Consumer complaint received 2018-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

My name is XXXX XXXX and I have owned my home in XXXX, Colorado since XX/XX/XXXX, but unfortunately I now find myself in danger of losing my home. I refinanced into a government backed FHA loan in XX/XX/XXXX that is currently being serviced by Carrington Mortgage. I have reason to believe that Carrington has intentionally denied me access to government backed homeowner assistance programs and is attempting to push me into foreclosure by scheduling sale dates without conducting any type of review of my current financial information. I believe that Carrington is in violation of HUD guidelines and is trying to cash in on the government insurance when this is clearly an avoidable foreclosure. I am not now, nor have I ever asked for a handout or anything for free. I have repeatedly attempted to resolve a past delinquency on this loan that was caused by a temporary loss of income that has now been remedied. Despite multiple attempts and repeated applications I find myself consistently faced with a foreclosure sale date. I believe that Carrington has not followed the rules or guidelines for servicing my FHA loan and that their actions have been unethical, wrong and illegal. 

This loan has had servicing issues for a few years now. My payment increased approximately {$500.00} even though my interest rate is fixed, and it was likely due to a forced-placed homeowners insurance policy being applied to the account when my homeowners insurance policy was still active ( I recently discovered that Carrington has settled a class-action lawsuit for this very issue ). Prior to Carrington servicing my loan, it was serviced by XXXX XXXX XXXX ; during the transition from XXXX XXXX XXXX over to Carrington a few years ago, I was not made aware of the transfer and continued to make my monthly mortgage payment to XXXX XXXX XXXX for approximately 10 months. To this day I am still not sure if that money was correctly applied to my account with Carrington. 

Prior to my current job working with an asphalt company, I worked for an oil company and had worked my way up to management and was making a good salary, However, when the company started laying my employees off, I voiced my concern about that and also other issues only to find myself also out of work. This is when I started to fall behind on my mortgage. I struggled and eventually depleted my savings to catch up until I could no longer do so. I reached out to Carrington and submitted an application for mortgage assistance. From that point on I was chasing documents and restarting applications in a continuous cycle. Eventually I had to hire an attorney who got us a trial modification which I accepted. I made the three trial payments as mandated, but of course Carrington revoked the modification claiming I hadnt returned the required signed paperwork to them which neither I nor my attorney had ever received. Since then Ive gotten nowhere with Carrington since they claim that I rejected their offer of assistance ( WHAT?? ), and now in XX/XX/XXXX they have been trying to foreclose by continually setting sale dates.