Consumer complaint received 2026-06-02 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: CA

Complaint narrative:
NEW COMPLAINT : MATERIAL SYSTEMIC FORECLOSURE VIOLATIONS & INHERITED SERVICER MISCONDUCT TARGET COMPANY : Carrington Mortgage Services RELATED PRIOR CASE ( FOR AUDITOR REFERENCE ) : XXXX I am filing this formal complaint against my current mortgage servicer, Carrington Mortgage Services ( transfer effective XX/XX/XXXX ), to compel the immediate rescission of an entirely non-compliant, illegal foreclosure track inherited from the transferor servicer, XXXX. XXXX engaged in a documented pattern of statutory violations and subsequent regulatory concealment before dumping this toxic file onto Carrington. 1. Foundational Procedural Defect ( XX/XX/XXXX Notice of Default ) On XX/XX/XXXX : The foreclosure trustee issued an initial written notice granting a debt validation and dispute window running through XX/XX/XXXX. On XX/XX/XXXX : While this contractually and statutorily defined dispute window was actively open, the servicer prematurely recorded a formal Notice of Default ( NOD ) with the XXXX XXXX XXXX , poisoning the foundation of the foreclosure track. 2. Severe Dual-Tracking Statutory Violation ( XX/XX/XXXX Notice of Trustee Sale ) [ This was the subject of the previous complaint, but it's the background for the next ] XXXX explicitly violated CA Civil Code 2923.6 ( c ) and 12 CFR 1024.41 ( g ) by executing dual-tracking maneuvers while a complete loan modification application was actively under review. The exact sequence of events establishes a clear statutory breach : On XX/XX/XXXX : XXXX issued a formal written notice explicitly confirming that my loss mitigation application was complete. Statutorily, this acknowledgment triggered an immediate, mandatory freeze on all foreclosure actions. On XX/XX/XXXX : In direct violation of the active statutory freeze, XXXX recorded a Notice of Trustee Sale ( NOTS ) with the county recorder. On XX/XX/XXXX : XXXX physically posted the illegal notice of sale on my primary residence. On XX/XX/XXXX : In an official telephonic communication, a XXXX representative explicitly admitted that the company failed to stop the foreclosure process upon completion of the application on XX/XX/XXXX. The representative stated that internal protocols delayed the foreclosure hold until XX/XX/XXXX to wait for underwriting to formally commence. A servicer 's internal administrative lag does not excuse or override state and federal dual-tracking prohibitions. Recording and posting an NOTS within 24 hours of declaring an application complete is a flagrant violation of law. 3. Convoluted CFPB Process & XXXX Transparency Violations I previously attempted to address these material timeline violations via a CFPB complaint against XXXX. The CFPB subsequently marked that complaint as " Closed '' because XXXX uploaded a response to the secure Bureau portal. However, despite clear regulatory expectations and my repeated, explicit requests in writing, XXXX has continuously refused to provide me with a copy of the response they provided to the CFPB. By cloaking their regulatory submissions from the consumer, XXXX engaged in bad-faith concealment to keep me entirely in the dark regarding their defenses, subsequently transferring this heavily compromised, legally non-compliant file to Carrington Mortgage Services on XX/XX/XXXX.

Company response to consumer: Closed with explanation