Consumer complaint received 2023-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

CFPB 2nd Complaint in response to Carrington Mortgage Services response to complaint dated XX/XX/XXXX, and supplement response by XXXX dated XX/XX/XXXX, sent by XXXX to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX at XXXX. 

Re : Loan # XXXX Case # XXXX Borrower : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX To Whom It May Concern at CFPB, I am filing a second 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 most disturbing of which is the claim made by XXXX that the fully executed and notarized modification dated XX/XX/XXXX was never received by XXXX. I still have the original instruction packet that was sent by XXXX that included the modification and XXXX return packaging, along with the XXXX receipt of package drop off at the XXXX, NJ, XXXX site with tracking number of the package. 

I called the customer service number, XXXX, entered my tracking number, XXXX, and received the information that my modification package was received by XXXX  on Thursday, XXXX XXXX, XXXX at XXXX XXXX, signed by XXXX XXXX. A picture of the signed receipt may be obtained by CFPB if one visits the site fedex.com/tracking, and entering the above referenced tracking number. 

My lawyer, XXXX XXXX, also had his office send a registered and encrypted email that contained the fully executed and notarized modification package to XXXX Loss and Mitigation Dept. A fully executed copy of the modification was also sent to XXXX XXXX XXXX my HUD Certified Housing Counselor, who had written authorization from myself to work with XXXX on getting the modification and assisting in having the escrow repair money released to myself to finish the XXXX project. 

Finally, a fully executed modification package was sent to XXXX XXXX XXXX, Supervising Foreclosure & Litigation Attorney for XXXX  XXXX, the lender that owns my loan. She needed the modification in order to dismiss the Motion to foreclose in XXXX XXXX XXXX XXXX in XXXX, NJ. 

XXXX XXXX notified XXXX that my property is flagged as owner occupied formally and therefore, XXXX should no longer be sending subcontractors to photograph or enter the premises unlawfully. It was also recommended that I post No Trespassing signs on the property because the subcontractors are prohibited from entering or proceeding on the property grounds if these signs are posted. XXXX XXXX has been made aware by email of every continuing subcontractor trespassing because XXXX continues to send orders out to subcontractors even though XXXX XXXX has ordered XXXX to stop. The property is protected my video surveillance and every trespasser is recorded and saved for evidence. 

I am a single woman that lives alone and I have been personally confronted in very aggressive manners by these subcontractors when I catch them trespassing. I have been charged in hostile aggressive stances, been yelled at to my face, threatened that I have no authority to ask them to leave, and only under threat of calling XXXX  or police, do these contractors actually leave. This violates the quiet, peaceful enjoyment of living in my home by XXXX

The final and most disturbing of all actions by XXXX is the recent return of my XX/XX/XXXX payment 11 days after XXXX received it. I was lucky enough to notice the returned payment the very next day in my account. I immediately sent it out again electronically, as I do every month since my modification was recorded in XXXX XXXX. It is my belief that XXXX did this to show I defaulted on paying the XXXX payment by 30 days so that they may proceed with pre-foreclosure actions. I have worked for various banks for over 24 years and I know for a fact that mortgage servicers NEVER return any payments sent in to pay a debt. They will hold them in escrow while information is sorted out if there is an issue. 

In conclusion, since the XXXX XXXX modification was recorded, XXXX has never sent a monthly statement to my home address. They continue to send all correspondence or communications to my lawyers office address at XXXX XXXX XXXX XXXX XXXX, NJ, XXXX. XXXX has also accused me of abandoning my property at XXXX XXXX XXXX in XXXX, NJ to live at my lawyers office address. 
It is beyond an intelligent persons rational thought process as to how XXXX, a loan servicer, and not the lender of my loan, is able to take it upon themselves to over reach and cause such havoc and disruption unlawfully, as well as, destroy my credit for falsely reporting misinformation, and disregard the information sent by XXXX XXXXXXXX XXXX XXXX as to the dismissal of the foreclosure complaint, receipt of the modification dated XXXX XXXX, and to stop sending out subcontractors because the property is owner occupied as far as the lender is concerned, and yet XXXX continues to do so. 

I will be submitting each separate issue as an individual complaint moving forward so that each issue is given the attention it deserves from the CFPB. 

Thank you for your immediate attention in this matter. If you need to request any email communications or legal documents for further review, do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX