CARRINGTON MORTGAGE SERVICES, LLC

2017-10-13

Calumet Park, IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-13

Converse, TX

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-13

Sebring, FL

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-13

Fairport, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-13

Calumet Park, IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-12

KS

Trouble during payment process

Mortgage: FHA mortgage

Complaint: In XXXX XXXX, my mortgage was sold to Carrington Mortgage Services , LLC from XXXXXXXX XXXX. At about the same time, I filed for Chapter XXXX bankruptcy, and managed to get the one payment caught up that I missed, and have bank statements reflecting as such. I continue to make my payments on time and think everything is ok, and then approximately two years later, Carrington files a proof of claim with the bankruptcy court stating I missed a payment ( which I have n't ), and also asked for approximately XXXX XXXX in " projected escrow shortage ''. Unfortunately, I did n't have the money or resources to pursue this matter in court further, so I ended up having to have my house payment rolled into the payment I was already making to the court to " clear up '' this matter. Fast forward to XXXX XXXX, where I lose my job, and manage to continue making payments, and in XXXX I converted the bankruptcy case to a chapter 7 simply because I did n't have a job, and I ca n't afford for them to dismiss the case and have all the other stuff come crashing back down on me. I 'm making payments this WHOLE time, without fail. In the same month ( XXXXl ), Carrington files a relief from stay because they say I 'm behind on my mortgage ( which I 'm not and I can prove it ). Well, the Chapter XXXX Case was XXXX in XXXX XXXX, and their relief from stay was denied because of this. I also have an email in my possession from their attorney stating that my mortgage is current through XXXX XXXX ( it 's current through XXXX XXXX as well ), and I am STILL showing a balance of {$2300.00}, and I have no idea what it 's for. Not only that, but I get an escrow review and my payment has gone up {$61.00} to {$820.00} for a perceived escrow shortage. I contacted XXXX and their rep advised me to call in and find out what 's going on. They told me it was advance payment fees of some sort. I 'm 99.9 % sure it relates to the bankruptcy case, which is now closed, and they ca n't collect on that. So, I thought I 'd start here first. I also have a QWR letter waiting in case I need to send that too.
Company Response: Closed with explanation

Timely Response

2017-10-12

Denton, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-12

Wash, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-12

WY

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: We received an FHA loan from XXXX in XX/XX/XXXX, which has fallen into foreclosure. The loan was transferred to XXXX XXXX XXXX ; we applied for loan modification at least five times with XXXX. Each time, the bank indicated we requested the modification to be stopped, we did n't supply sufficient data, we were n't available, we did n't engage in the process ; none of which was true. InXX/XX/XXXX, XXXX XXXX XXXX set sale date for our property - which was cancelled the morning of. XXXX XXXX XXXX representative stated she wanted to help us salvage our home, and assisted us in filling out the final HAMP packet - then the loan was transferred to Carrington Mortgage Company. We discovered the value on of our loan was based on a fraudulent property appraisal initially issued through XXXX. This issue was perpetuated by XXXX XXXX XXXX, and came to rest with Carrington Mortgage Company. IN XX/XX/XXXX we hired an attorney. The attorney met with representative from Carrington for several months, until suddenly, they were no longer representing CMS - this was XXXX XXXX. A new law firm was, XXXX XXXX XXXX, whom we met with in ongoing measure over the course of nearly a year, then suddenly, this law firm was no longer representing CMS. Currently, XXXX XXXX XXXX is representing their interests - we have emailed XXXX XXXX repeatedly with no response and sent notification of debt dispute within thirty days of service, XX/XX/XXXX. The sale is still set to take place on XX/XX/XXXXat XXXX XXXX, despite no communication from the attorney or CMS. It is worth mentioning, CMS has never contacted us directly, aside from leaving blank door tags on our door, and once, inside of our residence. We have offered to do a deed in lieu of foreclosure, a short sale, a loan modification, even a buyout - CMS refuses to work toward any common ground. We feel strongly they wish to rid themselves on the ongoing bad debt, collect their FHA insurance, and attempt to resell the property - however, due to the false appraisal, the residence encroaches upon neighboring property and will result in additional litigation. Further, the home has no rear yard, no access to the rear yard, and as a recent survey disclosed, side yard property lines that violate local building code. While we are willing to work with the CMS, we ca n't dismiss that property was fraudulently appraised. XXXX XXXX XXXX repeatedly used deceptive practices to avoid issuing a loan modification when the balance was reasonable. CMS continuously switches representation, likely in an effort to force their will to sell. However, in doing so, I am being deprived of my rights, as I do not believe I owe this debt as it never should have accrued to this point, and has only done so at the evil hands of XXXX XXXX XXXX Lastly, as I have been in " pre foreclosure '' for a number of years, they have robbed me of my ability to refinance the land or any portion thereof. Naturally, their error/deliberate and misleading appraisal did n't help ; the loan is completely upside down. This system was designed to fail the folks at the bottom.
Company Response: Closed with explanation

Timely Response

2017-10-12

Mabank, TX

Trouble during payment process

Mortgage: FHA mortgage

Complaint: We had a family vacation planned for the month of XXXX and XXXX was not working at the time so I filed for financial assistance for the month of XXXX. I filled out the forms and emailed it to Carrington on XX/XX/XXXX and again on XX/XX/XXXX asking for an update. Never heard back so I called them hoping to get an update on XX/XX/XXXX. I got passed around and never got any answers other than being told it was pending. I called back again on the XXXX but the hold time was too long and I was at work so I ended up hanging up. ( The XXXX and XXXX I called from my work phone line so I will not be able to get phone records ). I called back on XX/XX/XXXX and was told I was denied financial assistance on XX/XX/XXXX because they did n't have all the info they needed. I made the payment the same day. The call on the XXXX was from my cell phone so I can get phone records if needed.
Company Response: Closed with explanation

Timely Response

2017-10-12

Green Oaks, IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-12

Arrowsic, ME

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-11

Galena, OH

Closing on a mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-11

Washington, DC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-11

Boulder, CO

Trouble during payment process

Mortgage: FHA mortgage

Complaint: We have been requesting to remove the Mortgage Insurance Premium on this account which was sold by Bank XXXX XXXX XXXX XXXX Mortgage in XXXX. On XXXX XXXX, XXXX, we were denied this request, as XXXX Mortgage said our mortgage balance needed to be {$330000.00}. On XXXX XXXX, XXXX, we made a {$9500.00} payment to the principle amount to meet this requirement and XXXX erroneously applied the amount to monthly payments and escrow accounts. On XXXX XXXX, we requested this to be corrected. Called again on XXXX XXXX, they said it would be corrected by XXXX XXXX. Called on XXXX XXXX, they said our request for correction applying {$9500.00} to principle was denied and they would send it again for it to be corrected in XXXX - XXXX hours. It was finally corrected XXXX month after they mis-applied the funds. We requested once again for the mortgage insurance premium to be removed ... .and on XXXX XXXX, XXXX, we got a letter saying that the MIP was cancelled on XXXX. The final premium was disbursed on XXXX XXXX, XXXX. The monthly mortgage payment will be adjusted. A revised billing statement will be sent. XXXX XXXX - I called XXXX to get the revised payment amount and they did not show any change. They said I had to fill out a request to get this updated with the escrow analysis. It would take 14 days to hear back from them. XXXX XXXX - I called carrington again, and they have no record of my request last week to perform the escrow analysis. Now I am being told that it takes 60 days to perform an escrow analysis. I am required to keep paying the MIP until then. They claim anything being overpaid will be refunded, but I am not confident in their integrity as they have changed their story on me every single time I 've called and interacted with them. This company feels fraudulent and I feel like I have no recourse. Please help! thank you
Company Response: Closed with explanation

Timely Response

2017-10-10

Castle, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-10

Blackbird, DE

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: My mortgage account was opened in XXXX and maintained since then. However, Carrington Mortgage is incorrectly reporting that my mortgage was included in my 2012 bankruptcy -- it was not. In fact, Carrington Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. This incorrect, derogative information must be deleted from my XXXX Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. Thank you!!
Company Response: Closed with explanation

Timely Response

2017-10-09

Richardson, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-09

Stafford, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-07

Baltimore, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-05

Phoenix, AZ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-05

Phoenix, AZ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-05

Chesapeake, VA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-04

Beaumont, TX

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened to sue you for very old debt
Complaint: Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on X/XX/17. Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. C.M.S. is fully aware of this as indicated by them verbally and in writing. This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from X/XX/17 onward and possibly extended. However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency CMS has since contracted with as seen by the attached letter herein. I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. Very truly yours, XXXX XXXX Re:XXXX
Company Response: Closed with explanation

Timely Response

2017-10-03

Aurora, UT

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX, I started a home loan modification with XXXX XXXX XXXX. I submitted ALL the paperwork numerous times, via fax, email portal, and express mail. For four months they dragged it on saying they did n't receive this or that and each time I resubmitted paperwork. And each time they needed something else submitted. After 4 months of this and consistent weekly and sometime daily calls to them, I decided to try a different route but it was with a company who charged for it. At that point, I realized my mistake of paying someone to help and confronted the owner of the company and was given a partial refund. By then, XXXX XXXX XXXX had turned my loan over to Carrington Mortgage Services. This time I approached XXXX XXXX XXXX ( HUD ) for assistance. I thought if I went through an organization that deals with this all the time, then it would be documented etc. In XX/XX/XXXX I started a Home loan Modification with Carrington Mortgage Services. I had n't heard anything about any other information needed other than I needed a Durable Power of Attorney, due to the fact that My husband is in XXXX, and I need to deal with all of this alone. My name is on the deed, but not the loan, which I got and sent a copy to them, the day after the request. After a substantial amount of time, in XX/XX/XXXX, I received a letter stating that the case had been dropped due to the requested documents not being received. At this point, I called and was told they had no information on file. No sign of a loan modification that had been started. This was after the agent I was working with told me she had received emails stating it had been received. As of now, I have a foreclosure Auction date set for XX/XX/XXXX. We have resubmitted the entire package again, sent certified mail today, XX/XX/XXXX to Intake Department Carrington Mortgage Services XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX, Ca XXXX with a contact number of XXXX XXXX XXXX. After speaking with Carrington Mortgage Services customer reps via phone EVERY DAY since being told I would have to resend, yet again, a durable power of attorney with a password, before they would even talk to me about the case. I Faxed it over that day. Thursday XX/XX/XXXX. I called again after I was told that they would put it on my file THAT DAY, so I could speak to someone. It is now XX/XX/XXXX and still they have not input the data. This has caused such undue XXXX and XXXX to me that I have now had to go on medication. I need action! I need to not lose my home! I need a home loan modification so I CAN afford to live. I need help with this. I would like this reported to both XXXX XXXX XXXX and Carrington Mortgage services.
Company Response: Closed with explanation

Timely Response