Carrington Mortgage Services Reviews

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.

Numerous times while waiting on hold for customer service (or maybe it was their general "friendly" call-in greeting), they would play a message saying that they were a debt collection company and that if they received the payment one day late they could report it to the credit bureaus. So I decided to call in to asked to change the due date of my loan because they seemed to have such a draconian approach to their customers about payment, and I get paid on the same day as the due date.

I have found myself traveling or in the hospital when that date came around before, so it just wasn't working for me. She told me that I actually have 15 days after the due date to pay before they report--but which statement holds up in court should they decide to change their mind? The one on the recording or the verbal statement not written anywhere on paper? Even after mentioning the lack of security I had in a verbal statement when the recorded message stated otherwise, THEY WOULD NOT CHANGE THE DUE DATE for me.

I am not happy with Bank of America for selling my mortgage to such a horrible company. If they are not swindlers, their company is incompetent at doing mortgages and no one should have sold mortgages to them in the first place. I decided that I will no longer be doing my personal banking with Bank of America because of this. When I go in to officially close my accounts (and get the few dollars out that are just sitting there now), I will be telling them why they are losing my business. What poor judgement! What poor treatment of their customers.

Over the last 2 years, we have been harassed with phone calls, sometimes more than 1 each week, trying to get us to refinance our loan with them. A "streamline" loan I believe they called it. I research this type of loan and of course it benefits nobody but CMS. They will give their sales pitch making it sound like you are getting this great deal and will save so much money. Don't believe it. Do your research! We have asked them multiple times to stop the phone calls. They just keep coming. I received another one this morning.

When you call them and are sitting on hold, a recording informs you they are a collection company and this is an attempt to collect a debt. When I complained about that, telling them I have never been late on a payment, they said they have to say that because they "do collect debts such as house payments". He said all mortgage companies do that. I told him all companies do NOT do that but it didn't do any good. These people are robots and do/say exactly as they are told in their CMS scripts.

We have also asked them to stop mailing us their refinance propaganda as we receive this on a regular basis. The only way to stop this is to write a letter and mail it. In this day and age, emailing or using their website should not be a problem. They are a company that should be shut down. I agree with the people who say we should start a class action suit. How do we go about this?

In the end I know have to pay $116 in late fees - which apparently no one there has the power to remove - for the REJECTED payments made for July and August, not to mention have a damaged credit report for showing late mortgage payments - to which they also can't undo. I was told my only recourse is to write a letter to the customer review board, and they might possibly do something. Forgive me for not having a lot of faith in this process, because apparently this group - the only people who can actually do something in the company - doesn't have phones. If I wanted to setup a system to ignore requests, this is how I would do it.

After reading all the other horror stories with this place, I can't help but believe this isn't a coincidence. I bought my home with an FHA 203K loan to make repairs and such with the purchase of the home. This October the 5 year additional FHA MIP is up (and I will have well over 20% equity in the home) and I was planning to refi into a normal loan without the FHA MIP. Good luck now. Oh, but they will give me an FHA streamline refi - where you pay the additional MIP for the life of the loan.

Here it is August and they are still holding one of my insurance checks. I just sent them a box full of receipts, invoices and estimates. I'm trying to get my house refinanced just to get away from this company. The worst customer service I have ever had to deal with. I have turned them in to the state. Good luck if you have them as your mortgage company.

This year they have made the same attempt again but first they said I did not pay this year, then I had to have the tax office send my 2015 tax receipts show I paid them. When I called them back they said no we have you for not paying 2014 property taxes. I said if I did not pay why did you cut me a check back and why would you allow me to pay my note for almost 2 years with no escrow. This has happened approximately 4 years in a row. I sent them last year's information again, then they said they sent $2,700.00 to my homeowners insurance company. I said that must be impossible because my insurance is monthly auto deducted. So I immediately called the insurance company they said and sent me a letter that Carrington sent them requesting my insurance declaration page as well as my payments statement.

This letter that Carrington sent to my insurance company stated that I have undergone a loan modification and I was changing from a non escrow account to an escrow account. The information is not true last year, I did inquire that information but when I found out again about the escrow account I wrote them a letter in writing that I did not want to except anything to do with the modification I will remaining paying my payments as usual. That happen in Nov 2015. I have been paying all my bills as usual and now in August 2016, 10 months later, they once again has set up an escrow account. They paid my insurance company $2,700.00 for the year. I'm furious! I told them to change it back, I'll pay them their $2,700.00 today over the phone. They said that they will not remove the escrow account until I pay all those back property taxes that don't exist.

I called my insurance company told them what was going on, ask them to to fix it back and put a note on my account to contact me of any changes to my account. July 2016, Last month I paid my monthly note with no problems all of this just started this August 2016. At this time they won't let me pay my monthly note unless I pay the entire amount $2,162.38 online. My statement says to pay $4333.76 at this time but my house note is $1,163.73/month. After the 16th of the month late fees apply. Up until this month I have been paying my note as usual. Then they recites their jargon about the account will continue to acquire late fees and possible foreclosure if I fail to make my payments.

I'm so fed up with this constant stress and harassment. I really feel that the homeowners need to come together a file a class action lawsuit against the mortgage company if they have to pay fees they will stop all this foolishness. I urge people to write BBB along with HUD RESPA (Real Estate Settlement Procedure Act) and Consumer Financial Protection Bureau. The more action everyone takes, the less opportunity for it to continue. Finally, I do advise that everyone get the app call recordings on their phone and let them know they are being recorded so u can have proof of the call. In the long run it can be very beneficial to you! This is helpful for all calls.

The level of incompetence, unethical behavior, and negligence is unbelievable. I was assured that I wouldn't lose this house or my money. Now I'm out $1,500 because these people lied to me for months on end. They're refusing to give me back my money. I have hired a lawyer and am considering taking this to a class action level if I find others who have had similar experiences. So far, I'm suing them for bad faith, breach of contract, promissory estoppel and maybe unfair trade practices.

We are now in 2016 and I'm told, due to a change in FHA rules, another copy of a quit claim deed is needed. My home was then assigned a foreclosure date. My realtor and I applied for short sale process. We sent in several offers. Finally were told the sale was canceled (07/05/16). We called the local Sheriffs office and received verification. On Friday July 8, 2016. We were told the home was bought by Carrington. None at Carrington wants to talk about it. I'm guessing my next move is "me being tossed out on the streets." This just is not right. How can they do this and NOT CARE?

Fact is, they snatch up (buy) your mortgage, then make paying them as difficult as possible then threaten you with all kinds of fees and scams. I take what they did as a pending act of violence. The last scammer I dealt with was a 900 mile drive and cost me a few months in jail, but he no longer has functional hands anymore. Let's see if I have to answer their form of racketeering violence with mine kind of defensive violence in the future. If you're scammed by ANY of these bank rip off related people, use all force necessary to stop them like you would treat a pedophile. After all, why should we hang a horse thief but let a house thief walk!

Having made all our mortgage payments during the last 18 months using their system, recently we came across a problem. The problem being after payment was submitted a confirmation was sent, but after about a week or longer no payment was drawn from our checking account. Long story short they claimed that I had missed one digit when I had entered my bank account number on their website. The confirmation email surprisingly masks all numbers except the last 4 so one could not prove who was at fault, so I had to take their word for it and "suck up" the late fee as well.

Many other firms request account number and or routing numbers to be typed twice when using their website to make payment, thus minimizing the risk to customers. However this firm chose not to utilize this method, since I am sure it helps their cause with typos and brings in additional revenue for them. After my phone call with Carrington Mortgage Services, they asked if I would like to make a payment since I was late. I asked if I was going to be charged $15 pay by phone fee, they said yes, so I said no thank you.

Moral of the story, don't get mad with these bottom feeders, get mad with those that allow firms like this to operate with these type practices. From what I have read from others on here about Carrington MS, and from what I have experienced, I'd rather be dealing with a shady loan shark than these muppets. Ending on a somewhat positive note, Carrington Mortgage Services behavior has encouraged me to seek to pay off my mortgage earlier if possible or to refinance. Sorry guys, pushing (abusing customers) too hard sometimes backfires.

This went on for months. I had no choice but to now retain a lawyer. Spent money I did not have to sit in my lawyer's office for 2 hrs trying to contact anybody that could help. They constantly put us on hold and transferred us several times to no one that had any idea what my situation was. They were harassing me by phone almost every day. They would hang up if my children answered the phone. They would call and ask for my ex husband (who they were told doesn't live here several times) and when I told them he doesn't live here, they would hang up on me even though my name is on the mortgage...

I then sent letters to consumer affairs of both NY and CA, the BBB, the CEO of Carrington, Governor Cuomo, Senator Schumer and the Attorney General. NOT ONE PERSON REPLIED. At this point I've been to court to sit not with Carrington's lawyers but a mediator. Yes they sent me representation for the representation for the bank. Once again they were playing games. My lawyer constantly had issues with communicating. Example, they never got my paperwork, email or something was always missing etc... It was always something. During this whole time, even though the bank is to be speaking only to my lawyer, they cont to harass me by phone.

One time they called to ask how I wanted to handle my short sale. Funny thing. I never said I was doing a short sale. When I asked where they got this info they then hung up the phone on me. A few weeks ago I found a letter on my doorstep. No letterhead, just stated to call my mortgage co. Now I knew it was the bank because I recognized the number. For the fun of it I called. Half way into the call I said "do you people even know were in court and you're not supposed to be contacting me." CS put me on hold. When she came back on the phone she stated "because we can't speak with you, the letter came from a 3rd party."

I said "SO NOW YOU'RE HARASSING ME THROUGH A 3RD PARTY!" LOL, she hung up on me. Went to court last week and was denied a modification due to check fraud. Yes they are now accusing me/my ex husband of something that could put me in jail. They provided no proof to my lawyer or the judge. Funny thing is I work for a company as does my ex husband and neither one of us write our own paychecks. Now it's time to go to the big court and spend more money I don't have. I read all these complaints and can't understand why this bank can get away with this abuse. I am now in danger of losing my house and don't know where else to turn. I have actually resorted to contacting, lol, 7 on your side. Shame on you and anyone else I could to try and help. It's ridiculous. Any suggestions?

In order, CitiMortage had added on $1,750 plus another $3,450 that they refused to substantiate or explain. I plan to send Carrington one certified letter next week, and then to file a complaint regarding fraudulent business practices with the Colorado Attorney General, and to then to sue Carrington in State District Court, Douglas County. I do NOT trust Carrington, and with good reason!

Requested documentation to support the $1,000 in charges they claimed to be fees. I only received documentation to support $240 in charges and the remaining amount they claim is from Bank of America. They refuse to provide documentation for those charges and have actually said go contact Bank of America. Carrington is still demanding payment for those charges despite not having proof. I finally filed a complaint with the NYS Attorney General's Office and recommend everyone on this list do just that. You can also file a complaint with Financial banking department of your state. I am still waiting for a resolution.

Apparently the Dream Home Organization was not very well run and I had to constantly call back and find out what was going on. A month-and-a-half later we are now in to 2016 and it's almost February, I still don't have any income, I still have not made a mortgage payment and I find out from the Dream Home Organization that I don't even qualify for their program because I am not upside down in my mortgage. I called back to Carrington asking why I was referred to this program wasting time and resources when I didn't even qualify. The representative, of course, did not know and told me that I had to be 60 days past due before they could step in to do anything. I was furious at this point. I told them I needed help now and I didn't want to wait any longer for my credit to fall further behind. A few weeks later I received a package in the mail for loan modification request.

I sent all the information back to them with what little money I had left in my account & paid for 2 day delivery with return receipt. I tracked the package. I called them when it said it was delivered and they told me they had not received it. I called for 3 weeks every few days but nobody could find where it was. They told me I must have sent it to the wrong address or that it got lost in the mail and I needed to fill out another packet and send it in. I was told to leave messages in supervisor's voicemail boxes but nobody called me back. Finally I left a very stern message on one supervisor's voicemail & gave all the information regarding the tracking number, the person who signed for it, the date and the time it was received and said that they better find my package because I did not have anymore money to send it again. Suddenly, a miracle happened and they actually found my paperwork! It's already April 2016 at this point.

It was another week or so maybe 2 weeks that they mailed out a letter to me stating that the information was missing and it listed a bunch of items I needed to provide that was not requested in the original package. Now keep in mind the letter was dated in what I would consider a timely manner but by the time it got to me it was about two-and-a-half to three weeks later from the date that they finally received my information. I was given a fax number and an email address to send my loan modification supplemental documents into. When I tried to fax the documents the fax machine kept reporting that nobody was answering on Carrington side. I didn't have access to a scanner so I emailed the loan modification email address that I was given and explained what had happened. I requested an alternative number to fax the documents into or for suggestions on what I should do. Nobody responded.

I called in to the call center and explained the situation and asked to have my account notated that I was having issues. I called back many other times asking for another fax number they told me they only had one fax. I've spoken with numerous representatives, some whom were sympathetic and tried to help but due to their position, were unable to do anything for me. However, most of the time the representatives have been rude and condescending. I wanted to give up many times but I've gone through so much to get all this information in that when I finally was able to get to a scanner and scan all 32 pages and email them I felt like this was it. The nightmare was over & the hard part was done. I could relax. I was wrong. I then received a notification that because my documents were not received in time my loan modification request was denied. I was livid.

I called back and demanded to speak with somebody in a supervisory position that could overturn this and reopen my loan modification. There was nothing they could do they said. I would have to fill out another application because my original application was now outdated. I was also told that all my supplemental documents were fine it was just the application that need to be updated. I grudgingly printed out this application, filled it out and faxed it back in to Carrington. Or should I say I attempted to fax it. Their fax machine was not picking up again. I called, I emailed, I raised hell, but nobody cared. Finally on my last ditch effort, I tried it one last time and it went through. Then I got another notification that the tax form was filled out wrong. I didn't check the box. Then I was told I was missing other documents. Ever feel like nothing you do matters? I was told I just needed to fill out the application again.

But now I needed to provide all new supplementary documents to match the new application. It is May 27th of 2016 I have still not completed my loan modification. Noteworthy to mention: During this last month, I was notified that another program was able to help me called Florida's Hardest Hit that will pay up to 6 months of your mortgage. They notified me that I was approved and that they were sending a request to Carrington for payment approval. I had assumed that this had taken care of my past due amount since it was to cover 6 months worth of payments.

I logged into my account on the Carrington website to look up my recent statement to verify the payment was credited since I've not received it yet. Not only did they not accept the payment from Florida's Hardest Hit program, they tacked on an extra $1,000 in attorney and appraisal fees. Of course Carrington isn't open past 8 pm to discuss this. I feel like dying right now. I can't lose my house! How does this happen to people who are legitimately needing help and doing everything they're asked to do? I'm reading all of these awful stories about this company and it makes me feel so hopeless.

Our payments have gone up 50$ from 638 to 684 with no explanation. We made the 4890 plus payment last month. Called today to see if they had taken it and nope it's in some side account and the number we were given didn't include any fees etc... We have requested the "updated " number and said it should be here within a few days. We are extremely stressed out and have busted our butts to keep our house!! Why, why don't you take the payments? Please help us if there's anything we can do, we WANT to save our house!!!

Although hold time have gotten better, customer service has not. I get ill listening to their recording of how they are a debt collector and any information gathered will be used... yeah yeah yeah. I AM NOT IN COLLECTIONS!!! I have a mortgage with you. Let's figure out the difference and treat me like a person that has a mortgage. Whatever you do do not pay your mortgage in the grace period. The grace period is standard on all mortgages. They do not handle it graciously at all. Because this company doesn't accept electronic transfers from banks, I have to trust the bank's timing with the paper check. Sometimes it gets there early and they cash it which can cause a trouble with my bank and sometimes it gets there a day later which can fall into the "GRACE PERIOD". Grace period makes me subject to excessive phone calls.

We have never been late on a house payment in the past. Our loan was also sold to these incompetent fools by BOA. They were very rude and aggressive with us. We did go ahead and pay them. My question is with all of these complaints, does anyone know if the authorities are looking into these people?? Do we need to make them aware of what is going on???

Then, all of a sudden, they stopped taking the payment out of my account. It's an account that I never use and don't keep track of. So I didn't even realize payments weren't being made for some reason. So after 3 months, I log on to my bank account and see all this money in it and realize they never took the payments. I tried to log on to my account to make the payment online, and they won't accept the payment because it's over 30 days late. Then, I called to make the payment through the automated system so it's free. But, I can't make the payment that way either. So I have to talk to a representative. The lady was so aggressive and rude. She wouldn't waive the fee. And she argued with me that I should have known there was a $15 fee because I have made a payment over the phone before and paid the fee. I told her that she was incorrect and that they waived the fee. To which, she called me a liar because they can't waive fees.

So, then I told her to look it up on my account and tell me when it was that I ever paid a fee for the one payment I made. After several minutes on hold, she came back on and said that she see where they waived it. Never apologized. Just continues to be rude. And she wouldn't waive the fee after all that. So, now I'll just have to mail the payment to them to avoid all these stupid fees. This company is a nightmare. Please, do yourself a favor and avoid using them at all costs. I will be refinancing this loan with ANYONE else. Just so I don't have to pay them another dime. I have no clue how a company like this, with so many awful complaints, can still be in business and why the government hasn't stepped in and taken some sort of action.

They told me they were requesting a rush on the appraisal. I haven't even received the phone call to reschedule from the company, no call all day Thursday or Friday. I call them, and ask, "What is the hold up, if there is a "rush" on the request?" I'm told, I will get a call back with an update. I do not get any call. I am going to follow up first thing tomorrow morning and I will report back on all this to other consumers on here. I really want to know if anyone on here has heard of a class action lawsuit? I would like to know more if so. Thank you.

I called Carrington several times and told them I am a terminally ill cancer patient and the drop in my credit score has created undue hardship for me. I am not able to refinance my home to bring the payments down or secure transportation to my doctor appointments fifty miles away. The Carrington supervisor encouraged me to wait for a response from Carrington before contacting the bureaus because it would slow the process.

Thirty-four days later, on April 28, 2016, Carrington finally told me via the phone they refused to remove the thirty days late because the payments were not immediately applied. I still have nothing in writing. During this time I made the transition from a teacher with 15 years of service on county payroll to Social Security and long term disability income, but I always made payments prior to thirty days late.

This organization is ruthless. I believe they destroy people's good credit to attempt foreclosure on them. Their lack of courteousness and unwillingness to provide customers with experienced contact resources in applicable departments is testimony to that. Carrington Mortgage does not care! These people are in the business of debt collection and real property acquisition.

If we don't close on 4/11/2016 he will not sign an extension. Mind you Carrington made the above part of the conditions in order to move forward with the loan approval process. Now I am not getting the house? This should be criminal. Carrington needs to pay us for the money we put out just as a condition before we move forward. Really?

I was told that the FHA policy had changed about 1.5 week ago. I was told to write a letter requesting an assumption package and was provided a number of a person I can contact about the assumption. I was told by the broker that he had no idea why the company gave me the advice of applying for an assumption when I won't qualify due to the loan being in default. I sincerely have never dealt with a company that seems to be reading from a script and have no idea or knowledge of a situation. I would ask for advice and it was so obvious that there was just no knowledge. I cannot describe the disgrace and the feeling of knowing that companies like this exist in the United States.

To compound matters, they then took my August payment which had been made during the waiting time and applied it to July without telling me that is what they did, and subsequently my August payment became over 30 days late of which I was also not notified in a timely manner, another credit report entry. No phone call, no email, just another US Mail letter, way after I could do anything about it. I finally found out about the July payment so I quickly reauthorized it online to stop the cascading of late payments.

The company has been absolutely uncaring about the situation and unwilling to work with me on it, even though I had obligated all of the money necessary to make all the payments on time and only by a random keystroke mistake was I even late in making the first payment.They also refuse to acknowledge that they share at least part of the responsibility since they took so long to notify me that my payment was late. I am searching for the correct state and federal agencies to work through to ensure this company gets the attention it deserves.

Well, the remodel/repairs were completed back at the end of September of 2015, so I contacted Carrington's loss drafts department at the beginning of October (they are nearly IMPOSSIBLE to get a hold of) to ask them to release our funds to us ASAP. That is where all of the insanity started. I was e-mailed by someone named Maruja ** from Carrington's loss drafts department and she informed me that before they could mail us a check, they needed to have an inspection performed on our property to ensure that everything was indeed complete. She informed me that she would be contacting the inspector in our area and that they would be calling us to set up a time to come to our home and perform the inspection and, once that was done, they would release the funds to us.

Well, we NEVER heard from anybody. Weeks turned into months and still nothing. I communicated with Ms. ** many times via e-mail and she kept verifying my home and cell phone numbers, which were both correct, but still no one ever called. We stopped communicating for a period of time over the winter as my husband ended up needed open heart surgery in December, so obviously dealing with that was much more important. Thankfully, he is perfectly fine and doing very well now. I contacted Ms. ** about a month and a half ago (early February) and the whole runaround started again, that she would have an inspector contact us ASAP so that we could have the inspection performed so that they could release the funds to us. Once again, nothing. No calls, nothing.

By this point, we had to pay our contractor some money out of our own pockets since they can't continue to go unpaid for an over $30,000 remodel job. Finally, I got so fed up that I looked up the e-mail address of Carrington's CEO, Mr. Bruce Rose. I sent him a e-mail today (March 29, 2016) explaining the situation and essentially demanding that the funds be released to us immediately, that they were holding OUR MONEY hostage, that we NEVER heard from the inspection company, and threatened to report them to the Attorney General if they did not comply. Keep in mind, this was the VERY FIRST TIME that I had ever contacted Mr. Rose. Well, approximately an hour or so later, I got a reply from Mr. Rose. CLEARLY, this reply was NOT intended for me, but this incompetent, fraudulent joke of a CEO sent it to me instead of who he actually meant to send it to.

Here is the exact e-mail that he sent me: "Chuck - This idiot has been pestering us for at least a year that I can remember, I can’t even sort out all of the details of what she is referring to any longer. Let’s do two things here – solve whatever the current issue is asap and then get Ray to offer her a streamline refi at whatever rate will incent her to refinance quickly, then sell the loan on a released basis into the market so that we are no longer dealing with her. Please let me know your thoughts. BR"

First of all, where does this guy get off calling a customer an IDIOT?! Plus, where does he get the idea that I have been "pestering" him for a YEAR?! This is the very first time I have EVER contacted this man! Secondly, what he proposed to do to me, basically trick me into refinancing by offering me a deal that I couldn't refuse and then turn around and sell my loan to the black market, is ILLEGAL. Yes, obviously they have the right to sell loans at any time; however, planning it out in the manner which he did just to get rid of me IS illegal.

I replied to this e-mail and informed him that he was officially being reported to both my state's Consumer Credit Protection Division as well as the Federal Consumer Credit Protection Division (the CFPB) and that I would go to every single media outlet possible with this to make everyone aware of their illegal, fraudulent practices. Obviously, he never replied to me, but he had one of his minions call me trying to do damage control, telling me that this e-mail was not intended for me (OBVIOUSLY), but I wasn't buying any of it. There is NO excuse for what happened whatsoever.

When I called our state's Consumer Credit Protection Division and spoke to an attorney there, he could not believe the e-mail that Mr. Rose sent me and is VERY anxious to get the ball rolling on this case and is sending us the paperwork to fill out so that they can get started on this investigation ASAP. Let my experience serve as a warning about this company! If you can avoid it at all, AVOID dealing with Mr. Rose and Carrington Mortgage Services at all costs!!! They are FRAUD and LIARS and I will take this case to the furthest extent possible!

The final straw came when it was time to pay taxes and h/o insurance escrow. Carrington sent me a notice stating it was increasing my escrow account by almost $100/mo to "pad any possible shortcomings". The company is so poorly run and its approach to customer service was so disgraceful that I refinanced my home after only 2 months of dealing with Carrington. Working with this company became a part-time job. If you are thinking about doing business with Carrington... DON'T. If your mortgage is assumed by Carrington, refi while rates are still low. Hard to believe this company has any customers left. After the refi, I called Carrington and advised it that due to its poor business practices, I refi'd, which ended up costing the company over 130K in interest payments. I was immediately hung up on. LOL! Thank God, I'm away from such an aggravating company.

My payment which was sent in a bank cashiers check, was returned; they didn't know where to put my extra payment! What!?! Even I know it needs to go to the principal!! The people I have talked to have been nice but I think they are limited in their abilities. How can I speak face to face with somebody who is knowledgeable about mortgages? My fears are being realized. I asked BofA what I needed to do to get my loan bought back and they said I just needed to refinance--until they realized it was a VA loan! After reading everybody else's similar complaints, it all sounds pretty sketchy and not ethical! I think there is a case to be made!

Yesterday, my husband received a call from our bank at a branch that was nowhere in our city. The bank representative stated that the bank check had been sent back to their branch with a letter from Carrington stating that they did not know which account the check was for because they could not read the account number. The bank representative told my husband that she didn't know why it was sent to their branch and not their main office which was clearly printed on the check. Also she said that she could read the account number perfectly. The bank re-deposited the money into our account and my husband had to go to our bank branch and get a new check made. This time I had him send it certified mail to them.

When I got my taxes back, I sent a double payment (in addition to my additional payment) and noted it was for the principal. I looked online and see that they put part of it towards next month's payment and who knows where the rest of it is. That money should have been applied but instead it looks like they are earning the interest and suspending my extra payment. No one is available to talk to on the weekend but you can bet I will go elsewhere and see about moving my mortgage...

On 2/4/16 I emailed Mr ** that January payment was made in which he replied ok. On 2/12/16 I called and left message to Mr ** asking when we were closing. On 2/16 once again I called and left message along with a email requesting a call back about closing date. Again on February 18, 2016 I called and left message and emailed about closing date with no reply! Again on February 22, 2016 called and emailed Mr ** about closing with no response. Finally I emailed again on February 22, 2016 asking if I need to make February's payment in which he replied, "Yes, we are not closing this month." I then receive a letter in the mail from Carrington Mortgage that my application was denied due to late payment history.

I have never been late in my 30 years of owning homes!! February's payment was made the next day and they charged me a late charge!!! They also have put on my Equifax Credit Report that I am past due 60 days which is false. I believe this company committing fraudulent acts in order to foreclose on properties. I have refinanced homes in the past and NEVER dealt with such unorthodox practices in my life! I am requesting they remove this from my credit report and receive a letter of apology for putting me and my family through such turmoil!

Our first bad experience was with their website. It seemed that the site never remembered our password and would lock us out so that we had to request and create a new password. Since then we have had several issues with the site. I logged in and made a 1/2 payment because I would like to make a 1/2 payment every 2 weeks to cut down on the interest. 2 weeks later, I logged in and attempted to make the other half, but it showed that I still owed the full amount. Confused, I called Customer Service and was advised partial payments are not accepted and the money was in a holding account. Strange that I was not notified. Luckily the rep moved the funds to the correct account for me.

The next issue we had was when I attempted to make a principal only payment. I clicked the box to make a full payment (as that is the only type of payment that is allowed) and then entered an amount in the apply to principal box. When I clicked GO I received an error saying that I cannot submit more than what is due. So, how in the world does that make sense? So I thought, well OK, let me submit this payment and I'll log back in and make a principal only payment. I logged back in and was given the error that I can only submit 1 payment a day... OK. So the next day I logged BACK in and attempted to submit a principal only payment, but it wanted the next month's payment which would be not be due in over 45 days. There is literally no way to make a principal only payment online.

I called Customer Support to voice my concerns and was notified that they are aware of the issues customers are having with their website, and their technology team was scheduled to have a meeting that day in regards to the issues. She advised that I can make a payment and include a principal payment if I pay after the 3rd. I advised that that does not make sense since payments are due on the 1st and the whole reason I am paying extra on principal is to beat the interest.

She advised that I can send a payment to an address in Anaheim, CA to pay principal, so I said I would do that and look forward to the upgrades being made to the website (I will not hold my breath). I went online to confirm the address and lo and behold, that address and information is not listed anywhere. Not surprised they make it as difficult as possible to pay extra principal. How is that legal? In case anyone needs it the address is as follows: 1600 Douglass Rd. Ste 200B Anaheim, CA 92806

I made several phone calls over the course of the next few months to their customer service department and was basically told by everyone that they were sorry for the error, but until they received a refund of the difference from the tax department, I was responsible for the higher monthly payments. I told them on every phone call that I would absolutely not pay the difference for an error that they made. For the next 2 months, I sent a check for my normal monthly payment, as well as a letter to their complaints department explaining again that I would not be paying the higher amount. After 3 months, I finally received a letter stating that the issue had been resolved and that my payments were back to normal.

I had been considering refinancing and just happened to receive a call from a Carrington representative about possibly refinancing with them. When he sent over the documents, there were several items in the paperwork that were not accurate. When I asked him to fix the information and re-send, I was told to "just go ahead and sign everything" and he would take care of it later. I also told him when he initially sent the paperwork that I wanted to take a few days to review the information and to make sure it was the best move for me to make. He then proceeded to call and email me multiple times per day pressuring me to sign the paperwork right then.

I obviously decided I did not want to refinance with Carrington, but found another much better option for refinance with another company. The new mortgage company had all of the information they needed for me to move forward with closing except, shockingly, the payoff information from Carrington. The lady at the title company said she had tried calling Carrington everyday for nearly a month to get the information to no avail. It was only after a 3-way call between myself, CMS, and the title company and us basically demanding to stay on the line until the paperwork came through, that we actually got what we needed. Now I worry about getting the nearly $1,200 in escrow that I have with them back. This is by far the WORST company I have ever had the displeasure of dealing with. It boggles my mind that they are still allowed to operate. Just terrible.

I called customer service they said there was nothing I could do. I asked to talk to someone in charge. They refused to let me talk to anyone. After much insistence they transferred me to a voicemail. I called several more times. Left 3 voicemails for a supervisor who never returned my call. The last time I called they left me on hold 30 minutes then hung up on me. My loan was sold to them by Chase also. They do not even deserve one star. I do not know how they can get by with this fraud and illegal dealings but they have.

Then I called later, on February 1st, only to find out that the operator working on a Saturday, was the only one in the office, and couldn't transfer me to a superior. Nor, were the numbers given the first time around correct, in as much that I was told that there were only "7" numbers given. How can that be, once again this was witnessed by two other people? Then the second attempt was invalid because it contained "13" numbers! How in the right mind of anyone entering numbers in a field, or any professional database interface allow for more numbers than is allowed for routing numbers and the account number? Not mention the fact that I too, experienced my user handle invalid from one month to the next.

Moreover, my loan number changed supposedly from a temporary code to its final form. I was told by this operator on the 1st, that after 3 attempts is when the penalty of not being able to file for automatic ACH is supposed to occur. Instead, it happened to me on the 2nd failed collection attempt. The previous operator that day was really rude. GET NAMES! or something. Operator ID's! The string of failures just gets my blood boiling. I was told on their site is a ACH form, but their interface isn't so easy to navigate.

Then to top it all off, payment history. It shows that the 'attempts' were there, but really, you should post successful withdrawals/transactions. I have a .pdf from their document portal that shows a payment 'attempt' on Jan.11th, but only to learn later that it too was rejected, and that now, I'm with a derogatory remark due to it being 30+days. These fly-by-night cyber hacks need a serious lesson, we should somehow all join in on a class-action lawsuit.

Today, I tried it again but got stuck on a page which said something like, "Sorry, unable to process your request right. Try again later." I called the CMS customer service and spoke with a nice lady named Desiree. She instructed me to keep trying because even they run into the same traffic due to their slow servers unable to keep up with all the internet traffic. I tried many times while still on the phone with her, but no luck. She then asked her management to waive the over the phone $5 fee in order to take my additional principal payment. Her management obliged and she tried to take the payment only to find out that I had a restriction on my account due to a bank routing number being entered wrong.

She took down my banking information and said she had to email one of their departments to remove the restriction. She instructed me to follow the same steps later as the removing the restriction usually only takes about 30 mins or so, and I should be able to make the payment. I did as instructed and this time made to the payment screen. I entered my information as required. I then got the same error message that others received (see the attached). I then called CMS again, and spoke with another nice lady named Jen who informed me that this was something that they were working on and had been since she got there which was about a month ago. I asked for an estimated completion date and asked to be notified when it was fixed and said that I found it very upsetting. She told that she was very sorry for me but was given no additional information about the issue.

Doing a quick google search led here and I can see that some people have been dealing with issue for over five months now. I feel that this issue should have been long been fixed given its history and feel that it may be a way generating additional profit via interest. I am tempted in mailing a form request (which they only take through snail mail) to increase my monthly auto-draft principal payments but after reading the complaints on here, I fear that messing with their accounting system may cause me more hassle than it's worth since the auto-draft has worked fine since Oct of last year.

I set up my online account but only got a message saying "There is a problem with this loan. Contact us". Finally in January I got a very short letter from CMS telling me our account number but no address for payments. I called and got an address. I set up my bank's bill pay to send 1/4 of the payment every week. I logged into CMS site, still can't see my loan so I call back again. They don't show any payments. I give them the cashier's check numbers, dates etc. They say they'll look into it. I never get a call back. I call back again after I get my tax bill asking if they paid it. They tell me that $478 was paid in November by BofA. I said our tax bill is $3,200! Oh well email it to us. OK I email. I call back 2 days later. A different person tells me that they don't have an email address and tell me I have to fax it. I fax it, then I call a week later. Nope no record. Jesus Christ! So I fax it again and call immediately afterwards. Suddenly they find it.

I contact our town treasurer to make sure the payment was received and she says NOPE. WTH? Now I call yet again and ask why I'm not getting monthly statements. They tell me because we're in chapter 13 they cannot send out a debt collection letter and that's what a monthly statement is. I tell them "Send me the damned thing anyway. How am I going to know if my payments are received if I don't get a statement?" They tell me the website. I say I can't see jack on the website other than "There's a problem with your loan." Bottom line, we were up to date when the loan was sold in December. The statement I got from Carrington shows that our payment is $13,000 and we're 6 months behind. I don't know if our taxes are paid, if my payments are received. I ** hate them. HATE THEM.

After talking to neighbors and friends that were also customers of Chase, I learned that our situation was not an isolated incident. I looked online and there were 200+ complaints about Carrington and they most ranked them a one star out of five. I have never been late on a single payment with Chase, so why would they subject my family to this craziness? My warning to all that are considering being financed through Chase, enjoy it for now because the headaches will start once they sell your mortgage to a lower, incompetent company that will bleed you dry.

This has been going on since they said that they lost my Modification papers back in April 2015 or maybe earlier and have to rewrite this. I qualified for the modification program, paid pre-trial monthly premiums and after I paid these for months, my bankruptcy judge got involved but Carrington (BAC really) states they can't speak to me or give me the runaround. And I keep getting conflicting info from the rank and file. I have been paying what the judge has ordered but I'm afraid they will foreclose on me after my protection of Chapter 13 ends in September. Can you give some assistance?

When I called I was told that since 2013 tax changes, they are not required to put those amounts on the 1098, only the interest. I was told I need to contact the county tax assessor's office to get that. SOOOOO, YOU PAY MY TAX but you won't tell me how much or when?! I was then told that they can verbally tell me the amount, but won't put it in writing. WHAT??? I am sorry, but I am not sure if Chase spoiled me by giving me the amounts that they paid from MY escrow account, but why can't CMS provide this information? They are the ones paying the taxes, and yet they can't disclose that to me??? Why is it so damn difficult to get the amount? My first experience dealing with them and I hope the last. Would be nice if they sold my mortgage to another company. Preferably back to Chase, or BOA or any other company that actually provides decent customer service and won't get all pissy with you when you ask where they spent your money!!!

Our current statement from them showed more than enough in our escrow account to make insurance and tax payments. We were paying in to the escrow account with every monthly payment... and yet being told our homeowners' insurance was no longer in force. Our local agent was not any more helpful. They said they probably "should" have called us when they were told our policy was canceling "but they did not". After MANY phone calls (all documented) with many different reps, Carrington had nothing to contribute to helping us out. I maintained that they had botched the hand-over from B of A, and failed to pay the premium(s) on our policy.

After several weeks of going back and forth like this, Carrington proved to us what we consider to be consciousness of guilt. They backdated a lender-placed policy, which covered our date of loss. Our local insurance agent told me policies "could never be backdated". So, while this was "something", it is far from enough, because lender-placed policies ONLY cover the roof, floor, and walls of a home -- not the contents. AND it only covers the replacement of DAMAGED areas. For example, the water damage (at that time) only involved about half of our kitchen... we needed replacement of floor, cabinets, and countertop. But since only half was involved, they expected us to accept payment for only half. In other words, we were expected to leave half the kitchen as it was, and that the other half would be new.

I argued with them endlessly for weeks, as well as their underwriters. As "proof of insurance", Carrington sent us a one-page sheet with very vague coverage language. The bottom of the page indicated we should contact them for the "full policy", but everyone I talked to at Carrington said they either didn't know what I was talking about, or that they "were not allowed" to send us the entire policy. Carrington sent us a check last fall for approximately half what it would cost to replace all. We sent a three-page letter by certified mail to Carrington's escrow department, loan servicing department, and insurance department, and to our local insurance agent. No response. I considered the possibility of engaging an attorney to help us with this, and have plans to make a report to our state Attorney General and Department of Insurance. But in spite of all that, my husband and I decided we just could not carry on living with half a kitchen any longer...

It has now been over six months. A huge area of the countertop was taken up with items from the lower cabinets, and all the pots and pans were stored in the guestroom. We cashed the check they had sent us and believed somehow we could scrape together enough to redo the whole kitchen -- albeit modestly. We started demolition of the kitchen this past weekend. What we've discovered is the stuff of nightmares. The Sheetrock behind any of the affected areas was COVERED in dense black mold, as well up higher on some of the walls, and the subfloor under the tile is disintegrating. There's now a huge "cavern" in the floor. Even the floor joists are streaked with huge amounts of mold. We are devastated.

If Carrington had dealt with this properly, they would have immediately sent out a professional to assess and mitigate the water damage back in July. We have received an offer for NOTHING... in the way of mitigation, assistance with costs for loss of use, or -- now -- uninhabitability. I could go on and on, but you get the picture. I'm choosing an attorney even as we speak.

On top of that, they don't provide any email correspondence proving payment was made, so you better print the confirmation page if goes through! I should be doing this complaint on Bank Of America for selling my mortgage to them, but BOA was a great servicer and I miss them terribly! If anyone organizes a class action lawsuit against them for any of these reasons, I will be the first in line!

We are almost ready to go to our State Attorney General and the Attorney General to file complaint for emotional abuse and financial exploitation of the elderly and a U.S. Veteran. We would really be interested to know if anyone is pursuing class action suit out there. This is a sad situation when a business can sell off its loans to a mortgage server without properly informing the homeowner. Then all the complaints about CMS - it's simply uncalled for. Bottom line THEY WOULD NOT GET EVEN ONE STAR except the system won't allow you to exit unless you mark at least one to rate your experience. (I tried to leave the stars blank and I would venture to say I am not the only one).

Now, I am currently fighting their tax division because the title company paid the taxes and because of what I went thru on the payoff, they paid the taxes also. My county says they sent the tax payment back on 12/7/15 and their tax company still insists they don't have it. This company on both ends is awful. I can tell anybody and everybody I know to stay far away from this mortgage company.

What Carrington Mortgage did was unbelievable. Instead of applying the extra payment towards the principal they keep holding it and keep pushing it as it was early payment for the coming months. All this time I have called them and told them to apply toward to the principal. After three months they say they did but my principal was not lowered as it supposed to. I do not understand what they are doing? Since then I have paid them $5323.63. My principal is not lowered as it should be.

I am still calling - one person said it was applied to the escrow because it was short but a day before I have spoken a lady called Sonia. She told me, there is an escrow shortage of 584.85 but nothing was increase on escrow so far, because my hazard insurance will renew on March and tax was done on September so I do not understand where is that come from? And they already increase on the monthly payment for the tax, but different people said different thing but where is my money go? Did they make me pay interests while I was paying them full amount twice in a month? No answer for that. Who knows even the way they calculate is confusing me. When I compare to mine there is a huge difference but they cannot explain and give clear answer. Instead they telling me they are experts of mortgage. That don't help my worry. Where is my money go?

I paid off my loan in June of 2015 and have been through nothing but hell with this company. I originally called in to see about the deed and how I would obtain it now that my loan is paid off. They told me that they were not able to speak to me and that they needed authorization from the owner (my deceased grandmother). I explained to them that I had been paying the loan for the previous 3 years and I had been quick claim deeded the property. They stated that they would have someone call me back after they review the documents (never received a call back).

A few weeks later I received a check for my remaining escrow that was addressed to the incorrect person so I could not cash or endorse it to the taxing authority. I called back on several different occasions and got the runaround (most didn't know what they were talking about). I have asked several times to be transferred over to the escrow department and was actually told "we don't have an escrow department." Over the next few weeks I tried calling and sending faxed request (as directed to) and have not once received any type of clear communication.

Yesterday I tried one last time to contact Carrington Mortgage before seeing my attorney, it was the worst customer service I have ever received. The customer service rep sent me over to Title claims department which directed me over to insurance department which then stated they knew nothing about escrow. I finally got connected to the escrow department thinking that I finally would get some answers. Boy was I wrong!!! This rep name was either Kim or Pam, she refused to give me her name clearly after I asked for a manager.

I started off the conversation very nice and explaining everything to try and get her to understand what I needed. She told me she needed a password from me (which I never created) and I told her I never created a password for phone calls.. I asked to speak to a manager and she refused. She said she could not give me a contact because I don't have authorization to speak to her. I told her that I needed this situation escalated being that my taxes are due and if I don't get a manager's contact I will be making a complaint. Her reply was "go ahead if that's what you want to do then do it." I was shocked!! I asked for her name and she mumbled her reply. I told her that "I really need to get this resolved because my property taxes are now due and I don't want to lose my home to tax sale because of your company." Her reply was "I need your password. I'm not going to argue with you" and hung up!!

I ended up having to get a lawyer and we are now taking legal action. This company is a joke!! None of the employees know what they are doing.. I have spoken to over 20 people at this company about the same situation. I have sent escalated faxes with no reply. This company needs to be shut down. I have never heard of any company treating their customers this way and I am in disbelief that this company is still holding business.

It's been three weeks and still don't know if they will waive it. My guess is no they won't. I have never been late in 20 years of making home loan payments. The way they do things makes me feel like this late fee will end up hurting me. My credit etc... I emailed Dept. of Veterans Affairs about them not letting us make extra principal payments. That was a waste of time. When will somebody do something about this company. Just look at the complaints. Something needs to be done.

After setting up my account with Carrington, I continued making the same regular, semi-monthly payments through my bank's bill-pay but to my new mortgage servicer's account. In September, I noticed that my credit score with two agencies dropped a few points. Logging into Carrington's website, I discovered that they had raised my escrow payment starting August the 1st by $130 per month. I never got this communication which is listed as being mailed out in late May.

Fair enough, I immediately paid the missing $130 and called to speak with a Carrington representative. I was told over the phone that the payment of $130 brought my account to current and that I could sign and mail in forms to start autodraft from my bank account on a semi-monthly basis. However, they require a voided check, which I haven't used in over 6 years and have none. Teaching classes on a regular basis and not having checks, I resolved to continue making payments through my bank's bill pay service increasing the payments by the new $130 amount.

During the second week of December, I was presented with Certified mail at my doorstep of their intent to foreclose on my home?!? They were asking me for 2 months of payment in their demand letter, to be received no later than 30 days from the date of the letter. I immediately began to research on their site and see that they are holding my payments for 45 days. Furthermore, their website is over 7 days behind with regards to posted payments. My credit score, which was outstanding prior to Carrington's involvement, has dropped almost 130 points! I investigated refinancing my home to get away from them, but I plan to sell it in 2 months, so lessening my equity would be foolish. This has to be the most disreputable company out there. I now have to deal with a "fair" credit score when I go to purchase my new home instead of excellent and have 2 late payments on my credit report. This will probably disqualify me for another VA loan. Stay away!

I went through the horrible phone music and got a girl who tried to get me to do the same thing. No Way!! I demanded a manager and she told me that the only way to contact them was through fax. She told me that my auto payment days were set up wrong therefore, I was paying one day late and that is why I got hit with the latest charge. She proceeded to tell me that this was the only time she could see that I was ever charged. I challenged that and demanded that I talk to a manager. 10 min later she puts Mike on the phone. He proceeds to tell me that he can't see any charges on my bill and that I wasn't charged for being a day late. OK!!! What the hell is going on with this company? IT STINKS and I am calling an attorney. I forgot, they also told me that no one would be calling me because they only communicate through fax machine!! What year is this?? They need to go down!

I was greeted by a nice friendly customer service rep who, after about 30 min of conversation, she informed me that we were liable for the April OR May mortgage payments while Carrington went through the transition process for our loans. I asked her at least 3 more times if she was sure and she confirmed that to be the case. What great news! Since I have been dealing medical issues, we used the money to pay off some mounting medical bills.

In June, we received a notice from Carrington of their intent to foreclose - WHAT?!? I was on the phone immediately, only to be informed that the information given out to new customers from BoA during the first week of April was incorrect and we were, in fact, liable for those payments. Well crap. So we scrambled. Since then it has been nothing but downhill from there. It seems every time we speak to a representative we are told that the person we spoke to last told us the wrong thing and now we have to do XYZ instead of the ABC they told us the first time around.

We eventually had to apply for assistance and were denied because they only look at Gross income, they do not consider taxes or expenses in the review process. I have asked repeatedly for someone to call me back, and no one ever does. Last week I was told that if I made a certain payment by the end of this week, all would be fine. Instead, when I called to make the payment today, I was informed that our house was in foreclosure and a payment couldn't be accepted. I explained to them I had the full amount and now they have to apply for reinstatement or some BS, and won't even let us know the process or the cost involved. Meanwhile, every single one of these conversations has come from me calling THEM - no one has EVER called me to talk about our options or lack thereof. WORST company ever - I don't even know how what they do is legal.

Carrington Mortgage, without any prior notification, or indication in Mortgage statements charged me an additional $15.00 fee for what they call a "Property Inspection Fee." When I contacted them about this charge, I was informed that any payment that has not been received by the 1st of each month is subject to this charge, as they will send someone out to confirm that the property is still occupied. This is the most ridiculous thing I have heard yet! Late fees are not added to most mortgages until after the 15th of the month. So how can this company justify any charges on a mortgage that is not late? I suggest that anyone who has their mortgage with this company to get out if they can.

Thanks for nothing Carrington. Bogus customer service rep lying. Then increasing paying by 10.00 on the month. I would like to put more towards principal. Just not gonna go through the hassle of contacting their gateway reps. I would also think it was my right to know when the exact month the pmi was supposedly be canceled. I feel like I overpaid and add reimbursement. Sad. Sad. As for customer service, you would be better off with a messenger service and people with some banking knowledge.

I notified Chase immediately and filed a formal complaint of "fraud" and told them this was NOT an authorized disbursement. I subsequently notified CMS. CMS Rep assured me that there would be no further unauthorized "Direct Pay" drafts made to my personal Chase account. On 11/18/15 I received a letter from Chase stating, in part: "...determined that the transactions were processed incorrectly by the merchant or were unauthorized..."

Late Saturday afternoon, 10/24/15, we received a letter from CMS (Postmarked 10/23/15 but dated 10/05/15) stating that "We have received and processed your monthly mortgage payments. Your first draft will begin on 10/08/15 (15 days BEFORE this letter was even sent) with your next payment due... Your drafting amount will be $2100 from you bank account number **." On Monday, 10/26/15 I immediately contacted CMS again and reiterated that we had NOT requested this Direct Pay option and certainly NOT for $2100/month... The payment due was only $1965.79. Again, I was assured that there would be no automatic deductions taken from my personal Chase account and that the letter was sent in error and "just ignore it!"

Letter dated 10/15/15 from CMS advising us that the "'Speed Pay' transaction, dated 10/07/15, ACH, in the amount of $2100 that was rejected for the following reason(s): customer advises not authorized", now "...must be in CERTIFIED FUNDS ONLY". I don't think so! They fraudulently drew this money out of my personal account after having already been paid. This should have absolutely no bearing on HOW we pay our mortgage as long as they timely get the proper amount each month! I conveyed these feelings via Certified Mail.

Well, on 11/07/15 CMS once again made a claim for another $2100 from my personal Chase account, when in fact they had already been paid $1965.79 on 11/04/15... AGAIN causing an overdraft to my personal Chase account and prompting me to file yet another a formal fraud claim with Chase Bank AND notifying our attorney of this mess.

Received a letter dated 11/07/15 informing us that we were now required to provide Flood Insurance. We've owned this home for the past 25 years and have never had to carry flood insurance. However, I understand that the county in which we live has been reassessed and is now within a designated flood plain. In this letter CMS said: "If you do not respond to this letter within 45 days (or 12/22/15), we will purchase flood insurance and charge you for the annual premium in the amount of $1943.28..."! REALLY! After confirming that we are now considered within a flood plain, we immediately contacted our Homeowners' carrier (AAA) and purchased a policy for and annual premium of $470 - that's a $1473.28 difference! Can't help but wonder how many unsuspecting homeowners fall for this scam!!

We received a letter dated 11/18/15 from CMS advising us: "...your CMS DirectPay has been cancelled... You will be responsible for sending your 12/01/15 mortgage payment and coupon attached to your monthly billing statement..." And yet another letter from CMS, dated 12.02/15 (in big bold letters) "SECOND AND FINAL NOTICE OF REQUIREMENT TO PROVIDE INSURANCE" - By my calendar, we had until 12/22/15 to provide this insurance - We bought the policy on 11/13/15 and AAA sent the Declaration of Insurance, which becomes effective 12/13/15, directly to CMS! On 12/07/17 I again sent them a copy of the Declaration (via certified mail).

Bottom line: This company doesn't know their right hand from their left and the fact that Chase Bank sold our mortgage to them, a "debt collector" of all agencies, flies in the face of common sense and good business practices! Never have we been late with even one mortgage payment (or to any lender, for that matter). Since this is a 15-year, fixed rate, VA Loan, it's my intent to also file this information with the Veterans' Administration. Companies as inept as this one should not be allowed to hold paper on any mortgage, much less a VA Loan! Should photos of all correspondence be needed (and it voluminous), please let me know and it can be provided.

