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 34
2018-03-06
Darnestown, MD
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-03-06
Lk Buena Vis, FL
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-03-06
Decatur, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-03-05
Nyc, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I need to know and for tax accounting I need to know the money that goes into my escrow and the amount that goes out of my escrow and where the goes to.
Please note I have 3 Properties.
I have 3 mortgage loans with Carrington Mortgage and have requested since XX/XX/XXXX ( today is XX/XX/XXXX ) a digest of XX/XX/XXXX payments into my account and out of my account. They referred me to research - I have faxed, written ( research does not take calls ). I call and get referred to research, who does not respond. So I mail and fax my request to research. At this time 5 faxes.
Today I got a call from Carrington and returned it as per the voicemail instructions. After 15 minutes of going through the process, I got a person. Explained, yet again, that I needed to know when payments were made out of my escrow account, to whom were the payments made. He said Carrington does not do this.
This is completely unacceptable that a company can take my escrow money and make payments out, and not disclose for what and/or to whom the payments were made. Plus, the time and energy I have spent trying to get this simple information is not acceptable. I need to balance my escrows for tax purposes and need this information.
Company Response: Closed with explanation
2018-03-04
Harbor City, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-03-04
Belvedere, GA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-03-03
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-03-03
Spring Hill, FL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My Problems with Carrington Mortgage started in XX/XX/XXXX when I refinanced my mortgage. The modification was suppose to bring my payments current. The statements reflect past due amounts that don't make any sense. Per the FHA Mortagagee Letter XX/XX/XXXX-XX/XX/XXXX ( XXXX ( XXXX ) The Mortgagee must ensure the FHA-Hamp Loan Modification fully reinstates the mortgage. The last statement before the modification XX/XX/XXXX reflects an amount owed of {$30000.00} the statement after the modification, XX/XX/XXXX which included a partial claim funds from FHA reflects an amount owed of {$32000.00}. The modification was re-booked and the XX/XX/XXXX reflects an amount owed of {$3700.00}. After the modification I did again miss a couple of payments and at the end of XX/XX/XXXX I was delinquent for the XX/XX/XXXX and XX/XX/XXXX payments and due for the XX/XX/XXXX payment when with the assistance of XXXX the FHA counselor/mediator I entered into a repayment plan. I made every single payment as required which Carrington set up in advance via auto-pay and on XX/XX/XXXX I was to resume my regular monthly payment of {$1700.00} and would be current with my mortgage. I made my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$1700.00} my XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of {$1700.00} and suddenly when I went to make my XX/XX/XXXX payment on XX/XX/XXXX the payment has now jumped to {$1700.00}. I have no idea why when I went online to make my payment why the amount has jumped {$30.00}. The only thing I can figure is it must be due to the forced place insurance they have placed on my account which is another issue I have with them. In XX/XX/XXXX before I modified they told me it was standard practice for a property inspector to be sent to my home and to not be concerned if I notice somebody looking around. Well for some unknown reason this inspector reported that my home was vacant and unsecured! My insurance company called me in XX/XX/XXXX to ask me about it and I assured them I live in my home. My home was decorated for the holidays -- XX/XX/XXXX -- XX/XX/XXXX and XX/XX/XXXX the lawn is mowed trash is picked up at the curb twice a week -- I have no idea where the vacant and unsecured thing came from. In XX/XX/XXXX my XXXX happened to be home an someone knocked at the door -- She answered and the man identified himself as the property inspector for my mortgage company -- he said the property was still being reported as vacant -- -My XXXX informed him that both her and I live there and that I was at work. Later while she was sunbathing in the backyard she looked up and saw 3-4 people walking around the back yard looking up at the roof and back of the house. She asked if she could help them and again although different people from the man that had visited earlier that morning also stated they were property inspectors and were there to place a lock box on the front door. My XXXX stated that she had talked to someone earlier and told him the property is occupied. One of the men said that was his brother and sorry he didn't get the message from him. A few hours later my XXXX leaves her towel and water in the backyard and goes in the house to reapply suntan lotion and get more water -- she did not close the patio door behind herself since she was only going in for a few mins. While in her bedroom applying suntan lotion she heard a noise she walked out into the living-room to find a man ( a third person different from the other two visits ) standing in the middle of the living-room she screamed at him to get out! And while on his way out he said he was sent by the mortgage company -- she just kept screaming at him and was very very upset and told him she didn't care who sent him. She then called me as work she was still crying and upset -- -I called Carrington and told them this stops today -- right now -- right this min -- -they are trespassing and if they think the property is vacant then go through the court system and get it assigned back to them but under NO circumstance do they have the authority to enter my home whenever they feel like it!! And I was not even in foreclose when this happened so they really had no right to enter my home! I thought this was the end of the vacancy issue until I received notice from my homeowners insurance company in XX/XX/XXXX that due to Carrington continuing to report my property as vacant I was at a higher risk and they were cancelling my policy for both the homeowners and flood policies. Other than the property inspectors which claim they were sent by Carrington -- -Carrington has never asked me for documentation that I was occupying my home -- -which I could have easily provided but I am sure the electric company would have also supplied to them -- which would have proved the electric is in my name and there is a bill generated every month that is high enough to prove I live here. Another issue with them is the fees they are adding to my account every month -- I understand the late fees -- -and do not take issue with them its all the other fees -- -- recording fees, attorney fees, more property inspections fees ( sometimes 2 or 3 in one month ) every month its a new fee of some sort. I also receive intent to foreclose notices -- which they send every month at least 2-3 times a month. In XX/XX/XXXX they posted one on my front door insisting I call them to discuss my financial issues ... .my account is current!
I have tried to work this out with Carrington but they will not listen to me, they only upset me when I call and demand more and more money. I also tried to hire an Attorney to sort this out with no one willing to take my case. I also contacted FHA and was assigned an XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. To date FHA has made no progress with this either ... .the payment history Carrington supplied to FHA is impossible to follow or so they tell me. Carrington also stopped providing monthly account statements from XX/XX/XXXX to XX/XX/XXXX. The most recent statement dated XX/XX/XXXX reflects I now have an amount due of {$6900.00}. I don't understand this since the repayment plan ended in XX/XX/XXXX I have made regular monthly payments and I am not delinquent. Below I am attaching the email I received from the XXXX mediator in XX/XX/XXXX outlining the repayment plan.
Ask Expert Queue <XXXX> Information from today ( # XXXX ) XX/XX/XXXX at XXXX XXXX I'm sorry we got disconnected. XXXX from the bank is going to try and call you back later in the day to get this plan finialized. They are very willing to work with you, but you need to try and get ahold of them before the day is out.
What we talked about with XXXX : You currently need {$3500.00} to bring the account current You will pay {$2000.00} on the XX/XX/XXXX The have authorized a payment and a 3rd for the next 3 months which will be about {$2300.00} for the next 3 months {$1700.00} per month new payment This is the information on the Disputes and Research department XXXX Please let us know if you need any further assistance.
XXXX XXXX Financial Wellness Expert XXXX XXXX XXXX Phone : XXXX Fax : XXXX XXXX XXXX
Company Response: Closed with explanation
2018-03-02
Gardnerville, NV
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I signed up for automatic payments at the inception of my loan. Records show I enrolled XX/XX/XXXX. In XXXX, an auto payment did not process, and I had a late payment that I manually processed. Each month, I go to the servicer 's website a couple days before the XXXX to see that it's set to take the automatic payment. This month, I went to the website on XX/XX/XXXX, and it said the next payment was scheduled for XXXX, and the previous payment was XXXX. There was no record of a payment that would process or that was in process for XXXX. On XXXX, I checked my bank account, and no payment was processing for my mortgage. The servicer 's site still did not show any payment scheduled or processing for XXXX. I made the payment manually on XXXX so my payment would be on time. Now on XX/XX/XXXX, an automatic payment is processing in my bank account, and the servicer 's site shows two payments received on XXXX. To compound the issue, both payments on XXXX are being applied to principle, interest and impounds ; however, the terms of the Deed of Trust require the additional payment be applied to principle due since interest and impounds were already paid with the first payment. When I contacted the servicer, they said they wouldn't allocate the payment differently. They invited me to send documentation to a fax number to request payment reimbursement, and indicated it will take XXXX weeks before I have my money back, after I send in the information. I tried to unenroll in the voluntary automatic payments, and there is no option to stop the automatic payments from the website.
Company Response: Closed with explanation
2018-03-01
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Company Response: Closed with explanation
2018-03-01
Smoke Rise, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-03-01
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-02-28
La Grange, KY
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: On this reported date, XX/XX/XXXX received, XX/XX/XXXX, CARRINGTON MORTGAGE SE, now XXXX XXXX XXXX, inaccurately reported to the Credit Bureau, my loan or account status as : Loan modified NOT under a federal government plan. According to the credit bureau report ( attached file ), YOU'VE CHANGED MY LOAN MODIFICATION WITHOUT my consent!!! This move is illegal and I've filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), Attorney General, XXXX XXXX of The State of California where CARRINGTON MORTGAGE SE and XXXX XXXX XXXX headquarter 's are located. I've also filed a compalint with Attorney General, XXXX XXXX of The State of Kentucky where I live.
Both CARRINGTON MORTGAGE SE and XXXX XXXX XXXX have FAILED to honor MY ORIGINAL loan modification agreement ( attached ) with XXXX, the orignal servicer. This credit report is proof that CARRINGTON MORTGAGE SE and XXXX XXXX XXXX have FAILED to honor mortgage servicing rules requiring the old servicer, CARRINGTON MORTGAGE SE to send the new servicer, XXXX XXXX XXXX any information showing the CURRENT STATUS of discussions with the borrower, ME regarding a loan modification, WHICH CARRINGTON MORTGAGE DID NOT DO -- I HAVE NOT SPOKEN TO CARRINGTON nor HAS CARRINGTON TRIED TO CALL ME!!!! and UNDER FEDERAL RULES, the new servicer, XXXX XXXX XXXX MUST also have policies and procedures in place ( WHICH OBVIOUSLY THEY DO NOT HAVE IN PLACE ) to ensure that it HONORS ( WHICH IT HASN'T ) EXISTING loan modification agreements ( attached ).
Further violations : On XX/XX/XXXX, according to the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS ( attached & highlighted ) from the old servicer, CARRINGTON MORTGAGE which stated " NOTHING ELSE ABOUT YOUR MORTGAGE LOAN WILL CHANGE '', well obviously this ISN '' T TRUE according to the attached credit bureau reports WHICH STATES : " Loan modified NOT under a federal government plan '' AND " Foreclosure process started ''!!!! This NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS CONTAINS NO LOAN NUM BER FOR the new servicer XXXX XXXX XXXX. Secondly, I've received no monthly statements showing what my balance is and what I should pay monthly on my mortgage even though this same NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS which contains NO LOAN NUM BER, states " XXXX XXXX XXXX WILL START ACCEPTING PAYMENTS RECEIVED FROM YOU on XX/XX/XXXX. '' Since both you, CARRINGTON MORTGAGE SE and XXXX XXXX XXXX signed an XXXX ; you are both required to follow the guidelines within the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2. THE ABOVE IS AN INACCURATE ENTRY ON MY CREDIT REPORT per the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2 ; Specifically SECTION 12.2 Credit Bureau Reporting : that states, '' Servicers should report a " full file '' status report to the credit reporting agencies for each loan under HAMP in accordance with the Fair Credit Reporting Act as well as other applicable laws and credit bureau requirements as provided by the Consumer Data Industry Association ( CDIA ). " Full-file '' reporting means that the servicer must describe the exact status of each mortgage it is servicing as of the last business day of each month. '' First of all, Since XXXX XXXX XXXX acquired this loan from CARRINGTON MORTGAGE SE on XX/XX/XXXX and I received the notification in the mail of the transfer, I have not heard from XXXX XXXX XXXX. They have not mailed me my monthly statements showing what my balance is and what I should pay monthly on my mortgage even though the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS which contains NO LOAN NUM BER, states XXXX XXXX XXXX would start to receive payments from me on XX/XX/XXXX. There has been no introduction of a relationship manager to this date. If they did call me, they didn't leave a message. Please mail me my MONTHLY statements, showing what my balance is and what I should pay monthly on my mortgage. If you had consistently mailed me monthly statements, then I would know what to pay and you wouldn't need to make the following inaccuracies : PLEASE CORRECT ON MY CREDIT REPORT ASAP. SINCE YOU HAVE NOT FOLLOWED THROUGH ON THE FOLLOWING, THEN YOU'RE IN VIOLATION OF SECTION 9. Permanent Modification, OF THE Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2 ; Specifically SECTION 9.4 Re-default and Loss of Good Standing, Paragraph 4. MAINLY this section : " In the event a borrower defaults on the modified loan, the servicer must work with the borrower to cure the modified loan ( YOU HAVE NOT DONE THIS ). If this is not possible the servicer must-evaluate the borrower for any other loss mitigation alternatives, e.g., HAFA ( YOU HAVE NOT DONE THIS ), prior to commencing foreclosure proceedings ( YOU HAVE DONE THIS ).
All of the above are VIOLATIONS of the MHA Handbook Version 5.2 SECTION 3 Protections Against Unnecessary Foreclosure ; SECTIONS 2.2 and 3.4 of Chapter II, respectively. Also, this is a VIOLATION of the MHA Handbook Version 5.2, Chapter IV. Home Affordable Foreclosure Alternatives Program ( HAFA ), Specifically SECTION 3 HAFA Consideration that state : '' Borrowers that meet the eligibility criteria for HAMP but who default on a permanent HAMP modification should first be considered for other loan modification or retention programs ( YOU HAVE NOT DONE THIS ) offered by the servicer prior to being evaluated for HAFA. Notwithstanding the foregoing, Consumer Financial Protection Bureau ( CFPB ) Regulations may require a servicer to consider a borrower for HAFA contemporaneously with considering the borrower for HAMP and other home retention options. '' How can this be when XXXX XXXX XXXX HAS NOT tried to work with me per the MHA Handbook Version 5.2 Guide?
Company Response: Closed with explanation
2018-02-28
Oxford, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX XXXX sold our mortgage to a collection agency. We have never missed a payment nor have we been late. We have automatic payment every XXXX of the month for the past 10 years. We did not receive any goodbye letter from XXXX XXXX XXXX or a welcome letter from the collection agency Carrington Mortgage Services , LLC . Within 10 days I have received 3 separate letters from Carrington LLC stated that I am 2 months behind. We went online and made 2 mortgage payments one for XXXX and one for XXXX. Then we called Carrington LLC the company could not tell us any information about our mortgage and why we were behind although we have receipts showing that we paid them. I went online and only read bad reviews about Carrington being a scam company reporting people to credit bureau and trying to foreclose on homes that were never late in payments. I need help. I am the little guy in this one and feel like I ma being duped.
Company Response: Closed with explanation
2018-02-27
KS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I had an original XXXX XXXX XXXX Home Mortgage Loan for my primary residence which has been subsequently sold off to several other mortgage servicers. During the 2008 Financial Crisis my mortgage became insolvent and I was eligible for relief under the HAMP and TARP programs. I applied for a loan modification and was wrongfully denied a modification and have since been in litigation with the mortgage servicers for several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit. However, my loan servicer still reports this as a derogatory mark against my credit. They have taken payments from me during a trial modification period. All the payments I made were made in good faith as well as being both timely and well documented. Once again they refused to reinstate my loan and demanded the entire mortgage ballooned to be due and payable in full. We have a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.
Company Response: Closed with explanation
2018-02-24
Yelm, WA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Complaint: Today, I am writing to complain about the allege accounting and servicing transferred to you from XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and my need for a thorough understanding along with clarification of various attempted sales, sale dates, transfers, funding sources, alleged legal but illegal beneficial ownerships, current charges, credits, debits, transactions, reversals, actions, payments and analyses of all records related to the servicing of this account from its origination to the present date. To date, the documents and information I have reviewed from XXXX County ( to include my personal documentation on hand ) and the previous conversations with several XXXX service representatives by the name of XXXX XXXX ( Employee # XXXX ) and personal at Carrington Mortgage LLC. and XXXX XXXX by the name of XXXX XXXX who would not provide his employee number and the many other account managers, in which, I continue to have unproductive, evasive conversations and furthermore, have not answered many of my challenging questions. Im currently in possession of two letter ( one from XXXX and the other from Carrington Mortgage and both letter cancel out one another stating that each other company is the servicer, which has left me very confused ). I was also contacted my XXXX XXXX who stated, he allegedly bought my property for {$250.00}, XXXX ( This is constructive fraud ) and he threatened me and then asked if I wanted to buy my property back. Allegedly, my property was attempted to be sold on XXXX XX/XX/XXXX with a notice that I now have in my possession and then I was told that it allegedly was sold on XXXX XX/XX/XXXX. We had people coming to our home in the middle of the night and throughout the day while my kids were at home and looking in windows and placing notes on our door asking to buy our home a notice of a trustee sale on the day of XXXX XX/XX/XXXX. As it now stands, Im asking that this alleged indebtedness be forgiven or discharge immediately through your booking keeping entries and accounting ledgers etc. In addition, that acknowledgement be presented to me in writing within 30 days of receipt of this compliant and also the removal of any future duress ascertained over the past. It is my current understanding that XXXX XXXX XXXX ( of which your company acquired another mortgage note? ) and now your company may have also been accused of engaging in one or more predatory servicing of lending and servicing schemes that XXXX previously engaged.
Company Response: Closed with explanation
2018-02-23
Cedarhurst, PA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-02-23
Matoaca, VA
Problem with a credit reporting company's investigation into an existing problem
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-02-22
WA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: Our mortgage was sold to Carrington Mortgage services. They call at least once a week, but I have received calls just minutes apart. They keep calling asking me to refinance at a lower rate. I tell them every single time that I am not interested, to stop calling. They say they will add it in the notes of my account, yet the calls continue.
Company Response: Closed with explanation
2018-02-22
Chicago, IL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: In 2016 my mortgage was sold to Carrington Mortgage Services. The online interface for Carrington frequently lags behind, is regularly incorrect, and they do not provide any notifications about activity on your account.
When I attempted to set up recurring payments online, the account told me that if I signed up it would cancel any outstanding payments. It turns out that they did not cancel my payments, and as a result I had multiple payments taken out of my account in the same month, putting me in great financial and emotional distress. To stop this from happening I put a stop payment order on the account from my home bank account. When I attempted to pay the mortgage the next month, I mistakenly left the stop payment on my checking account, causing the payments to not make it to Carrington.
Carrington has responded by banning me from making online payments for a period of time, but didn't tell me until the payment by mail was guaranteed to arrive after the 30 day period I have to make my payment. This has resulted in my credit score going down, I have to pay an extra cost each month so that I can physically mail a check, and this makes it much more difficult for me to pay my mortgages on time as I have to verify online and over the phone every month that they have received the check.
I feel that by selling my mortgage to a company that actively makes it more difficult to pay my mortgage, I have been put at a significant disadvantage than I was at during the original agreement.
Company Response: Closed with explanation
2018-02-22
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-02-22
Mineola, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-02-22
Orinda, CA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-02-21
Palos Park, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX XXXX XXXX bought my loan from XXXX XXXX XXXX. Before XXXX XXXX XXXX took over my loan I never had a problem. 24 years on time posted payments.. Now they are claiming that I missed payments. I explained my bank shows all were made on time through an Ach and cleared. Still after submitting more documents from my bank they claim they do not have payment for XX/XX/2018. This is ridiculous dealing with this company.. They dont know how to post payments and want the consumer to figure it out for them.. They even hit my credit score.. I have not missed a payment and all submitted bank records show it so.. What do I do?. This company should be severely fined by the banking regulators.
Company Response: Closed with explanation
2018-02-21
Beech Island, SC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation