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 45
2017-10-02
Pikeville, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: every time that my insurance has policy is up for renewal I get letters in the mail saying that I have had an insurance cancellation so they send me letters saying they are going to provide me with forced insurance and that is when all the fun starts I have my insurance agent fax them numerous declaration pages they force insurance raise my payments due to the increase escrow needless to say I spend hours day after day only to talk to a different person each time who assures me that the problem is solved this started mid XXXX and it is now XXXX tired of all the calls and time only to get charged for both insurances and a high payment
Company Response: Closed with explanation
2017-10-02
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-10-01
D Hanis, TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I applied for a loan modification with XXXX XXXX XXXX during the summer. Well eventually I find out that my bank intended to sell my mortgage. The account number for XXXX XXXX XXXX is XXXX. I tried to find the proof of this since I had put the paperwork online in the upload section. Found out that I can not access this. Awful convenient for them. My account was transferred to Carrington Mortgage Services LLC. The account number for this account is XXXX. I on numerous occasions let them know I was behind and wanted to apply for a loan modification. Well finally I was sent an application. I filled it out at the beginning of this month and uploaded all the documentation they required. That was on XXXX XXXX of this year. On the seventh they indicated it was incomplete. So I uploaded the rest of the documentation on XXXX XXXX. The website shows that no one has looked at anything since XXXX XXXX. I called on Friday and they just brushed me aside. Why is there no one looking at my application. So on Friday I get a letter saying Carrington plans on foreclosing. I know that I am behind but is this not dual tracking? I have not even had anyone tell me what is missing or anyone even look at anything since XXXX XXXX. How can they make a decision if they do not even look at my application? So now I am going to lose my house because someone is not doing their job. This seems unfair. I need help with this.
Company Response: Closed with explanation
2017-09-29
NY
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I had a FHA Mortgage and was doing a Short Sale with XXXX XXXX. My loan number with XXXX XXXX XXXX was XXXX and my loan number with Carrington Mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, NY XXXX.
The Real Estate Broker sold the property for {$240000.00} to a cash buyer ready to close but XXXX XXXX XXXX sold the property to Carrington Mortgage for {$680000.00} instead.
XXXX XXXX and XXXX XXXX who work at Carrington Mortgage changed the lock on the house and lock the owner out of his house.XXXX XXXX tried to bribe the homeowner by promising to give {$10000.00} to the homeowner if he would sign the deed transfering the house to him.I have the email to prove it.
Recently, XXXX XXXX broke into the house and renovated the house and listed the same house for XXXX This house is still owned by XXXX XXXX according to the property record.XXXX XXXX and XXXX XXXX should be arrested today.
Company Response: Closed with explanation
2017-09-29
Cumberland, MS
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-28
Kent, WA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-09-28
Cedar Hill, MO
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-09-27
Fort Worth, TX
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Reverse mortgage
Company Response: Closed with explanation
2017-09-27
Green Oaks, IL
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-09-26
NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-26
29 Palms, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-24
Clarkesville, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: On XXXX XXXX of XXXX, I contacted my mortgage company after receiving a statement with a balance of XXXX. Since then I have had concerns and questions about it and I still have not received any answers. I have been a victim of an unlawful foreclosure. I have called numerous times and spoke with reps and supervisors before the sale date, which was on XXXX XXXX. They only lied and guaranteed me that they would do their research and call me back. Needless to say they did not. I spoke with the foreclosure attorney and he gave me his direct contact number after I told him everything I have paid out and my issues. He even realized that something fraudulent had taken place. He also told me that he would call me in a couple of days after his research and if not to call him. He did not call so I called him and left a message. He did not return my call, so I waited another day and called him back and now he has an invalid number. My initial question was, why is my mortgage company charging me for arrears that I paid through my bankruptcy, in the amount of XXXX. It was completed and I was XXXX in XXXX XXXX. I also had a loan modification in XXXX which should have taken care of those arrears.
Company Response: Closed with explanation
2017-09-21
NJ
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-09-20
Gloucester City, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I had a qualifying hardship in XXXX XXXX when I went out on XXXX XXXX. Since then I have fallen delinquent with the mortgage on my primary residence. I have made numerous attempts to keep the home from foreclosure. The last contact I had with the mortgage company I was told that there is a cease and desist order and they could no longer provide me with any information. That was in XXXX of XXXX. I have not received a monthly statement from them since then. I was told by the mortgage company the lawyers phone number to contact and a last name only! The phone number was a fax number and I do not know the lawyer involved nor does the mortgage company. In the meantime, the mortgage company has obtained an attorney to represent them and the bank which the loan is through. I have not been able to even try to negotiate with the mortgage company because of this cease and desist order but they wo n't provide me any additional information to investigate on my part who ordered the cease and desist order. Since then my hands have been tied to any further contact or request for information on my mortgage account. The mortgage company is moving forward with foreclosure proceedings and had an attorney file a complaint in the Superior Court of New Jersey for a motion to foreclose on my home. The attorney representing the plaintiff will not provide the information I need to even file an answer to the complaint filed in XXXX XXXX. I contacted Legal Services in XXXX XXXX and was advised to cut my losses and remain in the home until the XXXX XXXX Sherrif seizes the property. I feel that this whole ordeal is a violation of my consumer rights and I am requesting assistance to resolve this matter as soon as possible. This is an urgent complaint that needs immediate consideration. As I mentioned I am XXXX and have not been able to find suitable housing because of my fixed income and a poor credit report due to the delinquency of this loan! Please help! Thank you in advance for your cooperation in this emergency situation!
Company Response: Closed with explanation
2017-09-20
Chestnut Ridge, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-09-19
Beaumont, TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Dear XXXX, RE : XXXX XXXX XXXX On XX/XX/XXXX we were affected by XXXX XXXX due to 45 inches of rain in 3 days in XXXX XXXX Texas.Not only has the Governor of Texas issued a Emergency Declaration but The President has signed into law an Emergency Declaration and my county fell under this declaration and protection per XXXX.
I have a XXXX backed mortgage that is under protection of a 90 day moratorium as indicated by the HUD.gov website on any foreclosure related activity from that date onward until XX/XX/XXXX and possibly further.
My loan servicer, Carrington Mortgage Services is aware/notified of the disaster, that my county falls under the declarations scope by XXXX ( XX/XX/XXXX ) and myself ( XX/XX/XXXX ) as well as the 90 day Moratorium.
I received a Certified Letter from XXXX. dated XX/XX/XXXX on XX/XX/XXXX threatening foreclosure.
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2017-09-19
Marion, MT
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-19
Driver, VA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-09-19
Phoenix, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-18
Colts Neck, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-18
Williamston, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-18
Momeyer, NC
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-09-18
Five Points, NC
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: XX/XX/XXXX I received a letter form XXXX XXXX XXXX thanking me for participation in the loan assistance process XX/XX/XXXX XXXX XXXX XXXX XXXX notified me regarding my loan number:XXXX, { XXXX }. A re-instatement order was submitted. By the Home loan team. Respond by XX/XX/XXXX completed the package forwarded to the Home Loan Team. XX/XX/XXXX I received a letter from Carrington Mortgage LLC Phone XXXX stating my loan had been transferred to their company. Loan no. XXXX Stating they would honor the { XXXX }. Submitted to XXXX XXXX XXXX, However I submitted another { XXXX } with Carrington Mortgage LLC. After receiving a notice my deadline was XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX filed notice of a collection foreclosure hearing with XXXX XXXX XXXX XXXX XXXX. for XX/XX/XXXX another foreclosure hearing is set for XX/XX/XXXX Note : under NC.G.S. 45-21 16 { C }. 15 U.S.C.1692 a { 5 } > Lender is supposed to provide barrower XXXX XXXX an opportunity to resolve the matter through any an all resolutions ... I inquired about the status of my { XXXX } application? Once the barrower has submitted a { XXXX } .application the foreclosure process is supposed to ceased By according FHA , FEDERAL an STATE LAW.
Company Response: Closed with explanation
2017-09-17
Albuquerque, NM
Trouble during payment process
Mortgage: FHA mortgage
Complaint: During a loss modification trial, we had made already 3 payments to Carrington Mortgage.
We were told on the eve of the third month end, that they needed my daughter to be off the title of my house. I have the mortgage and as previously instructed, I added me to the title. I had deeded her the title after my husband 's XXXX and my illness.
I took her off the title and now it is just me on the title.
Then they told me that the title company needs other documents and they gave me only two days to provide. They asked for a document from the unemployment division of the State of NM that I have paid the money I supposedly owed them, on a lien. I do not owe them money. I never have ever filed unemployed and I still work as a XXXX even after my husband just XXXX XXXX.
My daughter was unemployed, but she has her own house in another address and she has a lien on her house not on mine. We both went to the clerk house and they provided us with the lien on another address not mine. We provided that to the customer service rep and she said the case was closed, after making the 3 payments as scheduled!!! they gave us only a day!
Not only that, but they gave us the run around because they would not talk to my daughter now since she now was NOT on the loan or title. Nice. SHe had no clue about this nor I since we did not know in advance when we submitted the application 3 months prior for modification. I want to KEEP MY HOUSE. This is where I live, I am old, I am going to retire here I make income I can pay the payment, I proved it. My husband XXXX, I had an accident, I almost died, but I am alive and working do not take my house away for a lien that is not mine.
Also, Carrington Mortgage did not tell us or communicate with us about another " discovered '' lien they had until some correspondance about 30 days after they " closed the modification ''. They said that I have a XXXX lien. The XXXX had made an exception because of the fact my husband was a XXXX and the XXXX and that I was ill and things happen without my control and they worked out a payment reduction and I have the email. The thing is that the check went to the office in XXXX and got mixed up with other files an attorney had and got put in the wrong batch. This got cleared out now, however Idid not know and Carrington DID NOT tell me about the XXXX lien. I discovered it myself when I went to the court house ( clerkoffice actually ) to find out about the other lien in my daughter house. So not only Carrington did NOT tell me about this lien but also sent me information in writing after they close the trial modification file without giving me the option to give them the outstanding documents they discovered they needed, that is after I already made 3 payments!!!
If it is true that I had not satisfied requirements for accepting a trial loan modification plan, as the communication via mail I got about 2 weeks ago, however I did submits trial plan payments within deadline, the servicer must have given me time to prudent time to complete the documents.I believe that those are the new rules per your entity too.
I have XXXX XXXX telephone records that the HUD agency attorney in XXXX wants where I reached out to them and they just left a voice mail to call back so we kept doing that for weeks, these carrington people never ever told me of the XXXX lien at all, they even sent me emails about the unemployment lien of my daughter and to take her off the title completely before they will consider a modification with me, however they never mentioned the XXXX lien. There is no lien, my statement is current. The XXXX took some time to clear this out. However it is clear and the servicer should have given me time to submit that prior closing the mod package. They even closed it without even telling me of the XXXX lien.
You never know if they really take you seriously because they never follow up in writing on the compromises they make for instance we appealed to the closing of the trial modification and we requested a forebearance during the time they investigate, and they customer service person said is too late. Should n't they have got to the supervisor to allow time to produce the documents or lien releases they were looking for and provide us with more notice than a few hours? That is not something a prudent person does or is expected to do. I wish other entity or theCFPB could have looked over the appeal, to date there has been no writtenresponse to the appeal we made to get prudent time to present the documents they need. Like we do not exist.
Sirs, what will it take to have them treat me fairly? I had to deal with alot personally family wise healthwise, I just want to get my life in order. I have a job, the ability to pay the desire to keep my house. Please help me..where an appeal was asked for, if they took us seriously, the servicer must extend deadline for accepting any offered loss mitigation option until 14 days after providing notice concerning how appeal was resolved.
I have heard from the HUD counselor that Servicers may offer consumers a shortterm payment forbearance of no more than 6 months based on incomplete loss mitigation application during which consumer allowed to forgo making or make Loss Mitigation Procedure and resolve the outstanding documents.
Sirs, what will it take to have them treat me fairly? I had to deal with alot personally family wise healthwise, I just want to get my life in order. I have a job, the ability to pay the desire to keep my house. Please help me..where an appeal was asked for, if they took us seriously, the servicer must extend deadline for accepting any offered loss mitigation option until 14 days after providing notice concerning how appeal was resolved.
I have heard from the HUD counselor that Servicers may offer consumers a shortterm payment forbearance of no more than 6 months based on incomplete loss mitigation application during which consumer allowed to forgo making or make Loss Mitigation Procedure and resolve the outstanding documents. He also told me that if the information was not in my control, then if I sent everything else, for which the servicer asked, other than information not in my control ( my daughters unemployment issue and the XXXX mistake ) then the servicer must consider my application complete.
And to top it off, they did not inform whether loss mitigation appeal will be offered or actual reasons for option 's denial ; I would have liked to interface and communicate with a reviewer that is part of another entity or an " independent personnel '', i.e., not those initially evaluating loss mitigation application ; and for Carrington reps to refrain from beginning/completing foreclosure in circumstances when I, the consumer is being evaluated for loss mitigation. I was told that they can not move forward with a modification as such as they offered, and that I would have to start again, but " he is not sure I can modify the loan '' because it is " flagged '' and the system does not allow them to send another modification package because of the " flag ''. When I asked about the reason for the " flag ''. They told me is either because is in process of foreclosure or that I filed a complaint with the CFPB, and as such, the system will not allow them to send a mod package to me. I was told to go to the website and investigate for myself and see what I can find but they do not promise anything????????
REALLY? help me please I am XXXX and this is causing me so much stress I ended in the hospital because every time I talk to them they are very mean. I am by myself, now without a husband and now my daughter is not in title to help me. I can not afford an attorney to talk to theirs or to fight with theirs in court. I just want to keep my house I have paid by teaching kids like the ones their attorneys have in the public schools. My XXXX XXXX fought for the freedom their attorneys have to take me to court to take my house away only because I filed or my daughter did, a complaint with CFPB before. What good does it do then. I just want to keep my house and I am so tired of submitting package after package and always papers are lost and more and more is needed is chineese for me. This is also my second language I understand them, but they speak too fast too and too loud and I am not an attorney to navigate their stuff and understand how messy this is.
Company Response: Closed with explanation
2017-09-16
Bohemia, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: The family has had extreme hardship including the XXXX of a very young son and numerous illnesses. The attorney that was mentioned before collected the mortgage payments from the family for almost 5 years with the promise that he would get them a cheaper mortgage payment and save their home from foreclosure or any other negative situation. We paid him {$1500.00} to start and then he requested {$1900.00} our mortgage payment each month for five years. Each time he assured us that he was working with the bank and we were going to be very pleased with the results. In XX/XX/XXXX he came to our home picked up the mortgage payment that we thought he was paying to the bank. We called him and there was no answer. He disappeared with no way to contact him. WE reported him to the DA nothing happened we paid him all of the payments we thought were going to the bank. When we contacted the bank they refused to work with us.A friend recommended women to us who we paid {$5500.00}. to help us and still nothing.
We have monies saved to pay a sizable down payment and payments to be considered for a loan workout..Please help us save our home. We are now working with a not for profit and we are not getting good help from Carrington Mortgage. At this point they are not giving us much hope.
Company Response: Closed with explanation