Consumer Complaints and Reviews
As soon as you hear from Carrington, RUN. We were in the WV flood. We've been paying flood insurance for 10 years now. Long story short, for now, been living in a camper for 4 months now due to Carrington. They are unable to communicate without listening to lies from them, every day. We need to call them everyday because they never call back although they tell us they will. I will be back to tell the whole story later. Just be happy that you are not a Carrington employee. If I were, I'd be ashamed big time to work for a company that has never cared less about a customer than I ever experienced in 30 years. Shame on you!
We have been working with Carrington since beginning of June. It is now October 2 weeks before closing and they just denied our loan. I put my house on the market and sold it based on their pre-approval which was a joke. Every couple weeks they needed something else to make the loan work. Now that we have sold our home we have nowhere to go in 2 weeks when we close. I hope this company is put out of business for their corrupt practices. I have feel like they lied to me from the get go and just wanted to string me along. The first loan officer was horrible and we could never get ahold of him but when the manager called and asked us to give them another chance I thought it would be better. I should have went with my GUT that this company was horrible. Please be aware of anything this company tells you.
I received a letter from Chase indicating that they sold my loan. I immediately wanted to know what this dishonest institute was up to. I researched and discovered that Carrington has a poor record and have scammed many hard working Americans. I read a complaint by one woman who said her loan was previously service by New Century Financial (poor service) then was sold to Carrington (even worse). I wanted her to know that these two companies are one in the same.
These companies file bankruptcy and change their names around. I am researching to find out the connection between Chase and Carrington or Bank of America. (Is Carrington a subsidiary?) I am trying to be proactive after hearing many of the complaints filed by Americans. It is October 22, 2016. The change is scheduled to take place on November 2 2016. Unfortunately, after having read many books about the corruption in our federal government, FDA, banks, pharmaceutical companies, and overall decline in honesty in America I don't expect much from these institutions. I prayed for God's help. I will keep you notified.
I tried to get a loan with Carrington Mortgage and at first they said I was approved for a loan and told me to start putting in offers for houses. When we couldn't find anything they told us that they would need to run our credit again in order to update their files. We were still within 3 months of our pre-approval. They ran it again and this time they told us that they wouldn't be able to help us which makes no sense to me when our credit didn't change. The guy we spoke with pretty much said "we need to manage our finances better before he can help us out." I was offended because we were late on a couple car payments due to health issues. But he didn't care nor did he give us any compassion. I will never deal with this company ever again.
For several years we have owned a home with a loan that was eventually sold to Carrington Mortgage. No problems for a while. Until we moved. Then Carrington could not seem to get our new address put into their records... despite notes and phone calls, months went by with them sending the payment notices to the wrong address. Finally, one payment hit the 30 day late bracket and, on the occasion of our applying for another loan, we found they had caused a ding in our credit score, resulting in a 70 point reduction.
I called (again) to complain, explain, and request a removal or adjustment of their adverse credit report. In short, they would not do it. And told me that I could submit a letter requesting reconsideration for which they would take action and respond to "within 30 days". Three months later, they have not responded and, despite their adverse credit report, we refinanced and closed today.
Recommendation: Stay away from this company like the plague!!! All you have to do is look at the incredible number of complaints similar to mine to see that they should be defendants in a class action lawsuit and removed from the banking business altogether. I hope we can get some justice out of this company's pathetic attempt at business.
How do I know I can trust these reviews about Carrington Mortgage Services?
- 611,656 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
I spent a good part of an afternoon trying to get answers from this company. My balance is low. I have an insurance claim check with Carrington's name included as a payee. I want to apply that check and additional funds and pay off the loan. Staff were unable to give me answers, drilled me with unimportant questions, and hung up on me. I was told to send an email for answers. When I sent the email as directed, the response was, "Call the 800 number." I guess it will take another several hours to get the help I deserve. AVOID this company, which interestingly, answers the phone like a collection agency, rather than a mortgage company.
When Bank of America sold my loan to Carrington, it began the beginning of underhanded late fees and charges and continued discourteous services. I pay my mortgage from one bank to another at least usually 6 days in advance, once 10 days and still keep getting late feels from Carrington. I feel they are operating a scam and many of us mortgage lenders have been victimize and would like to initiate an investigation and class action suit. I'm thinking they are not opening the mail timely, they have selected Bank of America loan holders and are scamming us as I seen many of you having the same issues since the transition.
Ive written them and I think they screw up your credit to disable you from getting good scores and leaving you a forced choice to remain with them. I have verified my bank send out dates and it just can be they are getting things late. Furthermore they raise the mortgage amount and don't tell you, so if you are on a recurrent pay system you are automatically late. I've had an unblemished record prior to the load transfer and am disappointed that no one has opened up a law suit. I'm not trying to but I'm sick and tired of what's transpiring here. There is something very wrong going on here. I'm hoping consumer affairs looks into this as I too am going to make complaints to brokerage houses.
Then after that was corrected after being on the phone for over an hour we attempted to send in another payment with instruction that the remainder go to principal.
When we inquired they said they didn't know where to put it so they added some to our escrow and the rest to pay us up till December. We explained we filled out request online for it to go to principal but it didn't happen. We told the person on the phone we plan on paying off the mortgage by the end of the year and asked what we needed to do to make the final payment?
They said it had to be wired or cashier check, really you've taken all the other payments till now. It's like they are doing every thing possible to drain more money from those that have them as a mortgage company. Now, we are concerned that our money in escrow to pay our taxes and insurance might not be refunded to us in a timely manner. This is not a warm and friendly company to do business with. When you call them the recording sounds like a threat you are being recorded and anything you say can be used against you. Really how bout you cashing our check for an incorrect amount, isn't that illegal?
In answer to all the folks who are being robbed, duped or otherwise pissed off by Carrington Mortgage - here's a couple who won a lawsuit. I'll keep on searching for any class action suits even though I've sold my home and am only waiting for the buyers to close on it (thank you LORD). This mortgage servicer has been trying to take my home even though payments were always being made, although late (I live in FL - the house is in NC rented. Had to leave it vacant for repairs because of lousy 2nd tenant...). Anyway, if anyone finds anything - please post for the rest of us. Meanwhile, enjoy reading this couple's triumph LOL - HAH!
I have not received a monthly mortgage bill/statement since April 2016 for my May 2016 payment. In order to make a payment, I have had to make a copy of an old, out-of-date statement/bill to send my payment in. I contacted Carrington Mortgage June 2016 to let them know that, for some reason, I am not receiving a bill.
The person I spoke with, Steve, indicated to me, that Carrington Mortgage is not in compliance with bankruptcy rules and, therefore, cannot sent out bills. He indicated that they stopped sending out bills in June, which is not true because I stopped receiving them well before that. He indicated that if I wanted bills sent to me, I would need to fax in a request, which I did on two separate occasions. These requests apparently fell on deaf ears, because I have yet to receive a bill. The only thing(s) I received from them were in September 2016 indicating that my mortgage interest rate would be changing and what the new payment per month would be and also a break down as to where my payments went towards each month for the past year.
I also indicated on the copies of bills I had to make that I send in with my monthly payment that I have not been receiving my monthly statements/bills and that the requests had been faxed to the fax number provided. I also indicated to them that if I did not begin receiving them as request multiple times, that I would be contacting the Better Business Bureau, again, as well as Consumer Affairs, again. I also told them that if they were not in compliance with bankruptcy rules, what else are they not in compliance with. I have read multiple complaints regarding this company. I also told them that I would be bringing this to the attention of the attorney general of my state, as well as our country if need be.
Something is very wrong with this company. I should not have to go through all this in order to get something sent to me that should be sent. I did not opt out of having the statements sent to me! The statements/bills should be sent to me via US Mail! I cannot even print off a statement from their website as their website is not like others that I am able to print bills/statements from.
Unfortunately, I am not able to refinance my mortgage away from this company. My mortgage was sold to them from CitiMortgage a couple of years ago and it has been a nightmare ever since. The reason I cannot refinance to get away from this company is because I had to declare bankruptcy due to a divorce. It's bad enough that I had to file bankruptcy, but to have to continue to be treated the way that this company is treating me, is completely uncalled for. I feel that this company should be investigated and possibly put out of business because of the way they continue to treat the customers of the mortgages they obtained from banks.
