Mortgage -- Trouble during payment process -- Complaint #4809968
Complaint Overview
Complaint ID: 4809968
Company: Carrington Mortgage Services, LLC
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
State: Texas
ZIP Code: 78227
Date Received: 2021-10-14T12:00:00-05:00
Date Sent to Company: 2021-10-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
The list of attachments are self explanatory on detailing the mortgage servicing on my home equity loan originally entered on XXXX by XXXX XXXX and transferred 3 times ending with Carrington Mortgage LLC. This complaint goes directly to problems and discrepancies on a loan modification agreement entered XX/XX/XXXX. Carrington has reported late payments to the credit bureaus which has inhibited my credit. I followed the terms of the modification agreement paying {$500.00} for three months before my application was approved. I was advised I had a credit or balance on the escrow account. This came from escrow deducting XXXX for homeowners insurance which I had already being paying monthly to XXXX XXXX making this a double monthly payment to homeowners insurance. Speaking to supervisor XXXX XXXX he stated I needed to send a hand written letter to escrow dept. to either stop taking the money out or a refund or possibly applied to XXXX and XXXX payments. I then received a letter stating my account would be drafted {$420.00} on XXXX XXXX.I was advised that no money had been applied to XXXX and XXXX and they do not return money from escrow and the homeowners insurance would be paid by Carrington and it was part of the modification. That has all been remedied by a double payment in XXXX of {$840.00} and another deduction on XX/XX/XXXX for {$420.00}. I have not been late on my payments I contacted XXXX representative and had him on a 3rd party call with the advocacy department and after no resolution to why they are reporting me late he referred me to CFPB and wished me good luck. XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #4809968 about?
Complaint #4809968 was filed against Carrington Mortgage Services, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-10-14T12:00:00-05:00.
How did Carrington Mortgage Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Carrington Mortgage Services, LLC?
Yes, visit the Carrington Mortgage Services, LLC company profile at readthecomplaint.com/company/carrington-mortgage-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.