Consumer complaint received 2020-08-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX My fha loan was broker out from XXXX XXXX XXXX   to Carrington mortgage service due to the covid-19 and because they went up on there credit score. Few weeks went by then oon. XX/XX/XXXX I received a text message from my loan officer ( XXXX XXXX ) stated that underwriting approve my loan with ( Carrington ). On XX/XX/XXXX I was sent a approve email and 3 day disclosing. Then on XX/XX/XXXX @ XXXX I received a email from a attorney office stated that they firms was handling my property closing and I was scheduled to close on XXXX, XXXX at XXXX. And I need to wire transfer my 3.5 percent on XXXX XXXX which I did. Well on XX/XX/XXXX @ XXXX I should up to closing they stated that they didn't sent over the final contract. The same day I contact my loan officer ( XXXX XXXX ) and he stated that he contacy them ( Carrington ) and waiting on reply. A other few week went by I wasn't get any answer from city worth or Carrington. On XX/XX/XXXX I received a other 3 day disclosure and closing date was a XX/XX/XXXX but two days The on XX/XX/XXXX, @ XXXX I received a text message from my loan officer ( XXXX XXXX )  stated that underwriting ( Carrington ) won't let us closing because a old collection from back XXXX and that I had to pay it off for us to close. Which I did then on XX/XX/XXXX @ XXXX I received other messages from loan officer ( XXXX XXXX ) stated that we was waiting on CXXXX. A other few weeks went by without no response from both company. On XXXX XXXX I received other message loan officer ( XXXX XXXX ) Stated the XXXX won't let closing because of tax return and request irs transcript. ( Mean while XXXX XXXX loan was extended the contact on the house with the seller 5 time by now ). By XXXX XXXX I have heard anything from both company. On XX/XX/XXXX @ XXXX. I received message from loan officer stated that the underwriting ( Carrington ) wasn't responding. Then on XXXX, XXXX, XXXX I received a other message from my loan officer ( XXXX XXXX ) stated that now underwriting stated they the collection and tax was clear and now Underwriting ( XXXX ) stated that i can't use {$4700.00} of the XXXX that the attorney already have she stated that it couldn't be source. Meanwhile ( My Family of XXXX are living in hotel waiting in closing date ). I work on source a other {$4700.00} which i came up with it with my saving and pay check. On XX/XX/XXXX I received other message from my loan officer ( XXXX XXXX ) stated now she at underwriting stated there other issue ( Carrington ). Then on XX/XX/XXXX, I received a message from my realtor for me to sign a ( unilateral notice to terminate contract and disbursement if my XXXX earnest money to the seller ) which i didn't sign. Because don't want to lose my {$3000.00} earnest money. But I never received any other information about my loan so I'm waiting in hotel for a denial letter or something. I'm lost the house because they won't extended the contract anymore.. so I'm XXXX with family of XXXX.

Company response to consumer: Closed with explanation