On an updated note, I received a call from someone named Cheryl today, and she indicated to me that I would need to fax another request and include my signature and loan number, which was included on the previous faxes. She also guaranteed me that the matter would be taken care of. She also told me that since the loan was discharged from my credit, I am not obligated to make a payment which was why they no longer mailed out the statements/bills. I told that I was obligated and required to if I wanted to keep a roof over my head (as told to me by my attorney). She told me that I was not obligated and she knows an attorney who is educated. I told her that if I did not make a payment, that they would come after me and take my home. She said they would not come after me only the property. I told her that was the same thing.
She then laughed at me like I was stupid or something when I told her again what my attorney told me that I needed to continue making payments. I then told her she was ** funny and then discontinued the call. I am going to draft a letter to the attorney general in my state as this company seriously needs to be investigated. I have had only a few months with no problems until this. I really do not understand why our government can allow companies such as this to continue in business. I am sure that if enough people complain to those that matter, continually, such as attorney generals of our respective states, then something will need to be done. I am also considering sending something to the U.S. attorney general as well.
Who knows, maybe the reason why Carrington Mortgage is able to stay in business and treat people the way they do is because they are paying someone off through lobbying, etc. Just saying. I also agree that a class action lawsuit should be started. This company needs to be held responsible for the way they conduct their business, or lack thereof.
I have had the worst experience of my life with Carrington Mortgage when I decided to do a modification to bring my house payment down. I agreed to the amount and you have to send in 3 checks within a certain amount of time or you lose out on that modification. Well, they lost the certified check, so I sent another by FedEx and Carrington claimed there was no one to sign for checks!? So by the time my check was found, another modification had to be done and guess what the amount went up by $200.00, and it took almost 6 months or longer just to get that far.
When I agreed to the modification someone was in my yard taking pictures and told us they were from the mortgage company that our home had been sold and now Wells Fargo owned it. This is after 15 years of living with a mortgage and now I have sheriffs bringing me eviction notices. I need a lawyer desperately and I have a modification paperwork saying return it by Aug. 11, 2016 and guess when our home was sold, August 2, 2016. Why then would they send us modification paperwork when our home was sold and we never would have know if it was not for the person taking picture. I have 4 children and a loss.
I am not pleased one bit with how my account is being handled. Our mortgage was originally with a bank Of America and was sold to Carrington. We fell behind on payments but submitted payments. I contacted them asking to be set up on payment arrangements to get caught up. I submitted the documents, but they said they did not receive everything that was needed. I emailed them as they highly suggested 2 x's a week until they finally said they received them. By then I was told my account wasn't active and I would have to request to have my account reinstated. What?! Are you serious!? Well Thank you Jesus, that I was blessed with a large amount of money and was able to submit payment in full in June along with my June payment.
July, 8 made my payment online. It cleared my bank, but then I noticed that it stated I owed more money. For what??? I called the representative and he couldn't explain it to me. Said that I needed to request in writing to the research department for a breakdown of my account. He also stated that I had some money in a suspended account and once my payment was received that money should be posted to my account. Didn't hear anything in August. I submitted $39 to go along with the money in the suspended account to make a full payment.
Well now September I get a notice that they intend to foreclose. For what? I submitted my payments and was not behind. According to their letter I was two payments behind. Money cleared my bank account to them so where did my money go??? I can't get a response. I sent in a letter asking where my money was, sent in proof of my payments, and completed the packet to prevent foreclosure until the account was resolved.
I am very unhappy how this company handles the accounts and the representatives cannot help me out. If there is a class action lawsuit beginning I want to be a part of it. We do not have extra money to just throw around and I don't want to continue to send them money and they are not posting it correctly. They are now charging us for attorney fees, property inspection, appraisal, and so on. Why are they charging when no court actions have begun?
BofA transferred my loan to Carrington effective 9/1/2016. Took forever to get any information. Paid the Sept mortgage using old BofA loan number. 9/17/16 received packet and payment coupon. My payment for Sept was processed 9/9/16. My Oct payment statement has about $400 in escrow funds missing. I am also required to be the one to inform my Homeowner's Insurance Agency about the loan transfer. My loan has been transferred 5 times in 18 yrs. This is the sloppiest most disorganized one to date. Carrington Customer Service is rude and ignorant. Multiple calls - each time a different person - different answer. I will have to call tomorrow and then BofA - knowing I will get nowhere. YES - a class action suit is in order.
Unable to contact the company! The lines stays busy when attempting to call. Chat services is evasive and will switch to different operators and still no one knows anything. Extremely frustrating. Still no info on how to pay mortgage without an account.
I just had 4 mortgages transferred from Bank of America to Carrington Mortgage Services. I call them to get loan numbers to make my Sept payments but they could not provide any new loan numbers and recommended I wait until I receive my new loan numbers in the mail before making any payments. I was told on the phone that all current up to date mortgages would be given a 30 day grace period for their first payments but loan overdue would not be granted any grace period. They also told me not to make a payment by check with the old Bank of America loan number. It would create too much confusion and would probably not be processed correctly. I hope the company's information is correct.
My home loan was sold by Bank of America to Carrington Mortgage Service in July 2016. I was not notified by Bank of America. I was previously two months behind and added an extra $500 to my payments to catch up. However, I called BOA to make a payment in July and was notified my mortgage had been sold. When they checked their system they saw I was notified of the change. I proceeded to contact Carrington immediately only to be greeted with the message this is an attempt to collect a debt. Going forward I explained I was calling to make a payment, they informed me they would not accept my payment. When I questioned the representative she rudely demanded I pay three months' payments totaling $4258. When I indicated I don't have that kind of money, the representative told me to borrow the money if not my home would go into foreclosure by August.
How dare my first contact with the new Mortgage company be so rude and cold. They made no attempt to set up anything and demanded the entire payment plus they continued to remind me of their intention to foreclose on my home. I have worked too hard to have a home for my children and I to allow that to happen. They called no less than twice a week initially. I feel like I was being harassed by these people and this company. They are truly stressing me out. I have contacted an Atty for consultation. If anyone decides to file a class action lawsuit please count me in. I am certainly weighing my options. This is horrible. Makes you wonder if someone at Bank of America Is part owner at Carrington Mortgage Service and this is a quick way to gain people's property. I won't be surprised if they end up on the news like Wells Fargo today for some shady practices. Good luck everyone. I am seriously interested in a lawsuit.
I got behind on my payments. I know it was my fault because of financial reasons. I have been trying to get a modification, or I really just want a repayment plan because I have most of the money saved up to send them if they would take payments. I have been trying for three months and they keep denying me saying that I did not submit all the documents they needed. This is 100% not true. I have submitted 53 documents to them through their website, so it's easy to see what I have uploaded. They keep telling me I need to submit the same three or four things and I keep uploading them and they keep saying they need them. Also, everyone you talk to tells you something else. Right now, they are saying that they need proof that my boyfriend lives here and I submitted a pay stub of his with the address on it. The lady on the phone told me any bill would do. I talked to someone else yesterday and they said it has to be a utility bill.
All the bills are in my name, so I can't provide a utility in his name. He was laid off from work and they said they needed his determination letter from unemployment and his pay stubs. I repeatedly told them that he has been laid off for a few months and has no recent pay stubs. He has one, so I did send that in, but he's only had one week of pay from work in about two months. So they wanted the determination letter, which I sent. Next time I talked to them, they wanted the determination letter, I sent it again. Yesterday it was the same thing. Last time I got denied. It was for not submitting the determination letter and pay stubs, which I had done numerous times. I have sent that letter five or six times and he wrote an explanation letter stating that he has been on unemployment because one of the people on the phone told me to have him write a letter.
Another time I got denied was because I did not sign a profit/loss statement that I sent them. I was not told I had to sign it. Maybe I just should have known? I have been trying to talk to a HUD counselor that I got in touch with through the HOPE program and have had some scheduled meetings on the phone with her, but when it comes time for those meetings she is out of the office. So that doesn't look too promising either. And she does not return my phone calls. I am talking with a lawyer today at 1:30 about all of this. I have done everything they have asked and it is still never enough. I just need to get a payment plan to repay some of the mortgage. I have all the rest of the money.
I am not one to back down when I am pushed. We need to get a lawsuit going against this company. My loan was transferred from Bank of America and I was two monthly payments behind. I now have what they call a lock code on my account. Paid $2128.00 PLUS $17.99 MoneyGram fee only to be told THEY were not apply those two payments cause you didn't pay Sep 1, 2016 and we will foreclose. I am ready to form a class action lawsuit! OH by the way they're sending the other two payments back to me. What the hell. Come on lawsuit time. Would love for other to join me.
Carrington Mortgage has seemed shady since I first began with them as a result of Bank of America selling my mortgage to them. Their online pay system seems to have a great deal of troubles. I would attempt to sign in, it would not work, so I would go through the whole "get help signing in" process, which would not recognize my security answers. I have had to call about this numerous times. They used to tell me I could pay by phone, to which I would reply that they charge a fee for that service and that I should not have to pay an extra fee because they can't seem to keep their online pay system working. One time when I complained that my security answers were not being recognized, customer service told me that that system is not working, and then proceeded to do it manually. I shouldn't have had to do it at all, and I certainly shouldn't have to do it numerous times over and over, month after month.
Numerous times while waiting on hold for customer service (or maybe it was their general "friendly" call-in greeting), they would play a message saying that they were a debt collection company and that if they received the payment one day late they could report it to the credit bureaus. So I decided to call in to asked to change the due date of my loan because they seemed to have such a draconian approach to their customers about payment, and I get paid on the same day as the due date.
I have found myself traveling or in the hospital when that date came around before, so it just wasn't working for me. She told me that I actually have 15 days after the due date to pay before they report--but which statement holds up in court should they decide to change their mind? The one on the recording or the verbal statement not written anywhere on paper? Even after mentioning the lack of security I had in a verbal statement when the recorded message stated otherwise, THEY WOULD NOT CHANGE THE DUE DATE for me.
I am not happy with Bank of America for selling my mortgage to such a horrible company. If they are not swindlers, their company is incompetent at doing mortgages and no one should have sold mortgages to them in the first place. I decided that I will no longer be doing my personal banking with Bank of America because of this. When I go in to officially close my accounts (and get the few dollars out that are just sitting there now), I will be telling them why they are losing my business. What poor judgement! What poor treatment of their customers.
If you are considering a loan from Carrington Mortgage Services, DON'T DO IT! I pay most of my bills online and their website is jacked up. It posted a payment, then rejected it without letting me know and then reported a late payment on my credit report. The mistake was totally on their end and they refuse to resend the late payment status. This isn't the first time that it has happened. If you call them with ANY question, be prepared to give your life's history and be on the phone at least 20 minutes even though they verify you from your phone number. I plan to flood social media about this company and recommend that if your experiences have been anything like mine that you do the same. They are sketchy at best and I am furious!
Our loan was sold from BoA to CMS about 2 years ago. It has been one nightmare after another. I think it's appalling BoA has done this to so many people. The first month with CMS, we received a letter saying we had an escrow deficit. Just like so many others, we did NOT have a deficit. They wanted to raise our payment nearly $100/mo. After multiple complaints and a complaint to the BBB, they decided to raise our payment half that much over 2 years instead of the full amount for 1 year. We felt there was nothing else we could do. We have been ripped off for nearly 2 years.
Over the last 2 years, we have been harassed with phone calls, sometimes more than 1 each week, trying to get us to refinance our loan with them. A "streamline" loan I believe they called it. I research this type of loan and of course it benefits nobody but CMS. They will give their sales pitch making it sound like you are getting this great deal and will save so much money. Don't believe it. Do your research! We have asked them multiple times to stop the phone calls. They just keep coming. I received another one this morning.
When you call them and are sitting on hold, a recording informs you they are a collection company and this is an attempt to collect a debt. When I complained about that, telling them I have never been late on a payment, they said they have to say that because they "do collect debts such as house payments". He said all mortgage companies do that. I told him all companies do NOT do that but it didn't do any good. These people are robots and do/say exactly as they are told in their CMS scripts.
We have also asked them to stop mailing us their refinance propaganda as we receive this on a regular basis. The only way to stop this is to write a letter and mail it. In this day and age, emailing or using their website should not be a problem. They are a company that should be shut down. I agree with the people who say we should start a class action suit. How do we go about this?
I have never in my life have had a problem with my mortgage company till this one! They do not read your files to see what is going on. I have had nothing but problems.
This company is a sham. Last April my mortgage was bought by CMS. I setup my bank's online bill pay to send them the payment every month, and for the first 13 months, all was fine. However, something on their end changed. July and August payments were rejected and being returned. I had no idea anything was wrong until I received the notice of intent to foreclose statement. On calling them, numerous times, I was told that the address I had entered into my bank's online bill pay was incorrect. I said that wasn't true, the first 13 payments went through just fine, so what changed. No answer, no explanation. Six different people in customer service, and not one question answered and all I got was it was my fault and nothing changed...REALLY, it sure seems like something changed?
In the end I know have to pay $116 in late fees - which apparently no one there has the power to remove - for the REJECTED payments made for July and August, not to mention have a damaged credit report for showing late mortgage payments - to which they also can't undo. I was told my only recourse is to write a letter to the customer review board, and they might possibly do something. Forgive me for not having a lot of faith in this process, because apparently this group - the only people who can actually do something in the company - doesn't have phones. If I wanted to setup a system to ignore requests, this is how I would do it.
After reading all the other horror stories with this place, I can't help but believe this isn't a coincidence. I bought my home with an FHA 203K loan to make repairs and such with the purchase of the home. This October the 5 year additional FHA MIP is up (and I will have well over 20% equity in the home) and I was planning to refi into a normal loan without the FHA MIP. Good luck now. Oh, but they will give me an FHA streamline refi - where you pay the additional MIP for the life of the loan.
My mortgage was sold to Carrington Mortgage, I have never been late on any of my payments. I have until the 15th of each month to pay my monthly payments. They start calling me on the 5th of each month to see why I haven't paid by the 1st. I keep telling them my payments are not due until the 15th. They are charging me a MIP payment each month and will not take it off that I haven't had to pay before. My house was hit by a very bad hail storm with a lot of damage in March. Roof was leaking, windows busted out and they wouldn't sign my insurance check until I had the work completed. How can a single mom with child in college afford $40,000 to get house fixed.
Here it is August and they are still holding one of my insurance checks. I just sent them a box full of receipts, invoices and estimates. I'm trying to get my house refinanced just to get away from this company. The worst customer service I have ever had to deal with. I have turned them in to the state. Good luck if you have them as your mortgage company.
Every year Carrington Mortgage makes every attempt to try to make me go to an escrow account which would drastically increase my monthly mortgage payment. They said I have not paid my property taxes last year and that they paid it. They keep opening an escrow account and start applying my payments to that escrow. Once again when I found out they had to send me my money back and close the account. But they won't admit to their illegal or wrongdoing. They made me go through sending proof of payments from my tax office which they so called lost for approximately a month. They ultimately had finally returned and fixed my account back after days and hours and hours of disrespectful phone calls accusing me of not paying my taxes.
This year they have made the same attempt again but first they said I did not pay this year, then I had to have the tax office send my 2015 tax receipts show I paid them. When I called them back they said no we have you for not paying 2014 property taxes. I said if I did not pay why did you cut me a check back and why would you allow me to pay my note for almost 2 years with no escrow. This has happened approximately 4 years in a row. I sent them last year's information again, then they said they sent $2,700.00 to my homeowners insurance company. I said that must be impossible because my insurance is monthly auto deducted. So I immediately called the insurance company they said and sent me a letter that Carrington sent them requesting my insurance declaration page as well as my payments statement.
This letter that Carrington sent to my insurance company stated that I have undergone a loan modification and I was changing from a non escrow account to an escrow account. The information is not true last year, I did inquire that information but when I found out again about the escrow account I wrote them a letter in writing that I did not want to except anything to do with the modification I will remaining paying my payments as usual. That happen in Nov 2015. I have been paying all my bills as usual and now in August 2016, 10 months later, they once again has set up an escrow account. They paid my insurance company $2,700.00 for the year. I'm furious! I told them to change it back, I'll pay them their $2,700.00 today over the phone. They said that they will not remove the escrow account until I pay all those back property taxes that don't exist.
I called my insurance company told them what was going on, ask them to to fix it back and put a note on my account to contact me of any changes to my account. July 2016, Last month I paid my monthly note with no problems all of this just started this August 2016. At this time they won't let me pay my monthly note unless I pay the entire amount $2,162.38 online. My statement says to pay $4333.76 at this time but my house note is $1,163.73/month. After the 16th of the month late fees apply. Up until this month I have been paying my note as usual. Then they recites their jargon about the account will continue to acquire late fees and possible foreclosure if I fail to make my payments.
I'm so fed up with this constant stress and harassment. I really feel that the homeowners need to come together a file a class action lawsuit against the mortgage company if they have to pay fees they will stop all this foolishness. I urge people to write BBB along with HUD RESPA (Real Estate Settlement Procedure Act) and Consumer Financial Protection Bureau. The more action everyone takes, the less opportunity for it to continue. Finally, I do advise that everyone get the app call recordings on their phone and let them know they are being recorded so u can have proof of the call. In the long run it can be very beneficial to you! This is helpful for all calls.
First off, I should have hung up when Jason ** was rude to me because he proceeded to do nothing for me but do a credit check. He said his direct number was the best way to get ahold of him but every time I tried to reach him I just got a busy signal. He said he would prequalify me and give my realtor a letter so that I could make an offer on a house (in this competitive market here no one will accept an offer without that letter at bare minimum). He told me he needed pay stubs and W2's etc to do that. He had already checked my credit and determined me eligible for a loan and time was running out, I needed that letter before I lost the house I wanted. He never got back to me, ever! I went to a local bank so I have someone to yell at when they dropped the ball like this company! Who monitors their calls and the way they treat people? I'm guessing no none! I got my house and have had no issues with my new bank!
I live in a Condo! I pay association dues to the secretary which covers my outside insurance. I personally do not have a separate copy. I have never had a problem with any mortgage company previously being with Chase. I have sent them information showing I have coverage, they are saying they do not think I have enough and may have to furnish me with more. That is ridiculous!!! Just a way of raising the mortgage payment!! They know that I have adequate insurance!!! I am sick of this company who seem to be always trying to find something! I have always paid my payments on time and I have excellent credit!! This company is unreal, I need a good lawyer!
Four months after signing a contract for a house I was trying to purchase I still wasn't close to a closing date. I was tired of being lied to so I reached out to a manager to take over my file. Underwriting approved me but the managers (I has several upper level managers working with me) refused to finish my downpayment assistance paperwork. I agreed to put cash down instead but was told that they needed to redo my file and appraisal. 1 month later and a team of managers still wouldn't get me to closing due to numerous delays and errors on their part. 3 days before my closing date and I'm told that they can't give me a loan and "good luck".
The level of incompetence, unethical behavior, and negligence is unbelievable. I was assured that I wouldn't lose this house or my money. Now I'm out $1,500 because these people lied to me for months on end. They're refusing to give me back my money. I have hired a lawyer and am considering taking this to a class action level if I find others who have had similar experiences. So far, I'm suing them for bad faith, breach of contract, promissory estoppel and maybe unfair trade practices.
Absolute worst customer service. Spoke with 3 levels of customer service. All apathetic, unhelpful, and unwilling to provide a solution. My bank sent a check. The money was out of my account on time (should have been 5 days early) but they didn't received it due to a mail problem. Still charged me a late fee and unwilling to waive it. This company is full of horrific customer service agents with policies that are not aligned with typical service organizations. If your mortgage is sold to them, God help you. You are screwed.
My loan was sold to Carrington 2 days prior to the completion of a short sale through Bank of America. At the beginning, Carrington was very cooperative. I had divorced and was trying to maintain my home alone. Things became very difficult so I applied for a modification. After the modification, my note went down approximately $1. I had to send my ex spouse's information (unsure why). I guess I was fortunate because we were still on speaking terms. After going through that stress, I had to send a copy of the divorce decree and quit claim deed. Yes, this cost me money. This took place in 2013.
We are now in 2016 and I'm told, due to a change in FHA rules, another copy of a quit claim deed is needed. My home was then assigned a foreclosure date. My realtor and I applied for short sale process. We sent in several offers. Finally were told the sale was canceled (07/05/16). We called the local Sheriffs office and received verification. On Friday July 8, 2016. We were told the home was bought by Carrington. None at Carrington wants to talk about it. I'm guessing my next move is "me being tossed out on the streets." This just is not right. How can they do this and NOT CARE?
Carrington Mortgage Services Company Profile
- Company Name:
- Carrington Mortgage Services