Consumer complaint received 2026-04-22 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: TX

Complaint narrative:
This is my second attempt, I am formally rejecting Carringtons response of XX/XX/XXXX. Their claim of an " email mismatch '' is a verifiable falsehood used to obstruct a federal investigation and bypass my rights as a borrower. the first filing Carrington claimed that I did not provide my updated information, further more they claim I asked them to keep the primary borrower out which I did not I simply asked to be involved, on XX/XX/XXXX I provided my new email to be informed, I wasnt. I spoke to XXXX and XXXX and was ignored time and time again. I provided the protective order and they advised me to contact the abuser for the information I was seeking. I also requested to get the paperwork and I was told I can agree and sign over the phone or wait for it to arrive in the mail, I requested to know what address is was sent to as I hadnt received anything and it was close to foreclose date.. They said they couldnt provide that, turns out it was under someone elses address, not XXXX or XXXX. It wasnt til XX/XX/XXXX ( 8 days before foreclosure ) that I called to check on statue of the mailed paperwork they claimed to have mailed to my home address and then they did EMAIL the documents that they earlier claimed couldnt provide only to be mail and withheld the address they had been mailed to. The documents they emailed had SOMEONE elses address not my home or XXXX. Carringtons assertion that my email is not on file is a bad faith claim. I have preserved the following evidence, which is attached to this dispute : XX/XX/XXXX : Automated confirmation from Carrington confirming my account and email update. XX/XX/XXXX : Direct correspondence with Carrington staff explicitly clarifying my contact information and the necessity of direct communication. Carrington is willfully ignoring me and attempting to funnel communication through XXXX XXXX XXXX. I not once asked to keep him out of the loop as they claim, I simply asked to be informed as well to keep my home Carrington has been formally notified of the active 4-year Restraining Order/Protective Order currently in place. * By refusing to communicate with me and attempting to contact the Respondent of a Protective Order instead, Carrington is failing in its duty to protect the security of this account. Carrington is prioritizing the instructions of an individual who has been legally ordered to stay away, effectively facilitating financial abuse and harassment by proxy. Additionally I am putting Carrington on notice for the following violations : RESPA / Regulation X ( 12 CFR 1024.35 and 1024.36 .. Failure to acknowledge and respond to a " Notice of Error '' and " Request for Information '' by providing false administrative barriers. FDCPA : Engaging in " unfair or unconscionable means '' by ignoring a verified borrower and communicating with unauthorized or restricted parties. UDAAP : Using deceptive administrative excuses to delay a borrower 's ability to resolve a dispute. Ive attached where I updated my email address, one of the emails Ive attempted to also update my information and the email XXXX sent 8 days prior to foreclosure along with the document showing a completely different address not belonging to me or XXXX.

Company response to consumer: Closed with explanation