|
11449149
|
2025-01-09
|
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 |
Conventional home mortgage
|
| Date Received |
2025-01-09
|
| Submitted Via |
Referral
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
| Consumer Consent Provided |
N/A
|
|
|
11294371
|
2024-12-27
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-27
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-27
|
|
|
11330531
|
2024-12-30
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-02
|
|
|
11078471
|
2024-12-09
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Complaint What Happened |
My mortgage payment is due on the first of every month and there is a late fee incurred if the payment is received after the XXXX of the month. My payments have been made consistently on the XXXX of each month which is well within the grace period allowed. Nevertheless, I am receiving harrassing phone calls each month from the mortgage company claiming that my payment is late. For example, I received a phone call today on XXXX while my payment was already sent on Friday XXXX electronically through my bank. These phone calls must stop!!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6893194
|
2023-04-26
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-26
|
| Complaint What Happened |
I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the carrington reporting is the same accross the report. I need this removed asap.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10510417
|
2024-10-19
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Issue |
An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-19
|
| Consumer Consent Provided |
Other
|
|
|
5932232
|
2022-08-30
|
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 |
2022-08-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-30
|
| Complaint What Happened |
Carrington Mortgage Services , LLC ( Carrington ) is in violation of Regulation Xs loss mitigation procedures by failing to implement an FHA Covid-19 Advanced Loan Modification agreement accepted by the borrower prior to the transfer of servicing to Carrington.
For more information, please see attached letter and supportive documents.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5718323
|
2022-06-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-28
|
| Complaint What Happened |
XX/XX/XXXX Hello, I am writing about a dispute I have on my credit report. This issue is complicated, so I am glad to have access to this department.
I am in New York XXXX. My mortgage was transferred from XXXX XXXX XXXX to Carrington in XXXX. I have had this account for over XXXX payments and have never been late. I have also never been late on any payment, for the life of my credit history. I have XXXX mortgages and over XXXX in available credit and XXXX debt ( except student loans and mortgages ). I have a perfect credit score, which is intentional. I am a real estate investor, and my business depends on qualifying for commercial lending.
The property with a lean through Carrington at XXXX XXXX XXXX XXXX NY XXXX is a duplex rental property. It was purchased by me, XXXX XXXX XXXX in XXXX. My ex-husband was on the deed. We divorced in XXXX and we did a quit claim deed. The deed was transferred to me. Despite providing this document to Carrington several times, Carrington has not removed him.
In XXXX, I opened my real estate business, XXXX XXXX XXXX. XXXX # XXXX. The deed for this property was transferred to the business. Again, the company did not change the deed despite providing proper proof of deed transfer. The property is not owned by XXXX XXXX, XXXX XXXX or XXXX XXXX. It is owned by XXXX XXXX, XXXX. I can provide the deed for proof if necessary.
In XX/XX/XXXX, I hired my first employee for XXXX XXXX. XXXX XXXX was hired as property XXXX. His date of hire was XX/XX/XXXX. His job description is to manage properties and take care of day-to-day operations of business. He needed to be added as an authorized user to my recurring debt accounts, in order to take care of day-to-day business operations.
Unrelated to this business change, I have been displeased with my business banking at XXXX XXXX XXXX XXXX for quite some time. My accountant has suggested XXXX XXXX, which is has a reputation for a less cumbersome commercial lending process, which is highly necessary in New York XXXX. I decided that since I was calling my creditors and adding an authorized user anyways, this would be a good time to switch bank accounts. It seemed like the perfect time.
I switched from XXXX XXXX XXXX XXXX to XXXX Bank XX/XX/XXXX. I delegated the responsibilities of Carrington Mortgage payments to XXXX XXXX. As the company can see, there were XXXX attempts from employee to pay from XXXX XXXX XXXX and XXXX attempts from new XXXX Bank prior to the 30 day period. No one from Carrington contacted myself or my employee before damaging my personal credit report.
Carrington send a 30 day past due delinquent alert to the credit bureaus. I am in the process of commercial loan, partnering with two other businesses. This is a large project and many are relying on funding that I am securing through this new bank. My personal perfect credit score is necessary to secure funding. This negative report from Carrington has caused a ripple affect to many others. I am looking to have this inaccurate derogatory comment removed from my credit report.
Please contact me at your earliest convenience. I am eager to have this issue resolved.
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX company had 30 days to respond to this dispute. They never contacted me. They did not meet requirements for fair credit reporting by ignoring my dispute. They did not respond to me by phone call or by mail in the required amount of time. This remark needs to be removed from my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5024201
|
2021-12-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-19
|
| Complaint What Happened |
This is to dispute a negative remark from Carrington Mortgage Services. They reported a late payment for XX/XX/2021. Included is a mortgage statement from Carrington Services that shows there was no payment due for XX/XX/2021. It also shows multiple payments in the previous months which would have led to an overpayment. We later sold the home on XX/XX/2021 which effectively paid all debt to the lender. There are included documents reflecting this as well.
Thank you for your time on this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5173600
|
2022-02-02
|
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 |
2022-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7241915
|
2023-07-12
|
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 |
2023-07-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-12
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX Fax : XXXX XXXX Contacted me offering to lower my home mortgage interest rate.
months after XXXX mortgage stopped all communications with me and stopped my online account access for me to pay my mortgage.
XXXX XXXX XXXX informed me to start making them payments. That my new mortgage was {$1500.00} a month.
After paying XXXX XXXX XXXX for almost 2 years.
XXXX I formed me that Carrington would take over my mortgage Carrington mortgage services LLC XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Carrington tells me that I need to start making payments to them starting XX/XX/2023 After calling Carrington to ask why I dont have statements online for me to see They informed me that my loan remodification application was being cancelled.
I asked them if the loan re modification was to lower my interest rate like XXXX XXXX XXXX informed me.
Carrington tells me that the loan re modification is because I owe almost 2 years of mortgage I sent Carrington all the payments I made to XXXX XXXX XXXX Carrington Informed me they do not know who XXXX XXXX XXXX is BUt in all the letters Carrington sent me XXXX XXXX XXXX name was on it How can they claim they do not know who they are I called Carrington about a week ago asking what is going on with my mortgage since I havent heard from them They informed me on Friday that my home was in foreclosure They did not want to give me any more information I asked for the lawyer information that they were using for the foreclosure Carrington informed me they did not have that information They told me I had to go to county to find out for information After arguing with them for 20 minutes They decided to give me the lawyer information Carrington after giving me the lawyer information Asked me not to call the lawyer Since Im suspicious of everything going on On Monday I called the foreclosure lawyer At this law office XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was informed by this law office that Carrington just put the foreclosure on hold and she was not able to provide me with no other information I need this to be investigated I seem to be scammed by XXXX XXXX XXXX And Carrington and XXXX seems to be aware and working together with these people to take my home I want to know what lawyer I can trust and call to look into this matter After being scammed now they want to put my home in foreclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called XXXX and made an application to chase during the pandemic to lower my interest rate and they ignore me I also requested a refinance and I was also ignored
|
| Consumer Consent Provided |
Consent provided
|
|
|
4740174
|
2021-09-21
|
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 |
2021-09-21
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-21
|
| Consumer Consent Provided |
N/A
|
|
|
4549910
|
2021-07-16
|
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 |
2021-07-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-16
|
| Complaint What Happened |
As instructed by the State i have contacted Carrington Mortgage Services in XXXX, XXXX about being impacted by the pandemic. Instead of helping, in XXXX i received a letter of intent to foreclose and report me late XXXX, XXXX, XXXX and XX/XX/XXXX. My unemployment did not take effect until XX/XX/XXXX. I used all the proceed to catch up on all payments. As of XXXX my account was current. I filed complaints to their advocates and the NYS XXXX. I sent proof of my phone log and my unemployment status. XX/XX/XXXX I received a mea culpa letter of forbearance effective retroactively XX/XX/XXXX, They admitted their error but refused to remove the negative entries as mandated by the State when you are impacted by the crisis. Please help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4291321
|
2021-04-12
|
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 |
2021-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-12
|
| Complaint What Happened |
MY MORGAGE COMPANY CARRINGTON MORTGAGE SERVICES SENT ME A LETTER ON XX/XX/2021 THAT I HAD NOT MADE MY MONTHLY PAYMENT. i HAD SENT THE PAYMENT ON XXXX XXXX 2021 I RECEIVED THE LETTER THAT STATED I WAS PAST DUE AND THAT IF DID NOT MAKE THE PAYMENT BY XX/XX/2021 I WOULD BE CHARGED A LATE FEE. THE CUSTOMER SERVICE ADVISOR STATED THAT THE STATEMENT COUPON WHICH WAS SENT OUT HAD THE OLD ADDRESS IN ARIZONA. THE LATE LETTER SHOULD NEVER BEEN SENT OUT IF THEY KNEW THAT THERE WAS A PROBLEM OF THEIR MAKING. I FEEL THAT THEY WERE JUST TRYING TO PROFIT OFF OF THEIR MISTAKE.BY COLLECTING THE LATE FEE.
I THEN RECEIVED MY ANNUAL ESCROW DISCLOSURE PAYMENT. i WAS INFORMED THAT I HAD A ESCROW SHORTAGE OF XXXX. THE LETTER STATEED, '' IF YOU CHOSE TO PAY THE ESCROW SHORTAGE IN FULL IN A LUMP SUM PRIOR TO YOUR EFFECTIVE DATE. YOUR MONTHLY PAYMENT WILL BE REDUCED BY THE MONTHLY SHORTAGE PAYMENT AMOUNT. '' ON XX/XX/2021 I RECIEVED MY STATEMENT FROM CARRINGTON TOO MY SUPRISE THEY HAD NOT REDUCE MY PAYMENT. WHEN I CALLED THE SERVICE REP STATED THAT I HAD TO CALL AND REQUEST A NEW ESCROW ANALYSIS THAT IT WASNT DONE WHEN THE RECIEVED THE PAYMENT. I FEEL THAT THIS IS FRAUD WHERE CARRINGTON IS TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM. A SIMPLE SENTENCE THAT STATED THAT U HAD TO CALL AND REQUEST THE NEW ANALYSIS IS ALL THAT IT WOULD TAKE.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4163044
|
2021-02-24
|
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 |
2021-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-24
|
| Complaint What Happened |
On XX/XX/2021 Carrington Mortgage representatives provided information that my XXXX XXXX mortgage only qualified for a 12 month forbearance but the policy indicates that I qualify for a maximum of 18 months. I verified this information by contacting XXXX XXXX. Carrington XXXX has consistently provided me with incorrect information regarding COVID forbearance and modification leading me to make uniformed decisions like starting repayment prior to being able to. They are misleading many of their customers into foreclosure.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3412966
|
2019-10-21
|
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 |
2019-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-21
|
| Complaint What Happened |
I have a Loan being serviced by Carrington Mortgage Services, ON MY primary residence.Because of the various hardships, I explained to them, prominent among them being the severe damage to the building due to the deadliest ever HURRICANE SANDY ( also termed as SUPER STORM ) during XX/XX/2012 .After submitting a lot of documents, I received a so called Loan Modification. They sent the Trial Period Agreement by ordinary Post, without any XXXX or XXXX Return Envelope, like I am told other Banks are doing. I signed and mailed them back the Original Agreement. I also made all the 3 Trial Period Payments - well on time. I am surprised to hear from them that they cancelled my Modification because they did not receive the signed Agreement, back, although they acknowledge having received all the 3 Trial Period payments on time. Now they refused to take further payments from me and are asking me to apply for a Loan Modification all over again, which is totally unfair.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4419556
|
2021-05-31
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2021-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-31
|
| Complaint What Happened |
I have made large amount of payments in the past 3 months so that I can pay off my mortgage sooner but my last payment wasnt applied to the principal only this has XXXX going on since XX/XX/XXXX also I tried to refinance my loan and after they collected their appraisal fee underwriter said I dont qualify for refinance I have XXXX credit score and no credit card debt carrington said I dont qualify I currently have 8.75 interest rate I owe $ XXXX house is worth $ XXXX and carrington said I didnt qualify please help
|
| Consumer Consent Provided |
Consent provided
|
|
|
3226604
|
2019-04-29
|
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 |
2019-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-04-29
|
| Complaint What Happened |
Im requesting for Carrington Mortgage Services to investigate the enclosed Assignment of Mortgage and transfer from XXXX.
XXXX XXXX XXXX XXXX was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XX/XX/2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ).
XXXX can not demonstrate an agency relationship between itself and the note holder that gives XXXX the authority to transfer assignments from one entity to another. Furthermore, it would be against XXXX procedure of operation to make an assignment yet XXXX acknowledges in its very own Procedures Manual that it can not make any transfer of assignments to another. XXXX own admission : XXXX can not transfer the beneficial rights to the debt. The debt can only be transferred by properly endorsing the Promissory Note to the transferee. ( Page 63 ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
4522229
|
2021-07-07
|
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 |
2021-07-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-07
|
| Complaint What Happened |
Carrington Mortgage Services deliberately lied to XXXX stating that I had surrendered the deed to my property to them in leiu of a foreclosure and that my home was in the process of being liquidated.
They refused to correct the error on my credit report when asked to do so on XX/XX/2021 even though their customer service dept verified that I was entitled to a temporary forebearance due to my application for Mortgage Assistance not being able to be completed due to a COVID19 issue. COURTS were closed due to executive order, keeping me from being able to submit records to Carrington and the FHA needed for my loan modification application to be completed and processed. In addition this change that is saying my property is set to be liquidated was made as a scare tactic to get me to fork over money when I am not to have anything done to me regarding any foreclosure, until XX/XX/2021. The moratoriums on evictions and foreclosures are in place until then. This false reporting, etc. was made in XX/XX/2021.
As a result of this situation, I had to pay {$750.00} in attorneys fees, in order to have a lawyer get involved just to remove errant info from a credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3228517
|
2019-05-01
|
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 |
2019-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-01
|
| Complaint What Happened |
We went into contract to sell a parcel of land on our property in XX/XX/XXXX. In XXXX of XXXX we notified Carrington Mortgage that we needed a partial release of the lien on the mortgage to complete the sale. We began the process of obtaining a partial release of the mortgage for our property at XXXX XXXX XXXX in XXXX New York. We were told it would be processed by XXXX XXXX the We were informed on XX/XX/XXXX by XXXX XXXX XXXX and Escalation Specialist with Carrington, that there was a problem with the assignments not being recorded.
There are three assignments missing including the assignment to Carrington who says they hold the note.
It is now XX/XX/XXXX. We do not have the partial release of the lien. And now we don't know, nor can Carrington prove, that they hold the note. Carrington 's customer service line will not let us through to legal department, lien department or the escalation department so we can not get answers. We have asked customer service reps to relay the message that we need to talk to them but no one returns our calls.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2295501
|
2017-01-18
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-18
|
| Complaint What Happened |
I have been trying for a Loan Modification/assumption for the past seven years plus.
My late husband and I started a LM in XX/XX/XXXX when he was XXXX. He passed in XX/XX/XXXX. Our loan was fixed at 5.8 % and was at XXXX we were hoping to get a lower interest rate ( I wish I had known then what I know now, we would never have applied, ) Part of the qualification to do a loan modification with XXXX was to be 3 months in arrears and if you paid you did not qualify for a Loan Modification. XXXX had me resubmit several applications for the next two years, giving me one reason after another why I needed to resubmit. Until one day I was told the reason I was not getting anywhere was because I needed to assume as well as modify ( the deed is in my name, but not the mortgage ) The Assumption Packet never came I chased that for several months was told it was mailed .... eventually told there is no Assumption packet just redo another Loan Mod packet and they would get it over to the Assumptions Department This goes on & on & on .... There never was an Assumptions Department at XXXX as I was told by my last Rep at XXXX. NO ASSUMPTION DEPARTMENT!! Eventually it is in the hands of XXXX XXXX XXXX. I was told I qualified, I explained that I had submitted over 17 loan Mod apps with XXXX and sent nearly that many copies of my husbands Death Certificate and will. I also kindly asked they not call the house and ask for my husband as XXXX had done for several years. The rep from XXXX told me things would be different than with XXXX it was now streamlined and regulations in place that I would only have one rep and only have to do one modification. I did four and had two reps. I was told finally that I received the modification I was so happy, only it was short lived ... as they called later that night to tell me I had to come up with the back arrears first, then they would modify/assume. I did not have XXXX that they were asking. ( I would not have been behind at all had XXXX done the modification or excepted loan payments from me after my husband passed. ) XXXX had told me the same thing before they transferred to XXXX and that there was no guarantee that I would be allowed to assume, when I asked if I would get the money back if they did not allow me they said no they would consider it from my late husbands estate. I asked if they would take that chance. No home and no money to start over if I was not allowed to assume.
The loan is no in the hands of another bank Carrington Holdings LLC, I sent them a Notice Of Error & Request For Information to show that they own the note. It is my understanding by law they have to respond within 15 days it has been since XX/XX/XXXX the XXXX was signed and returned to me but as of yet I have not received any response from them. If anyone has any ideas how to proceed with this please let me know.
Thank you. Sincerely XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3715245
|
2020-06-25
|
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 |
2020-06-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-25
|
| Complaint What Happened |
I am the 3rd part Listing Broker for XXXX & XXXX XXXX.
Since XX/XX/XXXX I have been trying to negotiate a short Sale with Lender Carrington Mortgage. Since then I have had multiple offers on the property and submitted them to Carrington Mortgage. Each time the offers where denied. From XX/XX/XXXX till about XX/XX/XXXX Carrington Mortgage finally sent someone out to look at the property. Please note this property Has been on the market over 300 days.
The property needs much repair.
My last offer was entered on XX/XX/XXXX. When carrington set the appraiser out he asked how much the contract price was. I told him he said after viewing the property that XXXX would probably be high price for this property based on the condition.
On XX/XX/XXXX I called Carrington to check status of my offer and the value of the property as per the Appraisal / BPO I was told the value was XXXX. I asked for a copy of the appraisal this way I could show it to the buyer to see if I could work the offer up. I was no problem it would be emailed. Never got it. I called back on XX/XX/XXXX and was told that I could not see the appraisal / BPO. However a asset manager would contact me. I never got a call. On XX/XX/XXXX I got a message on the XXXX XXXX to upload the offer that was already sent to them in XX/XX/XXXX. Then about 1 hour later I got an email from XXXX that the short sale was declined. They did not even Counter the offer. I feel that Carrington is acting in bad faith and not helping in any way the borrowers to avoid foreclosure. Not Providing a copy of the appraisal / BPO is a violation of CFPB rules.
Carrington Mortgage is hampering me from doing my job. The appraisal / Bpo is a tool I could use to help get the buyer to that price.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3625104
|
2020-04-27
|
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 |
2020-04-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-27
|
| Complaint What Happened |
Good Afternoon, My name is XXXX XXXX, my family and I have been trough a tremendous hardship, both my husband I have medical issues. I was diagnosed with XXXX first and shortly after my husband was diagnosed. We tried several times to no avail for a modification and then tried to sell property as a short sale. Lender claims that since 2 appraisal was done and they can not do any more as per HUD guidelines. The problem being property value has decreased significantly and last appraisal was done over 6 months ago. The last appraisal came in at such a high value as well with no decrease based on the property damage and repair. I am asking for some help for them to just send another appraiser over so they can see themselves the property condition and value it accordingly. Last appraisal came in for {$XXXX}. I'm attaching the value sent by a XXXX. This value is based on no damage to the property. Please I am asking for some help.
Regards XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3616441
|
2020-04-21
|
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 |
2020-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-21
|
| Complaint What Happened |
In XXXX of XXXX, I filed a request for Mortgage Assistance with Carrington Mortgage Services , LLC . Due to a failure in my marriage, impending divorce proceedings, split custody arrangements, and a large flux in the contracting market as I am an independent XXXX, I fell behind on my mortgage payments. Upon filing this application, I was two months behind and sent in all required documentation to request relief in the form of moving overdue payments to the end of the loan without penalty and without causing disruption to my credit report. I had not missed any payments prior to this and dating as far back as the original loan of XXXX. I utilized my accountant XXXX as my proxy ), who also works for the XXXX XXXX XXXX, to ensure all required documents and forms were submitted. Over the last 12 months, Carrington has continuously asked for submission of the same information, either expressing that they never received it or that what I had filed had " expired '', causing unnecessary delay in the relief process. Carrington has, more than twelve times, requested the same information that was submitted via my proxy over and over again, each time with facsimile confirmations that the information was received on their end. Carrington has gone as far as threatening foreclosure and as of XXXX XX/XX/XXXX, rejected my entire application and are saying that I have to restart the entire process all over again. Due to the ongoing circumstances that evolved over the last year, I am now 11 months behind, acting on the advice of Carrington that everything would be taken care of and now am at risk of losing my home, which is the source of my income as I am an independent XXXX and the home for my daughter and I, who I am the sole financial provider for. I am requesting that Carrington honor my original application, move all overdue payments to the end of my loan without penalties and fees, and remove any negative marks or remarks on my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3244458
|
2019-05-16
|
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 |
2019-05-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-16
|
| Complaint What Happened |
This is in reference to COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX Concerning Carrington 's mismanagement of resolving mortgage assignments and recordings for a partial lien release. The closing for the property was to be XX/XX/XXXX. Because of the delay the buyer backed out of the sale of the vacant lot, {$35000.00}. My attorney did not receive the paperwork releasing the lien until XXXX of XXXX. XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3131399
|
2019-01-23
|
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 |
2019-01-23
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-30
|
| Consumer Consent Provided |
N/A
|
|
|
2997885
|
2018-08-21
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-21
|
| Complaint What Happened |
In XXXX of this year, I received a notice that my mortgage payment was increasing by {$53.00} due to a forecasted escrow shortage effective XX/XX/18. My mortgage payment is set up to be paid automatically from my bank on the XXXX of the month which is the day that I get paid. My mortgage was sold to this company years ago and I have never had a late payment. I honestly forgot about the increase because I didn't look at the monthly statement and my regular payment of {$3200.00} was mailed and received by Carrington Mortgage Services on XX/XX/18. Around XX/XX/18 I received a call from the company saying that my payment was late and that I didn't make a payment. The representative I spoke with confirmed that they had indeed received the payment timely but that since it was short {$53.00} they posted it to 'unapplied ' instead of to the principal, interest and escrow. He said he was going to apply it and I told him I apologized and would mail the balance, including a {$65.00} late fee I didn't feel I should be responsible to pay. I received yet another call in XXXX on the XXXX saying I still hadn't paid my XXXX or XXXX payments which I explained to the woman on the phone I had paid both. I checked my account and the check for XXXX and XXXX as well as the additional amount that I owed all had cleared the bank. On Saturday XX/XX/XXXX I received 6 letters from the bank, 3 certified and 3 regular mail that my house was going to be foreclosed on for failure to make my required mortgage payments. All of this for {$53.00}???? I then received an alert that same day that my credit score went down 80 points because of a late payment to Carrington Mortgage Services. I was furious as not only had I made a timely payment of {$3200.00} albeit short {$53.00} they are treating me like a delinquent. I have been with this company ( not my choice ) for years and never made a late payment. I had 0 late payments on my credit report and now I have this one and it has destroyed my credit. I can't get a new mortgage and I can not co-sign a loan for my son. This is horrendous. I sent an email and a letter to the research department at Carrington as instructed disputing the late payment and requested that they remove it and update my report. They responded yesterday saying that they will not fix my report and that it is what it is. I called them today and spoke with 3 different people in customer service and they each said that while it is an unfortunate situation they are only abiding by the law and can not remove the late payment as it would be fraudulent. How could it be fraudulent if it wasn't late? I am not denying that it was short {$53.00} dollars but it was just an honest oversight and I am being punished as if I am late on every payment I make. The customer service representatives would not allow me to speak with the research department as they said they do not have a recorded phone line so they instructed me to try and dispute it with the credit reporting agencies directly. I am filing a complaint asking for assistance in getting this late payment removed from my credit report because I have proof from them that they received the XXXX payment on XX/XX/XXXX yet are still saying it was late because they didn't post it until XXXX ... ..
