Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

I am a victim of Wells Fargo Mortgage Mismanagement as a result of Loan Mortgage I secured from XX/XX/XXXX, for a home which I owned until XX/XX/XXXX. Since XX/XX/XXXX I have made payments to XXXX XXXX XXXX XXXX XXXX XXXX. It is my understanding that Well Fargo is the trustee for XXXX, my current lender? However, I have three separate accounts for each lender and none have been reconciled. No matter how much I paid, I still appear behind under any of those names because my funds are still in XXXX separate accounts and Wells Fargo refused to combine the total amount paid or to provide correct payment history. I paid to XXXX in XXXX and to XXXX from XXXX to XXXX, however, none of those entities appear in my credit report and I did not get credit for those payments. I was deceived into believing XXXX Mortgage XXXX. bought my XXXX from XXXX in XXXX. However, I have already made payments to XXXX Mortgage XXXX, in XXXX as well, prior to the date reported on the credit report ; without clear understanding that the names were interchanged and from being scammed. While XXXX Mortgage was reflected on my credit report dating back to XXXX, XXXX and XXXX are totally left out from the credit reports as well as the multiple payments made to those entities were just stolen.Nothing was reported or credited from XXXX to XXXX. On XX/XX/XXXX I was removed from my home and taken to the hospital, when Wells Fargo agents told me I was evicted. I was wrongly foreclosed, I had no hearing before a judge. Upon searching, I later found an illegal foreclosure filed by Wells Fargo during XXXX XXXX in XXXX of XXXX, after foreclosure and evictions were banned due to COVID Law. I was not notified of the foreclosure, there was no hearing, I could not get justice because the courts were closed due to COVID. I have had ongoing cases against Wells Fargo and their its other names from XXXX to XXXX, attempting to resolve the issues of mishandling my mortgage payments, refusing to disclose payment history, back billing me, double billing, false credit reporting, high interest charging, embezzlement by converting my checks to duplicate and making multiple automatic withdrawal from my account without my consent. Wells Fargo refused to rectify my mortgage loan accounts. My Bank Account was overdrawn and I had to pay bank fees. My previous Attorney found out that another mortgage was also taken out on my name and on my home by another individual from Wells Fargo unbeknown to me after closing. This led to my mortgage getting higher and higher, no matter how much payments I was making. I have attempted to negotiate several times but I was given false and misleading information and Wells Fargo was not willing to rectify the mistakes butrather move to foreclosure. Wells Fargo breached their own contract by cheating and falsifying payment history, back billing, double billing, check fraud, charging high interest rates, reporting false information on credit report and increasing mortgage payments contrary to the Mortgage Agreement and by using various names to confuse the Borrower. Opening separate accounts for the same borrower, keeping the payments separate, refusing to combine the payments. Which made it impossible to catch up on any of the accounts. As soon as I paid a lump sum amount, I would receive another phone call stating that I was still behind and then I would pay with original checks but the checks were later converted to substitute checks and drafted as additional payments without my knowledge. The original checks were cashed and the substitute checks were used as repeat payments. After being exploited through various illegal financial activities, my funds were exhausted. Then, Wells Fargo used again illegally forced me from my home by stating that I was evicted. Neither foreclosure or eviction should be a surprise because I should be properly notified and served and have an opportunity to go before the judge. However, I was not, I was evicted to the hospital and had nowhere to stay. I would like to apply for relief for wrongful foreclosure and theft and destruction of my personal belongings and my credit. Please let me know which documents I should forward and attach to email. Thanks.