Consumer complaint received 2015-07-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

XXXX XXXX XXXX sold my loan to Carrington Mortgage On XX/XX/XXXX, By XX/XX/XXXX I did not receive any information to where to send my payments. I called XXXX XXXX XXXX and they gave me their number. I called Carrignton Mortgage to find out about a policy # or acct # to send my payments to and they said that they were very busy procession the paper work for the transfers from XXXX XXXX XXXX and that they will send the information soon. We received a letter saying the same and that they will forgive any late fees for XX/XX/XXXX because of the time that they are taking to process the acct transfer. Finally, XX/XX/XXXX we receive the information need it to make payments and we started to send payments. XX/XX/XXXX we received a letter saying that our mortgage was going to be process for Foreclosure because we had late payments. I contacted them right away and disputed they will give me the run around and not resolve issue in the mean time I continue to send my mortgage payments and they continue to return every payment starting XX/XX/XXXX and every month after that. After numerous calls and messages left with customer service and voice mails. Finally XX/XX/XXXX someone from the reinstatement office gets on the phone and says that to reinstate my account we had to pay all the months that they returned ( " behind '' his words ) as a certified check. I went to bank to get certified check and just to make sure on the $ $ $ amount I called again and they told my that the dollar amount given to me before by one of the CS rep. was wrong that there was a lawyer '' s fee and late fees of about {$3000.00}. I disputed that with him and he said he will call back. Every time I will call to find out status of my dispute they will say that reinstatement office was busy they will call back and in the mean time XX/XX/XXXX was running to XX/XX/XXXX and I knew that they will add more fees ... I finally threaten them with Class Act Law suit and finally someone got interested on my case. I hired a lawyer to help me out with the unjust late fees and the other charges they wanted me to pay. Finally, XX/XX/XXXX they waved the late fees and lawyers fees which should have never even been an issue due to how long it took on their end to process the transfer paper work. Finally I thought the nightmare was over when XX/XX/XXXX I find out that they also, had ruined my credit record by flagging it with late mortgage payments. Now I have gone to my lawyer again to resolve the Credit report Issue. Three month ago we received a higher mortgage payment from what I know that should never change. I disputed that and they gave me a vague reason which I disputed and they waved that. Now for XX/XX/XXXX we again receive a new higher mortgage payment and their reason now is that We are being charged for the lawyers and late fees for all the months that they kept rejecting my payment going on from XX/XX/XXXX to XX/XX/XXXX including Foreclosure lawyer 's fee again. This Mortgage is a SCAM. I can not get out of this mortgage they have ruined my credit, I feel like I am in a hole I ca n't get out. I feel trapped. This is very frustrating and very intriguing to me since XXXX XXXX XXXX also, had a Class Act Law suit a few years back for doing this to their customers and that the way they transferred our account to Carrington Mortgage just with a blink of an eye it seems very suspicious to me.