CARRINGTON MORTGAGE SERVICES, LLC

2016-08-30

Fairfield, OH

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Shoals, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was just sold from XXXX XXXX XXXX to a unfavorable mortgage called carrington effective XXXX XXXX I have n't received anything from this company, I 'm scared to death about having to deal with company because of the many complaints, what can I do
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Stilesville, IN

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Ind Hbr Bch, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

PA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Our mortgage was sold from XXXX to Carrington Mortgage Services as of XXXX XXXX 2016. I will make bullet points so all the issues are easy to establish as there are a lot. - I called Carrington XX/XX/XXXX based on # given on letter of transfer from XXXX. I wanted to be able to start making payments immediately since we have had problems. Was told to wait to get their welcome letter with new # account and then I could start to send payments. - Received the letter dated XXXX XXXX on XXXX XXXX. It was very standard with only info on our account being our names and total amount of our loan but did have an address and stated nothing else would change regarding our loan. I sent a payment. - On XX/XX/XXXX in the morning I received a call from a woman from a # in Texas saying that she was from Carrington saying my check had been returned and they would not accept payments from me unless it was a different form of payment ( money order, cashier 's check ) because of the past due amount. I was in shock and said I did believe the check had already been cashed. Called this # back later in the day when my children were not with me as thus was very upsetting. When I asked why I did not receive any other info on this in the mail and still disagreed about the check being returned Was told to calm down and that the check was returned with information on XXXX XXXX. This was not true. Double checked later that evening and the check was indeed cashed. She had also stated that if I let it go further on I would have attorney fees. - Called the Carrington # on the letter next day and asked for a supervisor. XXXX XXXX XXXX told me there was a lock on my account and all payments past had to be made together. Said how much he wanted to assist me but his computer system was down ( was on phone for very long time ) and could not answer any of my questions. Gave me his office # and told me he would call me by end of day and really wanted to help since I was so upset. He did n't. Over the next couple of days I left him several messages imploring for help and some answers on dates I needed to pay by and other information. - Spoke to a few more Carrington employees over the next few business days. One female rep told did n't seem to have a record of me talking to others about anything but told me she could note that I would make payments every 2 weeks through XXXX but did n't think they would take them but maybe since I just came from BofA. She was very nasty and also informed me that I have had 60 days to fix this. Not true. - Because so stressed about this, family offered to help and I could pay them back later in XXXX so I had the Past 3 months ready. I called Carrington again to see how to send this payment. Spoke to a CJ ( told me could n't give last name ). Knew who XXXX XXXX was and did n't know why he did n't call me back. Informed me the 1st person should not have called me all since of a past discharge and he would " talk to her ''. Funny he did n't ask for the # she called from. Told me XXXX payment had to be included not just past amount and they would love to take my payment but this was a HUD rule .... HUD??? Our loan is VA. Asked why I did n't consider a loan mod. Asked had he been listening to me at all? Nothing was sent to me accept welcome letter. At this time- what equals 4 monthly mortgage payments including XXXX has been sent 2 day, via Cashier 's check. Tracked that it was received this afternoon XX/XX/XXXX. I plan to send XX/XX/XXXX payment on XX/XX/XXXX but am absolutely terrified of this company and fear they will string this out even though I complied in less than a week with what they asked despite terrible treatment, misinformation, lack of information. I have barely slept in days and been very upset. I understand needing to collect a debt but this was absurd and Never how XXXX approached us Ever.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

City Ranch, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Tupelo, MS

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Ehrhardt, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Staten Island, NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Nyc, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Troy, OH

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: I was working with a licensed broker named XXXX XXXX at Carrington Home Mortgage, who absolutely did nothing to help get a loan approved for a home. They pulled my credit using a 3rd party service called XXXX XXXX. They informed that based off the scores they received they would not be able to help me because i was below a XXXX FICO score. However XXXX XXXX pulled my credit on XX/XX/XXXX and presented me in writing a FICO of XXXX and on XX/XX/XXXX XXXX XXXX provided me a credit score from XXXX of XXXX. I had documentation that needed to be forwarded to all XXXX credit bureaus that show where i have satisfied some judgements and tax lien so that they can reflect properly. I faxed those to XXXX XXXX on XX/XX/XXXX and of course on XXXX/XXXX/16 they still were not faxed. This is not acceptable. If she was a good broker, then she would be working diligently and extra harder to help get financed. I also am disputing the credit scores that they obtained from a 3rd party, they are not correct and need to be investigated, since XXXX 2016 any letter of credit denial or current credit all have sent me in writing scores above a XXXX. They are not willing to work with me with the scores that other creditors are producing. I am bringing this matter forth to the Federal Housing Authority to determine whether or not discrimination is playing a role in such decision. Of course, on XXXX/XXXX/16 i got a biased response from XXXX XXXX, XXXX, basically advising im in the wrong and his company is in the right by following all laws and guidelines. This is not a reputable organization and needs to have a site audit performed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Durham, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: As a borrower my loan was first with XXXX XXXX XXXX and I was approved for a Forbearance XXXX/XXXX/XXXX and the loan was transferred to Carrington on XXXX/XXXX/XXXX. Borrower made 2 payments and Carrington would not accept any payments after, lender had requested full payment ofXXXXXXXX. A Quit Claim Deed was submitted on behalf of ex-spouse XXXX. Lender then stated that a new law in XXXX was drafted that the Quit Claim Deed would not be sufficient enough is that a law for all states or the state of CA As a housing counselor I felt that information was not represented to me as the Third Party on behalf of the borrower. A loan modification application was submitted and on a complete package was received. A second modification was submitted on XXXX/XXXX/XXXX, complete package received XXXX, and XXXX/XXXX/XXXX file was submitted to under writer for review. XXXX/XXXX/XXXX it was stated that the borrower was denied due to debt to income at 40.77 % including the partial FHA claim. The representative at Carrington stated that the income used on the XXXX modification was {$2800.00} but on XXXX/XXXX/XXXX {$2100.00} income was calculated. The borrower had an increase of pay that should have been calculated on the XXXX loan modification. I called Carrington and spoke with a representative on XXXX/XXXX/XXXX who stated that the borrower had excessive forbearance. I immediately did a return call to Carrington for additional update on the numbers that was used for the waterfall to determine the denial. The representative stated that he could not give ne the numbers used because I had already call and the decision had been made. I then proceeded to ask to speak with management and was told that I would need to submit a formal dispute if there was additional findings and that management would not talk with me. I called back to Carrington on XXXX and wanted some more information on the denial the representative stated that because the home retention was located in CA and they were not in and I need to call back at XXXX eastern standard time. He could not give me any information because he was not licensed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I have already filed a complaint against Carrington Mortgage. They verbally told me on the phone when I spoke with a representative that there was an issue with the title on my property XXXX XXXX XXXX XXXX XXXX GA XXXX and that once the title issue was resolved they would let me do a deed in lieu. Today when I called they informed me that they were selling my property to yet another bank and I would have to begin the foreclosure process all over again. This house has not been paid on in over 4 years and has been vacant over 4 years as well. I had to file bankruptcy to stop this property from continuing to hurt my credit however it is still showing me as the owner on XXXX and therefore I am not allowed to ever purchase another home for my family and rebuild my credit. Carrington Mortgage also stated they had someone come out and secure the property, I can gladly provide documentation that this property is not secure. People are stealing copper wiring and taring away the permanent foundation underneath and are going into the property and doing illegal drugs according to the officer I called out the the property. The officer stated that they have asked the bank/Carrington Mortgage to board the property up and they fail to comply. This is a huge safety hazard. I do not understand what it is going to take to get this property out of my name. I want to do a deed in lieu as agreed upon and yet here they are shuffling me off to yet another mortgage company instead of holding up to our verbal agreement. They stated the would contact HUD to get this to stop reporting to cavirs but when I contacted HUD they said they were not contacted and it is still reporting. Is there anything legally I can do? This seems unfair to me to never be able to buy another home because they are not foreclosing on this one after 4 years nor allowing me to do the Deed in Lieu as they agreed to. As mentioned I can gladly get pictures of this property they claim is secure and show it is in fact not, it is a dangerous hazard to the community.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Clarksville, MO

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: We inquired about loss mitigation options for our mortgage. We were sent a packet of information/forms to complete. We submitted the required documents on XXXX/XXXX/16. We received a letter requesting add'l docs that were sent on XXXX/XXXX/16. We have not once heard from anyone at Carrington via phone or email. All of our attempts to reach our SPOC listed on a letter received, have not been responded to. We have not received any communication regarding add'l information need nor have we received any communication that a decision had been made.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Clermont, FL

Credit decision / Underwriting

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Plymouth, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Wilmington, DE

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Kailua, HI

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Taft, OH

Communication tactics

Debt collection: Mortgage

Called after sent written cease of comm
Complaint: They called to inquire about our late payment. I explained that we had moved recently and that I was starting a new job and would n't receive my first paycheck until XXXX/XXXX/16. They proceeded, and continue, to call multiple times a day several times a week. I kept telling them the same thing each time they called. Finally, XXXX XXXX cam and I made an electronic payment, as promised, and it cleared my bank on XXXX. Apparently, it has not cleared their bank. They called me again yesterday and today. Calling and harassing me is n't going to make their bank accept my payment any faster.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Kalaeloa, HI

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Rocky Ridge, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My mortgage from XXXX XXXX XXXX was sold on XXXX XXXX 2016 to Carrington Mortgage. When my mortgage was sold I was 2.5 months past due. I 'm still within the 60 day window of being released from XXXX, so I 've continued to mail my payments to them. I 'm current with my mortgage and have been since XXXX submitted my last payment of {$280.00} ( direct bill pay ) to Carrington on XXXX XXXX 2016. Once your mortgage is sold you still submit everything to your previous mortgage company within the first 60 days. When I called on XXXX XXXX 2016 Carrington, told me to not mail anything to them until notified or to XXXX XXXX XXXX because they 'll ( XXXX ) just return it to me and then I 'll have to send it to them ( Carrington ). That was incorrect information and will give Carrington the opportunity to attach late fees and make my loan in default. I have continued to make payments to my original mortgage company and legally they have 60 days to release everything. Every check that I 've sent to XXXX they 've forwarded to Carrington with the date they received it. XXXX has done everything correctly. However, Carrington has continuously mailed me notices of Intent to Foreclose and put a notice on my door yesterday XXXX XXXX 2016. I have all of my cleared checks and statements from XXXX. Duly, I have all of the notices of Intent to Foreclose from Carrington which is a violation of Federal Law since I 'm still within the 60 day window of being sold from XXXX XXXX XXXX and I am current with my mortgage. Carrington has harassed me and my family with daily phone calls and notices being sent every other day. Their practice is illegal and unjust. The bottom line is that it 's still within 60 days of being sold ( today being day 46 ) and I am current. Something needs to be done to stop this company from it 's illegal, harassing practices. The notices of intent to foreclose was done in retaliation of me contacting the XXXX on XXXX XXXX 2016. Carrington sent me a XXXX page document explaining their position once I contacted the XXXX. They have not updated their information and continue to harass me and my family.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Aurora, CO

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Calumet City, IL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Kissimmee, FL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

AZ

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: When I currently have a house loan thru Carrington Home Mortgage and for the past year it has been a constant battle with this Mortgage company from not applying my payments correct to flagging my account as a bankruptcy ( which I have never have filed ). I recently decide too go ahead and refinance by house loan thru another company which is offering a better interest rate. Carrington has been roadblocking in which way possible for me on to access the information on line to provide to the new mortgage company. I have made several attempts and spoke to over XXXX supervisors at Carrington promising that this bankruptcy issue would be removed and the statements would be recreated and sent to me and as of today XXXX/XXXX/2016, it have been over a month, and not received the information that I need to proceed with my new loan. I am XXXX and XXXX man this issue is causing health issue because of the stress. I need you help to help me with th abuse this company is placing on me.
Company Response: Closed with explanation

Disputed: No Timely Response