Carrington Mortgage Services LLC

[redacted] RE: Loan No.: [redacted] Borrower: [redacted] Property Address: [redacted] Complaint I.DNo.: [redacted] Dear Mr***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of a complaint filed with the Revdex.com ("Revdex.com") regarding the above-referencedloan received in our office via email on March 24, CMS is committed toresponsible lending and servicing and we would like to address any concerns you may haveThefollowing is our response to the issue(s) raised in the inquiry.As you are aware, our Customer Advocacy Department originally received an inquiry from theOffice of the Iowa Attorney General on June 5, which raises some of the same issues asthis complaintAccordingly, the loan was researched and a response was sent to you by CMSwith a copy to the Office of the Iowa Attorney General on June 20, A copy of thatresponse along with the supporting documentation is included here for your ease of reference.As we understand your recent correspondence, you claim that after the servicing of your loantransferred, CMS was unable to provide you with the note holder of your loanYour complaintgoes on to state that a foreclosure sale of the subject property was completed and the ownershipof the property reverted ***k to [redacted] ("***)You state that [redacted] as plaintiff inthe foreclosure action waived its right to a deficiency judgment and you request that CMScorrect any improper credit reportingFinally, you note that CMS has issued you a noticeinforming you that CMS has obtained Lender Placed Insurance ("LPI") for the property.At the outset, please note that the servicing of your Federal Housing Administration ("FHA")insured loan transferred from [redacted] to CMS on May 1, On May 10, 2013, the attachedNotice of Service Transfer ("Hello Letter") was issued notifying you of the service transfer toCMSAt the time of the service transfer, your loan was in contractually in default and showingdue for the April 1, mortgage payment.Due to the ongoing delinquency, the subject loan was reviewed and approved for the initiation offoreclosure effective September 6, The loan remained contractually delinquent and duefor the April 1, payment at the time of the foreclosure referralOn October 21, 2014, aforeclosure sale of the property was completed which extinguished your ownership interest in thepropertyThe successful bidder at the foreclosure sale was [redacted] as plaintiff.Upon receiving your correspondence, CMS completed a thorough review of your loan and theforeclosure process and is able to confirm that while Iowa statute allows CMS to pursue adeficiency judgment awarded during a judicial foreclosure, the deficiency judgment was waivedpursuant to number fourteen (14) of the attached Foreclosure PetitionAccordingly, CMS hasupdated the credit reporting of this loan to remove the current balance of $116,and the pastdue amount of $58,900.Attached for your ease of reference is a copy of the Automated Universal Data form ("AUD")that has been submitted to the major credit reporting agencies to reflect such changesIt isimportant to note that while CMS has submitted the AUD to the appropriate credit reportingagencies, it may take the credit agencies up to thirty (30) days tor the changes to retlect withinyour credit profileCMS has confirmed that all other loan and payment information that hasbeen reported to the credit reporting agencies is accurate.In response to your claim that CMS was unable to provide you with the name of the note holderof your loan prior to the foreclosure sale, please be advised that CMS is unable to locate suchrequest from youNevertheless, our records indicate the investor/note holder of your loan was: [redacted] , NAThe investor is located at: [redacted] ***, witha phone number of [redacted] The investor/note holder may be contacted through CMS at [redacted] or by telephone at [redacted] ***.Finally, in response to your concern that CMS may have secured LPT for your loan, please beadvised that you no longer owe the mortgage debt nor do you own the property as outlinedaboveWhile CMS may have purchased insurance for the property, you are not responsible forthe expense of the insurance as you no longer owe the mortgage debtCMS has confmned thatdue to a clerical error in updating a code on the loan, the LPI notice was sent to you in error.CMS would like to take this opportunity to sincerely apologize for any inconvenience that youmay have experienced due to receiving the LPI notice in error and for any inconvenience thatmay have been caused by reporting a current balance and a past due amountCMS would alsolike to thank you for bringing this matter to its attention and for affording CMS the opportunityto make the appropriate credit corrections.Based on the foregoing, we believe the record is clear that upon discovering the inadvertentclerical errors outlined in your correspondence, CMS has promptly and properly taken theappropriate measures to address and resolve your concernsShould you wish to further discussany aspect of your satisfied loan, we encourage you to contact our Customer Service Departmentat [redacted] for further assistance.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at [redacted] , Monday throughFriday, 8:00AM to 5:00PM, Eastern Time.Sincerely, [redacted] Customer Advocate

June 24, Original response sent via regular mail [redacted] RE: Loan No.: [redacted] Complaint No.: [redacted] Borrower: [redacted] Co-borrower: [redacted] Property Address: [redacted] , [redacted] Dear Mr& Mrs [redacted] : The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your rebuttal filed with the Revdex.com (“Revdex.com”) received in our office via email on June 13, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in your inquiry As we understand your rebuttal, you are dissatisfied with the response that you recently received from our departmentSpecifically, you continue to claim that CMS misapplied your mortgage payments and that your account should be current Based on a review of your allegations and the information submitted in connection with your rebuttal, we respectfully submit that all of the concerns you have raised in your rebuttal have been thoroughly addressed in our initial responseConsequently, we strongly encourage you to review our initial response in its entirety To the extent that you continue to believe that CMS has improperly serviced your account or misapplied your mortgage payments, we ask that you provide whatever evidence you may have of the purported servicing error or misapplied mortgage paymentsTo expedite receipt of the additional information, please send it via facsimile directly to my attention at (949) 666-In the absence of any such evidence, we respectfully submit that CMS has properly serviced your account pursuant to the terms of your mortgage loan agreement and in accordance with applicable law and program guidelinesMoreover, we also respectfully submit that all of your mortgage payments have been applied to your account and that all of the fees assessed on your account are proper and valid Furthermore, because CMS has now addressed these issues on multiple occasions, our office will not respond to future correspondence raising substantially the same or identical claimsNevertheless, if you want to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at [redacted] , Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can also send written correspondence including inquiries and complaints about your mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] or fax your correspondence to [redacted] We trust that this communication addresses all of the concerns noted in your rebuttalIf you have any further questions, please contact the undersigned at [redacted] , Monday through Friday, from 8:00AM to 5:00PM, Pacific Time Sincerely, [redacted] Customer Advocate CC: Revdex.com IMPORTANT DISCLOSURES -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] ***, [redacted] ***, or by calling [redacted] Please include your loan number on all pages of correspondence The CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/ -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at [redacted] or toll-free TDD [redacted] , or by going to [redacted] You can also contact the CFPB at [redacted] , or by going to [redacted] -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA Disclosure- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief For additional information and to determine eligibility please contact our Military Assistance Team toll free at [redacted] -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determination You may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at [redacted] , Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at [redacted] *** ARKANSAS Arkansas Residents Only: Carrington Mortgage Services, LLC ('CMS') is licensed with the Arkansas Securities DepartmentYou may file complaints about CMS with the Arkansas Securities Department (Department) at [redacted] , [redacted] , [redacted] ***, [redacted] ***You may obtain further information by calling the Department's general information number at [redacted] or toll-free, [redacted] or faxing the Department at [redacted] or visiting the Department's website at [redacted] For a list of standard or common loan servicing fees charged by CMS, please visit the CMS website at [redacted]

June 9, [redacted] RE: Loan No.: [redacted] Borrower: [redacted] Property Address: [redacted] Complaint I.DNo.: [redacted] Dear Ms***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of a complaint filed with the Revdex.com ("Revdex.com") regarding the above-referencedloan received in our office via email on May 22, CMS is committed toresponsible lending and servicing and we would like to address any concerns you may haveThefollowing is our response to the issue(s) raised in the inquiry.As you are aware, the servicing of this Federal Housing Administration ("FHA") insured loanwas transferred from [redacted] ("***") to CMS on April 2, On April 6,2015, the attached Notice of Service Transfer ("Hello Letter") was issued to you notifying you ofthe service transfer to CMSAt the time of the service transfer your loan was contractuallycurrent and showing due for the April 1, mortgage payment in the amount of $Thispayment was made up of a principal and interest amount of $and a monthly escrowcollection in the amount of $241.59.On April 16, 2015, you contacted CMS and explained that your prior loan servicer issued you anescrow analysis that outlined a shortage in your escrow account prior to the service transfer toCMSThe CMS representative notified you that CMS would be completing a new escrowanalysis within sixty days of the service transferThe CMS representative directed you tocontinue to make your mortgage payment in the amount of $and notified you that youcould make mortgage payments to CMS via CMS's no-cost online payment systemThat sameday, CMS received your payment of $which satisfied the April 1, mortgagepayment.On May 1, 2015, CMS completed the attached initial analysis of your escrow account as the RealEstate Settlement Procedures Act ("RESPA") requires that an escrow analysis be completedwithin sixty days following a service transferThis escrow analysis projected your total annualescrow disbursements to be $2,997.24, which includes an annual hazard insurance premium inthe amount of $927.12, annual property taxes in the amount of $1,and an annual FHAMortgage Insurance Premium ("MIP") of $418.08.Please be advised that RESPA guidelines limit the amount of funds a loan servicer may require aborrower to hold in an escrow accountThis escrow reserve amount is also commonly known asan escrow cushionAlthough RESPA does not require the lender to maintain a cushion, RESPAdoes allow a loan servicer to maintain an escrow cushion equal to two months (one-sixth) of theamount of the total annual disbursements paid out of an escrow account, not including the FHAMIP payments.Because the total annual escrow disbursements for your loan not including the FHA MIPpayments have been projected to be $2,579.16, your escrow account is required to have aminimum balance of $at all times ($divided by equals $429.86)Based uponthe projected disbursement date of your annual hazard insurance premium and the projected datethat your property tax payments are disbursed, CMS determined that your escrow account willhave a deficit of $in November Because you are required to have $in yourescrow account at all times, CMS determined that your escrow account will contain an escrowshortage in the amount of $at that time ($plus $equals $594.15).In order to prevent any undue hardship, CMS has spread the escrow shortage of $over aperiod of twelve months which resulted in an increase to your monthly mortgage payment from$to $effective with the July 1, mortgage paymentFor your ease ofreference, a breakdown of the July 1, mortgage payment is outlined belowPrincipal and Interest: $ Base Escrow Collection: $ ($2,divided by 12) Monthly Escrow Shortage: $ ($divided by 12) July 1, Payment $ 757.02On May 6, 2015, CMS received your May 1, mortgage payment in the amount of $699.33.On May 12, 2015, you contacted CMS and requested an explanation of how CMS determinedyour escrow account contained an escrow shortage in the amount of $The CMSrepresentative provided you with information outlining how CMS determined the escrowshortageBecause you disagreed with the explanation, the CMS representative also opened atask for the Escrow Department to ensure the escrow analysis was properly completedOn May13, 2015, CMS's Escrow Department confirmed that the May 1, escrow analysis wasproperly completed.On May 22, 2015, you contacted CMS and still claimed that CMS was improperly managingyour escrow accountThe CMS representative again provided you with information surroundingthe recent escrow analysis and provided you with the escrow shortage in the amount of $594.15.Because you continued to believe that CMS was mismanaging your escrow account, your callwas escalated to a CMS su [redacted] orThe CMS su [redacted] or also notified you that CMS waspermissibly collecting an escrow cushion equal to one-sixth of the annual escrow disbursementsnot including the FHA MIP paymentsNevertheless, you continued to dispute the escrowshortage.On June 1, 2015, CMS received and applied your June 1, mortgage payment in the amountof $As ofthe date of this letter, your loan remains contractually current and is showingdue for the July 1, mortgage payment in the amount of$757.02.Please be advised that CMS does not currently offer the option to stop maintaining an escrowcushion for your loanCMS adheres to RESPA guidelines and will maintain a two monthescrow cushion in the escrow account at all timesShould you wish to pay the escrow shortagein full, we encourage you to submit the projected escrow shortage in the amount of $594.15along with specific posting instructions to CMS at the following address: Carrington MortgageServices, Attention Payment Processing, [redacted] ***Specific payment instructions should be clearly indicated on the form of payment aswell as on the payment coupon.In response to your claim that CMS's escrow cushion collection practices are somehow illegal,CMS respectfully asserts that its practice to collect an escrow shortage equal to one-sixth of theannual escrow disbursements not including the FHA MIP payments is common in the industryand is within the bounds of federal, state and local laws and the related loan servicing agreement.Lastly, regarding the alleged poor customer service and communication you received, aninvestigation concerning your allegationswill be conducted by CMS and CMS will takewhatever action necessary in light of our findingsAgain, we sincerely apologize for anyinappropriate communication that may have occurred.Based on the foregoing, we believe the record is clear that CMS properly managed your escrowaccount and has properly informed you that CMS will be collecting an escrow cushion equal toone-sixth of the annual escrow disbursements not including the FHA MIP paymentsWesincerely apologize if you felt CMS efforts to manage your escrow account were improper in anyway as CMS's intent was to ensure that your escrow account contains sufficient funds to pay theescrowed items from your escrow account at the time the escrowed items become dueShouldyou wish to further discuss any aspect of your loan, we encourage you to contact our CustomerService Department at [redacted] for further assistance.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at [redacted] , Monday throughFriday, 8:00AM to 5:00PM, Eastern Time.Sincerely, [redacted] Customer AdvocateCC: Revdex.com

June 7, [redacted] RE: Loan No.: [redacted] Primary Borrower: [redacted] Co-Borrower: [redacted] Property Address: [redacted] ***, [redacted] Complaint I.D No.: [redacted] Dear Mrand Ms [redacted] : The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a complaint filed with the Revdex.com (“Revdex.com”) regarding the above-referenced loan received in our office via email on May 24, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry As we understand your complaint, you state the servicing of your delinquent loan was transferred to CMS in December 2015, and that you began receiving information from CMS in April that was in the form of a foreclosure noticeYou also state that you contacted CMS at the end of April and requested the amount to reinstate your loan from foreclosureShortly thereafter, you received a mortgage statement from CMS showing a past due amount of $31,You further state that you sent CMS a cashier’s check for that amount; however, CMS returned that cashier’s check to you with a letter notifying you that your loan was referred to foreclosureYour complaint expresses dissatisfaction that CMS did not provide you with a reinstatement quote and that your calls were not transferred to a CMS supervisor at your request As you know, the servicing of your Federal Housing Administration (“FHA”) insured loan was transferred from [redacted] (“***”) to CMS on December 1, On December 5, 2015, CMS issued the attached Notice of Service Transfer (“Hello Letter”) notifying you of the service transfer to CMSAt the time of the service transfer your loan was severely delinquent and showing due for the March 1, mortgage payment As a preliminary matter, CMS understands that your complaint raises certain claims regarding the loan servicing practices of your prior loan servicerPlease be advised that CMS is unable to comment on behalf of your prior loan servicerAccordingly, CMS encourages you to contact your prior loan servicer directly for any questions or comments you may have regarding the servicing your loan prior to December 1, On December 18, 2015, due to the fact that payments were not being received on the account, CMS issued the attached Notice of Intent to Foreclose (“NOI”) to you via certified mailThis NOI explained that your loan was in default for the nonpayment of the March 1, mortgage payment and provided $20,(less the unapplied funds of $82.51) as the amount required to cure the delinquencyThis letter also notified you that failure to cure the delinquency within thirty days may result in acceleration of the sums secured by the Mortgage and in the sale of the property In response to your claim that you received no communication from CMS for an approximate period of five months or until the end of April 2016, we are able to confirm that CMS issued multiple notices to you which included the above referenced Hello Letter, multiple NOIs, escrow analysis, and notices that were required to be sent to you under the Servicemember’s Civil Relief Act (“SCRA”)These notices were sent to you to the mailing address of record which was and still is [redacted] ***, [redacted] *** While CMS is unable to comment on whether or not you personally received or viewed the multiple notices that were sent to you by CMS, we are satisfied that CMS properly notified you of the service transfer to CMS and provided you with information sufficient to allow you to make mortgage payments to CMSMoreover, CMS also made multiple attempts to contact you via telephone at [redacted] Should you wish to notify CMS of any change to your mailing address, such signed notification should be sent to CMS’s Customer Service Research Department via fax at [redacted] Due to the ongoing delinquency and because CMS received no contact from you, the subject loan was reviewed and approved for foreclosure effective April 5, The loan was contractually delinquent and due for the March 1, mortgage payment at the time of the foreclosure referral On April 19, 2016, you contacted CMS for the first time and during this phone conversation, the CMS representative you spoke with provided you with the status of your loanYou inquired as to the amount that was necessary to reinstate the loan from foreclosureThe CMS representative notified you that a reinstatement quote would be requested and once available, the amount to reinstate your loan from foreclosure would be emailed to youDue to the status of the account, CMS was required to obtain information from third party vendors regarding unbilled default-related fees and costs in order to complete the reinstatement quote During its course of business, CMS issued a mortgage statement to you later that same day, a copy of which is included here for your ease of referenceOn April 20, 2016, CMS contacted its foreclosure counsel and requested the outstanding fees and costs associated with the foreclosure referralOn April 26, 2016, the outstanding fees and costs were provided to CMS and a CMS representative intended to open a task within CMS’s loan servicing system to have a Reinstatement Notification sent to youCMS is able to confirm that due to an inadvertent clerical error, that task was not opened correctly which prevented a Reinstatement Notification from being sent to you as intendedCMS would like to sincerely apologize to you for any inconvenience you may have experienced due to this inadvertent and isolated clerical error On or about May 17, 2016, CMS received a cashier’s check (number [redacted] ) in the amount of $31,which was sufficient to pay the past due payments but did not include necessary amounts to pay the default related fees and costs incurred as a result of the loan being referred to foreclosureThat same day, CMS returned the $31,to you along with the attached letter notifying you that the payment was being returned to you because the loan was in foreclosure and specific payment arrangements were not approved by CMS to accept less than the amount to reinstate your loan from foreclosure On May 23, 2016, you contacted CMS and inquired as to the reason CMS returned the payment of $31,to youAfter speaking with you, the CMS representative discovered that you paid the $31,after receiving a mortgage statement from CMSThe CMS representative notified you that in order to accept funds from you, a new reinstatement would need to be orderedThe CMS representative then ordered the new reinstatement that same day On May 25, 2016, CMS contacted its foreclosure counsel and requested the outstanding fees and costs associated with the foreclosure referralOn May 26, 2016, the outstanding fees and costs were provided to CMS and a CMS representative properly opened a task within CMS’s loan servicing system to have a Reinstatement Notification sent to you by mailOn June 2, 2016, CMS mailed the attached Reinstatement Notification to you providing $36,as the amount to reinstate your loan from foreclosure on or before July 2, which included the June and the July mortgage paymentsOn June 3, 2016, CMS sent a copy of the Reinstatement Notification to you via email Please be advised that once CMS was made aware that a reinstatement quote was not delivered to you timely, CMS took the necessary actions to place the foreclosure process on hold which stopped the accrual of the estimated foreclosure fees and costs that you would have been required to pay with the reinstatement quote good that was intended to be provided to you good through May 11, CMS has confirmed that because the foreclosure process was placed on hold, the reinstatement quote provided to you on June 2, did not include certain estimated foreclosure fees and costs which caused the amount required from you to reinstate the loan from foreclosure to be reducedAs of the date of this letter, CMS is not in receipt of funds necessary to reinstate your loan from foreclosure Finally, regarding the alleged poor customer service and communication you received, an investigation concerning your allegations will be conducted by CMS and CMS will take whatever action necessary in light of our findingsCMS sincerely apologizes if the level of customer service provided to you by CMS did not meet your expectations Based on the foregoing, we believe the record is clear that CMS has properly notified you of the service transfer to CMS, and that multiple notices were sent to you by CMS prior to the end of April Although CMS sincerely apologizes for any inconvenience you may have experienced due to delay in providing you with the amount to reinstate your loan from foreclosure, CMS has confirmed that the estimated foreclosure fees and costs were reduced due the foreclosure process being placed on holdShould you wish to further discuss any aspect of your loan, we encourage you to contact CMS’s Home Retention Department at [redacted] for further assistance We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at [redacted] , Monday through Friday, 8:AM to 5:PM, Eastern Time Sincerely, [redacted] Customer Advocate CC: Revdex.com IMPORTANT DISCLOSURES -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] ***, or by calling [redacted] Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/ -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at [redacted] or toll-free TDD [redacted] , or by going to [redacted] You can also contact the CFPB at [redacted] , or by going to [redacted] -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA DISCLOSURE- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at [redacted] -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at [redacted] , Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at [redacted] *** TEXAS: Notice to Texas Residents: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, [redacted] ***A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT [redacted]

October 8, 2015 [redacted] RE: Loan No.: [redacted] Case No.: [redacted] Property Address: [redacted] Dear Mr. [redacted] : The Customer Advocate Department of Carrington Mortgage Services,... LLC (“CMS”) is in receipt of your complaint filed with the RevDex.com received in our office via email on September 18, 2015. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in your complaint. As we understand your recent complaint, you stated that CMS cashed and processed your June 1, 2015 payment on June 23, 2015; however, the July 1, 2015 payment was also cashed but not credited to your loan. You also cited that you had sent in your bank statement indicating the July 2015 payment had cleared your financial institutions but received no response from CMS. Your desired resolution is to locate the July 2015 payment, have the payment posted to your loan and remove any false information that may have been reported to the credit agencies ( [redacted] , [redacted] and [redacted] ). We have completed a review of your loan and find that on August 14, 2015 you contacted our Customer Service Department and spoke with a representative regarding the July 1, 2015 payment. During your conversation, you stated that you received a letter advising that the July 1, 2015 payment was not received; however, you advised our representative that you did send the payment to CMS. The representative encouraged you to fax a letter and a copy of your bank statement as proof the payment in question had been received and processed by CMS. On August 17, 2015, check number [redacted] for $780.33 was located and applied to the July 1, 2015 payment using the effective date received of July 22, 2015. It is our finding the funds were inadvertently applied to another loan in error as your payment was misrouted due to the fact that it was delivered to our lockbox facility with no loan number, no payment coupon from the billing statement and no instructions as to its proper application. You also allege you submitted multiple complaints to CMS but that we had failed to respond to the issues raised in your complaints. Our records indicate that our Customer Research Department received two written complaints from you. One complaint was received on September 11, 2015 and the second complaint was received on September 15, 2015. Since the complaints were not signed by you, our Customer Research Department issued two responses advising that all correspondence to CMS must bear your signature. Please be advised that it is CMS’s policy to require all written complaints/disputes to contain the borrower’s actual signature and such signature must match one or more of the original loan documents. This action is taken by CMS in an effort to protect the non-public private information of its customers and is within the bounds of federal, state and local laws and the related servicing agreement. CMS respectfully submits that the practice to require a physically signed complaint/dispute is common within the mortgage servicing industry. Lastly, in regard to the “Notice of Intent to Foreclose” issued on August 6, 2015, you may disregard the notifications issued to you as the July 1, 2015 payment was located and applied to your loan. A request has also been submitted to remove the $20.00 Property Inspection fee that was billed to your loan on September 3, 2015. As of the date of this letter, your loan is contractually current and due for the October 1, 2015 payment. In closing, your July 1, 2015 payment was located and applied to your loan using the effective date received of July 22, 2015, the “Notice of Intent to Foreclose” issued on August 6, 2015 may be disregarded, a request has been submitted to remove the $20.00 Property Inspection fee billed to your loan, and the delinquency reported to the credit agencies in connection with the July 1, 2015 payment has been removed. Again, please accept our sincere apology for any inconvenience this issue may have caused you. We trust this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact the undersigned at [redacted] , Monday through Friday, from 8:00 AM to 5:00 PM, Pacific Time. Sincerely, [redacted] Customer Advocate Department CC: RevDex.com -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] ***, or by calling [redacted] . Please include your loan number on all pages of correspondence. The CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:00 a.m. to 8:00 p.m. Eastern Time, Monday through Friday. You may also visit our website at carringtonms.com. -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan. If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney. -CREDIT REPORTING- We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purpose. This notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States. -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at [redacted] or toll-free TDD [redacted] , or by going to [redacted] . You can also contact the CFPB at [redacted] , or by going to [redacted] . -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. -SCRA DISCLOSURE- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at [redacted] . -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determination. You may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at [redacted] , Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time or by mail at [redacted] ***.

They allowed us to determine the closing location and time

September 21, ORIGINAL SENT VIA REGULAR MAIL [redacted] RE: Loan No.: [redacted] File No.: [redacted] Primary Borrower: [redacted] Secondary Borrower: [redacted] Property Address: [redacted] Dear Mr& Mrs [redacted] : The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) received in our office via email on August 24, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in your inquiry As we understand your complaint, you allege that your loan was transferred from [redacted] (“ [redacted] ***”) to CMSYou go on to say that you applied for mortgage assistance because you have experienced financial hardship and that CMS has denied your applications without properly notifying you of its decisionAs a result, you believe that CMS is intentionally limiting your ability to apply for a loan modificationConsequently, your desired resolution is for CMS to specifically enumerate the information and documents you are required to submit in order to be reviewed for mortgage assistance and to be able to discuss your mortgage assistance options with a CMS representative At the outset, please note that the servicing of your loan was transferred from [redacted] to CMS on or about December 3, At the time of the service transfer your loan was contractually delinquent and due for the November 1, payment Based on a review of your loan, our records indicate that on December 25, CMS sent you a Home Affordable Modification Program Solicitation letter (“HAMPSL”)For your reference, attached hereto as Exhibit “A” please find a copy of the December 25, HAMPSLThe purpose of the HAMPSL was to advise you that CMS offers several loss mitigation options if you are having difficulty making your monthly mortgage payments Additionally, the HAMPSL further advised you that if your mortgage assistance application was previously declined because you did not meet certain eligibility requirements, and your circumstances have changed, then CMS may still be able to provide you with mortgage assistanceFurthermore, the HAMPSL also advised you that CMS would first determine if you were eligible for HAMP based on your current financial situation, and that to conduct an evaluation, CMS would need a complete initial package consisting of a Request for Mortgage Assistance (“RMA”) packet, the Internal Revenue Service (“IRS”) Form 4506T, and documentary evidence of all incomePlease note that CMS did specifically advise you that in order to determine your eligibility for mortgage assistance, our office would need to receive a complete application inclusive of all documentary evidence of income On January 24, our records indicate that CMS sent you a HAMP Right Party Contact Notice (“HAMPRPCN”)For your reference, attached hereto as Exhibit “B” please find a copy of the January 24, HAMPRPCNThe purpose of the HAMPRPCN was to remind you that mortgage assistance may still be available for youOnce again, CMS enclosed the RMA packet, the IRS Form 4506T, and a comprehensive list of required financial information should you want to apply for mortgage assistanceLastly, you were advised to submit a complete application inclusive of all documents required by no later than February 8, and to contact CMS’s Home Retention Department (“HRD”) with any questions you may have at [redacted] Monday through Friday, from 7:00AM to 6:00PM, Pacific Standard Time On February 11, our records indicate that CMS received a mortgage assistance application from you and that we sent you an Initial Package Acknowledgment Incomplete Notification (“IPAIN”) on that same dateFor your reference, attached hereto as Exhibit “C” please find a copy of the February 11, IPAINThe purpose of the IPAIN was to advise you that CMS was in receipt of your mortgage assistance application and that your application was incompleteSpecifically, you were advised that not all of the required documents were submitted which included: 1) One (1) full month of pay stubs for all borrowers with year-to-date earnings, 2) Tax returns for all borrowers (most recent year filed, signed copies required), 3) Complete and signed IRS Forms 4506T for all borrowers, 4) Two (2) most recent bank statements for all borrowers, and 5) A complete and signed RMA form for both borrowers Additionally, you were advised that all of the aforesaid items needed to be submitted by no later than March 13, in order to review your application for mortgage assistanceIn an effort to expedite receipt of the additional documents and review your application for mortgage assistance, CMS also advised you to submit your documents via fax at [redacted] or via email at [redacted] Lastly, please note that CMS also advised you to contact our HRD at [redacted] Monday through Friday, from 7:00AM to 6:00PM, Pacific Standard Time with any questions or concerns regarding your mortgage assistance application Subsequently, on March 20, our records indicate that CMS sent you a Home Affordable Modification Program Non-Approval Notice (“HAMPNAN”)For your reference, attached hereto as Exhibit “D” please find a copy the March 20, HAMPNANThe purpose of the HAMPNAN was to advise you that CMS was unable to review your mortgage assistance application for a HAMP loan modification because you did not provide our office with all the documents requested on or before March 13, Also, you were reminded to contact our HRD at [redacted] Monday through Friday, from 7:00AM to 6:00PM, Pacific Standard Time with any questions or concerns regarding your HAMPNANLastly, CMS also advised you to contact the U.SDepartment of Housing and Urban Development (“HUD”) to speak with a HUD-approved housing counselor regarding alternatives to avoid foreclosure by calling [redacted] or by visiting [redacted] Our records further indicate that on March 28, we received a new mortgage assistance application from youAfter a thorough review of your mortgage assistance application, our records indicate that on March 31, CMS sent you an Initial Package Acknowledgment Complete Notification (“IPACN”) confirming receipt of your mortgage assistance applicationAdditionally, the IPACN also advised you that CMS would review your application and confirm if you were eligible for mortgage assistance inclusive of a formal payment plan, special forbearance plan, loan modification program, short sale/short payoff, or deed-in-lieu of foreclosureFor your reference, attached hereto as Exhibit “E” please find a copy of the March 31, IPACN Thereafter, on April 17, our records indicate that CMS sent you a Home Affordable Modification Program Non-Approval Notice (“HAMPNAN”) advising you that we were unable to offer you a HAMP loan modification subject to the guidelines under HAMP Tier I because your debt-to-income (“DTI”) ratio was already below the HAMP program guideline of 31%In other words, at the time of your denial, your current monthly housing expense – inclusive of the monthly principal and interest payment, property taxes, hazard insurance and homeowner association fees (if any) – was already less than or equal to 31% of your gross monthly incomeLastly, please remember that the purpose of a HAMP Tier I loan modification is to bring your payment to 31% of your DTI ratio and your current DTI ratio was already below that figureFor your reference, attached hereto as Exhibit “F” please find a copy of the April 17, HAMPNAN After that, on February 3, our records indicate that CMS sent you another HAMPRPCNFor your reference, attached hereto as Exhibit “G” please find a copy of the February 3, HAMPRPCNThe purpose of the HAMPRPCN was to again remind you that mortgage assistance may still be available for youOnce again, CMS enclosed the RMA packet, the IRS Form 4506T, and a comprehensive list of required financial information should you want to reapply for mortgage assistanceLastly, you were advised to submit a complete application inclusive of all documents required by no later than February 23, and to contact our HRD with any questions you may have at [redacted] Monday through Friday, from 7:00AM to 6:00PM, Pacific Standard Time On February 17, our records indicate that we received a new mortgage assistance application from youAfter a thorough review of your mortgage assistance application, our records indicate that on February 20, CMS sent you an IPACN confirming receipt of your mortgage assistance applicationAdditionally, the IPACN also advised you that CMS would review your application and confirm if you were eligible for mortgage assistance inclusive of a formal payment plan, special forbearance plan, loan modification program, short sale/short payoff, or deed-in-lieu of foreclosureFor your reference, attached hereto as Exhibit “H” please find a copy of the February 20, IPACN Then, on April 6, our records indicate that CMS approved and sent you notification of a USDA Special Forbearance Plan (“USDASFP”)For your reference, a copy of the USDASFP is attached hereto as Exhibit “I”The purpose of the USDASFP was to advise you that the plan would provide you with temporary payment relief because the documentation you submitted demonstrated that your ability to make regular mortgage payments was interrupted by a verifiable loss of income due to circumstances that were beyond your control Additionally, the USDASFP also advised you that in order to accept the offer, you would need to return the signed plan on or before May 1, and before making the payments provided in the payment scheduleMoreover, you were also advised that during the plan you would only be required to make the plan payment amount and not your current monthly mortgage payment – even if you received a monthly statement reflecting your regular payment amount(Emphasis added)Furthermore, the USDASFP also confirmed that your mortgage was contractually due for the November 1, payment as of the effective date of the planAs a result, in an effort to assist you with bringing your loan current, CMS approved a plan asking that you make a total of four (4) paymentsSpecifically, the plan asked that you make a payment in the amount of $on or before May 1, 2015, a payment in the amount of $on or before June 1, 2015, a payment in the amount of $on or before July 1, 2015, and a final payment in the amount of $10,on or before August 1, Upon successful completion of the plan, your loan would have been current through August and next due for the September 1, monthly mortgage payment That said, our records do indicate that you made three (3) of the four (4) USDASFP paymentsSpecifically, on April 27, you made a payment in the amount of $183.00, on June 3, you made another payment in the amount of $183.00, and lastly, on July 6, you made a payment in the amount of $for a total amount paid of $Moreover, our records also indicate that you did not make the final plan payment in the amount of $10,Resultantly, CMS was unable to apply your three (3) payments in the total amount of $towards your loan because that amount was short of the total amount due to bring your account currentLastly, as of the date of this correspondence, our records also indicate that your payments in the total amount of $were applied towards your unapplied funds credit balance On July 20, our records indicate that we received a new mortgage assistance application from youAfter a thorough review of your mortgage assistance application, our records indicate that on July 21, CMS sent you an IPAINFor your reference, attached hereto as Exhibit “J” please find a copy of the July 21, IPAINThe purpose of the IPAIN was to once again advise you that CMS was in receipt of your mortgage assistance application and that your application was incompleteSpecifically, you were advised to submit the monthly living expense sheet by no later than August 25, in order for CMS to determine your eligibility for mortgage assistance That same date, on July 21, our records also indicate that CMS sent you a Notice of Intent to Foreclose (“NOI”)For your reference, attached hereto as Exhibit “K” please find a copy of the July 21, NOIThe purpose of the NOI was to advise you that your loan was in default and due for the November 1, through July 1, mortgage paymentsYou were also advised that you have an unapplied funds credit balance in the amount of $and that a payment in the amount of $10,was required to cure the delinquency Additionally, the NOI also advised you that failure to cure the delinquency within thirty (30) days from the date of the letter may result in the acceleration of the sums secured by the Deed of Trust/Mortgage and in the sale of the propertyLastly, you were again reminded to contact our HRD by calling [redacted] if you were unable to bring your loan current or to contact a HUD-approved counselor for homeownership counseling and to discuss alternatives to foreclosure by calling [redacted] or by visiting HUD’s webpage at [redacted] On August 20, 2015, our records indicate that CMS sent you another HAMPNAN advising you that we were unable to offer you a HAMP loan modification subject to the guidelines under HAMP Tier I because your DTI ratio was still below the HAMP program guideline of 31%In other words, at the time of your denial, your current monthly housing expense – inclusive of the monthly principal and interest payment, property taxes, hazard insurance and homeowner association fees (if any) – was already less than or equal to 31% of your gross monthly incomeFor your reference, attached hereto as Exhibit “L” please find a copy of the August 20, HAMPNAN In closing, our records indicate that on September 2, we received a new mortgage assistance application from youAfter a thorough review of your mortgage assistance application, our records also indicate that on September 5, CMS sent you an IPACN confirming receipt of your mortgage assistance applicationAdditionally, the IPACN also advised you that CMS would review your application and confirm if you were eligible for mortgage assistance inclusive of a formal payment plan, special forbearance plan, loan modification program, short sale/short payoff, or deed-in-lieu of foreclosureFor your reference, attached hereto as Exhibit “M” please find a copy of the September 5, IPACN Lastly, as of the date of this correspondence, our records also indicate that your most recent mortgage assistance application has been submitted to CMS’s Underwriting Department and that a final mortgage assistance decision is expected on or before October 5, – which is approximately thirty (30) days from the date we received and acknowledged your complete mortgage assistance application As a result of our investigation and review of your account, we find no evidence of wrongdoing on CMS’s behalfContrary to the allegations, CMS has provided timely notices advising you of your loan delinquency status and to contact CMS’s HRD with any questions or concerns you may have regarding your request for mortgage assistanceIn addition, CMS has provided clear notices and reminders, all in accordance with program guidelines, notifying you of the precise information missing from your applications and the deadlines by which such information must be submittedNevertheless, CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you wish to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at [redacted] , Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can also send written correspondence including inquiries and complaints about your mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] or fax your correspondence to [redacted] We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at [redacted] , Monday through Friday, from 8:00AM to 5:00PM, Pacific Time Sincerely, [redacted] CC: Revdex.com -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] ***, or by calling [redacted] Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/ -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at [redacted] or toll-free TDD [redacted] , or by going to [redacted] You can also contact the CFPB at [redacted] , or by going to [redacted] -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA DISCLOSURE- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at [redacted] -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at [redacted] , Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at [redacted] ***

Carrington Mortgage Svc llc took over my home owners loan, since they have taken over a year ago they have continued to call me every month requesting payment up to a week after my payment clearsFor June payment the payment was set up on the 30th of May and check was mailed on the 1stI continued to receive calls till 6/from Carrington After repeat calls from Carrington Mortgage and me informing them that the pymt was made on the 1st, I followed up with the bank the check dated 6/1/16, ck number had cleared my bank on the 8thAgain I informed Carrington to stop calling me, and also that there processing was an issue Customer care agent [redacted] informed me at that time to start sending my checks to the overnight address at Carrington Mortg Svc, llc Attn Cashiering dept [redacted] *** He said that way the payment would get processed the next business dayThen again this month I arranged the check to send on 7/1/16, I have rec

My mortgage # [redacted] with Carrington Mortgage was recently sold by [redacted] to Carrington I contacted the Carrington several times when I was notify by [redacted] of the sale and I was advise my customer service representative of Carrington that my loan was not on the system A week later I received a letter in the mail with a default threats and a USD $charged date 06/03/ I believe I should not be responsible for this charge of $since I have not defualted on this loan to Carrington and is not my fault they did not have me on the system

I HAVE A MORTGAGE THROUGH CARRINGTON AND ON THEIR WEBSITE THEY STATE THAT THE YEAR END TAX PAID AS WELL AS THE INSURANCE PAID IS NOT BE USED FOR TAX PURPOSESTHEY REFUSE TO SEND ME A YEAR END TAX STATEMENT, ALTHOUGH THEY CLAIM THAT THEY HAVE SENT ONE TO THE GOVERNMENTWHEN I ASKED [redacted] TO SPEAK TO THE SUPERVISOR HE PUT ME ON HOLD AND SAID HE WAS TALKING TO HER AND SHE STATED THAT THERE WAS NOTHING THEY COULD DOI ASKED AGAIN TO SPEAK TO THE SUPERVISOR WAS SENT TO HER VOICE MAIL [redacted] SUGGESTED THAT I CHECK MY LAST MORTGAGE STATEMENT FOR THE ANNUAL TAX AND INTEREST INFORMATION, BUT THEY DO NOT PROVIDE A WAY TO ACCESS PAST STATEMENTS ONLINE

December 27, Original response sent via regular mail [redacted] , [redacted] RE: Loan No.: [redacted] File No.: [redacted] Borrower: [redacted] Property Address: [redacted] , [redacted] , [redacted] Dear Ms [redacted] : The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) received in our office via email on November 29, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in your inquiry As we understand the complaint, you state that CMS acquired the servicing to your loan in August of Immediately after the service transfer, you claim to have received a mortgage statement indicating that your loan was delinquent and due for an amount in excess of $2,Although you allege that CMS has confirmed receipt of your payments since the service transfer, you contend that CMS has been unable to properly apply your payments to the loanAs a result, you feel that CMS’s actions in servicing your loan are discriminatory and improper and are adversely impacting your credit ratingConsequently, your desired resolution is for CMS to remove any derogatory account information reported to the credit reporting agencies, to properly apply your mortgage payments to your loan, and to allow you to resume making mortgage payments via your online account As a preliminary matter, please accept this correspondence as confirmation that CMS does not engage in any type of illegal activity, predatory or fraudulent practices, or discriminationSpecifically, CMS abides by all federal and state laws and submits that we have properly serviced your loan pursuant to the terms of your mortgage loan agreement At the outset, please note that the servicing of the loan was transferred from Ditech Financial, LLC to CMS on or about August 16, At the time of the service transfer, your payment history indicated that your account was contractually delinquent and due for the February 1, mortgage paymentWe have reviewed the loan servicing records in an effort to address the issues raised in the complaint and we can confirm that the loan did in fact transfer to our office a few days after having been approved for a permanent loan modificationHowever, based on the prior servicer’s records, it is evident that at the time that CMS acquired the loan the terms of the loan modification had not yet been applied to the loanConsequently, that is the reason why your account showed a delinquent status when our office started servicing the loan That said, please accept this correspondence as confirmation that CMS has made all of the necessary updates to your account to reflect the modification terms previously approved by your prior servicerDespite our best efforts, we were unable to match the data with the terms of the modification offered by your prior servicer in as timely a manner as you may have anticipatedNevertheless, CMS would like to take this opportunity to sincerely apologize for any delays on our end as we worked on rebuilding the terms in order to finalize the loan modification and update your accountRest assured that CMS strives to accommodate all reasonable customer expectations and resolve all customer requests as timely as possible and that the underlying causes for this delay have been addressed and resolvedFor your reference and review, attached hereto as Exhibit “A” please find a copy of the loan modification that CMS offered you that resembles the modification terms offered by your prior servicerWe note here in passing that you agreed to and returned the fully executed CMS loan modification to our office on or about October 24, Furthermore, solely as an expression of our commitment to the highest standards of customer satisfaction and not as an admission of fault or wrongdoing, CMS has suppressed all of your credit reporting since the effective date of the service transferIn other words, CMS suppressed all of your credit reporting starting with August of through December of Additionally, pursuant to the Consumer Financial Protection Bureau (“CFPB”) guidelines, we have also suppressed your credit reporting for sixty (60) days upon receipt of your complaintSpecifically, we received your complaint on November 29, and the sixty (60) days will expire on January 28, As a result, CMS will resume monthly reporting of your account status and payment history to the credit reporting agencies in February of Lastly, on December 13, 2017, our records indicate that CMS applied all of your mortgage payments to your accountAs of the date of this correspondence, your account is current through December of and the next payment due is scheduled to be paid on January 1, in the amount of $For your reference and review, attached hereto as Exhibit “B” please find a payment history and account balances along with the transaction codes and definitions Based on the foregoing, CMS understands your frustration and we sincerely apologize for any perceived unprofessional or uncooperative customer service you believe you may have received due to the delay in matching the modification figures, drawing a new modification agreement, modifying your loan, and applying your paymentsPlease know that CMS is doing everything in its power to prevent any similar reoccurrencesFinally, if you have any questions with regard to the loan modification, please contact our Home Retention Department at (800) 790-9502, Monday through Friday, from 7:00AM to 5:00PM, Pacific TimeIn closing, you should know that CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you want to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at (800) 561-4567, Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can also send written correspondence including inquiries and complaints about your mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, P.OBox 5001, Westfield, IN or fax the correspondence to (800) 486-*** We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at (866) 874-5017, Monday through Friday, from 8:00AM to 5:00PM, Pacific Time Sincerely, [redacted] Customer Advocate CC: Revdex.com Important Disclosures -VERBAL INQUIRIES & COMPLAINTS- For verbal inquiries and complaints about your mortgage loan, please contact the Customer Service Department for Carrington Mortgage Services, LLC, at 1-800-561-between 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/ -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at (800) 569-or toll-free TDD (800) 877-8339, or by going to http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfmYou can also contact the CFPB at (855) 411-2372, or by going to www.consumerfinance.gov/find-a-housing-counselor -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA Disclosure- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-888-267- -NOTICES OF ERROR AND INFORMATION REQUESTS, QUALIFIED WRITTEN REQUESTS (QWR)- Written complaints and inquiries classified as Notices of Error and Information Requests or QWRs must be submitted to Carrington Mortgage Services, LLC by fax to 800-486-5134, or in writing to Carrington Mortgage Services, LLC, and Attention: Customer Service, P.OBox 5001, Westfield, IN Please include your loan number on all pages of the correspondence You have the right to request documents we relied upon in reaching our determination You may request such documents or receive further assistance by contacting the Customer Service Department for Carrington Mortgage Services, LLC toll free at (800) 561-4567, Monday through Friday, 8:a.mto 8:p.mEastern TimeYou may also visit our website at https://carringtonms.com/

