Consumer complaint received 2024-12-15 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: ID

Complaint narrative:
My mortgage servicer for my FHA loan is Carrington and I feel that they are not giving me a chance to be considered for homeowner assistance programs and are pushing me into foreclosure. I have gone through several difficult situations, but am now on my feet with a new job and additional income sources and want to try and work things out. The problem is that they are telling me the only option is to reinstate the past due balance in full, while they are having a foreclosure attorney contact me. I am very frustrated and concerned with the way they have handled the servicing of my mortgage loan. I had some major issues due to loss of employment, fire and injury that put me on workmens compensation. I have tried to communicate with Carrington and I got an email that said XXXX is reviewing my application, but I have not sent any application in. When I call to follow up I get conflicting information and it sounds like this is a delay tactic because now I am in the foreclosure system at Carrington. I thought there were programs that could help someone in my situation save their home. It sounds like Carrington has moved past that part of the program and instead started trying to auction off my home. I am back on my feet financially and can make things right if Carrington were to allow access to government programs they are supposed to offer. 

This home was owned by my parents since XXXX. When they passed away I bought the house with a loan from XXXX XXXX  in XXXX. I refinanced with XXXX in XXXX and got some cash out to get caught up on bills. I have worked as a truck driver for 30 years and it is a business with a lot of ups and downs and I was never able to save very much money. In fall of XXXX my ex-girlfriend was going to move several hours away and take our XXXX XXXX XXXX daughter with her. My daughter did not want to go and I desperately tried to come up with a plan so she could stay close to me and her grandparents. I put together the money I had and bought an RV and a space at an RV park and my daughter and I stayed there while I commuted to work and my primary residence. This lasted a few months and put me into a tough place financially and I defaulted on the loan. I contacted XXXX  and they worked with me and put me into a HUD program to put the past due payments into a second XXXX so I could resume making the regular mortgage payments. I was able to make the first couple of payments as my daughter had moved in with her grandparents but I was still in a lease for the RV Park and then my work truck caught on fire and it was a crazy situation and while I was trying to put the fire out I seriously injured my shoulder. This put me out of work. Due to all of these problems I fell behind on the mortgage payment again and was on workmens compensation for a couple of months. 

When I fell behind after getting the help in XXXX the loan had transferred to Carrington. When I ran into all of these problems I contacted them to tell them what was going on. I was told that I would need to reinstate the full past due amount and that I was going into foreclosure. I could not believe that Carrington was sending my case to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation