Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I believe that Carrington Mortgaging Services is attempting to wrongfully foreclose on my home while I am in active loss mitigation review for the second time. The foreclosure sale date is XX/XX/year>. An offer was made on my home on XX/XX/year> in the amount of {$100000.00}, which is above the 86 % of the appraisal value requirement for FHA loans. My home was appraised by Carrington at {$100000.00}. 

On today, XX/XX/year>, my realtor called to inform me that she spoke with the liquidation department at Carrington Mortgaging Services regarding my short sale application. She said she asked if they could stop or put the foreclosure sale on hold while the short sale is being worked on and Carrington Mortgage told her the following : 1. That they do not stop or place holds on foreclosures because of a short sale, and 2. That it doesnt matter that Im applying for a short sale because they probably wont accept the application anyway. After I spoke with my realtor, I called Carrington Mortgage to find out why they told my realtor that they dont do foreclosure holds on short sales and I was told the following : 1. On XX/XX/year> they couldnt send proper documentation to my realtors assistant because she wasnt authorised on my account, but this is false. The assistant has been authorised since XX/XX/year>. This statement also has nothing to do with why Carrington told my realtor they dont do foreclosure holds during a short sale. This agent I spoke with was the liquidation negotiator at Carrington Mortgage. When I explained to her that the answers she provided were not satisfactory, as they did not address my concerns, she proceeded to continue to give me information that did not address my concerns, and then refused to give me the information I asked for if I did not allow her to continue giving me information that I didnt ask for. After XXXX minutes of explaining to this agent that she was not providing me the answers to why the liquidation department told my realtor that they do not do foreclosure holds during a short sale review, she then told me the following : 1. That there is no record of Carrington speaking to my realtor on today, XX/XX/year>, which is false. Needless to say that I did not get the answers I needed. Because this is not the first, second, or third time I have had these issues with Carrington Mortgage, and because of their poor customer service and manipulative communication tactics, I have reason to believe that Carrington Mortgage is acting fraudulently in attempt to force foreclosure on my home, even though I am actively pursuing loss mitigation. 
EDIT I spoke to my realtor again today on XX/XX/year> and she informed me that Carrington agreed to put the foreclosure sale of my home on hold while the short sale is in review. She also stated that refraining from challenging the poor communication and customer service I receive from Carrington is the most effective way to get them to cooperate with the short sale proceeding, even though Carrington was supposed to put the foreclosure sale on hold due to short sale review the moment they received the application and offer.

As I stated, Carringtons practices seem very manipulative and exploitative and I will continue to document all communication I have with them during this loss mitigation process, as I have reason to believe they are abusing their authority in the matter.

Company response to consumer: Closed with explanation