXXX. First, I was told it would automatically end and I could not end it early. Then, after weeks of calling because the forbearance was still showing, I was told that it would not end unless I paid the back due amount. So I paid the back due amount, and my account still has not been removed from forbearance and my credit report has not been updated. Every time I call I am told something different and it never matches up. I have dealt with many banks for many reasons and this is by far the worst one I have ever been forced to deal with.
01/05/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33415
Web Older American
DURING THE COVID PERIOD I FELL BEHIND ON MY MORTGAGE AND THE LENDER FILED FORECLOSURE. I REQUESTED AND RECEIVED A REINSTATEMENT LETTER DATEDXXXX XXXX XXXX XXXX XXXX XXXX WHICH I DID.INCLUDED WAS AN AMOUNT OF {$8700.00} WHICH PRESUMABLY WAS FOR LEGAL. THE FLAT FEE CHARGED FOR THE ATTY. LENDERS LEGAL WAS {$5900.00}. XXXX XXXX XXXX XXXX XXXX THE ATTY. ADDED PARALEGAL FEES THAT WERE NOT TO BILLED AND SHOULD HAVE BEEN COVERED BY FLAT FEE CHARGED. NOT WITHSTANDING THIS EXCESSIVE BILLING CARRINGTON IS STILL STICKING ME WITH ADDITIONAL AMOUNTS OF {$4300.00} ( EX " A ) AND REPORTING IT AS DELINQUENT. ALL I OWE IS MY REGULAR MONTHLY PAYMENT. I AM NOT SUPPOSED TO OWE NOT XXXX XXXX XXXX FURTHEMORE MY PAYMENTS ARE CURRENT
04/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22407
Web Older American
Carrington Mortgage services llc, XXXX, CA XXXX did take negative, uncalled for actions on my property XXXX XXXX XXXX XXXXXXXX, VA XXXX which I sold on XXXX XXXX, XXXX. I did complain about their lousy actions and asked for appropriate restitutions. They denied my request vide their letter dated XX/XX/XXXX. Justice be done to me by overruling their actions of cutting off electricity, water and gas connections and placing a lock box on my house on the morning of XX/XX/XXXX. It is a fact that I was behind on the mortgage by two months and they were informed of all development in the case right from the time the property was listed for sale in XX/XX/XXXX. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
03/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 604XX
Web
I submitted my XXXX XXXX mortgage payment via Carrington Mortgages automated payment system on XXXX/XXXX/2016 for XXXX/XXXX/2016 which was a Sunday. This was done electronically so I assumed it would post but I knew it wouldnt process until the next day. The automated system stated that payments on weekends and holidays would PROCESS the next business day. It did n't say post the next business day. So Carrington posted my payment for XXXX XXXX although even the documentation they sent me states XXXX XXXX. This caused me to receive a 30 day late on my credit. I disputed this with their research department who refused to correct the 30 day late. I feel this is unfair credit reporting and wish to have it rectified.
09/04/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Payment process
  • TX
  • 77304
Web Servicemember
Carrington Mortgage kept sending me advertisements to access equity in my home- I don't want to access equity in my home nor will I be selling my property to the investors behind XXXX. I checked my payment history and it is all over the place. They reversed payments, then reapplied payments. I purchased my home using my VA loan back in 2018 and the balance is way higher than it was when I had a loan with XXXX - something is not right. XXXX : XXXX XXXX XXXX XXXX and all it's affiliates are to cease and desist with their XXXX XXXX campaign under XXXX XXXX XXXX and stop targeting my property and attacking my finances. I am a Veteran and what has been done over the years is illegal, immoral and unconstitutional.
02/25/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21234
Web
We received a FINAL NOTICE from the City of XXXX that our property taxes were not paid for the tax year XXXX. We had no idea, as we pay through escrow with Carrington Mortgage company. Apparently Carrington did not pay our property taxes, and now the City of XXXX is planning on selling the lien to our house if these taxes are not paid. We have contacted Carrington multiple times. They have said that it was their fault and they should pay, then they said, they could n't get in touch with XXXX City. We are now a couple days away from the final pay date, and the bill has not been paid, and we are probably going to lose our home. We have NEVER, in 12 years even been late on a mortgage payment. This is unacceptable.
12/19/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 71107
Web
Carrington Mortgage XXXX refuses to take my payments and only is interested in foreclosure. I have tried several times to get caught up but they refuse to do anything. They tell me to make payments, I try, they send them back, then place my property in foreclosure forcing me to pay exorbitant fees. Their mortgage assistance process is for show only. They only do it because its a legal requirement. I have paid these people over XXXX dollars in the last 3 years, almost none of it going to my actual mortgage. The internet is full of other people with the same complaint. They should not be allowed to do business at all, much less be able to service government or low income loans. All they wish to do is foreclose.
12/03/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AK
  • 997XX
Web
I have made extra payments to my mortgage regularly. In XXXX, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. Since I have not yet made an extra payment with Carrington, I called last week to ask them how to make an extra payment and have it applied to the principal. They told me to go online and select " additional payment, '' and it would automatically be applied to the principal. I did, and my extra payment was applied mostly as a monthly prepayment, with only {$46.00} going to the principal. There are already thousands of complaints posted against Carrington for finding creative ways to make sure your extra payments don't go towards the principal. Why hasn't this company been shut down????
10/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • IA
  • 515XX
Web Servicemember
I have repeatedly asked my mortgage company to report my perfect payment history since Ive had this loan XXXX XXXX ) when it was transferred/boughten by this current company all reporting ceased. Ive never Missed a payment or been late. Im the primary on the loan, however my ex husband is getting all the perfect payments history reported on his report monthly, which is fine ( we are both on the loan ) however I should most certainly be getting the reports of perfect payments since Im The one making them and I own the home. The last communication with mortgage lender was today and I did as they asked, pulled my 3 bureau report and they are nowhere on that report. I Just keep getting the runaround with them.
03/21/2022 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33139
Web
My XXXX XXXX Mortgage was sold to Carrington Mortgage. The Last Last Report Date from XXXX XXXX to the Credit Bureaus was XXXX XXXX. Carrington reported to the Credit Bureaus on XX/XX/XXXX, showing that I was Currently 120 Days Past Due, and my last late payment was XX/XX/XXXX. This information is incorrect. The Loan is not past due. The Information that Carrington is reporting as current is the information as of XX/XX/XXXX. I am unable to apply for a Mortgage Loan due to the reporting of inaccurate information from Carrington Mortgage. **NOTE : I am one of 2 borrowers on this Loan. One Borrower filed Bankruptcy. That Borrower included this Mortgage Loan in his Bankruptcy Filing. I did not file Bankruptcy.
01/09/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33027
Web Older American, Servicemember
In XX/XX/2022 I applied for a forbearance loan modification with my mortgage company XXXX XXXX XXXX I asked if they could put the money ( {$25000.00} ) I was behind on to the back of the loan. Instead, they did something that was very odd, they took {$120000.00} out of the {$450000.00} mortgage amount and separated it into a 2nd lien. I wanted to put the entire mortgage amount together because I wanted to use my equity, but to do this I would have to refinance for a higher interest rate and that is just too much. I have asked XXXX numerous times if they could put the loan back together, and they said no. I'm asking for your help to consolidate my loan back together at the original interest rate. Thank you.
08/22/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70433
Web
I received a Notice of Servicing Transfer on XXXX/XXXX/XXXX stating that XXXX XXXX sold my loan to Carrington Mtg Services LLC effective XXXX/XXXX/XXXX. I called Carrington Mtg on XXXX/XXXX/XXXX to see what my new account number will be to reference on my mortgage payments. They stated that it will take 4-6 weeks for them to board my loan and that I need to call back every week to see if they have put my loan on the system. They state they ca n't accept a payment until it is on the system & they claim I wo n't be late until 60 days after the transfer. They ca n't give me anything in writing stating this & its absurd that I have to call every week to see if they did their job to make a payment on my mortgage.
02/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 492XX
Web Older American
Had difficult XX/XX/2020 making my mortgage payment on time due to the coronavirus I was 29 day late just for one month Ive been able to keep my head above water during the pandemic Carrington mortgage showed on my credit report that I was 30 days late I have wrote them a letter and explain my situation for that month I received a letter back. Stating that they were obligated under federal law to report my 30 day late payment to the credit bureau I feel like that I did a pretty good job at keeping my bills paid during this pandemic I have got my mortgage caught up to date now I am not even running late and hope that this will help me delete that late payment for my credit report which dropped at XXXX points
10/04/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 78232
Web Servicemember
This will be my second complaint against XXXX XXXX. My previous one Ref # XXXX almost caused me to lose my house due to their negligence and non willingness to help me. I'm writing this complaint because now they are trying to charge me a " Foreclosure Appraisal Fee '' for XXXX XXXX In their response to my previous complaint they said - " Finally, as a commitment to highest standards of customer satisfaction, the foreclosure action was cancelled and all foreclosure related fees and/or costs and property inspection fees will be waived. '' Why are they trying to sneak in fees that they caused themselves? If I didn't check my statement I would have paid this astronomical fee for no reason. I want to know why.
10/20/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32068
Web
Due to Hurricane Ir ma in XX/XX/XXXX in XXXXg Fla I call my mortgage company Carrington Mortgage Service the following week and advised that based on the Forbearance law or act that I needed two months of payments added to the end of my mortgage term, This was done immediately. I received a document from Carrington advising me to fill out RMA Request For Mortgage Assistance. I am totally confused since they are requesting me to make XX/XX/XXXX and XX/XX/XXXX payments no later than XX/XX/XXXX. I was not given this information when talking with the first CSR on XX/XX/XXXX This complaint is regarding the Forbearance. Refraining from the enforcement of something such as a debt, right or obligation that is due.
03/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 447XX
Web
Since 2018 Carrington Mortgage took over my mortgage from XXXX XXXX. I have been making my mortgage payments online thru Carringtons website instead of mailing checks. I have now found they have been adding on a XXXX dollar processing fee to every payment I made online thru their website. This is a deceptive business practice by them and also a violation of the fair debt collection practices act. They are only allowed to charge the actual cost to process the payment which is about XXXX cents not XXXX dollars. I have been getting charged this XXXX dollar fee for somewhere around 3 or 4 years now and believe they should refund the differnce between the fee charged and the actual cost to process the payment.
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95340
Web
I have a loan with CARRINGTON MORTGAGE SE XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CARRINGTON MORTGAGE SE with no successful resolution. XXXX, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.
12/06/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • NJ
  • 08046
Web Older American, Servicemember
My family and i have been trying to settle this debt for 3 years with this company. We have filed multiple complaints with CFPB to try to force the issue but they were unwilling to do that for a reason we can't fathom. Now they have filed a lawsuit and their legal representative clearly stated on a court mandated conference call 'they just want what they are owed. ' We thought about it and realized that selling the property would settle the account and end this. It hasn't. We have found an investor that is willing to write a check ASAP for the full {$220000.00} that they are suing us for but they are dragging their feet. None of this makes any sense that any us can comprehend, my family or the investors.
06/06/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • XXXXX
Web Servicemember
In XXXX of 2023 I tried to make a payment on the Carrington Mortgage Services , LLC App. I could not because the blocked my credit account for no reason. I called Carrington Mortgage Services, LLCs customer service to unblock my account they said they did and proceeded to place my monthly payment over the phone, that payment was processed successfully through the phone operator. Im trying to pay my monthly mortgage payment with Carrington Mortgage Services , LLC in XXXX and I can not because they are still blocking my Credit Account. They are blocking me on the App and on their Website. I can not make my mortgage payment on time while they are continuously blocking my credit account to make the payments.
04/28/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OH
  • 43004
Web Servicemember
XX/XX/2023 - made XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - scheduled XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - attempted to schedule XXXX mortgage payment, but the payment system was going to apply a late fee for {$89.00} XX/XX/2023 - I suggested to the representative that she present the issue to management, but instead she transferred me to another representative named XXXX XXXX operator ID XXXX ) who said that the system does not have the capability for me to submit the payment and that I have to wait until the month of XXXX to submit the XXXX payment.
08/28/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • LA
  • 70460
Web
I sent payment by money gram to Carrington Mortgage services in the amount of {$1000.00} on XX/XX/XXXX. I also had a check sent from a church in the amount of {$250.00} around the same time. The company told me they never received it and asked me to send them copies of my receipt and reference number showing proof because if I sent before XX/XX/XXXX, I would not be in foreclosure status. I sent the required information and thought it was resolved. They then told me the payment was held and then returned and no-one knew what was going on. Since they told me not to make any payments and I am in foreclosure. this company needs to be investigated and prosecuted. I feel they are forcing me into foreclosure.
01/22/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 71220
Web
In XXXX I received a bill from Carrington Mortgage. I called to tell them was a mistake. My loan was through XXXX XXXX since they bought it from XXXX XXXX in previous complaint. I never agreed to this or even talked to anyone. After further checking this was some sort of equity loan I never received. By this time XXXX was foreclosing during pandemic. I checked with Sheriffs dept bf sheriff sale and mortgage holder was XXXX and they verified the last appraisal was in XXXX. I bought this home in XXXX. Paid for appraisal but never received it. I Called Carrington Mortgage and advised they were NOT mortgage holder listed. There response was hanging up and blocking my number. Also emailed with no response.
10/14/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • WI
  • 54880
Web
Obtained a Loan Modification agreement and Trial Period from XXXX XXXX XXXX, Agreement signed on XX/XX/2015, with payments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. mortgage was sold to Carrington Mortgage Services on XX/XX/2015. I made all four payments, but Carrington claimed I did not make the XX/XX/XXXX payment, despite having it on record. They denied the Loan Modification based on that, rejected my XX/XX/XXXX Payment and my XX/XX/XXXX payment, then initiated foreclosure claiming I had not made the XX/XX/XXXX payment ( which was not due or owed due to the modificaiton agreement ) now they wo n't work with me, refuse to look at their records and are going forward with foreclosure.
09/03/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 73170
Web
Carrington mortage company bought my load from XXXX XXXX XXXX. I 've been making my payments through them since XXXX. Always on time, never late. They have still yet to report my payments to the credit bureau and my credit score is dropping because of it. Also, they Increased my escrow by XXXX $ and I have no clu why. I ca n't get anywhere over the phone. I sit on hold for an hour and eventually get told to call back, all supervisors are busy. I 've asked repeatedly for someone to call me back, I have yet to get a returned call. I need help. What do I do? How do I get my historical and current payments reported to credit? How do I figure out why my escrow increased when my insurance stayed the same.
09/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95307
Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 38111
Web Servicemember
XX/XX/XXXX, I filed CFPB XXXX against Carrington MS . They agreed that they made a clerical error by stating on my credit reports, from the credit bureaus, that my account # XXXX was in a XXXX bankruptcy. They said that they would correct this with the credit bureaus. I recently applied for a home loan with XXXX XXXX, the report that they sent me shows that Carrington hasn't removed this information. I called Carrington XX/XX/XXXX and spoke with a rep that stated that the information about the bankruptcy was verified and correct. I explained to him that it was wrong and should be corrected. He refused to remove it or investigate further. This would place Carrington MS in violation of the FCRA.
10/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 076XX
Web
XXXX XXXX XXXX XXXX , XXXX, As Trustee For Stanwich Mortgage Loan Trust A and Carrington Mortgage Services LLC have, and are in violation of New jersey Statute 52:15D-13 WHICH CLEARLY STATES THAT ANY INSTITUTION SERVICING A MORTGAGE OF AN INDIVIDUAL IN RECEIPT OF THIS CERTIFICATION IS OBLIGATED UNDER NEW JERSEY LAW TO GRANT A PERIOD OF FORBEARANCE BASED ON THE PARAMETERS OUTLINED ABOVE. I had received this certificate of eligibility on XX/XX/2019, which was 39 days before the sheriff sale, in which the above named companies proceeded with by deliberately violating state law by ignoring and refusing to honor, comply, obey, recognize and abide, in which they are, and have been instructed to.
05/09/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27616
Web
My wife and I fail behind on our mortage payments, we asked for a modification on our loan and have been going no where every since. They 've been saying this paper wasn, t complete or this was n't submitted on time, just as if at was a complete run around. So we have been rejected on so many a times we turned to a third party agency to help us move the process along, thinking that the agency had more experience then us they could move thing a long at the very lest show us what we where doing wrong. After putting together a new package to submit on our behalf the professionals were rejected saying paper work was not in on time after two to three days, not stating it should be in the next day.
01/23/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • TX
  • XXXXX
Web Older American
In XX/XX/XXXX XXXX XXXX XXXX was notified of was notified that the modified loan in XXXX was still a legal contact and couldn't be sold or transferred to anyone for any reason, also notified them of the statue of limitations has exceeded the 4 years, and is now 8 years 4 months since last payment, now XXXX XXXX XXXX and Carrington has a scheme going on, XXXX XXXX XXXX illegally transfered the loan to Carrington as the servicer, and acting as a debt collector, since XXXX XXXX XXXX could not file suit, Carrington changed the loan number like it was a New loan, to see in motion a foreclosure, Carrington has sent a notice of acceleration after only 1 month with the loan.legally not late on Note
09/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • 43068
Web
I recently closing on my refinance with Carrington Mortgage on XX/XX/2021. Due to ongoing issues with XXXX XXXX company I excercised my right to shop for a title company. However, was denied twice by the loan officer/ Carrington . Due to my personal hardship I feel I was forced to use a title company that was not working in my best interest. I closed on my loan XX/XX/2021, my three day waiting period was extented to six days b/c they lost my quick claim deed. I spoke with XXXX XXXX at Carrington Mortgage service and my desired outcome was to refund my title fees since I was denied the right to shop for the services and was told no since I closed on my loan his V.P would not grant my request.
07/08/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IN
  • 47933
Web
got a divorce in XXXX and was awarded the home. My ex wife signed a quit claim deed to remove herself from title to the property. I experienced a job loss and hardship and received a modification from Carrington which she did not have to sign. In XXXX I suffered another job loss resulting in a delinquency. I obtained new employment with the state and received a trial modification plan with payments due in XXXX XXXX and XX/XX/XXXX. I have made the XXXX and XXXX payments when Carrington denied the modification because my ex-wife did not sign the modification agreement. This was not necessary before and she is not on good terms with me and will not sign anything which further obligates herself.
10/23/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AL
  • 36869
Web
XXXX XXXX XXXX sold my mortgage to Carrington. I paid my mortgage on time until they took over XX/XX/2018. Now they are saying that i'm {$2800.00} past due almost 6 payments. I was not behind in my payments. And the mortgage statement said this is after they took over. I have all bank statments to prove all the payments I made to XXXX XXXX XXXX. And the one payment of {$510.00}. Also I wish to inform Carrington that XXXX XXXX XXXX got {$22000.00} and that have flat out refused to show me where the money went. And nobody seems to care. I have tried to resolve this with Carrington about i'm not past due of {$2800.00}. And all they did was argue. They already trying to pull something shady.
09/28/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 381XX
Web Older American
Sent Carrington Mortgage request for mortgage assistance because I have been affected by Covid-19. Spoke with Carrington Mortgage customer service XX/XX/2021 was told my mortgage assistance request was in processing and no other document was needed at the time. received property foreclosure letter from foreclosure attorney saying sale date for my home is XX/XX/2021 and my loan was sold, and my new servicer was XXXX XXXX. I have not received a letter from the new servicer or Carrington stating who my new servicer was. I haven't received the accelerations of debt letter from Carrington Mortgage or a denial letter for the mortgage assistance request. Recently submitted all requested documents.
02/22/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • MI
  • 488XX
Web Older American
XXXX XXXX XXXX holds the former VA Land Contract on a home I have owned for 20 years. I am XXXX years old and now want to part with this property. I have had it up for sale for a few months and now have a CASH offer which would not only pay off my loan but provide some extra cash for my wife and myself during our retirement. When I went to get a payoff the company had the WRONG address as being the property under loan. Then when we went to close, they said it would take 2-3 weeks to provide a deed even after the payoff was received. They have literally just about lost this sale for us and I am extremely upset as I have been paying this company 7.5 % on this loan for years. What can I do?
01/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 325XX
Web Servicemember
Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX of 2017. I was never given any information about the purchase. Never received a payment plan. Had to go to a web site to find a phone number. Had to establish an account without guidance. Have not received any paper bills with the exception of one. They refuse to send a copy of my loan agreement after repeated requests and charged unexplained fees to my account. They keep referring me to research department and claim they ca n't help me with any complaints about my account. Research department never returns calls. The tellers as they call them have hung up on me. I believe this company is rife with fraud and abuse.
11/12/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 018XX
Web Older American
Carrington mortgage company is in direct violation of the u s treasury dept making home affordable program guidelines. Specifically chapter 2 section 6.3.1 as per mha guidelines version 4.5 dated XXXX/XXXX/2015. Carrington mortgage is in direct violation of mha guidelines chapter 2 sections 6.3.2.3 and 6.3.2.4. Carrington mortgage approved me for an in house modification and neglected to exhaust the XXXX approach financially harming me at least {$72000.00}. Carrington mortgage has neglected to provide me with the npv test results conducted on or about XXXX/XXXX/2015. By approving me for an in-house modification, and not following the XXXX guidelines, is blatantly unfair and deceptive.
05/16/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CT
  • 06095
Web
On XXXX XXXX XXXX I begin My Modification process with my servicer Carrington Mortgage, after I send the Modification packet the send missing items letter I send the items then the asks for my wife proof of occupancy and letter from my wife then they request proof of occupancy again I send tax returns then they send another missing items letter requesting proof of occupancy this time copy of her driver license, copy of her bank statements and copy of CT vehicle tax bill now today XXXX/XXXX/XXXX 7 months later they send they call me and tell me they need more proof of occupancy. I am sick with XXXX and this situation is getting me more sick I do n't want to loose my house and I need help.
12/15/2020 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 370XX
Web
I have been repeated harassed by Carrington Mortgage Service and I always pay my bill every month. I have gotten harassed everyday this week o XX/XX/2020. I have told them to stop multiple times and they even have been sending me " recertification '' calls as well that I have told them multiple times to stop because I am not interested. I am in duress and feel unable to fend off these people during this time of COVID-19, I am out of a job ( still making monthly mortgage payments by the way, that I have not missed ), and at this moment I am unable to walk because of a back injury. Can someone please help me in order to free my families life of unwarranted stress by this horrific company.
02/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60440
Web Older American
XXXX XXXX XXXX XXXX bought my loan from XXXX XXXX XXXX. Before XXXX XXXX XXXX took over my loan I never had a problem. 24 years on time posted payments.. Now they are claiming that I missed payments. I explained my bank shows all were made on time through an Ach and cleared. Still after submitting more documents from my bank they claim they do not have payment for XX/XX/2018. This is ridiculous dealing with this company.. They dont know how to post payments and want the consumer to figure it out for them.. They even hit my credit score.. I have not missed a payment and all submitted bank records show it so.. What do I do?. This company should be severely fined by the banking regulators.
10/13/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19904
Web
Carrington mortgage has mis applied payments to the acct # XXXX. Payments were sent to mortgage lender as agreed and they did not apply the XXXX XXXX payments timely. They applied XX/XX/2016 payment in XX/XX/2016 its notated on mtg statement. XXXX XXXX payment for XX/XX/XXXX was never applied to the acct and the lender stated they have no record of any payments. We sent proof of payments to the research dept several times with no response from research dept. Perm modification was issued in XX/XX/2016 with a new due date begininig XX/XX/2016 and that payment was not recorded for XX/XX/XXXX but XX/XX/2016 which has caused my client to default on perm modification which is not their fault.
07/19/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 46217
Web
Have lived in my home nearly 9 years. Mortgage company has contacted me recently to say that I live in a Special Flood Hazard Area and are requiring me to obtain flood insurance. My house has never been nor is currently in a flood hazard area. My home has n't moved during my tenure. When the mortgage company contacted me, they had already increased my escrow and began making payments for flood insurance from my escrow. Their letter said that I need to prove that I do n't live in a flood hazard area. I responded to them and insisted that THEY prove that I do. They have not responded nor have they reversed the money taken from my escrow account for the bogus claim of necessary insurance.
09/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 10512
Web
As per conversation with my mortgage servicing company ( Carrington Mortgage Services , LLC ) on XX/XX/2021, I qualified for the COVID19 FHA Standalone Loan Modification, no documents required. As of then I have been calling on a weekly basis the loss mitigation department & every representative says the same. Its in review & waiting on the title. Although on XX/XX/XXXX with a conversation with a representative advised that they have had the title since XX/XX/2021. Called again on XX/XX/2021 & the representative said it is in review & they do not have the title. I am in a position to resume my mortgage payments but I can not get anyone at Carrington to finalize my loan modification.
11/15/2018 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • XXXXX
Web
Re:XXXX Dear Sirs, My loan was approved for an FHA-HAMP modification on XX/XX/XXXX. I was scheduled to make my first trial payment on or about XX/XX/XXXX. That was made successfully for the full amount of {$1100.00} and cleared on XX/XX/XXXX with documentation to verify. I also verified that payment was received and applied properly by CMS per terms on XX/XX/XXXX by XXXX, Employee ID XXXX. The SERIOUS CONCERN I have is today ( XX/XX/XXXX ) that I was alerted CMS has reported inaccurately that " Forclosure Initiated '' in all of my credit reports. This is in violation of FHA Single Family Policy Handbook XXXX and The XXXX Fair Credit Reporting Act. Regards, XXXX XXXX Loan No. XXXX
03/25/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 329XX
Web Servicemember
Mortgage servicing was transferred on XX/XX/2020 from XXXX XXXX XXXX to Carrington Mortgage services LLC through no choice on my own. Never had an issue paying my monthly mortgage payment through XXXX XXXX XXXX electronically. Carrington Mortgage services LLC charges an {$5.00} " convenience fee '' to pay electronically online each month. There is nothing stated in my VA mortgage origination documents that payments electronically would be subject to any type of fee to pay electronically. I called Carrington Mortgage services LLC to state that the {$5.00} " convenience fee '' is a RESPA violation as not disclosed in my mortgage or deed of trust. They stated the charge is justified.
04/03/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 13760
Web
Today XX/XX/XXXX I was made aware of an escrow analysis that I believe to be incorrect. Carrington mortgage services is raising my monthly payment from XXXX to XXXX do to a escrow shortage of around XXXX. I checked all my taxes and they have not increased significantly. My water sewer bill was taken out of escrow on a one time payment. The mortgage Co is now counting that into my yearly taxes. I pay out if pocket for sewere water. Also I have no missed payments. I believe that an error has been made and they said I can not get another analysis till XX/XX/2024 or until the shortage is paid off. I can't afford that lump sum. I've called and given them all my info from my tax numbers.
02/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 36117
Web Servicemember
around XX/XX/2022, i login my carrington mortgage account to ensure that XXXX payment was received and i notice that carrington mortgage did not apply the payment but they accepted the payment so i called and ask why is the payment my payment was in suspense and ask for them to do their job and post the payment to my account. after talking to the rep for about 40 min the rep but my request in and they the remove the payment from suspense status and applied it to XXXX payment. now they want to report that i was late but i wasnt late. its XXXX percent their fault for not applying the payment. i as the rep to ensure that it will not report on my credit and she ensure me that it wasnt.
09/09/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Loan sold or transferred to another company
  • UT
  • 84721
Web Servicemember
In XXXX 2023, I received written notice that Carrington Mortgage had assumed my VA mortgage. The company did have my account on file during the first week of XXXX. Customer Service advised I need to wait until on or after XX/XX/XXXX. By XX/XX/XXXX, the company had withdrawn my full payment for the month but failed to record it appropriately. By XX/XX/XXXX, they had received that full payment as well. By XX/XX/XXXX, the company has withdrawn half of the XXXX payment. The total amount taken by the company at this point exceeds the minimum amounts due, but the company continues to show me in default status threatening collection. These practices seem unfair, misleading and deceptive.
12/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • CA
  • 91786
Web Servicemember
My mortgage loan opened in XX/XX/2021 was initially with XXXX XXXX XXXXXXXX. They transferred my mortgage loan to a new servicer in XX/XX/2021, Carrington Mortgage. My mortgage payments to Carrington, since XX/XX/2021 have not been reflected on my credit report as of XX/XX/2021. My credit reports only shows mortgage payment up until XX/XX/2021, and there is no current mortgage loan from Carrington reported on my credit report. I contacted Carrington in XXXX, XXXX & XXXX with claims of waiting another month. They claim to have reported my payment history as of XX/XX/2021. My credit history shows no mortgage since XX/XX/2021 under XXXX XXXX and this has been incorrect for 6 months.
05/18/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 378XX
Web
my husband passed in XX/XX/XXXX, XXXX Mortgage sold his mortgage to Carrington two months after he passed. I was paying the mortgage until XX/XX/XXXX when Carrington would not talk to me on the phone, they said I needed to send a Death certificate, Marriage Lic. and a Inheritance letter. I did this XXXX times, by fax and by mail and they keep claiming its unreadable and they never recieved a mail copy. then they sent a rep. out and told me the place was being forclosed that I had to move. Now its been 2 and half years and they are still giving me the run around. I have called numerous times and get very ignorant reps. no one will return my calls. So what is a widow suppose to do.
10/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89032
Web
I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX & Corrington Mortgage have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from XXXX XXXX XXXX under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX
06/26/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 36869
Web
I was trying to settle about my payment history when someone in their bankruptcy department and this foreign speaking guy who was very rude toward me, and unprofessionally hung up on me while I was trying to explain to them that I made 4 payments for this month XX/XX/2019. They are supposed to be making sure my payments are being applied to my account not intentionally trying to mess me up! It's very frustrating when they refuse to work with you or even listen to you because Carrington has these foreign speaking people that don't understand English or maybe they understand. Carrington is flat out making this difficult or they are telling employees to harass and hang up on me!
08/26/2015 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • SC
  • 298XX
Web
In XXXX I purchased a mobile home with the understanding my payments would be around {$700.00}. When I went to closing after they had delivered, set up with XXXX and included my land, my payments had jumped to {$910.00}. We told them at the closing that we could n't afford these payments, but were told the house ca n't be moved, so we had no choice but to sign the paperwork. After trying to work with the several companies that bought our mortgage we gave up. Our home is now XXXX days late and they still will not work with us. Our outstanding payments with late fees are almost XXXX and the home was just appraised at XXXX. We do n't want to loose our home, but what can we do?
07/27/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 10950
Web
I refinanced my loan with Carrington Mortgage LLC in XXXX of this year 2016. As early as this month, my mortgage payment has gone up again. When I contacted Carrington in XXXX 2016, they assured me that my monthly payment would not go up. They told me that there should not be another escrow analysis done until next year. For whatever reason, my monthly payment has now gone up again. I only refinanced a few months ago! I have to wait on the phone for literally 45 minutes to an hour to get an " explanation '' that does not make sense. I can also not make more than XXXX payment online per month. Ever since Carrington took our loan from XXXX XXXX XXXX it has been a nightmare.
03/04/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web Servicemember
The mortgage payments were paid ahead of time with Carrington Mortgage however there is a discrepancy with the account. There is an issue with the payment portal and the way it is being applied with Carrington Mortgage and I was charged late fees. For example, when I asked about history Carrington Mortgage told me " Close of escrow date XX/XX/XXXX. First payment due, XX/XX/XXXX, and the payment was received XX/XX/XXXX. '' which does not make sense. In the past, I had to file complaints regarding escrow and insurance payment discrepancies as well. The principal balance is not accurate and I am concerned the wrong history is being reported to the credit reporting agencies.
08/02/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • UT
  • 84404
Web
Today I made a call to Carrington Mortgage. I spoke with XXXX. He spoke to me in a very harsh manner and told me that I qualified for only one month of forebearance, which I was never notified of, instead of the normal three months. Then he started to create a horrible scenario of evictions, foreclosures, and losing my home all within the same breath. How dare he create such a fearful situation for someone that he knows nothing about! Absolutely the WORST customer service! I believe my loan is a FHA loan and Im entitled to two extra three months of extensions of forebearance. This is a measure of assistance, not a situation of fear and control! Shame on you Carrington!
02/12/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 622XX
Web
On XX/XX/2018 i filed a chapter XXXX bankruptcy in federal court. # XXXX XXXX. This bankruptcy was filed because i was threatened by the mortgage servicer and threatened with foreclosure. My home met qualifications for federal & state exemptions. My missed payments and fees were listed in my schedules. The mortgage servicer & underwriter did not object to the discharge. The mortgage servicer is still threatening me with foreclosure using the debt that was discharged. Please help. I ama victim. I am didcriminated against & violated by this servicer. XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX XXXX IL I am XXXX, XXXX and my source of income is unearned XXXX with XXXX XXXX
08/12/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MN
  • 55016
Web Servicemember
The company in question with my VA Loan is Carrington Mortgage Services. My existing VA Loan was sold to this company. I started payment with them XX/XX/XXXX. This company has so many fees and they have made it difficult to send payment to them without assessing a service fee on top of the mortgage payments. Their is a service fee to pay online with Carrington, a service fee to pay over the phone. This company should not be allowed to service veterans with VA Loans as they are stealing money from veterans when we make payments. This is a practice that is disgusting. How can I pay my mortgage without them also charging me for sending them a payment. This is asinine.
04/25/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30046
Web
Due to loss of job and divorce I got behind on payments. I realized that I could n't catch up so I listed the house for sale with XXXX XXXX as a short sale in XXXX 2016 . They got an offer shortly thereafter which was over the listing price. They contacted the servicer and tried to initiate the short sale but have never received a call back for the loss mitigation department fro m Carrington Mortgage Service. They have tried to contact the executive office and no one will assist with pu tting them in contact with anyone in corporate. I filed bankruptcy once to stop the foreclosure but the realtor is still not able to get in touch with anyone from the lender.
02/26/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • 07631
Web
Good morning, I have been working with XXXX / Carrington mortgage services since the end of XX/XX/XXXX, I was suppose to close on XX/XX/XXXX but due to XXXX lack of communication and confusion me and my wife are unable to close. They had me fly to Georgia to complete closing. They said my granddaughter could be my POA and then letter change it at the last minute. My loan officer has not been following up with me to explain this process, I have been having my Grandaughter asssit me but they have a issue with her helping and not explaining everything correctly which delayed closing and now the seller is canceling the contract and I will loose my money. Please assist
06/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • TN
  • 37122
Web Servicemember
My mortgage loan was transferred from XXXX XXXX XXXX to Carrington Mortgage on XX/XX/XXXX. Carrington Mortgage is not reporting my loan to any credit bureaus. This is greatly affecting my credit score and my ability to obtain credit. I contacted Carrington Mortgage on XX/XX/XXXX and was told by a customer service rep that they were supposed to report to credit bureaus in May, but at that time they were planning to report on XX/XX/XXXX. I contacted Carrington again on XX/XX/XXXX, and was told they would have to get back to me. I'm filing this complaint to hopefully resolve this issue of no/slow credit reporting for myself and future Carrington Mortgage customers.
05/18/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 46203
Web Older American
I am applying for a repayment plan for my mortgage, and the mortgage company and I do not agree on some fees that have been tacked on. As of now, I am 18 months delinquent. The monthly payment is {$320.00} x 18 months = {$5900.00}. Carrington mortgage says I owe {$6900.00}. I understand that there will be late fees. In XXXX XXXX there was {$450.00} lawyer fees, in XXXX XXXX , there was another {$250.00} I do n't understand how I could owe these fees. Carrington told me that the fees were all waived. This is the 5th time I have sent in a request for a repayment plan since XXXX XXXX , when they refused my payment and started foreclosure proceedings.
09/13/2016 Yes
  • Mortgage
  • VA mortgage
  • Settlement process and costs
  • TX
  • 774XX
Web Servicemember
Carrington Mortgage processed my home loan in a illegal and unethical way. Which has resulted to XXXX of dollars lost, loss of time to formulate a resolution, this negligence has caused an XXXX veteran and their family members to suffer homelessness, XXXX, financial loss. False allegations have been made resulting in defamation of character. Many parties and individuals involved have suffered defamation of ethical capability to perform with in their professional ability that provides for their income and future career standing. Physians have been notified and have documented these truths in efforts to assist the victims and provide adequate guidance to recovery.
02/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32608
Web
The mortgage payment for account # XXXX with Carrington Mortgage Services was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my XXXX credit report : Company/Account Name : CARRINGTON MORTGAGE SERVIC Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : N/A Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : N/A Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage
02/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web
Hi, my name is XXXX XXXX, Carrington mortgage services LLC, XXXX : XXXX, Fax : XXXX. On XX/XX/XXXX, over the mail, I received the new home insurance quote, on XX/XX/XXXX Carrington mortgage services LLC paid the new quote, by federal law, on the contract and the type of loan says that I have 30 days after I received the new home insurance quote for me to choose different home insurance, after I called carrington several times they don't want to stop the new home insurance quote, also after 5 years in row I haven't miss any payment, and the premium should go down, but carrington won't do it either, and at the top of that they want to charge extra fees. Thanks
02/26/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27501
Web
Every year Carrington mortgage service increase my monthly payment claiming a projected tax increase which the original monthly payment escrow is more than enough to cover the taxes. The taxes has not increase either. They also increase my monthly payment because they clam that there was not enough in the escrow to cover the taxes. They also my it difficult to have your monthly payment applied to the account after making a payment. They applied the payment after the grace period so that they can charge a late fee even thou you have prove that the payment was made in plenty of time. I have asked them to stop calling me but they continue to call for nonsense.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CO
  • 80122
Web Servicemember
Requested a Fobearance on XX/XX/XXXX, was looking sell my house and purchase a new build ranch style home because I am disabled. On XX/XX/XXXX had credit report ran by XXXX XXXX XXXX who notified me of this I have been disputing this and Im getting no where and records show two different for race date Im being run around in circle, Im being told lies on when to call back and this has really damaged my credit I can even do anything which what has happen. They set up an auto pay without my consent and I had be paying during forbearance to get caught only to be this I was overpaying during this forbearance. Please help I alone in this, do I need an attorney?
04/05/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89032
Web
I hired an attorney to help me after my mortgage servicer, Carrington Mortgage, denied me for assistance in saving my home. I fell behind due to XXXX XXXX. My attorney says they emailed the servicer and faxed a 3rd party authorization and now Carrington Mortgage is telling my attorney it takes 30 days for their authorization to show up in their system. This is just more games Carrington is playing. My attorney says 30 days is not consistent with what is reasonable. RESPA Regulation requires servicers to respond to requests for assistance in a timely manner. Blocking out my attorney from simply speaking to them is a form of evading my request for assistance.
10/22/2019 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93313
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
10/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33073
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My XXXX request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
05/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • XXXXX
Web
This is a follow up to my last complaint as nothing has gotten resolved. CMS and their lawyers XXXX XXXX XXXX continue to ignore and or not communicate with my lawyer. To date they have accused myself and my ex husband of fraud, yet have not stated what kind of fraud or provided any proof to my lawyer or the court. Yet they have now closed my case, cont to ruin my credit and are going to take my house. Their rep did respond to my complaint but unfortunately did not bother to read it as seen in their response. I have since found out that their lawyers, XXXX XXXX XXXX are being accused of defrauding their clients, which is probably why we dont hear from them
08/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30542
Web
XX/XX/XXXX Carrington Mortage and myself came to an agreement on how much I owed as to late payment of my loan. I agreed to pay alot of money for 2 months of XXXX XXXX dollars to get me current. I to this day I am still being charged 3rd party charges even stated today when I paid extra the representative said I could still have 3rd party charges next month even though I have been current for months. My payment for XXXX was XXXX Last month was same My payment should be XXXX I only make XXXX every 2 weeks I have told them this every month Including when I started paying what I owed the first 2 months were XXXX Was very hard to maintain with what I made.
07/17/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 305XX
Web
My problems started when my mortgage company Carrington Mortgage Services LLC returned my XX/XX/XXXX payment. I called when I saw it was returned to my bank account and immediately may the XX/XX/XXXX payment in or on XXXX XXXX. The payment was not debited for 7 days I made the XX/XX/XXXX Payment in or around the XXXX XXXX. They are threatening me with Notice of intent to foreclose by mail and certified letter. They are holding one full payment not partial payment in Unapplied funds. I made both payments with a representative on the phone with Carrington and followed up on the phone. I feel they are pushing me to foreclosure and not accepting my payments
08/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NH
  • 03051
Web
The mortgage company refers people to HUD if they need help at the beginning of the call. However, the agent makes it clear the government makes them do this. They dont actually accept help from the programs they referred me to. Instead they give me XXXX options sign new mortification increasing the payments and restarting the 30 years. Are they allowed to refuse help I was approved for. The only document that AHEAD needed was a loss mitigation statement and the Carrington representative insisted there was so such thing. How can they ignore this and ultimately force me into a worse financial situation. They want to foreclosure so they can have th equity.
09/24/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • NJ
  • 07065
Web
I received notice that my escrow amount will increase the total monthly payment by over 20 % from around {$1300.00}. to over {$1600.00} per month. When I contact the company the representative said the increase was due to a short fall for insurance. I advised the representative that there was actually an end of year surplus for the year and why would I need to pay around {$4000.00} more annually for an insurance policy that was changed the previous year. The representative hung up. XXXX XXXX was the mortgage company, when I previously asked for documentation of a transfer to Carrington mortgage, Carrington mortgage was never able to provide proof.
05/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 27284
Web
Carrington mortgage has a extreme delay in processing payment a payment was received and cashed on XX/XX/2021 they took 5 days to actually post or credit account very unethical. Submitted paperwork for modification 3 XX finally on 4th attempt received all information but is taking over 30 days to process while modification still processing receiving harassing phone calls for payment the company is not communicating with other departments. While under the modification process sent a horrible letter intent foreclosure 45 day late payment which was not accurate because they held a payment and did not accredited to my account they day they cashed the funds.
01/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31324
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 93274
Web
I have a 3rd party person to talk for me. When she try 's to do so the mortgage co. tells her that they have to down load the paper work she has sent them. They told her that they are still doing work from XXXX/XXXX/XXXX she sent the paper work on XXXX/XXXX/XXXX. The last time she spoke to them they said they had the paper work but ca n't talk to her till it is down loaded my sale date is XXXX/XXXX/XXXX by the time they get it down loaded there will not be much time to try to stop the sale of my home. I do n't understand why down loading paper work should take so long with the technology of today it should take a few days and not weeks to get it done.
05/22/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 153XX
Web
My loan was transferred from XXXX XXXX XXXX to Carrington in XXXX 2015. Carrington was holding my XXXX payment in a suspense account. I informed Carrington that I was not accepting a loan modificationwhich was approved by XXXX, and that I wanted my payment applied from XXXX and to make my XXXX payment. I was told I was unable to make a payment even though my account was current! I sent in an opt out letter to which I was then told I could make a payment. I made a payment and requested that the XXXX payment get applied. I found out that payments have been received but now XXXX and XXXX payments have not been applied and my account is showing past due!
08/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • 85015
Web Older American
Please See Attached Letter to Carrington Mortgage Services ( CMS ) and attachments. Basically, CMS offered me a permanent Loan Modification. However, there were several issues in the CMS Trial Period Plan ( TPP ) that are unfair, on its face. CMS incorrectly over stated my income. CMS valuation on the property value of my home is too high. The CMS Trial Period Plan highly favors CMSs position while giving little power to me, as homeowner. Importantly, CMS does not reveal any of the Loan Modification 's contract terms before payment of the TPP is completed ( I don't know what I'm getting into ahead of time ) .How can I make an informed decision here?
08/13/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • NH
  • 03301
Web Servicemember
We have a VA home loan that is in default with Carrington Mortgage Service. We applied for a deed in lieu of foreclosure. We are at the point of getting an appraisal but the mortgage company does not have an agent assigned as a single point of contact managing our case. We have not gotten anything in writing about the deed in lieu process. We do n't know our rights and responsibilities as customers. Carrington has not offered clear communication about our rights and responsibilities as customers participating in their deed in lieu of foreclosure option. There seems to be no accountability in mortgage companies and this seems to be our only recourse.
09/16/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 92376
Web Older American
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. C.M.S. has never complained to the credit bureau ( XXXX ) until three months ago. I have been receiving e-mails stating, " We see from your account history that youve made payments after the XXXX of the month and you're required to pay a late charge. '' Alternatively, the monthly statement states payments are due by the XXXX of the month. I program my bill-pay from on line-banking on the by XXXX ( if the XXXX happens to fall on a Sunday ). It is withdrawn from my bank account on Monday, the XXXX. This month, XX/XX/2020 I received a late payment fee on my monthly billing statement.
05/02/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 334XX
Web
My mortgage was sold from XXXX to Carrington, they are adding a fee of {$560.00} to my payment, I contacted Carrington who said this fee was moved over from XXXX , I contacted XXXX who said this was a mistake and they removed it which I have communicated with Carrington. Carrington is still asking me to pay this fee and would not contact XXXX to confirm that this was a mistake from their said and that it has been corrected. XXXX will not give me a letter verifying this mistake correction. Now I am stuck between these 2 companies to pay {$560.00} that I do not owe. My mortgage has always been on automatic payment since day 1. Thank you
04/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • XXXXX
Web
I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the carrington reporting is the same accross the report. I need this removed asap.
10/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 920XX
Web
My mortgage was purchased by Carrington Mortgage Services LLC. I have an impound account that was transferred and collected on a monthly basis. My homeowners insurance expired XX/XX/2022. On XX/XX/XXXX I was contacted by my insurance company to tell me my insurance lapsed and I needed to pay to ensure coverage. I paid the minimum payment due of {$640.00} to retain coverage ( money that was not budgeted for ). The next day, XX/XX/XXXX I called Carrington and asked for payment status. I was told that they made payment in full. Today, XX/XX/XXXX I received a letter saying they had no evidence of my insurance and that they would start charging me!
08/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Private mortgage insurance (PMI)
  • NJ
  • 081XX
Web
I've been unlawfully enrolled in hazard insurance through the mortgage servicer. There's evidence that suggests the Servicer may be paying the annual premiums and still apply a monthly payment to insurance ( double charging me and creating shortages on escrow reports ). It's also apparent that I've been enrolled in this policy since the very 1s t payment that I made without notice or having given authorization to do so. Lastly with all the fees applied to this policy, I don't see evidence that any such insurance exists. No declaration, policy number, company name, Nothing at all. I want to submit that this company is operationally a scam!
12/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • LA
  • 700XX
Web Servicemember
XXXX XXXX XXXX sold my loan to Carrington Mortgage in XXXX XXXX. I was told by XXXX XXXX XXXX that everything that was in place with XXXX XXXX XXXX would be honored by Carrington once the loan was sold. After the transfer to Carrington I was told that Carrington did not honor everything that XXXX XXXX XXXX told me. I was in a loan modification at the time in which i was completing my 6 years without missing any payments and had to call XXXX to help make XXXX honor my loan modification. XXXX XXXX XXXX told me that I would be entitled to a RECAST by my consular XXXX XXXX XXXX after my six year and Carrington told me the would not honor that.
03/31/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NH
  • 030XX
Web
I have already placed a complaint re : Carrington Mortgage Services and the problem with our escrow account. I would like to add that we are still getting no where with them. They continuely have computer issues " my computer is down so I cant see your account '' " I have limited access to the system, maybe you could call tomorrow '' They also state that they have not received paperwork from us. And they most certainly have. I have sent proof to them ( as they requested ) that our escrow account is NOT in a deficit! In the meantime, we are falling behind because they are not accepting payments from us. We will never get help from them!!
04/15/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30014
Web
I completed several applications for loss mitigation. Underwriting claimed it could not make a decision because the file was missing tax documents which Carrington admitted it already had in its possession. At the direction of Carrington, I submitted an " Appeal of Denial '' together with executed copies of the alleged missing documents. Instead of a response, Carrington started a foreclosure which is pending XXXX XXXX, 2016. This is clearly dual tracking and I am asking that the foreclosure be stopped as I am ready willing and able to pay off the mortgage on or before XXXX XXXX, 2016. My offer of settlement is {$150000.00} XXXX Dollars.
12/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 989XX
Web
i have been tying to work with Carrington mortgage for XXXX and all they have done is give me the run around i have XXXX XXXX from XXXX XXXX of XXXX XXXX helping me and we she has supitted application 2 times and they have requested same paper work XXXX time in the past XXXX they dont let me make payments so for the past XXXX yrs its been a fight with them XXXX had my file and i was approved they they sold my loan to Carrington and everything went to XXXX by know they should give me my title to my house for pain and suffering i have been stressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to them not working with us its been very stressful
02/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 077XX
Web
I entered into a modification of my mortgage in XX/XX/2022 and sent in the first payment of the loan to Carrington Mortgage Services. The next month after it was recorded and second payment received they reported to the credit bureaus that I was in foreclosure and delinquent. The damage to my credit report was irreparable. They continued reporting this way for 2 more months. They are sending collection notices and trying to get me to agree to a short sale by email to avoid foreclosure when they receive and process my monthly payments. They are also submitting work orders to subcontractors to change my locks and trespass on my property.
04/07/2021 Yes
  • Mortgage
  • FHA mortgage
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NC
  • 27545
Web
I've had no luck with XXXX Mortgage XXXX. They stated they can not report any current or past mortgage history to the credit reporting agency due to my Bankruptcy XXXX As of today they have no plans to ever report and nor provide any mortgage information to a third party lender that I'm attempting to refinance with. Per my BK Attorney and Trustee this is a valuation of the consumer reporting Act. And a BK XXXX should have never stop reporting. This delay has caused me several hundred dollars in savings to refinance my home. Carrington Mortgage Services XXXX XXXX XXXX XXXX IN XXXX Account Number : # XXXX Attn : Research Department
11/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07002
Web
Carrington home mortgage services has been servicing the account for the last several years and had just begun ( without any notification ) to add a convenience fee to my online payments. This is in direct violation of FDCPA section 808. They are charging an excessive, non agreed upon fee, to a debt. On XX/XX/XXXX I was checking my account for some other purposes and noticed the new add on fee and immediately called CMS to try to rectify the issue. I was told that since the state of New Jersey does not have a state FDCPA they are not in violation of the federal FDCPA. I believe their actions are a class action suit waiting to happen.
03/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91709
Web
1st Issue : Our mortgage was bought by another company during our time working overseas. As such we received notification late as result missed a payment on mortgage that we have had for 10 years and never missed a payment on. Due to our payment history on the mortgage and result of the mortgage changing ownership, don't think its fair to report the missed payment to credit bureau. Would like cfpb to look into removing this from our credit record. 2nd Issue : We have had the mortgage for 10 years on 30 year mortgage and mortgage company is still reporting 30 years to maturity. We filled several letters to correct this still haven't.
10/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27889
Web
every time that my insurance has policy is up for renewal I get letters in the mail saying that I have had an insurance cancellation so they send me letters saying they are going to provide me with forced insurance and that is when all the fun starts I have my insurance agent fax them numerous declaration pages they force insurance raise my payments due to the increase escrow needless to say I spend hours day after day only to talk to a different person each time who assures me that the problem is solved this started mid XXXX and it is now XXXX tired of all the calls and time only to get charged for both insurances and a high payment
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Didn't receive services that were advertised
  • VA
  • 22192
Web Servicemember
XXXX XXXX Carrington Mortgage had promised not to report my mortgage being behind ( XXXX ) as a result of XXXX. However, now this is coming up with my commander that I was behind and my clearance has been suspended leaving me without work once again as a result of the mortgage company. Also, had to contact XXXX with the same information and they responded with they dont follow under XXXX guidelines nor the soldiers act. Im desperately looking for some assistance son this matter and cant afford an attorney. In the mean time, Im still without my position at the XXXX all as a result of my credit report being affected by XXXX. XXXX XXXX
09/21/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CO
  • XXXXX
Web Older American
I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX PH # XXXX XXXX HOME MORTGAGE WAS TRANSFERED TO CARRINGTON MORTGAGE SERVICES LLC IT IS BY FAR THE WORST ORGANIZATION IN YHE WORLD, DISHONEST, TERRIBLE, FALSE REPORTING REPORTING, OPPRESSIVE AND NOT TRUSTWORTHY. EVER SINCE CARRINGTOM MORTGAGE STARTINGING SERVICING MY MORTGAGE XXXX XXXX 2015 IT HAS BEEN A NIGHTMARE. THEY REFUSE TO SEND ME ACCURATE MONTHLY STATEMENTS, THEY FAIL TO POST PAYMENT ACCURATELY, LEAVE UNAPPLIED FUNDS THAT SHOULD APPLIED TO MY MORTGAGE PAYMENT AND FALSELY REPORT TO THE CREDIT BREAU. I NEED ACCURATE MONTHLY STATE IN ORDER TO MAKE ACCURATE TIMLEY MONTHLY PAYMENTS.
04/01/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 503XX
Web
Carrington Mortgage hold my mortgage and has put force place flood insurance on my property which has increased my payments by XXXX a month. They are using XXXX which is a 3rd party to administer this policy. I have been sending documents and calling since XX/XX/XXXX. I was always getting a different answer with every person that I talked with. I have also submitted a request for a LOMA directly from FEMA website, the process is schedule to be complete XX/XX/2020. I also submitted an email from XXXX County Assessor with XXXX XXXX and maps directly from FEMA, stating that my property is not in a flood area. My loan number is XXXX
10/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33319
Web
I am a victim of hurricane XXXX and was offered to place my morgage payment on hold till XXXX XXXX with no penalty under the civil relief act. I made a agreement with carrington morgage to pay back by XXXX XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over carrigton website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report
11/30/2018 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • PA
  • 19121
Web Servicemember
In XX/XX/XXXX VA made a contract with a veteran for a loan. The loan is made in VA 's and veteran 's names. According to the contract, Special Warranty Deed is to be issued upon full repayment of the loan in veteran 's name only. The loan was paid off in XX/XX/XXXX but the last servicer of the loan Carrington Mortgage Services has been unable to produce Special Warranty Deed because Property Transfer Tax is required by the county to record a deed. Property Transfer Tax was never filed when VA transfered the deed to XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX XXXX was the servicer of the loan before Carrington.
07/14/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 366XX
Web
I have been making additional principal payments on my mortgage. I send XXXX separate checks each month, because I do n't trust them. I noticed on my statement that instead of crediting me {$300.00}, they credited {$290.00}. I called them and asked about it. They noticed it on the previous month as well. They refused to accept copies of bank statements and insisted that I go to my bank and get check copies, front and back. I am sure they hoped I would just drop it. I am sure they are during this to many, if not all of their customers, which could total into XXXX dollars over time, which is why I am continuing to pursue this.
06/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 32952
Web Older American
In 2017 we had a forberance agreement in which XXXX added two payments on the end of our loan in the mean time Carrington Mtg bought the loan and XXXX went out of business. We are trying to get a new mortgage with XXXX XXXX and they are telling us that on the credit report they are seeing a modification with Carrington which we never had and can not finish up the refinance until this is removed from our credit report in the mean time the rates just keep going up. We both have contacted Carrington Mtg and they just keep saying we do not owe anything but can not produce an agreement and will not remove from our credit report.
03/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 318XX
Web
In XXXX my house burned down and my insurance company release a check to myself and Carrington Mortgage for {$100000.00}. Since then I have had to put over {$90000.00} of my own money into the home as Carrington will not release the funds needed to complete the reconstruction. To this date they have release only {$35000.00} while we have sent them information from myself and my contractor showing where we have spent the additional amount. They keep saying it is not more than 25 % done although it is around 80 % done. I am recently widowed and I believe they are trying to prey on me to keep this money and make me homeless.
08/14/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85323
Web
X/X/17 submitted a request to cancel PMI in writing. X/XX/17 request to remove PMI was declined. They say because my LTV ratio does not meet requirements. I have 57 % equity in my house and it 's been about 8 years since I refinanced. I have lived in my home for 9 years. There was no appraisal done when the loan was funded. They are saying the amount my loan was funded for is also the value of my home. This is incorrect information. I was told I can not speak with anyone that handles PMI removals and was instructed to submit another request to dispute the decision and why. X/XX/17 sent letter via fax disputing the decision.
05/14/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NV
  • 89081
Web Servicemember
I was in the process of getting a loan modification, but the wording on my divorce decree read " Member will refinance property ''. Since it was a modification and not a refinance they said i can't continue with the modification unless I get the wording changed on my divorce decree. I was finally able to get my ex spouse to agree to the wording change and now Carrington mortgage is saying that I don't qualify because I had a modification within the last 2 years with them. This is not true, because the loan was never modified. After the modification process stopped Carrington mortgage stopped accepting my mortgage payments.
07/25/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 93030
Web
I got behind when I lost my job and we couldn't pay my mortgage on only my husbands salary while feeding our XXXX kids. I now have steady employment and make enough money to pay my mortgage, I applied for a loan modification and was denied because my lender says I don't make enough money to pay my mortgage. I just received a substantial pay raise and sent evidence to my lender but they Have not removed the XX/XX/2018 sale date nor have they reviewed my new income. They told me I have to wait for the denial letter before they can review my new income/loan mod application. We don't have time there is a sale date XX/XX/2018
04/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60466
Web Servicemember
My loan was sold from XXXX XXXX XXXX to Carrington Mortgage. Carrington Mortgage raised my mortgage by XXXX dollars per month for escrow. The escrow balance is positive and they would have had a 1/6 cushion as allowed by law. The property taxes are XXXX dollars and the home owners insurance XXXX. So the escrow total is about XXXX. Carrington is now charging me XXXX per month for escort, which comes out to XXXX per year. This is nearly one hundred percent of what is allowed by law. I tried to work with Carrington to resolve the issue but they did not work with me. Name of mortgagor is XXXX XXXX and the loan number is XXXX
12/01/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 284XX
Web
Mortgage was sold from XXXX to Carrington Mortgage Services. My information was transferred over including my automatic monthly payments, but unlike XXXX Carrington has no way of making payments towards principal online if automatic payments are established. This means a physical check must be mailed in or a phone call must be made to make additional payments towards principal. To further complicate this issue, I was required to once again provide all of my bank information ( account number, name, routing number, etc ) despite Carrington already having this information, which is used to make automatic monthly payments.
10/23/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Private mortgage insurance (PMI)
  • MN
  • 560XX
Web
We were made aware in XXXX that we were paying personal mortgage insurance on our FHA loan. At this time, we requested the information from Carrington Mortgage to cancel the PMI insurance. They were requested us to fax over a request for removal, and we're ensured that it would be taken care of. Fast forward to XXXX of this year, we were working on refinancing our home, we again found out that we are still paying the personal mortgage insurance after having sent a fax to request removal in XXXX. As of this month of XXXX, we are still continuing to pay that PMI insurance after again sending a fax to them on XX/XX/XXXX.
02/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 474XX
Web
I received notification on XXXX XX/XX/2022 that my loan servicing company sold my loan to Carrington Mortage Services, LLC, and that within XXXX days I was supposed to be contacted by them regarding my loan. I was not and currently have not been contacted regarding this loan. It is now XXXX XX/XX/2022, and my payment is due on the first of the month. I have no loan number from Carrington Mortage Services to apply a payment to. The website does not have my old loan servicing company ( XXXX XXXX ) listed on their website to obtain my new number, and when I try to call, I get no answer on the phone from customer service.
01/13/2017 Yes
  • Debt collection
  • Mortgage
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 36867
Web Older American, Servicemember
Dear CFPB, I am a Veteran and I have filed a complaint that requires me to send documents explaining the case to the veteran 's military division of the CFPB, but I ca n't find the address for military complaints, I have 140 pages of evidence and statements, and I am worried that my complaint did not go to the military division. Please provide me a paper mail address at XXXX///the Complaint number is XXXX. Currently Carrington Collection Agency who is impersonating mortgage servicers is using the 60 day continuation they asked for to commit additional debt collector harassment. I will attemp to attach some documents.
10/21/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TX
  • 79925
Web Servicemember
Apparently, my mortgage was sold to a new company and I was never notified or given any documents, confirming such so that I knew that it was valid. I received a note on my door one day, so I tried to call the number and it was not a valid number. Fast forward to now and I have a letter I received say they wanted to foreclose on my house and that Ive made no payments. However, I was supposed to be in XXXX forbearance all the way to XXXX due to my having XXXX and being hospitalized repeatedly I have emailed the CEO of the company I have reached out to the XXXX No one is holding up their end or working with me at all.
03/07/2020 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • MO
  • 63114
Web
The senior loan officer assigned to my refinance leaves much to be desired regarding his professionalism and customer service. When I ask him to give me a call because we are not aligning on a request that he's made where I think it's duplicate because I've furnished everything as he requested, he refuses to call. When I ask to withdraw my loan because I don't feel as Carrington Mortgage wants or values my business, he replies with 'It 's up to you, let me know ', confirming my suspicions. I feel that I have to chase him down to get this loan to close and I've already had my credit pulled and paid for the appraisal.
06/21/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • MO
  • 65775
Web
Carrington Mortgage deceptive practices during loan payoff. After receiving the payoff quoted they sent an additional payoff statement demanding more money. They have since returned the wire sent and the check sent for the additional money and are now demanding additional funds again. They are crooks of the worst manner and should not be allowed to remain in business. They should have to forfeit the payoff in full plus 3 times that amount to the consumer and pay XXXX XXXX XXXX XXXX for time spent in clearing trying to clear this up. They have refused to give us their agent of service trying to avoid a lawsuit.
01/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32725
Web Servicemember
I made a mortgage payment in the amount of XXXX in XX/XX/22 which is the monthly mortgage payment which is not due until XXXX had an outstanding escrow balance and clearly told my mortgage company to credit this payment toward my outstanding escrow since they did not credit my acct for the monthly payment .my mortgage terms should not include escrow at all.but I want to pay the outstanding escrow before my next payment is due in XXXX so my payment will go back to XXXX instead of XXXX please help because they are holding the money in suspense instead of crediting my acct properly.thank you in advance for your help.
03/19/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 76087
Web Servicemember
In XXXX of 2019 I contacted Carrington mortgage because I had been injured & unable to work. I stressed to the agent I spoke with that I had the funds to make the payment for XXXX, however i was interested in a payment arrangement for that month to ease the financial burden. I specifically asked if the arrangement would be noted as a late payment on my credit report and was told that it would not. I paid the arrangement as agreed & found later that this was reported as a late payment. I contacted Carrington & was told that they would not change the notation for XXXX, even though the arrangement was paid as agreed.
06/12/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • TX
  • 77045
Web Older American, Servicemember
Carrington Mortgage Company bought or took over my mortgage loan from XXXX XXXX XXXX XXXX of 2017 and every year the mortgage has gone up. This was not a refinance and I did NOT sign paperwork this was dealt with as a business transaction between those two companies. So why is my mortgage raising yearly and it Has NEVER done this? As well my previous time paying my mortgage has disappeared and it is like I have a new 30 year loan for a home I have been in 30 years. How is this possible and where has my payments to the previous mortgage companies gone that I have NO equity carry over and no time carry over either.
10/23/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32809
Web
I 've been going around in circles with this XXXX mortgage company, Carrington Mortgage about a loan modification. We 've been denied once, just recently, with the excuse that I said I was unemployed on the application. The people with Carrington do n't have any answers as far as what the requirements are for the modification and I 'm just exhausted going around in circles with these XXXX. They keep deferring everything to their underwriters but this has caused my Mom and I so much XXXX wondering what 's going on. We need someone to advise us of our rights and what the parameters are for getting the modification.
10/04/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • IL
  • 604XX
Web
I was offered forebearance during corona. I did all they asked and it was to be put on back of loan with no penalties. It took 2 years to get lian back. I had to hire a lawyer. They did nothing!! They made impossible to get back on track! They reported me late several times during the forebearance. I had to come up with a latge amount as these crooks tried to foreclose while on forebearance. I was charged ridiculous fees and still am being given XXXX. Including autopay which I removed months ago, monthly payment that was supposed to go down yet went up and misinformation by their employees on several occassions!
10/06/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • IA
  • 52804
Web
My husband and I have a mortgage through Carrington MortgageLLC company it hasn't been reported on our credit reports since XXXX of XXXX They took it over XXXX XXXX I believe we were hacked and this isn't a reputable company. I put their wrong adress down not sure how to fix it it is Attention Carrington Mortgage DepartmentXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX phone number is XXXX I spoke to a lady that said they didn't get our bankruptcy discharge which is Bull because we didn't file until XXXX discharged in XXXX and we have had 3 different lenders in 16 years almost 17 bought house XX/XX/XXXX XXXX
06/13/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 63118
Web
My loan with Carrington Mortgage Services was originated on XX/XX/XXXX - until the month of XX/XX/XXXX, I have always made my payment online with XXXX surcharges added to my monthly payment. As of XX/XX/XXXX - Carrington Mortgage is now requiring an additional {$5.00} convenience charge in order to pay my mortgage online. Additionally, if I were to make my payment over the phone I would be charged over {$20.00} to make the payment. I do not have checks to make this payment via mail, and I should not have to incur the cost of postage for a task that was previously free, and one that I did not previously agree to.
03/03/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 79928
Web Servicemember
I had called our mortgage company to find out why our payment went up for the month of XX/XX/2021 from XXXX to XXXX and the company said it was due to our taxes which was close to {$6000.00} then our insurance was {$2900.00}. The mortgage company said that if I could pay the escrow of the house was {$6000.00}. then my payments would remain the same but it was a fixed loan at XXXX XXXX and fixed XXXX yrs rate and we did not have to pay any property taxes since we are XXXX XXXX XXXX service connected. The mortgage company told me that all we needed to do was find a cheaper insurance for the home and that was all.
01/31/2019 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32606
Web Servicemember
This Company ... Carrington Mortgage ... .calls repeatedly and I have NO debt, with them or anyone. they call at odd hours and leave a number to call back. I have tried and it is a fax machine with no human available. At the end of their pitch, they state that they are required by law to state that they are a debt collection agency. the # they leave is XXXX. They have called on XXXX and XXXX. They have called in XXXX on : the XXXX, the XXXX, the XXXX, XXXX, XXXX, and on the XXXX. Then again on the XXXX, XXXX, XXXX and the XXXX. They just keep calling .... I have NO debt. What a pain in the you know what!!!
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11230
Web
IN XX/XX/2022 I MADE A PAYMENT ONLINE & ON THE BANKS PORTAL IT SHOWED " PAID '' THEN PAYMENT GOT RETURNED & REPRESENTATIVE TOLD ME I SHOULDNT DO ANYTHING BECASUE THEY WILL REPROCESS... IN THE MEANTIME IT SHOWED ONLINE THAT MY PAYMENT FOR XXXX WAS PAID. THEY NEVER REPROCCESED THE PAYMENT & WHEN I REALZIED ON XX/XX/XXXX I CALLED THEM & THEY SAID TOO BAD WE WILL REPORT AS 30 DAYS LATE I IMMEDIATLY MADE THE PAYMENT & HAVE BEEN IN GOOD STANDING SINCE. I NEVER MISSED ANY PAYMENT TO ANY CREDITOR IN XXXX YEARS. THIS SITUATION RUINED MY CREDIT SCORE & I FEEL HELPLESS. THEY ALSO LIED TO ME ON THE PHONE ABOUT THE ISSUE.
04/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30039
Web Servicemember
CarringtonMS is attempting to sabotage my Credit report with each Repository, XXXX, XXXX and XXXX by Not XXXX Reporting that theyve gotten my {$77000.00} that was electronically sent to those XXXX at CarringtonMS on XX/XX/2020 by the law firm of XXXX XXXX XXXX XXXX for the XXXX pay-off my Home loan, Loan number XXXX as a XXXX man! The President of CarringtonMS, CarringtonMS General Counsel and CarringtonMS Compliance has conspired to Report my home loan as still owed, a White Supremacy act against XXXX homeowners in this country, but what they dont understand is I walked away with {$85000.00}, I Fight Back!
01/31/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 93117
Web
Carrington Mortgage told me to submit some paperwork to have autodraft enabled. I submit the paperwork. I was denied autodraft and never was notified by the company that I was denied. To this day I have never been told why I was denied. Later when I was under the impression that autodraft was working I received a delinquent bill phone call from Carrington. So I tried to pay my bill over the phone but was informed there is a XXXX $ charge to do so. So when I went to pay online I was informed that my account is delinquen and I ca n't pay online but that I HAVE to incure the XXXX $ charge to pay over the phone.
09/16/2023 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91977
Web Servicemember
Hi my name is XXXX and I have recently fell into the hands of Carrington Mortgage Services. This company has misused charging my account multiple times ( 4 ) in the same day resulting in my account to be put into a certified payment status. The company then proceeded to report my account past due for the months of XXXX and XXXX of 2023. I completed my XXXX payment and then the XXXX payment on time with autopay set up. My account information is showing my payment was reversed 3 times before it was complete. My current dispute says the company reported both months 30 days past due now. I dont know what to do.
10/18/2021 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32068
Web Servicemember
My home loan was sold to Carrington Mortgage Services in XX/XX/2021 from XXXX XXXX. I have not missed any payments or deferred any payments. Carrington has recently started reporting to the credit bureau that my payments are late. I have asked for a copy of my contract with them as I do not recall signing one and for an explanation for the late reporting. My payment history with Carrington does not show any late charges or late payments however it's reporting as late to the bureaus which is causing me issues with refinancing and lowering my credit scores. I have attached my payment history. This is VA loan.
10/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30080
Web
Per the Cares Act, I requested my mortgage company Carrington Mortgage put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late which has completely screwed up my credit. Extremely disappointed in Carrington Mortgage.
12/21/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • UT
  • 84096
Web Servicemember
Carrington Mortgage Company acquired my loan this past year and Ive been on auto payments. My XXXX Bill suddenly they added a {$1.00} donation to my payment without my knowledge and without my permission. I called them and they refused to remove the charge and wouldnt provide proof of opt in. Told me they would have to Mail me a form and then Id have to mail it back to get it removed. I stated that by the time that happened they would already have taken my money. Spent over an hour on the phone with multiple staff members and they refused to resolve the problem and remove the unwarranted donation charge.
12/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30039
Web
My household income was effected by XXXX my husband and daughter lost their jobs. My husband later suffered a nervous breakdown which cause more financial stress. I contacted my mortgage company and requested a loan modification. While working on my loan modification the sent it to a foreclosure attorney XXXX XXXX XXXX XXXX ATTORNEYS ). Shortly after receiving the notice of foreclosure. I received a denial letter. this was clearly Dual tracking. they are not willing to work with me because i have nearly {$400000.00} worth of equity in my home. THEY HAVEN'T RESPONDED TO MY QWR NOR MY GAP ACCOUNTING REQUEST
07/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 207XX
Web
Reduction in my yearly income of {$XXXX} Unable to pay mortgage since XX/XX/XXXX House on for Sale XX/XX/XXXX Have been negotiating with Carrington Mortgage Services ( CMS ) and XXXX XXXX XXXX for approval for a short sale. 1st proposal submitted to CMS in XX/XX/XXXX was denied - because sale price was low - ( 1st Buyer left contract ) Denied again in XX/XX/XXXX due to my Credit Score of XXXX - CMS stated that my credit score needs to be below XXXX - ( 2nd Buyer left contract ) Denied in XX/XX/XXXX - Credit score XXXX - CMS stated that my credit score is still too high - ( 3rd buyer still on the contract )
06/14/2015 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • MN
  • 558XX
Web
I am trying to purchase a home in XXXX MN. The lender approved us for a loan. We have done all of the standard things to get ready to close including scheduling XXXX closing dates that have been cancelled because the mortgage company will not give us a clear to close. When we get real close to the closing date the lender needs more unneccesary paperwork, ie: another paytub or another printout of account details from a stock. The sellers (and us the buyers) are becoming anxious about the transaction and I fear they will move on to the next offer even though we have done all we can from a buyers perspective.
08/28/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32904
Web
Since XX/XX/XXXX, I've had a mortgage through XXXX XXXX/ XXXX. When I lost my job due to COVID, I entered a CARES act forbearance around XXXX of XXXX. At the end of XX/XX/XXXX, XXXX XXXX sold my loan to Carrington Mortgage. Starting XX/XX/XXXX was the new servicer of the loan. I am currently in a CARES act forbearance with Carrington Mortgage that expires XX/XX/XXXX. My problem : When my mortgage changed hands to Carrington Mortgage I was charged a late fee of {$65.00}. I was under the understanding that I can't be charged a late fee for missed payments when entered into a CARES act forbearance.
09/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CO
  • 80920
Web
I had my payments set up on auto pay, one month without notice my payment was sent back and I did n't notice. I then became late. I did n't realize the money had been returned to my account. I then call in to find out what was going on and tried to make a payment over the phone. They told me the address had changed and they no longer accepted payments at the address that I sent the payment to. I could n't pay two months at once and they would not accept one full months payment. I updated the address and sent a payment online. My complaint is that they sent a payment i made back anf then refused payment.
05/04/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 30296
Web
I have ( 2 ) VA XXXX Loans serviced by Carrington Mortgage Services. We were current on our loans prior to the GA Governor issuing a " stay at home '' order. I have requested Covid-19 assistance from the servicer with a 3 month forbearance multiple times. The requests were made XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have made the attestation that we have been impacted by the Virus as required by the Cares Act. They have charged late fees and are now requesting a 6 page application be submitted along with a tax return, paystubs, and bank statements to even consider offering any assistance.
01/17/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 93263
Web
My mortgage became delinquent starting XX/XX/XXXX. I applied for mortgage assistance from the servicer, Carrington Mortgage, LLC. On XX/XX/XXXX, I was informed by Carrington that a XXXX XXXX XXXX was the investor on my loan. Then, on XX/XX/XXXX, I was consequently informed that the investor of my loan was XXXX XXXX XXXX and that my request for assistance was denied due to 'investor/insurer targets ''. It is unclear as to whom exactly my " investor '' is. Because of this, I am forced to look for legal representation to file a civil complaint against Carrington Mortgage for negligent misrepresentation.
06/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • HI
  • 96817
Web
Final payment of loan amount of mortgage was not properly applied. Overpayment went to a suspense account which was greater that the remaining balance. The actual amount was less than the amount owed. Reach out to Carrington Mortgage Sevice and spoken to three representatives ( XXXX X/XX/17 , XXXX X/XX/17 , XXXX X/X/17 ) had not had an amicable resolution. I was informed that I would need a payoff request that was sent to me prior for final settlement however the pay-off showed a refund to me rather that amount owed. A negative derogative was submitted to the credit agencies.
11/05/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • MI
  • 48327
Web
My mortgage was sold to Carrington Mortgage about a year ago they started charging me about {$560.00}. for my escrow every month for a year. Now they are charging me {$670.00}. for my escrow a month. I Called my city and they said my taxes went up but not that much. I then called my insurance and they said my insurance went up {$14.00}. so somethings not adding up and that would be the numbers that are not adding up at all. Especially since my escrow is at XXXX as of right now so all this money is going in where? why is that and where is that money actually going to if all my stuff has been paid for?
08/08/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • GA
  • 31326
Web
sent closing documents with a XXXX year loan and a payment I agreed with. I signed the same documents multiple times over a XXXX month period. I get a pre closing documents on the XXXX saying closing on the XXXX. I signed them. I haven't heard from the mortgage company for XXXX days. then today I get another closing agreement with a XXXX year period and same interest. This is for a refinance of a boat loan. and this loan is worse than the loan I'm trying to refinance. They made my appraise my house for {$540.00} and then change rates and term after I do ... under my nose. Fraudulent and dishonest.
04/11/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Closing on a mortgage
  • NY
  • 11795
Web
Carrington mortgage is refusing to provide me with a payoff letter. Ive followed all of their instructions and they keep lying as to why I cant get this letter. First lie. they said application letter wasnt received. Second lie was I didnt sign it and the 3rd lie was that my email address wasnt associated with the account. This is my fathers house. He passed away last XXXX. Weve been dealing with probate. Carrington was advised every step of the way on progress etc. now it seems their refusal to provide this letter in a timely fashion leads me to believe theyre trying to sell the house from under me.
05/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 960XX
Web
I have been attempting to avoid foreclosure since the separation with my ex husband. I have provided what has been asked of me over and over and over and its a never ending cycle. I am simply asking to avoid foreclosure. Please have someone on behalf of Carrington assigned that is actually going to take responsibilty of receiving my documents and ensuring a decision is reached. Now that I am facing a sale date the bank tells me I should have requested mortgage assistance once again from them 27 days prior to my trustee sale date. Please be fair and allow me to exhaust the option to avoid foreclosure.
01/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KS
  • XXXXX
Web Servicemember
Per previous complaint all documents sent faxed and emailed, Now all the paperwork that THEY lost is outdated. I have just now emailed all current pay stubs from XX/XX/XXXXthrough XX/XX/XXXX. Again this is a problem on Carrington's part. I hand carried the documents to a branch in XXXX XXXX Missouri handed them to XXXX XXXX – NMLS ID # XXXX Area VP – XXXX XXXX Carrington Mortgage Services, LLCXXXX XXXX XXXX XXXX XXXX, MO XXXX Phone: XXXX Cell: XXXXFax: XXXX Email: XXXX State Licenses: MO, KS, OK, IA, AR, NE, MI and the first person I spoke said there was no branch in Missouri. So here we are again.
01/25/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • WI
  • 54016
Web
When my mortgage loan was closed, my property taxes were improperly funded. As a result, I faced an escrow shortage of {$4500.00} for 2015 property taxes. At the time my loan was serviced by XXXX. They agreed to spread the {$4500.00} shortfall over 60 months, which lessened my financial burden. My loan has been transferred to Carrington Mortage Services, and while they have agreed to spread my escrow shortfall, they did not keep the same escrow repayment terms in place that I had agreed to with XXXX. As a result, my monthly mortage payment is increasing dramatically and causing me financial hardship.
01/28/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 710XX
Web Older American
Due to financial hardships and XXXX was put on a forebearance plan by Carrington Mortgage XXXX XXXX I was making payments as I could. Forbearance ends on XX/XX/2023. I applied for mortgage assistance with the mortgage company and the only option available, per XXXX, was to liquidate the property. Just needed some assistance with the arrearage, I can now pay my monthly payments but theyre no giving any assistance. The government give assistance to these mortgage companies and now theyre pulling the rug from under people. They would rather take your property and sell for less than help the home owner.
08/24/2020 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60657
Web Servicemember
Carrington Mortgage Services offered me a streamlined refinance with no credit check, no income verification, and no appraisal. I was told twice via email that there would be no credit check. When filling out the application, I specifically DID NOT give consent to perform a credit check. Two days later I got a notice from XXXX that Carrington Mortgage had performed a hard inquiry on my mortgage file. Carrington also performed a hard inquiry against my wife 's credit file. We both have great credit, and they offered us a mortgage refinance, but they were dishonest and lied about accessing our credit.
12/22/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30038
Web
My mortgage was sold early last year to Carrington Mortgage Services. This company sent me an escrow refund check citing an overage. However, a month or two later they jacked my payments up and told me that my escrow had a shortage. Now a year later they are increasing my payment again after I have been paying an increased amount for the past 12 months. My homeowner 's insurance has n't increased and neither have my taxes. I have read many complaints about Carrington mishandling escrow money. They refuse to admit wrongdoing in issuing me a check and then increasing my payments because of a shortage.
08/16/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • VA
  • 22406
Web Servicemember
Since the pandemic, I am a XXXX veteran, I have communicated the struggles of making. I have tried several times to communicate with Carrington Mortgage with completing a Mortgage Assistance Application a few times. There have been several incidents, miscommunications, inaccurate information that has been given to me. Recently, I received an email showing my Mortgage Assistance is with the underwriting team, however, my mortgage shows it is in Default. When I try to ask about my mortgage, I told the letters for foreclosure were a mistake that was sent out but nothing is correct on my credit report.
06/07/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 130XX
Web
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services in XXXX 2015. Carrington sent me a new escrow statement indicating that they have decided to collect XXXX of our escrow amount in accordance with federal law. My payment is increasing by {$130.00} a month. XXXX XXXX XXXX never did this and even when an escrow shortage occurred my payment increases were no more than {$50.00}. I am angry that a mortgage company is allowed to get away with this type of treatment. Particularly when the shortage has been artificially manipulated by making escrow disbursements XXXX month before they are due!
10/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19120
Web
I refinanced my home XX/XX/22. Since then, my escrow has not been as it should. Carrington Mortage paid my property taxes twice and my homeowner 's insurance twice. Numbers do not lie. My numbers are very different from there's. I am extremely short in my escrow because of errors that need to be corrected. When I've requested for my old loan to be reviewed as well as new loan, I'm getting the run around. This error is affecting my wallet. when I speak to customer service, I am repeatedly being told to request for escrow analysis which won't correct the problem if old loan isn't reviewed as well.
04/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30013
Web
Mortgage company Carrington mortgage has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. I need assistance in dealing with this unresponsive and unhelpful mortgage company.
06/12/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 78249
Web
I had a mortgage with XXXX XXXX. It was transferred in XXXX to Carrington Mortgage. I have been calling Carrington every week trying to make my monthly payment. Every time i call the agents either hang up on me or tell me i cant make any payments due to covid-19. I was told to log in online and make a payment. I have tried to set up an online account but it says that they cant find my loan in the system. When i call Carring support for help no one can help me set it up. I WANT to pay my bill and they are not allowing me. I need help so this does not damage my credit scores. My cell phone is XXXX
08/21/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OK
  • 73132
Web
On XX/XX/2018, I received a letter from my current mortgage company ( XXXX XXXX XXXX ) informing me that they sold my mortgage to Carrington Mortgage Services , LLC . As of today, XXXX XX/XX/2018, I have received no information from Carrington, who according to XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/2018. I believe that they ( Carrington ) are legally bound to notify me that they are taking over my mortgage within 15 days of the transfer date, and provide me with the appropriate information to continue to pay my mortgage. They have not. Please advise on what I need to do.
02/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02720
Web
have called carrington loan servicing numerous times represenatives keep transfering long hold times can not leave a message HOME WAS FORECLOSED ON BY CARRINGTON XX/XX/XXXX AND SOLD XXXX XXXX, BORROWER WAS ISSUED A 1099C BY CARRINGTON THIS YEAR /THE 1099 C SHOULD HAVE BEEN ISSUED FOR TAX YEAR XXXX BECAUSE I FILED A BANKRUPTCY AND MORTGAE DEBT WAS INCLUDED.A CORRECTED XXXX IS REQUESTED BASED ON BALANCES AND FIGURES ON XXXX XXXX DATE OF BANKRUPTCY DISCHARGED UNDER XXXX XXXX, MORTGAGE DEBT INCLUDED,, CARRINGTON HAS MY WRITTEN PERMISSION TO SPEAK WITH XXXX XXXX XXXX ON THIS MATTER MY SPOUSE XXXX
02/07/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33166
Web
Carrington Mortgage has not been applying payments from the Home Assistance Funds that I was awarded instead they are treating my account as a loan modification with a higher interest rate 5 %. they are reporting me to the credit bureau, and calling me constantly about being behind on my payments. The keep sending me letters about foreclosure and no one can give me a straight answer of where the government fuds are. They have not updated my escrow which is lower now that I have a lower insurance premium. They are charging me late fees and not applying the funds from the government correctly.
09/27/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 94561
Web
I have been a working man and I family man my whole life. I have never had any issues in the past with paying our bills. My family and I went through some really tough time and lost our jobs do to the pandemic and COVID 19, it has truly been a massive struggle to survive. We are starting to get Back on our feet and able to make our payments but We have been calling for almost two months to try and resolve this issue with no result. They keep giving me the run around and tell me to check with them in A week or two. We applied for a plan that they are offering and have not gotten a response.
09/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92879
Web
Carrington is in violation of CA HBOR and dual tracking. Carrington is acting with gross negligence and incompetence. At issue is a modificaiton request that was submitted on XX/XX/18. After the modification request was submitted Carrington violated RESPA guidelines and RESPA guidelines by filing a notice of sale. Additionally Carrington continues to ask for documents that were already submitted to them. They already received contributor information they already received most recent pay stubs but they continue to pretend that they haven't so that they can illegally foreclose on property.
05/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32225
Web
I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. Carrington Mortgage Company a service provider for XXXX XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life, and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.
10/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 488XX
Web
Last year after XXXX got caught messing with my escrow, the CFPB helped me out and got them to make some sort of terms with XXXX. As a result of this, my mortgage was sold to Carrington Mortgage Services. This year, Carrington cleaned out my escrow again, just like XXXX and now has decided that there is a shortfall. With little notice or opportunity to put money back into my escrow, they have elevated my escrow payment to more than I am paying on principal and interest. I feel that they are trying to cause me to default or fall behind on payments with the intent of charging fees and such.
01/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IL
  • 60641
Web
I did a modification in the year of 2015 they are claiming that I owe over {$400000.00} on my home I did not take any money out of my home Ive never owned that much money on my home I need help Ive talk to an attorney they sent over a letter I have not got any response from Carrington they keep sending me the same paperwork over and over again stating that it is valid I dont see it in the paperwork I dont understand it I never pulled any money out of my home so that being said I dont believe I owe this. They added principal twice on my loan which does not make any sense to me please help
05/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 535XX
Web
I have requested numerous times in writing and via phone that I want to receive my statements. I received them for a short while but as soon as I switched to paperless I no longer have access. I am trying to refinance and leave this nightmare company and just need a copy of my most recent statement. Hey will not give me one unless I submit in writing again to their research department a request to receive statements. They said it will then take 30 days for a response. All because of a bankruptcy flag from 6 years ago before I was even with t hem ( th ey purchased my loan from XXXX ).
02/13/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75134
Web
I called Carrington Mortgage Services, LLC today inquiring about my XXXX Mortgage Interest Statement for 2016 tax year. I was informed by the customer service rep ( XXXX ID # XXXX ) that due to my mortgage loan being transferred from XXXX XXXX XXXX in XXXX 2016 I would not be receiving XXXX. I informed the customer service rep that I made a mortgage payment of {$1000.00} on XXXX XXXX. Also as of XXXX XXXX, 2016 Carrington Mortgage Services paid {$3000.00} to XXXX County for taxes. I was again informed that because the interest I paid was below {$600.00}, I would not be receiving a XXXX.
08/17/2016 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Called after sent written cease of comm
  • OH
  • 45255
Web
They called to inquire about our late payment. I explained that we had moved recently and that I was starting a new job and would n't receive my first paycheck until XXXX/XXXX/16. They proceeded, and continue, to call multiple times a day several times a week. I kept telling them the same thing each time they called. Finally, XXXX XXXX cam and I made an electronic payment, as promised, and it cleared my bank on XXXX. Apparently, it has not cleared their bank. They called me again yesterday and today. Calling and harassing me is n't going to make their bank accept my payment any faster.
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95307
Web
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct : CARNGTN MTG XXXX
03/10/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 78218
Web
Carrington Mortgage is reporting incorrect information to the credit bureaus. They have failed to correct my account balance and are still reporting an incorrect balance and that I am 30-60 days late on my mortgage and that I owe them money. I do not. I paid my XXXX payment on XX/XX/XXXX because they said they could n't get the money because I did n't put the correct account number which I know I did. I paid my XXXX payment on XX/XX/XXXX. Carrington Mortgage knowingly and unlawfully are not reporting the correct information to the credit bureaus. I believe this is intentional behavior.
10/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 95307
Web
I submitted a letter to the XXXX and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. CARNGTN MTG XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}
08/18/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30281
Web
Carrington Mortgage Services is trying to foreclose on my property by way of assignment and i believe that the assignment is fraudulent and signed by robo signature it was conveyed on X/XX/2017 with fraudulent documents i do not owe Carringing or XXXX XXXX XXXX as trustee of XXXX XXXX XXXX XXXX any money also when XXXX conveyed the assignment XXXX XXXX was out of business and fraud can not be the basis of securing a deed. I am revoking the power of attorney that they have because i never gave my power of attorney to them and the company that was my attorney in-fact is out of business
05/21/2015 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • GA
  • 31909
Web
I had been working with Carrington Mortgage company since XXXX 2015 on a mortgage loan. I had been pre-approved for {$170000.00}. I was working closely wiht the mortgage loan officer. We finally got a closing date of XXXX XXXX, 2015. On XXXX XXXX, 2015 the mortgage loan officer called and said they needed a few additional days as XXXX of the loan processors was in the hospital. My realtor had me sign a extension contract, extending the closing for XXXX days. XXXX days after the extension was signed I got a call from the mortgage loan officer telling me I would not be getting the loan.
01/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 30294
Web Servicemember
I am a 100 % XXXX XXXX so I am exempted from paying property taxes my taxes went down from XXXX to XXXX but my monthly mortgage payments never decreased. In XXXX or XXXX of last year I switched homeowner insurance companies so it went down about XXXX so because I didnt send them my refund check from my previous insurance company they said thats the reason why my payments didnt go down. They also charged me a late fee for there error when they didnt receive my payment on time and placed it on my credit report an invention was done and they fixed my crud but didnt refund the late fees.
09/16/2016 Yes
  • Debt collection
  • Mortgage
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 386XX
Web Older American
Carrington Mortgage has reported that I was late both one month and two months on a Mortgage XXXX XXXX. The home was sold during the month of XXXX XXXX before the end of the month. We closed on the house XXXX XXXX, and the loan was paid off before the XXXX of the month. Carrington Mortgage knew that the loan was closing and provided the closing amount. We were asked not to pay on the loan in XXXX because the documents had been created for closing. I have attempted two times to have them remove this error from my report and they have refused. It was last reported late XXXX XXXX, XXXX.
11/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • FL
  • 34116
Web
I knew I was getting a transfer of my job and I asked for refinance options or a forbearance. I has issues with them following back up with me and then I didn't receive any call back. I was then told I had to upload my documentation but I could not, the website would not let me. Then I sent the documentation to the email address with no call back. Then I called into the mortgage again and was advised they would accept my email requesting the information. Then I was denied an adjustment in my mortgage or any help. I feel like they personally are trying to make me go into foreclosure.
05/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • MA
  • 019XX
Web Older American, Servicemember
When my mortgage was sold by XXXX XXXX XXXX to Carrington.Mortgage XXXX XX/XX/2020, my credit score plunged 88 points, delaying my plans to plans to install solar panels on my roof. I called XXXX and Carrington. XXXX said it couldnt help and Carrington said it was normal for credit to drop that much and it would rebound in 60 days. Its XX/XX/XXXX and it hasnt come back by 88 points. I havent missed a payment, even during the Corona Virus. How can this be right? I didnt ask XXXX to sell my mortgage, yet my credit was ruined by these to companies. Please help. Thank you, XXXX XXXX.
06/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20906
Web Servicemember
Carrington Mortgage Service ( CMS ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines CMS is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. Previous complaint information attached
06/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30252
Web
On XX/XX/2018 I submitted a cease and desist letter to my mortgage company, Carrington Mortgage Services, requesting all future communication and requests concerning my account be submitted to me in writing. I called Carrington today to inform them that I have not been receiving monthly mortgage statements nor can I access them on my online account. I was informed that my cease and desist request prevents Carrington from producing and providing my monthly mortgage statement in any form. I believe this practice violates my rights as a mortgagee and am submitting the this complaint.
12/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91356
Web
We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people. We have sent in all requested information multiple times with no help!!! Carrington seems to misplace a lot of documents just to request them again.
12/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91356
Web
We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people. We have sent in all requested information multiple times with no help!!! Carrington seems to misplace a lot of documents just to request them again.
12/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91356
Web
We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people. We have sent in all requested information multiple times with no help!!! Carrington seems to misplace a lot of documents just to request them again.
12/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91356
Web
We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people. We have sent in all requested information multiple times with no help!!! Carrington seems to misplace a lot of documents just to request them again.
08/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • GA
  • 30012
Web
I am asked that Carrington Mortgage re-consider they decision. As I stated, I was unaware that my payment increased to {$1200.00}, so I sent in the regular payment of {$1100.00}. Thereafter, I discovered that my XXXX payment was short and since received a late payment mark on my credit report. At this time, I contact Carrington Mortgage escrow department and they agreed that the payment might have change in error. They review my account and performed an escrow analysis. They reduced my payment as close to the original payment the following month. ( See attached escrow Analysis )
10/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 76001
Web
I recently contacted Carrington Morgage Services Located at XXXX. XXXX XXXX XXXX, AZ XXXX and they are refusing to remove my PMI insurance from my account. Our Property appriasals from the XXXX XXXX show our home has increased dramtically in value to {$140000.00}. Our loan amount at this time with Carrington Mortgage is {$100000.00}. Loan to Value is enough for us to have this removed. I have already faxed them a formal request to remove this and they are refusing. They refuse to ackknowledge that my home is worth what XXXX XXXX is showing. I even faxed them proof of appriasal
06/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • GA
  • 30087
Web Older American
Sunday XX/XX/2023 I received 3 calls from XXXX XXXX. Someone had hatch into our account and made transaction with our Debit Card. The bank had to cancel that Debit Card. The Bank had to order another that should come in made within the next 2 to 3 days. Today XX/XX/2023 I open our email and I receive a email from my Bank, which is XXXX. It stated Major Derogatory Account. The company was XXXX XXXX. It was stated the New negative/major derogatory activity has appeared on your credit report. Bankruptcy and late payments are considered major derogatory information on your credit
06/29/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 78254
Web
I would like to get the PMI removed from my mortgage payment. I called their 800 number and was told they can't do that over the phone and I would have to send a letter. I sent a letter to the address she gave me about a month ago ( 27 days ) and have heard nothing. Now, I was looking around my portal on their website and found my Escrow Summary with a phone number. However, the number doesn't have an area code ; there is no way to call them. It's like they don't want me to remove the PMI so they continue to make extra money. I have not ever missed a payment or made on late.
06/13/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85757
Web
I have tried my best to avoid for foreclosure did several attempts to work with CARRINGTON MORTGAGE SERVICES I did several modification to see if can get any help with avoid getting foreclosure on my home but keep getting denied every time they never had reason why it was denied.I just receive a letter in the mail from CARRINGTON saying your denied at this time.I called CARRINGTON several times to work something out with them letting know if please do a repayment plans got denied or do forbearance agreement got denied CARRINGTON was just interested in full payment what I owe.
07/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KY
  • 400XX
Web
After the passing of my mother I needed to sell her home. I put the home on the market after making updates and repairs and it sold on the first day of showing. We called to get a payoff and sent in the funds- only for the funds to be returned and the mortgage company asking for a additional XXXX XXXXXXXX. My attorney contacted them and they said we owed only an additional {$1600.00} and not XXXX XXXX. We overnighted the payment in again and now they are asking for a additional XXXX XXXXXXXX. It is never ending with this company. They just keep adding and adding bogus fees.
01/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 38632
Web Servicemember
Incorrect foreclosure reporting dates, and incorrect reporting of a late payment on an account that does not belong to me, Carrington mortgage services llc reporting to credit bureau, that I was late on a mortgage payment in XXXX, for a property I have'nt owned since XXXX, error still comming up on credit report in XXXX, I have the sheriff sale document, dated XX/XX/XXXX proof that, I could not have owned the property in XXXX, or XXXX, nor could I have been late on a property that idont own, when I contacted them about the issue they said there was nothing that they could do
02/15/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • AZ
  • 85029
Web Older American
My reverse Mortgage is being processed by Carrington Mortgage Services , LLC . I logged onto my account and uploaded a completed Borrower Information for Servicing document to change the bank account that funds are to be dispersed to on XX/XX/2023. The form indicated that the upload was successful. Carrington insists that they didn't receive the form. They suggested that I mail the form electronically or via US Mail. Neither of these forms of transmission are secure, and are unacceptable. There are no documents available for upload that do not contain sensitive information.
08/02/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • 432XX
Web
Loan agent said my current rate is 5.5 % and I would refi to 3.75 % dropping my payment amount {$150.00}. This was said on a recorded line from the mortgage company Carrington Mortgage. When the closer came out to my house with the paperwork, I noticed the rate was not what the loan agent told me we called the agent and he said he did not remember and I told the closer I wrote it down but I searched and could not find the paper I wrote it on. Days later I found the note. I called Carrington on XX/XX/21 and reported my issue. I want the recorded phone conversations reviewed.
06/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89032
Web
my income was lost due to Covid-19 ... .. the mortgage company put me in the forbearance. program ... I year later i was told my loan does not qualify for any type of forbearance. My property is in XXXX XXXX NV - city that was hit the hardest- I have filled many mortgage assiistance application only to to be denied. Im Working now requesting assistance and still having problems with my mortgage co. I have owned my home for 25 years.. what happen to HELP.. NO ASK FOR A PANDEMIC ... folks are losing their homes and its not fair ... My complaint is with Carrington Mortgage!!
08/30/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60649
Web
Hello, I previously had a mortgage with XXXX XXXX XXXX. Upon the loan being transferred, I completed a loan modification. The loan mod was supposed to eliminate XXXX. I am under water by over $ XXXX. Well, the loan was transferred to Carrington Mortgage. The terms of the loan modification did not carry over to the new lender. Now, the XXXX, that was supposed to be forgiven once I came out of the loan modification. That never occurred, additionally, XXXX XXXX XXXX reported the mortgage late the entire time. Thus my home is still under water and the XXXX k was never forgiven
12/28/2017 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MI
  • 480XX
Web Servicemember
I was denied a VA refinance with Carrington Mortgage, my home is in Michigan and I have a second state residence of Alabama part of the year because I work part of the year in Alabama. The Mortgage company researched my voting registration and says since I 'm registered to vote in Alabama, and researched my adult son and my grandchildren who lives with me and researched my grandchildren school registration in Michigan at my address and denied me. I never heard of such invasion they checked my XXXX and found I was XXXX and on the day of closing came up with all of the above.
08/17/2017 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 78218
Web Servicemember
On XX/XX/XXXX I attempted to sign into Carrington Mortage Service to pay my mortgage. Their system asked me for the last four of my social security number and another identifying question. Even though I put in the correct answers in the system kept giving an error message saying that the information was incorrect. I noticed on my statement for XX/XX/XXXX Carrington MortgageService is charging me a late fee even though I made the payment before the XX/XX/XXXX. This is not the first time that I have had an issue with Carrington when making my payment on the grace period date.
12/05/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • CA
  • 93436
Web Servicemember
On XX/XX/2023, we were notified that XXXXXXXX XXXX sold our mortgage to Carrington Mortgage. On XX/XX/2023, we received our monthly mortgage statement and it said we owed for XXXX and XXXX on XX/XX/2023. On XX/XX/XXXX, we received a delinquency notice stating we didn't pay XX/XX/2023. This makes no sense! How is this possible? I called and spoke with XXXX of Carrington on XXXX XXXX, 2023, who said they would not remove us from delinquency status after I requested them to do so. She said that we were due XX/XX/2023 even though our first mortgage statement says XX/XX/2023.
05/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IN
  • 463XX
Web
Currently have a current and paid up to date mortgage FIXED RATE MORTGAGE with Carrington Mortgage Services , LLC . Received an advertisement email dated XX/XX/2019 at XXXX Hours CDT stating " Our records show you are still carrying an adjustable-rate on your mortgage. As your mortgage servicer, we strongly encourage you to consider moving this to a fixed-rate, as it may greatly benefit you. '' I have NEVER consented to changes in my mortgage terms, and this mortgage company is stating their records indicate I have an Adjustable Rate Mortgage of which I never consented to.
01/24/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
Web Servicemember
The enclosed documents are regarding Complaints XXXX and XXXX. It is the evidence to support the Enforcement Actions against Carrington Mortgage ( CM ). Moreover, it provides Carrington Mortgage state of mind prior to XX/XX/XXXX, XXXX day I was served a summons to foreclose on my home. On XX/XX/2023, CM submitted a letter I received after XX/XX/2023, to indicate my application was 'Incomplete ' and more documentation was needed. Is this Enforcement or Retaliation? Specifically, there are details how the HOA and their Law Firm benefitted from my hardship and CM deceptions.
02/21/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web Servicemember
I paid the taxes however Carrington Mortgage is showing it paid the taxes. XXXX XXXX XXXX stated Carrington Mortgage was sent back their check as the taxes were already paid yet it is showing a deduction on my tax form. I thought the issue was already addressed when I spoke to a representative ( I paid the insurance and taxes ) and Carrington told me there was confusion with the escrow account they fixed the issue however upon receiving the 1098 form ; the issue was not fixed. Also, a payment was made XX/XX/XXXX however the correct next payment, due date was not updated.
06/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70363
Web Servicemember
I am a co-buyer for an account with Carrington Mortgage ... Carrington continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...
11/28/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 36867
Web Older American, Servicemember
Carrington Mortgage Services failed to send my billing statement after purchasing my loan from XXXX, if you google 'complaints against carrington mortgage ' on just one site you will see a heading of XXXX complaints about this and foreclosing on people who had never been late. My loan is my Veteran 's Home Loan and I notified VA Secretary XXXX XXXX in XXXX, his staff advised me to contact you for help. I have attachments. It cost me {$35.00} to overnight my payment timely to keep them from pulling this stuff on me, XXXX dollars was for faxes. XXXX XXXX Veteran XXXX XXXX
03/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 21208
Web
Today 's date is Tuesday XX/XX/XXXX. Carrington Mortgage Services LLC have not paid property taxes from the escrow account of my mother 's mortgage since XX/XX/XXXX. The claim the payments keep bouncing back from XXXX ( Virginia ) City Treasurer office. Taxes are due XX/XX/XXXX or the home could go into tax lien sale and Carrington says they are investigating. I suspect they ( Carrington Mortgage Services LLC ) want the home back because there is a significant amount of equity... City of XXXX Tresurer office have not been helpful with assisting me with this process.
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77382
Web
My mortgage service provider-Carrington Mortgage Services- sent incorrect information about the standard of the loan and reported to the XXXX XXXXXXXX XXXX ( XXXX ) to further damage my credit with the credit Reporting agencies. They assumed that since FEMA declared the zone in a Natural Disaster Area, I did not pay my mortgage installments, something which is not true. I paid my mortgage on time and despite of this, they reported to credit agencies like XXXX, XXXX XXXX and XXXX. When I tried to buy a car, the operation didnt get through because their false report.
06/27/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 36869
Web
I am very upset at how Carrington is forcing me to pay their attorney fee and court cost. Their attorney doesn't represent me so why should I have to pay their fee along with the court cost that they pay. Why do I have to pay them back! My first bankruptcy I didn't have to. But my second bankruptcy Carrington is trying to get all the money they can out of me! It was XXXX XXXX XXXX at first now Carrington is demanding that I pay their attorney fees! Carrington has the money to pay their own attorney! But instead, I have to add their attorney fees in my bankruptcy plan!
09/01/2017 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28278
Web Servicemember
We sold our home in 2016 as a short sale. We have documents from the bank showing it was an approved short sale. They have reported it as a foreclosure on my credit. We are currently trying to purchase a home and we can not proceed until they remove the foreclosure from my credit. My wife has called them multiple times and they refuse to listen. We 've disputed the claim with XXXX and also XXXX and they 've come back and said it was legitimate. We need this to be cleared up as we are living with my wife 's parents until we can proceed with purchasing a new house!
12/04/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KY
  • 415XX
Web
I discussed my huge increase on monthly payments with a loan specialist through the mortgage holder and when I done the math on the figures he gave me it didn't add up to the amount I'm paying monthly. When I asked about the extra charge they said the didnt have a specific answer to my problem. Also I have been receiving information on them continuously adding more to the total cost. They ask me to provide documentation to prove the unexplained increasing on my payments/total cost. The most recent monthly statement has a XXXX fee that doesn't explain what it's for.
05/12/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MN
  • 55448
Web
I have lived in my home for XXXX years. In the last XXXX years I have had personal hardship. I lost my business of XXXX years. I went thru a divorce after being married for XXXX years. I also had a bout with XXXX. By grace I was able to keep my head above water. I know have means to pay my bills. I have a loan with Carrington that I am behind on. They are foreclosing on my home. I have funds to pay my monthly payments plus a little more. I have enclosed my bank statements showing I can do so. I just can not pay thousands every month. At least right now. Please help
07/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75703
Web
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX account number XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
06/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28215
Web
Carrington Mortgage Services , LLC has increased the amount charged to me each month in relation to my mortgage loan compared to my monthly payments before the transfer to Carrington. In answer to my repeated questions on this, Carrington says that the property taxes and insurance have gone up. However, the property taxes and insurance have *not increased*. Please see the attached documents I am uploading which prove that the property taxes and insurance have not increased. I want Carrington to correct this and to refund me the extra money it has forced me to pay.
12/06/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20705
Web Older American
Carrington morgtage refuse to accept a payment on line wants to force me to make payment over the phone so they can charge additional money to process the payment. Have been threaten with foreclosure by this company every month, we are late because of them because when this loan was transferred to them it was XXXX days before they set the account up. My name is XXXX XXXX asa result this made me late and because I am on a fix income I could never bring the account up to date but I am never over XXXX days late just ca n't catch up to be on time I do pay every month.
09/10/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 981XX
Web
I stopped paying my mortgage XX/XX/XXXX at the advice of a real estate lawyer. My mortgage company still has not foreclosed on it. The house burned down XX/XX/XXXX. I notified them and paid them the insurance money from that. They continue to call me over and over, and every time they do n't seem to know anything about my situation. They continue to delay my foreclosure for reasons unknown to me. I think it has to do with trying to give me assistance, even though I 've declined that for years. I 'm tired of nothing happening and them not knowing what is going on.
06/07/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34609
Web Older American
XXXX XXXX, 2015, XXXX XXXX XXXX, ( my bank ), paid {$1000.00}, on my behalf, all for XXXX XXXX. {$520.00}, for XXXX XXXX mortgage, {$500.00} extra to principal. Carrington Mortgage Services, applied extra {$500.00} to XXXX XXXX. Statement instructed me to pay {$27.00} balance for XXXX XXXX. I telephoned, they promised to fix. XXXX XXXX, 2015, XXXX, ( my bank ) sent {$1000.00}, all for XXXX XXXX, to Carrington. Statement from Carrington tells me to pay {$520.00}, XXXX 's mortgage by XXXX XXXX, or I must pay {$17.00} for late charge, for month of XXXX 2015. HELP!
07/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46060
Web Servicemember
On XX/XX/2021 I requested a payoff for my mortgage, with Carrington Mortgage, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with Carrington and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.
01/25/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • TN
  • 37212
Web
Carrington Mortgage has been informed that a solid contract was in place, however they have continued pressing for foreclosure and will not stop the foreclosure. We have been more than forthcoming with the fact that this is ready to close but they tell us that we have to talk to the foreclosure attorney, the foreclosure atty says that only Carrington can issue the order to stop the foreclosure. We spoke to XXXX XXXX and she spoke with someone in home retention and they are passing it back off on the XXXX and XXXX the foreclosure attorney. Even with Autnorization
03/20/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • OH
  • 430XX
Web Servicemember
We have on numerous occasions submitted modification documents for our home loan number XXXX, XXXX XXXX XXXX XXXX OH XXXX. XXXX is in name XXXX XXXX. Each time we complete what they ask us to send and they keep changing what and where we need to send documents, how we have to send documents. We send the documents by the date they give us and then they change what is required. We keep trying to complete a loan modification with Carrington Mortgage Company but they are not consistent and are giving us the run around on how and where to complete our documentation.
03/18/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 38016
Web
Received foreclosure notice for my property because of late association dues. My current mortgage servicer as of XX/XX/2021 is Carrington Mortgage. The foreclosure letter showed XXXX XXXX the previous mortgage servicer on the letter. I have forwarded the information to Carrington Mortgage who is my current mortgage servicer. my current mortgage servicer. Spoke with Carrington Customer service XXXX, requested Homeowner Association delinquent dues be paid out of escrow and they put me on a 5year repayment plan. XXXX stated there was not any hing they could do.
02/28/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 47933
Web
I have tried three separate times to work with the loss mitigation team with Carrington Mortgage group and applied for forbearance in which the company denied all request for loan modification even when I had agreed to a loan modification in three separate payments presented to me by the company. Now the company refuses to look over my application for loan modification once again and has placed my home in foreclosure and has not made it easy for me to get any answers with the foreclosure time frame to stop the foreclosure process and work out a deal with me.
11/27/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 499XX
Web
My mortgage was in the process of a XXXX modificiation due to a financial struggle. I am currently XXXX payments delinquent, with an additional payment due before XXXX XXXX 2016. Once three months behind, the company will begin foreclosure proceedings. I made a payment via XXXX on Monday XXXX/XXXX/2016 that equaled an entire monthly mortgage payment. The mortgage company refuses to accept this, stating that they will only accept XXXX full months payments. Since then, they have also denied my XXXX loan modificiation, for reasons that they have yet to give me.
07/21/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • XXXXX
Web
I was told I was approved for a home loan equity of {$37000.00}. This was back on XX/XX/2023. The loan XXXX I was working with was XXXX XXXX. But I had some repairs to be repaired at the time. So I worked hard in getting them completed. Now I get told i was never approved. I'm always denied. They just wanted me to complete the repairs by telling me that I was approved. I was never sent a denial letter. I have equity in my home and I can't even access to pay off some debt. There is another loan XXXX trying to get me approved but it seems hopeless for me now.
11/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 78218
Web Servicemember
i have been dealing with Carrington. They, at this time, keep asking for more information and will start taking payment and then stop. The house and everything was supposed to be switched into my name, and then it keeps going back into my mother 's and father 's name. Then I have to go back to the first steps to get them to talk to me. But they still requested information in my parents ' names, who both passed away. last state showed XXXX to pay off now they want over XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX and XXXX XXXX XXXX account number XXXX
09/23/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 78249
Web
CARRINGTON Mortgage is servicing the USDA loans wrong. I paid off my mortgage before the next annual fee was due, and they charge the annual fee for October 2021-September 2022, I paid off my loan in XX/XX/XXXX. I called to dispute the amount I received from my escrow balance since it was missing about {$420.00}. They stated that the USDA are backpay, so the fee they charged was to cover for XX/XX/XXXX to XX/XX/XXXX. I know that is information they are giving is completely wrong. They are charging me for an annual fee when the loan does not exist anymore.
10/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34744
Web
Hello my name is XXXX XXXX, I usted have a mortgage loan with Carrington mortgage, and they reported that I missed a payment in the month of XX/XX/2020 when I was in forbidden do to the coronavirus ... I call several times and they have everything in records but they have not sent anything to the credit board ... I don't understand why this company can do something like this and know about it and don't have any intention to fix the issue, is all in records. In my opinion this is retaliation because I refinance with a different bank. Is not acceptable ...
10/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 381XX
Web Older American
Spoke with Carrington Mortgage customer service XX/XX/2021. I was informed my request for mortgage assistance was being processed for the Covid-19 Mortgage relief program. I asked had the sale date for my home been canceled, I was informed it had not been. I was told Carrington does not cancel foreclosure sale date even though they are processing my request for mortgage assistance. I have read if your mortgage company is processing your mortgage assistance request they are suppose to post pone the sale date until the mortgage assistance has been processed
04/23/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MT
  • 59901
Web
Our mortgage was sold to Carrington MS , Inc about 6 months ago and they have made it nearly impossible to pay more than our minimum payment. We always try to pay extra to pay down our premium and previous mortgage servicing companies have made it easy to do so. Carrington, however, wants to collect as much interest as possible and refuses to work with us to make paying our loan off early a reality. It is frustrating that mortgage companies can sell our loan whenever they want, but our only recourse to rid ourselves of a selfish company is to refinance.
03/12/2016 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • AR
  • 723XX
Web
XX/XX/XXXX I reported that Carrington Mortgage placed on my credit report that my mortgage loan ( XXXX ) was discharged under bankruptcy. I stated and explained to XXXX XXXX, Customer Advocate for Carrington MS , that my mortgage with them was never placed under chXXXX or any other bankruptcy relief. We spoke on the phone and she said that this information will be taken off. When I later checked it had been corrected. Today, XXXX XXXX, XXXX, I was looking at my report and see that this bankruptcy discharge information has been placed back on my account.
04/17/2017 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • TX
  • 77450
Web
I refinanced my home loan through the same company we already use for our mortgage, Carrington Mortgage services. We closed in front of a Notary on XX/XX/2017 It is now ) XX/XX/2017 and we are not funded and they asked for more money because they calculated wrong. They asked for more money on Monday after XXXX when our loan should 've been funded. I was told it was to be funded Sat after our 3 day period to change our minds. I now worry about my credit and late fees because I was told my part was paid so I used my money I saved to pay off another bill.
05/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 14450
Web
Company increased my mortgage payment for escrow shortage. Claim they sent a notice although I did not receive it. My auto-bill payment account completed an on-time payment using the old amount ( {$55.00} short of new payment ), after which i received a letter stating no payment was received. I was charged a {$25.00} late fee that the company would not reverse. At present, the company is still holding my payment without applying to my account, stating they can not apply until full payment is received. This does not seem like proper accounting practice.
09/15/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 77706
Web
The below action that is required by Carrington did not occur. ( 4 ) Homeowner Assistance Fund The Mortgagee must inform the Borrower, utilizing any available method of communication, that they can apply for the Department of Treasurys Homeowner Assistance F und ( HAF ), if HAF is available in their jurisdiction. As permitted by the jurisdictions HAF program, HAF funds may be used in connection with the Borrowers FHA-insured Mortgage or any Partial Claim Mortgage in a manner consistent with the respective mortgage documents and FHA requirements .
06/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92563
Web
I fell behind on my mortgage due to losing by business, Carrington never reached out to me to offer any assistance. I was never assigned a point of contact and was never told I could submit documents to be reviewed for assistance until I researched it myself. I feel as though I was never provided a fair chance or options to save my home and now I feel pressured to try everything I can in the short amount of time I have before the sale date to get something done. If someone from Carrington had informed me of my options I would not be in the situation.
09/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • Trying to communicate with the company to fix an issue with the loan closing
  • NV
  • 89511
Web Servicemember
XX/XX/XXXX we finally got the assumption packet from Carrington after having to call and do escalation requests. Since the buy completed all documentation requested by Carrington so they could assume our loan. They company refuses to give us a stats and merely sends an email that's says, " packed submitted to underwriting, it typically takes 5-7 days '' the buyer will be notified. However the package was submitted on XXXX XX/XX/2023 and we still have not been given an update. We only receive the same 5-7 day timeline which they have already passed.
07/15/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • GA
  • 30088
Web Servicemember
CARRINGTON IS ATTEMPTING TO FORECLOSE ON MY HOME WITHOUT AN ASSIGNMENT OR IN RIGHTS TO THE PROPERTY, THE ONLY DEED RECORDED IS FOUND IN BOOK 73 PAGE 177 FILED XXXX XXXX IS THE ONLY THE SECURITY DEED HOLDER. THEY ARE ALSO GUILTY OF DUAL TRACKING. WE WERE WORKING ON LOAN MODIFICATION AND WHILE REQUESTING ADDITIONAL PAPER WORK THE PLACE MY HOME IN THE HAND OF XXXX CARRINGTON XXXX XXXX XXXXXXXX XXXX TO FORECLOSE ON MY HOME I MAILED A QWR OVER 60 DAYS AGO AND IT STILL HAS NO BEEN RESPOND TO. I SENT THEM A NOTICE OF DEFAULT AND I HAVE GOTTEN A RESPONSE
01/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • OR
  • 970XX
Web Older American
tried to get a modification through carrington mortgage services, that 's who services my loan. I am 7 years behind on payment do to lay offs, been working steady last 2-3 years making XXXX more dollars a hour then when I bought the house. I been trying to get a modification for years and no luck. I have filled out and sent back modification after modification to be turned down. XXXX tried to help, We had 2 meetings, 1st one carrington said it looked good and might be able to help us. 2nd meeting did n't say much, know I am heading for foreclosure.
09/09/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 31313
Web Servicemember
I am a XXXX XXXX XXXX XXXX veteran that was just affected by Hurricane Dorian under a mandatory evacuation. I am trying to save my home from foreclosure and sent in a 75 page loss mitigation workout package After I sent it they said there was a foreclosure sale date for XX/XX/19 and they would not review me because they didn't receive my application until XX/XX/19 just under the 37 day time frame they claim is required before a sale date I sent it by fax on XX/XX/19 but they took 2 days to process it and I should not be penalized for their delay
01/08/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 023XX
Web Older American
Carrington Mortgage Services , LLC ( credtor 's fed id # XXXX ) XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, CA XXXX XXXX Creditor cancelled debt in XXXX. Issued a XXXX to debtor, notified Mass Dept of Revenue and IRS. Agencies issued an assessment for taxes due. Debitor paid both agencies ( {$15000.00} +/- ). Creditor failed to issue Loan cancellation documentation to debtor. Now debtor attempts to refinance loan in XXXX. Carrington denies owning any paperwork stating loan is closed. My attorney for refinancing my home loan has been ignored by CMS.
04/02/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 482XX
Web
I recently received a notice from my mortgage loan servicer Carrington Mortgage Services indicating the only way to make my mortgage payment without paying a payment fee is to sign up for automatic payments. If consumers fail to sign up for automatic payments they will be charged up to 20USD to use any other payment methods ( I.e. Online, pay by phone, customer service representative ). This does not appear to be legal and I would like to understand if this is required. It appears to be required for all consumers no matter their account standing.
11/28/2023 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • Paying off the loan
  • TN
  • 37918
Web
I am currently in the process of selling my current home and I received a payoff amount that included an amount that was created by falsely doubling a partial claim that was filed with HUD. I had a partial claim registered for $ XXXX and that was registered. I am no Im the process of selling my home and the company is trying to say that I somehow owe them XXXX $ on top of my mortgage to pay them off. I have provided all documentation proving that they are trying to double the amount due and they are refusing to help assist regarding this matter.
10/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 63123
Web
My dad passed away in XX/XX/2017. There is a beneficiary deed on file that names my XXXX brothers and myself ; we have since transferred ownership with the city assessors office to our name. The mortgage company has been faxed & emailed this documentation four times now over the last 4 months. They continue to ignore our requests or make the process simple to finalize the Successor In Interest. I have escalated the complaint to the supervisors and continue to receive zero response. It's almost as if they are trying to force us into foreclosure.
08/19/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 63368
Web
We inquired about loss mitigation options for our mortgage. We were sent a packet of information/forms to complete. We submitted the required documents on XXXX/XXXX/16. We received a letter requesting add'l docs that were sent on XXXX/XXXX/16. We have not once heard from anyone at Carrington via phone or email. All of our attempts to reach our SPOC listed on a letter received, have not been responded to. We have not received any communication regarding add'l information need nor have we received any communication that a decision had been made.
12/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89178
Web Older American
In my last loan modification, my second mortgage loan was eliminated after the 2008 mortgage crisis. I did received a cancellation of debt shortly after. I do not have records of the cancellation of debt or my tax returns when I filed. I have tried to request records from the mortgage company but they have referred me to the customer research department and they have never responded to my requests. My loan was apparently sold to another company and then a collection agency. I received a phone call that my house will be going into foreclosure.
03/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • ME
  • 046XX
Web
on XX/XX/2020 XXXX XXXX at carrington wrote that he wanted to see the inquiry pulled by carrington on myself, he was provided this information and he has failerd to act per his response to delete inquiry, mr XXXX was provided credit report XXXX inquiry yet he has failed to act within the 60 days he promised .he stated he could not find inquiry i have provided it to him in black and white below was sent to mr XXXX XXXX interactive inquiry CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : XX/XX/2020
05/26/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85546
Web
in XXXX I received a letter from XXXX XXXX XXXX stating the rate of the MIP will be lowered from 1.35 to .85 % and my payment will drop about XXXX $ I did n't need to do anything it would just come off in XXXX then I get another letter from Carrington Mortgage stating they have bought the loan and will be servicing the loan the rate was not dropped I called and they stated it will in time I just called again and asked why it has n't dropped yet they stated I di not qualify for the reduction in MIP due to the loan was not old enough???? Help
08/19/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 217XX
Web Older American, Servicemember
I’m a XXXX XXXX year old XXXX era vet prequalified for a mortgage refinance. I have never been late for a mortgage payment in the last nine years. I pay online using XXXX, my information is stored automatically. I made my XX/XX/XXXX payment on the XXXX of XXXX, found out several days later it did not go through. I made another payment on XX/XX/XXXX, it did not go through either. Your help with this matter would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXXXX/XX/XXXX confirmation # XXXX. XX/XX/XXXX confirmation # XXXX
12/02/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • TN
  • 38134
Web
I requested a mortgage modification from my mortgage servicer, Wells Fargo Bank is refusing to modify my mortgage. My Father recently passed and he was XXXX for the past year and I had to assist with his care and medications until his death. My loan currently does not include my taxes and insurance in escrow and I also have a second mortgage on my property as well. I do not want to lose my home. I would appreciate your assistance in this matter. I have also submitted financials with the mortgage modification request. Please see attachment.
02/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43068
Web
Carrington Mortgage Service consistently will report my loan delinquent 60 days even when my loan is current. My XXXX and XXXX payment was received on XX/XX/XXXX, however, as of XX/XX/XXXX my credit report still shows as 60 days past due. I am current on my mortgage, however, Carrington continues to report my mortgage a past due which is currently affecting my credit rating and making it very hard to improve my credit score and obtain credit. I have used XXXX XXXX and XXXX XXXX offered via XXXX XXXX to monitor my XXXX and XXXX report.
11/14/2015 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • OH
  • 43224
Web
I got approved for a loan to buy a house I have submitted everything I need to for them I paid for the inspection and paid good faith check after all of that they said I did n't get approved for the loan to cancel my contract because they do n't want to wait for the down payments assistant said that the Sellers do n't want to wait that long I feel like they are getting over on me I feel that they should have told me that I did not get approved before I spent my money and picked out a house Carrington mortgage in XXXX Ohio XXXX XXXX XXXX
08/31/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 31419
Web Servicemember
Carrington Mortgage -I have tried to see why they are not updating my payments through the website. I paid XXXX and it still showing that it has not been paid as of XX/XX/XXXX. I can see on the website the payment distribution but not from the current due amount. I got a phone call on XX/XX/XXXX in response to an email that broke down all of my payments in this email I asked for an email for my records but they keep calling. I believe that they are being deceptive by now showing my account accurately and by now reporting it accurately.
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75019
Web Servicemember
I initially received an email from the Carrington representative indicating items to address on my credit. Upon receipt of the email, I spoke with the FD Carrington representative and indicated I did not submit the credit check authorization on the website. I explained that I exited from the webpage prior to hitting the submit button. The representative proceeded to inform me that the system does that and does not tell you it was submitted. Therefore, I did not give permission for the company to run the credit check for a hard inquiry.
05/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • CA
  • 91911
Web
I have been trying to get Carrington Mortgage to resume Reporting to the credit bureaus the mortgage payments after my Chapter XXXX Bankruptcy for quite some time with no success. I have already provided the signed letter and borrower authorization within the same letter to permit Carrington Mortgage to resume reporting to the credit bureaus by my attorney. Numerous attempts have been made to get someone on the phone who can help me in this urgent matter in a timely fashion. To my surprise no progress has been made just empty promises.
08/25/2020 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • AR
  • 72113
Web Servicemember
I am in military and had to move due to service. On XX/XX/XXXX I made a principal payment of XXXX dollars because we had an offer on home. During that time I have had several problems on XX/XX/XXXX I called because it was not done. They told me that I they made a mistake and would correct so I could close. Since then called everyday nothing was done. I also made another XXXX principal payment that was not paid to principal. Long story short I was suppose to close and lost the chance to close on my house because of carrington mortgage
01/30/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • 85621
Web
This has been a 15 year process with a loan modification with XXXX. My original loan was for $ XXXX they agreed to modified it for {$200000.00} a 15 year loan to a 30 yr. loan. I never had the opportunity to get equity. Before covid, they transfer my loan to Carrington, but Carrington foreclosed the house even though we have a written statement that the foreclosure was moved a month because of the litigation process. XXXX and XXXX is now evicting me. I am attaching documents that I would like your office to review them. Thank you.
09/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30087
Web Older American
( I want to Change this COMPLAINT TO A NEW COMPLAINT NUMBER ) Due to the FACT of the NEW ISSUE THAT HAS TAKEN PLACE THAT INCLUDE HUD NOT FILING NEW RETALIATION CLAIM WHERE CARRINGTON ACTUALLY PUT HOUSE IN FORECLOSURE XX/XX/XXXX and they gave me a old CLAIM NUMBER that was already close in XXXX. ( This also should be change to new Claim Number ) because Carrington REFUSE TO ACKNOWLEDGE XXXX XXXX XXXX XXXX XXXX DOCUMENTS that was submitted to her to ANSWER. The Documents was 29 Question to ANSWER THAT is in REFERENCE to this CASE!!!
02/12/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web Older American
Hi, the problem with this mortgage services is that even paying the mortgage, also the home Insurance, the mortgage company refused to pay the damages on the house caused for a water leak, this incident is already reported to the XXXXXXXX city water services and the water service is cut off. Mortgage XXXX # XXXX. The water leak was reported on the first week of XX/XX/2022, the incident was reported to the water services and Carringtonm mortgage services LLC. I WILL NOT RECOMED THIS MORTGAGE COMPANY SERVICES FOR FUTURE HOME BUYERS.
07/09/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60655
Web
My payments were set up Bo-weekly I called and spoke to a representative that states because o was ahead in my mortgage I could stop them and start them back up in a month. I called and was told that wasnt possible and it was never offered. I stated look at my account and was told its nothing we can do. The customer representative should not lie to consumers., had I known I would not have stopped it. You cant slam people into Bimonthly or monthly! I have been lied to and dont appreciate the lack of knowledge. This does not help me
04/19/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • XXXXX
Web
I submitted a RMA. The decision was in my favor however I disagree with the calculations. I asked to discuss this with underwriting and filed an appeal. I was denied access to underwriting and was told by a rep in the home retention dept that my appeal was denied. Denial reason was that underwriter calculation always uses a yearly wage calculated by hourly rate for a 40 hour week year round. I submitted verification of 5 temporary layoffs that are a standard work at my company. The underwriting dept refuses to use this information
07/06/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 78728
Web Older American
XXXX XXXX XXXX XXXX XXXX transfered our mortgage to CARRINGTON MORTGAGE SERVICES LLC at XXXX XXXX, XXXX CA XXXXXXXXand since then XX/XX/XXXX/XX/XX/XXXX, our numbers do not coincide with what the new CARRINGTON XXXX claims. which is leading to larger monthly payment. We do not receive monthly notices nor any other updates and seem to have to pay approx {$300.00} more monthly on a house we have been paying on since XX/XX/XXXX. Do we need to contact any State or Federal Fraud investigators. Loan was always current. XXXX sold us out.
10/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89044
Web Servicemember
Our loan was transferred to Carrington Mortgage Services in XXXX. Our payment amount was made in the correct amount of {$2700.00}. On time for months. Company has been reporting us late since they took it over in XXXX saying that we didnt pay enough money ( even though it was the exact amount on the statement ) so they didnt apply the amount until we payed our mortgage the next month and so on. Company will not fix it claiming our payment has always been {$290000.00}, even thought we have statements from them showing {$2700.00}.
06/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 35633
Web
My mortgage was sold to Carrington Mortgage from XXXX. I wasnt notified of the change until nearly 60 days. On my credit report it shows 3 months of 30 days late from carrington mortgage but I talked to them and told them what happened and they said they would correct this. Also my banking info was entered in wrong on their end and I was making payments and they were not going through. They again said they would correct this on my file and they have not.i tried to get it straightened out and they said they would take care of it.
10/19/2015 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • PA
  • 179XX
Web
Carrington Mortgage reported 2 late payments on my credit report for both XX/XX/2015 and XX/XX/2015. The property was being rented for the previous 4 years and was sold XX/XX/2015 leading me to believe the late payment marked for XX/XX/XXXX was erroneous. I followed the instructions given to me by the mortgage company in resolving this issue but they said they can not give me a phone number for the department that is responsible for resolving this issue. I am now having great difficulty in acquiring a new mortgage for my family.
03/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • VA
  • 23228
Web Older American
XXXX XXXX dept of taxation waived my XXXX real estate taxes due to my age and having met the qualifications for the REAP program. On XX/XX/XXXX the taxes were returned to Carrington Mortgage for return to my escrow and then to me. As of today XX/XX/XXXX no one can tell me were my money is at. Can not seem to find any answers. Investigation started in XXXX due to complaints lodged and was to be completed by XX/XX/XXXX. XXXX Va confirmed that Check was received XX/XX/XXXX. As of the date of this filing I have received no answers!
07/22/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • VA
  • XXXXX
Web
Owner of this unit has neglected exterior maintenance since taking ownership in XXXX 2016. On XXXX/XXXX/16 the water authority had to turn off the water due vandalism causing water to flood into the neighboring unit and cause further damage to the exterior of this unit. After two weeks of attempts to get this situation rectified due to neighbors expressing concerns with potential mold spreading throughout the entire row of homes I have received no return calls nor have the owners cleaned up the exterior or interior of the unit.
03/25/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • SC
  • 29316
Web
My loan was recently transferred from XXXX XXXX to carrington mortgage. Yesterday i made my first payment to carrington. They charge a {$5.00} fee to pay online, and {$10.00} to pay by phone. XXXX did not charge me to make mortgage payments online. Can carrington legally do this? Their services and reputation are apparently sub par to XXXX. I feel like I'm being punished by having had my mortgage transferred. Carrington was not helpful in their online chat nor on the phone, after approx 30 minutes of hold time to reach them.
04/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 701XX
Web
I sent an electronic payment on XX/XX/2018 in the amount of {$450.00} and the servicing company said they never received the payment. My bank verified that the company did in fact, received and deposited the payment into their bank account. However, they never reflex the payment as received or updated the dates on my account. I have sent letters from my bank, and proof of transactions made, and I have contacted the company almost everyday and I am still waiting for them to respond and make the necessary changes to my account.
02/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33414
Web
I have loan with carrington mortgage services in my home XXXX XXXX XXXX XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. I Am in the market to buy a home now. due to this late report i can't get loan approve. The XXXX come as REFER/ELIGIBLE.Please advise carrington to remove this 30 day late reporting. I ATTACHED THE XXXX XXXX
05/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 32301
Web
I've contacted CARRINGTON MORTGAGE SERVICES & they told me I've never missed a payment, yet XXXX and XXXX refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do XXXX and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. CARNGTN MTG XXXX
02/24/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 11212
Web
On XX/XX/2021 Carrington Mortgage representatives provided information that my XXXX XXXX mortgage only qualified for a 12 month forbearance but the policy indicates that I qualify for a maximum of 18 months. I verified this information by contacting XXXX XXXX. Carrington XXXX has consistently provided me with incorrect information regarding COVID forbearance and modification leading me to make uniformed decisions like starting repayment prior to being able to. They are misleading many of their customers into foreclosure.
12/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • 85339
Web
I am on Social Security XXXX and have been trying to modify my home loan to make the payment more affordable. Carrington Mortgage has been dragging their feet, losing documents I send them, and trying to stall the modification process as long as they can. I have sent Carrington Mortgage ALL the information they requested and I am currently working with them to get the loan modified, but they just sent me a Notice of Trustees Sale! I have no other place to go and Im XXXX! I dont want to live in the street! Please help
02/15/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60466
Web Servicemember
Carrington Mortgage has been over charging me on escrow since the man was transferred to them from XXXX XXXX XXXX. At first they were charging me XXXX for my mortgage after being reported it went down to XXXX. This was still to much as they were charging me based on a XXXX property tax payment in XX/XX/2019, but the payment was only XXXX. XXXX knew that the payment was not XXXX and continued to charge me over 150 dollars per month extra for escrow. Even after making the payment, they refuse to make the proper adjustment.
08/02/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 622XX
Web
Carrington Mortgage company is threatening to forevlose and they do not have my records of past mortgage that was transfered to them by XXXX. I was assured in communications all my documents would b sent. I was granted a 60 day stay / grace period due to transfer. Carrington is failing to accomodate their own words. Carri gton threatened me with un official certified mail in an attempt to threaten me. It is NOT CETIFIED MAIL. I contacted the USPS and they assured me it is an envelope to resemble threat of official letter
08/21/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 91355
Web
My current mortgage servicer, Carrington Mortgage, refuses to remove the Mortgage Insurance from my FHA loan even though I have met all qualifications. Every time I call, they give me a further out date when it will be removed, when that date approaches and it is not remove I call again and they give me a new date of removal. Per my records it should have been removed XX/XX/2019. I have met all qualifications based on when my FHA loan was originated. I have sent written requests with no response and made numerous calls.
09/29/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48313
Web
Carrington Mortgage Services , LLC, XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX is unfairly inflating the Escrow reserves amount in order to increase our Monthly Mortgage Payment by 21.77 %. The escrow analysis was incorrectly prepared to reflect XXXX Winter Property Taxes being paid in XX/XX/XXXX, and XXXX Summer Property Taxes being paid in XX/XX/XXXX. The escrow reserves amount is excessive. Customers of Carrington Mortgage Services , LLC should be warned about the unfair servicing practices of this Mortgage Servicer.
04/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 633XX
Web
XXXX house fire, insurance paid check $ XXXX to rebuild, total loss. Mortgage Company keeping XXXX XXXX, been trying to get this back since XXXX. Mortgage holder since they purchased our loan on XXXX. I have never been late with this mortgage in the XXXX years been paying on it, we have about XXXX value at this time and only owe $ XXXX, so no reason why they will not reimburse our monies there holding. They want a clean lien release but until I get my monies cant complete home to be rebuilt. Builder needs too be paid.
04/01/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 94565
Web
On XX/XX/2020, I called Carrington Mortgage Services Home Retention Department and spoke with Griselda. She told me my modification had been approved, she explained the offer, and told me to sign and send it back. I received the offer by USPS First Class Mail on XX/XX/2020. It is dated XX/XX/2020 and postmarked XX/XX/2020. The due date given me to accept and return it with my signed decision is XX/XX/2020. My past due balance will be added to the balance due on my 30-year mortgage and my payments reduced by {$31.00}.
12/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KS
  • XXXXX
Web Servicemember
I received a demand letter for {$9100.00} due XX/XX/XXXX. However I have not received anything regarding the request for modification. I did however receive a letter with my contact phone number of XXXX which was my XXXX 's phone number who XXXX XXXX XX/XX/XXXX so the number is no longer active and I have no idea where they got the number? I have emailed the 62 page documents along with the RMA. I was told page five of the RMA was not dated but I am looking at it and it was dated XX/XX/XXXX. Please modify my mortgage!
12/15/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32809
Web
Carrington Mortgage has been giving me the big runaround about a loan modification, meanwhile they are tacking excessive fees running up the amount they say they are owed. I demand that they produce a promissory note or some other proof that they are the bank that even owns the property. I should not have to hire an attorney to force them to produce proof that they are they have a legitimate copy of the note, especially if they are going to try to claim that they are owed way above what the monthly payment should be.
10/11/2016 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 660XX
Web
Called to collect payment on a payment that was not due for 5 more days. The company called my place of employment to reach me prior to trying my personal number. I had not provided my work phone number. In starting the phone call they said that they need to inform me that this was an attempt to collect a debt. I am a customer/account holder for a mortgage this language is commonly used for delinquent accounts not accounts that are current. Last month they called before payment was past due to my personal number.
08/14/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 476XX
Web
My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services. Carrington is requiring me to keep a escrow balance not to fall below {$680.00}. There is nothing in my loan contract that gives them the right to do that. My targeted low point was {$0.00}. XXXX XXXX XXXX did not do this. The balance fell as low as {$250.00} one year. Even their letter states my targeted low point was {$0.00}. I feel this is a breach of contract and that my loan terms should prevail over their policy. I did not AGREE TO THIS.
07/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70131
Web Servicemember
It appears that bankruptcy XXXX XXXX is incomplete and inaccurate on my credit report remain a faurd which close as order by the judge XXXX XXXX stated that XX/XX/2019 bankruptcy have been closed due to non verify information on credit report, so she submitted the documents to XXXX fail to respond. Also department of XXXX submitted that XXXX accounts with XXXX balance and it's been XXXX completely off my credit report. I am requesting a investigation under the FCRA to removal of theses items of my credit report.
05/31/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • 10304
Web
I have made large amount of payments in the past 3 months so that I can pay off my mortgage sooner but my last payment wasnt applied to the principal only this has XXXX going on since XX/XX/XXXX also I tried to refinance my loan and after they collected their appraisal fee underwriter said I dont qualify for refinance I have XXXX credit score and no credit card debt carrington said I dont qualify I currently have 8.75 interest rate I owe $ XXXX house is worth $ XXXX and carrington said I didnt qualify please help
08/17/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 920XX
Web
I was modifying my mortgage loan with Carrington mortgage. The representative I was working with told me I had to stop making my mortgage payments in order to qualify for the remodification. I was told that the late payments would not be reported to the credit bureaus. I did so and the remodification went through. Several months later though I checked my credit and the lates had been reported and now my credit is suffering because of it. I 've contacted Carrington several times and they 've never called me back.
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 601XX
Web
on or about XXXX. XXXX 2023 I disputed my credit report with XXXX XXXX XXXX XXXX about inaccurate information on my credit report .It was reported that I was 60 days late an 30 days late with my payments, after a investigation by XXXX XXXX XXXX XXXX said the late payments ave valid. XX/XX/ 2023 I talked to the creditor and verified my payments with my bank statements. They updated my report with more late days.i enclosed my bank statements .my mortgage is due on the XXXX of every month, I was never 30 days late
08/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • XXXXX
Web
This mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage Services. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. Carrington has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
12/11/2018 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • XXXXX
Web
I have a loan with CARNGTN MTG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CARNGTN MTG with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XXXX, XX/XX/XXXX / XXXX - XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX, XX/XX/XXXX.
02/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 027XX
Web
carrington still denying borrower formal written requests to speak on non recorded line.why should borrowers be precluded from assistance or loss mitigation options because of this request which is totally reasonable and legal and as right of borrower in massachusetts .also XXXX XXXX at carrington sent a letter in response to borroweer complaints that are inaccurate and borrower has definitive proof that XXXX XXXX claims is not orrect and trying to paint borrower in unfavorable light to hasten foreclosure,
04/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 21220
Web
The lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - The client was approved for a loan modification and made his trial pmts - the lender removed the file from an approved mod status stating he did not provide the death certificate in time for the modification to be completed - then set a sale date on the property.
07/13/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 62521
Web
My mortgage servicer has repeatedly sent me notices to foreclose indicating I have not sent in payments, even when I have faxed proof of the payments directly from my banking institution. Their failure to appropriately apply my mortgage payments has caused the notices to be sent. I have been sent multiple notices to foreclose this year. I have given Carrington the proof they have required each time-copies of canceled checks and letters from my bank documenting the payments being deducted from my account.
02/02/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • AR
  • 72653
Web Servicemember
Carrington Mortgage, this company provided me with false information on multiple occasions not allowing me to make mortgage payments and then when they finally did they rejected the payment and sent me a check demanding full payment due and not allowing me to resume making my monthly payments after my forbearance. Claiming that I had to pay the past due amount in full. They began the foreclosure process which forced me to file for bankruptcy causing undue financial hardship for me and ruining my credit.
04/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • HI
  • 96817
Web
I have paid the final amount due on a mortgage, a refund was due to me in XX/XX/XXXX. I have called on a few occasions to ask for my refund to be processed. The amount was due to me in XX/XX/XXXX in the total amount of {$300.00}, I did not rec. the check. Call in XX/XX/XXXX to inquire when will I expect my refund. XXXX at the call center stated they will send a replacement check. I have not received it as of today. XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$94.00} I am still waiting for a refund of {$300.00}
03/18/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30263
Web Older American, Servicemember
We applied for mortgage assistance and was still sending in documents that they needed in XX/XX/2023 and never was told if it was approved. But In XXXX they called and said we were behind 3 months. And they wanted 3 months payments we tried but couldn't do it. And now they said it's in foreclosure. My husband is XXXX yrs old and has been affected by XXXXXXXX It has attacked his immune system. We don't want to lose our home. We have no place to go. And if he goes out and catches a germ it can kill him.
12/19/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NH
  • 031XX
Web Servicemember
I received notice that Carrington Mortgage Services is now servicing my Veterans United Home Loan. The XXXX page letter does not contain any information regarding the valdity of this transfer. There is also not instructions on how to make automatic payments. The servicer wants me to mail my mortgage payment ( does not even list the payment amount ) to a specific address. I do not know the validity of this and do not know if this is a fraudulent notice trying to get me to pay them my mortgage payment.
10/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 38109
Web Older American
Spoke with XXXX XX/XX/XXXX Carrington customer service about my forbearance request and documents that was emailed, faxed XX/XX/XXXX and XX/XX/XXXX. XXXX she was rude and hateful. Documents that were sent was requesting a Covid-19 forbearance and my burrower authorization. I was told they were received XX/XX/XXXX but were not uploaded to my file. I explained to her I had received intent to foreclose from Carrington. and I needed my request to be processed. I was affected by covid-19 and now I'm XXXX.
11/22/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 33414
Web Older American
Currently in a short sale for my home. According to XXXX documents attached, I should be eligible for XXXX in relocation assistance. I have attached the mortgage companies request for mortgage relief documents. Carrington Mortgage is a participant in this program as is highlighted. I received a notice from the title person copied to the realtor that I was not qualified for the reasons stated on the very XXXX page of the attachment. Non of the disqualifiers are part of the eligibility criteriea given.
07/10/2023 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 31410
Web Servicemember
I found out today that because Carrington Mortgage reported me as having a 180 day late in error ( which I am still trying to get fixed ), there is no potential for me to buy a house before I die. I was told I would be able to purchase a house once 12 months has past since Carrington reported the 6 months of delinquency ended. PROBLEM ... .... I was never late for 6 months and then these idiots never filed dates because it never happened. It only shown on my report as a 180 day late with no dates.
02/10/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • XXXXX
Web
My mortgage was sold to Carrington Mortgage Company from XXXX XXXX XXXX. If I send a payment in the mail, there is no telling if it will get to Carrington on time. After contacting XXXX at Carrington, he informed me that there is no " fee free '' way to pay other than the mail in method. I told him that I do not believe that is fair that my mortgage was sold to a company that does not allow payments to be processed for free online. I was able to make my payments with XXXX XXXX XXXX online for free.
07/20/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CT
  • 06840
Web
Hi, I have a FHA loan originated 2016. I pay monthly PMI on this loan since my LTV at closing was above 90 %. The common knowledge was that after reaching a LTV of 78 %, the PMI will be removed. Now, it just found out by the mortgage provider and the HUD, that the rules have changed and you have to carry a PMI for the full length of the loan of 30 years. That doesn't make any sense, so for example you have to pay mortgage insurance in year 29 of your mortgage, when it basically is almost paid off.
05/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MI
  • 48197
Web
On XX/XX/XXXX started to receive emails from Carrington Mortgage to Refinance my mortgage with them. I declined. On XX/XX/XXXX I received 2 more emails and a phone call. Declined both requested for them to stop. On XX/XX/XXXX received 3 more emails. Requested them to stop. On XX/XX/XXXX they started calling random family members of mine that are not on any of my mortgage documentation to get to me. Requested them to stop again. This has been a nightmare of harassment to me and my family members.
10/10/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38141
Web
Received a letter XX/XX/2019 saying Notice of Sale of Ownership of Mortgage loan. XX/XX/2019 I received a foreclosure letter from XXXX XXXX XXXX a foreclosure attorney saying the sale date for my home is XX/XX/2019. The Mortgage Transfer of Ownership Notices / The Truth in Lending Act requires the borrower is to be notified in writing of the owner or assignee within 30 days after the loan is sold. I was notified within 30 days. I have also request mortgage assistance for my delinquent mortgage.
04/04/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MI
  • 48186
Web
My husband and I have submitted a loan modification 3 times in the last 5 months and keep being denied, due to monthly payment increase, according to Carrington mortgage. They will not work with us to help keep our home. I've talked to their loss mitigation department several times about this situation. They are also charging frivolous charges for things that shouldn't pertain to our situation. Every attempt of sending them money has been returned to us because the amount wasn't enough for them.
02/29/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MI
  • 488XX
Web
Carrington mortgage services outdated software has caused me to incur fees and unwanted stress from issues surrounding electronic payments from online banks. They are now refusing to accept a payment from me that isn't certified funds based on their errors even though the account is not yet in default. They are going to cause the account to be in default purposefully by not accepting payments via ACH or by bank issued check, both of which have been attempted and funds are available immediately.
03/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 027XX
Web
a XXXX XXXX was assigned to the account well over amonth ago, he finailly reached out to borrwoer rep the other day, we hav elost so much time and now carrington states foraclosure to be put in paper XX/XX/2019/thsi was caculated ,2 weeks went by and i asked XXXX XXXX why has not gotten back to me and stated he was sick, then no calls twoweeks now forclosure, this is very disengenious.demand is madeborrwoer have formal discussion on loss mitgation options!! this is and unfair business practice.
09/21/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • GA
  • 30052
Web Servicemember
On XX/XX/2023, I notify Carrington Mortgage Services LLC that they were over charging on my escrow account based on XXXX XXXX 's annual assessment which I have attached. The county has granted me an Homestead Exemption which stabilizes the Tax and property value. Carrington Mortgage choose to ignore the new numbers and continue to inflate my home value by around {$30000.00} which has increased my insurance and escrow, yet they continue to collect county tax fund which they are not entitled to.
05/01/2023 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NC
  • 27105
Web Servicemember
I had a previous complaint XXXX This suppose to have been resolved. It was not. XXXX XXXX was suppose to have waived all the fees and correct my credit report. He was suppose to had sent me a copy of my mortgage that was redone with the rate of 3.75. He did not. Now they have sold my mortgage to another company adding more money than what I am suppose to owe. I sent them XXXX to them in XXXX stating that I am showing good faith that they would fix what they promised. They still did not fix it.
06/25/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 45414
Web
We have been trying to close on our home, but our mortgage company ( Carrigton Mortgage ) constantly fails to provide an accurate payout amount to the title company or to us. Moreover, the company charges a late fee to all customers closing on their mortgage, regardless if a late fee has occurred. They inform us that they do this because they assume we are going to be late on our payment. Is this practice legal? In addition, they are not being clear on the current status of our escrow balance.
01/19/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • IL
  • 60099
Web Servicemember
I am a XXXX Veteran and I recertified late for my tax exempt status. They made one tax payment of which I owe an extra XXXX a month for 36 months. They have my status on record but they are still trying to make me pay taxes into an escrow account that is tax exempt. They are holding XXXX, a full payment in unapplied funds and they increased my mortgage from XXXX to XXXX to XXXX. These are and frustrating unfair business practices. I have been trying to tell them since XXXX 2020, to no avail.
08/19/2020 Yes
  • Mortgage
  • FHA mortgage
  • Improper use of your report
  • Reporting company used your report improperly
  • CT
  • 06010
Web
Cares act Mortgage forbearance States that your credit score will not be affected in forbearance however my Mortgage company ( Carrington Mortgage ) got around this by increasing the amount owed on the loan stating that the unpaid interest was added to the loan amount increasing the amount of the loan reported to the credit agency 's thus showing a higher debt to income ratio and lowering my credit score. which the cares act states should not happen So I'm being punished if I use forbearance
04/20/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 341XX
Web
I used XXXX XXXX XXXX for a loan when I purchased my home in Florida. I am a realtor and when the market went down I had challenges paying my mortgage. Whenever I asked for assistance I was unable to find out from XXXX who the owner of my loan is now that XXXX XXXX is gone. I truly believe that if I could get to the real owner of my loan, I could explain what happened and work something out with the owners so I can make my mortgage payments. XXXX will not reveal who this is.
06/29/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 147XX
Web
Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX 2015. Since then I have had nothing but trouble : I waited until almost XX/XX/XXXX to get any information on my account, they did n't honor my escrow decrease from XXXX XXXX XXXX, their escrow calculation resulted in a large jump in monthly payments which I requested to have spread over XXXX months and the representative never submitted my request. If I was n't so vigilant about my mortgage I could get really screwed.
06/09/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 43147
Web Servicemember
XXXX XXXX XXXX sold our mortgage to Carrington in XXXX 2015. We received a cancellation notice from our homeowners insurance stating that the invoice they mailed to Carrington has gone unpaid! What are they doing with my money? Stealing it from us! My husband tried to reach a customer service rep at Carrington today to resolve the issue, and he was on hold for over 15 minutes and did n't get the opportunity to speak with anyone. We have a VA loan and this is how they treat military personnel.
12/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 121XX
Web Servicemember
This is to dispute a negative remark from Carrington Mortgage Services. They reported a late payment for XX/XX/2021. Included is a mortgage statement from Carrington Services that shows there was no payment due for XX/XX/2021. It also shows multiple payments in the previous months which would have led to an overpayment. We later sold the home on XX/XX/2021 which effectively paid all debt to the lender. There are included documents reflecting this as well. Thank you for your time on this.
08/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 755XX
Web
My mortgage was sold by XXXX XXXXXXXX XXXX to Carrington Mortgage company. I wasnt notified of the transfer and only found out the month after transfer when i called in to pay the mortgage payment. I then contacted carrington in attempts to pay the loan with them numerous times, in which they had and still have a lock on the account and will not allow me to pay the loan. They are now reporting the account as delinquent and have ruined my credit score behind a loan they wont allow me to pay.
09/12/2023 Yes
  • Mortgage
  • Manufactured home loan
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • FL
  • 347XX
Web Older American
I applied for assistance to bring account current we were approved paid XXXX they are asking for higher payments to start XXXX I can't afford more than {$1000.00}. I've asked why? When escrows are evaluated payments began in XXXX XXXX XXXX XXXX 2024 I requested changes in writing none provided only phone calls attempting to intimidate scare me I am XXXX XXXX XXXX not well nervous after a DISASTER HURRICANE AFFECTED us Carrington damaged our credit making refinancing with other impossible
10/30/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AP
  • XXXXX
Web
Sir or Ma'am, I have problem of the Mortgage Company CARRINTON MORTGAGE SERVICES, LLC. I want to make a complaint. I am asking about the reinstatement letter loan that it IS NOT showing in details or itemized about what month that I owe, and what month will be paid but the company is not cooperating. Please help me if you can to let this company send me a bill with details or itemized what month I owed them. Thank you. Point of Contact : : " XXXX ; XXXXXXXXVery Respectfully, XXXX AP XXXX
11/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34219
Web
My loan account service was transferred from XXXX XXXX XXXX to Carrington Mortgage. They are showing there is some late fees that were transferred. I disputed the accuracy but the company refuses to send information to prove the accuracy of fees. Carrington also is reporting the fees as if they are a late payment. The account is current but they are unwilling to change the way it is reported. I have tried to get them to correct the way they are reporting but they say it is all accurate.
10/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01752
Web
My wife and I are behind of payments, and we try to pay split but the mortgage company is not accepting split payments anymore because there is XXXX behind payments that we couldn't pay. this situation is happening because we got covid and both of us couldn't work. so right now we own {$15000.00} dollars to the mortgage company, we needs some help because we can lose our home, and we don't want that happen. we didn't know about this federal application that the government could help us.
09/18/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AZ
  • 85392
Web Servicemember
I had a va loan through XXXX XXXX XXXX it was sold to carrington mortage and myself and other family members that are now making mortage payments carrington are being told all and any overpayments will not go towards principle only. They said they will not make any money serving the loan if they allowed us to make principle only overpayments. They told us we will still pay the all the interest even if we pay it off early Thanks Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX
07/07/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33418
Web
Carrington Mortgage Services is trying to raise my mortgage payment $ XXXX/mo stating that there is an escrow deficiency. There are many similar stories online after CMS takes over a loan that they have purchased. This creates a hardship and seems predatory. My loan is current and for the last XXXX years ( with XXXX XXXX XXXX ) has always been $ XXXX/mo, now they want {$1700.00}. I am nervous to pay them based on others stories that they will squeeze this out of me with no justification
03/04/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 923XX
Web
Carrington Mortgage charged me bogus property inspection fees every two weeks. They also put my payments in a suspense account and charge me late fees and report late payments to the credit reporting agencies. On XXXX XXXX they mistakenly took out XXXX payments for my mortgage when I had previously called to cancel XXXX. They have put me under financial strain and caused me to be late on other bills. My auto payment is late as well as utilities and credit card payments. Please help me
11/09/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • TX
  • XXXXX
Web Older American
Still moving forward with the forcloser while I am in review, hearing XX/XX/XXXX, this is a illegal forcloser, and demanding large sum of money, do not owe Carrington mortgage anything, they was forced to remove the credit report due to 7years since last payment in XXXX, the statue of limitations ran out when XXXX XXXX XXXX had the loan, made illegal assignment of deed to Carrington mortgage, a dept collector, they are also barred from filing suit, also, targeting the XXXX XXXX XXXX
01/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • XXXXX
Web
Talked to XXXX, today XX/XX/XXXX re fees on account totaling {$410.00}. it is 3 separate charges. XX/XX/XXXX Property Preservation Fee Billed {$14.00} XX/XX/XXXX Brokers Price Opinion Fee Billed {$130.00} XX/XX/XXXX Property Inspection Fee Billed {$260.00} She could not tell me what the fees were for. XXXX the lender who had this loan since XX/XX/XXXX sent it over to them in XX/XX/XXXX without my knowledge. I want to know what these fees are for as they have been added to my loan.
05/13/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 11221
Web Servicemember
XXXX XXXX XXXX using XXXX speed pay I incorrectly submitted an incorrect bank acct # in processing payment, which resulted in a 30 day derogatory to the XXXX reporting Credit Bureau by my Mtge server. I contacted them explaining what happened and requested a one time courtesy reversal .I was in process of refinancing loan and that because of negative report it made me ineligible to qualify They have refused to grant me. I have made my payments on time since XXXX/XXXX/XXXX to present.
11/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 974XX
Web
I had a problem with Carrington Morage Company. I was sent a letter for forbearance during the beginning of Covid. I called and was told I would have to pay all at once when forbearance was over and was told it would not be a good option or if I don't have it I go into foreclosure. This wasn't correct. There was Care act which I qualify for. This has decreased my health tremendously trying to make these payments.i have stressed and struggled. Carrington offered me no other solution.
11/29/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • PA
  • 182XX
Web Servicemember
Since XXXX I dont escrow reason why Im a XXXX XXXX Im exempt from real estate taxes and since XXXX I have maintained home insurance and I pay insurance once a year. In XXXX I refinance my home with XXXX XXXX XXXX. From XXXX I have XXXX, XXXX and now Carrington mortgage services. I have been paying Carrington since last year XXXX and the other the same amount now since last month they raise my monthly payment they implemented their own insurance and taxes when theirs no taxes bills.
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 12590
Web
On XXXX XXXX, XXXX I received notification that the following was written to my credit : CARRINGTON MORTGAGE SE has flagged your account as Loan Modification on XX/XX/XXXX. On XXXX XXXX, XXXX I called Carrington Mortgage who stated this was because my home was in a disaster area from XXXX, XXXX however I never took advantage of any of the benefits. Carrington Mortgage said it is my job to dispute this and ask to have it removed when they in fact this is a totally erroneous entry.
02/15/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11233
Web
I am actively trying to settle my foreclosure through the short sale option offered by my lender. However, there is a dispute over the value of the property and the lender is refusing to release the broker price opinion report that they used to determine the valuation. I have the right to receive a copy of any evaluation performed on my property. The lender is also refusing to review an independent appraisal report and will only take the opinion of one untrained real estate agent.
10/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • 44011
Web Older American
During XXXX XXXX and prior to them working with us for a forebearance so we wouldnt get too behind, our lender carrington mortgage continued to show us late, which currently as we are selling and trying to purchase our new home is decreasing our credit score drastically. To be exact, XX/XX/XXXX to XX/XX/XXXX. Plus they were receiving payments during that time. As we have been advised this should have never been reported. Is there anything you can do to help our current situation.
01/09/2017 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20601
Web Servicemember
XXXX XXXX and XXXX XXXX, consumers, received correspondence from CARRINGTON MORTGAGE SERVICES LLC, debt collector of an attempt to collect a debt. The consumers disputed the debt and demanded verification and validation of the alleged debt. The debt collector has refused to provide verification and validation of the alleged debt, stating the debt collector does not recognize the signature of the consumer on the dispute. The debt collector continues to collect on the alleged debt.
11/07/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38141
Web
Contacted Carrington mortgage XX/XX/2019 to check status of the mortgage assistance request I emailed and faxed Carrington 3 weeks ago. I was told by Carrington customer service they stated they had not received my documents and financials for mortgage assistance. Recently I have faxed and emailed my documents 3 additional times and they are still saying they don't have my documents. I feel and know Carrington is unwilling to work with me and they are giving me the run around.
06/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • MD
  • 211XX
Web
Closed our Loan XXXX, 2020 and as of today after several attempts to get answers from my lender, Carrington Mortgage Services, my title as not yet been filed. Although my loan has been closed and funded the title work still has not been filed. I have been trying to do another mortgage transaction and since the title from my loan that closed in XXXX, 2020 has not been filed I have not able able to proceed. I would appreciate it if I could get some help in getting this resolved.
08/12/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32060
Web
Carrington Mortgage Services has " lost '' {$700.00} of payments that I have paid towards my mortgage. They are considering me late and charging me monthly late fees. I have contacted them numerous times, provided copies of cashiers checks with no resolution. The " history '' they provided is so scattered it does n't clearly show me where the funds the were applied. Either they have violated RESPA with overfunding my escrow account or they have misapplied my mortgage payments.
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77303
Web Servicemember
Carrington Mortgage has not reported my mortgage payments to XXXX, XXXX and XXXX. I switched my homeowners insurance policy to XXXX XXXX XXXX and cancelled XXXX XXXX XXXX and this needs to be updated in the records. Last, I requested for Broker XXXX XXXX Lic # XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone : XXXX, Email : XXXX to list my property for sale. I have owned my home since 2018 and I would like to sell my property to purchase another.
03/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
Web Older American
In XX/XX/XXXX I was laid off from my job and did not receive any unemployment assistance. I sh paid the mortgage for XX/XX/XXXX. Under their Covid deferment I was given three ( 3 ) not to make any payments. I was told these pay would be placed at the back of the loan. All I had to do was make payments from XX/XX/XXXX. I sent them payments and they sent them back. They want me to pay the three payments that were deferred plus the other payments and that was not the agreement.
03/09/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85296
Web
Our mortgage was originally serviced by XXXX XXXX. It was recently purchased/transferred to Carrington Mortgage Services. When we attempted to make our first payment online, Carrington is charging us a " convenience fee '' of {$5.00} per payment. They purchased this mortgage and, as far as I understand, must abide by the original terms of the loan, including payment terms. Those terms include online payments without a fee. I consider this to be a violation of my loan terms.
05/15/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77493
Web
On XX/XX/XXXX I called called carrington mortgage regarding my escrow refund that had been returned by my bank. I incurred various bank fee because this check had been cashed the week prior. I was told this was a bank error. Then I was told It would have to be researched after I provided proof of the returned checks. I went back and forth with carrington for over a week. They told me it was okay to redeposit the check and it was returned again and I have incurred more fees.
04/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OK
  • 73107
Web
I recently got behind on my mortgage by two months. I've been trying since then to catch up on my mortgage payment. Carrington mortgage will not give me any information to catch my account up to current standing. They are starting to send me lawyer paperwork which they did three years ago, cost me extra $ XXXX. They keep trying to take my home! I need the balance to bring my account current which they will not provide! I have and can pay immediately. Help! Please, Thanks!
09/18/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MS
  • 38654
Web
In XXXX, I was notified that my loan was being transferred. I called Carrington Mortgage to cancel all pending ACH debits attached to my account. Instead of cancelling all ACH debits, they continued to debit my account of almost {$1300.00}. I had already begun making payments to the new mortgage company effective XX/XX/2020. I was told by Carrington they could not return the money to me even though it was their fault all of the ACH debits were not cancelled as requested.
12/13/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75134
Web
I am the consumer that extended the credit according to XXXX XXXX XXXX. Carrington Mortgage has failed to verify or validate the alleged debt owed upon my request. Carrington is also a third party company that received my personal information without authorized consent and has committed fraud and Identity theft. Initial discovery of this information was XX/XX/2021. The original alleged mortgage amount is {$70000.00}. The approximate alleged amount owed is {$31000.00}.
03/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IA
  • 501XX
Web
I had my loan modified because of Covid. Then lost my job. I called 4 month 10 days would not allow me to do a payment XXXX have found a job I and make about XXXX a month. When I called on XXXX XXXX. They told I was denied I could not make payments. She was not willing go, over financial. She could not even how much the payment would be. I know modified the loan XXXX of XXXX. I am willing make payments if someone would allow make payments. The company is Carrington
06/15/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • WI
  • 537XX
Web
To whom it may concern : I have been submitting documents to my mortgage lender so they can review me for a loan modification. They continue to advise that they are not receiving my documents when we are getting an email confirmation. Something is going on with their intake team that this delay is not helping me. I need a manager or supervisor to get involved and help me save my home! I don't need another excuse for them saying they never received any documents.!
11/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11434
Web
Spoke again to Carrington Mortgage Services today. I have listed CFPB as third party authorization on my account. They confirmed it. My account was in forberance, then I applied for Homeowner Assistance Fund thru Carrington and they did not put my account on hold during the process. They reported me late to all credit bureaus. My account still reported currently late after they recieved all payments and I already made XXXX and XXXX current payments. Please help.
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93001
Web
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as. late for any purpose. Same with mortgage late payments.
09/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • XXXXX
Web
Carrington Mortgage Service offered to defer 3 months of mortgage payments in XX/XX/2020 due to the Covid Pandemic, which coincided with my office being closed and no staff was available to make any payments until XX/XX/2020. Carrington then reported my XXXX and XX/XX/2020 payments were late when they had promised to Defer the payments without penalty. All payments have been up to date Since XX/XX/2020. Please remove late payment comments on my report. Thank you.
03/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28078
Web Servicemember
I submitted a dispute with XXXX, due to an incorrect payment status with Carrington Mortgage Company ; however the dispute was completed and the status still reflects " At Least 120 days or more than four payments past due '', which is still not correct. The mortgage was included in an active Chapter XXXX bankruptcy, and the house was sold in XX/XX/2018 & the mortgage was paid-off. The credit reports for XXXX & XXXX correctly reflect the status of the mortgage.
08/02/2023 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
  • CA
  • 95628
Web Older American
XXXX held the papers on XXXX sold to Carrington Mortgage XXXX XXXX. I called to either refinance the XXXX or begin paying for taxes and insurance. Carrington is only a servicing agency they gave me www.reversemortgage.org to locate the company, had no phone number. Tried that which listed financing agencies but NO Reverse Mortgage company listed under that name. I contacted them XX/XX/2023 at XXXX and to date no response. How do I contact the holder of my XXXX?
10/23/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 16601
Web
I GOT A E-MAIL FROM CARRINGTON MORTGAGE SERVICES ON SAT XX/XX/XXXX STATING MY ESCROW ANALYSIS WAS REDY TO VEIW ON THERE WEBSITE AND I LOG AND ITS NO WHERE TO BE FOUND AND THEY NEVER CALLED ME TO LET ME NOW IF MY ESCROW WAS GETTING DOWN BELOW A CERTIAN POINT AND NOW THEY RAISED MY PAYMENTS UP WHEN XXXX HAD MY MORTGAGE THEY CONTACTED ME TO LET ME NOW IF MY ESCROW WAS DOWN BELOW A CERTAIN AMOUNT AND THEN I WOULD SEND YHEM THE DIFFERENCE TO KEEP MY PAYSMENTS DOWN.
09/10/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CO
  • 80015
Web
I lost my job during the economic crash in XXXX and could not regain my salary until XXXX and have been asking to get a fresh start loan modification and Carrington Mortgage denied me because I make too much now. There is no way I can reinstate for of XXXX. HELP I must save my house. The denial occured on XXXX/XXXX/XXXX and I have until XXXX/XXXX/XXXX to APPEAL, and during that time there is no foreclosure but the sale usually is set for the XXXX of the month.
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 19701
Web Servicemember
In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! Carrington Mortgage : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ALL for the amount of approximately {$1900.00}.
04/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • AZ
  • 85085
Web
I had a home mortgage loan thru Carrington Mortgage Services and this was the worst mortgage company I have ever dealt with. So I decide to get a loan from a different lender in XXXX of 2016. Th e loan thru Carrington Mortgage Services has been paid off but still showing up on my credit report. I have called them and sent letter and emails to Custo mer Relations for Carrington to remove this from my credit report. I can not get no one to do this for me.
08/28/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 90045
Web
My loan to value ( XXXX ) is currently at 75 %. I contacted this company to remove my private mortgage insurance since I am still paying when I no loner required to do so. I previously requested removal of PMI which has not occurred. As a result, I would like it immediately removed and reimbursement of the all PMI since XX/XX/2018 ( when my loan was transferred ). This company continue to state that it takes time or they haven't received my correspondence.
03/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 531XX
Web
We continue to receive phone calls from Carrington Mortgage on a debt that we do not own. I have requested for this company to stop calling but they continue to call and leave messages to call back. When I call back the message says that they are closed but they just called. I have sent email message and left messages on their website to no relief from this harassment. I have never done business nor would I ever do business with a company as shady as this.
03/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • XXXXX
Web
My name is XXXX XXXX, I have a mortgage with Carrington Mortgage, Loan No XXXX. The Carrington Mortgage website has been down for at least 3 months, so I am unable to access my online account. In addition, I have tried calling twice, and each time they hang up on me as there is no customer service representative available. I need to contact the mortgage provider in order to obtain my tax form so I can file my taxes. I had similar problems last year.
12/11/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 37922
Web
Carrington Mortgage Servicers charges me {$5.00} to make a payment using their online system. When they put it on my account statement they classify it as a late fee for {$5.00}. They continue to do this every single month. For my latest mortgage payment that was due on XXXX, I paid the mortgage on XX/XX/26 and they called the {$5.00} a late payment on my statement. What it actually was, was a payment processing fee that they are charging too much for.
01/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33056
Web
I have a loan with CARRINGTON MORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and CARRINGTON MORTGAGE with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late 2019.
12/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01013
Web
XXXX XXXX XXXX is reporting delinquent status this mortage was modified and all payments were current for the 4 months XXXX XXXX XXXX owned this account it was then bought out current by carrington mortage XXXX XXXX XXXX continues report erroneous information and we have joined a class action one of many XXXX has going for this reason XXXX does nothing but scan this and report this as update we filed 609 1 a 1 form with them of which the disreagsurded
10/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 027XX
Web
CARRINGTON PULLED A CREDIT REPORT ON ME ON XX/XX/XXXX THEY HAVE NO PERMISSABLE PURPOSE TO PULL A REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTY IN XX/XX/XXXX.AFTER XXXX NO ENTITIY HAS A LEGAL RIGHT TO PULL A REPORT ON ME, I DO NOT HAVE AND ACCOUNT WITH THEM ALSO WHICH MAKES IT EVEN MORE ILLEGAL.STRIKE INQUIRT=Y FROM MY REPORT COPY BELOW FROM XXXX CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX
08/13/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 752XX
Web
Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.
05/22/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 34746
Web Older American, Servicemember
I faxed over the application for forbearance on Monday XX/XX/2023. My mortgage company said that they wanted me to write a letter explaining why I haven't worked in XXXX weeks. I lost my husband XXXX weeks ago. They are making the process very difficult for me. I am trying to get caught up. They told me on Friday XX/XX/XXXX that they would be able to refinance my loan for a higher interest rate. I sent in all the documents that their website requested.
03/30/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 20723
Web
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender closed the review 3 days after receiving the package due to a missing signature on the client profit and Loss statement.