Consumer complaint received 2015-08-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a veteran with VA guaranteed mortgage that I have been paying to XXXX XXXX XXXX { XXXX }, on time with no problems, for the last 4 years. XXXX 2015 I get notice from XXXX that on XXXX XXXX, 2015 my mortgage will no longer be serviced by XXXX, but transferred to Carrington Mortgage Services { CMS }. The notice from XXXX stated in writing that NOTHING would change in regards to my mortgage, rates or my payments. Then I received a CORRECT escrow analysis from XXXX, as well as my homeowner 's insurance renewal that went up a little to {$420.00} per year. I then received my property tax assessment for XXXX County stating my new tax value had gone down drastically to {$140000.00} from the previous {$160000.00}. All of the above CORRECT information was sent from XXXX to CMS. However, I then receive notice from CMS that my new mortgage payment is now going to be {$910.00} { up from {$810.00} }. They state in writing that this is due to a shortage in my escrow account. They sent an escrow analysis showing my homeowners renewal of {$420.00} which is correct, but the they show a charge of {$900.00} again for insurance which is not correct making my total insurance for the year {$1300.00} when it reality it is only $ XXXX-So I contacted them to ask why they Stole {$900.00} out of my escrow account for no reason and why was my property tax assessment listed wrong by approx. {$20000.00} when the new assessment for {$140000.00} had just been issued. Their response was that the {$900.00} was for my insurance with some XXXX insurance company of which I have never heard of and have never had insurance with and by their own admission in writing CMS 's very own escrow analysis showed MY insurance so there was no need for any forced insurance or any other need or legal justification for them to steal money from my escrow account and now refuse to return it and correct my mortgage payment to the way it was and always has been. All the while they want me to pay the higher mortgage amount because they stole my money. I have contacted XXXX and CMS MANY, MANY times-I have recordings, that yes, they admit they took my money out of my escrow account and sent it in error to XXXX and that it is all going to get fixed soon. It has now been two months and they are sending intent to foreclose letters. They record all calls so I did too. I asked if I should pay my original correct mortgage amount they said no { on recording } not to pay it and that there will be no foreclosure, all late fees waived and my mortgage will get corrected as soon as they get some random check for {$900.00} back from this XXXX insurance that CMS swears has already sent it to them but they still do n't have it and do not know who they spoke that said it was ever sent. I have also contacted the department of veterans affairs as they guarantee my mortgage to make them aware and seek their help as well. It seems to me this is a complete scam mortgage servicer. As immediately upon receiving my mortgage they STOLE my escrow money, raised my mortgage and my property taxes-even though they have been provided all DOCUMENTS proving their mistake and even though the admit their mistakes over the phone-they still will not fix the issue and are trying to take my home of which I have never paid late and never missed a payment in 4 years-This can not actually be possible-I have uploaded all the documents proving they stole my money and are now stealing my home. I do have many recorded conversations between them and I which can not be uploaded on this site-I am sure I am not the only one they are doing this to and someone needs to stop them-PLEASE HELP ME no matter who I contact they are not fixing the mistake they admit they made and are going to take my home.

Company response to consumer: Closed with explanation