Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
I am writing on behalf of my father who I am the POA for him. On XX/XX/2010, he ( we ) closed on our home. For approximately 2 and 1/2 years we paid our mortgage diligently and on time. Which was around $ XXXX. About 2 years and some, we received a letter from XXXX XXXX XXXX ( became our lender after XXXX XXXX who was the original owner of the loan ) stating that we had to come up with an additional $ XXXX. As our home magically grew legs and positioned itself in a flood zone. There was no way we had that extra money and it was fraudulent placed on us as we continually complain to them that we were not and had never been in a flood zone. We continued to make our regular mortgage payments of {$2500.00} monthly in which they would say they were holding on to it because it was not the complete mortgage amount which they insisted was now approx. $ XXXX. They would continually send us the same paperwork noting the above and at some point they started to send us back our mortgage payments and were told that they weren't going to accept any other payments then what they stated was {$2900.00} with the additional flood insurance cost they were billing us. I researched and got in touch with as many agencies that could assist me in getting to the bottom issue of flood insurance forcibly placed on us. I contacted HUD and complained about the situation we were going through. They went so far as to file a complaint with XXXX and sent me copies of Maps outlining the home proving that we were NOT in a flood zone. At one point we hired XXXX XXXX XXXX who drafted letters to XXXX explaining the above and expressing to them that we would not file legal resources in this matteras we were only asking for the mortgage amount that it was supposed to be minus all their interest and fees and for the original arrears to be added to the end of the mortgage loan. They refused to even contact the attorney back. During this time my father was diagnosed with XXXX that I know was exacerbated because of his fear of loosing the home. During this mess I was diagnosed with XXXX and going through XXXX and XXXX which all put additional strains on us. At one point the bank finally admitted to their error however worded as Congratulations you are no longer in a flood zone! I wanted to scream and yell at them that we NEVER were. They refused to approve any loan modifications always with different excuses that they were missing this or that or that we had to initiate the process again. Then we received what I like to call XXXX 's promise. We received a notification from an attorneys office stating that XXXX had to pay over XXXX XXXX dollars on a class action suit involving the same situation they put us through. Once this was received by XXXX my loan all of sudden now belonged to XXXX mortgage where we had to begin the entire process over despite them having letters from doctors informing them the strain they were putting on us and how negatively it was affecting our health. Then I found out the the " new '' mortgage holder was a subsidiary of XXXX XXXX XXXX. They caused this situation of us being so arrears in our mortgage and we are now being foreclosed on by the lender. I would love to find an attorney in MA who would be willing to help me file a class action suit here in Massachusetts. We are begging and pleading for help to be able to keep our home. They illegally forced this burden on us and are refusing any modification or compensation of any kind.

Company response to consumer: Closed with explanation