Consumer complaint received 2023-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
My family and I were removed from our home of 20+ years recently informed ; Filings appear under HUD as a conventional loan then another as a purchaser money first mortgage under XXXX  and CMS . 

HUD confirms there is no loan associated with my name, address, or social security number in XXXX. 

1. The company admits having two different addresses, two sets of loan documents, two of the same notices sent on the same day, under my name ; 2. Two loan transactions were submitted on two different dates appearing as my primary residence and another as an investment property ; 3. Correspondence states the file was inadvertently shredded 4. My property is appraised at {$400000.00} however filings show a value of {$800000.00} ; 5. The property search ran show wrong two different addresses, two different photos of the home, years the house was built, two counties, two loans, two appraisals, among numerous other duplications and incorrect information ; 6. Two statements for the same month with different amounts and other incorrect information ; 7. Escrow charges from the start throughout the life of the loan is 80-95 % lower than the actual amount owed per month ; 8. Escrow amounts recently provided show a monthly charge of around {$3200.00} for escrow alone with a yearly total of approx. {$34000.00} ; 9. Statement dates v. Due dates are days, months, or years different either prior to or after actual due dates ; 10. Coupons contradict above statements with incorrect information, addresses, YTD, payment history and amounts ; 11. ACH debits made on the first of the month in one amount not appear in accounting records until the XXXX of the same month shown in a different amount ; 12. XXXX claimed as being sent, to the wrong address, is entirely inaccurate showing the wrong mailing address, property address, mortgage execution date, past due amount, late fees, and other charges ; 13. Notice of intent claimed being sent while the account was current ; 14. There are two statements appearing for the same month with contradictory information ; 15. Duplicate fees on the same day, in the same month, 16. Allegations made by the company are entirely false whereas other third parties involved confirm communicating with me recently informed these same companies are now owned by the mortgage company ; 17. Amounts claimed being owed has recently been confirmed by the company who authenticated affidavits confirming the same ; 18. Mortgage recordings in the county are not the correct ones provided to me at closing ; 19. Numerous changes, added signatures, names, and information either crossed out or missing ; 20. POA filed with the county under my docket appears to be signed by several employees, VP, a corporate seal affixed, and notarized referencing a property in XXXX XXXX GEORGIA but I live in New Jersey, 21. Numerous requested information, filings, and other documentations claimed as never received have been discovered as being sent with confirmation in writing, 22. The company claims in writing have been assisting me in avoiding foreclosure since XXXX has been refuted by their own records confirming payments were made in excess of the actual amount owed per month ; 23. The default confirmed being improperly recorded was -not- by payments missed but shown after payments were returned by the company ; 24. A rescinded mortgage, among other federal disclosure documents claim to be not available since the prior servicer never provided such documents is false since Carrington Mortgage was the only company I communicated with from the very start.

Company response to consumer: Closed with explanation