Consumer complaint received 2021-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage LLC is trying to evict me from my permanent residence and eventually try to force me into foreclose and take possession of my house, and sell the house as a means of reclaiming as much of the money still owed on the loan as possible. There seems to have been some uncertainty of this loan when it was transferred from XXXX to Carrington which happened back in XX/XX/XXXX in the heart of the pandemic. 

My last mortgage statement from XXXX was due for a XXXX which they received on XX/XX/XXXX, then abruptly sold the loan to Carrington. I was giving XXXX XXXX in reality monthly to off set some escrow shortages. I received a letter from XXXX saying the loan was sold to Carrington, but with no new loan number fir them, or information where to forward my money. The loan number was given to me verbally by someone that said their name was XXXX XXXX XXXX in XXXX, XXXX. I was told verbally at that time it takes about 90 days to set up transferred accounts and would have to wait on statements. 

I went on line to find out some information about Carrington to see if they had a website .I found it odd that their web site to submit payments was not secure. So immediately set up bill pay through my bank. They have been getting paid through this safe method and I can also track it monthly. Sometime this summer they had sent me a letter saying they werent getting any money from me, and I had to backtrack to the bank to show them someone was getting it but where they were applying it I did not know, only to find out my account was not officially set up. 

Carrington is trying to use unscrupulous practices of their business trying to offer me their brand of repayment plan completely devoid of FHA guidelines. Im am in bankruptcy also and, am paying a trustee monthly. I have been paying Carrington each month since the transfer, and they received the most recent payment on XX/XX/XXXX. 

I had submitted a letter to the mitigation department of Carrington requesting a forbearance on XX/XX/XXXX, requesting them to place the owed payments on the back end of my loan. I also explained to them Im a XXXX XXXX and that my job had been negatively affected by Covid 19 when the world shut down in XX/XX/XXXX. I told them I do not get personal, sick, personal days available to me. I also told him I was out with a bout of XXXX that begin around XX/XX/XXXX of XXXX. I have not heard from them since. 

I have lived in my house as my primary residence since XX/XX/XXXX. and do have the means to pay my monthly mortgage payment and be safe. I am not burdened with costly home repair bills and maintenance. In addition, with a fundamentally sound place to live and make my payments in order to keep my home.. 
Im just asking that Carrington be righteous and just in their business practices. They are not under XXXX XXXX or XXXX XXXX but since Im a FHA mortgage holder I know they must follow FHA guides lives and not completely be ignorant of Tge Cares Act and that the initial impact of Covid 19 is very real then and now. Carrington is not exempt in following FHA guidelines. 
I last spoke to a XXXX and a another person named XXXX at Carrington on XX/XX/XXXX.

Company response to consumer: Closed with explanation