Mortgage -- Trouble during payment process -- Complaint #5639980
Complaint Overview
Complaint ID: 5639980
Company: Carrington Mortgage Services, LLC
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
State: Georgia
ZIP Code: 30087
Date Received: 2022-06-06T12:00:00-05:00
Date Sent to Company: 2022-06-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Please see attachments. Reference : XXXX XXXX Acct # XXXX XX/XX/2022 Late Charges To Whom This May Concern : I was accessed a late fee of {$42.00} for my XX/XX/2022 mortgage payment. Ever since Carrington began servicing my home loan, I have paid my monthly mortgage via my bank Bill Pay feature ( see attached ). Both XX/XX/XXXX and XXXX fell on a weekend, outside banking business days ; XX/XX/XXXX was a Saturday and XX/XX/XXXX was a Sunday. Per my XX/XX/2022 statement Carrington stated Late charge full payment not received by XX/XX/2022 which was a Sunday. Neither Carrington nor my bank, XXXX, does business on a Sunday ; business days are Monday Friday. Furthermore, I made my online payment via my bank Bill Pay prior to XX/XX/XXXX. This never happened to me when I was with XXXX Mortgage for over 11 years. In addition, I found the below regarding mortgage payments when the due date falls on the weekend or on a federal holiday. All payments are effective dated for the scheduled date of the draft. For example, if you schedule a payment for the XXXX and the XXXX falls on a weekend or holiday the payment will be withdrawn the next business day. The payment will be effective dated back to the XXXX and a late fee will not be charged. If an online payment is scheduled on a weekend or bank holiday, the payment will be withdrawn on the next business day. All payments are effective dated for the scheduled date of the draft. For example, if you schedule a payment for the XXXX and the XXXX falls on a weekend or holiday the payment will be withdrawn the next business day. The payment will be effective dated back to the XXXX and a late fee will not be charged. Please explain why I was charged a late fee because my payment wasnt received by Sunday XX/XX/XXXX. I do not understand. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # XXXX
Frequently Asked Questions
What is Complaint #5639980 about?
Complaint #5639980 was filed against Carrington Mortgage Services, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-06-06T12:00:00-05:00.
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.