Consumer complaint received 2019-02-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom this may concern This is the second complaint I am filing with carrington mortgage. I feel though my first complaint has not been answered these are issues that have been happening and are still ongoing. 


Issues with carrington mortgage Part 2. 


I never received notice my mortgage was transferred Carrington wasn't reporting my Loan until 3 weeks ago when they finally showed up on my credit report. They are reporting me 60-90 days late. They also are reporting that the loan is 9 years and 2 months old. It's saying opened since XX/XX/XXXX which is inaccurate. 

Carrington is NOW telling me my loan was behind when it was transferred. 
I spoke with XXXX XXXX XXXX. And they confirmed that my loan was up to date when it was transferred. 

I was able to access in account online. And it was very confusing. 
It's showing a unpaid not made on XXXX I was still a boa customer. In fact I made a payment to boa on XXXX. 
And the XX/XX/XXXX payment still is not posted to my account. So as of today almost 2 months later that payment issue is still not resolved because my account online does not reflect that I still can not make a payment online. 

Is my 1098 from carrington is not accurate. Payments are not reflected on the interest. 
- just looking online at my payment history by the interest paid by the payments received my 1098 should read XXXX paid to date. Yet it reads XXXX. 
- XXXX  reports from my XXXX XXXX interest paid to date - Between both mortgages I paid a total of XXXX. With a average of XXXX paid of interest per month - I still do NOT understand or have any explanation from any representative for claiming my loan is delinquent even after consistent emails, phone calls and follow ups. 


From looking in payments made to carrrington, I have 3 payments made to them on XXXX XXXX XX/XX/XXXX XXXX. Yet my 1089 from carrington does not reflect that And the most recent payment I sent by mail on XX/XX/XXXX. 

If my loan started on XXXX. That would be 5 months intern with carrington. On my end I owe carrington XXXX addition payment To be up to date. 


I still have not received a account statement and have never received a statement on a breakdown of my loan Carrington is leaving unsealed, hand deliver notes on my door with all my personal informations I received several letters from carrington all conflicting. From suggesting I have property damage to mortgage assistance All which I faxed over to Carrington with concerns I am constantly being told of in danger if foreclosure when all I want it to pay my mortgage and my account to be accurate. 

You can not email Carrington. Not even they they website. You can not upload documents with proof or concern you can only fax and even then Carrington will not confirm documents are received They also claim they can not make outgoing calls when requested Since XXXX I been working With a associate XXXX XXXX on getting my account update. I requested since there's so many issues that I only Want to speak with her reguarding my account until all issues are resolved which she understood and agreed. 
I still get and are getting constant calls for other agents from carrington. 

My last payment was made XX/XX/XXXX which I sent by check and a required signature since my bank blocked any Carrington payment because of the unauthorized attempts in XXXX My bank flagged them as fraudulent. 

Till this day I do not even know where my account stands. I get conflicting stories even time i speak to XXXX XXXX of other issues. 

Looking over my account statement online I was charged fees that nobody can explain to me and fees which I did not agree to. Every statement since I been with carrington I was charged a XXXX for a home inspection. 
I was always charged a XXXX service fee to make my payment online. 
Neither of these fees existed were my originated from XXXX XXXX XXXX. 
Fees only started when carrington took over my mortgage Carrington also stated I am delinquent From XXXX from my online statement yet I was still a XXXX XXXX  XXXX. 
I made my last boa payment on XXXX Lastly Called XXXX XXXX XX/XX/XXXX to confirm payment as disscuss Left voice mail for call back Additionally Called XXXX - XXXX XXXX Followed up with 3 email addressing concerns With no emails or call back

Company response to consumer: Closed with explanation