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 68
2016-11-02
Monterey, IN
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: On my XXXX mortgage payment to Carrington mortgage services I made a paper check payment in the amount of {$470.00}, which was the full amount due. When I looked at my bank statement I saw the mortgage company withdrew {$1100.00} which was {$700.00} more than I wrote the check for. The mortgage company has refused to refund me the {$700.00} they took from my account without permission and they t have told me every week for 4 weeks that the money is in my account. I have sent them my bank statements showing the money is not in my account and have contacted my credit union to make sure there have been no attempts to put money into my account. The mortgage company is now telling me I am not eligible for a refund and they have n't even applied the {$700.00} to my mortgage account, so it appears they hare just keeping my money. Now any attempts I make to discuss this matter with them over the phone I am put on hold fro 20-30- minutes until I hang up from frustration. This has been a huge financial distress for me and my family as this was an entire week paycheck and has made it difficult to pay my normal bills and buy groceries and gas for the entire month of XXXX because of these missing funds. I made my XXXX payment as requested so obviously the {$700.00} was not applied to my mortgage account.
Company Response: Closed with explanation
2016-11-02
Alta, CA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: I began refinancing my home with XXXX XXXX on XX/XX/XXXX. I was told by a XXXX XXXX representative it would take about 30 days ; so therefore I should n't make my XX/XX/XXXX payment because it would be covered in the payoff check. On XX/XX/XXXX I was notified by XXXX XXXX that Carrington Mortgage would not send the payoff amount for 30 days. I attempted to make my XX/XX/XXXX payment on XX/XX/XXXX to avoid being late. I was n't notified by Carrington until XX/XX/XXXX that my payment had not been received. So I tried again, using a different bank account, to make my XX/XX/XXXX payment over the phone to avoid being late. Again Carrington stated they were not able to process my payment. I requested the information from Carrington today XX/XX/XXXX to send me the information I input into carrington automated system. Carrington is stating that I must have said or entered the wrong information into the automated system. I remember vividly having my checks in front of me as I typed or stated my account number. I have pleaded with Carrington endlessly to remove the late payment off my credit report and they refuse. I asked for the once a year late payment be removed and they said no. I believe Carrington did n't report the information fairly. If I had been notified immediately the check was n't processed in a timely manner I would have paid it again. It surely does n't appear to be fair to me the consumer because they have an out dated automated system. When I finished paying my payment I received a conformation number stating payment was received. If the automated system could n't find my bank because of bad routing number or a bad bank account it should n't have sent me a confirmation notice stating my payment was received. Most automated systems wont allow you to put in incorrect information and send you a confirmation rely stating they received the funds, when they didnt.
Company Response: Closed with explanation
2016-11-01
Clarkstown, NY
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-11-01
Napoleon, ND
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: XX/XX/XXXX, I was working as a XXXX in the XXXX XXXX XXXX XXXX. As a result of a series of legislation called Act 10, I was forced to take a cut in take home pay of almost XXXX per month. I immediately began trying to work with XXXX XXXX XXXX to modify my home loan into something affordable. I was told that I had to be 45 days behind in order to start a modification process, so I allowed myself to fall behind to start the process ( I was running about 29 days late prior ). After 3 years of attempting to work with them, including lost paperwork, inaccurate claims ( ie home vacant when it was n't ), and changes in case workers, etc I finally contacted my local State Representative who managed to get XXXX XXXX XXXX to work with me. XX/XX/XXXX, I finally had a modification offer but it modified my home to over {$170000.00}. My home is only worth about {$69000.00}. When I asked about modifying it down to what it was worth, I was told to sign the modification and then XXXX XXXX XXXX would work on adjusting the modification down to its value. The only reason the amount was so high was due to XXXX XXXX XXXX taking over 3 years to modify my mortgage and their ineptitude with the process. XX/XX/XXXX, I was offered a job in XXXX, ND which I then accepted. My preference at that time, would have been to have to modification at the value of my home and then to rent the home out. As XXXX XXXX XXXX refused to honor their earlier agreement of renegotiating the modification down to the value of the home, it has now fallen into foreclosure and is vacant. After XXXX XXXX XXXX sold my mortgage to Carrington Mortgage-while in the middle of a modification, in XXXX XXXX, I again attempted the process and was denied any options. When I called to work with the company, I was told, on several occasions, different things. Once I was told to go ahead and short sale it, only to receive a letter later stating that was not possible. I also received a letter stating that I did not qualify for any options. XX/XX/XXXX, I received notice from a law firm representing XXXX XXXX XXXX that my foreclosure was being reopened. In XX/XX/XXXX, I received the attached legal work stating the foreclosure was in the 3 month redemption. After contacting both Carrington and XXXX XXXX XXXX over the course of the last 4 months, I have been told each other owns the mortgage, no one has foreclosed, the process has not been started, it has been started, XXXX XXXX XXXX is not allowed to do that, we do n't own the loan, we do own the loan, etc. My last conversation with Carrington stated that they are selling the mortgage effective XXXX/XXXX/XXXX and will not do anything with it, while the attorney for XXXX XXXX XXXX is trying to move forward with the foreclosure. I have been dealing with this for almost 4 years, with no solution in sight when this should have been completed over 3 years ago. I have attached some of the RMAs, etc and have most paperwork available ( about XXXX pages worth ).
Company Response: Closed with explanation
2016-11-01
Orion Twp, MI
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: I ca n't get Carrington Mortgage to correct an erroneous escrow analysis. My first contact/request for correction was XXXX/XXXX/XXXX. CMS Customer Service submitted my request to Escrow Dept. and immediately cancelled it. Then I called them for a status on XXXX/XXXX/XXXX and CMS Customer Service had to submit it again. This time, instead of submitting to Escrow Dept. as an escalation, they just placed it into a regular queue. I called again on XX/XX/XXXX and still they had not started on it. I was transferred to their property tax vendor who said the Escrow Dept. would need until XX/XX/XXXX ( Saturday! ) to complete it. I called again on XX/XX/XXXX and still it was n't completed. I 'm angry and frustrated because they are increasing my payment by {$300.00} a month based on an erroneous property tax projection. Please help me. This happened to me in XX/XX/XXXX and it 's the same nightmare all over again!
Company Response: Closed with explanation
2016-11-01
Chester, NY
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-10-31
Grayson, GA
Disclosure verification of debt
Debt collection: Mortgage
Not given enough info to verify debt
Company Response: Closed with explanation
2016-10-31
WA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Complaint: In XXXX of 2010 I realized I would need to let my home go ( located at : XXXX XXXX XXXX XXXX ; XXXX, WA XXXX ) At that time I began seeking advice on what to do. I was told to protect myself I should file bankruptsy which I began the paperwork for and filed in XXXX 2010. I notified everyone concerned that I was doing so and completely emptied the house by the end of XXXX, again notifying them they could take immediate possession of the home, please note that I worked very hard to leave the home in good shape where someone could move in immediately with the exception that the furnace had gone out and was unable to be repaired and needed replaced. For about a year they sent me notices of past due and I would call and tell them the house was vacant I had filed bankruptsy and they would say they would take care of it. Then it stopped for a while and I began getting notices from the Carrington Mortgage Services that they were insuring the house under my name and it appeared the cost was also being somehow listed under me? Again I called them after many attempts finally got a live person who said they would take care of it. They began sending me requests for my tax ID ( SS number ) so they could issue me a document that appeared to be the amount they were losing on the house, again I told them I had filed bankruptsy. I recently received yet another communication stating they would report me to the IRS if I did not supply that information. I sent them a letter back along with my bankruptsy discharge and papers showing the home was included. It took a month to get back the receipt and it came with a letter now stating that I owe {$7600.00} for delinquent payments between my first notification I was vacating the home in XXXX 2010 and when I had formally filed the bankruptsy documents with the court in XXXX ... at least I think that is what it is. The attorney that handled my case assured me that I had done everything I needed to do to protect myself. I am feeling very much like I am being harassed, I take care of my adult daughter with a XXXX and XXXX XXXX year old granddaughters and still work full time. I am hoping someone can help me in getting this all to stop. I appreciate anything you can do or direction for me to go in trying to resolve this once and for all.
Thank you - Sincerely, XXXX XXXX
Company Response: Closed with explanation
2016-10-31
Fred, VA
Loan servicing, payments, escrow account
Mortgage: VA mortgage
Complaint: Carrington Mortgage Company was sent a payment on XX/XX/2016 from XXXX, XXXX XXXX, however continuously called and harass for a payment that was already received. When I spoke with the representative on XX/XX/2016, I was told they did n't receive the payment for XX/XX/XXXX from XXXX, XXXX XXXX XXXX and that was XXXX 's payment they received for XX/XX/XXXX of {$1300.00}. Carrington XXXX has placed negative remarks on my and my wife 's credit report for XX/XX/2016, and XX/XX/2016 for XXXX problems that were not our fault as too why the payment was late. XX/XX/XXXX 's payment was late due the banking error that they admitted to in a letter that was sent us. I faxed the letter to Carrington and was told no negative remark or late payments will be reported to the credit bureau after speaking with the Manager. XX/XX/2016 payment was late due thier website, we attempted to make a payment several timesmall online but their website would not accept one. We called to get assistance from customer service but was unsuccessful due to the lack of support, inaccurate information being given, and u professionalism not given. When we finally decided to just pay from the checking account their system had a clitch in it and we were held at fault for thier mistakes. Carrington 's website does not function properly and encourages customers to use XXXX however when you attempt to use XXXX, issues such as now occur. The customer service is very unprofessional and rude. When you ask to speak with a manager they place you hold for long durations or disconnect the converstaion. Carrington Mortgage needs to be investigated for fraud and damaging people credit for no reason to lock them in to the loan to prevent them from refinancing with someone else.
Company Response: Closed with explanation
2016-10-30
Panther Creek, TX
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-10-30
Magnolia, TX
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: XXXX/XXXX/XXXX, PURCHASED BRAND NEW HOME FROM XXXX. CONSTRUCTION BEGAN IN XXXX. XXXX XXXX UPGRADES WERE NOT DISCLOSED TO ME DURING CONSTRUCTION, SO MY CHOICES WERE LIMITED FOR FLOORS, COUNTERS, ETC. LENDER INCENTIVES - {$0.00} DOWN/ {$0.00} CLOSING COST-FOR USING A XXXX XXXX, XXXX FOR HOME LOANS. XXXX XXXX, WAS THE BEGINNING OF MY FINANCIAL CRISIS-SO FAR XXXX FORECLOSURE ATTEMPTS BY XXXX BK 'S COSTING ME $ XXXX LOST XXXX VEHICLES IN CH XXXX-NOW STRUGGLING TO MAKE PYMTS ON XXXX CAR SHARED WITH XXXX XXXX DUE TO EXCESSIVE ATTY FEES IN CH XXXX THAT WAS INTENDED SOLELY TO STOP SALE OF HOUSE. I HAVE FOUND ON : XXXX-DEED OF TRUST ( 1ST {$190000.00} ), PURCHASE MONEY DEED OF TRUST ( 2ND {$48000.00} ) -BOTH W/ SIGNATURE ON SEPERATE PGS/NOTARY PGS ARE DATED XXXX/XXXX/XXXX, 3 DAYS AFTER CLOSING:XXXX XXXX ASSIGNED 1ST AND 2ND TO XXXX WHO ASSIGNED TO XXXX EVEN DAY-XXXX MIN XXXX DEACTIVATED : XXXX/XXXX/XXXX, 4 DAYS AFTER CLOSING, SPECIAL WARRANTY DEED-CASH ( {$10.00} ) FROM XXXX OF TX TO XXXX DBA XXXX , THEN, SPECIAL WARRANTY DEED W/XXXX RESERVED AND ASSIGNED TO 3RD PARTY LENDOR PROMISSORY NOTES OF {$220000.00} AND {$56000.00} PAYABLE TO XXXX FROM XXXX : XXXX/XXXX/XXXX RELEASE OF LIEN ( 2ND {$48000.00} ) BY XXXX, REQUESTED BY XXXX XXXX XXXX, PAID IN FULL : XXXX/XXXX/XXXX ASSIGNMENT OF DEED ( 1ST {$190000.00} ) FROM XXXX, NOMINEE FOR XXXX, TO XXXX XXXX XXXX XXXX, TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX ASSET BACKED PASS THROUGH SECURITIES WITH SEPERATE DOC FROM XXXX, NOMINEE FOR XXXX, REMOVING TRUSTEE AND ASSIGNING SUBSTITUTE TO FORECLOSE-THE RELEASE OF LIEN AND THE ASSIGNMENT OF DEED REF THE XXXX MIN NUMBERS THAT HAVE BEEN INACTIVE SINCE XXXX/XXXX/XXXX. THE RELEASE SIGNED BY XXXX XXXX ( VP OF XXXX ) NOTARIZED IN XXXX, THE ASSIGNMENT ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, XXXX SEC FOR XXXX WITH TRUSTEE NOTICE ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, VP OF CMS- ATTY IN FACT FOR XXXX XXXX WERE BOTH NOTARIZED IN XXXX CA BY A CMS EMPLOYEE, XXXX XXXX XXXX THE VP OF CMS, XXXX. SHE GOES BY XXXX XXXX-EMPLOYEES ARE NOT ALLOWED TO FORWARD CALLS DIRECT TO HER BECAUSE SHE IS VP : NOTARIES NOT ALLOWED TO DISCUSS DOCUMENTS : XXXX/XXXX/XXXX 2ND SUBSTITUTE TRUSTEE ASSIGNMENT POSTED, SIGNED BY XXXX XXXX DEFAULT LEAD FOR CMS, XXXX CA. ALL 3 NOTICES SAY RETURN TO CARRINGTON FORECLOSURE XXXX IN XXXX CA- I WAS ADVISED BY CARRINGTON CALL CENTER, THEY DO NOT HAVE A LOCATION IN XXXX , CA. XXXX XXXX XXXX XXXX-IS A TRUST CONTAINING BUNDLES OF SECURITIZED LOANS ; MORTGAGE WITH CMS WAS DISCHARGED IN 1ST CH XXXX BK ; CMS CLAIMING XXXX XXXX AS LIEN HOLDER OF NOTE ; RECORDS SHOW XXXX DBA XXXX XXXX AS HOLDER OF NOTE. ASSIGNMENTS FROM XXXX TO XXXX IN XXXX OVER RIDE ASSIGNMENTS TO XXXXCMS IN XXXX, PLUS THE ENDORSEMENTS ARE NOT VERIFIABLE.
Company Response: Closed with explanation
2016-10-30
Panther Creek, TX
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-10-30
Alpharetta, GA
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-10-29
Panther Creek, TX
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-10-28
Kenosha, WI
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-10-27
Hamburg, MN
Settlement process and costs
Mortgage: FHA mortgage
Complaint: This has been going on for 2 years ... .it never gets resolved because our mortgage continues to get bought out just as we are ready to agree to a deal. We have to take my ex wife off of the mortgage. She signed a quick claim deed and I was awarded the house in the divorce. We also need to have a mortgage reduction. Our home is severely underwater and it needs to be a valuable asset otherwise why would I stay? I mine a well be renting. The point is I like my home and want to stay. My mortgage has gone up drastically over the years to what I believe were corrupt mortgage companies refinancing my loan and charging high rates ... ..my complaint is that our new mortgage company Carrington is supposed to be giving us a loan mod that our last mortgage company XXXX XXXX agreed to but sold the loan before it went through. THis was the agreement : 1. My exwife XXXX XXXX would be removed 2. XXXX XXXX and XXXX added to the loan 3. Mortgage reduced to make it a valuable asset it was appraised twice by our last mortgage company and came to the new mortgage amount of {$270000.00} We just received in the mail the new loan mod from Carrington. They DID NOT remove my ex wife 's name. They DID NOT reduce the mortgage, they just differed {$69000.00} ... .which does not make any sense, it keeps us in the same boat we were in, living in a home that will NEVER be above water. Do you not understand that we could sell it on a short sale and you would be taking a loss of probably more than {$69000.00}?? If it goes to foreclosure you would for sure lose more than that! Why would n't you want to make this right, reduce the mortgage to fair market value and let me stay in the home I have already poured thousands of dollars into? We were told by our last mortgage company that the new company would honor the agreement.
Company Response: Closed with explanation
2016-10-27
PA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Complaint: I am behind on my mortgage payments and have been trying to get a modification or repayment plan with Carrington Mortgage for the past five months or so. They keep saying I need to send in the same paperwork over and over again. My boyfriend has been laid off from his job for many months and is on unemployment. They keep telling me they need his last 30 days of pay stubs, and when I tell them he has been on unemployment they say it 's okay to just send in his unemployment award letter and his unemployment payment history. I have done that over and over. My file finally went into underwriting this past month, after getting denied three times, but then it was out of underwriting because they are again telling me they need pay stubs. I sent in his employment history again showing that he has been receiving benefits every week. So now the status on my modification is once again incomplete package. This is getting ridiculous. I have currently been in touch with a lawyer who is going to try to work out a payment plan with the lawyer they have for my foreclosure but I have not heard anything from him about what 's going on. I have about 85 % of the payments that are due and would just like to get something worked out quickly. I have proof of every document I have sent them because I upload them to their website and then I take screen shots showing that they were uploaded. I had one guy one the phone once tell me that documents were n't received and I said I uploaded them the other day and he said, well, we ca n't always see those and I need to fax stuff. I ca n't always fax because with all the resending in of the same stuff that would end up costing me a fortune and we are a XXXX car household so I ca n't always get into town to do it. I have been in touch with H.O.P.E also and that has not helped me at all. The lady told me all she could do is be on the phone with them when I talk to the company, which she was, and they told her I could send this and that in and it would be sufficient, but when I sent it in they said that was n't good enough. So then I sent in other documentation and more documentation. I was hopeful when I saw it went into underwriting but then when it came back out as incomplete I was pretty upset. I have done everything that has been asked of me, over and over and over again. I would really like to get something worked out so that I can stay in my house. If I can get something worked out there would be no problem keeping up with payments in the future but they are n't giving me the chance to try. They have n't been accepting my payments for months and months and I have a lot of money waiting to send to them. They needed proof of occupancy from my boyfriend, which I sent in, and that was not good enough. They needed his unemployment history which I sent in and was not good enough, even though it was the exact documents I was told to send in. I got denied the first time because I did n't sign one paper I sent in. I was not told that I needed to sign my profit/loss statement, so I did not and was denied. So I signed it and sent that in, along with everything else all over again, and they still always had reasons why I was denied or saying they needed more stuff. Over the course of this, I have probably sent them XXXX documents, many of them the same ones, and they still are not happy with what I send them. I am really trying here to get this figured out and they are making it impossible. Since all of the calls are recorded it should be easy to go back and see how much they are giving me the runaround.
Company Response: Closed with explanation
2016-10-27
Wilmington, DE
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Closed with explanation
2016-10-27
NY
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Carrington Mortgage Services, LLC failed to send escrow change information and invoices to me that reflected a payment change due to escrow change in XXXX 2016. They failed to call or make any attempt to contact me from XXXX to XXXX 2016. During that time they took the monthly mortgage payments that I was automatically making and misappropriated the funds, putting the money into holding rather than applying it to the proper accounts. When I received a certified foreclosure notice I immediately called them and initiated an investigation into the issue. My bank has provided proof of all payments being made on time and Carrington Mortgage Services, LLC has given no good explanation as to why they did not attempt contact or why they did not apply funds to the account appropriately. After a month of letters and phone calls they now say that they have corrected the issues and removed the late fees, however they refuse to correct credit reporting information. They maintane that I made late payments in XXXX and XXXX 2016. I have provided proof from my bank that all payments were made on time and in the amount that I had been made aware of. As this issue was solely the result of Carrington Mortgage Services, LLC mishandling my escrow account I have closed the escrow account and removed their ability to change any further payment amounts.
Company Response: Closed with explanation
2016-10-26
Bay Hills, NY
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-10-25
Brooklyn Heights, OH
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-10-25
Staten Island, NY
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-10-24
NH
Settlement process and costs
Mortgage: FHA mortgage
Company Response: Closed with explanation
2016-10-23
Woodbury, PA
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: I GOT A E-MAIL FROM CARRINGTON MORTGAGE SERVICES ON SAT XX/XX/XXXX STATING MY ESCROW ANALYSIS WAS REDY TO VEIW ON THERE WEBSITE AND I LOG AND ITS NO WHERE TO BE FOUND AND THEY NEVER CALLED ME TO LET ME NOW IF MY ESCROW WAS GETTING DOWN BELOW A CERTIAN POINT AND NOW THEY RAISED MY PAYMENTS UP WHEN XXXX HAD MY MORTGAGE THEY CONTACTED ME TO LET ME NOW IF MY ESCROW WAS DOWN BELOW A CERTAIN AMOUNT AND THEN I WOULD SEND YHEM THE DIFFERENCE TO KEEP MY PAYSMENTS DOWN.
Company Response: Closed with explanation
2016-10-22
Una, SC
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Closed with explanation