Anyway, upon starting my payments to Carrington, I discovered there was no way to add extra money to your principal payment each month. Weird. Then a couple months later they DID add this feature to their payment system, but guess what? It doesn't work. I've called Carrington now for three months in a row, asking why I can't pay additional principal through the Internet. Each time I call, they claim "We're aware of the problem, and it's being looked at and fixed." And now, three months later it STILL doesn't work. Which leads me to believe that for some reason Carrington doesn't WANT it to work. They say "You can pay extra principal over the phone, and we'll be kind enough to not charge you an extra fee", banking on the notion that most people aren't going to literally call in their payment. And how very, very kind of them to not charge me a fee because their own Internet payment system doesn't work.

Something stinks here, and I wish regulators would get on Carrington and ask why their payment system doesn't allow for extra payments of principal like every other mortgage broker in America. Oh, and their customer service page says you can email them, but good luck finding an email address. As far as I can tell, they don't have a customer service email address nor do they have an online contact form. You can either call them or write a letter. It's all very 1995. At least they haven't screwed-up any of my payments yet, although I suspect there is still plenty of time for me to be disappointed in that regard, too.

I suspect I'll just refinance soon. I didn't want to have to do that, 'cause it's a hassle and I have a fairly decent rate (4.5%) now. But if I can get 4% or lower, I may just go ahead and refinance for the sole reason of ditching Carrington Mortgage Service. This is one of those mortgage companies where you just know the people running it are either incompetent or evil. Sometimes it's hard to tell the difference. My next steps? File a complaint with my state Attorney General, then start mortgage shopping, then pray my new mortgage never gets sold to Carrington.

So since we were not able to close because of him we were supposed to get back our earnest deposit. We could filed the proper release forms given to us by our agent which we was sent through certified mail and to this day we have not received our money. We informed his agent and she said that's not up to her, our agent backed out, along with our loan officer. We have 4 kids and I am disabled and can not work. Can someone help us please. We spoke with several lawyers whom told us it's a waste of time because of their fees we will come out with nothing.

Then I called to see about re-financing to a 15 or 20-year loan with a lower interest rate and no MIP. The reps told me I would have to pay off at least 25% of the loan in order to remove the MIP, and that I needed to own more than 25% of what I paid for the house, not the house's current value. My house has appreciated at least $40K but they were not interested in hearing that. I was told to fax my request to the Carrington Escrow Department at ** and would hear back within 4 weeks. I attempted to fax my request 17 times, all failed. I called Customer Service and was told there was nothing more I could do. I asked if Carrington is interested in retaining my business, and the rep's reply was, "I'm sorry."

At that time, I found another lender and decided to pay down my principal in order to transfer to any other lender. I pay online and attempted to pay the additional amount, but Carrington won't allow that! The first time I was allowed to double my payment. After that, I have not been allowed to make any additional payment. This company is like nothing I've ever dealt with before. How can they just make up their own rules?

Please read, talk to this person everything suppose to be taking care of. Oh I'm sorry I didn't read my notes. I hung up and left a message with my contact person. Call several times, still here it is 1:46 haven't heard a word. BOA sell our property with these companies without consideration. I have been with three companies since I bought the house. No late fees or any issues. But Carrington is so disorganized and lack of communication with people that I have many concerns about this company. But yet if we use their system to pay we have to pay late fees and the system. I don't see how all of this was my Lack of communication.

When I called Carrington back and showed proof they told me it was for an appraisal that was done on my property, which I never knew about nor agreed to. Since then they have raised my mortgage payments and this month slapped me with a late fee, even though I make automatic payments every month that exceed my minimum due. In the 7 years I've owned my home this is the first time I have ever received a late fee. I find it impossible because it's paid every month on the same day AND it doesn't show up on my statement. Very unhappy with this company. After reading similar complaints I truly believe they are unethical in their business practices.

We talked with the lawyer and they said we were screwed if we didn't pay them because it shows we have payed in almost a year. They would not take a lump sum from us only this repay deal that had the payments too high and late fees and their lawyer fees. So after all said and done we ended up with a check 3600 dollars only after I sent the White House and FHA about 100 letters. Someone from the government called them because they asked me "who do you know in the White House?". I couldn't believe it. So like magic I thought everything was settled and done but it wasn't and still isn't. They haven't reported to the credit bureaus in 14 months taking my credit score from a 770 to a 510. Now all new fight begins...

How do they stay in business? I think there needs to be a huge class action lawsuit against them. They now claim we are 3 payments behind (counting late fees transferred from BOA as a mortgage payment) and are trying to foreclose on us. We have 2 payments scheduled to come out at the end of the month but I am sure they will have some BS excuse and won't be able to take them and all of a sudden need a third payment. $6000 is hard to come up with when I have been out of work for 6 months because of surgery, having a baby then returning to work only to be knocked down to part time.

First, I have never attempted nor have I made more than one payment per month. Secondly, there is nothing that I could find ANYWHERE on the website saying that any additional amount must be $100 or more. This is what the disclosure reads: "PAYMENTS AND FEES. This Website is for Carrington Mortgage Services, LLC accounts only and allows users to make payments from $100.00 to $10,000.00. Commercial Funds Transfers may entail different payment ranges for authorized business users. Where applicable, a convenience fee may also be added to your payment amount." The total amount of payments has always been the minimum amount of my scheduled payments of $395.00.

I see from my reading here that I am certainly not the only one to have this experience with Carrington Mortgage Services. Their website also says that they may be contacted by email. They, however, do not list an email for customer service, rather, the only email contact information listed is for a CMS customer advocacy group. Despite the claim of "You can easily reach a loan counselor, customer service representative, or other key CMS resource via phone, mail, or email. Simply choose the method that works best for you." at the top of the contact page. My own conclusion is that they have made it extremely difficult and complex to make any additional payment towards outstanding debts for those unfortunate enough to have had their mortgage sold to this company. I will be forwarding my concerns to the State's Attorney General office.

We made the payment we had always made in July, thought everything was fine 'til we get a letter that we are two months behind. On July 24th we called and spoke with their customer dept. They said our payment was not the right amount and that it was in a suspense acct. We needed to pay 76.86 and they would take the 50.00 late fee off and release the funds. They wanted us to do their speedy pay for 15.00, we said no we would do our bill payor that day, which we did - it had to be to them by July 31, they say. They did receive it 'til the 1st and send us as being 30 days late to the credit bureau, which has hurt our credit very bad. We can't get a refi because of it.

I sent them documentation from bill payor that it was in their PO box at 4:02 am on the 31st and that was not good enough, they want a tracking number which cannot be supplied. Also when they say your payment is in suspense, that just means they are not applying it to your loan because they cashed the check on 7/7/15. That doesn't seem right. In August we made the payment they had said just to be sure then we get an escrow saying our payment had went down.

It took from May 'til August to get another escrow done, so the extra we paid on that payment they say went to the late fee for July that their customer service person said she was taking off. They're not there to help the customer, only to make everything difficult and hurt you any way they can even if you show them proof. I will not stop 'til I get our credit report corrected. They are in the wrong and I will prove it one way or another. A class action suit sounds like a good start and I plan to go all the way to the top with this.