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Mortgage Relief That Provides None

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The FTC recently settled with two individuals and seven companies that allegedly lied about the mortgage relief and foreclosure rescue services they sold to distressed homeowners. These companies claimed homeowners could sue their mortgage lenders as part of a “mass joinder” lawsuit to receive more favorable loan terms, restore their credit, and avoid foreclosure on their home.

How can you avoid these types of scams?

  • Don’t believe anyone who guarantees to rescue your home from foreclosure. No matter what your situation, there is no guarantee that you will get a loan modification or help in stopping a foreclosure. The best way to find out is to call your lender directly, and quickly.
  • Don’t pay a fee up front for any mortgage relief service. It is illegal for a company to charge a fee before providing a mortgage assistance service, unless the provider is an attorney. A request for an advance payment is often a tip-off to a scam.
  • Don’t pay fees by wire transfer, especially if that’s the only form of payment a company accepts. Wiring money is the same as sending cash — once you send it, you can’t get your money back.
  • Don’t be pressured to sign any papers that you haven’t read or don’t understand. And don’t sign over the title or deed of your house to someone other than your lender. That’s a major red flag. Call your lender first.
  • Don’t believe anyone who tells you not to contact your lender, an attorney, credit or a housing counselor directly. If you are having problems paying your mortgage, immediately call your lender to discuss your options. If you are facing foreclosure, call the Homeownership Preservation Foundation at 1.888.995.HOPE to speak with a legitimate credit counselor.

If you think you’ve been the victim of mortgage or foreclosure rescue scam, file a complaint with the FTC.

Foreclosure Rescue Scams Audio Tip

Blog Topics: 
Homes & Mortgages


Hi, what do you know about toxic loans and FHLA LLC in Orange Park Florida

If you'd like the FTC to look into a company's practices, please file a complaint at We use your complaints to investigate companies and bring lawsuits. We can't address complaints if they are submitted through blog comments.

ocwen loan servicing charging fees soon will be as much as my princple

Yes - what is being done about Ocwen? It seems that no authorities or legislators care - and yet Ocwen bought so many mortgages and so many people are being extorted. What is being done by federal or state overseers? They cared so much about the making sure the banks didn't go under, but what about American homeowners?

yes I would like toknow what is being done about Ocwen also?

Carrington Mortgage Services LLC (CMS) out of Santa Ana, CA actually trespassed onto our property (which, while the subject of a pending modification), destroyed all 3 doors with crowbars and other tools. They literally committing the crime of breaking and entering, changed the door locks and installed their locks on our pool cage doors, thereby damaging 3 doors, 2 windows and the pool cage...just for starters. Our loan is with BOA - CMS claims to be the servicer, but we don't know that and I refuse to be a victim for the 2nd time regarding my home. We did file a police report and the detectives will commence their investigation Monday. Filing complaint - this is bogus and downright a violation of our rights and I will continue to file complaints, write letters and run my big mouth until this company is held accountable, both financially and otherwise for their crimes.

I was a struggling homeowner in 2012. My original mortgage was serviced by GMAC. In Jan 2013, GMAC granted me a trial modification beginning Feb 1. Feb 15, 2013, GMAC transferred my loan to Green Tree Servicing. My first trial payment was sent to GMAC prior to them telling me my loan was being transferred to a new mortgage servicer. Begining April 1, 2012, I started making my trial modification payments to Green Tree Servicing. When GMAC transferred my loan to Green Tree, there was a principal balance of approx 228,000. Each month I received a statement from Green Tree Servicing saying my payments were unapplied. I contacted my customer service rep (Monica) and advised her my escrow and interest account are not reflecting my payments. I was told to just continue to pay my trial modifcation payment. In the middle of June 2013, I was finally given a permanent modification. Needless to say the permanent modification payment went up an additional $800 from my trial modification payment. I seriously thought is was a joke. I then again contacted Green Tree Servicing to let them know there must be a mistake with my modification paperwork. I again contacted Monica to let her know the issue. She wasnt even aware I was given a permanent modification. She contacted the loss midigation dept and they realized their was an error. They revised the modification to reflect the same payments I was making on my trial modification. In the meantime, my modification paperwork stated my principal balance of the loan went from $228,000 to $236,500. I have been questioning Green Tree month after month of how my prinicpal balance went up $8500 from Feb when GMAC transferred the loan to Green Tree. I have nothing but a run around each time I try to contact someone in Green Tree's customer service dept. They are pass the buck from one person to another. In Aug 2013, I sent a certified "Qualifying Letter" requesting a full account of all monies paid on the loan. Mind you I have paid $13,450.00 and my account does not reflect the correct money for my escrow or interest payments. My Sept statement reflects my prinicpal balance went down to $232,000 from the $236,500. I again contacted Green Tree to ask why the interest payments reflect approx $3500 less then what I have paid to my interest. The answer I received well you prinicpal balance was reduced. If I was able to pay $3500 towards my principal balance I would have never asked for a HAMP modification. I contacted Green Tree's loss midigation dept again and was told by the rep (Jess) the difference in the amounts is for "fees" associated with the loan modification. I advised her I was not told anything about $8500 fees associated with the modification. I asked for an accounting of every bit of the $8500 worth of "fees". Let me understand the government is willing to help a struggling homeowner and then let these mortgage servicing companies tack on "Fees" of $8500. Lets see if we can put the consumer in a bigger hole then she already is in. There is no help with the struggling homeowner. Where do you go from here?

I am dealing with the same thing and worse! Loan transferred from SLS via BOA (Countrywide) Greentree is stealing flat out deception! I too am missing between 9-10K after transfer PLUS 25k from Keep your Home CA has not been rolled into the balance of the "new principle" They say it will be applied to the principle after the account is wiped clean by the final modification! Yet the modification clearly says any additional payment will go to the deferred amount also due at shortened term which creates 250,000 due in 22 years as a balloon payment. This is the most creative, deceptive Hamp mod to just keep cheating and taking money from the homeowner! I am waiting to see how they handle this but after reading so much I am pretty sure they will rip me off more!They are all telling me (every department) I have to wait and see because they have no control until it is final and the account is wiped clean! Unbelievable BS! My only saving grace is that I do have download from website of my History that they transferred from SLS and the escrow was switched to corporate balance and then I still have 5,000+ past due escrow.I will star filing complaints everywhere !! Greentree sucks and steals and lies and cheats!

To whom it may concern: FTC The statement I made earlier was done without knowing I was on the FTC website. I had good Greentree and it directed me to what I thought was a blog of some sort there are so many out there RE: Greentree Servicing!If this is my only chance to complain with my IP address possibly then I want to submit a more thorough, detailed and more professional complaint.It was not until I actually posted that I realized this was FTC. Please advise. Thank you.

You can file a consumer complaint with the Federal Trade Commission (FTC) at or by calling 1-877-FTC-HELP.

Carrington Mortgage LLC is a predatory loan serivcer with numerous complaints regarding fees and lack of posting payments.

These companies exist because people do not post complaints in the proper places. In the case of Carrington, its reputation is based on the practice of generating additional fees added on to create an event of default allowing the mortgage servicer to foreclose on the property. They withhold on-time mortgage payments and add fees..It can't be substantiated that this is done on purpose or the result of poor procedures, however, it appears to be common practice with them. When loans are transferred they probably use a computer tool to evaluate the loan against hard guidelines. They choose to enforce those guidelines even though the history of the loan is solid and the consumer had never missed a payment prior to the transfer.

If you believe you are a victim of Carrington Mortgage, LLC's predatory procedures, you can post a complaint here:

They must respond to the complaint and the complaint is listed on a database that is available to all enforcement agencies within banks and law enforcement. If a trend is detected the company could be investigated.

The bottom line here is to articulate your issues and ensure you are complaining about legitimate problems not because you are mad about your situation

You can also file a consumer complaint with the Federal Trade Commission (FTC) at

And you're correct, it's important to submit a formal complaint because investigators from all over the country access the FTC's database and these complaints could help in their investigations. Watch this video to learn more about how to file a complaint with the FTC and why it matters.

Thanks, I made the choice and used the to make my complaint.Complaint was not based on emotion but facts based on my observance since Carrington took over my servicing of my mortgage. In my humble opinion they are just out to make money, as I dont believe they "service" mortgages for good will sake. Unfortunately one should also ask why the system allows this to occur in the first place. Question, what benefit does mortgage servicing give to those firms that take over this task?

Thank you for posting this. BOA recently sold my mortgage to this company. Your post articulated my situation with them to a tee and confirmed my fears about them. I have filed a complaint with the Consumer Financial Protection Bureau, per your suggestion.

i am dealing with the same thing education loan process

I have a company called Mortgage Relief Project asking for &6000 upfront money to sue mortgage company. ANY ONE HEARD OF THEM

Don’t pay a fee up front for any mortgage relief service. It is illegal for a company to charge a fee before providing a mortgage assistance service, unless the provider is an attorney. A request for an advance payment is often a tip-off to a scam.

If you are having problems paying your mortgage, immediately call your lender to discuss your options. If you are facing foreclosure, call the Homeownership Preservation Foundation at 1.888.995.HOPE to speak with a legitimate credit counselor.

I would like to make a complaint against Carrington Bank. Bank of America sold my mortgage to this company in April of 2015 with no notice to me. Carrington Banks has increased my mortgage payment with no explanation. When I try to call to ask, they claim it is because they need a "two month" cushion for escrow payments. They have also consistently made sure that my payment is late, either by telling me that my bank account is not valid and then locking me out of my online account. These actions then force me to call Carrington and pay by phone which costs an extra 15.00 dollars + the 20.00 dollar late charge + the 30 day late payment on my credit report. Plus Carrington, then sends letters that they are starting foreclosing process on certain dates because my payment is late. I would like to refinance to get away from this company, but Carrington has made it impossible to do so because it looks like I am constantly late on my payments. PLEASE ADVISE HOW TO GET AWAY FROM THIS COMPANY!!
I know I am not the only person to have these problems. If you look at the complaints on: and other various online sources. There are many people facing the same issues. This mortgage business is not even BBB verified!!

Thank you for sharing your experiences. Unfortunately, we cannot address complaints if they are submitted through the blog comments. Please report your experience at In addition, please see Making Payments to Your Mortgage Servicer to learn more about your rights.

Getting a modification from Ocwen, their lawyers are handling it, sent me a modification with a clause that basicly states that if I claim bankruptcy at any time I have to give up my home. Is this legal? Another clause states that I need written permission from Ocwen to sell my home. is this legal?
Please help!!

Don't sign any papers that you don't understand or don't agree with.  Talk to your own lawyer about the clause you don't agree with.

There are a few places you can check for legal help. Contact a legal aid lawyer to see if you're eligible to get help.

Use this state-by-state list from the American Bar Association to find a private lawyer in your state. It also has information about your state court system and explains what you can do on your own.

The State Bar Associations website is another resource. Use the State Bar Associations list to find the bar association in your county, and call them to ask about finding a lawyer

M.R.S. By now, I am sure something has occurred with your mortgage, but to those of you who read and have suffered the same crud... Dive deep into your documents. Ocwen did the same to me, and after burning through 5 crappy attorneys, I learned that NO ONE cares as much as I do about me keeping my home. And although we have a ton of governmental agencies geared to investigate these scenarios... the lenders know they won't be any use to you, as none of them can interfere if you are in litigation. So, it's "good luck" until you are out of court... and hopefully not out of your home! BEST ADVICE: I had the same clauses... AND MORE! Can't sue, ever past, present, future, listing every single Company that touched my mortgage for the past 13 years including Attorneys, and Title Companies... no trial by Jury, approve buyer... bla bla bla. I call it... an Ocwinification. But, odds are... this is GOOD for you. As I have learned that they did all of this to try and cover up the forgery and fraud trail they have ongoing since day 1. Compare each and every word of your copies of documents, with theirs. If you don't know how, or don't have time to research, find someone who can trace your promissory note and mortgage right back to the day it was signed, securitized and where they have gone since. Ocwen, BONY Mellon WILL put you into a "groundhog day" perpetuating foreclosure-modification-foreclosure-modification cycle. They will continue to capitalize, and add fees/charges/costs ad-infinitum, and eventually you will end up in a balloon modification. They have lost your original documents. They won't ever let anyone else be the highest bidder on your foreclosure sale. You will remain a prisoner in their scheme forever until you 1)give up and give in or 2) die. In 13 years, I have survived 2 previous foreclosures and I am in lawsuit #3. This time, BONY Mellon made the mistake of filing a judicial foreclosure, and used all of the forged and fraudulent documents as evidence. You must prove they breached their contract if you already signed your life away... then go after their soft belly.

I am writing to urge that everyone take a cautious look into the practices of Carrington Mortgage Services prior to doing business with them. I bought my first home in October of 2005 using a VA loan. The loan was held by Bank of America for 10 worry-free years prior their sale of it to Carrington in April of 2015. The only reason I discovered that my loan had been sold was when I attempted to view loan information of BofA's website and discovered that my account no longer existed. I quickly called and was informed of the sale and the rep provided me with a phone number. After setting up my account with Carrington, I continued making the same regular, semi-monthly payments through my bank's bill-pay but to my new mortgage servicer's account. In September, I noticed that my credit score with two agencies dropped a few points. Logging into Carrington's website, I discovered that they had raised my escrow payment starting August the 1st by $130 per month. I never got this communication, which is listed as being mailed out in late May.

Fair enough, I immediately paid the missing $130 and called to speak with a Carrington representative. I was told over the phone that the payment of $130 brought my account to current and that I could sign and mail in forms to start autodraft from my bank account on a semi-monthly basis. However, they require a voided check, which I haven't used in over 6 years and have none. Teaching classes on a regualr basis and not having checks, I resolved to continue making payments through my bank's bill pay service, increasing the payments by the new $130 amount.

During the second week of December, I was presented with Certified mail at my doorstep of their intent to foreclose on my home?!? They were asking me for 2 months of payment in their demand letter, to be received no later than 30 days from the date of the letter. I immediately began to research on their site and see that they are holding my payments for 45 days. Furthermore, their website is over 7 days behind with regards to posted payments. My credit score, which was outstanding prior to Carrington's involvement, has dropped almost 130 points! I investigated refinancing my home to get away from them, but I plan to sell it in 2 months, so lessening my equity would be foolish. This has to be the most irreputable company out there. I now have to deal with a fair credit score when I go to purchase my new home instead of excellent, and have 2 late payments on my credit report. This will probably disqualify me for another VA loan. Stay away!

These are useful details for a complaint.  Please report your experience at We cannot address complaints if they are submitted through the blog comments. You may find the FTC article, Making Payments to Your Mortgage Servicer, helpful. In addition to explaining what a mortgage servicer does, it also explains what your rights are.

Carrington Mortgage Services have been holding my insurance payment since February of this year, and are refusing to release it to me. I have provided more than required to have partial payments released to me so I can start rebuilding my home. On Oct 4, 2015 - my home was hit by a 1,000 year flood. It did nearly $100,000 in damages to my home. Carrington has the endorsed check in and escrow account, they do not communicate with me, and everytime I call, they have some excuse or made up requirement that I allegedly have not met, and will not release my money - even though I still provide what they claim I have to. Here nearly nine months later, I have had to spend thousands of dollars I can afford, to try and keep my homes condition for worsening. Carrington is a criminal company.

This article about making payments to your mortgage servicer has information about your rights and the servicer's responsibilties.

You can submit a complaint about mortgage services to the Consumer Financial Protection Bureau.

I will be formally making a complain about the way Carrington Mortgage is handling the "servicing" of my mortgage.
They have done the usual to me. Increase in escrow, the hard push on refinancing with them and recently claiming that I entered incorrect account number when making a payment on their website. I wrote to them via certified mail requesting evidence of such. Awaiting response. In the meantime I receive a phone call from them about my account now being "flagged". I am not in arrears so I wonder what that is all about? Will call to find out.

They are servers not agents! They don't own your note! Challenge them!

I have 18 yrs equity in my home. Under the current real estate environment in my area sale would likely generate a 90k profit. I like other persons whom BOA sold mortgages to Carrington have a lower FICO score around 500-600 and have had a couple > 30day lates, but always managed to pay my payment mid to late month the month it was due.

The first payment to Carrington was late as payment was sent to BOA. I believe my first payment actually was paid to Carrington 9/16, since that time I have been working hard to get back on track to hae no 30 day lates. I called and spoke with a Carrington rep to make a phune paymrnt around 12/3 to make November's payment. I ery foolishly was literally encouraged not to make that payment and "it would make more sense to pay both the Nov and December payment on December 30th when I planned on making this months payment. I en told her that it would be nice to have the extra payment but was concerned as I had heard of Mortgage companies assuming loans with large equity value only to forclose on the buyer.

She huffed at this and dtted that they werent even allowed to begin forclosure proceedings until he buyer was 3 months delinquent. about 8 days latter, I got certified letter with intent to foreclose under Texas law if both payments are not received by the 30th. I admit to accepting her explanation even while my gut was churning. but I belive this was done intentionally to gie them reason to accelerate the forclosure of my home which I have managed to make payments on for 18 years. It;s all that I have for retirement. I am sure if the sold loans wre looked at a pattern would be seen.

Please help this has been making me physically ill. I have no desire to work with people who would engage in unlawful not to mention unethical business practices, I don't have much time please advise of any immediate recourse I might have. Obviously calling them for help is not an option. PLEASE HELP I don't get paid until the 30th and like many others I am having difficulties getting them to receive and record payments. This is definitely a deceptive practice and i am sure its a very thin layer of their unethical practices. BOA has already been in trouble with their assumption of Country Wide. Are the just so large they feel they are untouchable?

You can report this to the Federal Trade Commission  and to your state Attorney General’s office. The information you give to the FTC will go into a secure database that law enforcement agencies from all across the country use for investigations and to detect patterns of fraud.

Our mortgage was sold to Carrington by BoA in August 2014. Since then we have struggled to keep our payments current because they absolutely refuse to do anything to help current homeowners. We are currently behind and sent in I guess what could be called a 'Good faith' payment via Western Union and it was refused and returned to us because it wasn't the full amount. We didn't even find out until we received the letter from Western Union. Carrington started out on a bad foot with our "Welcome" letter being dated August 12 and stating our payments would be going to them beginning August 1. Again, we only found this out when we went to a local BoA branch to make our payment and they didn't know who had the loan. I spent approximately 2 weeks trying to track down who was servicing our loan before we got the letter the end of the month. We've asked for payments to be auto drafted only to be told they can't because we weren't current for the 6 months prior. We're doing everything we can to get current and stay current but they're denying everything. Even when you call they talk in circles and deny everything.

I too am stuck with this horrible mortgage service criminal organization.Everything being said is absolutely true.I hate this company with everything I have.

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