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 52
2017-06-06
Bostonia, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Carrington Mortgage Services LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX On XX/XX/XXXX we started a short sale with XXXX , who was the servicer at that time. It has since been transferred to Carrington Mortgage Services ( CMS ). On XX/XX/XXXX we faxed a complete short sale package to CMS. On XX/XX/XXXX CMS claimed their BPO came in at $ 260k and they countered the buyer at this price.
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This price is not at market value and we have requested a copy of the BPO multiple times ( as per ECOA guidelines set forth by the CFPB ). CMS has outright refused to provide a copy of the BPO, stated they dont have to follow anyones guidelines, and insisted that the BPO came in at $ 260k.
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We have since received an appraisal done by a Licensed Appraiser adn the value came in at $ 197k. it is obvious CMS has manufactured the value of $ 260k and has therefore committed Valuation Fraud.
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Well, since we were planning to go after the BPO agents license for Valuation Fraud, we decided to discuss this with said BPO agent. The BPO agent emphatically insisted he did NOT bring the value in anywhere near $ 260k. That leaves the Fraud resting squarely on the shoulders of CMS not a surprise to us, actually. Every single file we have ever had with CMS has resulted in multiple CFPB complaints as a result of their FRAUD.
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1. CMS forecloses on properties to that they may steal the homeowners equity in the property.
2. CMS forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. CMS forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves Please read # 3 again CMS has THEIR OWN RETAIL DIVISION that will list and sell properties to the benefit of CMS.
CMS has violated ECOA guidelines by refusing to give a copy of the BPO that was done.
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CMS has committed FRAUD by establishing their own value CMS is refusing to give an appropriate value for the property in order to prevent the short sale from taking place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels.
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I am sure CMS is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help.
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This is NOT the 1st time this EXACT COMPLAINT has been made against CMS. Not only are there thousands of other people that have filed complaints for these reasons, but we too have already filed complaints against CMS for these same reasons. We would be happy to provide evidence of this upon the CFPBs request.
Company Response: Closed with explanation
2017-06-05
Worcester, MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Im filing a complaint against my current mortgage servicer Carrington Mortgage Servicing ( CMS ) for misapplication of payments as well as erroneously and illegally reporting my mortgage payments delinquent for more than 4 months. The misapplication of payments ultimately led to my mortgage being placed into foreclosure at one point. These servicing abuse issues have led to decimation of what was once considered A+ credit rating, to approximately a XXXX credit rating which is considered very poor. Furthermore to add insult to injury I was also charged excessive late fee totaling almost {$400.00}, these fees have never been adjusted even after CMS realized what their accounting departments had done wring. This abuse has caused irreparable damage to my credit profile and has caused me great emotional distress. My loan was originally being serviced with XXXX ( XXXX ) and had for many years with no incident. In fact I rarely spoke with anyone from XXXX, since my payments were automatically deducted. My issue began late XX/XX/XXXX, when I had received a foreclosure and demand for payment notice. Apparently my loan had been service transferred from XXXX to CMS, and transfer notice letters were sent to an unknown address of ( XXXX XXXX XXXX ) on XX/XX/XXXX. According to my credit reports this address has never been reported as my own, and to this date there has been no disclosure from XXXX nor CMS, as to where the servicers acquired this factious address. My credit reports reflect that my loan was transferred from XXXX, as of XX/XX/XXXX. CMS, has the account reported as 5 months delinquent while XXXX was still while using the Automated Clearing House ( ACH ) system to draft monthly payments from my personal account, taking note that a notice of transfer letter had been sent to the wrong address, unbeknownst to me. Notice of Transfer of Servicing Rights is usually referred to as Notice of Transfer or Goodbye Letter. As per Regulation X, the requirement for sending a Notice of Transfer only applies to first lien loans Regulation X prescribes the requirements for Notice of Transfer under 1024.33 ( 12 CFR 1024.33 ). Regulation X implements Real Estate Settlement Procedures Act ( RESPA ) and is enforced by Consumer Finance Protection Bureau ( CFPB ). Modify Payment Setup You have maximum 60 days You should receive a Notice of Transfer at least 15 days from the effective date of transfer of servicing. You will have to amend the payee name, address, and account numbers for any ACH, Bill Pay, or other automatic payments. You have up to 60 day grace period starting from the date of transfer of servicing to send the payments to the present ( transfer or ) servicer. During this time you will not be assessed any late fee or your payment will not be reported late if you send the payment before the payment due date to the present servicer instead of the new ( transferee ) servicer. However, it is best to start sending payments to the new servicer as soon as possible. Effect XX/XX/XXXX. Given the high volume of recent servicing rights transfers, the CFPB determined that the time was right to provide servicers with notice that their policies and procedures on servicing rights transfers will be closely scrutinized.
Company Response: Closed with explanation
2017-06-03
Nyc, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-03
Nyc, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-02
Lynnewood Gardens, PA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-06-02
Mission Viejo, CA
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-06-01
Albuquerque, NM
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I helped my daughter and kids when she got XXXX and lost work to pay her house and continue paying mine, but the medical bills and other bills tolled us into financial hardship. She is better and got a job. I am a XXXX and applied for modification with carrington. Carrington is telling me that my daughter has to pay her lien for me get the FHA modification or they will close out the file and send it to foreclosure. I proved the lien is not mine, that lien is for another person 's name, and that the title for my house is in my name and not in that person 's name. See attached documents Please I need the title search to be run in my name MY house is XXXX XXXX XXXX XXXX XXXX. I am helping my daughter financially, but she is NOT in my title at XXXX XXXX XXXX XXXX XXXX, XXXX nm XXXX The problem is that we knew about the issue of the lien just this Tuesday, not before, and we have a deadline for Friday or they will close the case? I already made the trial payments
Company Response: Closed with explanation
2017-06-01
Hon, HI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Final payment of loan amount of mortgage was not properly applied. Overpayment went to a suspense account which was greater that the remaining balance. The actual amount was less than the amount owed. Reach out to Carrington Mortgage Sevice and spoken to three representatives ( XXXX X/XX/17 , XXXX X/XX/17 , XXXX X/X/17 ) had not had an amicable resolution. I was informed that I would need a payoff request that was sent to me prior for final settlement however the pay-off showed a refund to me rather that amount owed. A negative derogative was submitted to the credit agencies.
Company Response: Closed with explanation
2017-06-01
Memphis, TN
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I had a reduction in income I had to file bankruptcy to maintain ownership of my home. I dismissed my bankruptcy and I 've submitted several request for modifications and Carrington mortga ge has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times. Carrington m ortgage has had my financials and modification request several weeks and now I have a property foreclosure sale date for XXXX XXXX , XXXX . Also The Property Foreclosure sale noticed is dated XXXX XXXX . The Tennessee law states the homeowner has to b e given a 30 n otice prior to the property foreclosure sale. XXXX XXXX XXXX mailed the notice of foreclosure on XXXX XXXX , XXXX I did n't receive the notice until XXXX XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me
Company Response: Closed with explanation
2017-06-01
AZ
Trouble during payment process
Mortgage: FHA mortgage
Complaint: The company intentionally and systemically creates barriers to payment processing causing delayed payments and negative credit reporting. The payment processing website used by this mortgage servicer was constantly offline on XXXX XXXX , 2017 , which was the last day to make a payment before my account reported as a 30-day l ate. The hold times with the customer service department were extensive and I was not able to get an agent on the phone to pay over the phone. On the following day XXXX XXXX , 2017 I was able to log into my account but the payment portal stated that payments can only be dated until the prior day XXXX XXXX , 2017 . When I finally reached a call center agent, they advised me that it was a known glitch on the XXXX and XXXX of every month their system stops accepting payments online. The only way to process a payment was with that agent but they would charge an additional {$20.00} convinience fee. This is not a convinience when all other methods of expedited payment are turned off because of their glitch. I believe this organization intentionally and systemically causes customers to accrue additional finance charges, and turns off payment options when customers are pressed to make a payment in ord er to drive them into a payment option with a {$20.00} charge to make more money off their customers.
Company Response: Closed with explanation
2017-05-30
Palmyra, MI
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-05-27
Berthoud, CO
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: URGENT!!! NEED HELP ASAP!!! ( Supposed to close loan on XX/XX/XXXX ) I 'm more than happy to provide more information upon request. When I purchased my home, I financed with XXXX. That loan was sold to XXXX XXXX XXXX, where I had a few loan modifications over the years. The loan was then sold to Carrington mortgage services. Carrington is now saying I owe $ XXXX more than what I actually owe, and they will not provide documentation or research the issue in a timely manner. I am aware that I owe the deferred amount from the loan modifications on my loan, however they are saying I owe the modification pay-off twice over. We are supposed to close on the house sale on XX/XX/XXXX. We have been trying to get this resolved for nearly 4 weeks, with absolutely zero response. We have been asked to contact Carrington 's research department via Fax, but are also getting no response. I am desperate for an answer by XX/XX/XXXX.
Company Response: Closed with explanation
2017-05-26
DC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: In XXXX , Carrington Mortgage modified my loan without my approval and/or knowledge.
I recently learned of their actions during a refinancing of the loan with another lender. When I 've talked with Carrington about this issue, they seem not to know much about it, never theless it appears on my credit report as a loan modification. The documents that I will upload indicate that I never signed-off on the modification. During this period, this property was a rental property, and was occupied by tenants that I leased to for approximately 10 years ( XXXX ). Further, the mortgage was not late, i.e, I was not having difficulty paying the mortgage and did not need a modification. I 'm not certain about what can be done, but I 'd like help in unraveling this matter and getting to the bottom of why the modification, and why without my knowledge and involvement. Your help is appreciated.
