Consumer complaint received 2023-10-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay 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

Complaint:
Last Summer, I lost my job and fell behind on my mortgage. 

In XX/XX/XXXX, I received a Notice of Intent to Foreclose from my lender, Carrington Mortgage. I immediately applied for mortgage assistance through the state of North Carolina. While I was under review, Carrington Mortgage reported me late twice - reporting a borrower as late while under active review is not legal. 

In XX/XX/XXXX, my wife was served Foreclosure papers and cried when a police officer taped a notice to our home in front of several neighbors walking by. My wife was in shock and became distraught at being served by a police officer while under consideration for mortgage assistance. 

I was out of town for a family emergency, but I called the contact with whom I had been discussing our mortgage relief. I was told Carrington Mortgage should not have taken action on the foreclosure proceedings. The following day, Carrington Mortgage placed us in a COVID forbearance plan but did not so much as apologize for the mistake. 

By XXXX, we had received mortgage relief covering the full back amount owed. I called the mortgage lender 's attorney and asked for them to halt the proceedings. A day later, we were advised the proceedings were indeed legally halted. 

Throughout Summer, we were bombarded with letters of offers to buy our home in cash and were harassed by drive-bys and knocks at our door by creepy strangers interested in our home. This did not go unnoticed by nosy neighbors, the worst of whom spread rumors about our imminent foreclosure. 

My wife called the attorney and explained the issue and was advised they could do nothing about third-party reports due to the initial foreclosure filing at the courthouse. 

Last month, my wife called the courthouse clerk. She discovered our foreclosure status still held - our property was still reflecting a pre-foreclosure status XXXX months after being told it was legally halted. 

From illegally serving my wife foreclosure papers to the complete disregard for legally stopping the wrongful foreclosure in XX/XX/XXXX, the aggressive and reckless behavior of Carrington Mortgage has caused my family a great deal of pain, suffering, and XXXX. 

Nasty neighborhood gossips have had a field day in speculating on our mortgage status. My wife is still terribly shaken by her interaction with a police officer before an audience of nosy and judgemental soccer moms. Carrington Mortgage trampled our rights and terribly disrupted our peace, and I expect the lender to be held accountable for each illegal action. 

I reached out and asked Carrington Mortgage to settle with us for carrying out a wrongful foreclosure, but I have yet to hear anything from the lender or their legal team. Therefore, any assistance you can offer will be greatly appreciated.

Company response to consumer: Closed with explanation