CARRINGTON MORTGAGE SERVICES, LLC

2015-06-01

Grandville, MI

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

West Newfield, ME

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Atl, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Stilesville, IN

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: 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
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Glendale, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Pinellas Park, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-26

Tonto Basin, AZ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: 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
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

St Joe, AR

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-22

Aloma, FL

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-22

PA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: 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!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Columbus, GA

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Ponce Inlet, FL

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Carmel, IN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Beaumont, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-05-18

TN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Hampton, VA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-17

Charleston, SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-16

Cub Run, KY

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: 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
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Puyallup, WA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

ME

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Cecil, NJ

Credit decision / Underwriting

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Our mortgage was bought by Carrington Mortgage Services from Bank XXXX. They are telling us that there is a late fee from Bank XXXX. They can not tell me when or why I received this fee. I asked them to wave this fee because they can not tell me why or when I received it. They refused.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Patterson, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response