CARRINGTON MORTGAGE SERVICES, LLC

2015-11-28

Stanton, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-25

N Providence, RI

Other

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-25

Beaumont, TX

Other

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-25

Bethlehem, WV

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Lawrence, NJ

Other

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-24

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Clermont, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Ogema, MN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Received letter from Carrington Mortgage Services stating repo and that owed 2 payments. Had mailed 1 payment that week and found out that the extra sent prior was held as it was not a full payment. I understand that. So, I overnighted the balance on Monday and it was tracked to delivery on Tuesday. Waiting until Friday to check if posted and found that neither were. Called them and they said they had received neither the check mailed a week earlier or the overnight. They stated that I would have to prove that anything was sent. I stated the tracking stated it was received. Now a week after still neither have been posted. I used the address on the letter for overnight, and the payment mailed was sent it their envelope with their address. What can I do to get a straight answer from them? Their customer service is totally lost. I know the payments are my fault, but goodness how do I fix if they are n't posting and receiving payments. I want to get this up to date asap. What can I do? I am afraid to double the payments as they may then deposit and post the old and new monies.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-22

Cheverly, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-22

WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. Respectfully submitted, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-11-21

TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: URGENTForeclosure sale set for XX/XX/XXXXRe : Carrington MortgageI have been trying to work with and submitting requested documents for a loan modification since XX/XX/XXXX. I have lost count but think it has now been nine ( 9 ) times so far. They have been unwilling to follow through on the promised process. Every time, I get a letter stating that I have not included all requested documents ( which I have. ) When I call to find out what they are missing, even the clerk answering says " yes I see that document '' and everything is in order and she will make a note for the processor so that it can go to underwriting. They have all my contact information but I never get a call or return call from the process person or underwriting. Months went by when I called and only got a recording stating that they were overloaded with calls and call back at a later time. I then and always get a letter stating that since I did not meet required documentation the file is closed. I call again, they see all documents but say there is nothing they can do once it is closed and I will have to resubmit. And the entire debacle starts again. When I asked where do I file a complaint, I was cut off. I have since enlisted the help of a Housing Counseling Agency and they are experiencing the same issues. Exuberant amount of time on hold only to be told the contact person is not in and also requesting documents already sent ( this can be verified in the XXXX Portal. ) The Agency has been outright refused by the servicer to speak on the loan despite Carrington having an authorization on file. Carrington seems to be purposefully postponing the review of the mortgage loan application when a pending sale date of XX/XX/XXXX is coming close. And with the XXXX holiday that leaves only 4 business days to remedy this situation. I therefore, urgently need your help and intervention immediately. We desperately want to keep our home and are diligently doing our part to try and make that happen.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-20

E Lansdowne, PA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-20

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Atl, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Dallas, OR

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Arbutus, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Houston, TX

Other

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-18

MN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: four months ago I sent a debt validation letter to Carrington Mortgage service, disputing my alleged debt, and asking them to prove ownership of the note. they replied with " copies '' of a note signed to XXXX XXXX XXXX XXXX and declared they own it now. I sent another letter stating that copies of an alleged note do not apply under the XXXX and wanted them to show me the actual physical note in order to prove their claim of ownership, as so far their word that they do, does not serve as proof of ownership. They sent my second letter back accompanied by their own letter stating they did not know what I was asking for, so they were placing my claim as invalid. During this time I did not pay them anything they said I owed because of their failure to verify. According to notices I was receiving and my credit report, they continued to keep my " account '' active and continued to accumulate late payments. I sought to resolve this in court, I personally prepared a case using laws in the FDCPA and the XXXX, and took it to my local court house. I was turned away by the clerks saying they would not file a lawsuit unless I had a lawyer. So I began calling lawyers. The lawyers who had any knowledge of the FDCPA or the XXXX or even mortgages told me they would n't do anything until I paid a retainer and hourly fees, which I can not afford. I finally got ahold of a lawyer through the Volunteer lawyers network, and he advised me to petition the Minnesota attorney general with my complaint, which I did. My response from them was to contact the CFPB, because Minnesota judges were split on how to proceed with cases of this nature, and the CFPB was a federal body which could help. I did n't know what to do at the time because Carrington Mortgage Services was still considering my requests invalid and threatening to foreclose on my home, and time was ticking by. So I resolved myself to throw in the towel and call Carrington to try and work something out. I called them and went through an information process to try working out a repayment plan for the alleged debt and my delinquency thereof. They told me I did n't make enough money to do a repayment so I had to catch it all up before they would work with me. It took me a month to save and borrow enough money to cover what they said I was delinquent by, and I called them with bank info in hand in order to pay it. They refused to take my payment due to my " foreclosure status. '' I told them I had no idea I was officially in foreclosure and I have the money to pay. They said it did n't matter and they had to request a " reinstatement amount. '' I asked how long that would take, and this call being made on a Friday Morning they said they would get it to me by email as soon as they got it. The following Monday I received a letter from a lawyer representing them, and a letter from them as well, XXXX stating I am officially in Foreclosure. I called them same day and they still did n't have the reinstatement, I called them on Tuesday, still no statement. I ended up getting ahold of the CFPB by phone who transferred me to a mortgage councilor. Together we called Carrington and got the same result. In an attempt to wrap this up before I run out of characters, my complaints can be summed up as. 1. they claim to own an invalidated debt due to their noncompliance and willful dissent of my requests. 2. while in dispute they are allowing the " late payments '' to accumulate in order to exact a foreclosure. 3. My credit report still reflects payments are current in lieu of their claim I am in foreclosure. 4. Due to this lack of compliance, due diligence, and proper communication they are trying to collect extra late fees and lawyer costs of this entire process. None of my understanding of the law or morality says any of this is right. I have dates, documents, and legal evidences supporting all of my claims.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-18

North Hollywood, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My home is currently in active foreclosure, I fell behind 2 years ago XX/XX/2013 due to loss of income from employment. I have now submitted over 10 applications requesting assistance with modification of my loan and I always receive the same response " incomplete application '' I 've made contact over the phone with there representatives and never receive the assistance that I need I 'm always been told of additional info that is needed and when I send it and follow up on it. I get told by someone else a different story, the biggest problem is not having a point of contact to be able to assist me with what info is needed and receiving a follow up or confirmation that all is in process. I want nothing more than to be able to save my home for my family and I. But I save been dealing with this for almost 2 years and not getting anywhere I feel that my Mortgage company continues to give me the run around to eventually evict me. I ask that you please help me with this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Freeport, IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Plymouth, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXXBureau of Consumer Financial Protection Department of Business OversightXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXDear Consumer Protection Representatives, Please help me with this complaint against Carrington Mortgage Services and force them to refund the double remittance they received for my XX/XX/XXXX mortgage payment. They also charged me a {$46.00} late charges and a {$20.00} fee that they claimed was " overdue ''. How can there be late charges when the payment due XXXX/XXXX/15 was received by them on XX/XX/XXXX? I refinanced my house on XX/XX/2015 with XXXX XXXX. On XX/XX/2015 they prepared a Payoff Statement showing an outstanding principle of {$130000.00} yet the statement dated XX/XX/XXXX showed an outstanding balance of {$130000.00}. Why the XXXX differenced for balances good until XX/XX/XXXX? As I mentioned above, they received my XX/XX/XXXX payment on XX/XX/XXXX that cleared my bank on the same day. Obviously this payment was not included in the payoff amount dated XX/XX/2015 which noted that the XX/XX/XXXX payment was still due. I was told by both XXXX XXXX and the title company who did my closing that I would be refunded for this double payment. But when I called today I was told there was no credit on my account and I had to write their research department and request the refund before it would be sent! That is simply not right. I did receive a {$3500.00} refund of my escrow account, which to be fair only showed {$3400.00} on the XX/XX/XXXX statement. But where do they come up with these numbers ; should n't they match? My entire association with Carrington has been frustrating at best. When they first took over my account I tried to enroll in auto payments as I had my savings account set up to cover the payments with payroll deductions. This worked with the other XXXX mortgage companies that serviced my account, but not with Carrington! Apparently XXXX has a different routing number for my savings account and wrote them saying it needed updated. Rather than correcting it like the others did, they froze my account and prevented me from making any payments either online or over the phone. No matter how many phone calls I made to try and fix this, nothing was ever accomplished. They even shut down my access to my online account. They seemed to be doing everything they could to prevent me from making a timely payment. One time I was on the phone with their representative trying to make my payment from another bank account and I gave her the routing and account number directly from the check ; she even repeated the account information to make sure everything was right but nothing ever processed. However, they were quick to access a late payment fee. No wonder the " XXXX '' website is full of similar complaints. Should n't some agency be investigating them? How can a company that has the ability to destroy people 's lives not have to maintain standards and accountability? Even when I got the XXXX involved earlier this year, their representative was curt and totally unhelpful. I remember that she was able to spend what must have been hours researching my calls to Carrington ; but could n't spend a couple of minutes helping me out. Apparently their motto is " XXXX them before you help them ''. Anyway, I 'm thankful to be working with XXXX XXXX now, a company with a solid reputation for taking care of their customers and this whole ordeal is almost behind me. So please, consumer protection agents, help me obtain my rightful refund from these scoundrels so I can have them forever in my past. Hopefully this letter and the attached statements will provide you with enough information to warrant further investigation. I look forward to hearing from you soon
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-17

