Consumer complaint received 2023-07-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

XXXX XXXX XXXX XXXX, XXXX XXXX, Retired XXXX XXXX  XXXX XXXX XXXX, Florida, XXXX XX/XX/2023 Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX, California XXXX Appeal Regarding Loan Number XXXX Dear Carrington Mortgage : First and foremost, I am doing everything legally and lawfully to convince Carrington Mortgage I have no intentions of selling, liquidating, foreclosing, or abandoning the property of XXXX XXXX  XXXX XXXX, XXXX, Florida XXXX XXXX The company is aware of my V.A. service-connected XXXX protected under the Americans with Disabilities Act which made me eligible for the Cares Act during the pandemic. The company is aware I am currently XXXX  regarding my service-connected XXXX. 
Carrington Mortgage is aware I have submitted the same mortgage application financial information without my spouse with the required documentation before and after the first contract. The company knows I am in Court proceedings for Dissolution of Marriage, filed by my spouse. I represent myself. I have no financial support. My spouse abandoned the property. The companys first proposed contract did not comply with the Cares Act. Therefore, I refused the contract. 
Subsequently, the company is aware that I discovered and reported that they were using deceptive practices to swindle their account holders. Accordingly, the company proposed the second contract with a promissory note from Veterans Affairs. I agreed to the terms, signed the contract, and mailed it via USPS Express mail. The first months mortgage payment XX/XX/2023 was mailed with a cashiers check and a letter stating I was in good faith making further payments. 
The company canceled the contract. Therefore, threaten, more like harass me with foreclosure and liquidation again. To demonstrate I am at the mercy of Florida State Law as an American Veteran with Service-Connected XXXX. A legal system that puts me in a disadvantage and compromising position. The contract with the Veterans Affairs support must have both spouses signatures according to Florida Statute. The contract is on my behalf. My spouse filed for divorce, requested the Court to force me off the property, then liquidate the house. It is in her petition. Subsequently, she abandoned the property. 
My petition for divorce from a Florida State Judge specifically ordered I will not dissipate any property or money so that the Court can establish equitable distribution for the final divorce. The company knows that its account holders have no authority to give in to their demands and make decisions that will be against the law. Despite my eligibility for the Cares Act, Carrington Mortgage 's deceptive practices, my mental health issues, and my determination to keep my home, I have been constantly bombarded by Carrington Mortgage 's harassment campaign with liquidating my home. 
Eventually, I had to Baker Act myself for further mental health treatment. 
On XX/XX/2023, at XXXX XXXX, there is a Court ordered Mediation between me and my spouse. The mediation should determine if my spouse will sign a Quitclaim Deed tomorrow. 
Lastly, Carrington Mortgage I do not agree to liquidation or foreclosure on XXXX XXXX  XXXX XXXX, XXXX, Florida XXXX. Ultimately, the Florida State Judge has that decision. 
Disparate treatment happens when a lender treats an applicant differently based on one of the protected characteristics ( such as race or gender ). This type of discrimination can be obvious and blatant, or it can be subtle. The lender does not issue an actual denial, but disparate treatment creates barriers, making borrowing more difficult Disparate impact occurs when a lender applies a neutral policy to all credit applicants. However, the policy disproportionately affects individuals belonging to a certain group based on their race, XXXX, age, or other protected characteristic. The policy is not intentionally discriminatory, but the policy 's effect results in discrimination. 
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX, Retired XXXX XXXX XXXX, OEF