Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Carrington Mortgage provided me a response but i do not believe they were completely honest. Please see my response that includes the reason I believe they are out of compliance based on their response. Also I was in the mortgage industry for over 20 years. At XXXX Lenders made sure they did everything to try to help the borrower saved their home because if XXXX felt the lender did not follow a process to help home owners they were subject to have to buy that loan. FHA/HUD should establish a policy that put more responsibility on the lender. Because the lender will do minimum because they know they will be reimbursed by FHA MIP. Please see below. 
XX/XX/2017 XXXX XXXX XXXX, VA XXXX Phone # XXXX To : Consumer Financial Protection Bureau I recently filed a complaint against Carrington Mortgage because I felt they was out of compliance to assist me with avoiding Foreclosure as a home owner in XXXX. They responded in which they claimed they contacted me several times to help me ; however it was only 3 times in which they called my cell phone ( XXXX ) and my phone tracks all calls to my number based on an application that tracks calls. However, the main reason they are out of compliance is because they never contacted my wife. I previously called Carrington Mortgage and gave them my wife 's phone number and address because she moved out of the house. Carrington Mortgage had a responsibility to contact my wife directly and request the signed application and her income documents. However, they was setting my loan up for foreclosure my not making an effort to try to help me as an homeowner. 
I was in the mortgage business for over 20 years prior to becoming XXXX. I worked 15 years with XXXX of the top mortgage lenders and I ended my career with XXXX prior to becoming XXXX during XXXX to remove a XXXX. Although we are both on the mortgage because we are separated the lender is suppose to us separately contact my wife for any documents they need. This compliance requirement would actually help me as the homeowner because if I have to go to court for a judge to require my wife to sign a quit claim deed or sign the application and provide her income. We would all benefit, lenders like Carrington that does the minimum effort to claim they are following guidelines do n't care about the home owner because they will be reimbursed by FHA. In my case I also need an exception in which the lender could grant me and underwrite my loan based on my income or they would consider me for a workout option and make the signing of the application and income documents of my wife conditional. As a home owner my wife does not care about me loosing my home with XXXX children that is the reason she abandon us. She is also on SSD and knows her income can not be garnished. 
Please help me. Please ask Carrington Mortgage to assist with my workout options by submitting my loan for a workout option. I am trying my best to keep my XXXX children and I form having to move from our home because of a divorce in which my wife only cares about herself. Making the workout option documents conditional in which I have provided all my documents requested ; will still meets HUD 's guideline based on my situation it would allow me to remain in my home. They could also allow me to make XXXX payments to give me time in case I need to take my wife to court. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation