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 41
2017-11-24
Richmond, VA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-24
Chestnut, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-23
Effingham, KS
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Carrington Mortgage assumed my loan from XXXX in XX/XX/XXXX this is the third company this year to have my mortgage. I was in the middle of a modification with XXXX XXXX XXXX when the mortgage was sold to XXXX. Then again began a modification with XXXX and the mortgage was sold to Carrington. I received a request to pay stubs for the previous thirty days from Carrington due by XX/XX/XXXX I had just started a permanent job also sending Carrington the offer letter received from my current employer. I began the job XX/XX/XXXX. I did send my previous pay stubs from a XXXX position which ended XX/XX/XXXX. I have received two checks from my current employer emailed everything to Carrington. I had only received on check by the time frame given and emailed directly. They have now cancelled the request because they did not receive the information when requested! How ridiculous. I was injured at work in XX/XX/XXXX had XXXX XXXX XX/XX/XXXX and was unable to work for several months and had not received work comp benefits for several months. There is a letter from my attorney stating this!
Company Response: Closed with explanation
2017-11-22
Green Cove Springs, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have drafted a letter that will be sent to all the Credit Bureaus. The information contained in the letter is inserted here, as well as being uploaded as a PDF File. My attorney will be sending the letter promptly ... as this complaint is also being filed. Carrington was asked repeatedly to cease and desist the fraudulent credit reporting and they refused to do so.
Here is the write up : Error/Incorrect Credit Reporting to ALL Bureaus Company : Carrington Mortgage Services , LLC, hereafter referred to as Carrington.
Date Beginning : XX/XX/XXXX.
ALL Mortgage Payments sent to Carrington on time through the XXXX XXXX XXXX XXXX Bill Pay Service.
ALL Mortgage Payments received by Carrington on time.
Carrington returned payments in error.
Initial Contact with Carrington Carrington Contact : XXXX XXXX.
Date of initial contact discussing Loan Servicing errors by Carrington : Wednesday, XX/XX/XXXX XXXX XXXX.
Date of notification to Carrington of possible credit reporting errors : Monday, XX/XX/XXXX XXXX XXXX.
Attorney for XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX retained the legal services of XXXX XXXX XXXX for all matters and correspondence with Carrington.
Email thread below ( x2 ) is the actual email correspondence between XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The email correspondence began as a result of a phone call initiated by XXXX XXXX to Carrington in XX/XX/XXXX with concern after receiving an Intent to Foreclose notice generated automatically by Carrington when a payment had not posted properly.
From : XXXX XXXX To : " XXXX XXXX '' Cc : " XXXX XXXX '' Subject : RE : Your Carrington Account Loan Number XXXX Date : Monday, XX/XX/XXXX XXXX XXXX XXXX, Thank you for working directly with my lawyer XXXX XXXX XXXX to correct the issue related to our mortgage.
As you can imagine, recovering our credit is extremely important. As we discussed on the phone last month, it is my feeling that Carrington may be reporting negative payment information regarding our mortgage.
I have noticed a decline in our score that is being reported to us through XXXX. I have already used the free credit report option this year and have ordered ( paid for ) several reports and do not want to pay again to check on what Carrington is reporting. You had mentioned to me that it is very easy to check on this and to correct IMMEDIATELY if Carrington is reporting negatively.
I respectfully request you follow through with undoing and preventing and negative reporting.
As Carrington has found researching this issue, Carrington has made errors in processing our mortgage and is working to rectify with our attorney.
We look forward to the resolution and again stress the dire need to rectify any negative credit reporting that has occurred, and enforce a stop order on any future negative reporting during this resolution process.
Respectfully, XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Your Carrington Account Hello, Here is the email as promised with my contact info. You can call the toll free number XXXX and I am at extension XXXX. You are welcome to use my direct line XXXX if you ever have a hard time getting through. That rings right at my desk. We do work on the phones so you will probably get my voicemail but if you leave a message I will call right back. I am also responsive by email.
XXXX XXXX | SSD Specialist Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX | XXXX XXXX, CA XXXX Office : ( XXXX ) XXXX x XXXX | Fax ( XXXX ) XXXX | www.carringtonms.com Carrington Reported to the CFPB Carringtons failure to adjust the mortgage loan interest rate under the loan agreement at the time the adjustment was due, and delaying 6 months to make the adjustment, forced the loan into a non-compliant situation for Carrington and XXXX XXXX XXXX XXXX.
As discussed with XXXX XXXX by phone, the adjusted payment amount was deemed to be incorrect and unsustainable to be a legal and binding payment to be applied to the mortgage loan, and Carrington could not legally require such payment. XXXX XXXX consulted with Carrington leadership to determine that a loan modification would be required ( XX/XX/XXXX ).
