CARRINGTON MORTGAGE SERVICES, LLC

2016-09-22

WA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: We received a payoff that had an amount good through XXXX XXXX, 2016. The full amount of funds were wired to Carrington Mortgage CA XXXX. Their company did n't upload the correct amount of funds-they uploaded a smaller amount and rejected the payoff. When title and I called they could n't give us an amount and kept saying it was in foreclosure. I was referred to a lady XXXX, their attorney, who stated it was not in foreclosure and no additional fees had been assessed. Carrington Mortgage has added an additional {$800.00} in fees they ca n't explain to me what they are for. They will not release the house or take the funds unless we pay this amout. The home was never filed to be in foreclosure. They are also now charging us additional days that they returned the money for but they never even uploaded the correct amount on XXXX XXXX. Today is now the XXXX and they are still charging us because they wo n't accept the funds. Title sent them the exact amount on this payoff Carrington Mortgage provided ... giving the balance through XXXX XXXX but to add {$26.00} per day until the XXXX. As I stated the funds were wired XXXX XXXX in the amount of {$200000.00}. Carrington Mortgage only uploaded {$200000.00} Then stated it was n't enough to payoff and returned all funds. The loan is still accustoming interest as I type this though we sent balance in full almost a week ago that they refused.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Aptos, CA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Locust Grove, GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have purchased an house since XXXX, in other for my family can have a roof on their head. And the kids would have a safe place to stay after school and do their homework as well as my wife would feel less stress after work. Unfortunately, we have been struggling paying our mortgage on time or not be able to keep with the regular payments. Due to slowing economy or jobs situation and the worst of it, was the high interest rates. I have requested a loan modification where the payments would be lower where we can be able to afford the payments, but lender refused and sped up with the foreclosure process on my house. According to the legal papers from their attorney the house has been foreclosed last month XXXX XXXX, XXXX. But, until now my family is still living the house. We have n't received an Eviction letter or the XXXX not kicking us out yet. I am writing you, to intercede for my family not let eviction happens until the lender reverses the foreclosure sale and give me a loan modification under the XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: URGENT URGENT SALE DATE WRONGFUL AUCTION OF HOME XXXX/XXXX/16 - Just found out today! We received an FHA-HAMP modification as of XXXX 2016. Today, XXXX/XXXX/16 someone came to our door and said that there is an auction for tomorrow. I checked the XXXX and there I found my house to be auctioned on XXXX at XXXX!! This is plain torture! For more than 6 years I have been waiting for a modification, while accruing over $ XXXX due to the fact that I had to wait for the review for over 6 years! I began to request assistance even before I was late. I believe that it has been both XXXX and Carrington Mortgage 's delay and they should do a principal reduction as a result. And now, they want to foreclose and sell my home at auction while I am in a FHA-HAMP Trial Modification! This is preposterous! I need your assistance so that I do not lose my family home. The stress has been insurmountable. PLEASE HELP!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

Burlingame, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

WA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: We have been in regular contact with our lender on a rental home we were in the process of selling. The original buyer defaulted so it did n't close in XXXX as planned. I maintained close contact. We had another buyer set to close on the XXXX XXXX Carrington Mortgage told me on several occasions we were okay and they would let us know if foreclosure proceedings began ... .it was n't in foreclosure. The FULL payment was wired Friday XXXX XXXX. They rejected it Monday, the XXXX, saying it went into foreclosure on the XXXX. Now they say it takes 48 hours before we can get another payoff amount and they wo n't accept the funds. Buyer is in the home. As I stated ... .they are being paid in full. We were to get about XXXX and apparently they seem to want that to. How can they do this after providing a payoff amount? We had absolutely no idea ... the second lady at Carrington said it was n't actually in foreclosure just foreclosure status ... .so they want attorney fees now. Though it was forwarded such a short time ago the ca n't even give an amount because whomever this supposed attorney has n't done anything .... We still have n't heard from anyone or been given any documentation stating the home went into foreclosure ... ..just a payoff that gave figures that could be used until the XXXX. Which now Carrington is trying to say the payoff expired even though it said here is the amount and add this much per day until XXXX XXXX, etc .... for payoff. Escrow wired the full amount Carrington Mortgage said good through XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

Tucson, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I submitted a full package to my lender in hopes for assistance in keeping my home. I was informed that there was not enough time to review my file as they required 37 days. The documents were submitted on XXXX XXXX, 2016 and my foreclosure sale is on XXXX XXXX, 2016. Accordingly to homeowner bill of rights I have the right and options to avoid foreclosure yet I feel it is not being provided to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

Baltimore, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

Cypress, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-19

Detroit, MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-18

Bethlehem, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Carrington Mortgage brought our Mortgage from XXXX XXXX XXXX. They took procession of the loan on XXXX XXXX 2016. At the time they took over the loan we were paid up to date. ( NO missing or late payments ). Carrington started off saying we owned the XXXX payment. We 've called, faxed, sent certified letters showing we made the payment, but yet, they insist we are behind. We sent them the statement we received on XXXX XXXX from XXXX showing we were current ( NOT missing a payment ). Anyway, Carrington insist we are now behind over {$5000.00} because for some reason they hold checks and cash checks WITHOUT applying the funds to the mortgage. Calling and talking to them is like talking to a brick wall. No one keeps records of anything!!!!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-16

MS

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Complaint: Carrington Mortgage has reported that I was late both one month and two months on a Mortgage XXXX XXXX. The home was sold during the month of XXXX XXXX before the end of the month. We closed on the house XXXX XXXX, and the loan was paid off before the XXXX of the month. Carrington Mortgage knew that the loan was closing and provided the closing amount. We were asked not to pay on the loan in XXXX because the documents had been created for closing. I have attempted two times to have them remove this error from my report and they have refused. It was last reported late XXXX XXXX, XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: On XXXX/XXXX/2013 a district court Judge ruled in my favor, XXXX XXXX XXXX XXXX, for my house to be given back to me because Wells Fargo trustee for XXXX mortgage services had no legal standing in illegally for losing on my home, n also, I never signed for my home to be refinanced. I was a victim of identity theft, the documents were all proven to be forged. And neither XXXX mortgage attorney in fact for XXXX XXXX XXXX. Had no legal standing. I deeded my home to a family member. I just recently learned per my family member, the home I gave to her in which the deed was registered n certified with the deeds office, was stolen from her without her knowledge without knoticefication. I learned that Wells Fargo trustee for XXXX mortgage servicing, deceitfully and illegally stole the property and sold it to an unauthorized trespasser through a realtor using a very crooked forecloure attorney firm in MI. They never returned my escrows, or monies they illegally took from payments on this fraudulent mortgage. I am bringing this matter to your attention as I am requesting actions be taken immediately monies returned property returned along with punitive damage as soon as possible. All of this was done without knowledge without notifying by use of fake, forged, n fraudulent documents to the court. This can not go on. The person that living in the home is illegally trespassing, and Wells Fargo, XXXX mortgage illegally trespassed into a property that was not theirs.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Okc, OK

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: I closed on my mortgage with Carrington Mortgage on XXXX/XXXX/XXXX @ 6 % first time buyers and in XXXX XXXX we were contacted by Carrington for a [email protected] % which of course we was glad to do be cause it was a lower rate. We closed on that in XXXX XXXX, in XXXX XXXX we received a tax bill in the amount {$3000.00} for XX/XX/XXXX which I forwarded to Carrington to be paid because it was my understanding that since they paid all my closing cost on both loans they had the sellers tax escrow from XXXX XXXX XXXX XXXX of {$2000.00} according to paperwork from title company ( XXXX XXXX XXXX XXXX, Ok ). According to Carrington tax dept. when the tax bill was paid it put my escrow in the negative {$4000.00} based off an escrow analysis dated XXXX/XXXX/XXXX. On my original loan my payment was XXXX approximately {$440.00} was escrow that was for XX/XX/XXXX -XX/XX/XXXX. Then after the Refi on XXXX XXXX, the payment was {$1400.00}, {$190.00} for escrow. The escrow did n't include taxes because I am a XXXX Vet and in Oklahoma I pay no property tax which took effect on XXXX XXXX XXXX. On XXXX XXXX my adjusted payment was XXXX ( + {$630.00} ). With all this going on I did a refi with another institution and when they sent over the payoff with an Escrow impound shortage of {$2400.00}. I feel there is some unexplained issues of $ XXXX-XXXX that I could never get straight answers to.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Northside, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Wann, OK

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Lathrup Village, MI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Bartlett, TN

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage is with Carrington Mortgage, I 've requested a mortgage modification several times. My rate is keeps going up and my taxes and insurance is n't escrowed. I do n't want lose my home to foreclosure, but Carrington Mortgage refuses to modify my mortgage. I would appreciate your assistance in this urgent matter. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Wann, OK

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Castle Rock, CO

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: XXXX was my previous mortgage lender for approximately 9 years plus. Carrington Mortgage bought my loan in XXXX XXXX. Within 3 months of my loan, my escrow amount changed. I did not know my payment amount had changed. I paid the regular amount I pay. Then in XXXX XXXX, I was threaten to foreclose on my house. I could not understand why. I checked my bank and my check had been cash on XXXX/XXXX/XXXX for my XXXX payment. They allegated that it was not a full payment and it had never been applied to my account. In XXXX XXXX I paid my payment online and there website told me it had sucessfully been submitted. See attached copy for both payments. In XXXX XXXX I got another letter threatening a foreclosure again. When I called them they said I had made an error entering my account number. If this was the case why did their website give me deceiving information. In XXXX I decided I was refinancing and to my surprise they had reported to credit bureau ( XXXX ) 30 day notices. This ruined my credit and I was unable to refinance. In XXXX XXXX, XXXX I send them attached complaint requesting a written response and they never did. The confirmation for fax transmittal is also attached. When I received my XXXX XXXX statement it was not reflecting my XXXX XXXX payment. So when I called them I told them that my funds were debited from my bank. They asked me to fax a front and back copy of cancelled check. When I went to my bank they could not provide copy because Carrington had cashed electronically. When I called Carrington back they said to send them my Bank Statement. I said no that I would provide something from the bank. I was told by there Customer Service Department that it would take 15 to 20 days to resolve my issue. I became desperate and decided to find an advocate for Carrington. It was a coincidence that as soon as contacted them they mentioned they had found my payment. I believe they are doing all this to continue to ruin my credit so I can not refinance. Please see attached email. I have filed a complaint with all credit bureaus and Carrington to remove this errornous information on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Cherry Brook, MA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Bueche, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Two years ago my mortgage XXXX XXXX XXXX sold my mortgage to Carrington Mortgage. I 've been having trouble paying my mortgage due to decrease in income. However, due to the type of loan I have ( FDA ) a modification was denied by XXXX twice. Noting XX/XX/XXXX when I paid my mortgage, my payment was slip into two payments. As if I was paying particle payment and not paying late fees. This went on until I notice at the in of XXXX XXXX. Th amount that was requested from Carrington Mortgage was in an excess of over XXXX dollars. I then in inquired and was told I had been making particle payments. and particle payment was not accepted on late mortgage. This puzzled me. I payed the amount that was request by the Carrington and according to my bank draft I never authorize more than one payment per month to Carrington. This went on until XX/XX/XXXX, I had an excess that I paid because Carrington requested it. Every time I would try to clear a bill to bring my mortgage current I would hear the same reply " We do not accept particle payment, and in order for us to apply the excess you mortgage needs to be current ''. By now my excess is over XXXX dollars which would certainly ease of my monthly note. Carrington sends me a letter if I 'm 31 days late with intention to foreclose. XXXX XXXX I received a message from Carrington left on a contact number. The voice mail included my property address, my name, the reason for the call. The agent specifically stated that was going to foreclose on my home. This message was retrieved by someone else and I contacted Carrington and informed them that I am 30 days late and they ca n't start foreclosure on me according to Louisiana 's law. I was affected by the flood. I live in XXXX, Louisiana. No doubt the area flooded, President Obama gave a press conference from XXXX, Louisiana. XX/XX/XXXX I received several calls from Carrington Mortgage asking if my home was damage in the flood. Due to prior history I displayed distrust and did not answer the question and told them I would contact them at a later date after I research should I disclose this information. On XXXX XXXX, after research I called them and asked what assistance I would qualify for? I was told that they had removed the flag because I stated that my home was not damage. I told them I had our conversation recorded and I never stated my home was not damage. I was then ask how much did the insurance cover. I replied I did not have insurance. I was placed on a long hold. Then the agent returned and instructed me to go online and download a package and she had to request the flag to replace on my file. I then asked for the package to be mailed to me. I also asked what assistance is Carrington providing, a hold on mortgage for several months? Or Maybe hold on mortgage for several months with payment due at end of month? I was told non of these questions could be answered. However, today is XXXX XXXX, XXXX and a get call from Carrington about late mortgage for XX/XX/XXXX. I would like someone to give me option as related to disaster mortgage relief. Not just fill out a package. Everyone else that was affected I have conversated with, mortgage company gave them options up front and was transparent with their lenders. I continue to struggle with a company that I feel is trying to foreclose on me everyday. Also do so prematurely.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Phoenix, AZ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: We submitted a loan modification request to Carrington Mortgage in XXXX. They sent a letter stating that they did not receive all of the documentation that they needed for the modification along with a list of missing documents. We sent the requested documents by email and uploaded them to the bank 's loan modification web page. I just received a letter today stating that we failed to give them the documentation that they requested in the time frame they requested it in. The time frame has not yet expired and the documents still are showing on their web site. In addition, we spoke to a member of their call center to confirm that they received the documents two weeks ago and they confirmed that over the phone. It is our contention that Carrington is not acting in good faith in this matter and is in violation of the Federal Rules governing this process as well as potentially committing fraud in an effort to steal our home. I have been out of work for six months and trying to get this taken care of. Their statements have always been that they want to help but it appears now that all they want to do is help themselves to our home.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

TX

Settlement process and costs

Mortgage: VA mortgage

Complaint: Carrington Mortgage processed my home loan in a illegal and unethical way. Which has resulted to XXXX of dollars lost, loss of time to formulate a resolution, this negligence has caused an XXXX veteran and their family members to suffer homelessness, XXXX, financial loss. False allegations have been made resulting in defamation of character. Many parties and individuals involved have suffered defamation of ethical capability to perform with in their professional ability that provides for their income and future career standing. Physians have been notified and have documented these truths in efforts to assist the victims and provide adequate guidance to recovery.
Company Response: Closed with explanation

Disputed: No Timely Response