Consumer complaint received 2020-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My name is XXXX XXXX and I have owned the property at XXXX XXXX XXXX, XXXX, CA XXXX for nearly three decades. I am a retired, tax-paying American who has been a resident of the area for over 50 years now. I am writing this letter to highlight recent hardships in my life in an attempt to stop the pending foreclosure on my home. The FHA Purchase loan in question was disbursed in the year XXXX from Carrington Mortgage Services and continues to remain in their possession. I understood just fine how the loan worked upon initial signing back then. The issues didn't arise until after it became apparent I needed to modify the loan due to difficult circumstances over the years. I applied twice for a restructure and was pre-approved the second time. Around this time was where my life seemingly began to crumble around me ... 

Upon reflection, XXXX was somewhat of a blur to me. It was so full of ups and downs, I don't even know where to begin. I suppose I'll start with my separation with my life partner, XXXX. I bring this up so that you may consider how rough that might be on one 's psyche alone. This is not to mention the loss of income that came as a result. As I was beginning the process of healing and recovery, I got the heart-dropping, gut-wrenching news that MY SON passed away in XXXX. The XXXX of XXXX to be exact. Please see the attached death certificate for proof. I am an elderly citizen, I can only take so much these days. I was unable to function normally. I made decisions I don't recall and would probably have a hard time justifying now that I am starting to put the pieces of my life back together. It was such a profound season of brokenness and grief for me, as I hope you are able to imagine. It was just one hard blow to my spirit after another. There's a saying that comes to mind as I describe this series of wretched occurrences : " When it rains, it pours. '' It definitely didn't stop raining there. 

That particular month, I was simply unable to make my final payment for the modification process I was previously approved for. My income was lower because of the separation and I now had an expensive funeral to fund for my baby boy. A few months later in XXXX, to my memory, I attempted to make up the delinquent payment but it was not accepted for some reason. I would please like this to be addressed. I reached out to Carrington for assistance, but was only given the run-around and misleading information. As a purported leader in Home-ownership, I was very hopeful that this lender might be able to help provide responsible financing solutions after hearing me out. I was gravely mistaken, which leads me to the reason I am now writing this letter seeking help wherever possible. I don't blame Carrington for all my circumstances of course, they only oversee my loan. On my end though, the recent struggles of my life have made it extremely difficult to follow through as diligently as I'd like. The lack of help and consideration was yet another bump on the road to keep my precious dwelling.

This has been an increasingly frustrating process to deal with and I don't know where else to turn. Per the California Housing Bill of Rights, I, as a homeowner in this  state, am guaranteed a single point of contact who not only knows the facts of my case, but also has any paperwork pertinent to the case. From my experience, Carrington has not been compliant to this ruling. Their representatives have seemingly not been able, or willing, to assess my financial situation or assist me in exploring my options in order to avoid future foreclosure. I am entitled to a review for all applicable programs based on my current and correct financial situation.