Company Response: Closed with explanation
2017-05-26
Baltimore, MD
Closing on a mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-25
Deerfield Bch, FL
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-05-25
Baldwin, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-24
Reading, PA
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-05-24
Cols, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Today, I called in on behalf of a borrower ( I have a Power of Attorney on record ) to explain how I mistakenly sent an extra mortgage payment meant to be posted at another mortgage company for a different client. I explained that a full payment of {$660.00} for XXXX XXXX was already made two weeks ago and the account was current. The extra {$750.00} payment they received last week was a mistake. It was clearly a mistake because prior payments were {$660.00}. In my effort to make things easier, I proposed that they applied the {$660.00} towards the XXXX payment and simply carry the {$88.00} into XXXX . We would send in the difference next moth so that an entire payment would be applied towards XXXX XXXX payment. I was told they could n't hold any money in suspense and that all monies had to be applied somewhere. And since there were late fees, that is where the overage would automatically be applied. I told her that if it was a small overage ( less than {$1.0 0} ), I w ould be fine with that. But the {$88.00} overage was substantial for this rental property and that it was better used towards XXXX XXXX payment. I was told there was no way to do this and that I would have to make a refund request and wait 17-20 da ys. I spoke to two different people on the matter who both put me on hold to speak to a " supervisor ''. Both told me that I would have to write a letter, attach a copy of my bank statement showing the {$750.00} payment ( to prove the funds cleared ) in order for me to get a refund. With the first woman, I was under the impression that I would get a partial refund. But the second woman told me that I would have to request a full refund. The instructions seemed so unnecessarily bureaucratic. Because of their inconsistent responses and the fact that Carrington Mortgage seemed to be much harsher today than in years past, I called their " Customer Advocacy '' department to find out their thoughts on the matter. The man told me that since it was my mistake that I issued the wrong payment to them, they were entitled to keep the money. Further, because I made the payment by electronic Billpay ( which does not allow for instructions ) the overage would automatically be applied towards late fees. I could not change how the overage was applied. He did not even discuss the full or partial refund option. I cut that phone call short because I could see the conversation was going nowhere and that he was actually being more hostile than the first two women I spoke to! The account was not only current, it was now a month ahead because of the mistaken {$750.00} payment! And yet I was being treated as if the account were delinquent. In my extensive experience with various mortgage companies, people who overpay ( a ccidental or not ) are accommodated fairly. The preference that any overage be applied towards the principal or the following month 's payment ( regardless of late fee status ) is generally an easy process and granted. I did it with XXXX recently and they were really nice about it. It only took three days to get it done. Best of all, it requires no complicated or bureaucratic refund process. Carrington Mortgage has been more accommodating in years past. Current employees are much harsher with its payment policies to the point where I think they are now violating rules of how mortgage payments should be applied. I have never had any mortgage service company " punish '' its customers for overpayment by telling them they need to request a refund and then wait 17-20 d ays for that refund. Also, I have not had any mortgage company " customer advocate '' tell me before that because a customer overpaid by mistake that they are entitled to keep the money AND apply the funds as they see fit. That is wrong. This is not a late situation at all, the account is current. Most consumers do n't have the experience I have in making hundreds of mortgage payments and interacting with dozens of mortgage servicing companies over the last 15 years. Each mortgage servicing companies are somewhat different in the details but most operate in a reasonably accommodating and standard fashion especially in overpayment situations. Problems are usually resolved with a phone call and an adjustment to the account, not the bureaucratic process I am going through now. Carrington Mortgage employees insist that I request a refund which will take 17-20 days. It is either that or be forced to accept that they will take the {$88.00} for late fees which would be better used towards XXXX XXXX payment. This is a rental property where margins are very small and {$88.00} means a lot here which is why we prefer to carry it over to the next month 's payment. The hostile attitude by the " consumer advocate '' was shocking and disappointing. I do n't believe what Carrington Mortgage is doing now is fair or appropriate. I feel it violates ethical rules of conduct for mortgage servicing companies. I base my complaint on my years of managing properties and making mortgage payments on behalf of many clients over the years. I am trying to be flexible in trying to resolve this overpayment issue but the conversations I had has not given me confidence that things will work out well. Even if they do provide the refund, it is still 17-20 days lost where we do n't have access to the money. It could all be so simple if they just let the {$88.00} sit in a suspense account but they do n't permit that anymore.
Company Response: Closed with explanation
2017-05-24
Palos Park, IL
Incorrect information on your report
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-24
TN
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: On XXXX XXXX , 2017 I contacted the company Carrington Mortgage Services to request a payoff notice and also verify we could sell the property. I was informed that I would receive the information via email shortly and that the actual legitimate information woukd come in the mail. The one that came in the mail would be the one used for the title company and otherwise. When I received that paperwork in the mail on the XX/XX/XXXX I then passed it on to my realtor and title company so they would know the payoff. I was also told that information was valid for 30 days after I received it in the mail, which would mean it was valid until XXXX XXXX , 2017. A few days before closing I called to make sure that the information I had was valid and that all the numbers still matched. They refused to speak with me or my wife. Stated that we had the information and that we were n't to bother them again. So the title company did up the interest amount a smidge just to be on the safe side. We sent the payoff amount on XXXX XXXX , 2017 to the company. When we did n't receive any returns, email, or phone calls we assumed we were done and it was over. We were wrong. Monday the XXXX , 2017 they returned the payoff stating that we owed XXXX more than what we sent. I spent 3 days trying to speak with the company and they refused to speak to us. Finally, I was able to speak with someone, the woman I spoke to said she would send a new payoff notice and it woukd state we were XXXX short. I never received it. So I called back. They informed me that if I continued to contact them they would have me arrested for harrassment, just for calling to find out about our payoff on our mortgage. I received the new payoff yesterday, XXXX XXXX , 2017 , and they have changed the payoff to state that we owed almos t 1800 dollars. I called the company again. They have informed me that they will not speak with me or my wife. They will not tell me what the changes were for and why the added price. They have stated that they wo n't and do n't have to give me any information. My wife is the owner of the house per a probated will and we have shown them these papers proving it at least 4 times. My realtor has proof of it. They still wo n't speak to my wife at all. They have continued to force us to own this house for almost a month now. They wo n't let us pay them because supposedly we are n't paying the right amount, however we have asked for the right amount repeatedly. Please help us. They are continuing to extort more money from us. Everytime it is more but with no explanation.
Company Response: Closed with explanation
2017-05-23
CA
Struggling to pay mortgage
Mortgage: VA mortgage
Complaint: Carrington Mortgage Ser vices LLC Loan No. # XXXX Phone No . # XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX was my first and only lender until XXXX XXXX XXXX XXXX bought XXXX XXXX XXXX on about XXXX XXXX XXXX XXXX XXXX XXXX Loan No. # XXXX Sold my loan to Carrington Mortgage Servic es LLC Loan No. # XXXX I received the Carrington Mortgage Service s LLC inform ation on Friday XXXX when I called XXXX XXXX XXXX XXXX to check on my Short Sale status which was currently in effect and past approved by both XXXX XXXX XXXX and my second, XXXX .. XXXX XXXX XXXX sold my loan while the Short Sale was approved, complete with a buyer. Now that Carrington Mortgage Servi ces LLC bought my l oan and in my opinion cant produce the following documents because in my opinion, XXXX XXXX XXXX never had them and also refused to produce them for me, therefore Carrington Mortgage Services LLC in my opinion doesnt have them and wont be able to produce them as well. Would you please ask to Carrington Mortgage Service s LLC to produce the following item s : 1. The XXXX XXXX XXXX to XXXX XXXX XXXX Assignment of the note in Deed of Trust. 2. Th e Chain of Title from XXXX XXXX XXXX to XXXX XXXX XXXX to Carrington Mortgage Services LLC. 3. Copy of the Recording of De ed of Trust in XXXX XXXX . 4. Copy of the Merger with a list of the assists and UC1 filing. 5. Also, if any of these documents show up, Im requesting a Federal Officer examin e the ink on the date to determine if its appropriate for that month and year. 6. What amount of money did Carrington Mortgage Services LLC pay XXXX XXXX XXXX for my loan? Thank you for your attention to this matter. XXXX XXXX XXXX
Company Response: Closed with explanation
2017-05-23
Forest Park, GA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-22
Cordova, TN
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-22
Allerton, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-22
Bedford, TX
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: Carrington contacted me to refinance my loan with them and I agreed, they pulled my payment history with them and approved the refinance, I submitted everything and was told we would close before the end of XX/XX/XXXX. Meanwhile, they had held my XX/XX/XXXX payment which was made on the XX/XX/XXXX for {$1000.00} and put it in an " unapplied category '' and did n't tell me my payment had went up {$52.00} for escrow.. Carrington said they notified me by mail but I never recieved anything.. So they showed I did not make my payment. They have since reported this to the credit bureau that I was over 30 days late with my payment ( dropped my excellent standing to below average ) and have since disqualified the refinance because of a late payment. I have the printouts from my bank that I have paid my loan every month for the 10 years I have had it. Even their website shows the payment but not applied to anything. My original mortgage was with XXXX and they sold a block of notes to Carrington a few years ago. They treat people terribly, like criminals trying to collect money. They results of theire actions have been very detrimental and I think criminal. I have worked hard to have my credit rating and they have abused the power they have. XXXX XXXX
Company Response: Closed with explanation