Carrington Mortgage Services Reviews

When I try to get it fixed I get nothing more than run around and the reps won't connect me with the proper office personnel. My selling agent isn't allowed to deal with my account. After you're sold a mortgage by the agent they aren't connected with the company anymore. I was sent a book showing me how awesome of a company they were and it was all lies. I have contacted multiple mortgage companies after only 3 months of having this mortgage and they have all stated that Carrington is a horrible company. Please do not fall for the trap and if you have please refinance and get away from this company.

They have the house priced so high with all the crap they have added that I can't sell it. Then they hit me with another start to a foreclosure. But had to go thru a foreclosure avoidance program. Had a meeting set up. Then out of the blue I get this letter that my loan has been transferred to Carrington Mortgage Services LLC. They never even tried to work with me on anything. Carrington took over my loan on the 11th of July & I have not heard one word. So now I don't know what is going to happen. From what I've read about this company doesn't sound too promising. I think I'm going to contact a attorney & see what can be done with this mess. I've been in this home for 18yrs. I'm retired. This isn't what I wanted to be doing after retirement. It's a shame how these banks can do as they please & nobody will even try & stop them.

Yesterday, 7/13, I received numerous letters from Carrington with their "intent of foreclosure". I called and was told both of my payments were refused because they are NOT considered certified and sent back to me. The June one was supposedly sent directly to my regular mail on July 3. I asked what was sent to me because I never sent a check. It was sent thru my bank. It was the copy of the draft, and I was supposed to take that back to my bank and resend the $ certified funds. Well that's all fine and good but I have yet to receive any checks from them which means I am stuck at their mercy with fingers crossed they don't foreclose. What company has your money in their hands and sends it back and sends you an "intent to foreclose" for now being 35 days late??? Bad bad bad business.

I never had this kind of treatment with BOA and hate to say it, I didn't like them much either but I would rather have my mortgage with them than Carrington who are vultures and harass me like non stop even when payment was made and has never been made past the deadline. If they took away the fees they charge for making a payment and laid off the phone calls, then I would be 100% satisfied with them.

This morning about 8 a.m., I received a phone call from Carrington who identified herself as a bill collector. What??? First of all, do not call me at 8 a.m. Second, do not ask me who I am. You called me idiot. My mortgage payment has been made, as it has been every freaking month for 5 years. And now, you are a bill collector? I cannot even tell you how incredibly angry I am with the antics of this company. If there were a way to have another company buy or take over this loan, in a heartbeat I would. I guess I am stuck with them. My only option is to re-fi and my interest rate is too good to entertain that idea. If you have any choice do not use them.

Now that I just completed a roof repair and I need them to release the check sent to them on my behalf by my insurance company, they are refusing to speak with me or even send out a contractor to inspect the roof repairs, so the contractor can be paid. In my 20 years of owning a home and refinanced with 2 different companies, I have never heard of a mortgage company refusing to speak with a customer to discuss her problems.

I am now considering refinancing just to leave this awful company. If any attorney is reading this, please contact me, because I think it is against the law to refuse to speak with your customer, yet you collect my mortgage payment every month. Do not do business with this company, I also had issues with them earlier about crediting my extra monthly payments to my principal. So frustrated!

In June I received a call stating I was two months behind. I asked how and they stated they took the payment and disbursed as they felt across the loan and the principal. What's interesting is they didn't put the money on my escrow, instead they stated I didn't have an escrow until after they received the payment. Which is not true since I received a new escrow amount right before the loan was sold. I made a payment and a half. What's interesting is my account states. I owe 3704 after the payment and, which is the amount they stayed before I made the payment. Also, every time I talk to a representative they give me a different amount.

I was advised it went towards fees since my account was not delinquent. I have spoken to team leaders and supervisors who has stated it's nothing they can do. They would say we can try to get the payments reversed but I'm still waiting on that to happen. If Carrington would have applied my payment towards my escrow account as requested I would not be in this position. Now my monthly payments are past due and my monthly payments have increased over 250.00 for next 12 months. I'm still in the process of fighting with Carrington trying to get this escrow payment applied. They keep analyzing my account but have not applied the 1000.00 payment towards my escrow account. When I speak with most of the representatives they are rude and don't care about your mortgage. I don't know what to do at the point but to sell my home. I never thought I would have to sell my home because my payment was never applied correctly.

I also think we need a action lawsuit because we better not lose our house. Overall crap of Bank of America transferring or selling our loan to Carrington Mortage. We built our home and have been here over 13 years and now that Carrington Mortage is in the picture it's just HORRIBLE! We can't get anywhere with this company! Does anyone know who else I can call to get anything done?

Carrington also does not send out confirmations for when an automatic payment is set up. I set up the automatic payment again to start for July 1 and this time I made sure to take screenshots of EVERYTHING. I am so upset right now. We were never late with our mortgage payment with Bank of America! I will for sure check my account and change my settings to mail communication to ensure we receive statements.

I went through the Tennessee Save My Home and got a reprieve for 3 years, during those 3 years we barely kept food on the table between waiting for my SSDI to start, my new husband who'd had 3 strokes back to back and the only income coming in for a time was my daughter's disability. My husband finally got his started 9 months later and mine began in Sept 2012. When the TSMH reprieve was over I had been told by the rep to do a modification to lower the payments. I began that process May 2016 with Chase. I was on the phone and in pretty much constant communication with Chase all of this time. Chase continued to tell me that my loan mod was in with underwriters and finally was told that I had been approved to start the trial period of the Mod in October or November 2016. Pay the amount of 620.81 by the 3rd of each month for 3 months and then it will be made permanent. So that is what I did.

I had spoken with Chase within a matter of days when I got a letter from Carrington MS stating that they had purchased our loan from Chase. So of course in a panic I am on the phone with BOTH of them immediately. Chase told me that CMS was taking over our loan and it was their understanding that those of us who were in the midst of our loan mods that CMS would honor the agreements made between Chase and myself. CMS stated the same thing to me. So I just decided at that point to make ALL of my trial payments by MoneyGram by taking cash from my checking account and even though it was costing an additional between 12.00 and 20.00 a month it gave me peace of mind that that money was almost going from my hand into theirs.

Each month I would call into CMS and check in because I was getting notices that our loan was behind on payments (of now over 4k) and each time I would call the CSR would assure me that those were being sent out automatically because the loan mod dept and that dept didn't "communicate well". So each month I was assured that my payments were being made on time and that everything was "fine". So week before last I get a call from CMS while I was in the shower and called them asap when I got out. When I spoke to the CSR he stated to me that the Loan Mod had been handled incorrectly and that "basically Chase's paperwork for the Mod ended with a ..." So of course I panic and ask what did that mean for us? He said that I needed to either send in the 4k OR begin the loan mod process with them from scratch. So he stated he would send out the packet for me to start with.

A week later and still no paperwork, I go out to check the mail and there is a yellow letter stuck in my door that a Rep from CMS had came by to verify that the house was still being lived in by the owner and that they were sorry they had missed me. So I call them again. I told them what all had happened and that I still had not gotten the Mod packet. I was then informed that the loan mod was in fact a forbearance and not what I had been told by numerous of their CSR AND Chase's as well. I am not a cryer. But this has completely gutted me.

I this past Friday gotten one of the packets in the mail and was filling out Saturday and had some questions and called in. Turns out I need to fill out the packet for ALL 3 of us, separate packets. I asked if there was a link online that I could go to and fill them out and once I got off the phone with them began filling out again. When I filled out the paperwork for Chase to do the same thing you could fill them out and save them and upload to their website. With CMS you have to print out and scan back in and no one informed me of that nor was it anywhere on the website. So I contacted them through the chat option and at that time the CSR told me she would send out 2 more packets. Today I go out and check the mail and I had gotten an annual escrow report that was beyond confusing so I called again.

Now mind you when I originally bought the house it was a fixed APR because I wanted to be sure the payment wouldn't go up constantly. The payment at that point was 695.00 because I had my mortgage include taxes and insurance on my home. The actual house payment is supposedly 530 or 560. We had an ice storm in 2016 and part of a tree broke off and crushed the back patio and one of the dog kennels. So we were told by Chase that the escrow was short and the payment would have to go up from 725 to 865. THIS time with CMS it was going to be 970 because of a 700.00 insufficiency in our escrow which the CSR couldn't tell me exactly why the escrow payment went up only that Chase had "calculated wrong". I am at a loss as to what I should do now.

We rescued special needs small dogs when we were able to and now we still have quite a few of those special needs dogs and I just don't know how we are gonna even find a rental that will be 1. Affordable 2. Allow dogs. I am broken hearted to be ultimately losing my home as it seems by all accounts I have read here. When I spoke with a supervisor a few minutes ago I again asked why the escrow was causing the payment to go up again and also why I was having to re- fill out all of this paperwork again and why CMS couldn't take the contract Chase had me sign for a loan mod and just add an addendum for me to sign off on and she stated that what I had signed was for a " forbearance and why was I this behind anyway?"

I am 50 years old and have worked all of my life, sometimes more than 1 job since I was 15 and lied about my age so I could work. All I have worked for it appears I am going to lose. I am definitely interested in a Class Action lawsuit but don't even know where to begin. I live in a rural town and this place is very much based and ran on the "good ole boy" system and none of these lawyers are gonna be interested in something like this. If anyone can help me with who I should be contacting PLEASE let me know. I DO know that on these communications CMS has sent there is a number listed for a HUD counselor that I am going to try and reach out to as well to see if they can help me. If I find out anything that can help us I will try to find a way to let you all know as well.

First I find out they reported me to the credit bureau as over 30 days late, mind you they had my payment less the 62$. Just didn't apply it. So now there is more money in the escrow account than the payoff on the house and guess what, they sent me a foreclosure notice. How damn stupid is that? Not just one but two to me and two to my ex husband, registered. So be aware - they are your worst nightmare. If you have a CitiMortgage make sure they don't sell it to these dumber than a box of rocks company. I will be calling them in the morning and telling them to pay off the balance and send me what is left of the escrow. If they don't send it right away I will turn them over for collection. So beware. DO NOT USE.

If they want to monitor the repairs they should take over the repairs as well and find and deal with contractors who are willing to play by their "rules", and wait -and wait - and wait to get paid. What it comes down to, Carrington doesn't trust you! My mortgage too was sold by BoA. Don't know who is a bigger joke. Last year our area was hit by one of the costliest disasters in our State history. I had contractors walking out on me because they weren't willing to wait or deal with Carrington. That tells you a lot.

After fighting with Carrington for them to release the insurance check back to me so I can start the house repairs, I had to reschedule already scheduled repairs. We had baseball size hail coming down for about half an hour. Shingles gone, in spots down to plain plywood, broken windows, yard trashed, fence needed to be replaced. This storm affected over 33,000 homes. So good luck finding someone who was willing to wait for a payment. Money talks. They were going where they were getting paid on time. This storm happened in July. Because Carrington wasn't willing to release the insurance check to me I had to cancel already scheduled roof replacement for September. We live in Colorado, it starts snowing in October!

I fought with them over the money, and after threatening them with a complaint to the Attorney General and FEMA, they finally released the check to me. At this point, the earliest I could schedule roof and windows replacements was in December! All for the sake of "monitoring the repairs". I believe us consumers need to request to have them investigated. Nothing more frustrating than you wanting to pick up the broken pieces and start rebuilding and you can't. It's May, and I'm still dealing with them! Whenever I refinance or buy a new home, trust me, Carrington is NOT getting my business.

Calling the customer service is a nightmare. They are rude and drains you out. In the end nothing gets solved and leaving me feeling helpless. This is robbery. Reading complaints of so many people in various situation all taken by this company, it's clear that they are a fraud. We need to file Class action law for justice. We are slaughtered as individual borrower. The only way to get our money back is to file lawsuits together.

We are behind on our mortgage with them because if a loss of job and being owed thousands by the owner of the company I used to work for but carrington wants us to pay for these items out of pocket! It's almost like they want to force us to go into foreclosure! I have talked to them over 50 different times & every time I get something different from them! They've told us to do one thing to receive the funds then when we do that they change the rules & tell us we have to do something different! It's very very very difficult to talk to someone in charge and when you do they are rude to the utmost extreme! If they are holding a few thousand from us, how many other people are they doing this to & where are they putting the funds? I can never get an answer about this issue! All we want to do now is finish the repairs but we can't do it! This is a horrible company that I believe is committing fraud!

Came the present time I finally thought I was going to receive my insurance check to finally pay for my kitchen cabinets to Home Depot and to date they have not release funds. They want me to get the paperwork done all over again. Since January I have been going back and forth with them. Cody the "Supervisor" does not return calls and when you try to call her she is allegedly busy. All the customer reps have different stories each time I call and they all have a different paper they claim they need. They last told me yesterday 42517 that I would need to go back to Home Depot for them to fill out all of the paperwork so that they could release my insurance claim funds to me and them. I have gotten no reprieve and just a bad headache or flair up of Asthma because they aren't cooperating. They waste your time and have the worse customer service reps ever!!! I WOULD NOT RECOMMEND TO ANYONE THESE PEOPLE. THEY ARE THE WORST.

It was at that time that I was made aware that my account had been sold to Carrington Mortgage. I asked BOA if they could provide me with contact information for Carrington Mortgage and also requested an account number that could be associated with the transfer. I had semi-monthly auto payments set up with BOA and asked them what had become of the funds pending that would make up the 1st half of my next scheduled payment. I needed those funds so that I could make payment in full with the new lender when the second half of my payment became due a few days later. They told me that the funds were transferred to Carrington with the loan.

Where I had the payments set up with BOA to pull out ahead of schedule so there would never be an accidental past due or late hit against my account, somehow, the second half of my payment that should have gone to paying the scheduled payment for the 1st of the next month, was now the deadline for my payment of the current month going past due??? This was mind boggling to me.

When I got in touch with Carrington to arrange making my payment, they said that they were only showing a partial payment and informed me that it could not be applied to the loan unless they charged me a service fee for the transaction. I explained that I would make the 2nd portion of the payment, so they would not have to take a partial. Still they said they couldn't accept even a portion of a payment through their pay options without charging a premium fee.

I then asked her to check to see if the fee could be waived, given the circumstances behind the way the loan was transferred. I didn't have as much of a problem in paying the service fee, as I did in the way my loan had been handled. I felt that I should not be penalized for the lack of organization in the way my account had been acquired; especially since I had not even been notified at that point. She said that she would have the supervisor call me with an answer and insisted that I still had 60 days before there was any threat of the account being hit with past due or late fees.

I spoke with another CSR the next day, asking more questions, and trying to get my payment in timely. She explained to me that I should not be worried about submitting the payment online, and suggested I just mail in the 2nd portion. This rep reiterated that I had 60 days before anything would count as past due or late. I still had 2 days left to make my payment, and I had not even let my account go past due while trying to figure out a way to avoid additional fees that I should not have been subjected to, when a letter FINALLY arrived from Carrington informing me that my loan had been sold by BOA and that they would be servicing the loan... AMBIGUOUS is an understatement!!!

The letter showed December in the date at the heading of the letter, and then in the body of the letter; they stated that BOA had sold my loan to them in October 2016. ALSO, I received a letter of default on the mortgage demanding payment while threatening collection activity and foreclosure. I was LIVID. I knew for a fact that I had continued to make payments to BOA through December and I was diligently working to make sure my payment did not even go past due for the current month (not even accounting for the 60 days grace period), let alone into default.

I was beginning to get REALLY BAD VIBES about the whole situation, so I called Carrington again, and told them that I would make a full payment through the ACH "AND" pay their fee just to get things under control. I also asked them to hold the partial payment that was sitting online, so that things would get squared away when I set up auto-payments. The lady assured me that the letter should never have been sent because of the 60 day grace. When I asked her about the back-date of October, she said not to worry about it. Damn straight I am going to worry about this!!! This is my home and I have never missed a single payment and have never even been late; a letter of default??? I wanted to go off on her, but refrained. I've invested my entire life into this home and have 6 years left to pay on it in 5 years I reach retirement age and would like to be able to take advantage of it when my time comes.

The rep mailed out a letter with their routing information so that I could take it to BOA and set up auto-payments through them. I faxed Carrington the letter provided by BOA that listed the account information needed and the authorization for Carrington to auto-debit my account. I double checked all account and routing numbers for accuracy before I faxed the authorization form back, because Carrington very vividly states that they are not responsible for incorrect routing or banking account numbers and will penalize if numbers are not correct and they have to bounce the payment back. I faxed the document so that there would be a digital footprint to show that all numbers were entered correctly. They had told me that it would take a few weeks, so advised me to continue making manual payments until auto pay was adequately set up.

When I went to make my next payment, the partial payment funds were GONE. I called them again and asked what had happened to the partial payment. They said they didn't know what it was for, so they applied the extra funds towards principle. Although I had talked to MULTIPLE people ranging from reps to supervisors, where I had documented names, times, and dates of the conversations, apparently no notes were made on the account to show the funds were designated for the next payment.

I demanded to speak with a supervisor, who told me the funds would be moved back into pending so that I could use them when making my next full payment due in another few days. We've already been going back and forth by this time for a couple of months with NOTHING but headaches and struggles to keep them from botching up my credit with their incompetence or deliberate mishandling of my account. The supervisor said they would remedy the error, and not to worry about making the payment up.

2 to 3 days passed and the adjustment still had not been made. I'm on the phone again. This time, the supervisor was not available. The payment would be due again the next day. Not to take their word on ANYTHING, because I do not feel they are to be trusted; I made another payment in full through the ACH. The people that I did talk to, when I asked them if they had got my fax for auto-pay, they said yes and gave me the day where it was supposed to begin drafting.

I watched the Carrington website like a hawk, and waited to see how they handled the auto-pay once it went into effect. The payment first posted on Carrington, but when I checked my account with BOA, nothing showed as pending or posted. I called BOA and asked them if they had anything hanging out there for Carrington and they said no. I called Carrington a couple days later when it began getting closer to the due date, and they told me that they payment did not go through; saying I had provided them the wrong account numbers. I told them that I was sitting there looking at the FAXED document that I could provide digital copies of the transmission of it, and told them I was beginning to grow weary with all of the mishandling going on with my account. Again, they told me that they would get it fixed, not to worry.

By this time, I'm telling them that if I have to continue chasing after this just to make a payment, that the next phone call will be by an attorney. Still, yet another time I had to used the Pay Online option to make a full payment. They are announcing currently on their website that their Payment Option fees will be going up May 1st and strongly encourage all members to take advantage of their automatic payment feature.

The gentleman I spoke with last had said there was a digit missing off of the bank routing number, and I told him that it was definitely an error on input, and encouraged him to look at the actual fax. Told him that if he couldn't find it; I would happily send him a copy of it. Anyway, he seemed to be concerned and appeared to exhaust a lot of effort in the two of us getting the Auto-Pay set up correctly. I took screenshots of EVERYTHING, including the bank routing and account numbers, my agreement to terms, and the dates and amounts the account was to be drafted. I also took a screenshot of the confirmation and date where is said the auto-pay had been successfully set up and the next scheduled dates for draft would be Apr 1, 2017 and Apr 15, 2017.

The auto draft for Apr 1 didn't pull and when I went to the CMS website this morning, there was NOTHING showing as having any auto-payments set up. I made another ACH payment in full today and paid their fee again. I'm waiting to see if they go to pull the auto-draft out on the 15th now; doubt that will happen with no data under scheduled payments. I am ALL FOR A CLASS ACTION Lawsuit, and I think that many of you out here have been experiencing a lot of the same frustrations and grief.

After countless paperwork signed off by Home Depot to release the cabinet order they sent me the check in the wrong person's name. I am stuck and can't get no reprieve from Carrington. They are trying to see if they will release a new check to Home Depot. Key word "see" my kitchen cabinets are warped being repair and this mortgage company won't release funds that are mine from the insurance company. The insurance company and this mortgage company should be called dumb and dumber. Every time I call them I flare up. My Fibromyalgia and scoliosis kicks in. I have already slipped and fell in my kitchen due to the extensive water damage I had and they going to "see" if they can release my Freaking money.

This company is a pure joke. If I knew then what I know now I would have not signed off with them. They are the worse. Universal Casualty is also named the worse 10 companies in the state of FL. Carrington Mortgage is right there neck and neck with them. Customer Service reps have no idea what they doing and haven't been trained properly. They leave you on hold then come back to give you more bad answers that make no sense. This company has no clue how to handle a insurance claim and are even more worse when it comes to giving the correct answers. They are rated 0 stars. If I could swap out mortgages I would.

After paying that amount and putting 432.00 in an escrow account (because I knew that was going to be their next move) they still claim a escrow shortage and raised my monthly payments from 809.79 (they were 670.70 with Chase) to 853.00. STAY AWAY FROM THIS COMPANY!! They will lie and cheat you until you are forced into foreclosure. AND IF you modify your loan with your mortgage company, they will sell you to another company like Carrington who specializes in stealing people’s homes. BEWARE of Carrington, they are NOT a Mortgage company, they are a debt collector.

I was receiving long-term disability which is only 60% of my pay. I fell behind on the mortgage because of this. I spoke with customer service and they did not help me with any solutions. They have since put me into foreclosure on 3/28/17. One week before they sent me modification paperwork, which I filled out and sent it express mail. I heard from them today and they are still requesting more information from me. This has to stop. We all need to come together and figure out how to handle this unprofessional company.

I then I even got a letter from BANK OF AMERICA to fix the problem. I even when I am in bankruptcy since December the Carrington company has not filed the proper paperwork to the trustee to settle the debt. It is incredible. My lawyer said that they have a May deadline... OMG May... AND THEN I HAVE AN INSURANCE CLAIM since June 2016, they took the check for repairs and do not want to give me the insurance money until this day. I am sending a NOTARIZE letter swearing that I will make the repairs and then they will send the money they took from my insurance company. Crazy.

1. Bank of America blindsided sold my mortgage to this company who I had never heard of. Okay went to look them up and lo and behold the trail of fraud lies and scamming began under law. Any consumer who is being sold to another mortgage/loan servicing company has a window time of 60 days according to RESPA at which your account is protected under law meaning the new mortgage servicer is supposed to in a timely manner send a welcoming letter along with any information in regards to your account being transferred over during this so-called grace period. Also under law they are not allowed to place any fees or changes to your account during this time.

Well lo and behold I received my first statement from Fraudulent Mortgage Services and lo and behold a $15 fees for debris removal. Wait one sec, so I call and ask what is this all about and of course I was given a runaround about them having to come to my private property and remove some invincible debris. Funny thing is I have cameras placed at every corner of my property for incidents and idiots such as them so I ask for proof and of course could not be provided a date nor time at which this took place which simply could have been proven by rewinding cameras right.

Okay so I place a call to Bank of America because I am very displeased at the initial service I am receiving from this lovely fraud of a company they have seem to become best friends with LOL. Luckily at the time I was in the first month grace period and was able to get a lovely customer rep from Bank of America to place a three way call to Fraudulent Mortgage Services in regards to this mysterious fee which by law is illegal for this first 60 days of course. Fraudulent Mortgage Services call services rep tries to argue with the lovely Bank of America rep who they had just serviced a loan for about this debris removal fee which was stated to them I kid you not right in front of my face as being illegal and needing to be taken off my account immediately.

Of course like everyone else here I was promised that the fee would not be charged by this sorry ** of a customer service rep who had a horrible attitude like as if I was in the wrong for inquiry. Anyhow thank you Bank of America rep I am sorry I cannot remember your name at this time you opened my eyes to a new world of scamming done by the people who we are supposed to trust to now service our mortgage loan . Nevertheless when my first month statement arrives lo and behold the fee is still there. However it is not listed as an debris removal so I place a call to Fraudulent Mortgage Service and of course am greeted by a horrible customer service rep who tells me I must pay the fee for this month and they will credit it to my account which I did.

Funny to this day I have yet to see the credit for this scam that was placed on my account but hey what is $15 dollars to a person who lives off a fixed income right on top of that in the first month I was sent a letter by them in which they stated that my mortgage was consider late which was illegal under the terms of the 60 days grace period according to law. I knew this was bull because a couple days prior to the catfight between the Fraudulent Mortgage Service and Bank of America rep I had paid the first monthly mortgage over the phone with what I believe if I am not mistaken a $15 over the phone fee. Boy they sure love to place fees on us the consumers LOL. At the time I just took it as a big mistake and would pay very close attention going forward.

2. About six months into being with Fraudulent Mortgage Service I received a Escrow Analysis Statement form in which my mortgage was to be raised by $100 a month for what reason I was not understanding. So of course being a concerned customer I placed a call to Fraudulent Mortgage Services and spoke with about 4 different customer services reps who could not give one reasonable reason except to say new law required a two month cushion period. Of course I felt something was wrong so I went and backtracked on all paperwork given to me by Bank of America right before the transfer of said loan and the BS Escrow Analysis form given to me by this scam of a company. And to my surprise Fraudulent Mortgage Service only used the escrow paid into my account for the term of the six month. I had been transferred with them at the time and not also for the beginning six months I was with Bank of America.

Of course I was boiling hot feeling like some bully had tried to steal money from my pocket in high school so I did some research and came across a number for a lovely lady by the name of Jessica ** who was supposed to be a Customer Advocate for Fraudulent Mortgage Service. We spoke on the phone and I let her know all the wrongdoing that had been going on and she promised me she would prioritize my account and look into it and get back to me. Fast forward about a week later I received a call from Miss Gray with a beautiful voice in which she tried to break down the reason for the increase and at the time it seemed to make sense until I got the year ending statement tax statement from Bank of America and Fraudulent Mortgage Service and noticed the issues at hand which is they shorted my escrow account by not adding the first six month of escrow from Bank of America which by law is illegal.

Luckily in the beginning of the year when I was initially with Bank of America I had applied for a Homestead Tax Exemption which dramatically decreased my taxes but they still did not care to believe that this was in place and went forward in increasing my mortgage. Well of course Fraudulent Mortgage Service doesn't do their research so I got in contact with my local county tax appraiser and requested them to send the tax exemption paperwork again to Fraudulent Mortgage Service so that my account could be corrected. I had to wait a year for it to be corrected along with numerous faxes which were never received supposedly and calls being placed to Fraudulent Mortgage Service time after time.

Boy I felt like some type of paralegal LOL. I am thinking damn maybe Fraudulent Mortgage Service could use my helping hand in one of their corrupt offices correcting these idiot mistakes that they make but I wouldn't sell my dog to this company if I had a chance to. By the blessing of some higher power the account was adjusted and now Fraudulent Mortgage Service sees that they must pay back money which is overage in the escrow account keep you informed on what those real numbers were supposed to be paid back to me.

3. Going into the New Year I went to pay my mortgage online and was blocked from accessing my account and was told by the horrible online website I needed to place a call to Fraudulent Mortgage Service. God why me =( So of course I did and spoke with a Hispanic lady who had very broken English in which she stated that I told Fraudulent Mortgage Service I wanted to refinance and that was the reason why I could not access my mortgage to pay online. Yeah right seems like they want me to sell my soul to the devil now. I am thinking where is this all coming from.

I look back in to the initial purchase of this house at the end of 2008 when the recession was tearing everyone apart and I got a 5.5% interest rate with lo and behold Taylor, Bean and Whitaker who is another story for another day which also went of business in the following two months of me purchasing my home and the loan was bought by Bank of America who did everything they could possibly do at the time of owning my mortgage to drain my escrow account by placing hazard insurance and overcharging 3 to 4 times in one year. Luckily I was able to fight the storm of the horrible recession and keep my one and last true pride my home. I would like to get this out the way this company is owned by BRUCE ROSE. Please anyone who reads this please do your research into this clown or better yet evil guy. He should be sitting next to Lee Farkus in a 6 by 9 getting a nice foot or something else up his ** LOL.

Don't worry buddy your time will be approaching soon enough. Karma is a ** and you sir are the child who must get everything that comes with it. Nevertheless I started receiving random calls on a monthly basis for about three months from this random Fraudulent Mortgage Service loan appraiser officer disguised as a different name but the same idiot trying to very aggressively make me refinance my mortgage and of course I would rather lay on a railroad track and let the heaviest train kill me before this ever happens. During these calls I requested that he stop calling me and that Fraudulent Mortgage Service stop sending me mail every month in regards to refinance. It is junk mail which is great material for my dog to chew. I even sent some warnings his way about harassing me continuously. It got to the point that I changed my phone number. Do you guys see the hell I am being put through?

Thought I dodge the bullet LOL. Boy I must have been wrong. Let’s fast forward to the past couple months. Now I go to look for my monthly statement in the mail monthly like normal along with the BS refinance letter always sent from Fraudulent Mortgage Service and no physical monthly statement but of course refinance letter WTH. You guys really are messing with the wrong person so I place calls to Fraudulent Mortgage Service to find out where is my physical paperwork because we all know that God forbid I file an audit or want to report the many wrongdoing of this company I need physical paperwork. Of course the fraud customer service department promised me on several calls that they would immediately send out the paperwork which never came. I even asked that it be noted into my account which the idiot of a reps promised it was LOL.

It got to the point I had to find other number related to Fraudulent Mortgage Service to track down where the hell this very important paperwork was and why I had not been receiving it. Of course Fraudulent Mortgage Service has offices in other cities and states who accept calls for them whenever they choose to randomly close office for however long they choose fit. However they cannot access any account according to the top supervisor in the office so why exactly do they have these extra customer services offices open for is anyone to guess. Luckily I got in contact with someone in Fraudulent Mortgage Service who had nothing to do with customer service and thank you again you might be the only person with enough integrity to stand behind your job and I started to receive my monthly statements. Funny actually I got the same two statements the following Monday in two separate envelopes. Thanks again my friend.

Now let’s fast forward to last night. I check my email and received a lovely email about new guess what? FEES. Fraudulent Mortgage Service will be placing on us the consumers starting as of May 1st for services they already steal and cheat from us their consumers. So here is a heads up to all you consumer with Fraudulent Mortgage Service accounts starting May 1st if you pay online thru there BS Western Union Speedpay it is a $5 fee previously $0. Over the phone there is a five dollars surcharge on top of what they charge now and so forth on. As a matter of fact they were quick to update the BS website with this info but cannot for the love of any customer who has an account with them do anything else right. It seems when it comes to fixing the issues and fees they place on accounts.

I guess we are facing some rough times ahead people. I highly doubt that any investigation will be done into why this is taking place but hey as long as it is out there in the world of the internet we have fighting chance. So going forward I say to anyone dealing with Fraudulent Mortgage Service if you notice there is an issue with your account send them a Certified Mail Qualified Written Request to get to the bottom of thing. There is no use in dealing with customer service. I promise you by law they have to answer in the appropriated amount of time by according to the CFPB. This might be the most important thing you do as homeowner going forward. Place those same fees and BS charges brought on you randomly can now be placed right back in the devils hands LOL.

I hate for it to have to come to this but I am tired of the bully messing with people smaller than them. I was taught that if a bully messes with you stand up for yourself. Word of advice for Fraudulent Mortgage Service keep messing with me and I promise I will set up a Twitter, Facebook, YouTube and any other social media site to expose the BS going on. I am fed up. My next step is to my local news station and local freelance writer along with the SEC and Attorney General. Hey while I am at it why not? Maybe even Elizabeth Warren would love to take a look into this. She seems to recognize what is going on over there. Mr. Bruce Rose you have been warned. I stand by my word and I highly recommend anyone who is a consumer of Fraudulent Mortgage Service do the same in numbers they lose. With the help of social media this can be exposed. Ponzi is wrong. Have a great day.

When I applied for my first modification I had 0 credit card debt and now I owe about 10,000.00 just trying to keep my mortgages current. I agree with everyone else that they are a bunch of crooks taking advantage of my bad situation and just making it worse. As a business owner myself, I think they should be corrected and fined for taking advantage of people.

Since then Carrington acts like it hasn't received my payments from Wells Fargo online bill pay. Instead they returned my check to me A WELLS FARGO BILL PAY CHECK and told me that I would have to call them -- they require Certified Funds: Western Union Quick Collect, Money Order, Cashier's Check. They had the check in their possession for weeks. They refuse to apply any payments to my account and when you call the message is "they do not accept payments on this account." When you get online you can't pay nor can you access your account. Customer Service is a complete joke -- it is obvious to me that they are trying to force me to either pay exorbitant amounts in late fees and payment processing fees and to push me into foreclosure by saying I haven't paid. Oh but how I have tried to pay these crooks.

In the meantime I am sitting here with the mortgage payments in my hand but they won't accept payments other than via ACH or Certified Funds as if I am the crook -- but I must call them first. I never get through to anyone when I call. As you keep reading you will see what they have done to other people's account freely taking money at their will. A Class Action is definitely warranted here. COUNT ME IN! And like everyone else herein, NO STARS actually negative stars. I pray this place gets closed down!

I have called Carrington the title company and my attorney has called them trying to get them to release the payoff for the house. Losing my dad was hard enough, without having to battle his mortgage company for something so simple. I am still grieving the loss of my dad and the trouble we are having with them is now going to generate a late fee because I didn't make the pmt thinking they would be paid off already. This now is adding to my stress. I will never say anything good about this company and will advise everyone to avoid them.

I finally got their packet and paid my mortgage payment online the day I got the account number. Then I got a bill for two house payments saying I had not paid for February. I called Customer Service and was told she would send an email to that department to let them know my February bill had been paid. I am supposed to think their computer system is not connected so one department does not know what payments have been received by another department. Then today I got one of those debt collector phone calls from Carrington. My March payment was not overdue.

I attempted to get into my online account with Carrington and was totally unable to access any information. According to the system, my username, password, and secret question were all wrong. So I called Customer Service again. Now the problem is that they are having technical difficulties with the online system. According to the reviews, this is a very common response to problems in accessing your account online. I was told a new password would be sent to me via email. I used the new password only to be told it was incorrect. So now I have set up a new password and can finally access my account. The only problem is the account does not show my March payment has been made.

From the moment Carrington took over my loan, it seems like just one ridiculous problem after another. From the numerous bad reviews about this company, it seems someone would have looked into their practices. I hope this is not going to be a continuing problem for me. I would advise caution for anyone considering this company.

The caller said he was going to add the notes per our conversation for other representatives to view. I called in March 2017 to make my final payment. I got the runaround for about 15 minutes being transferred to various people. I finally got someone, who was very rude. She informed me, my February payment was missing and I no longer had a modification. I explained my story and apparently that held no value. So I spoke to the supervisor on March 3, 2017, she informed me that a representative call me numerous times to clear the mistake.

I only received 2 message from someone named Andrea and when I called back, I was told the same story. No money is due at this time. So I asked the question, "If you have been contacting me about my loan via phone numerous times and I didn't respond, how come no one sent me a letter to my house informing me of the situation/error". Her response was "Carrington Mortgage doesn't have a template that send letters to customers about their account/mortgage".

It made absolutely no sense to me. I'm very disgusted about this situation, and now I'm 4 months behind on my mortgage. She had the nerve to ask me, how do I want to take care of the payments. My response to her was, "if I had the money to pay for the payments that was missed, then why am I asking for a modification." This company doesn't deserve 1 star. This was the second issue, I've had with this company, they truly deserve a class action suit against them. Carrington Mortgage is the worst company to do business with.

Well I have had enough. I have contacted a Lawyer (who I must admit don't much care for Lawyers, I was raised in small town hand shake and your word kind of guy) but I have had enough of their crap. I ask if you have had the same issues please contact them as well... (and again no not a lawyer. I own a small pizzeria in Rochester, NY. I work more than I should to make a living) and tired of being pushed around by these people.

I have been so angry all week and I feel I have no recourse. Does anyone know how to get away from them? Now I have to manually go to their website every month and have the money directly deducted from my account which is a real inconvenience. Believe me, I don't want them automatically drawing money off my account. They are rude and difficult to work with. Any suggestions?

Cannot someone explain to me the sense of increasing my payment unexpectedly to protect me from a possible increase. So I send extra payment to cover this increase so my payment remains the same... wait wait... my payment goes up anyways. Another call to Carrington. Another "I don't know why you're upset." Try to log into payment site... wait, wait. None of my passwords, security questions, social security number work. Another call to Carrington. Another "Why are you upset?" Really... If this company approaches you. I suggest you turn and run. Worst mortgage services EVER.

Another huge problem I have with the website is the password policy. They force you to change passwords. This is something I log into once a month... and you can't use one of your previous TWENTY FOUR passwords. So now it is nothing close to any of my personal default pws, and I end up having to change it almost monthly just so I can log in.

Finally, the website seems to be experiencing an unscheduled outage (at least unannounced, as I don't have an email warning me) this morning. So I can't even find out how much principal was paid in the last payment. But hey, it's Sunday morning, and I'm already on the internet... I guess I'll write a review. Suck it, Carrington.

I recently switched from a job that pays weekly to 1 that pays monthly so I was attempting to pay 2 months (Chase was aware of the job change & notated my account that a double payment was scheduled for Feb). I'm getting concerned. Whenever a company declines to take your money, there is problem. So far I've been with Carrington 10 days & have no clue what the hell is going on, have no welcome packet & no way to pay my mortgage; but if they send me a foreclosure letter then I'll be the guy in the wrong legally. These guys suck, but I'm stuck with them.

I finally found out the amount for escrow. I paid it by mail. I mailed in the escrow and my monthly payment at the same time in 2 separate envelopes because they each went to different addresses. The monthly payment was received but not the escrow. Once again I was told to check with the post office. Everything I put in the mail that day was addresses/taken care of EXCEPT the escrow. Carrington has problems. I was finally tired of dealing with such incompetency that I took a loan to get rid of them. I asked for a payoff, that took 2 weeks. When I finally got it, it had a payoff date for 2 years AND a $500... late fee. It looked like I had to pay extra for paying loan off early. When I questioned it I was told by one person "If that is what it says you have to pay, then that's what you pay". I was not happy with that statement. I just hung up because I knew I was going to stoop to her level and I didn't want to do that.

I called back (of course I got someone different) who stated the amount was incorrect, wouldn't/couldn't tell me any specifics. I had to call back in one week which I did and that person had no idea what I was talking about. He had their copy of the form that was sent to me. He also stated something was wrong BUT was able to tell me the problems. He had to send it to the supervisor. They must have all agreed it was incorrect because I received another payoff amount without requesting it (imagine that). I paid the balance from the loan I had taken. When asked how long it would take to get the amount owed to me, she said she had no idea. I then asked "when I owe you money, you get nasty, rude, blow up the phone to get your payment but now you owe me money and you have no idea how long it takes. I'm sure you have no idea how stupid that sounds but I'm going to hold on while you ask someone. I would like an answer TODAY."

I probably should have been nicer about it but my tolerance of the company was very thin. I got my answer and then told her that I would like a letter stating the loan was paid in full and whatever other paperwork I'm suppose to get. I wanted all this within that 30 day period of time. I stated I will be calling on day 31 and will be just as rude to them as they have been to me during the time they had my loan. Told her I talked to them more in 4 months than I talked to the other company in 15 years.

I also told them they should read the reviews on BBB, that they are not even close to being good. Not one person had something nice to say. Every one that I read was a complaint. That is not good. I was able to get rid of them. They are the worse company ever. If your mortgage is sold to them, I suggest you refinance with someone else. Carrington Mortgage is an awful company. They should be reported to whomever can dissolve them. Oh, I had to give a rating 1 star to be able to continue. It should be no star/0 rating. They don't deserve and should not get anything.

On Friday 12/30/2016, escrow analysis is posted online with an escrow shortage. On Tuesday 1/3/2017 I make the escrow shortage payment online WITH the rep on the phone. She puts in a request for the funds to be applied towards escrow. On 1/1/2017, I was auto-debited AGAIN another mortgage payment, although they said the next payment was 2/1/2017. I called and LUCKILY received a refund check within 2 weeks. Two weeks after escrow shortage was PAID, my online account said the funds were applied towards the PRINCIPAL NOT ESCROW. Which means in two weeks my mortgage payment is going up almost $100. I called for two weeks, spoke with different reps, sups and departments, no one could give me an answer as to when the funds would be transferred to escrow and new escrow analysis would be complete.

On 1/31/2017, I made one last effort to RAISE HELL to have the funds and escrow analysis completed before the mortgage payment was due on 2/1/2017. Supervisor said he'd do everything possible to have it done by end of day 1/31/2017. He called at the end of the day to confirm everything was complete and informed me of the new mortgage amount. I confirmed online and it did in fact reflect the correct amount. GREAT!

On 2/1/2017, I checked my online BANK Account and to my lovely surprise I was auto-debited the incorrect amount!!! It was if I NEVER paid the ESCROW SHORTAGE. I Called Carrington who said there was NOTHING THEY COULD DO. They could NOT refund me the difference, they can ONLY refund me the FULL mortgage payment amount which means I would be reported to the credit bureau for a LATE PAYMENT. The supervisor said the ONLY thing I could do was to provide them with a copy of front/back of the check and copy of bank statement... Now, let's think about this; she wants a copy of a check...???!! THE PAYMENT WAS AUTO-DEBITED!!! WHAT CHECK IS THERE TO SHOW???!!! This company are a bunch of thieves and take your money and do as they please with it!!! Run from this P.O.S. company!!! From day one I've had issues with them and I've only been with them since November 2016!!!

