Consumer complaint received 2024-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Loan # XXXX Carrington lying to me for a year, prolonged the situation. Then they give me a {$4500.00} offer that I cant afford, telling me its a Covid-19 Streamline Loan. My mortgage before my wife died and monthly statement up until today was {$2800.00}. Why are they telling me I have to pay {$4500.00} now, thats not a relief. They told me that if I get a modification that the debt would be cleared because there are still programs out there and that I would get the mortgage lowered from {$2800.00}. In all my denial letters it says nothing about the Probate Decree Carrington was telling me I needed. The title issue, the person has never lived here and is not a borrower on the loan. I told Carrington this. 

XX/XX/XXXX my wife died. I sent Carrington her death certificate, on XX/XX/XXXX they sent me an offer for {$1900.00} for first three months. I called them on XX/XX/XXXX and they told me that the offer was no good. Im on the deed of the house and married to XXXX XXXX, Im also one of the borrowers. For a year Carrington told me that I had a lien on the house title and that I needed a Probate Decree to receive a loan modification or a loan mitigation to stay in my home. I went to the county clerk to see about the title and they told me that there was no lien. The county clerk told me to tell Carrington to give me a copy of the lien. Carrington told me that they can not give me a copy of the lien. At the same time every conversation I had with Carrington they always tell me that I need a Probate Decree to stay in my home and avoid foreclosure. I go to the Surrogate Court and they tell me that theres no need for a Probate Decree because I live in New York, there was no Will left by XXXX XXXX, Im married to XXXX XXXX, and Im on the deed. I tell Carrington this and they still tell me that I need a XXXX XXXX. I also called a real estate attorney and they told me that theres no need for a XXXX XXXX. I also reached out to a bankruptcy attorney XXXX XXXX, who contacted Carrington on my behalf with me sitting right beside her in XX/XX/XXXX. She asked why I was being told I needed a Probate Decree and the man that she was speaking to asked her who in the office told XXXX XXXX he needed a Probate Decree and that XXXX XXXX has no put in for a loss mitigation or a modification. XXXX XXXX said if that was the case then why does he have XXXX denial letters. The man who works for Carrington stayed quiet for over two minutes and then tells XXXX XXXX to tell me to put in for another loan modification. Why is Carrington lying to me and telling me I have liens on my title and that I need a Probate Decree to stay in my home and avoid foreclosure? Carrington employees from XXXX, XXXX, XXXX XXXX, XXXX and a couple of other employees told me if I clear the lien from the title and get the Probate Decree that I would have the back debt wiped clean and the mortgage lowered. None of these things pertain to my situation with my wife XXXX and me being a co-borrower. Why isnt Carrington giving me a fair monthly payment? Then out of the blue after XXXX XXXX put in the complaint for me, Carrington sent me an offer paying {$4500.00} a month. I also told them in XXXX that XXXX XXXX had died, he was also a co-signer. Then they sent me paperwork that needed to be notarized and signed by XXXX ( my daughter ), XXXX XXXX ( who is dead ) and myself. I called Carrington and told them I was still waiting for the death certificate and how can XXXX XXXX sign if he is dead. They told me not to pay the {$4500.00} because the offer had to be rewritten ( I have the email from the employee ). I was also told that they were mailing me the new offer, which I never received in the mail. I later spoke to another employee and they told me that another offer was being mailed so that I can make a payment before XX/XX/XXXX, I never received that one either. It seems like Carrington didnt want me to make a payment before XX/XX/XXXX. Im also told that there is a sale date on my house for XX/XX/XXXX, but Im getting mail and texts from realtors saying that the sale date is XXXX, XXXX. So why is Carrington lying to me again? My court case started in XXXX with Carrington. The court sent me a letter saying that all court cases were being cancelled due to XXXX. I hired a lawyer who stole my money and didnt represent me. I reached out to their lawyer XXXX XXXX ( I have emails as proof ) who gave me time to hire another lawyer ( XXXX XXXX XXXX ). I reached out to the XXXX XXXX XXXX to let them know what happened and why I didnt have a lawyer representing me. They still went on with the foreclosure.