Liverpool, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX, 2015TO WHOM IT MAY CONCERN : Unfortunately this all was started due to health issues. We have been paying on our mortgage numerous years and have come to the end and I got sick. Most of my expensive medical bills were due XXXX during a year and half year span. These XXXX had to be paid cash up front due to the fact that I had and have no medical dental insurance. Each XXXX cost from {$1500.00} to {$1800.00}. This year I was in and out XXXX. The last time being XXXX 2015. I was in there 4 nights. I have medical records to prove all this. I had to pay {$330.00} for XXXX pills among other XXXX fees XXXX XXXX XXXX. We have made several attempts to pay off our mortgage to no avail. I have called in numerous time and repeated the same story to numerous representives., again to no avail. Every time the payoff amounts go up some go down??? All we want is our clear house title. We have paid well over double if not triple the first payoff statement amount and paid additional amounts as well. XXXX the times I made a payment off statement was in XXXX thru XXXX XXXX and than about 5 days later we received a letter from XXXX XXXX saying our monies were there and that we needed to go and pick it up. No reason was given as to why Carrington return our payoff amount?? I have sent in copies of some of the payoff amounts letters form Carrington and also sent in some of the amounts of where we have sent in the monies being charged to us. We have also included an example of proof of insurance where Carrington billed us for coverage when we had it. This also happened numerous times. My Insurance agent has all the faxes they sent Carrington to prove that we were covered and not only faxes but also actual phone conversations with Carrington., not just once but several different times. Again all we want is our clear title.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Lakesite, TN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Bridgeport, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

OK

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Carrington Mortgage recently locked my ability to make electronic payments either from online or over the phone. After making multiple calls to their call center and resolving the " apparent '' incorrect info, they still are n't accepting my payments. Each time I called I get different explanation but still no result. I ca n't even make a payment directly over the phone with them. Ever since XXXX XXXX XXXX transferred this to Carrington I have had nothing but poor customer service and find their procedures and policies for customer service atrocious. I 've never experience this kind of problem with any other company just Carrington. Now it appears that they will likely charge me a late fee even though I ca n't make a payment due to their fault not mine.
Company Response: Closed with explanation

Disputed: No Timely Response