Consumer complaint received 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
Please note there was no choice that suits this circumstance and I chose what was closest. ie : Applying for a mortgage or refinancing an existing mortgage I told Carrington Mortgage of the fraud already. So they are liable to the fraud happening and connected with this account. I do not consent. XXXX and the lawyers made their choices. Clean up this mess please and make it right Carrington Mortgage. I'm sure your license is precious to you too. 

I have been targeted for the past year by 3rd party collection agencies all over the states because XXXX XXXX keeps opening up accounts in my name without my consent and using my identification. I have been called and harassed by them and derogatory remarks made in a way that should not even be happening. 

My lawyer told him not to do it any more and he continues still. A demand letter was recently sent and they continue to send me a XXXX account again to pay XXXX. I also just got a letter from Carrington Mortgage company that foreclosure warning for them. So they are now wanting to get me out of the picture altogether and plan on evicting me from the home that is really mine since XXXX that XXXX has apparently taken from me for nothing. 
I sent him XXXX certified documents for him to answer my questions that I have every right to know. Like for example, authentic proof of the wire transfer on XX/XX/XXXX he was going to make. 

He has sent me nothing except he and his team doctored up a recent accounting. I also got XXXX sent to me from XXXX directly and they do not have those amounts listed like with XXXX 's team had put together. Same ole deceipt. Nothing is on the up and up with these people. 

I have frozen my credit reports. I have disputed about this identity fraud and am gathering my evidence to send them soon after reopening. There is an ongoing investigation with fraudulent documents with my signatures on them that I never saw on XX/XX/XXXX that were notarized where I was not present for them either. 

I will speak to a detective on Monday about this. 

I had written a certified letter to XXXX XXXX XXXX  and XXXX XXXX in XX/XX/XXXX wondering if they were aware of the fraud going on and that this made them liable to the fraud. XXXX XXXX account was already closed then but I wanted them to know. I'm sure their license is precious to them. XXXX XXXX XXXX released me and then closed the account on XX/XX/XXXX. 

Remember I had already made full pay offs to both banks XXXX 's that were accepted. These accounts no longer exist but they try again to reopen them. Recently the Lawyers had XXXX ask me for another full pay off. When will this end? I hope you can do something about this. It's beyond anything I've ever experienced and would not wish this on anyone. It has been a nightmare. 

XXXX and XXXX tried getting me to sign up to XXXX again around this time that the Legal counsel closed my account and I noticed they changed the account number by dropping the XXXX to deceive me so I would contract with them. I did not consent. Also they basically stated on the statement you can pay XXXX with XXXX or you can go to Carrington Mortgage and have XXXX mortgages possibly to get me to consent with XXXX. I do not consent to any of this fraud. I do not want anything to do with these people. Why would I? 

The XXXX was closed in XX/XX/XXXX after payoffs accepted by the CEO 's back then. The Lawyers used urgency and undo duress and would not take my home off the auction block even though I told them the XXXX 's accepted my payoff. 

It's a well oiled machine. They create so much unnecessary duress and would not even postpone this auction when I pleaded with them. 

Even when I told them the CEO accepted the payoff 's. They not only accepted the payoff 's but they asked me to send them the payoff that was including fees etc. So I did and they accepted that too. XX/XX/XXXX was the last payment which was by the CEO. Again to get them off my back. This shows on the credit report as the last payment which was the full payoff amount. 

They would not even postpone the auction that was on XX/XX/XXXX. The lawyer told me that I would need to come up with an official proof of a wire transfer by midnight that night. They would not stop. Come to find out XXXX was the only one at the auction. This too is against the law. I had no clue this is what his secret agenda was. It's very apparent what the agenda has been all along. 

He said he would pay off the fees and remaining amount on the accounts. That he would put my Family Trust in another Trust where I would be the beneficiary and would be able to keep my house and the equity. I could refinance in 6 months. It was this or my house would be auctioned off. This is the kind of environment they create that is so stressful. He left it to the last minute on XX/XX/XXXX, so I had no more options. 

I had many people that were happy to make me a decent offer too to buy my house from me. 

When I finally got the copies I was in shock at the notarized signatures to documents I had never seen before? XXXX had dismantled my Trust and put himself as the Beneficiary to the securities. He asked me the night before to send him copies of my trust. So I sent him 3 pages unfortunately. I have an email where he says he will need to get the rest of the trust tomorrow. 

On the document he uses his old company that has been inactive since XXXX and the lawyer 's address says XXXX, Utah. All very shady. I do not consent. 

XXXX changed it up and made his choices. I want nothing to do with any of them. I have had enough of their harassment and I want it to stop. 

They are very predatory, aggressive, arrogant and greedy and will not stop because there are many fingers in the pie. Not my problem. 

It was all done illegally from the get go. No court order. The lawyers used robosignatures, different signatures for the same person, changing the spelling of a Lawyer 's name to deceive. It's disgusting and I'm sure I'm not the only one that has had this happen from these people. For example when I asked for a verification of the signature of the woman whom boldly signed my house over from XXXX. I was told they could not get that for me nor would she speak to me. They would just bulldoze over me and ignore anything I would say and were mean about it. Hmmm weren't they at the time supposed to be of service to me too? XXXX recently told the Sheriff that I'm not all there, If you know what I mean, he added. This is what he does. He deflects things off of him and everyone believes XXXX. He is a classic conman.

Company response to consumer: Closed with explanation