Product: Mortgage

In XXXX of XXXX, Carrington Mortgage bought my mortgage from XXXX during a modification. As such, the remaining two modification payments went to Carrington Mortgage. My first regular Mortgage payment started in XXXX of XXXX. Instead of Carrington Mortgage honoring the modification set up by XXXX they sent me a new modification. As such, I needed to hire a Financial Consultant to analyze this new modification. Once my Consultant analyzed the number he confirmed that Carrington Mortgage committed MORTGAGE FRAUD. Carrington Mortgage not only padded the Escrow account, they changed the interest rate from 3.25 % to 3.875 %. ( The loan contract at the original closing can not be changed without permission and permission was not granted. FHA confirmed it is 3.25 %. ) Carrington Mortgage increased the amount of the property tax from {$460.00} to {$710.00} per month ( it was confirmed with the town, {$460.00} is correct ) as well as principal/interest from {$960.00} to {$1000.00} thus mortgage payments increased from a set modification of {$1400.00} to a new ILLEGAL AND NEGLIGENT modification of {$1700.00}. Carrington Mortgage added extra fees to the promissory note from a corporate advance which the mortgagor does not know the specifics nor where it even came from. Carrington Mortgage added an additional side promissory amount of {$42000.00} yet refused to itemize how this number was even derived. Carrington Mortgage also increased the unpaid principal balance from {$180.00}, XXXX to {$220000.00} once again without any reason. Once Carrington Mortgage took over the Mortgage Account they tried to add an additional {$87000.00}! My Consultant, XXXX XXXX, reached out to the Account Manager handling this account, XXXX XXXX on XX/XX/XXXX asking for clarification and verification of the numbers that were stated in the new modification that was received on XX/XX/XXXX. The Consultant pushed back at Carrington Mortgage and called them out on their MORTGAGE FRAUD. In good faith, until the numbers were clarified, XXXX XXXX, mortgagor, paid the ERRONEOUS Mortgage payment of {$1700.00} for XXXX and XXXX via online account. As the numbers were still not clarified by XXXX of XXXX, due to now being ignored by the Account Manager, the Consultant decided to submit another good faith payment. The Online account was closed down so the Consultant could not submit a payment, therefore a check was overnighted to Carrington Mortgage. Three weeks later the check was returned. For XX/XX/XXXX payment, the Consultant submitted a check for XXXX and XX/XX/XXXX where as these Mortgage payments were once again returned three weeks later. It was stated by Carrington Mortgage that payments needed to be made via XXXX XXXX yet Carrington Mortgage closed the current account, therefore where would the money the mortgagor sent be credited to? This was a HUGE red flag! The mortgagor was afraid Carrington Mortgage would just pocket the money instead of applying it to her account especially when Carrington Mortgage already rejected two payments. So instead of sending any money, the Consultant took advantage of the Cares Act as of XX/XX/XXXX thru XX/XX/XXXX. Consultant sent a certified letter to Carrington Mortgage to Inform them of the mortgagors right to do so. Carrington Mortgage did not respond to this letter. It was realized on XX/XX/XXXX that not only Carrington Mortgage refused payment on a current account to ILLEGALLY MANIPULATE a foreclosure, they closed an account that is CURRENT to ILLEGALLY FORCE a foreclosure. Ironically, the day the Account was illegally closed, XX/XX/XXXX, the Account manager, XXXX XXXX went on vacation for a month, yet after weeks the Consultant could not get ahold of her nor her manager, XXXX XXXX. My Consultant even tried reaching out to XXXX XXXX who prepared the new modification without any response either. Carrington Mortgage has been EGRIGIOUSLY NEGLIGENT AND HAS BEEN BLATANT WITH THEIR ILLEGAL ACTIVIITIES! Carrington Mortgage FAILED to adhere to FHA procedures, FAILED to honor modification set by XXXX, FAILED to send confirmation of permanent modification terms ( only sent limited information if demanded via email ), FAILED to Adhere to Section 6 of RESPA within the 60 days to correct errors outlined in the Consultants qualified written request thus FAILED to send written clarification. Instead of clarifying their negligent errors from the XX/XX/XXXX request, within the 60 days, on XX/XX/XXXX they closed the CURRENT account that was neither delinquent nor in default, Carrington Mortgage FAILED to apply payments correctly to manipulate delinquencies, Carrington Mortgage FAILED to manage escrow properly by not applying payments and when they do, applying more than the law prohibits by almost 5 %, Carrington Mortgage FAILED to accept payments on a CURRENT mortgage to ILLEGALLY force delinquency, Carrington Mortgage FAILED to itemize the promissory note and verify how the numbers add up and where they came from and Carrington Mortgage FAILED to communicate properly. Carrington Mortgage does not have voice mail which seemed very shady. Account manager was defiant sending emails ( only wanted to use the phone yet the Consultant insisted only email for documentation purposes ), Carrington Mortgage kept the mortgagor in the dark, was defiant in answering the Consultants questions and refused to assist in verifying promissory note amount. The Consultant has an ethical obligation to ensure that amount is correct before he allow the mortgagor as his client to signoff. The Account Manager also left for a month vacation without letting the Consultant know and failed to keep us up to date on the status of the completion of the promissory note/ permanent modification. Interesting enough, the Account Manager went on this lengthy vacation on the same day the account was closed. Carrington Mortgage ILLEGALLY used delay tactics such as response time, payment posting, mailing, refusing to email and work with the consultant on the negligent errors that have surfaced, ILLEGALLY requiring resubmission of income information especially since the permanent modification, HAMP program was already approved, ILLEGALLY fabricated a loss mitigation application that was claimed received on XX/XX/XXXX and was so called incomplete and needed more information in order to further process the application yet such application never existed since it was never sent. Any such applications related to the mortgage were already complete and approved by XXXX prior to the transfer to Carrington Mortgage in XX/XX/XXXX. So, 6 months later Carrington is trying to claim an application was incomplete even though there is confirmation that it was already approved and being processed! Carrington Mortgage ILLEGALLY reporting false information to credit report agencies ( though protected via Cares Act ) which had such a negative impact, mortgagor no longer can apply for any type of credit and loans due to significant drop in credit score. Carrington Mortgage ILLEGALLY pressured the mortgagor to sign side promissory note within a few days without verification of the amount. When the Consultant pushed back, Carrington Mortgage were defiant and delayed answering questions until after the so called deadline for the return of the promissory note. Carrington Mortgage ILLEGALLY refused to comply with HAMP procedures. THE BOTTOM LINE, CARRINTON MORTGAGE COMMITTED MORTGAGE FRAUD! Since servicing transfers can occur during modification like this one, the new servicer, Carrington Mortgage failed to follow the modification agreement that was in place with the prior servicer, XXXX. Carrington Mortgage must ensure that it follows loan modification agreements that are already in place. In this case, the mortgagor, XXXX XXXX is extremely lucky to hire her personal Consultant, XXXX XXXX to assist her in this debacle. He took on XXXX and won and now took on Carrington Mortgage Services. The Consultant called Carrington Mortgage out on their FRAUD and that is DIRECTLY WHY THEY BECAME DEFIANT, UNCOOPERATIVE AND IMMEDIATELY CLOSED THE CURRENT ACCOUNT KNOWING THEY COULD NOT GET AWAY WITH THEIR NEGLIGENT AND ILLEGAL ACTIVITIES! Comically, Carrington Mortgage stated they buy mismanaged mortgages. It is ironic, that Carrington Mortgage not only continued the mismanagement but took it to a whole other level of EGREGIOUS NEGLIGENCE. THIS COMPANY PREYS ON AND TAKES ADVANTAGE OF THE SITUATION OF THESE ACCOUNTS TO AN OBSCENE LEVEL COMMITTING FRAUD IN ORDER TO PROFIT BY EITHER MANIPULATING THE TERMS AND NUMBERS OR BY ILLEGALLY FORCING FORECLOSURES. XXXX Carrington Mortgage and you will see all the egregious negligence they have been involved in! Recently, CFPB sued Carrington Mortgage for their ILLEGAL activities! In XX/XX/XXXX, after the Cares Act ended, the Consultant consistently reached out to Carrington to no avail. In XX/XX/XXXX, the Mortgagor received Court documents from the Bank for Foreclosure. Immediately, the Consultant filed for mediation where it was approved and mediation started XX/XX/XXXX. Court Docket number is XXXX in Judicial District of XXXX XXXX , CT Superior Court. 

Fast Forward, Mediation continued into XXXX where as I finally received the FHA Recovery Modification from Carrington Mortgage on XX/XX/XXXX. My Consultant immediately analyzed the packet to ensure there were no inconsistencies and negligence like the new modification from XXXX, as stated above. On XX/XX/XXXX, my Consultant sent XXXX XXXX the Account Manager for my mortgage an email outlining some questions and numbers he needed to be explained and verified. A few weeks later, I received an updated FHA Recovery Modification with even different figures. So, without a response, my Consultant sent a follow up email on XX/XX/XXXX to request a verification and explanation of the revised FHA Recovery Modification since once again, the numbers didnt add up, especially Mortgage Advances For Escrow and the Partial Claim Amount since these were the two numbers that changed the most from the previous packet and where the numbers where inconsistent the most. My Consultant was very concerned these numbers were being manipulated as Carrington Mortgage did in the past. This reoccurring situation reminded me like the inception nightmare in XXXX. XXXX responded wanting my Consultant to call. On XX/XX/XXXX, my Consultant called the number XXXX gave only to find out it was a general number. My Consultant spoke with Customer Service Representative and asked to be transferred to XXXX yet he refused to accept. It was claimed he was busy. Then the Customer Service Representative would not speak with my Consultant even though he is obviously Third party Authorized. My Consultant was told there is no record of my Third party authorization but then the Representative stated it was expired which is now a contradiction. If there was no record then you would not know if it was expired or not. Only I can expire my Third Party Authorization. The Third Party Form submitted had no expiration date on it therefore it has been tampered with. My Consultant confirmed that his first name was illegally changed by Carrington Mortgage from XXXX to XXXX on the Third Party Authorization. As such, a new Authorization was submitted online thru my online account. This Authorization needs to be obeyed! Carrington Mortgage is in violation of tampering with my Third Party Authorization. My Consultant has been assign this designation since inception ( XX/XX/XXXX ) and Carrington Mortgage is well aware that my Consultant is the primary contact on this account. This shows the Carrington Mortgage continued EGRIGIOUS NEGLIGENCE. Once I received the FHA Recovery Modification, during mediation, there was a representative from Carrington Mortgage from their Loss Mitigation Department, XXXX XXXX, who SIMPLY REFUSED to verify several Modification Details so that I can sign off on the FHA Recovery Modification. Carrington Mortgage PURPOSELY put the deadline date of the FHA Recovery Modification to XX/XX/XXXX even though the mediation date was XX/XX/XXXX. This was to try to force the me to accept the terms of the Modification before verifying the numbers during mediation. I was being bullied during the last mediation on XX/XX/XXXX to take the deal without having the numbers verified by my Consultant. Carrington Mortgage was using scare tactics stating if you do not take the deal it can be taken off the table. I thought only the FHA could remove the deal since they are the ones who approved me! The numbers simply were not adding up. No one should be FORCED to sign a loan without being able to have the numbers make sense. Since the Mortgage payment would increase from {$1400.00} to {$1900.00}, an increase of {$480.00}, interest rate would increase from 3.25 % to 6.875 %, more than double of an increase, and my 30 year loan would be a 40 year loan, my Consultant definitely needed clarification! I was being intimidated during this mediation. I was worried that Carrington Mortgage was padding numbers like they did when the Mortgage was initially taken over by Carrington Mortgage. This was when, as stated above, my Consultant caught Carrington Mortgage in MORTGAGE FRAUD and thus the reason why I am dealing with their NEGLIGENT FORECLOSURE today. Carrington Mortgage, as stated above, TAMPERED with my Third Party Authorization in order to exclude my Consultants attempts to verify the Modification Details. I believe Carrington Mortgage is trying to get away with their continued EGRIGIOUS NEGLIGENCE. As you are well aware, I have a right via RESPA to have all numbers verified and explained where they came from. Carrington Mortgage disregarded my rights and brushed me off during mediation on XX/XX/XXXX. Carrington Mortgage claimed they do not know where the numbers I was referring to in the FHA Recovery Modification packet yet it was on the front coversheet! Just one example of Carrington Mortgage playing games during mediation. Carrington Mortgage violated my rights as per the Real Estate Settlement Procedures Act of 1974 which requires Carrington Mortgage to provide me and my Consultant with pertinent and timely disclosures regarding the nature and costs associated with their real estate settlement process. The Act also prohibits specific practices, such as kickbacks, and places limitations upon the use of escrow accounts. Carrington Mortgage was guessing on how the numbers were derived and even lied to me on how they were calculated and where they came from. The Mediator stated that there needed one last mediation in order to verify the Modification Details yet Carrington Mortgage did not want to commit until they saw what I would do next. Carrington Mortgage REFUSED to eliminate inflated legal fees and foreclosure costs and REFUSED to pay for my Consultant fees yet it is Carrington Mortgage EGRIGIOUS NEGLIGENCE that put me in this NEGLIGENT situation. I made a Good faith payment to Carrington Mortgage via XXXX on XX/XX/XXXX as advised until the numbers can be verified. ( XXXX XXXX from XXXX ) Once the payment was made, the Defendant was waiting for information on the next mediation date. Instead, I received a letter on XX/XX/XXXX from mediation stating on XX/XX/XXXX the mediators final report has been filed and mediation time period has been terminated since Carrington Mortgage would not allow another mediation meeting. CARRINGTON MORTGAGE SINCE INCEPTION OF MY MORTGAGE ACCOUNT FROM XXXX, REFUSED TO HONOR THE INITIAL MODIFICATION SETFORTH BY XXXX. CARRINGTON MORTGAGE COMMITTED MORTGAGE FRAUD, CLOSED A CURRENT ACCOUNT TO ILLEGALLY FORCE A FORECLOSURE TO SUBSTANIALLY PROFIT AND REFUSED TO ADHERE TO FHA/HUD LAWS AND PROCEDURES. THIS IS EXACTLY WHY I AM IN THIS EGRIGIOUS SITUATION. FAST FORWARD, CARRINGTON MORTGAGE CONTINUES THEI NEGLIGENT WAYS BY PLAY GAMES AND STILL REFUSING TO ADHERE TO FHA/HUD LAWS AND PROCUDURES. THEIR EGRIGIOUS NEGLIGENCE NEEDS TO STOP IMMEDIATELY. AS YOU WELL KNOW CARRINGTON MORTGAGE HAS A REPUTATION FOR ILLEGAL PRACTICES INCLUDING MORTGAGE FRAUD THEREFORE, CARRINGTON MORTGAGE NEEDS TO STOP MISMANAGING MY ACCOUNT AND CEASE ALL MORTGAGE FRAUD INCLUDING THE MANIPULATION OF AMOUNTS OWED. I SHOULD NOT HAVE TO BE EXPOSED TO SUCH EGREGIOUS BEHAVIOR. CARRINGTON MORTGAGE PURPOSELY CHOSEN ILLEGAL TACTICS TO PUSH AN ILLEGAL FORECLOSURE TO MAKE MONEY OFF MY MORTGAGE AND THANK GOD MY CONSULTANT CAUGHT THEM. CARRINGTON MORTGAGE CONSISTENTLY IS PROVING MORTGAGE FRAUD, MISMANAGEMENT, EGREGIOUS NEGLIGENCE, HARASSMENT, AS WELL AS AN EGREGIOUS DISREGARD OF FHA LAWS AND PROCEDURES, WHILE MANIPULATING EVENTS, CORRESPONDENCES, AND AMOUNTS.