Consumer complaint received 2022-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, we were placed in a forbearance plan till XX/XX/XXXX ( see doc XXXX ) In XX/XX/XXXX or there abouts a partial claim was being worked out for modification for XXXX. My daughter contracted XXXX XXXX at the time and was in the XXXX XXXX XXXX. The modification paperwork could not be completed in the period needed. So partial claim was denied in XXXX. 

On XX/XX/XXXX, I called XXXX XXXX, explained the situation, and needed a solution to what we could do. The recommendation was to request an extension of the forbearance. It was noted in the file that I had requested the extension. 
But on that same day the loan was transferred over to Carrington mortgage Services on XX/XX/XXXX. See XXXX XXXX. I did not receive notice of transferring of service till XX/XX/XXXX There was no reason for me not to assume that I had an extension of my forbearance. I followed the procedure of the forbearance and after the sixth month, paid off the balance owed and proceeded to make payments again on XX/XX/XXXX. 
It should have been an easy transition with a reinstatement of the loan paying all the deferred payments in full. But it has become my worst nightmare for me as it has affected my ability to earn an income. 

Here is what happened. 
XXXXXXXX XXXX XXXX  loss mitigation Dept. did not enter any notes of the request of the extension on XX/XX/XXXX, into the file when it transferred over to Carrington Mortgage Services on XX/XX/XXXX. ( Let me make not that it was a request for extension not approved yet because they no longer had the loan ) 2. Carrington Mortgage Services believed they had a loan that was already in default when it was transferred. 
XXXX. They send a written notice out XX/XX/XXXX Notice of intent to Foreclose. And several other notices on XX/XX/XXXX and XX/XX/XXXX. See doc XXXX XXXX. On or around XXXX of XXXX. Carrington Mortgage Services reported that my loan was Delinquent 180 days. See XXXX XXXX XXXX. The back payments from the forbearance were paid in full in XXXX and Payments were resumed as of XX/XX/XXXX These are my complaints. XXXX XXXX should have transferred the file with the notes that the file was in the process of forbearance extension. Carrington had no records of any conversations with XXXX XXXX, and it looked like I walked away with no communication with the lender. 
My daughter lives at the property so these notices sent out XXXX, XX/XX/XXXX and XX/XX/XXXX, I did not receive. My phone number is the main contact number on the loan. THEY MADE NO ATTEMPT TO CONTACT ME BY PHONE TO DISCUSS OPTIONS OF REPAYMENT PLANS ETC. They say they are under no obligation to call me. 
In XXXX, the California state legislature amended the state 's foreclosure rules. It added the requirement that lenders must contact borrowers at least 30 days before beginning the foreclosure process to inform them they are at threat of foreclosure and providing information to facilitate alternatives. This notice is referred to as a notice of intent to foreclose. 
Had they called me in XXXX, it would have been straightened out that I was in forbearance with XXXX XXXX, and I would not have a XXXX delinquency on my record which in view of lenders guidelines is a foreclosure. 

The next following documents you will see is back and forth communication with written qualified written requests and notification of errors. 

The first two letters dated XX/XX/XXXX XXXX. XXXX XXXX responds to my inquiry and says as of XX/XX/XXXX, your account is reported paid as agreed. This is dared XX/XX/XXXX. They transferred the loan XX/XX/XXXX. How can they make a statement if they have not serviced the loan since XXXX? 
XXXX. Response from Carrington Mortgage Services states upon review of documentation from prior servicer, a second extension was only through XX/XX/XXXX. Nowhere in any documentation does it say there was a second extension to XX/XX/XXXX. They never verified anything with XXXX XXXX XXXX Doc 5 ) I sent a third qualified written response out to both lenders on XX/XX/XXXX. Of which neither lender has responded to. ( XXXX XXXX ) No response Sent a letter to the CEO, owner, and managing director of XXXX XXXX XXXX XXXX on XX/XX/XXXX. No response ( doc 7 ) This is a typical case of servicers who do not care about reporting truth and accuracy. There would not have ruined my credit if the servicers would have had more accountability. For Carrington Mortgage to send three letters out without an attempt to make a phone call is a violation. If XXXX XXXX  would have just reported the request for an extension, I would not have had this foreclosure on my credit The detrimental financial impact that this has created due to the fact I am a mortgage broker who after the Safe Act in XXXX can not have financial issues on their credit when managing of other peoples money. I have been denied three bonds from three different states which I am not able to have my license active anymore. 

This will have an on-going financial impact on my future earnings for at least 7 yrs. 


I am can only rely on your dept to uphold the accountability of servicers and their affiliates. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation