Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
FORMAL COMPLAINT MORTGAGE SERVICING AND FORECLOSURE ABUSES Servicer : Carrington Mortgage Services , LLC Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX SUMMARY OF COMPLAINT I am filing this complaint against Carrington Mortgage Services , LLC for illegal mortgage servicing practices, prohibited dual tracking, equity stripping, defective foreclosure actions under Virginia law, RESPA / XXXX XXXX XXXX UDAAP violations, and potential age discrimination under ECOA.

Carrington is actively pursuing non-judicial foreclosure on my primary residence while simultaneously failing to comply with federal mortgage-servicing requirements and while material servicing disputes remain unresolved. Carringtons conduct places my home at imminent risk of unlawful sale and has caused severe financial and emotional distress. 

FORECLOSURE STATUS AND IMMINENT HARM A stated foreclosure date of XX/XX/year> XXXX is advancing foreclosure despite unresolved errors and disputes, creating imminent and irreparable harm through loss of my home and accumulated equity. 

ILLEGAL DUAL TRACKING ( RESPA / XXXX XXXX Carrington is engaging in dual tracking, which is expressly prohibited under 12 C.F.R. 1024.41.

Specifically : Foreclosure proceedings have continued while loss-mitigation options were pending, incomplete, or improperly evaluated. 
Carrington failed to conduct a good-faith review of all available foreclosure-avoidance alternatives. 

Foreclosure actions were advanced without providing a lawful, complete, and reasoned determination. 

Proceeding with foreclosure under these circumstances is a clear violation of RESPA as amended by the XXXX XXXX. 

FAILURE TO PROPERLY EVALUATE LOSS MITIGATION Carrington failed to : Properly evaluate me for all available loss-mitigation options Provide clear explanations, documentation, or lawful denial notices Engage in meaningful foreclosure-prevention efforts This conduct violates 12 U.S.C. 2605 ( k ) and 12 C.F.R. 1024.41 ( c ) ( f ).

UNFAIR, DECEPTIVE, AND ABUSIVE ACTS OR PRACTICES ( UDAAP ) Carringtons conduct constitutes unfair, deceptive, and abusive acts or practices under 12 U.S.C. 5531, including : Rushing foreclosure rather than preserving homeownership Advancing foreclosure while material disputes remain unresolved Creating confusion through conflicting foreclosure dates Failing to provide accurate, transparent, and complete information These actions appear designed to strip homeowner equity rather than comply with federal servicing obligations.

DEFECTIVE FORECLOSURE UNDER VIRGINIA LAW Virginia is a non-judicial foreclosure state, but servicers and trustees must strictly comply with the deed of trust and applicable notice requirements.

Carrington has failed to demonstrate : Clear authority to foreclose Proper and accurate notice Lawful timing and coordination of foreclosure actions Any foreclosure conducted under these circumstances is defective and subject to injunction or rescission. 

POTENTIAL AGE DISCRIMINATION ( ECOA ) Carringtons servicing conduct raises serious concerns of age discrimination, prohibited under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B. 

The refusal to meaningfully engage in loss-mitigation efforts, combined with aggressive foreclosure acceleration, suggests that my age may have been improperly considered in servicing decisions. Such conduct is unlawful and warrants investigation. 

FAILURE TO RESPOND TO DISPUTES AND INFORMATION REQUESTS Carrington has failed to timely and fully respond to servicing disputes and requests for information as required under RESPA and Regulation X, further compounding the violations described above. 

HARM CAUSED As a result of Carringtons actions, I have suffered : Imminent risk of unlawful foreclosure Severe emotional distress Loss of time, resources, and financial stability Threatened loss of significant home equity

Company response to consumer: Closed with explanation