Consumer complaint received 2019-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I have an account with the worst Mortgage Company in the World, Carrington Mortgage Company who obtained my Mortgage from XXXX XXXX XXXX in XX/XX/XXXX. When I was struggling and needed assistance, they played games, prevaricated, used trickery and deceit and pretended like they did not receive documentation that I sent to them and started foreclosing procedures on me in XX/XX/XXXX. I was able to get assistance from XXXX XXXX XXXX XXXX and they brought my loan current. Carrington agreed to accept the payments that brought my account current along with all fees associated with the delinquency at the time. I have been in constant turmoil with them regarding their *UNETHICAL BUSINESS PRACTICES* and have written numerous letters regarding such along with erroneous late fees, inspection fees, uncollected fees and any other unjustly fees that they have assessed me with. I sent letters to them approximately in XX/XX/XXXX. I tried paying over and beyond my Regular Payment to go towards my Principal Balance on numerous occasions and they would deny that and apply towards trumped up charges in an attempt to keep me form paying down my principal balance. My account has been current and in good standing and they have not reported this to the 3 Major Credit Bureaus, however when I was struggling and needed assistance like a Loan Modification, etc, they unjustly denied it and aggressivesly started FORECLOSURE along with expediting negative reporting on my credit. Now since I have been current for almost a year they have not aggressively reported any POSITIVE REPORTING, for example wth XXXX no current and positive reporting for 4 mos, XXXX no current and positive reporting since XX/XX/XXXX, and for XXXX no current and positive reporting since XX/XX/XXXX, 4 years which is absurd not to mention that this has damaged my credit as I am trying to refinance and get this loan away from them and they have sabotaged my every efforts. I tried to lower my escrow and this was a challenge and a disaster. I tried to have them remove PMI and they refused even though I have equity in my home. My Home Payment increased without an explanation as to why and a lady Representative spoke with my son in regards to my account releasing my confidential information without my persmission apprximately a year ago, She recited the Mini Miranda to him and he is not obligated to my debt, his name is not on my account nor has any authorization been given, thereof. They have violated the law and made numerous mistakes and have violated my rights not to mention failing to accurately and fairly report my positive credit, therefore damaging my credit worthiness. I believe that if this was a XXXX Woman she would have received better treatment than myself being of XXXX American descent. I believe that I have been dealt harsly with because of my Race, XXXX, XXXX, Age, XXXX and Gender and believe that I have been discriminated against because of the reasons stated above. I believe that my rights have been VIOLATED by Carrington Mortgage Services , LLC and instead of making excuses for their mistakes so that they won't be held accountable for them they have resulted to prevaricating, cover ups, deceit and trying to hide their errors. This matter have been going on for far too long and need to be rectified. They should be fined and sanctioned for the sloppy, unprofessional and unethical way that they have handled my account and the damages I've suffered with inaccuracies on my credit report which is damaging to my credit worthiness and it needs to be rectified expeditiously.