Consumer complaint received 2019-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went through a loan modification several times on my own. I thought I could handle it. My father died seven months after his wife. His mortgage went into foreclosure after her death because the person handling his affairs didn't pay any of his bills associated with his property. So, after several mistakes applying on my own, I finally received help from a housing counselor and was approved for loan modification. I passed the trial period with flying colors and paid the mortgage on time for the past four months. This entire process had been one long traumatizing year. FHA approved funding for mortgage payments in the rears. I only needed to provide additional documentation for a permanent loan modification. Nonetheless, the mortgage company requested probate paperwork, requested that I transfer deed into my name as the administrator of my fathers estate, and a copy of my step mothers will. All requests were made over the phone and never in writing by several different people ( XXXX XXXX, XXXX XXXX, and God only knows who else ) each requesting different things and never for the same reasons and some offering legal advise or a denial asking for will. Nevertheless, I complied despite confusing answers ( one gentleman told me I had to get the paperwork in right away and XXXX XXXX said I had thirty days ) ; these two particular phone calls occurred consecutively over the course of two days. However, I was constantly called by different people often to the point where it almost felt like harassment ; for a lack of a better term. Still, I requested instructions in writing and they refused to provide them. While in court I received a call from XXXX XXXX on XX/XX/2019. I told her I was in court about the property and I would call her later. I called her back XX/XX/2019. Upon returning the call I was informed that my permanent loan modification had been denied because I had not provided the documentation in a timely fashion. I informed her that, I had in fact done so, and that I had also provided that same information to the mortgage companies attorney. Then, the reason for denial changed to a lien on the property. I wanted to know which one was it because I had never received any information in writing pertaining a lien and they claimed they had sent it to the property on XX/XX/2019. So, then XXXX XXXX emailed a paper to me that same day in a matter of sections about the lien. Nevertheless, I had received a call from a women named XXXX around XX/XX/2019 telling me that she had found a lien but that she had resolved the issue and I had nothing to worry about, the lien had been satisfied, and she told me if I had any problems in the future all I had to do was call and ask for her because she was the only one in loss mitigation with the name XXXX who did title searches, and she said she would remember me because she had to work really hard to resolve this issue with serval phone calls and due diligent research. By the way, The mortgage company is now also refusing to provide specific information about the lien holder, authentic contact information so I can dispute and or authenticate the lien and they told me on XX/XX/2019 that the house was back in foreclosure and going to sheriff sale immediately. Now, I am being forced to spend money, I don't have, to retain a lawyer!

Company response to consumer: Closed with explanation