Consumer complaint received 2019-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have a sale date of XX/XX/2019 very shortly and I applied for a loan modification and was denied! I called to ask why and was told to appeal it. So I then spent time again filling out all the paperwork to then be denied and when I asked why I was denied the first time they said based on income but I showed them my income and it was a mistake they had the wrong income so then on the appeal I was denied again and when I asked why they not in so many words said because I was on state disibility and I couldnt understand that because I have been a XXXX XXXX for well over 10 years and I make yearly around XXXX dollars as well as my monthly take home XXXX XXXX a month on only my schedule not with any overtime included. I explained in my hardship letter to Carrington Mortgage LLC company that I fell to hard times financially this past year but things are better now and I have cash for them but was told without the XXXX it wont matter and I cant understand why they wont take XXXX and move my sale date our give me a loan modification to get the rest back to them. I worked hard to get my house and my children love there home and I cant understand how a company can take your house after one bad year on disibility. Im not XXXX XXXX my job placed me on it and wants me to return back and I have been going thru so much paperwork with this company, I never had a problem when my loan was with XXXX  XXXX XXXX but now this Carrington mortgage LLC use bullying tactics and say there is nothing I can do based on me being on state disibility and I have explained to them and showed even on state disibility I can afford my house and its just a well I dont know put together another appeal. I make about XXXX XXXX a month and my mortgage is at XXXX so why is there no way to do a loan modification? I believe its because my house has XXXX XXXX dollars in equity and has great value to this company because if it wasnt about money then why cant they let somebody who has proven income and still makes double the mortgage even on disibility for the short time I was. I recently begged to be let off so that I could return to work because thats what they want to see! I dont care what I hvs todo to keep my home our pay but please help me move this sale date to a later date to give me time to get them all the cash our maybe a loan modification because Im almost there and they wont take a partial payment they want it all out nothing. I even explained my financial hardship having to get my children medical insurance as I was no longer able to get mine thru XXXX until I was returned back to work. I showed them the difference and they had nothing to say so Im out of options and I have to tell somebody who can do something that I feel like I have never felt so played with our bounced around from this to that to this for them and meet all require and still get no modification our extension on sale date. My main complaint is with the company Carrington mortgage company LLC because after reading there consumer reviews Im not the first our last person to get worked over by this company! So Im asking to please take a look at the process they are using for the denial of a loan modification and make sure it is legal because I am beyond stunned and shell shocked that they wont even give me a offer of some sort other then have XXXX and I prob have XXXX XXXX that I can get them with a couple weeks the rest but they are going to sell my home and I will complain to whomever that there in it for themselves and not the best interest of there clients. I furthermore hope that they get closed down our a investigation so that this kind of business they do doesnt continue to happen. Thanks so much, Hope to resolve this matter before the sale date of XX/XX/2019!