Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
CFPB Complaint Double Foreclosure, Ownership Misrepresentation, and Predatory Servicing Consumer : XXXX XXXX XXXX XXXX : Carrington Mortgage Services , LLC Related Entity : Towd Point Master Funding Trust Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Loan Type : Residential Mortgage Summary of Complaint This complaint is related to my prior CFPB filings against Carrington Mortgage Services ( complaint numbers : [ insert your complaint numbers here if you have them ] ), but includes new and distinct issues that were not previously reviewed. Carrington Mortgage Services and XXXX XXXX XXXX XXXX XXXX have pursued XXXX simultaneous foreclosure actions against me while misrepresenting ownership, assignments, and balances. Their court filings , county records, and letters to me all conflict, creating deception, confusion, and financial harm. 

Detailed Facts Two Active Foreclosures : XXXX filed foreclosure under case XXXX in XXXX. While this case was still active, Carrington filed another foreclosure in XX/XX/XXXX under case XXXX. 

XXXX Filing in Carringtons Case : Even after Carrington filed, XXXX filed motions in Carringtons case ( including a motion for more time on XX/XX/XXXX, and a motion to substitute plaintiff on XX/XX/XXXX ). This shows serious confusion and misrepresentation of who the plaintiff actually is. 

Ownership Records Conflict XXXX XXXX records show assignment from XXXX XXXX to XXXX in XXXX, and then an assignment from XXXX to XXXX in XXXX. There is no valid recorded transfer from XXXX to XXXX. Despite this, XXXX represented to the court that it had standing. 

Contradictory Letters : I received XXXX letters in XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ) stating the loan had been sold to XXXX. Yet Carringtons filings claim the assignment happened XX/XX/XXXX, and XXXX motion to substitute plaintiff filed in XX/XX/XXXX still relied on that XXXX date. 

XXXX XXXX : I was not served with Carringtons XX/XX/XXXX foreclosure until XX/XX/XXXX, which impaired my ability to respond. 

Loan Balance Inflation : My loan balance has been inflated by tens of thousands of dollars above the original amount, despite years of payments. Escrow has been capitalized as debt, duplicate charges applied, and a {$14000.00} reinstatement payment was refused. 

XXXX XXXX Practices : Since XXXX, I have submitted multiple loan modification applications. Carrington repeatedly delayed, rejected, or mishandled them blaming paperwork errors, name mismatches, or title issues. They falsely told the court I first attempted a modification in XXXX, when in reality I had been applying since XXXX. 

QWR Violations : On XX/XX/XXXX, I submitted a Qualified Written Request for ownership documentation, chain of title, a full account audit, escrow details, and servicing agreements. Carrington failed to respond as required by RESPA.

Company response to consumer: Closed with explanation