Carrington Mortgage Services Reviews

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.

That's not my primary concern. My primary concern is that apparently in August they revised my escrow amount. The new amount was due September 1 but I was not notified. I did not find out until I got a late payment notification in late September. I called Carrington and they told me that the escrow had changed and that I owed an additional $65 per month. I let them know that I had already put in for my October 1 payment and that I would IMMEDIATELY send them a check for $130 which was the difference for both September and October. They received this on October 10. However, on October 14 they filed a past-30 day inquiry on my credit!

I called and complained and was met with nothing but rudeness. I got a fax number to send a complaint which I did. A few days after sending my complaint, I got a check in the mail for OVERPAYMENT of escrow in the amount of $313!!! These idiots cannot make up their mind if *I* owe *THEM* money or if *THEY* owe *ME* money. Total stupidity. Of course my complaint was "researched" and they "found" that what they reported to the credit bureaus was accurate.

The fact that it was underpayment and then overpayment and underpayment and so on does not bother me. While that's aggravating and stupid on their part, it is the fact that, while they felt that I had underpaid, they filed a negative remark on my credit. Which was immediately followed by a "Oops, we screwed up and you overpaid, here's a check for the difference." But the damage was already done on my credit. Carrington Mortgage Services, you guys SUCK and I will be taking my mortgage elsewhere to avoid any future stupidity on your part.

I did call today and they said I could use the extra payment button and it would go towards principal reduction automatically. They said they are making changes in the system. We shall see if it works correctly next month! When calling customer service the answering message is complex, the code for speaking to a customer representative is #8, very far down on the list! At least I was not placed on hold once I got the correct code selected...the representative was nice. However, I rate CMS a very user un-friendly company!!!

I asked if I could just make the entire payment on the phone without a fee and was told no, they aren't allowed to waive the fee. Why should I be inconvenienced by their substandard service? Judging by all the previous reviews that I have read, I don't believe this is a technical difficulty that just developed. If this continues, I am wondering how many would be interested in a class action lawsuit?

Carrington has had our loan since March of 2015. We get a certified letter from them which reads "Intent to foreclose" because they say we are a payment behind. They have sent us nothing through the mail stating that their records show that we are behind a payment. They also said on the phone that our payment went up due to insurance premiums. My husband has called them and has spoke to three different people - all of whom have three different responses to his questions. One guy even said he didn't see where we were late and didn't understand why we received an intent to foreclose letter. How do they get other banks to sell them anything, and how can they foreclose on something that isn't late?

I was forced to quit working because I was unable to keep up with the demands of driving semi truck that I owned. Sold it and paid off a couple bills. Found a local job and was fired because I was sick. Then next week social security approved me for disability. I have had fibromyalgia for thirty years and always had been able to work as long as I got rest and kept my stress level down.

When Carrington MS wouldn't give me a HARP modification so I could keep my house so I wouldn't lose all of my investment was devastating to me. Today was suppose to be a sheriff sale and they pulled it from the docket. So they are still causing stressful situation to me. I offered them 47,000 in June 2015 and today it was being offered for 36,000. When my attorney made the offer they never even responded to him. That's when I had to file bankruptcy.

When I was trying to get the modification done they told me to call USDA rural development, Carrington claimed it was USDA was turning it down, USDA said they only guarantee the loan through Chase bank and for me to call them. I called Chase bank. They said they didn't have anything to do with the loan, I had to call Carrington. Called Carrington again and was told they didn't know anything and didn't even know who I should talk to but would get back to me when they figured it out. Never did call me back. I am still on the title of the property. No one seems to know who owns my house now. My real estate agent can't get any answers either. Hope you guys can help me get my house back at the fair market value since I bought it just before the bubble in real estate collapsed.

Today receives a letter that their payment is late. None of money can go toward payment, can go to balance of loan til a lawyer signs off on it. My son's money sits in the suspense acct. not allowed to be touched. They refuse to give us the lawyers name for us to contact him! Even though they paid & on time they are also charged a late fee!!! This company is horrible and we are going to hire a lawyer for our son and sue Carrington Mortgage! We will bring everyone that we have first + last names to court also!

Then if you have issues and pay by check or online payment they will not guarantee pay will process in 3 days which could make you late. BEWARE OF THESE PRACTICES. THEY ARE CROOKS AND MAKE IT HARD TO EVEN PAY YOUR PAYMENT. With this being said I unfortunately cannot understand why on top of all this they expect you to change your password every few months. Oh and you're not allowed to use any of the last 24 passwords you have used. I mean come on who has 24 different password. If there is one person with 5 or less accounts that has 24 passwords please contact me as I am contacting ACLU and filing a proper complaint.

I feel our rights as Americans should at least include paying our bills without being charged a fee and if paid online should post and process same day.. I truly feel a class action lawsuit is in order. My 63 year old mother also got racked into the game and I would be worried about her if she wasn't tougher than me. Those people have no idea who's loan they bought when they purchased 250,000 loans from BOA.

In addition to that they claim my insurance is 987.00 and my insurance is 6-something and of course I have to repeatedly call my insurance company to request they send them "updated" documentation. I am not happy. I feel like I can’t keep up with the mortgage payments, they just keep adding more to it. One thing to keep in mind is that when I bought my home it was valued at 169K and of course taxes would have been higher and my payment was not this high. Now my home is valued at 85K and I am paying much more. Why?

My buyer and I had to get their Executive VP involved to get any action. It still took in excess of 60 days to close. Carrington actually asked the buyer twice for the same documentation. As the house was for sale by owner, my attorney had to charge me his full fee of $900 because of all the back and forth with Carrington. Carrington never returned his calls and never returned the calls of the title company. Completely and utterly incompetent.

Well, imagine my surprise when my escrow payment was increased by $175 a month! We will have paid an additional $2100 this year alone ON TOP of what our normal escrow payment is, which covers everything coming out of my escrow and has for years before this company bought my loan. I was thinking about doing my own taxes and insurance and not paying it out of an escrow account until I read some other reviews of how Carrington will charge you regardless and won't refund any money you've put in escrow thus far. I'm at a loss at to what to do. But if you get stuck with Carrington and can, refinance as soon as possible to get away from them!

We are also not happy with BOA, it looks like they and other banks have sold a lot of their assets to this company and did not require them to provide at least the same level of service that we were receiving prior to our mortgages being sold to Carrington. I believe that some of their practices are illegal and unethical but unfortunately it may be a few years before we hear about a Class Action that holds them accountable. We are completely in the dark concerning our escrow account now and we already know that we can expect additional charges in the future with this company unless we can swing a refi. We really expected to be with BOA for the life of our loan but like you guys we see that they sell our loan anytime that they want to.

These people have no clue how to run a mortgage company. If you are not going to charge late fee until the 16th of the month why are you sending foreclosure notices for the past 2 months? I have NEVER EVER missed a payment. Never. A few days is NO REASON to be threatening foreclosure. You people are idiots.

I told them to reverse it since I had until the 16th to be considered late and the payment was made on the 3rd of this month. I'm supposed to call back if I do not see it reversed in a few days. Then I wanted to talk to the escrow dept. to make sure the amount were correct and to inquire about the Analysis Refund. I was informed they do a review of Escrow twice a yr. and by what they calculated I had too much in there. I told her that I hope so, since I would not be paying for any shortage at the end of year due to the problems with my account. She advised me to not do that. I said too bad I have been trying to fix this since May! I will see what happens next.