|
10812283
|
2024-11-15
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-15
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-15
|
| Consumer Consent Provided |
N/A
|
|
|
5637600
|
2022-06-06
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-06-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-06
|
| Consumer Consent Provided |
N/A
|
|
|
6958804
|
2023-05-11
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-05-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-11
|
| Complaint What Happened |
I have a foreclosure sale date on XX/XX/XXXX because Carrington has never reviewed my paperwork and never checked to see that I have the ability to pay my loan. I got sick from Covid and was unable to work and Carrington gave me a three month forbearance to help my family out. At the end of the forbearance I tried to make my mortgage payment and they told me not to, because they were going to review me for loan modification. I have spent close to 2 years going back and forth with them. They have never reviewed my documents that I have sent over and over and they would not accept my mortgage payments and now I owe them $ XXXX and if I don't pay all of it in two weeks they are going to foreclose on my house I live in with myself and three children. This is wrong. I should not lose my home because I became very ill during the pandemic, because I am back on my feet and can afford my payment, I just need help with the missed payments.
I bought my home in XX/XX/2020. I work as an assistant manager at XXXX and when Covid hit in XX/XX/2020 I became very sick. I had bad chest pains and cough for several weeks but I kept working because I needed to pay the mortgage and feed my family. Eventually it got so bad that I could not breathe and I got tested and found out I had Covid. I wanted to go back to work but kept testing positive and since it was a restaurant job I had to quarantine. I missed a lot of work and was having issues with my XXXX and XXXX and XXXX XXXX XXXX. The doctors found that I have some scarring in my XXXX and I am still suffering side effects today.
When I called into Carrington to explain the situation they offered me the XXXX month forbearance which was very helpful. At the end of the XXXX months I was back at work full time and my son was also working at XXXX as a shift manager so our family had the ability to resume making our payment. But the people at Carrington told me NOT to make the payment because they were going to give us a modification. For the past XXXX years I have been sending in my documents over and over and they say sorry, you are missing documents and we can't review. I kept telling them that I wanted to start making payments again because I did not want to fall further behind, but their people said not to pay because they did not know how they were going to handle the modification with the late payments. I was told more than once that I had a complete package and that I was going into review, then a few days later they would say I was missing something. I am very confused and do not understand why they make me go in circles.
Now I am facing foreclosure sale on XX/XX/XXXX because Carrington never actually reviewed my finances and ability to pay. We have the ability to pay, we had it when the forbearance ended and we have it now, but Carrington has never given us a chance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3480490
|
2019-12-30
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-30
|
| Complaint What Happened |
I began modification application assistance for my home in XX/XX/XXXX, and started submitting documents about myself and my mother who lives in the home with me and my XXXX daughters. I continued submitting documents as requested to complete the file up to XX/XX/XXXX, which included copies of my last two years of tax returns, to expedite things as advised by an agent with Carrington Mortgage Services who had my loan. I was advised this would move things along without them having to wait for documents from the Form 4506T. I had communication with them from XX/XX/XXXX up thru XX/XX/XXXX to check for whatever was needed to get my file to underwriting. On XX/XX/XXXX, I was told I had a complete package and my file was gone to underwriting and I needed to just check back in weekly to follow up on the process. I went out of town for XXXX, got back to find a XXXX XXXX XXXX agreement on my doorstep. I found also today that the foreclosure was still executed on XX/XX/XXXX, although I was told on XX/XX/XXXX it would be postponed and my file was completed and gone to underwriting. Today the person I spoke to XXXX, claimed the notes of that call were not there, and she had no evidence of the conversation I had with the agent who told me her name is XXXX, I also spoke to on XX/XX/XXXX. I found also today when speaking to the agent from the evictions department that the call from the XX/XX/XXXX was not documented, and the one from XX/XX/XXXX was not documented correctly, with the same woman, who claimed I hung up in process of the call, when I had a whole conversation with her supervisor, or another lady she put on the phone who pretended to be her supervisor. The person advised me what else was needed, and I submitted remaining documents later that day, XX/XX/XXXX.
XXXX was upsetting to speak with during the call and I did not want to continue speaking to her and asked to speak with someone else. Her documentation is inconsistent with the conversation we had, and she deliberately misled me to believe I had an opportunity for modification when I did not or my file may have still been incomplete, because the evictions person said it was marked in the notes as of XX/XX/XXXX I was advised nothing had been received. This did not happen on the call. She reviewed documents received, and advised me to update my profit and loss statement and send in current bank statements, all of which I did. I have spoke to this XXXX since I got started in XX/XX/XXXXabout documents needed at least 3-4 times. One person reached out to me from home retention with a phone call, and when I followed up, at was at times difficult to be sure if they were doing anything with all the documents I sent in for 2 straight months. I was also advised by this XXXX early on in the process on a call to keep completing my modification package, and attorneys sending me stuff about foreclosure was just a formality. This was in early XX/XX/XXXX or late XX/XX/XXXX on a call.
No one consistently followed up or ever sent any packages on workout offers, other than letters to keep telling me things were missing I had already sent. When I called, they would review and say they saw stuff, then say ok send this or that, but it seems they never sent anything anywhere. They kept turning down my documents or saying I didnt have what I needed to be reviewed. It seems they were deliberately putting me off to foreclose on the property. At any rate, I was lied to about the modification process, and foreclosure still went forward, although I was told it would be postponed for the review of my documents. The records and live conversation recordings need to be reviewed. I have every email with attachments I sent in to them, which includes date stamps. No one there was actively working to help me. I never had a case manager or anything.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2791287
|
2018-01-23
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-23
|
| Complaint What Happened |
XX/XX/XXXX, our Loan servicing was transferred from XXXX to Carrington Mortgage Services , LLC . We never received any communications or information from Carrington. The only information we received was a notice of servicing transfer from XXXX. XX/XX/XXXX, we finally get a letter asking for updated contact information. I mailed updated contact information back to Carrington. XX/XX/XXXX, an unknown person showed up at our residence with a piece of paper with a phone number that stated contact as soon as possible. My husband called the number XXXX on XX/XX/XXXX. It was Carrington and the conversation was about what were our intention to do with the property. He asked why have n't we received a monthly statement and was told they do n't automatically send them, we have to request one. When I mailed XX/XX/XXXX payment, I requested a statement and have yet to receive one. XX/XX/XXXX, we received a blue envelope from Carrington with our check for XX/XX/XXXX 's payment and a letter demanding a quick collect or XXXX XXXX payment. XX/XX/XXXX, my husband called Carrington about why we received the letter and why they returned check for XX/XX/XXXX. He informed them that all payments were made on time and up to date. Carrington had cashed all our checks. They stated their records showed no payments were made.
I pulled cleared checks from our and faxed to them. Carrington stated they will look into it and get back with us but process could take 30 days. XX/XX/XXXX, we received a letter of intent to foreclose and another one XX/XX/XXXX. This has been very frustrating to have to deal with a Company that is supposed to have our best interest first. They have been cashing payments and not professionally handling them. Then to threaten foreclosure when they are mishandling funds. We have to jump through hoops to prove to them that we 've paid them. It 's sad. I had a credit card cancelled due to incorrect information being reported to the credit bureau due to their mistakes.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2116823
|
2016-09-16
|
False statements or representation
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Mortgage
|
| Date Received |
2016-09-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-16
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2265820
|
2016-12-28
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2016-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-28
|
| Complaint What Happened |
My loan was transferred from XXXX to Carrington Mortgage Services XX/XX/2016. They have received payments from the time they have had my loan. No missed payments, I have made payments through my bank with does a ACH withdrawal and I have requested for my monthly authorization of payment statements and was told they no longer provided them. They will not send any records as requested by writing regarding my loan balances and payments. I have been transferred and lied to multiple times I was told my payments were ahead a month and now they tell me I owe them for XX/XX/XXXX and XX/XX/XXXX, therefore I 'm told I am XXXX months behind. They have sent letters of intent for foreclosure and certified mailings to my address in which I am still occupying the property. They have sent so many threatening letters and they have still been receiving payments toward my mortgage from my checking account, but have the monies have been placed in a " suspense account. '' The money in the suspense account should be applied to my mortgage and other monies that were received from XXXX should 've been applied also but I 've been told they have been reversed out and placed unapplied funds. I am based in XXXX and this company is in XXXX. I have sent a letter requesting a research audit on my account and they have sent the letters back to me in via XXXX. Over the phone, I have been transferred and placed on hold and told no managers in loan servicing dept are available I can leave a message for a call back withing XXXX hours and no one has called to discuss my loan with me. This company has poor business practices.
|
| Consumer Consent Provided |
Consent provided
|
|
|
821199
|
2014-04-23
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2014-04-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-25
|
| Consumer Consent Provided |
N/A
|
|
|
1795177
|
2016-02-19
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2016-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-19
|
| Complaint What Happened |
I received a letter from Carrington Mortgage, who bought my home loan from XXXX XXXX XXXX in XXXX of 2015, stating that they were going to start foreclosure proceedings since I missed my XXXX 2015 house payment. I received the letter in XXXX. I called and was told to send all of my bank statements proving that I did indeed pay. I faxed all of my statements as requested and the XXXX payment was noted as well as the past 4 months payments. I was sent a letter requesting front and back of check to prove who indeed cashed it. The statement clearly states that the check was converted to an ACH payment and the front and back of check is not available! I called XXXX XXXX, my local bank, and the branch manager, XXXX XXXX, requested the front and back of check from XXXX XXXX who handles the account for Carrington. XXXX XXXX has not responded and I have received a second letter stating that they are starting foreclosure proceedings ... what can I do???
|
| Consumer Consent Provided |
Consent provided
|
|
|
1416212
|
2015-06-11
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2015-06-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-11
|
| Complaint What Happened |
I changed homeowner insurance companies recently, but before the insurance company contacted my mortgage company XXXX Carrington Mortgage XXXX the mortgage company paid the old insurance company. The old insurance company sent me a refund check for {$1200.00}, the amount it had been paid. To return the full amount XXXX {$1200.00} XXXX to my escrow account I made a regular mortgage of payment of {$420.00} and added the {$1200.00} of the insurance refund to the regular payment. I indicated that the additional {$1200.00} was to go to escrow by using the blank marked escrow, on my payment stub. All this took place during the month of XXXX. The payment was to be the payment due on the first of XXXX. Towards the end of XXXX I checked online to see if the payment had been processed. It had been processed, but incorrectly. The mortgage company had taken the entire amount and put it towards future payments. Thereby, making only a very small amount go to refunding my escrow account. I called their customer service department and tried to work through what had happened and how it would be corrected. I was assured they would correct the problem. I asked to be notified when the problem had been resolved, but was told " we do not notify anyone in situations like this ''. After arguing with the person for several minutes, and them speaking with their manager, I was told that in this instance they would let me know when the correction had been made. After waiting several days, without being notified, I checked online again. Some changes had been made on the escrow amounts, principal amounts, and interest amounts, but it was all still incorrect. They still had the {$1200.00} spread out like several mortgage payment, and with incorrect amounts. So, I called yet again. This time I spoke with someone named XXXX and explained what was supposed to have happened, and what they did wrong.We determined they still needed to move {$840.00} back from principal and interest payments and into my escrow. I was again assured they would take care of it. I asked again to be notified when the changes were made, and was told the same story as before. After a heated argument I was assured I would be notified when the changes were made. As of today, XXXX/XXXX/2015, they have not corrected the problem. Instead, they have only changed the amounts again. Now the escrow account is owed {$550.00} of the original {$1200.00} that was sent to strictly be placed in escrow. The {$550.00} in question is still listed as addition payments to principal and interest. I was tempted to call yet again, but fear I will only end up with the same results. I need someone to please help resolve this matter! I 'm at my wits end. At best, this seems like pure incompetents on the part of the mortgage company. At worst, it seems like right out fraud. I did n't have a choice when XXXX Mortgage sold my mortgage to this company. If I had, I would still be with XXXX. This problem, along with all the horror stories I have read about Carrington Mortgage, have not provided me with much security. Please Help!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3689973
|
2020-06-09
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-06-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9562212
|
2024-07-19
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7992882
|
2023-12-13
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-13
|
| Consumer Consent Provided |
Other
|
|
|
2377563
|
2017-03-08
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2017-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-08
|
| Complaint What Happened |
My mortgage loan was sold by XXXX to Carrington Mortgage Service LLC in XXXX XXXX. I never got any statements from Carrington Mortgage until XXXX XXXX. When I talk to them and I have done so about 10 times they tell me fax us a letter that you want your statements as you had a Bankruptcy discharge in XXXX and we Can Not send anything. I told them I never had any issues with XXXX and they advised me your are we Carrington now and we have different rules. I just want my past XXXX statements from them so I cab Refi my house with someone else. also my credit union fax them a Verification of loan so I can Refi and they do n't want to answer that either. Carrington Mortgage should NOT be in business and checking the BBB they have XXXX active complains due to the way they do business.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6548249
|
2023-02-08
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2023-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-08
|
| Complaint What Happened |
I am with Carrington Mortgage company.
I went into a forbearance during theXX/XX/XXXXEven though I lost some income I was still making payments as much as possible during the forebearnce so I wouldnt lose my home sue to loss income.
At the end of the forbearance I applied for mortgage assistance. Over time I was approved around XX/XX/XXXXI started back making payments as usual. By XXXX XXXX called me stating I owe a lump sum of about XXXX or so dollars. I stated to the representative i was approved and was making regular payments. I also asked why am I getting a call telling me I owe an amount when I was already approved.
He then contacts someone for me and he states they said my application took too long and it was thrown out.
So I ended up doing the application all over again. The first time I did the application I consistently called for updates and one of the representative told me they didnt recieve my information. But I spoke to a representative before them that told me they did receive the information. Each time I call I am told something different. I have remained on the line and emailed or forwarded the same information I had already sent. Once I sent it I remained on the line to make sure they received it. The representative would tell me they received it. I'll call again the next day or few days later and again a new representative tells me it wasnt received.
I am going through this exact same thing with this second application process. I have emails and proof of information I sent.
I documented calls dates and times and names of whom I spoken to.
For the past few weeks I been calling. Again I got different information from a new representative. My foreclosure is suppose to be on hold due to them " receiving " all information and was told it takes 30 days.
But after speaking to a representative a couple days ago seem like they are back to the same things and I'm trying to save my family home I been living at for 20 years.
|
| Consumer Consent Provided |
Consent provided
|
|
|
960327
|
2014-07-30
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2014-07-30
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-08-01
|
| Consumer Consent Provided |
N/A
|
|
|
2407211
|
2017-03-28
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-28
|
| Complaint What Happened |
Escrow manipulation ; Carrington Mortgage. Adding fees for there own.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5639097
|
2022-06-03
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-06-03
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-14
|
| Consumer Consent Provided |
N/A
|
|
|
5590843
|
2022-05-22
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-05-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-22
|
| Complaint What Happened |
I am on XXXX XXXX military leave and i had to go to Mississippi for 9 months. My mortgage has been on autopay with XXXX XXXX. Apparently my loan was sold to Carrington mortgage and they have not been fun to deal with. I have been paying them 2 times per month for the full monthly mortgage payment. Yet somehow they just reported my monthly payment over 30 days past due to the major credit bureaus. I am not sure why when my loan was transferred to them that they did not keep my automatic payment. I have never had any issues paying my mortgage and i have perfect credit. I am extremely unhappy with Carrington so far. I also looke up online and read that when your mortgage is sold legally the new servicer can not report any late payments for over 60 days to ensure the payment is properly applied. They have violated my consumer rights.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5353245
|
2022-03-22
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2022-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-22
|
| Complaint What Happened |
on XX/XX/2022 we sent an application for mortgage assistance. we spoke with carrington several on the phone and they informed us of all paperwork they needed. they mailed a letter stating they needed additional paperwork and in this letter did not communicate what else they needed. I called them and was told they needed awards letter for social security and pay stub for myself. I inform her that i do not get social security XXXX and my new employment with XXXX XXXX pays once a month and it would be another month before I receive my first paycheck. She said ok write that out and send it to them.
we then received a letter dated XX/XX/2022 saying our application had been cancelled. we called them upon receipt of letter and was told 30 days had passed and we had not given them all required documents.
On XX/XX/2022 we submitted another application with all the required documents. we received another letter dated XX/XX/2022 saying that my documents were more than 90 days old. **** please see dates on documents*** We have constantly gotten the run around with carrington Mortgage with our mortgage assistance application. This company has very poor communication.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3146214
|
2019-02-08
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-08
|
| Complaint What Happened |
I called my mortgage company to ask for help to avoid foreclosure around XX/XX/XXXX. I spiffily asked for a modification package they advised me it was to late because my account was in foreclosure. My daughter -n- law told me on XX/XX/XXXX to print package off and send in because they can't deny a complete package. We called them on XXXX, XXXX, and XXXX trying to check status of package. My daughter-n-law sent authorization to help with me and they told her it would take 30 days to confirm written authorization. They were giving me the run around for a week and they finally spoke with her and me XXXX and said they declined the package. They said I didn't print my name on the XXXX page of financial page but my signature was on the paper. They said I didn't send XXXX form no one called to advise me of this, but we spoke with supervisor and emailed documents XXXX. They said they are not sure if they will have time to look at package I advised you have a complete package on XXXX how long will it take to review. Supervisor advised she didn't know but to callback on XXXX by XXXX. I'm doing the complaint because if she would have told me I could print package on XX/XX/XXXX we wouldn't be going through this. Also, because they say their process is 30 days to confirm authorization and most companies take 24 to 48 hours. Also no one told me I could have gave my daughter-n-law verbal position for 30 days until XXXX when she asked how to get authorization on the first conference call we have on XX/XX/XXXX. Please help in any way you can. Me and my husband are elders and my I lost over 2000.00 in income and my husband just got out of hospital.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6585218
|
2023-02-17
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2023-02-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-16
|
| Complaint What Happened |
my contract with XXXX XXXX was transfered to carrington mortgage a couple of months ago, a mess. my payment was XXXX per month, alot of money, but we could handle it. we got our bill for XXXX and it went up tp XXXX, quite a jump. i was told for escrow, but my insurance co has not told me any thing about such an increase and since i sign up for home stead exemption, its not my tax. seems funny, they wait until allt the interest rates go up, and then pull this.i dont like being messes over and that is what they are doing. i ask them what do i have to do to get my payments back where they were were. you cant was thier answer. i cant afford thier XXXX so i really would appreciate your help. i am XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, i gave my country 18 months and almost died therte and i dont deserve this XXXX. XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2557849
|
2017-06-24
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2017-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3004608
|
2018-08-28
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-08-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3102861
|
2018-12-17
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-17
|
| Complaint What Happened |
My mortgage originated with XXXX in around XXXX. It the went to XXXX XXXX and the servicers were XXXX, then XXXX and now Carrington Mortgage Services. During these shifts I was told I was behind, which I do not remember ever not paying my mortgage ; however, I did ask for a modification with XXXX and was declined. At that time XXXX XXXX XXXX took over, then when XXXX took it I was again told I was behind. Due to their aggressiveness I filed a chapter XXXX in XXXX, with no other credit issues but the mortgage. I filed with a lawyer who made a comedy of errors and I had to retain new council. I was given the wrong amount for payment for close to two years and was sending in an underpayment. The bankruptcy court alerted my attorney and we made a plan to make larger payments to put it back in correct status. XXXX and Carrington both had representatives who verbally told me the amounts sent in from the trustee were a mess and needed to be audited ( repeatedly ). It also appears to me the trustee failed to pay a note or more than one note, as one of the attornies in the trustee 's office was fired.
While with XXXX, I asked for an accounting the rep told me an estimation, and I got the amount he gave of approximately {$2000.00} out of my XXXX to pay. He said they would do an audit and he estimated I would still owe approximately {$500.00}. It then went to Carrigington who gave me a bill for $ XXXX in XXXX or XXXX of XXXX which I paid. They then showed I didn't owe anything for several months when I looked on line, not sending me any statements. After a couple of months I started making payments by mail as they blocked me on line. I have no idea if their figures are correct, no one will give a full accounting for the life of the loan as I have requested from each of the servicers. I have tried to get information from Carrington including initiating a loss mitigation program with Carrington and that has failed. I have bills from Carrington which contradict each other in the amount I owe and I have received a foreclosure notice for a sale on XX/XX/XXXX. The problem is that I can not seem to determine what is actually owed on the mortgage to bring it current.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2977331
|
2018-07-30
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-07-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-30
|
| Complaint What Happened |
On XX/XX/2018 my husband received a call from our Mortgage Company trying to talk us into refinance our loan. My husband stated he did not want to refinance the loan said no, the loan officer was told to speak with me, the wife. After hearing what the loan officer had to say, if we are interested we will call you. We didn't call him. Th loan officer toke it upon himself to begin the refinance process and mail a loan packet to us.
He had already insulted us. We have the right to refuse a re financing of our mortgage.
A credit application was sent to us with a new loan number and paper work to sign. my husband credit was ran without his permission, the loan application process was started without permission.
We faxed a cease and stop letter, on Friday XX/XX/2018 after the loan officer called back Friday morning. My husband stated he was not interested and he continue to try and presuade him into a loan harassing him to agree to somethings on the phone. My husband refused and hung up the phone. The loan officer then called my phone. I was unable to answer because I was at work. my husband called me and informed me of the call. I wrote the letter and faxed it to the mortgage company on Friday.
Today we revived the loan application packet, with a new loan application, and disclosure. We didn't ask for any of this. The loan officer used Bullying, harassing, and trying to presuade us into a new loan despite we didn't want it. he could not understand why anyone wouldn't take advantage of such a great opportunity. Why would you like to continue paying a higher rate? It makes no sense.
I don't like the implications, the insults, and don't like the fact he tried to force this refinancing on us. It is not right to harass someone because you want to get your numbers up. In addition mortgage companies should not pre-screen loan holders and harass them for their personal gain. if you send out a letter stating individuals can refinance or contact the mortgage if one 's choose to contact you one can. If one doesn't contact you, then they want your services.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3184921
|
2019-03-19
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-03-19
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-26
|
| Consumer Consent Provided |
N/A
|
|
|
3853701
|
2020-09-18
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-18
|
| Complaint What Happened |
In XXXX, I was notified that my loan was being transferred. I called Carrington Mortgage to cancel all pending ACH debits attached to my account. Instead of cancelling all ACH debits, they continued to debit my account of almost {$1300.00}. I had already begun making payments to the new mortgage company effective XX/XX/2020. I was told by Carrington they could not return the money to me even though it was their fault all of the ACH debits were not cancelled as requested.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3746166
|
2020-07-15
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-07-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-24
|
| Complaint What Happened |
I request assistance due to the COVID-19 pandemic from Carrington Mortgage Services on XXXX XXXX. I was approved for a 90 day forbearance and was given notice of by email on XXXX XXXX. When I called to discuss the terms of what it would be on XXXX XXXX, as in a deferment, balloon note or spread out over " X '' number months, I was told it would be determined in 90 days. The company would not give any determination of it until the 90 days was over. You could apply for the deferment just before the 90 days ended but if disapproved you were stuck with one of the other two options which you would not know which until the 90 days ended. The lady on the phone even questioned why I was asking for it since my house note was not behind. This company bought the mortgage from XXXX. How can someone determine if this will help them if you don't know the plan until you went 90 days without paying the note then you are left to whatever they decide. You can't make a decision base on hopes. Then to question why I asking for help before I'm behind.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2687969
|
2017-09-29
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-09-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-29
|
| Consumer Consent Provided |
Other
|
|
|
2216681
|
2016-11-20
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2016-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-20
|
| Complaint What Happened |
We paid our mortgage to Carrington Mortgage on XXXX/XXXX/16 - through their online payment system - where our banking information was stored. The system generated a confirmation number. We received a letter XXXX/XXXX/16 confirming this payment and confirmation number. We then received a mortgage statement from Carrington Mortgage dated XXXX/XXXX/16 showing the mortgage payment applied XXXX/XXXX/16. Then about XXXX/XXXX/16 we received a letter stating that the payment was rejected due to account not being found. On XXXX/XXXX/16 we paid the mortgage again through Carrington Mortgage system - utilizing the same stored banking information that had previously been used for the majority of this account payment transactions. The system again generated a confirmation number and sent a letter XXXX/XXXX/16 confirming that the payment had been processed. About XXXX/XXXX/16 we received another letter stating that the payment had been rejected due to account not being found. We then called Carrington Mortgage customer service and had a customer service rep assist with making the payment. The system generated a confirmation number. Then we received a mortgage statement from Carrington Mortgage XXXX/XXXX/16 showing the XXXX/XXXX/16 payment reversed, the XXXX/XXXX/16 ( {$1300.00} ) payment applied, and the XXXX/XXXX/16 payment ( {$1300.00} ) reversed, a pay by phone bill fee ( {$5.00} ) charged, XXXX/XXXX/16 payment applied, and a single item ( late fee - {$42.00} ) charged.
We called Carrington Mortgage in XXXX after we noticed that the mortgage payment for XXXX 2016 had been reported late on our credit reports. I asked why was there a late charge being reported on our credit reports. I was told because the payment had been 30 days late. I explained the situation - telling the representative that we had pay the mortgage account online as we had done in the past - the system generated a confirmation number and we believe that the account had been paid - until received the letter in the mail - on both occurrences. The customer service rep explained that getting a confirmation number does not mean the account was paid - just that it was attempting to be paid. I told her with other systems a confirmation number generally mean a payment has been accepted and processed. The rep stated it was a key stroke error and that there was nothing they could do. It was not there fault.
About XX/XX/XXXX I called Carrington Mortgage customer service again and asked to speak with a manager. A manager never came to the phone - but gave responses back and forth with the customer service rep and said that it was not that they could do again because it was not their fault. I explained that in 16 years we had never been late on this loan and this error in their payment processing system had significantly lower our credit scores and that we were in the process of selling the home attached to that mortgage account and purchasing another. And that this action could greatly hinder our ability to purchase our new home. The rep stated that the manager said that they could not do anything. The representative suggested to write to their customer research department to dispute the action.
On XXXX/XXXX/16 I faxed a letter to their customer research department explaining that situation and asked for immediate action to be taken to remove the negative reporting for our credit reports. We supplied them with their own documentation. I called the next business day to see had they received the request and was told it would take 30 days. I called every business day after to see if they had received it and updated it.
On XXXX/XXXX/16 I called Carrington Mortgage and was informed that they would not be updating our account information as it was not their fault and that we would receive a letter stating our account would not be updated to reflect that the account had not been late and that it was not their fault.
|
| Consumer Consent Provided |
Consent provided
|
|
