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Horrible
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Surly there is someway to get these shysters shut down, Worst company I have EVER dealt with.
Approximately five years ago Citi mortgage sold my account to Carrington mortgage. I was down to last five years of the loan. It has been a nightmare ever since. Every year they raise my payment twice. Last one with a note that by law they can hold up to two times what is needed in escrow account to pay principle, interest, insurance, and taxes. During these last five years, they have misapplied funds to another account and were hounding me for a payment. That took several phone calls and a week to get them to correct their error. One year I paid the escrow shortage to keep my payments down enough to be able to pay them. They didn’t know how to apply so they just applied to the principle and when I paid the amount the payment should have been they started their harassing phone calls. They wanted me to pay the shortage again until they could figure out where they screwed up. I didn’t have that kind of money just laying around to send them so they charged me a late charge for their screw up. They have not paid my insurance in a timely matter and I received several notices of cancelation. Every month it’s is something with them. Mind you I have never had a late payment in the twenty five years I have had this mortgage.
Fast forward to this year. Once again, they are increasing my payments. Not sure why because there is more in the escrow fund than the payoff on the loan. So, I didn’t pay that large escrow shortage as I knew I would be paying the loan off in the next couple of months. The payment was to increase $62 in April and I thought it was May. I paid my usual payment in April. Then came the harassing phone calls. I explained it was an honest mistake on my part and would include the $62 dollars in my next payment. They were having nothing to do with. Even though they had my $1149.49 they would not post it because of the $62 shortage. They reported me to the credit bureau which put a hickey on my pristine credit report. I tried to work with customer service but as usual their customer service is rude and useless. So now they have $4752.56 of my money they payoff is $3316.57 which means they owe me $1435.99. Now I get a foreclosure notice not just on but four. So basically, they are trying to steal my house over $62 dollars.
From other complaints about them, and there a lot, this should become a class action law suit
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