CARRINGTON MORTGAGE SERVICES, LLC

2017-04-17

Orange Park, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Cherry Hill, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Cherry Hill, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Reading, PA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Bethlehem, WV

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Pittston, ME

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Hamburg, MN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Sacramento, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Cherry Hill, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Arlington, TX

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Bakersfield, CA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Chattanooga, TN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: On XX/XX/XXXX i received my trial modification paperwork from XXXX. first paymnet due on XX/XX/XXXX final on XX/XX/XXXX on XXXX mortgage was then sold to I Carrington Mtg Co. I have made all my required payment as agreed in the trial modification, I received my final docements on XX/XX/XXXX and returned them on XX/XX/XXXX. The papers stated my first payment is due on XX/XX/XXXX but Carrington advised I was due a payment in XX/XX/XXXX and cant tell me where that money is going and the final modification paper amount will differ because of that payment, I can not get a straight answer as to when my final docs will be uploaded they can not give me a balance etc but they are wanting a payment when i clearly made XX/XX/XXXX pymnt in XX/XX/XXXX and the documents state the account wasnt due until XX/XX/XXXX when I was made to pay it in XX/XX/XXXX. They are still reporting negative to my credit and all my payments are being made.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

Deerfield Bch, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

Huntingtown, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Hampton, VA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Carrington Mortgage Services took over servicing my mortgage, I paid extra every month and for the 1st several months ( 3ish ) they applied the extra to the principal of the loan, then in XX/XX/2017 they recalculated everything and used the extra money to apply to future payments they sent my statement claiming I was late on my payment and over due by {$45.00}! I called them and in XXXX I got them to revers this and reapply the extra money back to the principal of the ( VA ) Loan. I asked for a pay off statement and had XXXX send Carrington a " Bill pay check '' for the full amount. They applied it as a normal payment so I called. 3 different Carrington employees went through the issues with me and said they would " take care of this issue an I should consider my mortgage paid in full '' and that the Escrow balance would be returned to me. XX/XX/2017 I received a call from XXXX on my answering system. I called Carrington and XXXX could not be found, I was informed that I would need to make yet another payment because they did not consider the XXXX bill pay check " Certified '' I spoke to a supervisor and informed him that 3 of their employees had said that my mortgage should be considered paid in full, he said he could not follow through with that and I could send a letter asking them to use my Escrow balance to pay the loan. I asked for a new pay off to be sent and he 1st said I would have to send a letter to request this. They currently say my payment is over {$500.00} but the last bill they sent me shows the principal to be {$250.00} ( XX/XX/2017 ) and the escrow to be {$340.00} and Total Amount Due {$640.00}. The math adds up to theft! I 'm waiting for a new pay off statement so they can rip me off again! The lender has huge numbers of complains DO SOMETHING!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Bellevue, TX

Settlement process and costs

Mortgage: FHA mortgage

Complaint: I bought my home through an FHA loan in XX/XX/XXXX and we heard all of the good things about refinancing and finally did it in XX/XX/XXXX. Our loan was held by XXXX and we refinanced through them, as well with another FHA loan. In XX/XX/XXXX our paperwork was finalized to refinance our home. However, we were not aware and not told that FHA regulations had changed and that Private Mortgage Insurance would now be part of the loan for the entirety of the loan. The payment quote that the XXXX representative originally told me over the phone was considerably lower than the final one I began to see in the paperwork. When I asked about this discrepency he said FHA rules had changed and the insurance cost had gone up. He did not explain that we would have PMI for the life of the loan. We are now locked into a loan with PMI and our monthly payment has now surpassed our original monthly payments as we deal with increasing property taxes, as well. I hold XXXX responsible for not thoroughly explaining this - as they would be benefiting from the extra Mortgage insurance they would receive from us. Looking back I can see the terms are in writing in the contract, but we did not receive full explanation and only had a notary present at the signing the closing documents. XXXX did not do their due dilligence to make sure we understood we would have PMI or MIP ( whichever you call it ) for the life of the loan. I am not sure we had even seen it in paperwork before the day of signing. It was also not disclosed to us than a small down payment would have removed MIP from this loan. In the paperwork the Present Market value in XX/XX/XXXX was recorded as {$100000.00} and the amount of our mortgage was recorded as {$93000.00}. This is an LTV of 90.4 %. This to me means we should not have MIP on this loan. I also hold HUD responsible as I see this as another burden they have placed on homeowners. There is no reason homeowners who have never missed a payment should be stuck with this extra fee for the life of a loan! This is just extra money into the pocket of the lender on top of the interest they already receive! We now own more than 20 % equity in our home and have never missed a payment, yet we are strapped with the added burden of this mortgage insurance. I can not believe we had the horrible luck of refinancing one month after the rules regarding PMI had changed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

WA

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: I wish I had first done research on Carrington Mortgage Services before attempting to refinance with them. There are thousands of complaints online about them. Just XXXX it and check for yourself. I will never again do business with this deceptive, lying company. I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on or about XX/XX/XXXX, regarding Carrington Mortgage Services, ( CMS ). The Case number is XXXX. The company asked for an initial extension of 60 days and it was granted by the CFPB. On XX/XX/XXXX, I received a response from CMS. At the end of their response, they ask for additional time to complete their investigation. Since they have already been granted one extension, I do not believe they should be granted another one. They have been dragging their feet for 60 days on this issue. I believe CMS is just stringing this out because our current President of the USA has said on many occasions that he will try to completely shut down the CFPB as soon as possible, and CMS does n't want the CFPB to fine or punish them. I am a huge fan of the CFPB and hope they stay open forever and do great work in holding deceptive companies such as CMS accountable. Their initial email to me, dated XX/XX/XXXX, offering to refinance my current mortgage with them, stated that they would NOT need to verify my income. They ended up denying my refinance request due to " not being able to verify my income. '' So they were lying to me about NOT needing to verify my income. That seems like a clear case of deception to me. Why did CMS ask me on many occasions to send them many different financial documents proving my income and assets? Especially when their initial email to me stated that they " Did NOT need to verify my income to qualify for a refinance. '' CMS should be held accountable by the CFPB and fined and forced to grant me the refinance I was requesting. They should not be allowed to get away with deceptive practices such as this. If they are denying my refinance request, with my near- perfect credit score and my base salary of {$58000.00} and a relatively small mortgage of XXXX, then they must not be approving too many loans. I would think I am a very small risk to loan to. Nothing negative on my credit report - EVER! And I am a XXXX. I have been with the XXXX for over 13 years now and will stay with them at least until I can retire at my 30 year mark. Their initial email offering to start the refinance process with me also started, " The process only takes three weeks. '' This is a lie and deceptive practice because they process took just short of three months. I fulfilled every request that CMS made of me in the refinance process in a timely manner. There were many requests, at least 25 over the course of the three months before they ended up denying me. At least 75 % of those requests were completed by me and emailed back to the company within 48 hours. Only one, getting a copy of my divorce papers, took about 5 to 6 days. It took this long because I had to order a copy from the County Clerk 's office. I was very prompt in all of my communications with CMS during the entire 3 month refinance process. I was excited about lowering my payment and paying much less interest on my mortgage over the life of the loan. Consumer Financial Protection Bureau ( CFPB ) - - Please do not let this company pull the wool over your eyes. Please take action against them. If not, I will be forced to have my Attorney pursue any and all legal remedies against Carrington Mortgage Services for engaging in deceptive lending practices and lying to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Newport Beach, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Federal Way, WA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX, my attorney submitted all required documents to Carrington Mortgage for their review for a Short Sale. Carrington set the file up on Equator for processing. In XXXX, they demanded that a junior lienholder supply a payoff statement In 7 days, and it took us 8 days to get the document, so they reset the file. We submitted the file again, and they negotiated with us to submission for approval. While waiting for investor approval, we were informed that they had forgotten to put the file through a " waterfall '' process, and had to start over, in XX/XX/XXXX. After weeks of calling and getting unclear or contradicting answers, all documents were confirmed received in XXXX and we were told to wait 30 days, until the " waterfall '' was complete. On XX/XX/XXXX, we were told the " waterfall '' was complete, and that we could proceed with a short sale, but that the foreclosure sale date was 10 days away, and they would push that out to XX/XX/XXXX Today, they said that participating in the short sale was no longer " in their best interest '' and that they would let the property go to foreclosure on Friday, XX/XX/XXXX. Attached, however, is the Conditional Approval Letter they sent in XXXX, when they had first completed the waterfall process. They lied to us, strung us along, and dropped the file just close enough to the foreclosure date that we could not restart. This is a systemic issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

La Pine, OR

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I am here to make a complaint against my mortgage company they foreclosed and sold my house out from underneath me. In 2016 it was pending in foreclosure and I filed a notice of rescission in XXXX 2016 and my mortgage company totally ignored the notice of rescission and went ahead and foreclosed and sold my property on XXXX XXXX of 2016 and now they are trying to force me out as a tent. Somewhere along the line they have done this illegally. Now they are trying to force me out as a tenant I 've been to court three times and the judge ruled in favor of the plaintiff which is my mortgage company and as of Tuesday, XXXX XXXX, 2016 it has not been recorded that it was sold they 've sold it for more than what I owed and now I am trying to get the money that 's left over but I 'm still here in the house I have n't been evicted yet the whole thing of this mortgage company and the way they sold and foreclosed is awful fishy to me and I do n't have a whole Lotta money to fight this so I 'm just sitting here waiting.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-02

Wesley Chapel, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-02

MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I recently received a notice from my mortgage loan servicer Carrington Mortgage Services indicating the only way to make my mortgage payment without paying a payment fee is to sign up for automatic payments. If consumers fail to sign up for automatic payments they will be charged up to 20USD to use any other payment methods ( I.e. Online, pay by phone, customer service representative ). This does not appear to be legal and I would like to understand if this is required. It appears to be required for all consumers no matter their account standing.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-01

Seneca, SC

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-01

Arco, CA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: As of today, XX/XX/XXXX, Carrington Mortgage has STILL not provided any information about my loan, despite acquiring it in XX/XX/XXXX. I have STILL not received a XXXX as required by FEDERAL LAW. I have no idea why they continue to add late fees to the account because they REFUSE to send monthly statements. I have recently provided them with proof of insurance, but have been told that they will continue with the forced coverage placed on the property.
Company Response: Closed with explanation

Disputed: No Timely Response