CARRINGTON MORTGAGE SERVICES, LLC

2017-08-25

Etna, OH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-25

Riverton, UT

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-25

Church Point, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-24

Stevenson, MD

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I need assistance with keeping my home AND my Servicer may attempt to sell it without due process. I would like your help in resolving an issue with my mortgage servicer. XXXX XXXX XXXX XXXX XXXX XXXX sold my home Loan to Carrington Mortgage Services ( CMS ) in XX/XX/XXXX At the time, I was in the midst of a Loan modification application, I had sent in requested documents but XXXX had not made a determination one way or another. CMS sent me a notice denying my application and giving me an option to appeal by XX/XX/XXXX. However, in the same packet there was another notice informing me that I was approved for Home liquidation options and if I had applied because I wanted to keep my home I have untilXX/XX/XXXXto signify that I am interested in Home Liquidation ( otherwise CMS will put the home in foreclosure and I will no longer have any options open to me like Short sale or Deed in Lieu ). CMS is attempting to railroad me into getting into a liquidation because the date for liquidation options is earlier than for Modification appeal. The reason CMS gave for denying my application for modification is that I did not meet seasoning requirements - the loan has to be at least 12 months old and there have to be at least 4 payments made on the loan. I appealed the decision immediately because my loan was made in XX/XX/XXXXand I have about 60 payments made on the loan. Clearly, I meet the seasoning requirements. Carrington had a gentleman, XXXX from the Escalation team call me and explain that the reason on the letter was not the real reason I was denied and I just did not meet the criteria and the only option I have is to sell the house or hand it to them in a " Deed in Lieu ''. I would also like to add that CMS sent my first mortgage statement to me and increased my mortgage payment by $ XXXX monthly, right out of the gate. It is instructive that the Ohio state Attorney General and Department of Commerce jointly sued CMS alleging it did not provide modifications in the state as required under a XX/XX/XXXXagreement. According to their settlement, CMS will assign a single point of contact at the firm to work with borrowers who apply for a modification. The servicer will also implement a specific timeline for all requests, and it will suspend the foreclosure process while a loan is being evaluated for a workout. Internal reviews will also be set up for denied modifications. CMS also agreed to provide relief to 60 Ohio homeowners that involve loans to which Carrington acquired the servicing rights to in XX/XX/XXXX. CMS has not done any of these things with my loan.
Company Response: Closed with explanation

Timely Response

2017-08-23

Halifax, NC

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-23

FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-22

Grangeville, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I received a Notice of Servicing Transfer on XXXX/XXXX/XXXX stating that XXXX XXXX sold my loan to Carrington Mtg Services LLC effective XXXX/XXXX/XXXX. I called Carrington Mtg on XXXX/XXXX/XXXX to see what my new account number will be to reference on my mortgage payments. They stated that it will take 4-6 weeks for them to board my loan and that I need to call back every week to see if they have put my loan on the system. They state they ca n't accept a payment until it is on the system & they claim I wo n't be late until 60 days after the transfer. They ca n't give me anything in writing stating this & its absurd that I have to call every week to see if they did their job to make a payment on my mortgage.
Company Response: Closed with explanation

Timely Response

2017-08-21

Manhattan, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-18

Newnan, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Carrington Mortgage Services is trying to foreclose on my property by way of assignment and i believe that the assignment is fraudulent and signed by robo signature it was conveyed on X/XX/2017 with fraudulent documents i do not owe Carringing or XXXX XXXX XXXX as trustee of XXXX XXXX XXXX XXXX any money also when XXXX conveyed the assignment XXXX XXXX was out of business and fraud can not be the basis of securing a deed. I am revoking the power of attorney that they have because i never gave my power of attorney to them and the company that was my attorney in-fact is out of business
Company Response: Closed with explanation

Timely Response

2017-08-17

San Antonio, TX

Trouble during payment process

Mortgage: VA mortgage

Complaint: On XX/XX/XXXX I attempted to sign into Carrington Mortage Service to pay my mortgage. Their system asked me for the last four of my social security number and another identifying question. Even though I put in the correct answers in the system kept giving an error message saying that the information was incorrect. I noticed on my statement for XX/XX/XXXX Carrington MortgageService is charging me a late fee even though I made the payment before the XX/XX/XXXX. This is not the first time that I have had an issue with Carrington when making my payment on the grace period date.
Company Response: Closed with explanation

Timely Response

2017-08-17

Campville, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-17

IN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My USDA mortgage loan is currently serviced by Carrington Mortgage Services ( CMS ). CMS claims that the total amount past due is {$14000.00}. The alleged claim is for 14 payments. CMS alleges that {$3400.00} were transferred in late fees from XXXX. XXXX has advised there were no late fees compiled when the loan was transferred in XX/XX/XXXX. CMS is clearly trying to over collect on the amount due, so they can push the bill to the USDA for payment. I have also applied for a loan modification on numerous occasions and CMS has refused to submit the modification requests for underwriting to the USDA. Since the USDA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the USDA is unaware of the partial claim, they were clearly in the dark on the loan modification process. CMS is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. CMS also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. CMS has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.
Company Response: Closed with explanation

Timely Response

2017-08-16

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-16

Cimarron Hills, CO

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-15

Arlington, TX

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-15

Freeport, WV

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-14

Quartzsite, AZ

Trouble during payment process

Mortgage: FHA mortgage

Complaint: X/X/17 submitted a request to cancel PMI in writing. X/XX/17 request to remove PMI was declined. They say because my LTV ratio does not meet requirements. I have 57 % equity in my house and it 's been about 8 years since I refinanced. I have lived in my home for 9 years. There was no appraisal done when the loan was funded. They are saying the amount my loan was funded for is also the value of my home. This is incorrect information. I was told I can not speak with anyone that handles PMI removals and was instructed to submit another request to dispute the decision and why. X/XX/17 sent letter via fax disputing the decision.
Company Response: Closed with explanation

Timely Response

2017-08-14

Paterson, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-13

TX

Trouble during payment process

Mortgage: FHA mortgage

Complaint: Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.
Company Response: Closed with explanation

Timely Response

2017-08-12

Brooks, OR

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-11

Riverdale, GA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-11

Lancaster, TX

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-10

Gretna, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My husband 's died XX/XX/XXXX. The loan was financed with with XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE for CARRINGTON MORTAGAGE LOAN TRUST. The loan was an ARM loan where the payments change based on the stock market the 2nd year. We went from 9 % to 11.5 % and got as high as 16.5 % and continued. Our payments went from {$900.00} a month got as hight as {$4200.00} per month. This did include property tax and property or flood insurance. My husband had a great job making {$90000.00} a year and we were able to handle the payments. He lost his job and Hurricane XXXX happened. I found a job and was able to help him and he took on odd jobs and until he found permanent employed making {$30000.00} a year. We were unable to stay on top of our mortgage payments. Then there was a new law that came out saying people like us, were able to apply for a loan modification and we were granted a modification for 5 years with a 5 3/4 % interest rates. That help tremendously. In XX/XX/XXXX my husband was diagnosed with XXXX XXXX. He had to ( XX/XX/XXXX ) had to have XXXX and take time off for treatment. He was able to return to work in at the end of that year. XX/XX/XXXX I was laid off my job ( mast lay-offs ). He filed bankruptcy trying to keep our home. Making payments to the house and bankruptcy payments. Without my salary and only unemployment insurance payments for 4 months we were continually behind. On XX/XX/XXXX my husband died of XXXX XXXX. He had XXXX also and was seeing and XXXX XXXX I received my husbands life insurance payment from his job {$65000.00} He had purchased " terminal illness insurance '' in XX/XX/XXXX they did not pay because my husband had to be alive for 6 months for them to pay this. Also, they asked how did he die, at the time I was told he died of a XXXX XXXX. When the XXXX came in that I ordered at the time of his death it should he had died of an " XXXX XXXX ''. If my husband had died of a XXXX XXXX the insurance company would have given 1 % of the loan or {$15000.00}. I brought the loan current, paid t he bankruptcy payments, {$24000.00} to Carrington Mortgage Loan Services, {$10000.00} bankruptcy payments. I was told that I had to homeowners insurance. In order to get homeowners insurance I had to repair the outside damage to the house ( replace missing shingles, cutters, and roof ), to pass insurance inspection for insurance. {$17000.00}. I asked for a Modification not knowing that because the house was not in my name, they refused to talked to me about the loan. I attorney told them that I was making the payments and t hey agreed to speak with me. But because I had not done a succession they refused to allow me to apply for a modification. I took the last o my money did the succession for my husband. It was only then that I found out that I did not have to pay his bankruptcy payments because the bankruptcy was only in his name. I applied for a modification 7 different times after the succession. They keep saying they did not received it even though I had proof, I had went to XXXX 's XXXX each time and they gave proof of it being sent. Finally, on the 8th time, they acknowledged receiving it and took 3 months, to tell me that they could not give me a modification because nothing had changed in our finances and we had not fulfilled the 1st mod given to us, and that there was no unemployment and that I would not get a mod. That was not true : 1. I lost my job 2. My husband was unemployed twice 3. And now my finances drastically changed because of loss my husband 's income. They sent a letter XX/XX/XXXX, saying my interest rate was going up to 9.42500 % and my payments would go from {$1400.00} per month to XXXX per month. They offered a in house payments plan where I would have to {$4000.00} per month for 6 months and then they would see what was possible for my home loan. They also, reverted all my past due payments from 5 % to the current present interest rate of 9.42500 %. I was told that the new rate would take place XX/XX/XXXX. Not that it would changed all past due pmts to XXXX and just future pmts. I do n't know if you can help me. My husband and myself have lived in this house for 13 years. I would like to keep my home. I hope you can help. They said that I have not make payments since XX/XX/XXXX and that is a error I made payments. I would like to know what happen to the payments that I sent and I have statements in all of XX/XX/XXXX. The attorney 's letter said that he did not have to wait 30 day to take my home. I disputed the amounted listed. But no one have responded my my letter or request. XXXX
Company Response: Closed with explanation

Timely Response

2017-08-10

Houston, TX

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-09

South Florida, FL

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: LOAN # XXXX First and foremost we only and mainly fell behind because without notification out mortgage was increased due to an error that was on Carrington part I believe. We have never paid property taxes because we are exempt from taxation being that my husband is a XXXX XXXX XXXX XXXX military veteran. Carrington said that they received a bill in which is false but sent a payment to XXXX XXXX county property appraisals office and after waiting about 3 months to correct the issue they indeed received the money back that was paid out. I did not agree with the increase and instead of paying increased payment I wrote a letter of explanation and sent in what my regular payment would 've been in to them for a couple of months. By the time the issue had been corrected and funds returned 3 1/2 months had gone by and they refused to go back and lower the payment for those month leaving my family completely overwhelmed. Now we have been trying to do a modification and are having our document declined and saying it 's not correct even after documents are coming directly from official government entity like social security department of veterans affairs and department of children and family even getting departments supervisor involved. It is my belief that Carrington Mortgage Services is trying to maliciously sabotage our loan for their own reasons like selling our home to themselves for {$1000.00} and thamks to the VA A RESCISSION was granted and we moved past it. We are in great need of help and assistance.
Company Response: Closed with explanation

Timely Response