Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

" DUO TRACKING '' While progressing with our Loan Modification proceedings, our home located in XXXX, was unlawfully SOLD and FORECLOSERED during a Trustee 's Sale ( presumably ) on XXXX XXXX, 2015. The foreclosure proceedings were initiated and driven by the Carrington Mortgage Services ( identified herein as : " CMS '' ) and specifically, by the CMS ' Foreclosure Department. This illegal raid took place at the same time as we were holding in our hands an official letter from CMS titled, " Formal Appeal Notification - Appeal Accepted '' dated a two weeks prior to the Trustee 's Sale. Naively, we did nothing to prevent this ordeal because we trusted in a significance of the Appeal Approval letter. Then later, it became obvious to us that while dealing with the CMS ' Home Retention Department to finalize our Loan Modification Application - on one hand, the CMS ' Foreclosure Department conspired to proceed - on the other side - with a foreclosure of our property using a deceiving " back door '' hidden routine. 

Our " presumption '' comes from a continued uncertainty as we are dealing with CMS. Since the acceptance of the " Appeal Approval '' letter, we did not receive any other notification or correspondence of any kind from Carrington Mortgage Services. This type of CMS ' misconduct is leaving us in a deep physical distress and emotional limbo especially now when we are not sure of our foreseeable future. We still have our valuable belongings there ( in and at the house ) that need to be protected and secured. We need a significant amount of time to act upon but again, it is imperative to know which direction we should take. 

With their wide spread discriminative, dishonest and illegal agenda, we 've become victims of a predisposed and prejudiced practices of the Carrington Mortgage Services , LLC. And for that reason, we are seeking a Legal Representation against the CMS Company. The damage inflected by CMS ' action is far-reaching and does have a negative impact on every aspect of our lives. CMS must and will be hold accountable for everything they have done wrong. 
BRIEF OUTLINE OF THE COMPLAINT : DUO TRACKING : The house was foreclosure-sold by one department during an appeal process conducted by another department of the same CMS Company LACK OF COMMUNICATION : No communications of any kind since the " Final Appeal Notification - Appeal Accepted '' letter of XXXX XXXX, 2015Slow or no communication during the entire Loan Modification processIntentional delaying important documentsDisregard to a request to continue a two-way communication MISMANAGEMT : A severe impairment of communication between XXXX of the " Single Point of Contact '' Representatives and their Management within the same department FALSE ACCUSATIONS : Notorious dismissal of mail delivery and the correspondence reception even being proved otherwise FALSE AND MISLEADING CLAIMSUnjustified claims of a rental property without prior verification and this was leading to a Loan Modification application denialDeliberate dismissal of all truthful statements DISTEGARD TO A FINANCIAL HARDSHIP ' LOAN MODIFICATION APPLICATIONDismissing the plea to modify the monthly payments to the level that can be maintain without financial burden. 
House was sold for a fraction ( 30 % ) of what we have asked for to modify