Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX am filing a complaint on what I believe to be " Wrongful or Unlawful Foreclosure '' Although my house was foreclosed on XX/XX/XXXX I believe that I evidence proving that Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX did not follow the Proper Practice Guidelines set out by the XXXX following the XXXX XXXX XXXX " MERS '' lawsuits. 
I should also note that my mortgage in fact was a part of the XXXX XXXX and XXXX of XXXX " MERS '' issue. 
In XXXX XXXX I filed for a forbearance with XXXX which consequently never happened I suspect due to the federal investigation. In XX/XX/XXXX XXXX XXXX held up all transfers of service XXXX was negotiating and I do n't know the release date but I do know my mortgage was included. In XX/XX/XXXX I received a transfer of service from Carrington stating that my XXXX account # was being transferred effective XX/XX/XXXX, my new account # and that my current creditor was XXXX XXXX and my current servicer was Carrington Mortgage Services and the amount of the debt was {$.00} 
I immediately called Carrington explained the XXXX situation at which time we began what I believed to be the forbearance process. The process took ( XXXX ) sets of paperwork sent XX/XX/XXXX, XX/XX/XXXX and the final paperwork XX/XX/XXXX. The entire period I was told my paperwork was only good for 30 days and it had expired the first XXXX times. Finally XX/XX/XXXX a letter was drafted and I received XXXX separate envelopes in mid XX/XX/XXXX denying me loss mitigation, deed-in-lieu, a short sale and a loan modification due to excessive forbearance. Next thing I knew I received a Notice of Pending Acquisition dated XX/XX/XXXX. The notice stated that the title to my property was expected to transferred to Carrington then transferred to HUD, and it was only when I received Notice Of Acceleration XX/XX/XXXX did I realize the trustee of my note " MERS '' was removed and it was now owned by Carrington. I also know that my MERS # is inactive and that raises a question in itself. My continuous calls to Carrington included requests some of which were trying to find out how I did n't qualify for any help, could they prove transfer of title, workout plan, my need to have money to move and a few other things. Upon their disinterest to help me or work with me in any shape or form I started my own due diligence because I felt something was not right about this whole foreclosure process and I wanted to find some facts about it 's legality I am shocked to find as much as I have. The following is the list of what I found through my research and telephone calls and these would be the very essence of my complaint. 
At the time I first requested a forbearance from XXXX they were already involved in the federal issue and I should have been informed that my request was NOT going to be approved and/or looked at a ) because they were transferring service b ) they were involved in a investigation. 
When I received the transfer notice Carrington had an obligation to follow XXXX Guidelines which clearly outline my rights to be " Homeowners have the right and lenders are obligated to offer any and all options for foreclosure avoidance through the following practices '' a ) the right to proof of an accurate balance b ) the right to proof of assignment c ) the offer of loss mitigation d ) the right to have my appeal, complaints and requests addressed e ) the right to a timely review of my request ( s ) f ) and finely the right to retain my home period! I have much more to this complaint so I am attaching the whole complaint to the document upload.