And this review is based in the only 2 calls that I have made to them... So I do believe they all need a customer service training so they can become more effective... English is my second language but my experience with customer service is over 25 yrs customer service management and sales... I am very disappointed that BOA sold my account to this company. I have been a BOA customer for so long and I'm still a customer with excellent credit and I have no complains with BOA. This company should invest on their personnel providing them with the tools to be more efficient, professional, enthusiastic, courteous and polite with customers.

Fast forward to January 9th, 2017. A member of Carrington's staff calls my wife and starts demanding immediate payment or she will begin foreclosure proceedings. I get a call from my stressed out wife. I leave work to come home and call Carrington. I spoke with a very nice lady (Curcinna) who assured me that my payment would not be considered late until the 17th. I made her repeat the statement to me 2x and asked her to put comments in my account to the effect of our conversation. I then ask her to find out who called my wife with the heavy handed language & threats. She was unable to do so, and she was completely confused why anyone would have called us considering that we were still in the "grace period" after loan transfer. I end the call, confident that this was a one time screw up.

The following week I receive a letter from Carrington about our allegedly "late" payment & that they will not hesitate to foreclose on us. In the same letter, were the facts that the payment is due on the first and it is not considered late until after the 16th. CONTRADICTION IN THEIR OWN LETTER! I went online on the 13th & made payment for January 2017. It took Carrington until the 17th to finally take the money from my Bank of America account! Do these people not have computers and an internet connection? I can upload a video to YouTube & have it up in under an hour. I will be seeking re-fi with my credit union and happily rid myself of Carrington's strongarm methods. Why hasn't the feds shut these clowns down?

Now I am refinancing my loan with my bank. I just got notified by my new lender that the principal payoff amount is actually more than $1000 more than the payoff amount in October! The lender recommended that I contact Carrington, because there is no way my principal amount should be more in January than in October. I followed through with Carrington and have been bounced around. The rep said he had no idea, maybe my escrow account. I said, "no". My real estate taxes were paid in December 2016 for the tax year 2017 (and that is only $500). My homeowner's insurance was paid up in May 2016. I changed insurance companies! Now I have been referred to "Research Department", however, must fax my inquiry and provide "proof" that they have overcharged me. Looking at the feedback on this company, I smell "class action".

We just got another letter of Notice of Intent to Foreclose saying that we owe almost $4000! I called and the woman I spoke with was EXTREMELY RUDE! She said that OBVIOUSLY we don't have enough money to keep our house so she was just going to send us the paperwork to liquidate the property. I lost it! She had no idea why there were so many "extra fees" on our bill (our payment is only $700). We are being FORCED to pay these fees that no one can identify! What else can we do?

Of the 3556.28 we sent, they only applied 1500.00! And of course the phone calls and foreclosure letters coming in. They claim they never receive the money but yet it has cleared my bank account. Every year we would always get an escrow check but never once with this company. I honestly think they make up stuff to have people pay more and they withhold the escrow checks. I wouldn't wish this company on my worse enemy!

In Nov 2016 they had to refinance because the payment was too high and they could not afford it. The mortgage broker sent confirmation fax numerous times to CMS requesting information to close their modification with a new mortgage company. CMS said they never received the documents, it took weeks for them to actual confirm receipt of documents and then said it will take 5 business days to complete and get back. The mortgage broker ask to at least confirm over the phone with my parents that all payments were made on time because they did not report anything to the credit bureaus since they had the loan. They said no, they won't even confirm over the phone with my parents any information and they will have to wait 5 days for the documents to return.

When the documents were return in 5 days my parents were advise to call CMS and tell them they will report them to the CFPB (Consumer Financial Protection Board http://www.consumerfinance.gov/) and then they sent the information right away. This company is very unprofessional and violated my parents consumers rights. My parents are closing on their modification tomorrow but will be reporting CMS to the CFPB immediately! I advise everyone else to do so also to stop them for taking advantage of consumers.

YESTERDAY Jan 10, I received a certified letter that they had received the Dec 1 and Dec 2 checks. The money is not in my account. The letter was in Spanish, and informed me that foreclosure proceedings would start on Jan 12th if not resolved. I have spent over 2 hours on the phone trying to clear this up, and nobody will call me back for an update. Should I hire a Lawyer? I sent them bank statements and tracking info to show the payments were received. Still no word.

I called today and they said they closed file because they never received complete documents. My clients who is in hardship cannot afford a lawyer at this time. I am not charging anything to him and now he will have no place to live since his house is now in foreclosure. If a lawyer is willing to help my client start a lawsuit against Carrington Mortgage Loan Services, please let me know. Thank you!

I don't understand what is going on in this company. We have the internet. CSRs and managers should be able to look in a computer system and see what is going on with their clients. They should be able to log their interactions with us. They should be able to communicate with one another. But every time I call Carrington, I get the sense that every person working there is sitting in a cubicle by themselves on an island, surrounded by static. I understand that the people in customer service are making minimum wage and could not care less about me or any of their other customers. But CARRINGTON SHOULD. People calling for help should not be treated so poorly. This company should be deeply ashamed of the way it treats its patrons. I cannot wait to pay off my mortgage and NEVER have to deal with this company again.

The first two payments of $9,999.99 were applied to the principal. The payment of $4000.02 was not applied to the principal. The payment was applied to three advance monthly payments. My balance on my mortgage at this point should been less than $2,2000. Instead it was well over $3,000.00. I immediately called Carrington and let them know that the payment of $4,000.02 was not applied to the principal as per our agreement. She looked it up and said that the account was flagged and that the total amount of $24,000 should be applied to the principal. She said that there was no way that should of happened. So I asked her to reverse the payment and apply it to the principal.

She told me that this would take up to twenty days. I refused to believe that it would take twenty days to reverse a payment and in the meantime. I asked her to send me an email stating that the payment would be reversed and applied to the principal so I would have some type of recourse if this did not happened. She said that they did not have any email and that she couldn't send me any type of communication that would state what we agreed would happen to the funds. She went on to tell me that one payment would have to come out of the $4000.02 for January or I would have to make a payment by January 1. I told her that if I did that it would mean that two payments would be applied to monthly payments instead of just one. She said if I didn't make a payment before the other money was taken care of I would be charged a late fee.

At the end of the day judging by the reviews this what I see. I had a little over a thousand dollars applied to interest and an escrow account. The escrow account I do not need as the loan was to be paid off February 1. It is more than likely going to take a while to reverse the payment which is going to lead to more interest and more money going to an escrow account. Wonder how long it is going to take to get my money back from the escrow account? Be extremely aware of how this mortgage company operates to squeeze every penny out of their customers. Never thought it would be this difficult to pay off a loan.

Today I get a called from them again 12/31/16 at 8 am., Then I get another call 9:45 am. I told the rep again that the bank issue another check and you should be getting it and that no one knows what has happened to the check. I also went to the Post Office because, I do know my mail lady who receive the mail. Now the bank did some research and found out that all the bills that was mailed that day was paid. No one knows what happened to mortgage check. I found this company is very rude and uncooperative to their consumers. If they look, I'm never late nor miss a payment. Check your resources first to see what is going on before you say this is a debt collector calling you.

First of all all this bouncing from place to place should be stopped, but anyway I got behind a ear or so ago and asked them repeatedly for a modification which they denied several times. They didn't grant me one until I stopped answering the phone and let it get worse, then all of a sudden it was their idea and I magically got it. I recently got a month behind and almost every day they had someone out here snapping pictures and popping up on my doorstep. I was able to enjoy a small victory when the man they sent proceeded to try to call them and force me to talk to them after I told them they were closed (Saturday) and he had the same look of frustration that I have worn so many times when dealing with these idiots. Awful hours for an awful company, when will the madness stop. Hopefully they will one day ship me off to someone better!

Yesterday I received a certified letter dated the 13th saying if I didn't make the 2 payments by the 6th they may foreclose. So it was sent out during a time that I couldn't even pay the account. No leeway for the fact that they weren't set up to take payments or have an account # assigned yet. I asked them if it was sold to them so they could foreclose. Beginning to look like it.

So, then when my wife calls in to speak to them on her day off, they inform her that they cannot speak to her as she is not on the mortgage loan account (yet they can withdraw from her joint checking account without her authorization no problem). When I called in, they told me the reason they could not talk to her about was because they were protecting my information. Nice, now who is protecting my asset (checking and savings) information?

Furthermore, I never receive any late payment notices. In my opinion this all means one thing -- they like collecting Late Fees. This is not a customer oriented, or should I say customer friendly, company. I am very unhappy with them to the point of possibly refinancing my home in order to move my account to a better organization. My credit score has gone down due to my not being able to set up automatic payments.

I HAVE COPIES OF ALL ITEMS THEY KEEP TELLING ME THEY DON'T HAVE IN FILE. I also have confirming fax receipts and emails saying you have received them. I am tired of this and started a Complaint to the attorney Generals office. So on YOUR behalf I thought I would advise you of my next move. WE have waited long enough for your company to get the ** together. Have someone call me by the end of the day, or I will complete the Complaint with the attorney General.

It took another 3 months for them to pay me back all the money they took. This time it was an escrow shortage issue. So I sent in the amount they said I needed to, to keep my payment right. Again they keep repeating that it takes "15 business days" for the escrow analysis to run. It's been 25 this time. They sure did deposit my money "15 business days" ago. Yet I still have to pay the ridiculous amount over what it is normally supposed to be because they can't do their jobs. They are horrible with customer service, their escrow dept is run by slow people who don't care about us, the people who, because of their lack of decency and don't respect that we have to overpay out of our pockets each time they don't do their jobs and it's a hardship on our bank accounts. I was told again today that it will take another "15 business days" for the escrow analysis to come back.

That for now I will have to overpay on my loan and they can't tell me when I will get my money back for the overage. They sure didn't take this long to deposit my money. I hate this company with every ounce of my being. I miss Bank of America. I hate them both. One for being horrible with people's money and the other for selling my loan off to this Carrington Mortgage, who should be sued for stealing their client's money. I am fuming mad at them and want to be done with them so bad.

I paid Bank of America, as instructed on December 1. I called to discuss and was met with the most rude, condescending man. He accused me of interrupting him (I did not). He basically called me a liar that no one told me to call to get my account number. He never apologized for my husband receiving the disturbing phone call. When asked to speak to his manager he transferred me to a voice mail. Not holding my breath for that person to call me back. I will be looking for another mortgage company. To add insult to injury, I am a 17 year Bank of America employee. I guess my mortgage was not profitable enough, so they sold it to these horrible people. Disgusted all the way around.

Delay 2. So now my HOA is starting to threaten me to pay the roofer because of the delay. I get the packet and send the new packet to the president of the HOA and do my part. Get all the information requested signed and send. Delay 3. Incorrect dates on a affidavit. I'll take this hit. Resent corrected information. Called to verify receipt and told it will take another 3 weeks or so for processing our final check that belonged to us in the first place. Delay 4. Looked to me the delay was to make interest on our check as it sat in their bank account. So now we are waiting for them to delay this check so a lame excuse.

All this delays raises many questions for me. I wish I could change companies without refinancing but I just refinanced with them prior to this incident. Also having insurance issues with the same Townhome. They are not a good company to work with. My opinion is use another company. Any ideas on how to change without refinancing? This is a debt collecting company by design to take your money...

Their system is a joke and has so many issues and their online system rarely works as there are known delays at the beginning of every month causing you to make your mortgage payment late outside of the 1st of month and their company is aware of the issue for several years now but has yet to fix the problem because they don't care about their customers. It takes 20-30 business days to receive a refund even if the error was caused by Carrington. They discriminate against their employees as everyone is not treated the same and all rules don't apply to every employee and they look for reason to fire their employees instead of assisting them improve.

If you ever thought about working for Carrington "DON'T", if you ever thought about taking out mortgage with Carrington or if your mortgage gets transferred to Carrington please refinance somewhere else as you will be unhappy your entire mortgage as it will take Carrington close to 3 weeks from the time your loan was transferred before they even have access to your loan to provide you with anything and possibly prevent you from closing/selling your home as well due to their own delays, no fault of your own.

After correctly signing in my account showed my December payment overdue which I had made to Bank of America the previous month (the letter from BOA said that I would start making payments to Carrington beginning Jan. 1, 2017). I was put on hold for a while and when the person returned he said that there was a mistake and he applied my payment, and could start making payments through the website. (I pay half payments every 2 weeks on my payday and told him this.)

I signed back into the website and tried to make a payment, but it refused anything but a full payment and still showed me delinquent for December. I called again and played the phone game, and again was told that I was still delinquent. I tried to explain the previous conversation and the BOA payment which was applied but the person did not see it, she then told me that it takes a few days to process the BOA payment. It seems that information is a scarce commodity at Carrington. I have read about Carrington's lack of customer service and the first day experienced it myself, the cost of a refinance with another bank may be worth not having to deal with Carrington's nightmares.

Also, I never sent in the form to authorize payments, but they said Chase had sent the info to them (is this LEGAL???). The lady said she would cancel it as all they needed was 3 business days to cancel it. Well, on December 12, the payment was pulled from my bank account. I called them and asked them to refund my money immediately. They said it would take up to 15 business days. I asked to speak to a supervisor, and I was transferred to a "senior specialist". I asked him if he was a supervisor and he said no. After speaking with him for a few minutes, I had to ask for a supervisor as this "senior specialist" could not give me hardly any new information than the previous rep.

I FINALLY spoke with a supervisor named Shona (ID **). She informed me that I am one of 10,000 clients who made double payments (when in reality, I made ONE payment, and they essentially stole money from my bank account without my permission). She also mentioned that they "do this all the time" (meaning they buy mortgages). It's hard to believe they do this all the time, yet have no clue how to service these clients or accounts. This is a MAJOR error on their part.

She said that she has to tell me it could take up to 15 business days but will likely be less. I told her I work in the financial services industry and a standard ACH takes no more than 3-5 business days. She said because they have to use an outside bank, it takes longer, but that my request has been expedited. And still with it being expedited, she could only give me a 15 day timeline.

The customer service was terrible. They gave me wrong information on 2 occasions - a. They told me my payment would not be auto-drafted; b. They said they would cancel the auto-draft since I made a manual payment based on their previous information. It's a shame they are stealing money from people right before Christmas.

How convenient and now for the past three months I can't access my account online b/c I was late ONCE... are they joking... I get harassing calls from the same ONE guy every month. I try to make payment arrangements and they charged me $15 extra each month to pay over the phone... I had no other option?!? I keep getting all these certified letter cards in my mailbox. I don't have time to get to the post office, and they know most people don't have that time and that's why they do it!!!

They even had a guy come the very first time I was late to deliver me a certified letter. He had to come into my home to call Carrington and give them some number and when he did the lady had NO clue what he was even referring too. The guy was embarrassed as he said this happens all the time to good people and he is not sure why they make him deliver letters when you are literally late once?! I keep paying more and more and more and no one allows me to access my actual statement online??? The CURRENT statement... the one I get in the mail is ALWAYS out of date and after I make a payment, I should be able to see what I owe and WHEN I owe it, not have to rely on certified mail!!!

Not tri how can you create your own mortgage in place of existing mtg to cover crap up. And what was the point to have me think I could move back in and think I worked out an agreement with you only to have my heart crushed and think I was getting my home back. Why the hell didn't you f/c when you got service orders. O that's right. You had to cover Bank of America's crap. No home is safe anymore??? And it's sad the courts are just letting this happen in Kentucky (I hope your state will protect you from wrong doing) ripping the heart out of the American Dream. O and beware of the scam of them holding your mail. They put you on a service the same as bank protection so you don't get your mail. I'm sure there's more I could go on about.

This is my only complaint so far. No offense but I have never been late on my Mortgage payment and I don't intend to be now. So, on the 10th of November I checked online and called and still my account was not complete. Finally on the 16th, everything was ready to go online and I was able to schedule my monthly payment through the online system. So far, everything seems to be ok? Payment shows as posted and processed. However, I have heard people with complaints after this time so we will see if we can continue to get success.

I will say that so far, everyone I have spoken to has been nice and considerate. I know that they are just doing a job and may not be able to fix everything immediately. Crossing my fingers that everything continues smoothly? I will update if anything happens in the future. I just wish the process wasn't so time consuming. It shouldn't cost me this much of my personal time to continue to pay a mortgage that has been paid religiously for over 10 years without delay.

This is my complaint: We put our home up for sale and we signed a contract with Mr. and Mrs. **, with the condition they sell their home. The ** put their home up for sale and accepted an offer from Mr. and Mrs. **, who we were told was approved by your company. The closing was scheduled for November 22nd. Last week Ericka stated the loan was being delayed due to she could not find an Appraiser. Mr. and Mrs. ** were trying to have Thanksgiving in their new home. They had family coming in to celebrate their new home, so the realtors found an Appraiser that could do the appraisal on Monday 11/21 and try and have the report by the 22nd so we could all close by the 23rd. Last night Saturday the 19th our Realtor called us to say that the Loan Office said to cancel the appraisal because it was never about the appraisal... Mr. and Mrs. ** were NEVER approved. Ericka had lied all along.

Now Mr. and Mrs. ** have to put their home back on the Market during the holidays which means they may not get an offer and now we are trying to find out how we can make the payment on this home and our current home, and it is Christmas time and that means we cannot buy any Christmas gifts for our children and if we also have to make payments in January I don't know how we can do that. This is totally cruel and Ericka has hurt a lot of people, caused The ** to not move into their home for the holidays and have caused us to not have any Christmas for our family because we have to find any money we can find to make 2 mortgage payments. How dare your company do this to people. We are human being. We don't deserve any of this. Your company is horrible.

We tried to make a payment again. We were told unless we make two payments and late fees we couldn't make a payment. I have never heard of any company accepting any form of payment. I feel they are trying to take our house. It's only been a week Carrington has taken over our loan. Please can anyone assist a retired Army man who is paying two mortgages get help.

During this time we were continuously told that they would not take any mortgage payments. I could not believe this so I sent them some payments and had them returned. Long story short they put my family's home and site of our business in foreclosure. When we took them to court yesterday they misplaced all of our phone conversations and said our payments were returned because of a routing number Problem. We now owe 30,000 dollars more for our house than when we bought it. This company needs to be stopped. If you can, get away from them. Help please.

When I spoke with supervisor Andy and realized his level of competence was just as lacking I knew this was a widespread issue throughout the company. Andy just wanted to talk in hypotheticals and run around in circles. He never answered a direct question. He never provided a solution to our problem. In fact his entire existence was telling us what he can't do and why Carrington has made no mistakes. This entire company should be put out of business because it is definitively NOT business they are conducting and they will tell you directly that they know it. Pitiful!

On 08/09/16 we made another request for paper statements. We were told it would be sent. On 10/13/16 we received a Certified Letter with a Notice to Foreclose that was mailed on 10/07/16. They had received and cashed all payments we had made on time. However, this time when I called I was told that we did not make the full payment for September or October! Apparently our mortgage went up but they could not contact us to let us know because we were in Bankruptcy in 2011. That was 4 YEARS before they bought our mortgage. The payment we made in September was not applied (put in escrow) until they received the full payment which they took out of our October payment. Then they put our October payment in unapplied (escrow) because that was now not a full payment. We had NO idea our mortgage even went up.

Customer Service not only gave me excuse after excuse, but transferred me around to one rude person after another. I was told several times that they could not help me. I would need to talk to the Bankruptcy Department. The Bankruptcy Department would NOT even take my call because I was not in active Bankruptcy. Finally after getting a Senior Rep, I was told then that our statements would be expedited. I paid the payment balance right then and there which was confirmed. My account was up to date! SO I THOUGHT!

Conveniently for them now we were receiving all sorts of paperwork in the mail. This was now October. I was under the impression that everything would be okay, but THEY ARE NOT! We paid our November payment on time. This had a late charge added to it for the October payment despite that being waived. We immediately paid it so there would not be any more problems. Both checks cleared! One on 11/05/16 and one on 11/07/16. HOWEVER! Our statement says that there is another late fee on our account so our November payment is being held in escrow (unapplied) until we pay another late fee. Our November payment is NOT even late yet!

This company is beyond ridiculous and CRIMINAL! PLEASE do what you can to get the ball rolling on a Class Action Suit against Carrington so that this does not continue. I will be following through at my end. However, I must now take a break to rest up for the battle I face on Monday morning to try right the current wrong. Thanks for your time.

From reading the previous reviews from others, there is definitely something going on with this company. I do believe they have some kind of scam going on. And WHY no one has done anything about them is just beyond me. But in any case, we are refinancing ASAP. Oh! And the rep that I spoke with from Chase told me that he has spoken with others that were sold to Carrington saying the same things I have. No info from them and so on. If you get sold to Carrington - RUN! RUN AND REFINANCE AS FAST AS YOU CAN.

I was not able to track the UPS label. Called 27OCT 9am CST. Spoke with a woman who said the prepaid label was rejected and the check was not sent out. She quickly volunteered to connect me to the LOSS DRAFT section. Spoke with Craig at about 9:20 am CST. He confirmed the label was rejected. The check is currently being processed and should take 3.-5 days. He could not answer, when I said I have a notice the items were signed for by a Debbie on the 21st of OCT and another rep told me it was sent to me on 26OCT. He replied they have 3-5 days to process from the day they receive it. I told him it was received on the 21st and it is now the 27th. He said they still have time.

Called the LOSS DRAFT on the 28th and spoke with a woman who said nothing new. She was able to see the prepaid label and envelope but nothing on the check. She asked me if the prepaid label has my address, I advised her it had the address of the UPS store, because I knew it would arrive while I would be at work. She directed me to send email authorizing Carrington to send it to the address using the items I had provided. I did so as soon as we got off the phone. Called the morning of the 29th to see if they had received the email - nope. Was told it would take up to 24 hrs before they would be able to see it (WTF!). I was also told I would need to send the authorization as an attachment to an email. Ok, I resend as an attachment... I called on 30th to see if they can see the email I sent on the 28th - nope.

I called on 01NOV to see if any email can be seen and where is my check? No email, check is being processed by another section because it is from a different company. Was advised to call back the next day, should have news. Called on 02NOV. Spoke with Kaitlynn who advised no emails are displaying on the account. Check is being processed by another person. She offered to speak with her supervisor who advised her the person who takes care of those type of checks was not at her desk and did not know when she would be. Called later on in the afternoon and was told the check was most likely received on the 21st and transferred to the new location in Nebraska. Oh goodie! A new chapter begins. I am not sure the results of the BBB complaint I filed, since the BBB office at that county gave them an A+. I will most likely call them every day... if you have choice...

The payments were not made as principal only. I was told it would take some time 15 days to correct. I have since then faxed letters to C.E.O Mr. Bruce Rose and Senior V.P. of Operations Mr. Jeff Gillis. I have not been contacted yet. I have also faxed to the numbers which you can find online. I would ask all of you to do that also. For Texas residents you can contact Ken Paxton our Attorney General, and let him know what has taken place between BoA, Carrington and you. Also, it would behoove all of us to contact the BBB for Anaheim California and Loretta E. Lynch the U.S. Attorney General about this company.

Venting is not enough and Consumer Affairs may give us a place to document what has transpired in our personal lives but more needs to be done. Now are you ready to take the time and make the steps to collectively complain, to a source that can possibly make a difference? I have the fax numbers which I got from the Carrington MS Site. Carrington owes me money. My loan is paid off and I need my escrow money to pay my taxes. This is a same that they have done this to so many U.S.Citizens however there has to be a recourse. If anyone else has any other suggestions as to how we can help one another please document. We need to do more than vent we need to use the avenues that are out there for us to gain restitution.

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 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.

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.

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?

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.

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.

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?

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.

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.

Updated on 11/09/2016: It has been seven months since trying to get a modification or repayment plan and I keep getting denied because they say I don't have the right paperwork, or someone tells me one document is good and to send it in and when I do someone else tells me that it was not good. I actually had one of the customer service people tell me that the people who do modifications don't have phones back there so I can't talk to anyone! I have hired a lawyer who does not seem to be helping. I have not heard from him in weeks, even though I email once a week to see what's going on with a repayment plan. I have contacted HOPE, and they told me all they could do was be on the phone with me when I call them.

I have gone to a local counselor to try to get HEMAP, or whatever it is called, but got denied because only about 8% of people get approved or something like that. I actually did get into the underwriting process with Carrington this last time, but then they said it was an incomplete packet because I did not send in pay stubs for my boyfriend for the past 30 days, because he has been laid off from his job for a little bit and only has proof of unemployment, which I was told before that would be fine and to send in proof of unemployment and determination letter, which I sent in multiple times. I have sent in more than 60 pages of documents to them over and over again.

Then they come back again with wanting to see the pay stubs. I have filed a complaint with the CFPB and am waiting for a response from them. I don't know if that does any good or not, but I have tried everything I can to get something worked out and no one seems to be very helpful with this. I have thousands of dollars that I can send them right now if they would just let me work out a repayment plan. I would only have to repay about $1500 or less of what's behind, which would be one-month payment, late fees and lawyer fees they added on if they would just take my money and work this out.