CARRINGTON MORTGAGE SERVICES, LLC

2017-04-01

CT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am retired and have had my mortgage sold by XXXX to Carrington Mortgage ( which I had no say in ). Now Carrington Mortgage after more than a year is charging me a convenience fee unless I make the payment an automatic bank draft payment. I have been paying online since they acquired my mortgage and have not missed a payment or been late. I have a sizable mortgage and adding more fees onto that payment in order to force me to attach them to my account is ridiculous. They are making {$1600.00} in interest already, and it seems this practice should be illegal. Everything I read tells me they can not force me to make an autodraft from my bank account. Please advise, as I am afraid if I am forced to make this autograft to avoid fees, may cause them to try an pull from an account that may not get retirement pay deposited on time and cause an overdraft/insufficient funds situation for a situation out of my control.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Fernald, IA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Deerfield Bch, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Cheverly, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender closed the review 3 days after receiving the package due to a missing signature on the client profit and Loss statement.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Reading, PA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Stanford, KY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Carrington Mortgage is trying to charge for any payment for a mortgage other than an automated payment. I have never missed or been late for a payment and make them online. I do not wish to use their automated payment system as I do not want my information stored on their servers. Please help!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-28

Puyallup, WA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Columbus, MS

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Escrow manipulation ; Carrington Mortgage. Adding fees for there own.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Watkins, CO

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Marlboro, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Hollywood, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: To the Attention of CFPB : In XXXX I had my mortgage with CitiMortgage. I was in a hardship situation that is described in the attached letter. I appluied for a Modification with CitiMortgage and never got an answer from them, From XX/XX/XXXX to the time of sale to carringing XXXX continuously asked for papers I had sent them. I felt the were Dual Tracking and wanting to foreclose on the home. I feel that Carrington has also done Dual Tracking - saying they had not received information I sent to XXXX and currently with XXXX with their people. We have had to send duplicate fax 's to then numerous times. I was not aware that In XX/XX/XXXX my loan was sold to Carrington Mortgage. I was notified of the sale by a notice RE : Service member Civil Relief Act Notice Disclosure, that was received on XX/XX/XXXX and that my loan number with them was : XXXX. I spoke to a relative in California who referred The XXXX to me.I hired and paid them {$2800.00} to provide in obtaining a Hardship Modification for me - which they were unable to obtain. I received a Notification of Denial on XX/XX/XXXX. At that time I was referred to a lady named XXXX XXXX as a contact for me. She told me if I would send {$5000.00} I could resume the payments I had with XXXX. They indicated that I was Ineligible for Unemployment hardship reasons when I was fired from my job in XX/XX/XXXX - when I was making between {$65000.00}. to {$75000.00}. a year. I spoke to XXXX 's supervisor XXXX and he told me that I needed to pay the total amount due of {$25000.00} in order for my home not to be sold on XX/XX/XXXX. I will be XXXX years old in XX/XX/XXXX. I have many health problems and and XXXX. I am XXXX I had on XX/XX/XXXX. I have XXXX.I have XXXX, XXXX, XXXX, a XXXX, XXXX, XXXX, XXXX and XXXX. I was diagnosed with XXXX in XX/XX/XXXX that required XXXX in XX/XX/XXXX and had to have my XXXX & XXXX in XX/XX/XXXX. I have used all my savings and am on Social Security. I receive {$XXXX} a month and my supplemental & RX insurance takes {$650.00} for my premiums. My son and grandson came to live with me after their wife & mother died in XX/XX/XXXX. My son was in an accident just prior to her death and had XXXX XXXX and it has taken him several years to recuperate. He is currently working and helping with household expenses. His son is in college. One of the mortgage lenders I spoke with referred me to XXXX and they have been most caring and helpful in trying to help my situation. XXXX told me yesterday there was no way he would extend my foreclosure date of XX/XX/XXXX. I built my home when my mother was alive and had it made for XXXX, and the elderly. She had XXXX before she died. My home is set up where I can get around - no stairs, XXXX and I really want to stay here until I die. I feel the mnortgage companies have lost their feelings for people 's hardships and are not concerned at all about humanity. Please help me keep my home. I was told by both XXXX, XXXX and Carrington Mortgage to not worry about making payments while I was in the Modification process. I have never received a statement from Carrington and when I asked what the payments would be - I received no answer. There has been no communication from them when I requested it.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Charlottesville, VA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: back in XXXX i refinanced my mortg with a company by the name of XXXX. this lasted about a year and i received a letter from XXXX saying they had bought my loan. this is also where the problems started. XXXX said i was deliquent from XXXX so i confrounted XXXX and finally thought the problem was solved. next about XXXX i received another letter from carrington mortg sayiny they had purchased my loan from XXXX. in XXXX i requested a payoff on my mortg and was told i was XXXX in arrears and a escrow bal of XXXX in the hole. i contacted carrington and was told i was preforeclosure unless i paid the deliquent amt. i researched my pmts with date ck number and amts and have forwarded this to XXXX and carrington. i am awaiting their response. this happened several months ago. sounds like i have been involved with predatory lendors. can you help. thanks
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Grand Haven, MI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Greenbelt, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Thompsons Station, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to complain about Carrington Mortgage Services. XXXX sold our mortgage loan to them. We never experienced any problems with them and have never been late in the years we were with XXXX. Please see the following : Received a letter from CMS dated XX/XX/XXXX stating effective XX/XX/XXXX transfer of our mortgage from XXXX to them. Received a letter from CMS dated XX/XX/XXXX stating to " Please disregard the following letters sent to you on XX/XX/XXXX the Notice of Sale of Ownership of Mortgage Loan and Notice of Servicing Transfer '' with the actual transfer date had occurred XX/XX/XXXX. Unable to make an on-line payment since CMS did not recognize our account, check sent to CMS for XXXX payment check # XXXX for {$1800.00} sent. CMS ran check thru as a DEBIT payment, not a check via the Automatic Clearing House ( ACH ). This payment was not applied to our CMS loan number **********, but cleared our bank on XX/XX/XXXX. XX/XX/XXXX received a letter from CMS that our mortgage payments for XX/XX/XXXX was not received, nor XX/XX/XXXX and " you are in default of your loan for XXXX payments '' received certified mail. XX/XX/XXXX payment made online XX/XX/XXXX for amount of {$1800.00} from our bank account confirmation number XXXX XX/XX/XXXX received another foreclosure letter. XX/XX/XXXX called and spoke with XXXX then XXXX about the XXXX payment not being applied as missing payment. XXXX, the supervisor, said we needed a copy of the check front and back, and signed and dated paper and fax to XXXX. Our bank informed us that the check was not run as a check, but as a DEBIT, providing copies from our account. When attempting to fax to this number it would not go thru with XXXX separate fax machines, and showed as an invalid number. XX/XX/XXXX called and spoke with XXXX and she said the fax number given was incorrect and to send to XXXX the requested information XXXX said to send. XX/XX/XXXX faxed copies from bank account showing check # XXXX run as a debit and not a check, and there was no check sent to our bank, unable to send front and back copies as CMS requested. Faxed this to Customer Research at XXXX. XX/XX/XXXX letter received that they are looking into my concerns sent to Customer Research. XX/XX/XXXX dated letter received about late fees added of {$74.00}, with still at risk of foreclosure. XX/XX/XXXX called CMS spoke with XXXX about the results from Customer Research. She said " be patient '', it can take a month. It has already been over a month since faxed XXXX. XX/XX/XXXX letter received from Customer Research, XXXX, states they do not find the payment and in order to further research this they require the front and back of the check # XXXX. Again it was run as a DEBIT by CMS. XX/XX/XXXX a notice of intent to foreclose letter sent from CMS. XX/XX/XXXX went to my bank and got a written letter stating that CMS did use check number XXXX and it cleared my checking account on XX/XX/XXXX via the Automatic Clearing House. XX/XX/XXXX refaxed more document to Customer Research from bank showing the check XXXX did get cashed by them as a DEBIT and went thru the ACH. On Friday XX/XX/XXXX I spoke with CMS to see if they had received my new fax sent two days earlier to Customer Research Department. She said there was not any record of receipt. The woman I spoke to also said there was no way to speak with the Research department she could not or did not have a way to transfer to them, there was no branch I could come in person to talk with someone, and there is no way to talk with any person who handles check payments. At this point I have consulted a lawyer
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Murrieta, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

OR

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Have been applying for a modification at carrington mortgage since XX/XX/2015. They have closed XXXX files stating non compliance even though I call them 2-3 times a week to. Check status and request call if there is a problem with doc. They have promised not to close account as they know I am working on it and then close the next day
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Mboro, TN

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-20

NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Little Hocking, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-19

MO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have been making payments to Carrington Mortgage Services for 2 years. My home has recently been foreclosed and sold, without my knowledge, and without my being allowed to rectify whatever problems thay are claiming there are with my payments. I received a form recently in the mail saying that my loan was in foreclosure, and when I called the company, I was informed that the house had already been sold to to their sister company! I also just received a check from them refunding my last few months of mortgage payments. THIS CA N'T BE LEGAL! I NEED HELP! I have called lawyers, bankers, judges, and everyone that I can think of in hopes that someone can help, but no one seems to be sure what recourse I have against these people other than trying to buy my mortgage back? Again, please help. I am a single mother of XXXX who works nights as a XXXX and this house is the only equity that I have. If it is stolen from me, I will have nothing to show for a decade of mortgage payments on a house that I personally designed and built. This company appears to have the legal authority to do what they have done, but I have not been informed why or how they have foreclosed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Lexington, NC

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: XXXX sold loan to Carrington Mortgage Service, LLC on XX/XX/2016 -- -- XXXX last statement to me was dated XX/XX/2016 which listed my XX/XX/XXXX Payment. I had to contacted them about my XX/XX/XXXX and XX/XX/XXXX Payment which were never generated on a statement which I thought was a banking requirement. They were eventually able to give me my balance after I complained. I believe XXXX should have been required to give out a statement with the Balance Amount at the time of the transfer of both Principle and Escrow. ISSUES with -- -Carrington Mortgage Services , LLC . My problem is with making PRINCIPLE ONLY PAYMENT. Their online payment system only allows additional principle payment in conjunction with full monthly mortgage payments. They have an Other Amount option but have gives you know way to identify where or how you want that Other Amount of money will be applied ( additional Escrow, Principle or Monthly Payment ). I believe I 've found a work around with the online system that may work but why do I have to work this hard to make PRINCIPLE ONLY payments!!!! I have several payment that were not process correctly. The time frame for the correction was stated as 20 BUSINESS DAY which is a full month to get funds removed from regular payments to PRINCIPLE ONLY payments. I was later told the processing time is only 3 to 5 BUSINESS DAY, however that has not been the time frame for my two prior issue with the payments. I have issue making my principle only payment online and with a real representative by phone. I 'm not received any paperwork on any of the PRINCIPLE ONLY issues or correction of those issues. I would think correspondence would be required by law. My complaint main is that PRINCIPLE ONLY OPTION should be required to be easily available to facilitate early loan payoffs and debt reduction.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Liberal, KS

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Klein, TX

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response