Consumer complaint received 2021-03-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

TO : Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX : Carrington Mortgage Service # XXXX My married name is XXXX XXXX XXXX. My maiden name is XXXX XXXX XXXX which was sent over to Carrington when it was transferred. The last XXXX of my Social Security number is XXXX. 

On or around XXXX XX/XX/XXXX, I mailed in XX/XX/XXXX payment. On or about XXXX XX/XX/XXXX I called Carrington Mortgage Services to verified if they had received the payment sent out using XXXX 3-day delivery service. On XXXX XX/XX/XXXX, XXXX payment was sent out. Carrington Mortgage XXXX representative informed me that I was still a payment behind. In fact, two payments behind. They were XXXX and XXXX of XXXX. I explained to him that I would be submitting all documents through a third party because there was no confidence from me with this company. I further stated that it has to be an agency out here that could reign Carrington Mortgage XXXX personnel in with how consumers are treated. 

As I explained in my last complaint against Carrington Mortgage XXXX representatives, the only reason I decided to investigate this situation personally is because I desire to get from underneath Carrington Mortgages umbrella completely. It's coming up on a year that I completed my bankruptcy, and yet, I am still dealing with allegedly late payments. My complaints against Carrington Mortgage Services begin with the following : the previous complaint under XXXX # XXXX. I was not going to refute the poor excuse as to how XX/XX/XXXX Cashier Check was misplaced, but since Carrington Mortgage 's grave issues are still referring back to XXXX of XXXX and XXXX payments, I will address the next complaint accordingly. 

1. Why wouldnt Carrington Mortgage XXXX, who supposed to specialize in some level of Accounting, I pray, show more caution after seeing there was no account number and double-checking leave it sitting where it was? 

2. After all parties agreed, I thought Id be receiving something attesting this from Carrington Mortgages XXXX XXXX per the representative confirmation only to find out allegedly, Carrington Mortgages representatives eventually had no knowledge of such a conversation. The letter Carrington sent XXXX XXXX of XXXX, attested to that ( Exhibit XXXX Letter of Confusion ) as well. What happened to the formal agreement about the payment plan? 

3. I am asking Consumer Financial Protection Bureau and XXXX Banking XXXX XXXX XXXX Carrington Mortgage XXXX is exercising predatorial practices by doing the following : Harassing me with excessive phone calls because they are not willing to put any arrangement in writing per the conversations we have had. 

Carrington Mortgage XXXX XXXX XXXX created a payment arrangement we both agreed upon only for it to look like yet, another diversion. 

Carrington Mortgage Co purposely misled me with the situation by sending a XXXX  notice? Are they stating that XXXX is the one at fault for misapplying my payments? Between this notice and the letter from Carrington Mortgage in XX/XX/XXXX about being past due, along with never receiving the formal agreement, and my favorite one, them stating there was never no conversation in regard to a payment plan, I was left confused and decided to exercise restraints by simply continuing to pay as I had because God has already fixed this situation and those wrongfully involved. 

Intimidate me by constant notices of foreclosing or intent to foreclose on my home. 

Looking at the three Mortgage statements, if I did not keep a record as to what I have paid, I would have been totally intimidated. 

4. I am asking that for anything Carrington Mortgage Service is offering outside of fixing my credit score and negating these late fees if they would address it through the company so that it can be for the record? 

In reexamining all the documents, the XX/XX/XXXX cashier check was not discovered until late XXXX well into XXXX of XXXX. When I first heard of the XX/XX/XXXX XXXX Check missing, my husband was being rushed to the hospital, with emergency XXXX to follow. He remained in the hospital XXXX more weeks. Taking care of my family took president over Carrington Mortgages negligence at this point. However, after securing medical care for my husbands return home late XXXX or so, I reached out to Carrington Mortgage Services to find out when would I be receiving a formal agreement per our conversation regarding the payment plan. No response, which was to be expected. 
The investigation showed that XXXX XXXX Check had to be replaced because it was never collected. It was as though it was suspended in transit. I did a Declaration of Lost ( Exhibit 6 Declaration of Loss ) for the Cashier Check XX/XX/XXXX because it had been sitting there over 2 months. It was replaced around XXXX XX/XX/XXXX ALTHOUGH I DIDNT GET THE FUNDS BACK INTO MY ACCOUNT UNTIL LAST MONTH XXXX XX/XX/XXXX XXXX Exhibit 2 ). Ironically, now Carrington Mortgage Services are stating that XXXX and XX/XX/XXXX mortgage payments are missing. I took the initiative in trying to right Carrington Mortgages personnels wrong so I can be looked at by a reputable mortgage company because something isn't right about this company, let alone the situation. 

Currently, I am submitting documents of cashier checks substantiating receipts of payments to Carrington Mortgage Services and posted as followed from XXXX XXXX Bank : XXXX Paid on XXXX XXXX : XXXX paid on XXXX XXXX : XXXX paid XXXX and XXXX payments : XX/XX/XXXX paid XX/XX/XXXX : XX/XX/XXXX paid XX/XX/XXXX : and XX/XX/XXXX where the initial problem began and it was finally fixed. 

Lastly, because it appears this situation has become redundant from XX/XX/XXXX, I felt the need to seek help from other agencies. 

Sincerely, XXXX XXXX XXXX XXXX Enclosure ( XXXX ) XXXX. Exhibit XXXX Proof in Document Against MORTGAGE CO XXXX from XXXX XXXX attesting XXXX. Exhibit XXXX XXXX XXXX for Mortgage XX/XX/XXXX XXXX for XX/XX/XXXX. Exhibit XXXX XXXX XXXX for Mortgage Co XX/XX/XXXX Payment XXXX. Exhibit XXXX Proof in Document Against Carrington Mortgage Co XXXX XXXX XXXX XXXX. STATING XX/XX/XXXX WAS STILL IN WAITING STAGE 2 mons later. 

XXXX. Exhibit XXXX Proof Document for Carrington Mortgage XXXX XXXX for XXXX & XX/XX/XXXX. Exhibit XXXX Proof for Document Against Carrington Mortgage XXXX of Loss Cashier Check XX/XX/XXXX XXXX. Exhibit XXXX Proof in Document for Copy of Cashier Check for XX/XX/XXXX This is for XXXX XXXX XXXX XXXX. Exhibit XXXX Proof of XXXX Check for XX/XX/XXXX and XX/XX/XXXX all In XX/XX/XXXX XXXX XXXX. Exhibit 9 Proof of Delinquent Notice Unwarranted Carrington Mortgage Co XXXX. Exhibit XXXX Proof of Letter from Carrington Mortgage XX/XX/XXXX Confusion Letter Showing Mortgage Past Due 12. Exhibit 11 Proof of StatemenXXXX from Carrington About XXXX XXXX. Exhibit XXXX Proof of Statement from Carrington Mortgage LOOK THE AMOUNT STATED 14. Exhibit 13 Proof of Document For Foreclosure from Carrington Mortgage