Consumer complaint received 2023-05-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

CFPB XXXX Complaint in response to Carrington Mortgage Services response to complaint dated XX/XX/XXXX, and supplement response by CMS dated XX/XX/XXXX, sent by XXXX to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Consumer Advaocate at CMS. 

Re : Loan # XXXX Case # XXXX Borrower : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX To Whom It XXXX Concern at CFPB, I am filing a third complaint against Carrington Mortgage Services because of the response sent by XXXX XXXX to my lawyer and the CFPB being in a manner that is inconsistent with the truth and facts that are provable with evidence. The response from CMS is so disturbing to me that I feel it necessary to address each area of concern separately, so it is given the attention to detail needed in the matter. 

This complaint concerns the XXXX HUD loan that was modified into a regular FHA mortgage in XXXX of XXXX. My original mortgage was with XXXX  XXXX XXXX, and my loan closed in XXXX of XXXX. My loan was sold to Carrington Mortgage Services, who subsequently sold it to XXXX  XXXX, who uses Carrington Mortgage Services as its mortgage servicer. 

After my modification was recorded in XX/XX/XXXX, I have made regular monthly payments on time. Suddenly, after filing a complaint against Carrington Mortgage Services with the CFPB about incorrect credit reporting, my XX/XX/XXXX payment was returned to my bank account electronically after they held on to it for 11 days. I immediately sent the payment out again. Carrington Mortgage Services just returned my XX/XX/XXXX payment for a second time. 

I am deeply disturbed and concerned about this uncharacteristic mortgage servicing behavior. I believe Carrington is trying to make me miss a monthly payment on my modification so they can state that I violated the terms of the modification within the first year so they can proceed with either the acceleration clause or start pre- foreclosure processes. 

I have contacted my lawyer that handled my civil suit against the XXXX contractor to ask for a referral in this situation. I have also reached out to the HUD counselor I worked with, XXXX XXXX XXXX that helped me with the modification process, the HAF application and NJERMA. 

I am very concerned that Carrington Mortgage Services will send out a work order to a subcontractor to break into my home and change the locks again while I am at work. I have prevented this from happening the last five months on four different occasions since my modification was recorded in XX/XX/XXXX. I have each subcontractor on video, which is dated, and time stamped. 

I am at a loss as to how to notify XXXX  XXXX and make them aware of what their mortgage servicer is doing to their customers without their knowledge. I will be reaching out to a basic customer service banking line to try and get through to their mortgage department on Monday. The Dept of HUD needs to be made aware of the actions of this company as well. I would appreciate any and all help or guidance this bureau can provide me in this very serious matter. 

Best Regards, XXXX XXXX