Carrington Mortgage Mortgage Complaint

Carrington Mortgage Mortgage department,

FHA mortgage Application, originator, mortgage broker Florida

- - CMS acquired my mortgage from - - - Agent contacted me to discuss FHA Streamline refinance options from - office. - - Moved forward to closing after delivering all paperwork required. Initial signing botched by Notary. Closing rescheduled for -. " Bring to closing '' amount refunded. No other concerns reported. - - Calls start coming in about " why I have n't paid my mortgage '' ( were told we would skip - payment as part of the closing ). Emailed Sr. Loan Officer on - to ask about calls. He responded on - saying it was normal, procedural, and not to worry, all was fine.


instead, new loan starting in -. Sent off closing amount as cashier 's check a few days later ( once refunded check cleared bank ). - - received collections call from Carrington Collections department. Asked why I have n't paid mortgage in two months. I explained that we were refinancing ( as I had before ). Was told that there is no record of refinancing, and anyway, we are not qualified for refi because of missed payments ( we do n't miss payments - only skipped because told to! ). Reach out to original loan officer. No answer. Reach out to Sr. Loan Officer. No answer. Reach out to their boss. No answer. Emails. No response. - - Receive a check from Carrington via certified mail dated for - - for exact amount of " bring to closing '' fees. Multiple calls placed to all loan officers. No answer, nor any call back. Reach out to Carrington customer advocate dept. Told situation looks unusual, told he could see a request for origination/funding the loan, but loses the trail there. Advocate reached out. At last check, -, no further information given. - - Negative credit report notification via - " protect my ID '' service. We followed all instructions and signed in what I thought was a legally binding, notarized closing. Now we are in default with credit action being taken against us, no one will pick up the phone or call us back, and no one seems to have any answers. I am appalled and disgusted with this situation.