Consumer complaint received 2016-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Two years ago my mortgage XXXX XXXX XXXX sold my mortgage to Carrington Mortgage. I 've been having trouble paying my mortgage due to decrease in income. However, due to the type of loan I have ( FDA ) a modification was denied by XXXX twice. Noting XX/XX/XXXX when I paid my mortgage, my payment was slip into two payments. As if I was paying particle payment and not paying late fees. This went on until I notice at the in of XXXX XXXX. Th amount that was requested from Carrington Mortgage was in an excess of over XXXX dollars. I then in inquired and was told I had been making particle payments. and particle payment was not accepted on late mortgage. This puzzled me. I payed the amount that was request by the Carrington and according to my bank draft I never authorize more than one payment per month to Carrington. This went on until XX/XX/XXXX, I had an excess that I paid because Carrington requested it. Every time I would try to clear a bill to bring my mortgage current I would hear the same reply " We do not accept particle payment, and in order for us to apply the excess you mortgage needs to be current ''. By now my excess is over XXXX dollars which would certainly ease of my monthly note. Carrington sends me a letter if I 'm 31 days late with intention to foreclose. XXXX XXXX I received a message from Carrington left on a contact number. The voice mail included my property address, my name, the reason for the call. The agent specifically stated that was going to foreclose on my home. This message was retrieved by someone else and I contacted Carrington and informed them that I am 30 days late and they ca n't start foreclosure on me according to Louisiana 's law. I was affected by the flood. I live in XXXX, Louisiana. No doubt the area flooded, President Obama gave a press conference from XXXX, Louisiana. XX/XX/XXXX I received several calls from Carrington Mortgage asking if my home was damage in the flood. Due to prior history I displayed distrust and did not answer the question and told them I would contact them at a later date after I research should I disclose this information. On XXXX XXXX, after research I called them and asked what assistance I would qualify for? I was told that they had removed the flag because I stated that my home was not damage. I told them I had our conversation recorded and I never stated my home was not damage. I was then ask how much did the insurance cover. I replied I did not have insurance. I was placed on a long hold. Then the agent returned and instructed me to go online and download a package and she had to request the flag to replace on my file. I then asked for the package to be mailed to me. I also asked what assistance is Carrington providing, a hold on mortgage for several months? Or Maybe hold on mortgage for several months with payment due at end of month? I was told non of these questions could be answered. However, today is XXXX XXXX, XXXX and a get call from Carrington about late mortgage for XX/XX/XXXX. I would like someone to give me option as related to disaster mortgage relief. Not just fill out a package. Everyone else that was affected I have conversated with, mortgage company gave them options up front and was transparent with their lenders. I continue to struggle with a company that I feel is trying to foreclose on me everyday. Also do so prematurely.

Company response to consumer: Closed with explanation