XXXX XXXX was instructed to continue to pay the last known legally acceptable payment under the existing mortgage loan agreement during the loan modification process ( XX/XX/XXXX ).
Without explanation and months of documents being supplied to Carrington, Carrington cancelled the loan modification (XX/XX/XXXX ).
Under legal advice of attorney XXXX XXXX, a formal complaint was filed with the CFPB in XX/XX/XXXX under Case number : XXXX.
Carrington Agrees to Process Loan Modification Carrington processed the loan modification to completion on XX/XX/XXXX, over 1 year after the process began due to a Carrington mortgage loan processing error.
Proof of on time and as agreed Payments to Carrington Information provided is actual data from XXXX XXXX XXXX XXXX : Date Range From XX/XX/XXXX Numeric date starting with the month To XXXX/XXXX/XXXX Filter By Showing Carrington Mortgage Services payments. Clear Filter Withdraw On Description Category Amount Deliver By Status XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$5000.00} EveryDay Checking XXXX XX/XX/XXXX Delivered XXXX # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$5000.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$5000.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$5000.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX XX/XX/XXXX Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XXXX Delivered Cfm # XXXX Info Not Available Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm XXXX XXXX Info Not Available Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX Info Not Available Carrington Mortgage Services XXXX Mortgage {$2300.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm XXXX XXXX Info Not Available Carrington Mortgage Services XXXX Mortgage {$2600.00} EveryDay Checking XXXX XX/XX/XXXX Delivered Cfm # XXXX Withdraw On Description Category Amount Deliver By Status Info Not Available Carrington Mortgage Mortgage {$2600.00} XX/XX/XXXX Delivered Services EveryDay Checking XXXX # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Info Not Available Carrington Mortgage Mortgage {$2300.00} XX/XX/XXXX Delivered Services EveryDay Checking Cfm # XXXX XXXX XXXX Incoming Total {$0.00} Pending, Processing, Delivered, and Completed payments only, including any Outgoing Total {$48000.00} fees.
Remediation to Satisfy CFPB Complaint to Include Fixing Credit Reporting Errors In the complaint filed with the CFPB under : Case number : XXXX, satisfaction of the complaint requested Carrington to complete a loan modification and to correct reporting errors to the Credit Reporting Bureaus. The loan modification has been completed, but the reporting errors by Carrington have not been corrected with any of the credit reporting bureaus.
Respectfully request immediate correction to any and all late payments or delinquencies reported by Carrington Mortgage Services , LLC . The Carrington Correction should reflect ALL payments made on time and as agreed.
Sincerely, XXXX XXXX
Company Response: Closed with explanation
2017-11-22
Newman, CA
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Closed with explanation
2017-11-22
Edgecliff Village, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-22
NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the basis that the your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender has was sent the third party authorization three times. as well as the Qualified written request.
The lender has failed to respond to our QWR sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX- the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Company Response: Closed with explanation
2017-11-22
Denver, NC
Incorrect information on your report
Mortgage: FHA mortgage
Complaint: While XXXX XXXX from Carrington Mortgage Services states in her response to complaint number XXXX that Carrington Mortgage Services submitted ( an AUD ) form to the four major credit bureaus to REMOVE any negative credit remarks, that is in fact untrue. The form ( attached ) clearly shows that an " update '' was submitted, not a " deletion '' thus not removing anything from our credit report. XXXX XXXX, a manager in the Loan Servicing Department who was working with me, repeatedly ( on XX/XX/XXXX and XX/XX/XXXX ) said he would have the AUD form resubmitted to show " deleted '' instead of " updated '', and as of today ( XX/XX/XXXX ) I have no confirmation that he has done so. He promises to update me by " end of day '' and never does. Additionally, according to XXXX on XX/XX/XXXX, CMS reported our account delinquent AGAIN ( both on XX/XX/XXXX and XX/XX/XXXX ). According to XXXX XXXX ( ID # XXXX ) on XX/XX/XXXX, they did not report us again, but our XXXX score went down 62 points in one day as a result of their second negative report.
Company Response: Closed with explanation
2017-11-21
Ruidoso, NM
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: On XX/XX/XXXX I disputed the debt that Carrington Mortgage Services , LLC was alleging due to the fact that I had cancelled the loan transaction on signed " notice of right to cancel '' dated XX/XX/XXXX which was also filed in XXXX County, NM via the Truth In Lending Act. In this same letter to Carrington Mortgage Services , LLC I not only informed them of the cancelled loan I requested that they close the acct and not to contact me any further whether through calls, letters or sending people to my property. They instead responded on XX/XX/XXXX with a letter addressed to me with slander and lies which I do indeed deny and threats against me including fraud and prosecution. Meanwhile telling me to pay the debt as a solution. They are continuing to harass me by mail. I will include their letter dated XX/XX/XXXX as requested.
Company Response: Closed with explanation
2017-11-21
CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/XXXX after federal Government agencies investigated XXXX XXXX XXXX use of the XX/XX/XXXX-XX/XX/XXXX TARP Money, XXXX XXXX XXXX, finally modified my home loan. I believed the loan to have certain guide lines that may have been violated during the transfer. Including and not limited to deferred balance forgiveness of the amount of XXXX and a fixed interest rate after seven years. XXXX XXXX XXXX sold my modified loan to Carrington on XX/XX/XXXX which is the 7 year mark. Carrington sent me a mortgage statements due on XX/XX/XXXX for XXXX with a fix interest of XXXX. 20 day later they send another statement for the XX/XX/XXXX for XXXX with a variable rate of XXXX. I am confusing and now I have two mortgage payments to make when I was previously stated one. See attached original statement. This is going to cause a hardship. Such practices needs to be audited to ensure consumer protection.
Also Carrington failed to send a letter 15 days prior to the transferance of the loan.
I want the public and banks to be aware that XXXX XXXX XXXX may be dumping modified loans in an attempt to not fulfill promise to the public. As i am suspicious that my loan was sold the very day that my loan was supposed to be a fix rate and that the deferred debt forgiveness did not take place.
Company Response: Closed with explanation
2017-11-21
Mem, TN
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-21
Blackhawk, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-19
New Orleans, LA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My husband purchased a 3 bedroom townhouse in XXXX XXXX on XX/XX/XXXX. The loan was with XXXX XXXX XXXX. My husband XXXX on XX/XX/XXXX and willed the house to me. I always paid the mortgage payment online. On XX/XX/XXXX XXXX XXXX XXXX started communicating with that I was in areas. They alleged that my last payment was XX/XX/XXXX. They accelerated the loan one month later on XX/XX/XXXX. I continued to make my payments online and they accepted the payments XX/XX/XXXX; when they sent my account to Carrington Mortgage Services. When Carrington received my account they would not accept any payments ; however not before XXXX XXXX XXXX filed foreclosure on XX/XX/XXXX while my account was current. XXXX XXXX XXXX would n't accept my bank records or my continued calls asking them to research the situation. They just would n't entertain my attempts to show and prove that my payments were current. Recently I spoke to a person at Carrington research department and she wanted to know why I had n't made payments to them. I told her that every time I sent a payment would n't accept it until I pay the past amount due which is in the thousands now. For at least a year now I have sent Carrington all the documents they have ask for. My husbands XXXX certificate, succession papers, complete bank statements, also my bank has sent official document showing electronic payments to and accepted by XXXX XXXX XXXX, a long with amounts paid- last four of the accounts and electronic tracking numbers. After all the documents that I have sent now they are asking for copies of front and back cancelled check ; which of course I do n't have because the payments were paid electronically. I am XXXX years old and XXXX, I rely on my daughter to help me with actives of daily living. I do n't want to lose my home. I do n't know what lese to do PLEASE HEPL! I 'm on a fixed income and can not afford an attorney.
Company Response: Closed with explanation
2017-11-17
Altamonte Spg, FL
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-11-16
N Haven, CT
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My Mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services in XX/XX/XXXX. At the time my mortgage was past-due after a failed attempt for mortgage modification. I contacted Carrington who then told me to pay varying amounts never equaling the amount actually do on my account. In XX/XX/XXXX I was told that my home would be foreclosed on regardless of the amount I paid, if I did not include the fees which were unsubstantiated. I paid the amount past due and brought my account current in XX/XX/XXXX. Since that time I have requested several times for a break down of the " Overdue '' charges on my bill. My payments in XXXX, XXXX and XXXX have been on time ; however the Overdue amount continues to increase without explanation. I paid a convenience fee of {$5.00} on XX/XX/XXXX while making a payment online ; this additional amount was deducted from my bank account along with my mortgage payment. On the subsequent bill the charge was added back into the " overdue payment '' on my account. Again I questioned the charge I was told per a manager that it must be a fee from XXXX XXXX XXXX which came over late, despite a listing of convenience fee on the bill. I was also charged a {$20.00} property inspection fee in late XXXX. The explanation given was my account is overdue and it is necessary to verify I still occupy the property. Again the account has been current as of XX/XX/XXXX, outside of the disputed fees which appear on my account as overdue payments. My next call is to an attorney how is this company allowed to stay in business. Small fees add up when they are spread amongst numerous customers.
Company Response: Closed with explanation
2017-11-16
Ch Hgts, SC
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-11-16
Holmdel, NJ
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-11-16
San Francisco, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-15
Stevenson, MD
Trouble during payment process
Mortgage: VA mortgage
Complaint: I had a home disaster and it was settled with XXXX, which tok a year. I had not been home in over a year and it is expensive for that mortgage and two households. I am not behind in any payments.
I endorsed the check, along with my public adjustor and sent t to Carrington Mortgage Company LLC. I called them, since I need this settlement to pay for repairs, vendors and be reimbursed by the vendors. I sent in every document they request in the initial packet and thought it would be a simple process.
Every time I call there, I get a different person on the phone. The claim is not handled by one person. When I ask for a supervisor, generally, they are not available. I am told that something will be done and they lie to me, it is not done. I am not called back to explain why. I need an inspection of my home done, first phase, so it can be completed and fixed. when I get off the phone thinking this is corrected, I call a week later and nothing was arranged and they need, yet another document and don`t explain in detail, why. Carrington is sitting on the money to fix my home, so I can go home. They never call me for any further documents and never inform of anything The supervisors say they will call me back and NEVER do it. They have questioned me and my contractor about me, which is unacceptable. It has been two months and the contractor and vendors need the money to fix the home. The inspection has been delayed by this company for over a month. I asked explicity what they need and they never give me a complete answer. According to the packet I sent them, from day one, they have everything they need. My public adjustor called them to offer and documents and they stated to him they have everything they need. My contractor calls for an inspection, and they never get back to him with a time/date as promised. They are sitting on this money and I can not afford to live somewhere else any further. I am lied to and diverted to the next person and next. I need my home fixed, the rest of the money released and to get this done. Carrington is delaying the process, since XXXX XXXX it has been a real challenge.
Company Response: Closed with explanation
2017-11-15
NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: My attorney was assisting me in settling this matter with Carrington Mortgage Services LLC. On Tuesday XX/XX/XXXX, Carrington 's attorneys XXXX, XXXX XXXX XXXX confirmed to my attorney that Carrington Mortgage received a complete loss mitigation application and no sale date was set.
On XX/XX/XXXX I received a letter from Carrington Mortgage Services LLC dated XX/XX/XXXX, stating that my application for mortgage assistance will not be considered because there is sale date within the 37 days of receiving the my initial application of a now scheduled sale date for XX/XX/XXXX.
I have a confirmation from my attorney that Carrington Mortgage Services LLC received my mortgage assistance application on XX/XX/XXXX, FIFTY DAYS BEFORE any sale date existed.
This is a clear violation of the dual tracking laws. I have been pre approved to for a loan to settle this matter and this bank is acting in bad faith and trying to foreclose on me. I ask that the CFPB look into this immediately, postpone the sale date until this matter can be resolved.
Company Response: Closed with explanation
2017-11-15
Warrenton, VA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I refinanced my house in XX/XX/XXXX, my first payment was due on XX/XX/XXXX. By that time my hours were reduces and I was making partial payments which turned out that Carrington Mortgage does not allow them, I tried to do the partial payments till XXXX before I was told not to do that. So I got all up to date by XX/XX/XXXX and so I thought, 2 months later I started getting this calls that my account was past due and I called them to go over that but the answers were that they 'll research and let me know. I was n't till I was trying to refinance this past XXXX to find out that they have been reporting late on my credit every single month since we got the loan! Since XXXX I have sent them letters to them and the bureaus but no concrete answer and I get the run around, one manager after another one. I was able to get one of the managers to give an email and direct phone number and try to solve the issue but she did n't either. I have run out of options and patience as this is very stressful and has affected my household in various ways, the only few credit cards I had have close on me because of the bad reporting Carrington Mortgage has issued on my credit.
Company Response: Closed with explanation
2017-11-13
NC
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Carrington Mortgage Services refuses to return our escrow funds to us after closing on our home where they serviced the mortgage on XXXX XXXX, 2017. We already paid the county our portion of the annual taxes at closing, and Carrington Mortgage Services says they are " choosing not to return '' our escrow funds to us.
Company Response: Closed with explanation
2017-11-11
Stafford, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-10
Oxford, GA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I currently have a Mortgage with Carrington Mortgage ( CM ). The Loan has an Escrow account for the Taxes & Insurance. The County I reside in no longer requires I pay the School Tax after I turn XXXX. I will be XXXX this XX/XX/XXXX. Therefore, the XXXXchool Tax will no longer be required to be paid in XXXX. I have forwarded a letter to CM from the County Tax Commissioner stating that I will be exempt from the School Tax in XXXX. CM is aware of this, yet refuses to lower my monthly Escrow collection accordingly. Why is CM allowed to collect the additional funds from me when they have been notified that the funds are no longer required to be collected? I, as a Senior Citizen, can use the approx. {$96.00} per month better than CM can. Please help me with this issue. CM is a Large Corporation and I am just one Man. I do n't know who else to turn to for help except you. Please help me.
Company Response: Closed with explanation
2017-11-10
NY
Improper use of your report
Mortgage: FHA mortgage
Company Response: Closed with explanation