Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
I am the borrower on FHA loan number XXXX, FHA case number XXXX, serviced by Carrington Mortgage Services LLC for the property at XXXX XXXX XXXX, XXXX CT XXXX. I am filing this complaint because Carrington has failed to adequately evaluate my loss mitigation options, failed to respond to formal written communications, and is proceeding toward modification cancellation while active court proceedings directly related to the loan are pending. Timeline of good faith compliance : XX/XX/XXXX to present : I have been the sole financial obligor on this mortgage without any contribution from co-borrower XXXX XXXX XXXX, consistent with our divorce separation agreement designating the property solely as mine. XX/XX/XXXX : Co-borrower XXXX XXXX XXXX executed a Quit Claim Deed recorded with the City of XXXX Connecticut establishing me as sole legal owner of the property. This is public record. Through XX/XX/XXXX : I complied fully with an approved forbearance agreement. XX/XX/XXXX : Carrington established a XXXX month trial payment plan at {$3100.00} per month which I accepted and executed. XXXX through XX/XX/XXXX : I made all XXXX required trial payments of {$3100.00} in full and on time demonstrating complete good faith compliance. Upon receipt of final modification documents : Execution was halted solely because co-borrower XXXX XXXX XXXX refused to sign, despite having already relinquished all legal ownership interest via the recorded quit claim deed. XX/XX/XXXX : I filed an emergency motion with the Connecticut XXXX XXXX seeking to compel XXXX XXXX 's signature or authorize single borrower execution. A hearing is scheduled for XX/XX/XXXX. XX/XX/XXXX : I submitted a formal written request to XXXX including the recorded quit claim deed, divorce separation agreement, and requests for deadline extension and solo borrower option evaluation. XX/XX/XXXX : Carrington 's title team advised both signatures are required and declined to evaluate any alternative options. The title team response did not address the recorded quit claim deed. XX/XX/XXXX : I emailed XXXX XXXX, my assigned Loss Mitigation XXXX at XXXX, with a complete update including all documentation. No response has been received as of the date of this complaint. Specific complaints : One Failure to evaluate all available FHA loss mitigation options. As the servicer of an FHA insured loan Carrington is obligated under HUD XXXX XXXX to evaluate all available loss mitigation options before initiating or advancing foreclosure proceedings. Carrington has failed to evaluate or provide written clarification on whether any FHA option including loan assumption, streamline refinance, partial claim, or single borrower modification execution is available given the recorded quit claim deed establishing me as sole legal owner. XXXX Failure to acknowledge executed legal documents. Carrington 's title team response failed to address the recorded quit claim deed dated XX/XX/XXXX establishing that the co-borrower refusing to sign has no remaining legal ownership interest in the property. XXXX Failure to respond to formal written communications. My XX/XX/XXXX formal written request and my XX/XX/XXXX email to my assigned XXXX have received no substantive written response. XXXX Advancing toward modification cancellation while court proceedings are pending. Carrington is proceeding toward cancellation of an approved modification on a willing, qualified, fully employed borrower who is the sole legal owner of the property, while court proceedings specifically to resolve the co-borrower signature issue are actively pending before the Connecticut XXXX XXXX. XXXX Refusing to extend modification deadline despite active litigation. Carrington has not confirmed any extension of the modification deadline despite my formal written requests and the pendency of the XX/XX/XXXX court hearing.

Company response to consumer: Closed with explanation