Consumer complaint received 2016-03-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX qualified for Save the Dream Program XXXX. Payments were paid to XXXX XXXX XXXX until XXXX XXXX XXXX when account was sold to Carrington Mortgage then the payments were paid to Carrington Mortgage starting with XXXX XXXX XXXX each month ( they did not receive the XXXX payment until in XXXX or XXXX because They told me Carrington M. Had not returned the paperwork to accept the program. Ohio XXXX contact Carrington M. asked why. I was told that Carrington M said they had not gotten around to filing the paperwork when the paperwork was received by Ohio XXXX they sent them the past due amounts ) thru XXXX XXXX XXXX in XXXX XXXX XXXX i started paying my house payment to Carrington Mortgage. I received a statement stating my house payment increased from {$740.00} to {$840.00} I called and told them this was wrong. My payment was {$740.00} they said i was behind on my payment buy {$2300.00}. i said that not possible my payments were paid by Ohio XXXX. I was told the payments had not been paid. I called Ohio XXXX. The payments had been paid i then receive a statement stating i was {$1500.00} past due. and found out that my payments were placed in an account titled Unapplied Funds with a total of {$2300.00} in it. Because Carrington M increased my payment and held the payment paid, was charging late fees each month and had the money in the Unapplied Funds. I paid my payment on XXXX XXXX of {$790.00} deducted from my account on XXXX XXXX ( all House payments are showing on my bank bill pay as HOUSE for my convenience ) in XXXX i received a statement for the total amount due of {$2300.00} i called Ohio XXXX again they had to straighten Carrington M out again. I paid {$820.00} for XXXX and for XXXX, XXXX, and XXXX and forward i paid {$780.00} each month. As you can see in compareing my XXXX Bank Bill Pay with Carrington Mortgage own records that my account compares to the same payment date of with draw from my account. I paid full payments plus for 5 months meaning I paid in interest over {$2000.00} not the {$1200.00} that they reported to the IRS. I have called Carrington Mortgage since XXXX XXXX Four times about their mistake they tell me i did not pay this much in interest I sent them the same attached information as I have sent you. you will also see where they have charged double interest in XXXX and XXXX. I have my Taxes to file and they are holding me from filing my taxes because their wrong reporting to the IRS what they reported and said I paid is what Ohio XXXX Paid and what Ohio House paid is what I paid they have the XXXX figures switched. They will not listen to me or pay any attention to my statements or their own recordeds. Please help me. I dont know if someone is trying to swindle money or what i just know what I paid and that every since they have had my account they have tried to say im not paying what i have paid and trying to get me to pay more. I need to file my Taxes and my INTEREST PAID ON MY HOUSE NEEDS TO BE CORRECTED FOR ME TO FILE TAXES.

Company response to consumer: Closed with explanation