Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I have had several loan modifications Wrongfully cancelled by Carrington Mortgager. I am filing this complaint to have their Loan Modification practices investigated and have my loan modification reinstated. 

I am a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran. My father and I have had a lot of health issues and XXXX. We have been working extremely hard to be able to keep our home. Carrington has made it incredibly difficult and stressful to be able to save our home. They keep changing their requirements like they did for Loan Modification they approved XX/XX/XXXX and the one they wrongfully cancelled XX/XX/XXXX. 

I was approved for a trial Loan Modification XX/XX/XXXX with payments of XXXX XXXX, XXXX and XX/XX/XXXX. I completed payments and was sent paperwork to finalize loan modification on XX/XX/XXXX. They requested for the paperwork signed and notarized back by XX/XX/XXXX ( less than 7 working days. ) I got paperwork signed, notarized and sent by Fri  XX/XX/XXXX via XXXX XXXX. Tracking number XXXX. It arrived on XX/XX/XXXX and Carrington Mortgage did not receive the package because they were CLOSED due to it being XXXX XXXX Holiday. I got notice that the loan modification was cancelled due to them not receiving signed and notarized paperwork on time. I filed a dispute and showed the XXXX  dates along with it saying they were closed on XX/XX/XXXX so the paperwork could not be delivered. They still denied continuing my loan modification. My 3 payments have not been accounted for even though I have requested a detailed statement about where they are. 

They initiated foreclosure procedures again and said I would have to start the loan modification process all over again. I filed loan new loan modification paperwork XX/XX/XXXX. I then received notice dated XX/XX/XXXX that the modification had been cancelled at my request or that I no longer wished to keep my home. Both of these statements are false. I DID NOT cancel loan modification. I still want to SAVE my HOME. I made no such cancellation and them cancelling it without my knowledge or consent is illegal. 

I filed an FHA/HUD case number XXXX and was advised my ex husbands signature would not be required with the documentation provided. I included this information in loan modification request. My ex husband keeps maliciously trying to stop my loan modification when he has no say in the matter as shown by the paperwork provided. 

Documents included in the loan modification application that renders my ex husbands signature not required are included in attachments. 
1 ) Separation agreement 2 ) Separation addendum 3 ) Final Divorce decree 4 ) Signed Deed of Gift my ex husband signed 5 ) Recorded Deed ( with my name only ) 6 ) First Loan Modification done by XXXX XXXX XXXX  XXXX I am including Loan Modification paperwork, XXXX paperwork, Trial loan modification paperwork and HUD/FHA case information. Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation