Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

To the Attention of CFPB : In XXXX I had my mortgage with CitiMortgage. I was in a hardship situation that is described in the attached letter. I appluied for a Modification with CitiMortgage and never got an answer from them, From XX/XX/XXXX to the time of sale to carringing XXXX continuously asked for papers I had sent them. I felt the were Dual Tracking and wanting to foreclose on the home. I feel that Carrington has also done Dual Tracking - saying they had not received information I sent to XXXX and currently with XXXX with their people. We have had to send duplicate fax 's to then numerous times. I was not aware that In XX/XX/XXXX my loan was sold to Carrington Mortgage. I was notified of the sale by a notice RE : Service member Civil Relief Act Notice Disclosure, that was received on XX/XX/XXXX and that my loan number with them was : XXXX. I spoke to a relative in California who referred The XXXX to me.I hired and paid them {$2800.00} to provide in obtaining a Hardship Modification for me - which they were unable to obtain. I received a Notification of Denial on XX/XX/XXXX. At that time I was referred to a lady named XXXX XXXX as a contact for me. She told me if I would send {$5000.00} I could resume the payments I had with XXXX. They indicated that I was Ineligible for Unemployment hardship reasons when I was fired from my job in XX/XX/XXXX - when I was making between {$65000.00}. to {$75000.00}. a year. I spoke to XXXX 's supervisor XXXX and he told me that I needed to pay the total amount due of {$25000.00} in order for my home not to be sold on XX/XX/XXXX. 
I will be XXXX years old in XX/XX/XXXX. I have many health problems and and XXXX. I am XXXX I had on XX/XX/XXXX. I have XXXX.I have XXXX, XXXX, XXXX, a XXXX, XXXX, XXXX, XXXX and XXXX. I was diagnosed with XXXX in XX/XX/XXXX that required XXXX in XX/XX/XXXX and had to have my XXXX & XXXX in XX/XX/XXXX. 
I have used all my savings and am on Social Security. I receive {$XXXX} a month and my supplemental & RX insurance takes {$650.00} for my premiums. My son and grandson came to live with me after their wife & mother died in XX/XX/XXXX. My son was in an accident just prior to her death and had XXXX XXXX and it has taken him several years to recuperate. He is currently working and helping with household expenses. His son is in college. 
One of the mortgage lenders I spoke with referred me to XXXX and they have been most caring and helpful in trying to help my situation. XXXX told me yesterday there was no way he would extend my foreclosure date of XX/XX/XXXX. 
I built my home when my mother was alive and had it made for XXXX, and the elderly. She had XXXX before she died. My home is set up where I can get around - no stairs, XXXX and I really want to stay here until I die. I feel the mnortgage companies have lost their feelings for people 's hardships and are not concerned at all about humanity. Please help me keep my home. I was told by both XXXX, XXXX and Carrington Mortgage to not worry about making payments while I was in the Modification process. I have never received a statement from Carrington and when I asked what the payments would be - I received no answer. There has been no communication from them when I requested it.