June 1, [redacted] RE: Loan No.: [redacted] Primary Borrower: [redacted] Co-Borrower: [redacted] Property Address: [redacted] **, [redacted] Complaint I.DNo.: [redacted] Dear Ms [redacted] : The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a complaint filed with the Revdex.com (“Revdex.com”) regarding the above-referenced loan received in our office via email on May 23, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry As we understand the complaint, you state that your closing attorney had requested CMS to provide an updated payoff statement on May 16, You claim that as of May 20, 2016, CMS had not issued the requested payoff statementYou express dissatisfaction with the level of customer service you received from CMS when attempting to speak to CMS supervisors and to individuals within CMS’s Payoff Department to expedite the delivery of the payoff statementFinally, you also express dissatisfaction that CMS representatives have refused to provide you with a verbal amount to pay the loan off in full A review of our records shows that on April 15, 2016, you contacted CMS and requested the CMS representative to provide you with a payoff statement outlining the amount to pay off your loan in fullAs you know, CMS returned the attached payoff statement to you via email at [redacted] on April 18, That payoff statement provided $136,as the amount to pay the loan off in full on or before May 1, On April 19, 2016, CMS sent a copy of that payoff statement to your closing attorney via fax at [redacted] , and another copy of which was sent to you via first class mail later that same dayIn total, three payoff statements were promptly provided by CMS within only three business days Please be advised that while every payoff statement issued for your loan contained a total of seven pages as shown within the attached April 18, payoff statement, CMS is only providing a copy of the first page of each subsequent payoff statement to avoid an unnecessary use of resources and to limit the duplicate documentation CMS is providing you to support this response letter On April 25, 2016, CMS issued a new payoff statement to your closing attorney via fax at [redacted] which again provided $136,as the amount to pay the loan off in full on or before May 1, On April 26, 2016, your closing attorney contacted CMS and requested that an updated payoff statement be issued to his officeThat very same day, CMS issued an updated payoff statement to your closing attorney via fax at [redacted] providing $137,as the amount to pay the loan off in full on or before June 1, The April 26, payoff statement was provided to you well in advance of your closing date of May 23, 2016, and was provided with a good through date of June 1, 2016, which was more than a week after your expected closing dateThus, CMS is uncertain as to why your closing attorney was unable to reply upon the April 26, 2016, payoff statementNevertheless, on May 19, 2016, you contacted CMS and requested that an updated payoff statement be provided to you via email and also requested that a copy of the payoff statement be faxed to your attention at [redacted] Later that same day, CMS issued the attached payoff statements to you via email at [redacted] and a copy was also faxed to your attention at [redacted] CMS would like to point out that the fax number you provided to CMS at that time was the same fax number that CMS was previously provided as the fax number for your closing attorneyAs you can see, each of the updated payoff statements provided $137,as the amount to pay the loan off in full on or before June 1, which was the same amount provided to your closing attorney on April 26, Even later on May 19, 2016, CMS received yet another request to provide another payoff statementDue to the high volume of payoff requests made that day, and due to the fact that this new payoff request was received by CMS late on Thursday, May 19, 2016, CMS returned a final payoff statement to your closing attorney on Monday, May 23, via fax at [redacted] This payoff statement again provided $137,as the amount to pay the loan off in full on or before June 1, 2016, which was the exact same amount that had been provided to your closing attorney on April 26, 2016, and that had been provided to you (by email) and your closing attorney (by facsimile) on May 19, Our records show that on May 24, 2016, CMS received payoff proceeds in the amount of $137,which were sufficient to pay your loan off in fullPlease be advised that CMS is currently taking the necessary actions required to complete the final reconciliation of the loanShould any escrow refund be forthcoming, such escrow refund will be issued by CMS within the timeframe required under applicable lawPlease note that any such refund will be sent to the mailing address of record which is currently [redacted] **, [redacted] *** CMS is sorry to hear that you are dissatisfied that CMS was unable to verbally provide you with the amount required to pay off your loan in fullPlease be advised that CMS does not provide such verbal payoff quotes in an effort to avoid any telephonic miscommunication that may occurMoreover, based on our understanding of industry standards, we respectfully submit that it is highly unlikely a closing company would rely upon a verbal payoff quote for the sale a property secured by a Deed of Trust/Mortgage In regard to your dissatisfaction that your calls were not transferred to representatives within CMS’s Payoff Department, please be advised that while CMS has a number of employees tasked with handling borrower calls, CMS’s Payoff Department employees are tasked with fulfilling payoff statement requests in a timely manner and do not handle such calls from borrowers or their respective third parties Finally, in response to the concerns you have raised with the customer service and communication you received from CMS, our records show that multiple CMS representatives have been professional and courteous to you and have attempted to assist you with your payoff requests time and time againOur records also show that your calls have been returned by CMS; however, the return calls made went unanswered by youNevertheless, we sincerely apologize if the level of customer service you received from CMS did not meet your expectations Based on the foregoing, we believe the record is clear that CMS has promptly provided you and your closing attorney with multiple payoff statements outlining the amount required to pay the loan off in fullIn fact, our records show that CMS issued a payoff statement as early as April 26, (nearly a month prior to your closing date of May 23, 2016) that provided the correct amount to pay the loan off on or before June 1, Should you wish to further discuss any aspect of the loan, we encourage you to contact CMS’s Customer Service Department at [redacted] for further assistance We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at [redacted] , Monday through Friday, 8:AM to 5:PM, Eastern Time Sincerely, [redacted] Customer Advocate CC: Revdex.com IMPORTANT DISCLOSURES -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] ***, or by calling [redacted] Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/ -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at [redacted] or toll-free TDD [redacted] , or by going to [redacted] You can also contact the CFPB at [redacted] , or by going to [redacted] -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA DISCLOSURE- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at [redacted] -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at [redacted] , Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at [redacted] ***

February 28, Original Response Sent Via Regular Mail [redacted] RE: Loan No.: [redacted] Property Address: [redacted] Complaint ID: [redacted] Dear Mr [redacted] : The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) received in our office via email on February 17, CMS is committed to responsible lending and servicing and we would like to address any concerns you may have The following is our response to the issue(s) raised in the inquiry As we understand the complaint, you state that although the servicing of your loan was transferred to CMS in November 2016, CMS has not reported any information to the credit reporting agencies and as a result your credit score has dropped The resolution you desire is for CMS to begin reporting your loan information to the credit reporting agencies As you know, the servicing of your Veteran’s Administration (“VA”) guaranteed loan was transferred from [redacted] (“JPMC”) to CMS on November 2, On November 11, 2016, CMS issued a Notice of Servicing Transfer (“Hello Letter”) notifying you of the service transfer At the time of the service transfer, your loan was contractually current and showing due for the November 1, mortgage payment It is important to note that, while CMS began servicing your loan as of November 2, 2016, the Real Estate Settlements Procedures Act (“RESPA”) at USC § 2605(d) prevents CMS from treating any payment as late for any purposes until the expiration of sixty days after the effective date of the servicing transfer Commonly, loan servicers utilize this sixty day transfer period to review the acquisition file received from the prior servicer and to ensure the records of the acquiring loan servicer reflect the correct loan information and status of the loan In order to comply with RESPA guidelines, CMS suppressed the reporting of loan and payment information for the period of sixty days following the servicing transfer of loans to CMS On February 9, 2017, you contacted CMS because CMS had not reported any information to the credit reporting agencies The CMS representative reviewed your account and informed you that CMS would be reporting the following day Unfortunately, the information that was conveyed to you was inaccurate The CMS representative should have informed you that the first reporting was not scheduled to be transmitted until March 10, We sincerely apologize that you were provided inaccurate information As stated above, CMS was scheduled to start reporting your loan information to the credit reporting agencies on March 10, 2017; however, CMS received this Revdex.com complaint on February 17, As a result, pursuant to Consumer Financial Protection Bureau (“CFPB”) guidelines, CMS is required to suppress the reporting of loan and payment information to your credit profile for a period of sixty days after receipt of a qualified written request and/or a Notice of Error The suppression is due to expire on April 17, The next credit reporting for your loan is scheduled to be transmitted on May 10, As of the date of this letter, your loan is current and due for the March 1, payment of $ Based on the foregoing, we believe the record is clear that CMS has properly followed applicable law and suppressed the reporting of your loan information to the credit reporting agencies CMS sincerely apologizes if this has created an inconvenience for you, as our sole intent has been to comply with applicable law Should you wish to further discuss any aspect of your loan, we encourage you to contact our Customer Service Department at [redacted] for further assistance We trust that this communication addresses all of the concerns noted in the complaint If you have any further questions, please contact the undersigned at [redacted] , Monday through Friday, 8:AM to 5:PM, Pacific Time Sincerely, [redacted] Customer Advocate CC: Revdex.com

August 18, [redacted] Wilson, NC RE: Complaint No: [redacted] Loan No.: [redacted] Property Address: [redacted] ** [redacted] Dear Mr [redacted] and Ms [redacted] : The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) received in our office via email on July 23, CMS is committed to responsible lending and servicing and we would like to address any concerns you may have The following is our response to the issue(s) raised in the inquiry As we understand your complaint, you claim that when your loan transferred to CMS your loan was due for the April 1, payment, and that you were unable to make your payment because you did not know where to send your payment since you did not receive any correspondence regarding the service transfer from CMS until the end of April You go on to say that CMS has not sent you any billing statements, but that CMS has sent you correspondence regarding fees assessed to your loan You allege that when you contacted CMS to inquire about these fees, you were informed they were late fees for April and May You express concerns and claim that CMS should not have charged you any fees during the first sixty (60) days after the loan service transfer You also state that it has been difficult getting through to CMS by telephone and when you have spoken to a CMS representative you were not pleased with the interaction or outcome Upon review, our records show that the servicing of this Federal Housing Administration (“FHA”) insured loan was transferred from [redacted] (“***”) to CMS on or about April 2, Attached for your ease of reference is a copy of the April 6, Notice of Service Transfer (“Hello Letter”) sent to you by CMS that notified you of the service transfer This notice also included the address to send your payment and information regarding your payment options At the time of the service transfer your loan was contractually due for the April 1, payment In addition, we note that you filed for protection in Chapter bankruptcy on August 15, 2014, Case number [redacted] and received a discharge on November 19, While CMS began servicing the loan on April 2, 2015, the Real Estate Settlement Procedures Act (“RESPA”) at USC 2605(d) prevents CMS from treating any payment as late for any purposes until the expiration of sixty days after the effective date of the servicing acquisition This sixty day period is specifically intended to allow the acquiring servicer the necessary time to receive the acquisition file from the prior servicer and to ensure the records of the acquiring servicer reflect the correct loan information Included in that process are the reviews and complete post-transfer diligence and escrow analysis that are due within sixty days of the acquired date Upon further review, our records show that on April 14, 2015, CMS received a call from you and during this call the CMS representative completed a welcome call by going over your loan information, including your new CMS loan number, the status of the loan, the amount due, and the payment options available with CMS, and also verified your contact information In addition, you informed the CMS representative that you planned on setting up your account on the CMS website at [redacted] and would be making your payment using this website Later that day, the records show that you logged into the CMS website and activated your online account On May 7, 2015, CMS issued the attached Notice of Intent to Foreclose (“NOI”) This notice explained that the loan was in default for the nonpayment of the April 1, contractual payment and provided $2,as the amount required to cure the delinquency, which represents the combined amount of the April and May payments This letter also notified you that failure to cure the delinquency within thirty days may result in acceleration of the sums secured by the Mortgage and in the sale of the property Please be advised that the NOI is a system generated letter that is issued for every loan that has become past due for more than thirty one (31) days and is required by law prior to any initiation of foreclosure proceedings Also, that same day a property inspection was requested as required by established CMS loan servicing policy and procedures for a loan thirty (30) or more days past due Subsequently, on May 11, 2015, you called CMS to schedule a payment by phone to be processed on May 16, in the amount of $1,for your April 1, payment You also informed the CMS representative that you would pay the May payment before the end of the month On May 20, 2015, CMS completed the required post service transfer Escrow Analysis and on that same day, CMS sent you an Annual Escrow Account Disclosure Statement (“AEADS”) which informed you that your payment would increase from $1,to $1,beginning with the July 1, payment Attached is a copy of this AEADS for your ease of reference On June 5, 2015, you called CMS and during this call you scheduled two payments by phone, the first one to be processed on that same day in the amount of $1,which was applied to your May 1, payment, and a second payment to be processed on June 12, in the amount of $1,for your June 1, payment On June 11, 2015, you called CMS again to change the previously scheduled payment from June 12, to June 18, This change was completed as requested On July 1, 2015, CMS received the completed property inspection and assessed the associated fee of $to the loan On July 17, 2015, CMS received a payment from you via the CMS website in the amount of $1,This payment was applied to the July 1, payment in the amount of $1,and $was applied towards the late fee due in the amount of $ On July 21, 2015, you called CMS to inquire why you were not receiving monthly billing statements The CMS representative explained to you that CMS does not send billing statements to borrowers whose debt was discharged through bankruptcy except upon request She also informed you that, if you would like, CMS would provide a copy of the billing statement for informational purposes only and not as an attempt to collect a debt The reason for this policy is that CMS does not wish to attempt to collect a debt from anyone whose liability on a mortgage loan has been discharged in bankruptcy On that same day, CMS sent you a copy of the billing statement, a copy of which is also attached here for your ease of reference On August 14, 2015, you called CMS to inquire about the fees assessed to your loanThe CMS representative informed you that the fees in question included a late fee in the amount of $assessed to your loan for the July 1, payment as that payment had been received after the fifteen (15) day grace period, and a property inspection fee in the amount of $assessed to your loan July 1, Below is a payment summary from date of loan service transfer to August 14, for your ease of reference Lastly, we reviewed the CMS website records and it showed the payment amounts for your April, May and June payments were reflected in the amount of $1,each and your July and August payments reflected in the amount of $1, In addition, after July 1, 2015, the website showed you owed an additional sum in the amount of $which represented the property inspection fee Also, after July 16, 2015, the website showed an additional sum in the amount of $which represented the late fee assessed Based on the foregoing, we conclude that CMS provided information regarding the service transfer and payment options in a timely fashion In addition, the property inspection was requested and completed in accordance with the established policy and procedure and the late fee was also accurately assessed in accordance with the terms and conditions of the Note In closing, we acknowledge that during the period immediately after the transfer of the loans from BofA, CMS experienced an unusually high volume of callsConsequently, although CMS strives to answer all customer calls promptly, customers calling CMS may have occasionally experienced infrequent hold periods longer than we prefer while waiting to speak with a CMS representativePlease note that CMS did everything in its power to speak with all customers and answer as many calls as possible within a reasonable timeframeNevertheless, CMS understands your frustration and we sincerely apologize for any inconvenience you may have experiencedAdditionally, we believe that the underlying causes for the delays have been resolved and it is unlikely that you will experience similar wait times going forwardOnce again, CMS sincerely apologizes for any inconveniences you may have experienced and we will continue to improve on our services in order to offer a better experience for all of our customers We trust that this communication addresses all of the concerns noted in the complaint If you have any further questions, please contact the undersigned at [redacted] , Monday through Friday, 8:AM to 5:PM, Pacific Time Sincerely, [redacted] Customer Advocate CC: Revdex.com -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] ***, or by calling [redacted] Please include your loan number on all pages of correspondence The CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at [redacted] -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at [redacted] or toll-free TDD [redacted] , or by going to [redacted] You can also contact the CFPB at [redacted] , or by going to [redacted] -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA Disclosure- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief For additional information and to determine eligibility please contact our Military Assistance Team toll free at [redacted] -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determination You may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at [redacted] , Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at [redacted] *** North Carolina: Carrington Mortgage Services, LLC is licensed under the North Carolina Agency Permit No& and North Carolina Secure and Fair Enforcement Mortgage Licensing Act [redacted] ***

I have attempted to pay my house payment on line However, Carrington's system keep stating the routing number is incorrect I called customer service twice and was told by both reps that they do have the number stored in their system, but to double check with [redacted] to make sure nothing changed I have done that already and verified the routing number is correct Carrington will still not process the payment, but want me to pay a fee to make the payment over the phone I feel this is the root of the problem They have confirmed the routing number is in their system and that it is the same as the one I have entered The first representative said to call back once I verified no changes were made and the payment could be processed with out a fee However, this is not the case

we have had many issues in getting the proceeds from an insurance claim that began in May We had a tree fall on our garage during a wind storm at our home ( [redacted] ***), and have since been fighting to get the funds released to us to complete our garageThe original check from our homeowners insurance expired because we kept getting the run around from CarringtonOur loan was sold to your company a few years ago by Bank of AmericaIn June of we sent the insurance check to the loss drafts department, it was sent back to us no less than three times because of endorsement issuesDuring the claims process we found out that our garage was grossly under insured, and we would have to come up with roughly $18,of our own money to cover the difference between the covered amount and the amount it will cost to have a contractor do the workAt one point we weren't sure that we would have been able to do thatWe reached out to the loss draft depa

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The solution you present does not allow me to pay extra escrow or principal prior to the due date of the 1st of the monthIt only allows me to pay the mortgage amount beforehand, Furthermore, the suggested workaround for this is unacceptableThat workaround is to enter the mortgage amount on one transaction, then enter the additional principal or escrow amount in the Other field, then contact CMS via phone or letter and advise them how to apply that amount - to escrow or principalI reiterate my concern that this is only meant to acquire the maximum interest from me and I will not consider this issue resolved until I can make payments with additional principal/escrow on a schedule that represents good fiscal sense on my part Regards, [redacted]

June 1, [redacted] *** RE: Loan No.: [redacted] Borrower: [redacted] Property Address: [redacted] ***, [redacted] ***, [redacted] ***Complaint I.DNo.: [redacted] Dear Mr [redacted] : The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a complaint filed with the Revdex.com (“Revdex.com”) regarding the above-referenced loan received in our office via email on May 16, CMS is committed to responsible lending and servicing and we would like to address any concerns you may have The following is our response to the issue(s) raised in the inquiryAs we understand your complaint, you state that you have experienced difficulty with CMS’s Loan Servicing Website (“LSW”) and claim that the LSW does not allow you to reset your account password You claim that the LSW issues you have experienced have prevented you from making no-cost online mortgage payments and have forced you to make mortgage payments to CMS by telephone for a fee Your complaint expresses dissatisfaction that CMS’s escrow cushion requirement increased from that of your prior loan servicer causing your payment to increase by $ You are requesting CMS to continue with the same escrow cushion requirement as your prior loan servicer and for CMS to update its LSW to allow users the ability to reset account passwords Finally, you are also requesting CMS to eliminate the practice of charging a fee to make phone paymentsAs you know, the servicing of your Federal Housing Administration (“FHA”) insured loan was transferred from [redacted] (“***”) to CMS on April 2, On April 6, 2015, CMS issued the attached Notice of Service Transfer (“Hello Letter”) notifying you of the service transfer to CMS At the time of the service transfer, your loan was contractually current and showing due for the April 1, mortgage payment in the amount of $1, That payment was made up of principal and interest in the amount of $and a monthly escrow collection in the amount of $Please be advised that the Real Estate Settlement Procedures Act (“RESPA”) requires that an escrow analysis be completed within sixty days of a service transfer It is important to note that the analysis of your escrow account does not in any way change your fixed interest rate of 5% and your monthly principal and interest payment remains unaltered In addition, a condition of your FHA loan requires you to maintain an escrow account for the payment of hazard insurance and property taxesIn compliance with the RESPA escrow analysis requirement, CMS completed an initial escrow analysis for your loan and issued the attached escrow analysis notification to you on May 18, The escrow analysis projected total annual escrow disbursements in the amount of $3,108.02, which included a hazard insurance premium in the amount of $578.00, property taxes in the amount of $1,and a FHA Mortgage Insurance Premium (“MIP”) in the amount of $ RESPA guidelines limit the amount of funds a loan servicer may require a borrower to hold in an escrow account, commonly known as an escrow cushion Although RESPA does not require the lender to maintain a cushion, RESPA does allow a loan servicer to maintain an escrow cushion equal to two months (one-sixth) of the amount of the total annual disbursements paid out of an escrow account (not including MIP)Because the total annual escrow disbursements for your loan (not including MIP) were projected to be $2,354.78, your escrow account was required to have a minimum balance of $at all times ($2,divided by equals $392.46) Based upon the projected disbursement date of your escrowed items, CMS determined that your escrow account would have a deficit of $in May Because you are required to have $in your escrow account at all times, CMS determined that your escrow account would contain an escrow shortage in the amount of $1,at that time ($plus $equals $1,127.48)In order to prevent any undue hardship, CMS spread the escrow shortage of $1,over a period of twelve months which resulted in an increase to your monthly mortgage payment from $1,to $1,effective with the July 1, mortgage payment For your ease of reference, a breakdown of the July 1, mortgage payment is outlined below Principal and Interest: $ Base Escrow Collection: $ ($3,divided by 12) Monthly Escrow Shortage: $ ($1,divided by 12) July 1, Payment $ 1,On December 18, 2015, CMS completed a new escrow analysis for your loan to fall in line with the [redacted] annual escrow analysis cycle and issued you the attached new escrow analysis notification This new escrow analysis projected your total annual escrow disbursements to be in the amount of $3,228.50, which included a hazard insurance premium in the amount of $578.00, increased property taxes in the amount of $1,913.34, and a reduced MIP in the amount of $ As allowed under RESPA guidelines, CMS continued to require an escrow cushion equal to two months (one-sixth) of the amount of the total annual disbursements paid out of an escrow account (not including MIP)Because the total annual escrow disbursements for your loan (not including MIP) were projected to be $2,491.34, your escrow account was required to have a minimum balance of $at all times ($2,divided by equals $415.22) Based upon the projected disbursement date of your escrowed items, CMS determined that your escrow account would have a balance of $in June Because you are required to have $in your escrow account at all times, CMS determined that your escrow account would contain an escrow shortage in the amount of $at that time ($minus $equals $366.64)CMS spread the escrow shortage of $over a period of twelve months which resulted in a decrease to your monthly mortgage payment from $1,to $1,effective with the February 1, mortgage payment For your ease of reference, a breakdown of the February 1, mortgage payment is outlined below Principal and Interest: $ Base Escrow Collection: $ ($3,228.50divided by 12) Monthly Escrow Shortage: $ ($divided by 12) February 1, Payment $ 1,Please be advised that CMS currently has no plans to change its escrow cushion requirement policy and CMS intends to continue the practice to require borrowers to maintain a two month escrow cushion (unless prohibited by applicable law) This practice is in place to ensure that escrow accounts are properly funded to avoid CMS having to advance its own funds for the payment of escrow items that are to be paid by borrowersIn regard to the concerns that you have experienced with CMS’s LSW, please be advised that CMS’s LSW does in fact have the functionality to allow borrowers the ability to reset their account password as shown below CMS takes the protection of customer information very seriously, and we are proud of our reputation for adhering to the highest standards of data protection We are happy to confirm that CMS employs state of the art information security technology to ensure that all information exchanged through the LSW is properly protected, and we regularly evaluate our information security policies, procedures and systems to make certain that our security protocols are up to dateCMS is sorry to hear that you have experienced difficulty with CMS’s LSW that may have caused your account to be locked While CMS is uncertain as to the exact reason your account may have been locked CMS is able to confirm that an account will become disabled if a user enters an incorrect password more than five times This is another feature that CMS employs to protect customer information Should an LSW account become disabled, the customer is required to contact CMS’s Customer Service Department at [redacted] and the CMS representative will promptly reactivate the LSW account while the customer is on the phone once the customer verifies his or her identityCMS has thoroughly reviewed its records and has confirmed that you have contacted CMS only once on October 16, to request your LSW account to be reactivated As you may recall, the CMS representative who assisted you immediately reactivated your LSW account after you verified your identityPlease be advised that CMS has confirmed that your LSW account is activated and unlocked at this timeIn response to your claim that CMS has forced you to make phone payments to CMS for a fee, please be advised that there are a number of methods available to you to make payments to CMS that do not require the use of CMS’s Interactive Voice Response (“IVR”) phone payment system that charges a customary fee of $ You may access CMS’s LSW at [redacted] for a list of the available payment delivery options and addresses to send mortgage payments to CMSPlease note that CMS currently has no plans to change its practice to charge a phone payment fee of $for use of its IVR phone payment systemAs of the date of this letter, your loan is contractually current and is showing due for the June 1, mortgage payment in the amount of $1, Attached for your ease of reference is a copy of your loan payment history as well as a copy of the loan servicing system payment codes and definitionsBased on the foregoing, we believe the record is clear that CMS has properly managed your escrow account and has permissibly required you to maintain two month escrow cushion It is also clear that CMS has not forced you to make phone payments to CMS via its IVR phone payment system Should you wish to further discuss any aspect of your loan, we encourage you to contact CMS’s Customer Service Department at [redacted] for further assistance We trust that this communication addresses all of the concerns noted in the complaint If you have any further questions, please contact the undersigned at [redacted] , Monday through Friday, 8:AM to 5:PM, Eastern TimeSincerely, [redacted] Customer Advocate CC: Revdex.com IMPORTANT DISCLOSURES -INQUIRIES & COMPLAINTS-For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] ***, [redacted] ***, or by calling [redacted] Please include your loan number on all pages of correspondence The CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/-IMPORTANT BANKRUPTCY NOTIyou have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney-CREDIT REPORTImay report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations-MINI MIRANDA-This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States-HUD COUNSELOR INFORMATIyou would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at [redacted] or toll-free TDD [redacted] , or by going to [redacted] You can also contact the CFPB at [redacted] , or by going to [redacted] -EQUAL CREDIT OPPORTUNITY ACT NOTICE-The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA Disclosure-MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief For additional information and to determine eligibility please contact our Military Assistance Team toll free at [redacted] -NOTICES OF ERROR AND INFORMATION REQUESTS-You have the right to request documents we relied upon in reaching our determination You may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at [redacted] , Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at [redacted] ***, [redacted] ***Texas:Notice to Texas Residents: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, [redacted] ***, [redacted] *** A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT [redacted]

1/6/was contacted by Carrington Mortgage Rep [redacted] about refinancing under the HARP loanHave copies of all email transaction where Mr [redacted] said not to pay mortgage payment till March On January 26,received a email from Mr [redacted] that we are approved and will close between 2/11-2/He also stated that I needed to make January payment in which I paid week laterIn the email he also stated I would have a partial payment in February and skip March with first payment being due 4/1/On January 30, received a email from Mr [redacted] stating thank you for your patience and they would get with me Monday so that they can bring financing to a closeOn 2/4/I emailed Mr [redacted] that January payment was made in which he replied okOn 2/12/I called and left message to Mr [redacted] asking when we were closingOn 2/once again I called and left message along with a email requesting a call back about closing dateAgain on February 18,

May 22, 2015 [redacted] RE: Loan No.: [redacted] Complaint ID No.: ... [redacted] Dear Ms. ***: The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the RevDex.com (“BBB”) received in our office via email on April 30, 2015. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in the inquiry. As we understand your complaint, you claim that you made a payment to CMS on March 17, 2015 in the amount of $1,890.37 and the payment was not applied to your loan as intended. You further state that when you contacted CMS you were informed that the payment had been wired to [redacted] (“ [redacted] ***”) with the service transfer on April 1, 2015; however, when you contacted [redacted] ***, they indicated that they have no record of this payment. Upon review, our records show that the servicing of this loan was transferred to [redacted] on April 1, 2015. A copy of the transfer notification letter dated March 9, 2015 is attached for ease of reference. At the time of the service transfer your loan was showing contractually due for the April 1, 2015 payment. Upon further review, the records show that CMS received a payment in the amount of $1,890.37 on March 17, 2015 and that this payment was applied to the suspense/unapplied account. Subsequently, on April 1, 2015, CMS completed the service release and your loan transferred to the new servicer with a due date of April 1, 2015, a principal balance of $276,250.00, an escrow balance of $1,029.53 and suspense funds in the amount of $1,890.37. You contacted CMS on March 23, 2015 and inquired about the aforementioned payment and the CMS representative informed you that the payment had been sent to the new servicer. On April 20, 2015, you contacted CMS again and during this call you informed the CMS representative that you had contacted [redacted] who indicated that they had no record of your payment in the amount of $1,890.37. The CMS representative informed you that she would open a ticket to have the matter researched. On April 24, 2015, you contacted CMS once again and you expressed concerns about your missing payment and indicated that [redacted] had not received your payment in the amount of $1,890.37 from CMS. The CMS representative again informed you that this payment had been sent to the new servicer at the time of transfer on April 1, 2015. On April 30, 2015, you contacted CMS once again and spoke to a CMS Supervisor who informed you that the research result indicated your payment in the amount of $1,890.37 had been sent to the new servicer on April 1, 2015 along with the escrow balance of $1,029.53 for a total transfer of funds in the amount of $2,919.90. On May 20, 2015, CMS contacted your new servicer and was able to confirm that they did receive the transfer of funds in the amount of $2,919.90 on April 1, 2015. We also confirmed that your payment of $1,890.37 had been applied to the May 1, 2015 payment and that the loan is current and due for the June 1, 2015 payment. Based on the foregoing we conclude that CMS properly completed the service transfer which included the aforementioned payment along with the escrow account balance on April 1, 2015 and, that CMS has confirmed receipt of these funds by the new servicer on that same day. Should you have any further questions or concerns regarding the payment in question, we encourage you to contact [redacted] directly at [redacted] . We trust that this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact [redacted] ***, at [redacted] , Monday through Friday, 7:00 AM to 7:00 PM, Mountain Daylight Time. Sincerely, [redacted] Customer Advocate CC: RevDex.com -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, [redacted] , or calling [redacted] . Please include your loan number on all pages of correspondence. The CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:00 a.m. to 8:00 p.m. Eastern Time, Monday through Friday. You may also visit our website at [redacted] . -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan. If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney. -CREDIT REPORTING- We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purpose. This notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States. -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at [redacted] or toll-free TDD [redacted] , or by going to [redacted] . You can also contact the CFPB at [redacted] , or by going to [redacted] . -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. -SCRA Disclosure- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at [redacted] . -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determination. You may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at [redacted] , Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time or by mail at [redacted] ***.