Carrington Mortgage Services
Reviews and Complaints

On 05/01/2023 carrington mortgage offered myself a lower rate and and equity loan on my house. They carry my loan for about 10 years now. So I decided to take the offer and I spent $2500 getting house insurance and $700 on house appraisal and house insurance for $1000. And I paid my house taxes for $1800. Matt the original loan guy said I promised this will go thru or you guts could sue me. My mom is widowed and she met all requirements and on 05/31/23 she signed the closing paperwork with a disburment date and they congratulated her on her new loan and she was expected on 6/8/2023 to have her money in the bank. They had a disburment date and everything was good to go. Mind you they offered us the loan now they said no. Is thus legal. I have all my loan paperwork if needed.

Our loan was transferred to Carrington in September. The online system would not take my payment until 9/30. I paid 1900 for a 1300 payment.

I called around 10/10 to ask about payment. Was told part of the payment need to be reversed it was in held up in the system?

I paid another 1900 on 11/9. Also told the 2 overages would make and extra payment. The one they are claiming is late?

Called several times in November to try to get this worked out. 11/1, 11/9,11/21,11/29. On 11/21 they told me the reversal was denied because their was nothing late to apply it to? on 12/2 made a normal payment 1300.

half of my payment is held up in their system saying it has nothing to apply to. Received my statement in the mail says I owe 2598 and my payments are late.

Called again 12/5 spoke to 5 different people all trying to figure out what is going on. Each telling me they do not have the authority to fix my problem they will send it to management. During all of this I have emailed their supposed Customer service complex issues department 7 times and have never heard a word back from them. .This is VA loan with very low interest and we have no choice but to stay with these people at this point.

They have ran or escrow analysis twice and each time the numbers don't match. When I ask about that they just say well that's what it is. No explanation no way to fix it. I also receive notices to foreclose letters every two weeks. If I don't make my account current.

In early September I applied for mortgage relief services through Carrington Mortgage. With me being a disabled veteran, I was awarded a loan modification with the Veteran Affairs covering not only my past due balance of 17000.00 but an additional 19000.00 to add to my overall mortgage loan balance. As of today, November 14th, 2022. I am still receiving past due mortgage statements, saying that I have a past due balance of 14,483.80. I have called Carrington Mortgage Services repeatedly over 4 times to ask what is going on? The multiple representatives that I have spoken to continue to inform me that the Supervisor is aware, and the money will be applied, and your account will be updated. As of today, they have failed to update my account which in result affects my credit score tremendously. I am not for sure why the lump sum of money hasn't been applied to my account other than in my opinion someone has pocketed the money that was awarded to me. Theft. I will be contacting the Veteran Affairs Department to give them an update on what is going on with the money that was awarded so that they can conduct their own investigation. To anyone who is considering doing any business with Carrington Mortgage Services, Please Be Aware! This is a very unprofessional, horrible company.

I refinanced with this company Feb 2020. A year and a half later I received a tax delinquent statement for $117 from tax year 2020. I immediately contacted the company and forwarded the information. I was informed it would be taken care of. I heard nothing until last month when I received a statement from the tax office that our property would be listed in the newspaper 8/12/22 and house would go for tax sale 9/12/22. I immediately contacted Carrington. There were at least 10 calls, speaking with representatives who said they would"escalate" this and contact the tax office, blah, blah, blah. I didn't hear back from them despite my recurrent calls. I paid the delinquent taxes, so as to save our home. Then, 1 week before it was to be listed in the newspaper, I get a call stating they contacted the tax office(why so soon?) and there was no delinquent taxes and that they(carrington) received a refund check of $7.44, so there's nothing that has to be done! What [censored]s! Of course they were supposed to call back in 24-48 "business hours" to speak with me, and despite the supervisor leaving the message just noted, they supposedly called back some bogus number and couldn't get in touch with me. I asked them for a company email so that I can get some feedback, and leave feedback, and was told they don't have a complaint department! Imagine that! It was probably overrun with complaints so they deactivated it. Nonetheless, I contacted the BBB, this site and as many other complaint sites I can find.Don't deal with this company.

They are saying this amount might be the responsibility of the previous finance company. If so, great, let me know. Don't just ignore this info for 18 months and allow our property to go to tax sale.

April 4, 2022

January 31, 2022

Carrington Mortgage Services, LLC

1600 South Douglass Road Suite 200A

Anaheim, CA 92806

Anthony and Patricia Palladino

39 Century Lane

Litchfield, NH 03052

[protected]

[protected]@yahoo.com

Loan # 60000*****

To Whom It May Concern,

We decided in September 2021 that we were in a good position with our mortgage and with the

amount of equity that we have that we wanted to refinance with cash back to do home

improvements and pay off some debt. We applied to a mortgage company in September 2021

for a refinance with cash back We were all approved for 3 5% no points and no closing costs

with cash back, until the company saw that Carrington Mortgage Services did not report our

mortgage to the credit bureaus. We reached out to CMS but to no avail. They would not refi us

because of this. We then reached out to CMS for a refi thinking that CMS holds our mortgage

therefore CMS knows the payment history. We were working with Lorena West, She led us to

believe that we would be refi with CMS. Lorena stated that we needed to “reaffirm” our

mortgage because we have a discharged bankruptcy on our report. We do not have a

discharged BK on our report. It is a dismissed chapter 13 which does not have to be reaffirmed.

We sent her a copy of the court document. Lorena, after many days waiting for a response, told

us that CMS could not refi us either because CMS itself does not report our mortgage to the

credit bureaus She then insisted again we need to reaffirm our mortgage I then sent to her.

12cfr202.6 section B(and the 6th) .evaluating creditworthiness . any information the applicant

presents that tends to indicate the credit history , can be considered. I sent a copy of my

payment history from CMS to Lorena from CMS. Lorena then asked for copies of our paystubs

and taxes. We promptly sent them to her and waited again for many days for a response. .

Lorena then asked for “non traditional” credit to be added to our credit report. We did all the

legwork, got this done and sent it to her, all the while thinking we are being refinanced. By the

time this all happens she reports to us that we are behind and she cannot refinance us any

longer. This is unjust at many levels.

We have had two bankruptcies, Chapter 13, on this mortgage Both of which had been

dismissed as we had modification agreements for both. The first was when Bank of America

transferred our mortgage to Carrington Mortgage Services. The escrow was improperly

transferred resulting in a deficit that did not exist. This took 2 years to resolve with the

assistance of an attorney and a BK 13, which was dismissed, not discharged. The second time

Patricia had lost her job and immediately we contacted CMS and a BK attorney. This situation

was resolved with a loan modification and a BK 13, which was dismissed, not discharged.

There was never a payment plan made to a trustee in either case. They were chapter 13’s and

they were dismissed therefore a “reaffirmation" was not necessary Under the Federal

Bankruptcy Code you are not required to sign a reaffirmation agreement for chapter 13 It is

exclusively for chapter 7.

We have a record of all our conversations with Lorena West as it was all via email.

Due to CMS not reporting our payment history we are unable to refinance not even with our own

mortgage company CMS

With all this going on, thinking we were getting refinanced, we did not make a payment and now

have fallen behind.

We are looking to get a refinance like we wanted from the beginning to get cash out for home

improvements and pay off debts.

We feel that CMS should have been reporting our mortgage these past few years and to

make reparations for this mistake we should be granted the refinance at a reasonable interest

rate and terms Preferably match the rate and terms, or better, that were offered to us by the

other mortgage company. We can provide these documents if needed.

We look forward to hearing from you.

Thank You

Anthony and Patricia Palladino

It Is now April. We were asked to submit additional information which we did promptly upon receiving the letters.

The last letter states that we had missing documents.

