Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington Mortgage Services has reported a delinquency of {$510.00} in attorney fees, a charge that is causing significant distress and confusion. This outstanding amount is appearing on my mortgage statements as past due, despite my efforts to provide proof of my address and current residency. It is particularly troubling that Carrington, a company with substantial financial resources, is insisting that I bear the cost of their legal expenses. This situation is exacerbated by Carrington 's refusal to incorporate these attorney fees into my ongoing home loan modification, a process designed to provide financial relief and stability. The consistent pressure and what feels like harassment from Carrington throughout this ordeal have been relentless, creating an environment of constant anxiety. 
Adding to the complexity and distress of this situation, Carrington has allegedly involved my own bankruptcy attorney, creating a divide where I feel unsupported. There is a serious concern that misinformation has been provided to my attorney regarding a {$21000.00} payment I received. This payment, which I understood was intended to address the past due balance, appears to have been misapplied or not applied at all by Carrington, further complicating the outstanding amount. This alleged misrepresentation by Carrington has created a critical breakdown in trust and communication, especially given my reliance on my attorney 's guidance during this financial hardship. 
My current financial circumstances are characterized by a limited income, which makes the demand for these attorney fees particularly burdensome. The prospect of having to expend my last available funds to cover Carrington 's legal costs is not only financially crippling but also morally questionable. This situation feels exceptionally unfair, and I am struggling to understand why Carrington would pursue such an aggressive and seemingly exploitative course of action against a borrower in a vulnerable financial position. The entire experience has been emotionally draining, and the insistence on collecting these fees feels like a deliberate attempt to exacerbate my financial difficulties.

The actions taken by Carrington have not only created financial strain but have also led to a significant amount of emotional distress. I feel that Carrington has engaged in a pattern of deceit, spreading falsehoods and attempting to misrepresent my financial situation and actions to my bankruptcy attorney. This has created a perception that I am in the wrong or acting in bad faith, when in reality, I am a borrower facing genuine financial challenges and trying to navigate a complex mortgage situation. The constant pressure, the alleged misrepresentation of payments, and the demand for attorney fees under these circumstances have all contributed to a feeling of being unfairly targeted and unfairly treated by Carrington.

Company response to consumer: Closed with explanation