Consumer complaint received 12/16/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: My name is l XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX.I am filing a complaint against my mortgage company for going through with a forclosure and sale date when they wont acknowledge that I sent my rma packet in a timely manner.I have been working with carrington mortgage company since XXXX 2015 when they took my loan over and started the process of sending in my rma packets to try and get my loan caught up since it was sold by XXXX XXXX XXXX to Carrington in the middle of me making payments to get caught up on and a payment plan for me but then carrington bought the laon and it took 65 days so at that time when they took over the loan my payment plan with XXXX was void now due to the sale of my loan im in default in XXXX 2015. I contacted carrington right away thats when i started working with XXXX at carrington doing rma packet to see what help i can get. I have sent rma packets XX/XX/XXXX, through XX/XX/XXXX and they keep having me resend another rma due to my XXXX and change in circumstances changed so i was told by XXXX to fill out another rma packet it was sent on XXXX XXXX by XXXX I recieved the packet and filled out and got all my documents she requested and sent them ups on XXXX XXXX 2015 through ups with the tracking # I had to XXXX XXXX to send it and it was recieved by XXXX XXXX after sending the rma packet back to XXXX I hadnt heard a reponse from her at all XXXX XXXX I called to talk to XXXX and have not been able to contact her so I talked to a XXXX who explained that the reason why im being denied help and am going to loose my home is due to my rma packet they say they didnt recieve it I gave them the tracking # to the rma package and it states that my rma packet was recieved on XXXX XXXX at XXXX to the address for carrington.XXXX and a man representative found the tracking # and found my package has been sitting in the research dept since XXXX XXXX with not XXXX employee there getting my rma packet to the correct dept to revue. I sent my rma packet too but no one went over it so when i was speaking to XXXX she had on XXXX XXXX me resend another rma packet thru fax with also a explanation letter with the tracking # XXXX that my rma packet was sent to the research dept i faxed it that day XXXX XXXX to XXXX who called after and said i recieved the second packet and she stated she was going to go over my new rma packet and try and retrieve the original from XXXX XXXX and for me to try and get ahold of programs hardist hit program to help me which i did but after the holidays and i called to speak to XXXX but got XXXX a representative was very rude had me on hold a hour told me to bad that im losing my home, im confused at this point since XXXX had given me different information about the fact that it is carrington who didnt find my first rma then they had me fax another one on XXXX XXXX then after that conversation I spoke to a XXXX on XXXX XXXX where she requested the tracking # XXXX ups form be copied and faxed to her to prove the rma packet was recieved on XXXX XXXX at XXXX I faxed it immediatly. so I should have been given the opportunity to qualify for a program to help keep my home. Come Monday I called carrington again and then they said that it was too late and I couldnt do nothing else im filing this complaint due to carrington not doing there job by losing my XXXX XXXX rma packet not reviewing it and then putting a sale for XXXX XXXX 2015 without giving me any opportunity to pay a payment since thet took my loan over I have been doing everything carrington has requested from me and my packets are complete. On XXXX XXXX I called carrington again and got another representative XXXX XXXX who is a manager who listened to my delimma and told me to call back wednesday XXXX XXXX to see if they can fix there mkistake thats going to make me lose my home for their mistakes.

Company response to consumer: Closed with explanation