Upon speaking to 4 different representatives and being disconnected once, I was told that my banking account statements are still needed. This is incorrect I had faxed and emailed the last two months of statements. After an hour they discovered they do have the statements but they are my husbands. This is incorrect as well. Anthony and I have joint account.

Please review these documents and refi our mortgage as originally requested.

Thank you,

Patricia Palladino

[protected]

39 Century Lane

Litchfield NH 03052

This has been going on for one year, the insurance company left off several rooms when the freeze happens and created my house to flood. Months went by going back and fourth with the insurance company this has been resolved and has been sent to Carrington. I have left message everyday with Kim at ext 31717 since 02/18 I have received two vm during the day when I am with patients and cannot answer the phone I have left detailed message when to try and call me back so we can get this resolved. I called on Monday and spoke with a rep in the lost draft and was told everything has been received and the file was in the back office for review. I then call backed today to be told a form was still needed when that was all faxed last thur and was told everything was received! I faxed the document and emailed and was told again it has been received. I have asked for a supervisor to call me today because this has been going on for WAY to long with nothing resolved and get pushed aside! I can be reached at [protected]

01-23-2002 our mortgage was sold to Carrington Mortgage located in Westfield In 46074 from Guaranteed Rate per John Perks located in Lake Zurich, Il 60047 in 2021. We have had many problems with Carrington. Mortgage, their employees claimed last Year is was straightened by sending us escrow money they have taken out being we have a VA loan with . This year 2022 I have received a letter from Carrington which stated ADVANCE NOTICE OF LATE CHARGES which states Dear Mortgagor(s) this letter is to notify you that your mortgage loan is currently past due for 01-01-2022 in the amount of $ 1013.92. If the payments is not received by 01-16-2022 a late charge in the amount of $ 40.55 will be accessed to the loan. After that date the total amount due including including the late charge will be $ 1.054.47, which may include any outstanding fees & costs assessed on the loan, Please refer to your billing statement for an itemized breakdown of the outstanding fees and cost.
I received this letter 1-20-22 which is dated 01-11-22 via usps mail.
I have called every day since 01-20-22 spoke to a Oylinda and Briana in the escrow department 2 times that day, the I spoke to a customer service employee named Kelly who told me we received a letter stating your property taxes increased. I asked how did you receive a property tax statement for 2022 when they do not come out till later in the year. All I was told is your property taxes are higher. She kept saying please listen to me and I replied please listen to me for a minute. We do not pay property taxes- my husband is a US Veteran we have a VA loan with CARRINGTON. WE ONLY pay a non add volorem tax which is only a little over $ 300.00 dollars a year, then I was told we now service your loan and I replied you just paid our non add vole rem tax in November which was $333.60. So the I called the Palm Beach Tax collector and was told we don't send out property taxes till much later in the year, the next day we went out to the tax collectors office they looked at the letter and said keep calling them being you have homestead and you are a 100% disabled Veteran and we mailed out the same card you have right here. I requested for them to do another analysis but it would take a couple of weeks. Kept calling then I found that they had a Military liaison on board at Carrington her name is Litisa her employeee ID was 9129 and said she requested the analysis ASAP. They told me it should take that much longer. But also note I told Litisa that we sure hope they apply January payment that cleared in my bank on 12-30-2021 and I already have a payment on our loan with you scheduled for the end of January for our February payment and I was told that she noted that and she was sure everything would be taken care of. I also told her If the payments we made are not posted they better hope they do not destroy our credit being we have excellent credit and why wouldn't the payments be applied anyway, we are never late on any of our bills always pay before they are due.
When you call Carrington they have a recording that says my phone number and that they are busy and I have gotten disconnected a few times, I always call back and eventually get through. It seems to me on all the reviews they are unprofessional and should not be allowed to put anyone through anything like this. I have been put on hold many timed while the customer service depart will ask the escrow department a question for me and have been told the supervisor said he's looking into it. I have asked why can't I speak to any supervisor in the Tax or escrow department- their reply is they are to busy. This is unreal that Carrington Mortgage is able to proceed with anyones loan. I also have told them no matter who I speak to that I will advise all of this information to the Veterans Administration.

We started a refi cash out loan application with Carrington Mortgage loan officer Brian McCourt and his supervisor John Parsons.. This process started in July 28th 2021 and it ended yesterday December 9, 2021. After several letters and applications and checking our credit score 4 times lowering our score, in Nov 2021 they had us pay $740 for an appraisal and they knew at that time they were not going to approve our loan. I contacted his Boss John Parson in August to complain about Brian McCourts behavior towards us then again in September, October and November. That's when we realized they had no intentions of approving the loan. They faked that we had liens on our property and after fours months of this lie they finally said they used the wrong names. They contacted an old creditor that couldn't file a claim against us and asked them to place a lien on the property, however this debt was discharged in a bankruptcy in 2017. The debt was over 7 years old. We completed 7 applications for reason listed in the letters below. We want justice! They did 3 hard credit inquiries lowering our score each time. Then yesterday the Loan officers drop my husband off the loan because he no longer credit qualify by 8 points and for us to pay our Bill's and he laughed. I credit qualify and retired on $40, 000 . But now I don't qualify due to debt to ratio .This was the worst treatment I have ever experienced and didn't sue. This company does predatory lending practices and need to be stopped. Carrington Mortgage currently service our home loan. We deserve our money back and our credit fixed and the regi cash out given to us. We have 300, 000 dollars worth of equity and only asked for 55, 000.dollars in the refi cash out. Please stop these people from predatory lending. We have never received a denial letter to this very day. We are senior citizens.

11/2021 mortgage payment.
I sent my mortgage check in the mail as usual. About 10 days it is usually cashed. 15 days goes by and the check isnt cashed.
I called to see I pay online, if they can destroy the check if it does come in.
They said no, they will cash it so they can have two payments!
I was flabbergasted. I send in a check because if not, you have to pay to pay a bill which is obnoxious.
So not only did I have to stop pay my check which was 35 through my bank but also had to pay to pay my bill!
This is horrible customer services and becuase you "dont have my check" I have to pay out of my [censored] to pay a bill!
That is [censored] backwards. What a horrible and shameful company.

ILD: 256598
Account:# [protected]

5 months ago my insurance company issued a check for repairs. I endorsed the checks and sent them to the mortgage company. We've been going back and forth with this claim since then. I provided the company with all the documents they requested for the contractors. First I kept being told that I needed a lien waiver for the companies. I called in because I know a lien waiver is normally needed at the end after repairs have been started. Recently I got my roof repaired when I finally received a disbursement the guy repaired the roof I gave him the check and they stopped payment on it. Obviously the person that is handling my claim doesn't know what she is doing. I called the other day and was told that the back office denied the resending of the check for the contractor. Unfortunately I'm not sure if the contractor manson roofing services incurred fees for the nsf check that was given to me by Carrington mortgage company. I'm still waiting on more funds to do my fence and finish the other stuff that the insurance company. Each time I call I'm told different stories. I've requested to speak with a supervisor on several occasions but for some reason they will not let me speak with a supervisor. I need this matter taken care of this has went on for to long with no results. Any place you call if you ask for a supervisor its granted so why do i have to wait 24 to 48 hours for one to call me in which they never do. This has been a nightmare thanks to carrington loss draft department and the claims person who never calls. Then if she does call she's not confident in doing her job.

I have performed insurance work on Carrington Mortgage companies client' s home. Back in March an inspector came and inspected my work and deemed me to be 80% complete. Then Carrington released the partial funds from the insurance company to the roofer, who had not stepped foot on the property nor delivered any materials! I was paid nothing. Carrington admitted to their mistake of paying the wrong contractor but offered no correction of he mistake. The client graciously paid some out of her pocket. I was owed around $51, 000.00 and client was able to pay me $19, 000.00. I received another $12, 000.00 and I'm still owed the remainder of my contract and the rest of the money Carrington is holding belongs to my client to reimburse her the money she paid out of her pocket.
Now the work has been completed since early June and every time we call to get an update, it's always something new! Updated Conditional Lien Release Waiver( I have sent three final ones), third party authorization form(we have sent two and many verbal from client). Last week 7/28/2021, everything was in order and I was told to check back this week to see if it was being released. Today I was told same old thing, need an updated conditional lien release wavier, and they cannot talk to me because they need another third party authorization form.
This money isn't even theirs! It was approved and paid through her insurance company. We had to endorse insurance check and send to Carrington, because we follow rules. Now they are dragging this poor elderly lady through the mud. She just lost her husband 1.5 years ago and then last September lost her son during the hurricane that damaged her home. I have been having to help her navigate through this whole process because it's too much for her. Her late husband always took care of things like this. Now I am left with no choice but to file a lien. Now there will be additional fee's and cost to do this. If I do not file a lien I will lose all rights to my money. Do you think Carrington cares that this poor lady will have to pay even more now? They are heartless and I wouldn't finance a dog house with Carrington. Shame on them!

Carrington Mortgage Co kept on sending me emails and calling me telling me that they could lower my interest rate several times even thought I told them to leave me alone. But they still kept calling me. SO I called them back and told them after all the issues that we had last time I wasn't going to deal with them again. But they insisted that there would be no issues this time and that they could get me under 3% with no problems. Then after they kept calling me ever day about getting this done and asking for paperwork which I gave them they then said that they couldn't do it this way and would have to go another way but still would not change the interest rate that they said they could do at 2.875%. Then they contacted me saying that they needed to contact my employer to prove all the overtime I do. Plus also went back and contacted my last 2 employers as well. Then sent me an email today with a higher rate. Tried several times to contact them about what was going on and even asked to talk with someone in charge with no one returning my calls. tried to call George Marlin the 1 doing my loan and he refuses to answer the phone and doesn't even call back.

I am in Texas. This company bought a home equity loan I had gotten on my home that was completely paid off. The original grantor of this loan did not do what they were suppose to do with over 50% of this loan. Then they sold it to this company evidently. I had no idea who they were. Now after trying to deal with these people multiple times and trying to get the accuracy of this account straighten out and getting no where, I tried multiple times to refinance this loan however could not because the originator did not use the money to clean up items on my credit and this company continuously reported negative on my credit bureau reports. So I was stuck with the fraudulent loan. Continued to try and work out arrangements and set up a modification however they denied my payments stating I was denied for the modification after approving me. Now they have foreclosed on my $250K home for $31K and sold it at auction without notice to me.
This entire situation has been nothing but a scam and fraudulent practices. I now want to know where the excess proceeds are from my home however no one can seem to help me with that. I am seeking legal representation against them and the originally guarantor of this loan.

Due to COVID-19, my tenants have been struggling to pay rent in a timely manner, however, instead of requesting a forbearance, I've been making due with what I have and just paying towards the later parts of the month. On July 28th or 29th a customer Service rep from Carrington-Mortgage called me and ask can I submit my payment. I informed the lady that I was driving and wasn't sure if I could drive, pull up my account number and talk to her all at once but I'd give it a try since I intended on paying that day anyway. I don't know if a mistakenly gave her a wrong number on my account or she recorded it wrong but the payment never was removed from my account. I called the next day and they assured me that the payment was successful and that the payment would come out. On the 3rd of August the payment still hadn't been removed so, I called yet again. This time they said that the payment was being returned today. I quickly made another payment using the same account and routing number. It was successful. I explained to the representative that I was in no position to get a late payment on my credit being that I am now the bread winner of my family and we are seeking a loan using my credit. The agent told me I should be okay since we corrected it before the payment was sent back yet, it was still reported to my credit report as being late. I tried to call the company but they said id have to fax in any complaints and wait 30days. This company is pitiful and has a total disregard for what's happened in the world today. Maybe I should've just requested a forbearance like everyone else because even when you do right these companies have a total disregard for you.

My mortgage was sold to Carrington. I mailed a payment meant for Carrington 2 years ago, Citi kept it.

Now 2 years later, my payments are NOT clearing my bank sometimes for 20 days? I find out the payment address is no longer California but Dallas, TX. Instead if get ugly letters about foreclosure when my last check is still handing out there somewhere not clearing my bank. My lawyer tells me this is an "old" tactic to make you look bad and they collect interest the later you are deemed to be? I am very upset and want this complaint addressed. I am not behind but one payment due to the confusion about a missed one? I forgot to sign it, but sent it back over 8 days ago. I spoke to Mareshka in CS but I want to speak to someone who can figure out why my checks are being held so long...I am an honest Christian person who would not lie. But I am tired of looking late and looking bad.

S, Pat Gestring, 460 Meadow Street, Saginaw, TX 76179
Screenshot to Mark L. Williams, Atty at Law

To Whom It May Concern,

I reside next door 8806 Hardesty Drive, Clinton, MD 20735 (property owned by Carrington Mortgage Services, LLC). I have spent years trying to understand what will happen to this property.  I reside at 8808 Hardesty Drive, Clinton, MD 20735. Your property has been deteriorating for years: wind storms have blown off shutters, the garage has a giant hole in it, water is sitting in the back yard in cans, the grass, scrubs and bushes are taking over the front and back entrance.  Most importantly, two years ago I and the resident that was renting 8804 Hardesty Drive, Clinton MD 20735 both endured termites.  The owner Charles Carpenter walked away from this property years ago, however did not clear the home.  No one has live in this property since that time. The new resident in 8804 parks their vehicles in from of 8804 and 8806. The kitchen sink contained dirty dishes and food all over the counter; maggots were present.  This cost me a couple of thousands to correct this issue.
I have brought my concerns up to the Clinton Dale Homeowners Association with no results. Prior to contact Prince Georges City Click,   I would like to know what can be done to repair this property and bring it up to code, or to have the property transferred to another military veteran.  Your time and attention to this matter is greatly appreciated.

V/r

Audrey Harris
[protected]

Sent my monthly payment by hard copy check. They converted it to an electronic payment without my knowledge, took the money from my checking account and now report I am not paid and reporting to credit bureau. This will mess up my credit for months and I am in the middle of applying for a loan. Have been calling daily. People on phone will not give their names; only ID # and you can never get the same person back again on the phone. I faxed them proof from my checking account as they requested but now it is not good enough. They want a picture of a hard copy check but there is not copy because the transaction was done electronic. This company is running some kind of scam. I really don't know what to do next as this is a corrupt company taking advantage of consumers. I don't know how this will ever get resolved.

My second mortgage was sold to Carrington. The first contact I recieved from them stated that my loan balance was almost $70, 000 more than the $35, 000 I borrowed from the original lender. I asked for a statement, they refused to supply one.

My personal information that was transfered to Carrington from my original lender, was compromised during a data breach after the transfer.

I was also contacted by a company named Ursus on Carrington's behalf stating they "misplaced" my mortgage note..and that I needed to resign a replacement asap.

My stance with Carrington was that I needed to see something in writing from them showing the correct amount that I owed them, to ensure their records were correct, and that I was not in some sort of scam. Given the above details, any resonable person would be skeptical.

After almost a year...I finally recieved documents, I signed a modified loan so they now have the note that they need and have been current.

I now demand that Carrington take the late payments off of my credit history, because it was their errors in record keeping, lack of security of my personal information and unwillingness to provide me the information to ensure me that everything was legitamate, that has led us to this juncture.

I have done my due dilligence by writing detailed letters, and spending countless hours, being passed from person to person...and not getting anywhere.

J. Yater
Hamilton, Ohio.