CARRINGTON MORTGAGE SERVICES, LLC
Consumer Complaints
There are over 3157 complaints on file for CARRINGTON MORTGAGE SERVICES, LLC. Dated between 2019-11-27 and 2012-05-22.
Complaints Page 24
2018-08-30
Fred, VA
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Closed with explanation
2018-08-30
Chicago, IL
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: 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
Company Response: Closed with explanation
2018-08-30
Atl, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-28
Northside, NC
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I have fallen behind on my mortgage payments. Recently, I submitted a loss mitigation application for assistance. When I called in today to follow-up on it, the representative at Carrington Mortgage told me that they didn't have time to process my application.
Company Response: Closed with explanation
2018-08-28
Tupelo, MS
Incorrect information on your report
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-08-28
Hortonville, WI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-28
Atlanta, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-08-27
Berthoud, CO
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: 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.
Company Response: Closed with explanation
2018-08-27
Washington, DC
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: 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
Company Response: Closed with explanation
2018-08-24
Harvey, LA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-08-24
S Milwaukee, WI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-23
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-08-23
NJ
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: my wife had 3 XXXX XXXX in 2 years. i got laid off from XXXX XXXX XXXX. missed a lot of work then got laid off. got a letter last week from XXXX, XXXX XXXX XXXX stating i had 45 days to cure the default. started to get solicitations yesterday fro lawyers saying public record has foreclusure sale on XX/XX/2018. not 45 days. still working with carrington on modification.
Company Response: Closed with explanation
2018-08-22
Chickamauga, GA
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-08-21
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: 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 ... ..
Company Response: Closed with explanation
2018-08-21
Okc, OK
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: 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.
Company Response: Closed with explanation
2018-08-20
Colorado National Monument, CO
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-17
TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2018-08-17
Seattle, WA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2018-08-16
Erial, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-08-15
Williamston, MI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-14
Birmingham, AL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-14
W Islip, NY
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-13
Dallas, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-12
Oxford, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: 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 )
Company Response: Closed with explanation