Consumer complaint received 2024-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington mortgage advise me to write a letter and have it faxed over to Carrington mortgage To remove an appraisal fee that we did not order or request. We have submitted a letter in writing to remove the appraisal fee Along with asking for some assistance with the late payment fees Carrington mortgage is stating that we required a foreclosure appraisal.

We were never in a foreclosure. We were never in a pre-foreclosure. We did not pay XXXX payment per your advice because you stated that to be in a short sale we had to be 31 days late. Since that we have accumulated {$1000.00} in fee, including the {$590.00} appraisal fee. 
We are trying to catch up completely. 
My husband, co Borrower, was in the hospital and was under treatment. Had a loss of income from XXXX through XX/XX/year>. This information was shared in the letter faxed to Carrington mortgage We just received a letter stating that we are getting no assistance in this matter. They did not even respond to the loss of income. 
We entered a short sale because the payment increased with tax and insurance and due to the fact that we had a loss of income we could not afford the mortgage payment. We did not want to go into a foreclosure. We bought the property and have no equity so in order to sell it, we would have to do a short sale.. 
We were given advice in order to qualify for a short sale. We needed to be 31 days late. 
That affected so many other aspects it ruined my credit closed down credit cards, which I was being able to pay other bills with because of the loss of income in our family, and it has completely spiral downward. We have been trying to get assistance from Carrington mortgage during this whole process we also requested a loan modification instead of a payment reduction. They came back with any payment increase. They wanted us to pay an extra {$2000.00} a month For XXXX months which we did not if we didnt have the normal payment I dont understand how they thought we could pay an additional {$2000.00} a month for XXXX months then by submitting the payment information to the credit bureau they took away all of our free credit that we couldve been leveraging until we recoup our finances I can not understand why Carrington mortgage is refusing to work with us?

We are trying not to lose the home. We are trying to go into a foreclosure.

Is this what Carrington mortgage wants?

Since XXXX  XXXX  sold our mortgage to Carrington mortgage we have had nothing but a terrible experience. No one is willing to help us and it seems like all they are wanting us to do is foreclose.

As of today, we are up-to-date with the exception of the {$590.00} appraisal fee and {$680.00} of late payment fees.

We desperately Seeking assistance. Telephone conversations and written documentation is not helping with Carrington mortgage.

Company response to consumer: Closed with explanation