CARRINGTON MORTGAGE SERVICES, LLC

2018-09-20

Reeds, MO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My sister deeded me her house in XX/XX/2018 she passed in XX/XX/2018 it is recorded in our county recorders office as well. Her mortgage was notified of this as she has a outstanding loan. Which I have been making the payments. I put the home up for sale and the sale is pending for payoff balance. We can't close now due to the mortgage companies refusal to release the payoff balance to myself or my realtor.
Company Response: Closed with explanation

Timely Response

2018-09-19

Garner, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-09-19

New Brit, CT

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-09-18

Greenwood, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-09-18

Anaheim, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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
Company Response: Closed with explanation

Timely Response

2018-09-18

AL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: After bankruptcy my lender sold my mortgage to a servicer. I want to verify information regarding my loan and the servicing of my loan to make sure that it was done lawfully.
Company Response: Closed with explanation

Timely Response

2018-09-17

Palos Park, IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: 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
Company Response: Closed with explanation

Timely Response

2018-09-14

Norwalk, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-09-13

Dulac, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-09-11

Grosse Ile, MI

Trouble during payment process

Mortgage: FHA mortgage

Complaint: 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!
Company Response: Closed with explanation

Timely Response

2018-09-10

PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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?
Company Response: Closed with explanation

Timely Response

2018-09-07

Boston, MA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-09-07

East Rockaway, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-09-06

Communication tactics

Debt collection: Mortgage debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2018-09-06

Bellaire, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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
Company Response: Closed with explanation

Timely Response

2018-09-06

Falcon, CO

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-09-06

Newport, TN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-09-05

Sacramento, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: 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}.
Company Response: Closed with explanation

Timely Response

2018-09-04

Jacksonville, FL

Struggling to pay mortgage

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2018-09-04

Robertsdale, AL

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2018-09-03

Houston, TX

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: I have been trying to work this out. I was in the middle of responding to the company and at the same time they put my home up for foreclosure. The attached letter dated XX/XX/XXXX, did not mention the foreclosure date of XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-08-31

La Cienga, NM

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-08-31

Cornell, IA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2018-08-31

Houston, TX

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: I have been trying to save my home for years. It is up for foreclosure and I have not received a notification. I found out from a text from a foreclosure agency.
Company Response: Closed with explanation

Timely Response

2018-08-31

Beldenville, WI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response