CARRINGTON MORTGAGE SERVICES, LLC

2016-01-03

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have been with Carrington Mortgage for quite some time and I always paid online via XXXX XXXX ( that is the only way to pay ). In XXXX of 2015 I made the payment and it did not go through and I found out via USPS which took about 5 days. I attempted to call and I held for over 50 minutes, and tried again on XXXX separate occasions to no avail. They do not have e-mail so I immediately got a check out in the mail for this was the only way I could make a payment and in it I wrote a letter to let them know that they were having difficulties with XXXX XXXX and this was an honest mistake. In XXXX of 2015, I again attempted to make a payment via XXXX XXXX followed with another phone call 2 days later and was told it went across ( never was there an error from XXXX XXXX transaction ). I now have a blemish on my credit score after sending them XXXX letters ( there is no other way to contact them ). I am attempting to get another loan with another company with a lower interest rate that is accessible. With this issue on my report I can not go foreword and am having great difficulty talking to them!!! Please help me with this frustrating situation for I have been dealing with this for months!!! This was not my fault, I am a widower, XXXX that works full time and am diligent on paying my bills. I need to get this off my report to get a lower interest rate so I can start planning on my retirement. Kind Regards, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

ME

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: On or around XX/XX/2015, I was notified by mail that XXXX XXXX XXXX was selling my mortgage to Carrington Mortgage Services ( CMS ). Since XX/XX/2015 I have been UNABLE TO MAKE ANY ADDITIONAL PRINCIPAL PAYMENTS TO THIS ACCOUNT. The prior history shows that I have always paid {$800.00} per month for a monthly loan payment of {$760.00}. It may not seem like much but {$36.00} extra each month adds up over the life of a mortgage. I have contacted Carrington numerous times with NO RESOLUTION. I pay on time, each month. I do n't think this is legal. When my loan originated, there was a no prepay clause. They assumed the loan, they should be required to HONOR the terms, just as I am expected to pay according to the terms.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Mountain View, HI

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Mount Pleasant, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

West Brandywine, PA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

SC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-28

Newnan, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I used to have XXXX as my mortgage. Then my account was sold to Carrington mortgage company XXXX this year. I used to have XXXX bank account from which XXXX drafted my mortgage payment every month. Carrington drafted the mortgage money in XXXX from the XXXX account. However, I close the XXXX account because I do not need another bank account. Then I sent the check to the Carrington in XXXX which was accepted. Next month, I send the check amount of {$1100.00} on XXXX/XXXX/15 which is returned. The reason was I closed the XXXX account. They demand to send certified check, which I did. They accepted this payment. I wanted Carrington to draft the morgage money from my bank account. They said " no '', with no particular reason to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

Statesboro, GA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: I am an XXXX XXXX service member seeking assistance with my mortgage. I have made many attempts to work with my lender but I often times feel as though I am being given the run around our just being outright lied to. We experienced some rather life altering difficulties after moving into our new home. We went through a period where we were unable to pay our mortgage. We were sent to XXXX. We dug in and worked hard though. I picked up a XXXX, short term job in addition to my military position. We cut off everything of " luxury '' - cable, internet, cell phones, eating out, school trips for the children, vacations, birthdays etc. We pulled ourselves back from the impending devastation and resumed paying our mortgage in XX/XX/XXXX only to have our payments mailed back to us demanding full payment which at that moment was impossible. Since then I have been actively seeking a solution with the mortgage company but have been met with countless obstacles.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Norcross, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Raymond, NH

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: I am in the process of refinancing and the Mortgage Company will not release the payoff info to the Title Company. The Title Company has been requesting the info since XXXX. They followed up once and then reached out to me for assistance. This is the second problem I have had with this company, ref complaint # XXXX. I have missed XXXX deadlines to conform with a court order due to errors and delays on the mortgage company 's behalf.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My mortgage was sold early last year to Carrington Mortgage Services. This company sent me an escrow refund check citing an overage. However, a month or two later they jacked my payments up and told me that my escrow had a shortage. Now a year later they are increasing my payment again after I have been paying an increased amount for the past 12 months. My homeowner 's insurance has n't increased and neither have my taxes. I have read many complaints about Carrington mishandling escrow money. They refuse to admit wrongdoing in issuing me a check and then increasing my payments because of a shortage.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-21

Osceola Mills, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Kissimmee, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

IN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My mortgage company XXXX Carrington Mortgage XXXX sent out XXXX Premium Insurance payments to the wrong insurance company and will not get our money refunded back into our account. Our escrow showing negative which has made our house payment go up. All we want is our money refunded and put back into out account. We have lived in our house about 14 Months and have had about XXXX Insurance checks go out, when only XXXX should have gone out for this years Insurance Premium. When we signed papers for our home, our title company paid the first years Premium so the only check that should have went out was this years Premium XXXX which was sent to the wrong insurance company ). Also, in the process of all this my homeowners insurance was cancelled twice.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Marietta, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Lewisville, TX

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: The purpose of this letter is to formally notify Carrington Mortgage Services ( CMS ) that the hazard insurance premium payment was incorrectly calculated at the time of determining my qualifying modified total ( PITI ) mortgage payment. This results in me actually having to pay {$200.00} more than the determined qualifying payment amount. CMS has the annual insurance premium amount incorrect on their documents. CMS incorrectly calculated an annual hazard insurance premium based on half of the actual premium amount ( {$1400.00} ) when the total annual premium is actually {$3400.00}. CMS used the 1/2 premium mid year amount and divided by 12 months, versus the actual annual premium amount. CMS determined my total PITI modified payment to be {$1700.00} based on this incorrect figure. Using the correct insurance payment of {$290.00}, as identified in the insurance billing and the modification request package, would result in a lower P & I payment to be equivalent to the {$1700.00} PITI payment. I am requesting the P & I payment be reduced to reflect the correct PITI amount of {$1700.00} as agreed, with the correct hazard insurance payment amount. Not doing so will result in my escrows being insufficient and resulting in me paying a much higher mortgage payment that I can not afford.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Stevenson, MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My name is l XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX.I am filing a complaint against my mortgage company for going through with a forclosure and sale date when they wont acknowledge that I sent my rma packet in a timely manner.I have been working with carrington mortgage company since XXXX 2015 when they took my loan over and started the process of sending in my rma packets to try and get my loan caught up since it was sold by XXXX XXXX XXXX to Carrington in the middle of me making payments to get caught up on and a payment plan for me but then carrington bought the laon and it took 65 days so at that time when they took over the loan my payment plan with XXXX was void now due to the sale of my loan im in default in XXXX 2015. I contacted carrington right away thats when i started working with XXXX at carrington doing rma packet to see what help i can get. I have sent rma packets XX/XX/XXXX, through XX/XX/XXXX and they keep having me resend another rma due to my XXXX and change in circumstances changed so i was told by XXXX to fill out another rma packet it was sent on XXXX XXXX by XXXX I recieved the packet and filled out and got all my documents she requested and sent them ups on XXXX XXXX 2015 through ups with the tracking # I had to XXXX XXXX to send it and it was recieved by XXXX XXXX after sending the rma packet back to XXXX I hadnt heard a reponse from her at all XXXX XXXX I called to talk to XXXX and have not been able to contact her so I talked to a XXXX who explained that the reason why im being denied help and am going to loose my home is due to my rma packet they say they didnt recieve it I gave them the tracking # to the rma package and it states that my rma packet was recieved on XXXX XXXX at XXXX to the address for carrington.XXXX and a man representative found the tracking # and found my package has been sitting in the research dept since XXXX XXXX with not XXXX employee there getting my rma packet to the correct dept to revue. I sent my rma packet too but no one went over it so when i was speaking to XXXX she had on XXXX XXXX me resend another rma packet thru fax with also a explanation letter with the tracking # XXXX that my rma packet was sent to the research dept i faxed it that day XXXX XXXX to XXXX who called after and said i recieved the second packet and she stated she was going to go over my new rma packet and try and retrieve the original from XXXX XXXX and for me to try and get ahold of programs hardist hit program to help me which i did but after the holidays and i called to speak to XXXX but got XXXX a representative was very rude had me on hold a hour told me to bad that im losing my home, im confused at this point since XXXX had given me different information about the fact that it is carrington who didnt find my first rma then they had me fax another one on XXXX XXXX then after that conversation I spoke to a XXXX on XXXX XXXX where she requested the tracking # XXXX ups form be copied and faxed to her to prove the rma packet was recieved on XXXX XXXX at XXXX I faxed it immediatly. so I should have been given the opportunity to qualify for a program to help keep my home. Come Monday I called carrington again and then they said that it was too late and I couldnt do nothing else im filing this complaint due to carrington not doing there job by losing my XXXX XXXX rma packet not reviewing it and then putting a sale for XXXX XXXX 2015 without giving me any opportunity to pay a payment since thet took my loan over I have been doing everything carrington has requested from me and my packets are complete. On XXXX XXXX I called carrington again and got another representative XXXX XXXX who is a manager who listened to my delimma and told me to call back wednesday XXXX XXXX to see if they can fix there mkistake thats going to make me lose my home for their mistakes.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

Anchorage, AK

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

Bucksport, SC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-14

Brooklyn, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-13

Philadelphia, PA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: We were discharged from chapter XXXX. Our home is underwater and wife being out of work since XXXX 2015. We ask Our second lender ( Carrington ) to settle the debt so we can retain the property. They only offered help with a short sale. In a short sale they wo n't get nothing. We never reaffirmed the loan. Can you help us?
Company Response: Closed with explanation

Disputed: No Timely Response