Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
Hello, I am a cosigner on a FHA loan, The loan number is XXXX mortgage lender is Carrington Mortgage .

I have contacted the bank multiple times in the past about deleting my name off the loan because the terms of the loan and amount of payment have been completely changed. The payment amount has been changed and the term of the loan has been extended to another 30 year note. This is a refinancing of a loan. The bank says they dont have to take my name off the note because they say the loan is modified and not a refinance of a mortgage.Its all about the wording that the bank says they dont have to take my name off the loan. They changed the term of the loan to another 30 years and the payment amount has changed quite substantially. 
In fact i do have a letter between Carrington Bank and the XXXX XXXX XXXX XXXX XXXX XXXX saying that the first borrower and the bank dont know my location. 
Both the borrower and I live in the same town and have not moved, or changed a address for probably 23 years. 
I was able to print a letter between Carrington mortgage and the XXXX XXXX XXXX XXXX XXXXXXXX. In this letter, it states that the first signer, XXXX XXXX could not locate me for a signature. Also, carrington mortgage has all my info. I have an online account with them to monitor this loan because XXXX XXXX does not like to pay her debts. There was no reason I could not be contacted. I have never lived at the property or paid any payment on this loan, EVER. 
XXXX XXXX was very deceitful in all communications about this loan and all the changes right from the start of having Carrington mortgage take the loan over.

The Bank is being very deceitful as well, The wording of the term modification is deceitful and morally wrong. The reason for that wording is to only keep my name on the loan. 
The bottom line is this loan has been totaly changed atleast twice since its been with Carrington mortgage, The end date of this mortgage is now XXXX with the new terms of this loan. I think loan was first taken out from Carrington mortgage in XXXX  and after atleast a couple of modifications as the bank puts it, the end date is XXXX. 
That does not include the years before Carrington bank. This loan was transferred from XXXX XXXX XXXX XXXX XXXX XXXXXXXX and then to Carrington Mortgage in the years before XXXX 
It is totaly wrong that my name should be on this loan when the loan has been totaly changed with term length and the payment amount.. 
XXXX XXXX outright lied to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX about not knowing my whereabouts and the bank totally has lied about not being able to contact me. They have all my information as to where I live along with my phone number and total online access to contact me. FHA loans require signatures of all signers of a mortgage.They went behind my back and went ahead with changes to the loan.I am registered with them with online access with Carrington mortgage. The major changes to this loan warrant my name being deleted from this loan. This loan was refinanced but because of the banks terminology, they will not take my name off the note.That is totally and morally wrong. 
I hope you can help with this matter and have the bank remove my name off the loan.

Company response to consumer: Closed with explanation