Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Carrington Mortgage acquired my loan from XXXX in XXXX XXXX. At the time of my loan being transferred, I had not paid XXXX XXXX payment to XXXX yet. I called XXXX on or around XXXX XXXX, to make the payment but was told that I could not do so, as they no longer had my loan information. I was instructed to call Carrington, which I did the very next day. I was told by Carrington that I could not make the payment because my loan account had not been completely set up and established yet. I was asked to call back after XXXX XXXX, XXXX, which I did and the XXXX XXXX mortgage payment was made on XXXX XXXX. Due to not being able to make XXXX payment at that same time, Carrington offered me a mortgage assistance program, which I believed would lower my monthly mortgage for a certain time period so that I could deal with some unexpected financial matters relating to flooding basement and car repairs. So I began to work with Carrington on the paperwork this assistance. I was told on multiple occasions that no negative information would be reported to the credit bureaus about my loan within the first 60 days of the loan being transferred. Since the loan transferred on XXXX XXXX, XXXX, I was assured not to worry about any negative impact on my credit. Even so, I managed to borrow money to pay XXXX 's mortgage ( on XXXX/XXXX/XXXX ). I was informed by Carrington in XXXX that my monthly mortgage amount would actually increase more than {$100.00} per month with this mortgage assistance and that a 3 month trial payment would begin in XXXX XXXX if I accepted. I was told that the benefit in this is that I would n't have to pay XXXX ( which I had not paid yet ) or XXXX mortgage. After considering all options, I declined to accept this help. I clearly explained this to Carrington Mortgage during several telephone conversations and I did n't sign & return the acceptance letter. At the time that I declined this offer, it should be noted that I was not even 30 days past due in my mortgage. I borrowed money again and paid both XXXX and XXXX XXXX mortgage on or before XXXX XXXX, XXXX. I have never been 30 days past due with Carrington Mortgage Co. The XXXX XXXX mortgage was paid on XXXX/XXXX/XXXX ; the XXXX XXXX mortgage was paid on XXXX/XXXX/XXXX ; the XXXX & XXXX XXXX ( as well as any outstanding late fees ) was paid by XXXX/XXXX/XXXX ; the XXXX XXXX mortgage was paid on XXXX/XXXX/XXXX ; and the XXXX XXXX mortgage was paid on XXXX/XXXX/XXXX. I always pay at the end of the month because I take XXXX of the mtg from my first & XXXX from my second paycheck - but I have NEVER missed a payment to Carrington. I am filing this complaint because I was made aware today by my credit union, that Carrington Mortgage XXXX has reported to the credit bureaus that I am on a payment plan ( with a past due amount ) AND that I was 30 days past due more than 3 times since acquiring my loan in XXXX. As a result, my credit score has dropped from a XXXX to XXXX. I called Carrington Mortgage ( on XXXX @ approx. XXXX XXXX. ) and spoke with XXXX in customer service. She confirmed the negative reporting as correct. She informed me that Carrington reported me 30 days past due in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is completely inaccurate. 1. Carrington was not even the loan holder in XXXX XXXX - so how could they report negative information about that timeframe. 2. I was told on multiple occasions that no negative information is reported to the credit agencies for the first 60 days when loan transfers. 3. I was assured that no negative information would be reporting to the credit agencies while I was applying for mtg asst. 4. I did not accept the mtg asst, so Carrington can not report to the credit agencies that I am ( or have ever been ) on a payment plan with a past due amount! And 5. XXXX mortgage payments were made in on XXXX ( XXXX & XXXX XXXX ) & fees, so I have never been 30 days past due and there is no past due balance.