Consumer complaint received 2023-08-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have a VA backed mortgage. I filed for Chapter 7 Bankruptcy in XXXX of XXXX due to Social Security retirement benefit issues creating a deficit in my income due to complete stoppage of these benefits. Additionally, my home was subject to over {$100000.00} in repairs and this amount continues to mount due to fraud by the seller. This deficit created approximately a {$2000.00} reduction in income. I was, and still am, forced to rely on my VA XXXX benefits. I am rated 100 % permanently and totally XXXX through the XXXX My present compensation is {$4100.00} per month and scheduled for an increase in XXXX of this year due to increasing XXXX affecting both my mental health status as well as deterioation of physical XXXX. The XXXX natural disaster stopped all processing and litigation through the Social Security Administration and my case with them is still pending as of the date of filing this complaint. My original mortgage note was through XXXX XXXX Mortgage and serviced directly. My bankruptcy was completely XXXX in XXXX of XXXX, despite Covid issues. Upon re-emerging from bankuptcy with the past due mortgage obligations discharge, I subsequently filed for a mortgage modification in XXXX of XXXX. XXXX assigned servicing to XXXX Mortgage XXXX. I applied for XXXX loan modifications through XXXX XXXX of XXXX year, despite the in-place XXXX protections. All modification applications were ignored. I requested and did receive a XXXX era Forebearance of approximately 10 months while I awaited a response to my XXXX filing with the XXXX. I received no replies nor notifications to my mortgage modification applications. The only notice I received from XXXX was to notify my mortgage was sold to XXXX XXXX and a transfer of servicing was assigned to XXXX Mortgage XXXX, XXXX " XXXX XXXX XXXX. I applied for a temporary forebearance through XXXX, notified them I had a pending modification application in process and requested a review. Not a single contact within XXXX XXXX XXXX acknowleged and each and every phone call and email requesting status was addressed by separate individuals who claimed no knowledge of the pending status of my modification application. In late XXXX of XXXX, I was instructed to file yet another loan modification request. I completed the application and submitted via email. XXXX XXXX XXXX me numerous emails stating that my forebearance was ending but no notifications acknowledging my modification request. In early XXXX, Carrington XXXX XXXX me a notice that my forebearance was expiring and offered me duplicate offers of a modification. At the same time, and without notification, Carrington MS apparently declared me in default and forwarded my file for foreclosure to an aggressive mortgage foreclosure mill law firm, XXXX, et al. ( NOT VA mortgage certified ). I did not know about a foreclosure suit until I was served a summons and complaint from the XXXX firm. I was never offered any resolution nor offers to resolve my mortgage delinquincy, despite the VA loan technicians offering several options. Carrington XXXX XXXX while I was in an active mortgage modification application review, referred my file for immediate and aggressive foreclosure proceedings before exploring foreclosure alternative options. I was forced to hire legal counsel to assist me. To date, my legal fees are over {$10000.00}. 
Again, after my counsel, The XXXX XXXX XXXX, sent a XXXX application for a modification, Carrington XXXX XXXX to aggressively pursue foreclosure. The XXXX law firm has denied and refused any cooperation, made requests for impossible documentation production requests, refused to produce assignment documentation, produced interrogatories which are impossible to respond to and finally, as of XX/XX/XXXX, made a request for a short XXXX hour foreclosure default trial ( despite another modification application pending ) due to lack of my ability to justify a reasonable defense to foreclosure. I contacted the VA Mortgage XXXX XXXX and was assigned a technician, XXXX XXXX. XXXX XXXX has reviewed my applications for mortgage modifications and declared that, under VA guidelines, there is absolutely no reason nor justification why XXXX would deny a reasonable modification. Yet and still, Carrington XXXX XXXX to fail to legally notify individuals of eminent foreclosure, fails to offer XXXX XXXX relief options, fails to recognize numerous loan modification applications and proceeds to automatically dual track ( illegal ) foreclosures without notification by the home owners. I am not the only individual filing this type of complaint. I was relying on XXXX to approve my modification ( I had sufficient income to justify ). Yet and still, XXXX now refuses to entertain a modification nor any other option ( other than foreclosure ) ; claiming my income is insufficient to justify such modification under VA criteria. The VA loan technician does not understand why Carrington XXXX XXXX to cooperate as my income/debt ratio fully justifies a modification or alternatives to foreclosure. Carrington XXXX XXXX XXXX wishes to take my home from me to obtain the approximately $ XXXX in equity to profit from my XXXX financial issues. I believe this maneuver and manipulation violates Carrington XXXX XXXX agreement to overcome the fraud and penalties the CFPB sanctioned them with and continue to cheat XXXX homeowners out of both our equity and homes. I request immediate intervention as dual tracking is illegal and XXXX XXXX XXXX to continue to work towards a viable solution. I have a full banker '' XXXX box of documents to substantiate my position and XXXX XXXX XXXX failure to cooperate with me in a viable solution. I continue to accrue legal fees and my stress is through the roof. I have a 100 % VA XXXX rating for XXXX alone. One can not fathom the increase in stres and nightmares I am experiencing presently. I can not understand why Carrington XXXX XXXX so flippant in their practices and refeses to work through a simple modification when they agreed to a settlement with the XXXX to resolve their fraudulent and deceptive practices. I will glady provide substantiating documentation, however, your website and my patience and abilities will not allow for uploading this volumous amount of files. Please help me. I will be homeless and unable to afford housing if this foreclosure proceeding is allowed to progress unchecked.