|
| Consumer Consent Provided |
Consent provided
|
|
|
2720424
|
2017-11-03
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-03
|
| Complaint What Happened |
My original mortgage was with XXXX XXXX. In XX/XX/XXXXmy mortgage was sold to a new investor XXXX XXXX XXXX who uses Carrrington Mortagage Services to services their loans purchased. While my mortgage was with XXXX XXXX my house was damaged by Super Storm XXXX on XXXX XXXX, XXXX. I was paid insurance funds from XXXX XXXX XXXX XXXX. My house was fixed and XXXX XXXX who was in control of the monies sent an adjuster out to see what if any repairs were still needed before releasing the remainder of funds. The adjuster came and I was 95 % complete and XXXX XXXX released the funds and closed the claim. In XXXX I was approached by a law firm that they were opening up some of the Storm XXXX cases because FEMA did not payout the correct dollars. My case went to litigation and I won. I was issued a check in XX/XX/XXXX made out to myself and the mortgagee Carrington Mortgage Services as mortgagee. My attorney sent the check to be endorsed to Carrington. Carrington in return did not endorse it and sent it back to me and was treating as a brand new claim. I called them and explained the situation. They had no idea about the re-opening of claims with FEMA. I sent them the adjuster 's one page two line report stating the work had been completed in XXXX. Then they wanted more documents for which I complied. It is now two months after the fact and they still will not let me know if they are going to endorse my check. In the summer I had lost my job and got behind in my mortgage, part of the proceeds from this check I want to use to catch up on my mortgage. Every time I call or my attorney call we get the run around. The last person I spoke with is a XXXX XXXX who is supposed to be an attorney, his number is XXXX. I am working now, as a loan supervisor in a loan servicing department, and I would never do what they are doing to me to a borrower. This started the beginning of XXXX and is still on going. I even told the investor to send someone to do a home inspection, I have nothing to hide, they were going to do it and then Carrington stopped them. This is so unfair to me as a consume and I believe at some point goes against principles in general. Please help me, I do not know where else to turn anymore.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3081444
|
2018-11-23
|
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 |
2018-11-23
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-23
|
| Consumer Consent Provided |
N/A
|
|
|
2136164
|
2016-09-28
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-28
|
| Complaint What Happened |
I have been paying my mortgage on time for 5 years. I experienced a reduction in my income since XXXX of 2015. In spite of the reduction in income, I remained current on my mortgage payments. Recently, however, I was not able to make payments on my second mortgage with Carrington. I did fill out paperwork with Carrington asking for hardship assistance. Instead, I was sent a document with a repayment plan that far exceeded what I owed in back mortgage payments and exceeded my normal monthly payments. The question I presented to Carrington was one that underscored that raising the amount I owe per month is not a viable solution to my financial hardship. As I discussed the matter with the representative, I was told that I could afford the payments based on the documents I submitted. I am not quite sure how they arrived at that consensus considering my low credit score and overbearing monthly financial obligations. As we discussed the situation further, I was told that I have only two choices ; pay the higher monthly re payment plan or come up with at least 2 regular monthly payments by the XXXX. I was then told that there is no guarantee that the payment will be accepted after the XXXX. I was told that foreclosure proceedings might progress. I am working very hard to raise 2 months worth of mortgage payments to avoid falling into their repayment plan which looks like a scam, because some of the payments wo n't be applied directly to my principal and interest. I 'm asking for intervention into this matter, and a fraud investigation to be opened. Thank you for your assistance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2822970
|
2018-02-22
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CARRINGTON MORTGAGE SERVICES, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2018-02-22
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-22
|
| Consumer Consent Provided |
N/A
|
|
