Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Around XXXX of this Year I was closing with XXXX XXXX XXXXXXXX. They had a really good interest rate for me under XXXX. A couple of days before closing they call XXXX to Verify payoff and they were told mortgage was already paid off. But nobody knew why or who. 2 weeks later we found out it was Carrington mortgage who bought the loan from loan care. We contacted Carrington and at this time they do not have information on my loan it ended up being another couple of weeks. Now there are extra fees and all sorts of stuff added to mortgage my payment got taken at loan care to pay a transfer fee, I never asked for the mortgage to be transferred then Carrington is charging extra fees. And I lost my rate on mortgage. So then I complain to Carrington and they told me I would just do the refinance with them that they couldn't give me that low of a rate but they would give me a XXXX and they pay my closing cost for the troubles they put me though. so when I got the rate sheet he had the low rate but he had closing cost and a rate buy down. I said ibwas getting XXXX and no closing cost you at XXXX with high cost for closing he assured me XXXX Carrington was paying the closing cost. He even had his XXXX get on the phone. They said they were never supposed to touch the house since we notified them we were closing a loan. He went on to say that XXXX XXXX  tends to dump mortgage right before closing because books are messed up. I kinda agreed since they took several payments of money and never gave me credit. Transfer fees lawyer fees. The guy at Carrington said that they were paying my closing cost and would get me a small check back at closing for all my troubles. They never notified me about the transfer the loan. Which he said was supposed to be done 30 days before. But they knew I was getting a mortgage and they wanted to not let me knew he said we should close in about XXXX to 10 days and everything be alright. Then 10 days past 20 days past. What's taking so long I asked he said they were backed up clear to close anyway everything is approved and good. Do I need to make a payment no jot right now it will mess up the XXXX. We should get clear to close anyday anyway. Then another 20 days go by I get a paper to sign with higher closing cost what is this i ask we had to extend rate we had to pay to keep it low. Don't worry Carrington is paying. Man it's been a while I got a bank that can debit right now he can send a guy over and we can close in 3 days. Carrington said anyway now just waiting on title company. XXXX I make a payment it's been a while yes but just pay this amount no need to pay escrow and all I'll have to send you another truth and lending another sheet with higher closing cost for me to sign. I asked it's now may almost since XXXX. We should have tomorrow they waitnf on Carrington to pay the closing next day sorry we can't close Carrington was willing to pay when I was a couple of months ago but now it's to expensive, and you need to pay your mortgage tomorrow and your escrow which you owe twice as much your monthly payments are now also going to go up XXXX a month now I am way behind they keep adding fees and want help me. We couldn't work due to hurricane they said who cares Carrington is trying to steal my house they tell me to do this forbearance then this one now they say I don't qualify for modification and I can't keep my house but I did everything they asked me too and then they keep basking for b fees and reporting me delinquent when they the ones who put me here they told me not to make those payments they told me to file this forbearance and all they want talk to me they keep saying if I don't do this they going XXXX XXXX on me they blocked me from a refinance and then when. I could of had so many banks that would of gave me an XXXX Carrington  XXXX XXXX along for 4 months when i said I was going ro go-to another bank but they pay your closing cost, they want pay your rate down. And we giving XXXX back at closing. It just be another day or so. A friend of mine in mortgage said when they buy the mortgage from another they out so much money so if ibwas refinancing they would lose it all their money please help me

Company response to consumer: Closed with explanation