Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To whom it may concern : This letter is a complaint against Carrington Mortgage Services , LLC based in California and Texas. I am filing this complaint because I believe I am getting unfair treatment in the loan modification I was approved for in XX/XX/XXXX. 
Time line : Searched for home in XX/XX/XXXX Found place in XX/XX/XXXX Obtained financing for loan for down payment through my retirement savings. 
Secured loan through Carrington Mortgage Services at 6 %. 
After negotiating accepted price. 
XXXX XXXX who used to work at Carrington messed up on loan documents where she did not secure enough funds to cover the escrow account. On the day of closing XXXX XXXX did not fax the documents over and was still recalculating numbers at XXXX XXXX XXXX XXXX. I sat at the lawyers office from XXXX XXXX XXXX XXXX to after XXXX XXXX. In the end she was asking that I put down more money at which time I had already put down {$21000.00} taken from my retirement fund. 
Six months later my mortgage payment was being increased due to this error. 
In XX/XX/XXXX, I refinanced property to lower payment from {$1400.00} to {$1300.00}. Payment was manageable. 
In XX/XX/XXXX received another notice that mortgage was increasing to {$1500.00}. Not enough escrow in account. In addition property taxes increased slightly. Negotiated with Carrington to have shortage spread out over a year. New payment now {$1500.00}. Over what I could afford but still paid it. 
Applied for a loan modification and was accepted. New payment was decreased by only XXXX. After finding out that I would have to repay {$18000.00} upon the sale of the home, I declined the modification and continued to pay the {$1500.00} plus late fees. I was told that my home could be foreclosed on if I paid late. 
Payments were late but never rolled over into next month. Suffered by paying late fees in addition I paid overdraft fees in excess of {$300.00} per month to bank to cover mortgage and utilities. 
Sought help in the Virginia Cooperation Housing organization. Representative convinced me to reapply for a loan modification because that was the best option and that Carrington would help me. I reapplied in XX/XX/XXXX/XX/XX/XXXX and was denied because Carrington stated that I had not  submitted all the paperwork. Paperwork was submitted through the representative at the Housing organization supposedly helping me. I called Carrington and was told to reapply and make sure I submitted all the required documents. I did so in XX/XX/XXXX and was approved. I received the paperwork for the trial period and was told in the document to not make my normal payment in XX/XX/XXXX but to start making the trial period payment of {$1200.00} in XX/XX/XXXX. I phoned  Carrington I followed those instructions. No representative of Carrington ever disclosed that I would be reported to the credit bureaus as paying late. Which is what they did. 
They have blocked me from viewing my account in XX/XX/XXXX when the modification was approved but I am able to now go into documents and view statements showing payments late and notes a risk of foreclosure on home if payments are not brought up to date. Ive received several letters since applying for the loan modification all providing conflicting information. ( see enclosed. ) Is there any legal action I can take to remedy this situation against this company? I feel I have been taken advantage of and no one at Carrington cares about their customers. 
Ever since moving into this property I have no peace of mind and worry that their deceptive practices will still cost me my home and I lose the investment of {$21000.00} I used to purchase this place. Each document I received gave different information which is confusing to the recipient. If it is the practice of Carrington Mortgage to notate customers late on payments they should provide that information upfront when I asked them. No representative I spoke to told me to continue to make XX/XX/XXXX and XX/XX/XXXX's payment.

Sincerely, XXXX XXXX XXXX Enclosures

Company response to consumer: Closed with explanation