CARRINGTON MORTGAGE SERVICES, LLC

2016-05-22

Bowling Green, KY

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-21

Bronxville, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Ft Lauderdale, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Itasca, IL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I have an FHA loan. My lender has refused to work with me so that I can save my home. I have a monthly mortgage payment which is XXXX % of my income. I have an XXXX-year-old XXXX living with me who gets XXXX and I have my wife and our XXXX children living with us and our grandson. I have repeatedly tried to work out this situation with the lender. Turning in several modification packets that were denied before the deadline for turning in the packet. Then at the last minute ( 3 weeks before the sale date ) we were sent a modification packet ( XX/XX/XXXX ) that we were suppose to have a 30 day period to turn in. We turned it in on XXXX XXXX, 2016 before the 30-day period was over and then called and found out that they denied us and said we were too late getting it in. My house is scheduled to be foreclosed on XXXX XXXX, 2016. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Birmingham, AL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Deerfield Beach, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Detroit, MI

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: LOAN NUMBER XXXX - XXXX XXXX XXXX ON XXXX XXXX, XXXX MY LOAN WAS PURCHASED BY CARRINGTON MORTGAGE IN XXXX. FOR THE FIRST 90 DAYS OF MY LOAN, CARRINGTON COULD NOT PROVIDE ME WITH A LOAN NUMBER OR A MEANS BY WHICH TO MAKE MY PAYMENT. WHEN I WAS ABLE TO MAKE A PAYMENT IN THE FOURTH MONTH, CARRINGTON INITIATEED FORCLOSURE PROCEEDINGS AGAINST ME. I WAS ADVISED ON NUMBEROUS OCCASIONS THAT FOR THE FIRST 60 DAYS THERE WOULD BE NO REPORTS MADE TO MY CREDIT BASED ON THE FAILINGS AND SHORTCOMINGS OF CARRINGTON AND THE INABILITY OF THEIR SYSTEM TO RECOGNIZE ME AS A CUSTOMER AND THEIR INABILITY TO PROVICE ME WITH A LOAN NUMBER. I BELIEVE THIS IS A FORM OF PREDATORY LENDING FOR THE FOLLOWING REASONS : 1. A REPORT WAS MADE TO THE CREDIT REPORTING AGENCY AFTER I WAS TOLD THAT THERE WOULD BE NO REPORT MADE FOR THE FIRST SIXTY DAYS. 2. THE INTEREST RATE IS MUCH HIGHER THAN A TRADITIONAL FHA INTEREST RATE AT 6.5 % ON A XXXX LOAN ABOUNT 3. I AM NOT UNABLE TO REFINANCE THE LOAN BECAUSE OF THE " REFER TO FORECLOSURE '' THAT CARRINGTON HAS PLACED ON MY CREDIT ACCOUNT 4. I NEVER MADE ANY LATE PAYMENTS ON MY ORIGINAL LOAN WITH XXXX MORTGAGE 5. I AM FORCED TO STAY WITH CARRINGTON ( BECAUSE OF THE NEGATIVE CREDIT REPORTING ) EVEN THOUGH THEY FAIL TO SERVICE MY NEEDS AS A CUSTOMER 6. EACH MONTH CARRINGTON 'S WEBSITE REJECTS MY PAYMENT FOR XXXX REASON OR ANOTHER 7. THE VALUE OF MY HOUSE IS MUCH GREATER THAN WHEN I ORIGINALLY PURCHASED IT CARRINGTON IS USING THE METHODOLOGY KNOWN AS PACKING BY PURCHASING SMALL LOANS FROM LARGE BANKS WITHOUT THE BORROWERS KNOWLEDGE AND ATTACHING LARGE INTEREST RATES TO THE LOANS. BY THE TIME THE BORROWER REALIZES WHAT HAS HAPPENED, EXCESSIVE LEGAL FEES ARE ATTACHED TO THE MORTGAGE CAUSING THE BORROWER TO DEFAULT OR FORECLOSE ON THE MORTGAGE. THE PROPERTY IS THEN TAKEN BY CARRINIGTON. PACKING AND ASSIGNING EXCESSIVE FEES ARE XXXX COMMON PREDATORY LENDING PRACTICES
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I was with XXXX XXXX XXXX for 8 years and they sold me to Carrington Motrgage. I have requested a modification due to unemployement and turned in the package as of XXXX/XXXX/2016 with new income from employment. It has been more than 37 days and have not received a call for a work out or anything. They mailed me a letter yestersday stating that they still need more documentation after they have said they have everything? They are needing proof of occupancy from us? They have are address on the bank statements and other paperwork? They are also requesting that we show earnings? We have that listed on the profit & loss that we submitted with the package XXXX days ago and they said it was fine? On the other hand, XXXX XXXX XXXX started this whole thing when they denied me for a modification after I showed them 30 days of check stubs for new employment and sold me to this bank that is known for being unfair with the XXXX Consumer. They sold the mortgage in XXXX of 2016 to Carrington and they have delayed the process of the home retention program.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Warrenton, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Today is XXXX XXXX, XXXX. This property foreclosed in XXXX XXXX but the bank has not sold the unit and is not paying dues to the XXXX XXXX {$580.00} due ) or XXXX XXXX XXXX {$2300.00} due ). They also damaged Association property during the transition to take possession of the property. The estimated cost of damage is {$1900.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-16

Albion, NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-16

Houston, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-16

New Britain, CT

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: On XXXX XXXX XXXX I begin My Modification process with my servicer Carrington Mortgage, after I send the Modification packet the send missing items letter I send the items then the asks for my wife proof of occupancy and letter from my wife then they request proof of occupancy again I send tax returns then they send another missing items letter requesting proof of occupancy this time copy of her driver license, copy of her bank statements and copy of CT vehicle tax bill now today XXXX/XXXX/XXXX 7 months later they send they call me and tell me they need more proof of occupancy. I am sick with XXXX and this situation is getting me more sick I do n't want to loose my house and I need help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-14

Chula Vista, CA

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: I have been trying to get Carrington Mortgage to resume Reporting to the credit bureaus the mortgage payments after my Chapter XXXX Bankruptcy for quite some time with no success. I have already provided the signed letter and borrower authorization within the same letter to permit Carrington Mortgage to resume reporting to the credit bureaus by my attorney. Numerous attempts have been made to get someone on the phone who can help me in this urgent matter in a timely fashion. To my surprise no progress has been made just empty promises.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-14

Clarksville, MO

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: Date : XXXX/XXXX/2016 To : Consumer Financial Protection Bureau Summary - Approximately XXXX months ago, my ex-wife, who had been ordered to pay me {$2500.00} per month in maintenance support intentionally got herself fired from a very lucrative position with her prior employer, with an annual salary of over {$350000.00}, so my monthly maintenance support was reduced to {$500.00}. Over the course of the 3+ years she was dragging me through the courts, I was compelled to spend over {$150000.00} in legal fees, depleting my financial assets. My prior credit history has always been impeccable, but my current financial situation has been reduced to a point where I can no longer maintain most of my monthly obligations. I contacted Carrington mortgage ( my mortgage servicer ) to see if anything could be done to save my home. They were very vague, uncooperative, and rude. This has gone on for a few months and now I may be forced to consider Bankruptcy due to Carrington 's total lack of any type of dialog. Upon discussing this situation with my son, he stepped forward and offered to assume the mortgage. I contacted Carrington once again and explained the situation to them, and the stall tactics continued. Eventually I faxed them a permission document and password to deal with my son in the assumption process of the loan ; a copy of the faxed document available. At that point I reduced my involvement in the assumption process. From that point on, my son did everything possible to remedy the situation and get an understanding as to what he needed to do to assume my mortgage. Carrington was still unhelpful, in that, one representative hung-up on my son and was treated very disrespectfully and offered no cooperation from other Carrington staff. He was switched from one person to another and told to call this person, and then that one. At one point he was told he required a " password '' to which he replied that his father had already taken care of that issue, but was told that they had not received any faxed documentation from me. Not only did I verify that I had the correct fax number, but also 'confirmation ' of the transmittal. To summarize, my son is offering to assume my mortgage and I would live there rent free, especially with all of my medical expenses. I 'm asking for your assistance in this matter, and in the meantime I 'll continue to fight XXXX XXXX ( something I was recently diagnosed with ) from my home and not some 'shack ', which is where I 'll end up since my social security income is {$1900.00} per month and the miniscule maintenance support my ex-wife pays me, which is below the amount the court has ordered and in violation of the court settlement. There appears to be a solution to many issues and I do n't know why Carrington is being totally uncooperative. However, it became apparent very quickly that Carrington 's goal was to intimidate me into paying the monthly mortgage payment NOT to work out any type of reasonable solution. I can provide more details and proof upon your request. Thanking you in advance, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-13

Dania, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-13

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: XXXX XXXX XXXX using XXXX speed pay I incorrectly submitted an incorrect bank acct # in processing payment, which resulted in a 30 day derogatory to the XXXX reporting Credit Bureau by my Mtge server. I contacted them explaining what happened and requested a one time courtesy reversal .I was in process of refinancing loan and that because of negative report it made me ineligible to qualify They have refused to grant me. I have made my payments on time since XXXX/XXXX/XXXX to present.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Costa Mesa, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

East Brooklyn, CT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Mooresville, IN

Settlement process and costs

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Orange, TX

Application, originator, mortgage broker

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

WV

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I 'm in hardship I had to take leave from my work to take care of my XXXX father. I filled out all the paperwork to try and get some help when I got behind on my payments. They did n't want to work with me and denied me. The sent me a certified letter to pay XXXX by a certain date with a cashiers check and overnight it to an address. So I got everything ready and than I talked to them thank god because they gave me the wrong address on my certified letter. They said that was there old address. So if I would have overnights XXXX to them they would n't have received it and my house would be foreclosed. They do n't offer anyway of catching up. I have friends with there mortgage they have help and they work with them so they wo n't lose there house.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Las Vegas, NV

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Urbandale, IA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My FHA Mortgage servicer, Carrington Mortgage Services, is refusing to review my complete application for the Making Home Affordable Programs siting false giudlines that I can not apply for a review without estranged ex-wife 's income. They have advised the only way to get a modification review would be to fraudulently inflate my affordability by including her income on my application for this federal program. I have sought out the assistance of a third party and we have made multiple attempts to escalate the request within the line of business. However ; my servicer continues to direct me away from applying for HAMP instead directing me toward the unattainable reinstatement or assumption processes. I have had a document-able, short term, hardship and now have the ability to make mortgage payments. I also have the desire and commitment to maintain my home-ownership. The staff has been rude, uninformed, overbearing, condescending and confrontational. Due to the level of service I 'm becoming increasingly convinced this is a predatory tactic to foreclose on my home.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-10

TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-09

Five Points, NC

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My wife and I fail behind on our mortage payments, we asked for a modification on our loan and have been going no where every since. They 've been saying this paper wasn, t complete or this was n't submitted on time, just as if at was a complete run around. So we have been rejected on so many a times we turned to a third party agency to help us move the process along, thinking that the agency had more experience then us they could move thing a long at the very lest show us what we where doing wrong. After putting together a new package to submit on our behalf the professionals were rejected saying paper work was not in on time after two to three days, not stating it should be in the next day.
Company Response: Closed with explanation

Disputed: No Timely Response