Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home 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: GA

Complaint narrative:
On XX/XX/XXXX, I had a Court date with an Attorney XXXX out of XXXX, Florida, as his office put in the XXXX system a Case No. XXXX in the XXXX XXXX of XXXX XXXX XXXX XXXX Florida . 

The Plaintiff, supposedly XXXX XXXX XXXX XXXX XXXX, as XXXX for Carrington Mortgage Loan Trust Series XXXX XXXX XXXX XXXX-Through Certificates filed this case against me. This could not be true because this is a pooled loan that has been " Securitized ''. The only reason I haven't been able to get a proper accounting of what is owed, and Carrington 's fees are excessive. 

So many, not on my knowledge were even paying the taxes. I chose to resolve all of these issue. Sometimes, you do not know all the intricacies of your Parents properties. 

This was my Mother 's property and I received this property through XXXX. I have been trying to work with Carrington, however, they keep denying a Modification, and they send an attorney to practice theft. The Consumer Financial Protection Bureau has fined this Company, and I would like to apply for the fund that is available in your office because of the theft of Carrington with its consumers. 

And, the lawyer should be fined because his law firm is in the business of theft of property, targeting Seniors properties. Acting like he has the Note, having employees such as XXXX XXXX to prepare an Affidavit for his scheme of a Final Summary Judgment, and none of those documents were certified, and the Affidavit for XXXX XXXX, not signed, just stamped. To include, this isn't a Default of which, is proclaimed. This is a scheme to not approve mitigation in favor of " XXXX '', and they are labeling it a Foreclosure. 

The Judge literally granted Attorney XXXX to approve his ( Plaintiff 's ) Motion for Final Summary Judgment of Foreclosure. We all know this is always a tactic of Attorney 's in the Court system to snatch equity, and sell the property. It is a scheme that must be stopped. 

What is owed is less than {$40000.00}, however, I do not believe it is this amount due. At the time I was working to facilitate a solution, we were under The Cares Act, which is XXXX legislation for private property rights and Homeowners. 

I know the CFPB found on XX/XX/XXXX that Carrington misled certain homeowners who had sought a forbearance under the CARES Act into paying improper late fees, deceived consumers about forbearance and repayment options, and inaccurately reported the forbearance status of borrowers to the three credit reporting agencies. 

I am one of those Consumers who have been deceived so that I can be accountable to the property I now own, which was passed down through Probate. I have never received a refund, nor has Carrington worked with me to solve this issue. 

I am asking to request part of the XXXX XXXX penalty that has been deposited into the CFPB 's relief fund. I do need relief from this purported Foreclosure, which is an Illegal Foreclosure. As you state, Carrington is a non-bank. I am asking the CFPB to audit my account and force Carrington to make it right, free of their scheme to set a date on Foreclosure, which still violates why you gave this company a stiff penalty in the first place. 

The actions that I took was working with Carrington to solve this issue, and they would not. They are subject to " Investors '', of which is concealment, and a " Contract Not Held ''. These Investors get monthly checks. Doesn't this sound strange, and it's my property. 

The remedy. This property should be already paid off and I question the accounting. Yes, I desire to apply for the Victim 's Relief Fund on the property. This is my family home.

Company response to consumer: Closed with explanation