Carrington Mortgage Services LLC

This is hands down the worst company I have ever dealt withWhen they acquired my loan, they started my direct deposit early and I ended up double paying that monthWhen I requested a payoff, it took a week to send me an emailThe customer service personnel are some of the rudest people I have ever spoken withIt is sad that I have no choice and cannot choose my lender!

After weeks on the phone to get our taxes paid with NO HELP FOR THIS COMPANY! Not a professional company! Don't wish anyone to have to deal with these people!

Carrington purchased my mortgage from Bank of AmericaI pray every day that some other company will purchase my mortgage because this company is the worst company ever!!!!!! Their customer service stinks, they only contact you when your payment is dueThey never respond to phone calls or emails when you have questionsI don't know how they stay in businessWe have had our mortgage for many years and have NEVER been late on a payment until this company took over

I am shocked that Carrington Mortgage has a At rating with the Revdex.com!!! This company specializes in lying, cheating and stealing other peoples homes! I was with Chase for years and needed to modify my loan due to an over increase in my monthly paymentsAfter months of paperwork and finally being approved for the modification with Chase, they sold my mortgage to Carrington who demanded that I pay back the missed payments that Chase told me to skip (in order for me modification to be approved) plus my increased monthly payment or they were going to start the foreclosure processI have been on the phone with Carrington almost everydayI borrowed the money to pay them over 2k, I even put in an escrow accountIve made payments to Carrington, for over 2k, and for my regular paymentThis month I got a letter from them claiming an escrow shortage and they are increasing my payment to Carrington is NOT a mortgage companyThey should not even be in businessI have filed multiple complaints against them and against Chase and I will continue to do soI have warned every friend, every neighbor and every co-worker and every one on social media about Carrington and about ChaseI am praying someone will finally listen to all of us and shut this company down!!!

I had a very good experience with staff at Carrington They are very professional and courteousAll my questions were answered in a way I was able to understand the process

Carrington Mortgage Services does not let customers make the required monthly payments simply They also prevent the customer from making larger than the minimum payments, this way they can continue charging the account interest When making an additional payment on the principal, they charge fees Carrington Mortgage Services should NOT be allowed to continue taking advantage of Americans simple minds

Carrington Mortgage Services is by far the most unethical mortgage company I have dealt with in my years as a customer and of numerous banks and mortgage companies

I have been attempting to pay my mortgage payment online and by phone since Saturday, May 28, I receive messages that payments on my account are not being accepted by these methods I have also tried to reach a customer service representative today and one is not availableMy payment was due on May 1, 2016....I understand that I have to pay a late fee, (and request no pardon from that) however I do not understand being forced into a situation in which I am over days late which will be noted on my credit report
I am filing a complaint with the appropriate consumer advocacy/oversight agencies

Great company to work withI've had nothing but good experiences with the people thereI will definitely be recommending them to friends and family in the future

September 12, 2017 ORIGINAL RESPONSE SENT VIA REGULAR MAIL *** ***Lindsey *** *** *** ***
*** ** *** RE: Loan No.:
***Property Address: *** *** *** *** *** ** ***Case No: *** Dear Mrand Mrs***: 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 21, 2017. 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. At the outset, you should know that our Customer Service Research Department responded on August 4, to your initial complaint received in our office on July 6, 2017. Your most recent inquiry raises some of the same issues as the initial complaint that CMS responded to on August 4, 2017; however, CMS would like to take this opportunity to expand on our prior response and apologize that our original response failed to address all of your concerns After reviewing your payment history, it is evident that you submit your monthly mortgage payments in two (2) installmentsCorrespondingly, CMS has agreed to reverse the payment in the amount of $received on April 17, that was initially applied to your principal balance on April 20, The payment received on April 17, in the amount of $has been combined with the payment received on April 29, in the amount of $to satisfy your May 1, mortgage payment in the amount of $with the remainder, $5.78, applied towards your principal balance with an effective date of April 29, In addition, the payment CMS received in the amount of $on May 25, was combined with the payment received on June 6, in the amount of $to complete the June 1, mortgage payment in the amount of $with the remainder, $7.78, applied towards your principal balance with an effective date of June 6, 2017. It is important to note that your monthly mortgage payment amount increased from $to $effective with the July 1, mortgage payment in connection with the escrow analysis performed on your loan on May 12, For your reference, attached hereto as Exhibit “A” please find a copy of your May 12, escrow analysis. Accordingly, the payment that CMS received on July 4, in the amount of $was applied to your loan as the July 1, mortgage payment that same dayPlease note that in an effort to accept your payment and advance the due date, CMS shorted your escrow account in the amount of $to satisfy your July 1, mortgage payment due in the amount $944.97. Subsequently, on August 2, CMS received a payment in the amount of $which was applied to your loan as the August 1, mortgage payment that same dayOnce again, in an effort to accept your payment and advance the due date, CMS shorted your escrow account in the amount of $to satisfy your August 1, mortgage payment due in the amount $Accordingly, your escrow shortage balance increased from $to $39.94. On August 29, 2017, CMS received a payment in the amount of $1,Of that total amount, CMS applied $to your September 1, mortgage payment, $to your escrow shortage, and the remainder, $41.09, towards your principal balanceAs a result of this transaction, your escrow shortage balance was completely satisfied. On August 30, 2017, CMS received your most recent payment in the amount of $which was applied to your loan as the October 1, mortgage paymentPlease note that CMS again shorted your escrow account in the amount of $to satisfy your October 1, mortgage payment due in the amount $Accordingly, you currently have an escrow shortage balance due in the amount of $19.97. As of the date of this letter, your loan is next due for the November 1, mortgage payment in the amount of $and an escrow shortage balance in the amount of $for a total amount due of $For your reference, attached hereto as Exhibit “B” please find your payment history and account balances along with the transaction codes and definitions As a result of the above reversals and reapplication of your payments, the negative credit reporting information transmitted to the credit reporting bureaus has been corrected to reflect that the June 1, and the July 1, mortgage payments were received timely and within the month in which they became dueFor your reference, attached hereto as Exhibit “C” please find a copy of the Automated Universal Data (“AUD”) form submitted to all of the major credit reporting bureaus (TransUnion, Experian, and Equifax) with specific instructions to correct the June 1, and July 1, payment information reported on your accountPlease allow for up to thirty (30) days from the date of this letter for the credit reporting bureaus to receive and process the AUD form and to update and correct your credit report As a reminder, CMS would like to reiterate that partial payments submitted to CMS without posting instructions will be applied per the following payment hierarchy: principal, interest, escrow, negative escrow, negative principal, corporate advances, late charges, other fees and principalShould you wish to continue submitting your monthly payments in installments, please ensure that you are providing specific posting instructions with each paymentFurthermore, you should know that CMS offers automatic payment withdrawals that can be established on your loan to deduct from your bank account in semi-monthly or bi-weekly installmentsIf you would like to further explore this payment option, please contact our Customer Service Department directly at (800) 561-between the hours of 8:00AM and 8:00PM, Monday through Friday, Eastern TimeYou may also visit our publicly available website at www.carrington.com to enroll in the automatic payment option. In closing, CMS would like to apologize again for the response you received dated August 4, and for any inconvenience you may have experienced as a resultRest assured that CMS strives to properly address all customer inquiries and requests as timely as possible and that your dissatisfaction with the handling of your initial inquiry has been escalated to the management team of that particular business unit. Finally, please note that 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 (60) days after receipt of a Qualified Written Request and/or a Notice of Error. If you wish 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 Research Department, P.OBox 5001, Westfield, IN or fax your correspondence to (800) 486-5134. 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 (866) 874-5017, Monday through Friday, 8:AM to 5:PM, Pacific Time. Sincerely, *** ***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 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 (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 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 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 46074. 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/

I have contacted Carrington on multiple occasions because I am a 100% disabled vet and in the State of *** I pay no property TaxI sent that paperwork to Carrington in October of and April when I received the tax bill for under the law I had to be living in the house on Jan 1st for me to be Tax exempt of that yearSo on Jan this I paid my mortgage of and I have since paid the same amount on timeOn approximately 07/05/I noticed the my mortgage jump rom to because of projected Property Tax which I will not pay for the state of *** and cleveand countyI again called carrington to say this is not what its supposed to happen and sent the paperwork gain to prove I will not pay property tax for 2016, but today I get a letter dated 07/21/of my escrow breakdown which still shows that I have this payment to what they consider a payment shortage, my escrow only includes principle, interest and insurance NO TAXES

I am recently disabled and now on a fixed incomeI have been trying, unsuccessfully, to get a loan modification and Carrington is constantly “losing” paperwork I send themEvery time I call them (at least twice a week) they are missing something else I had already sent themThe customer service reps supposedly find and resubmit the missing paperwork, but Carrington still rejects the modification due to missing documents, that I have sent over and over again
This company only wants to take your houseThey say they want to help, but end up making excuses why they can’t
Do not do business with this company!

Payment made automatically through our bankCarrington made calls stating we owed an amount we did not recognize and that they did not receive our paymentFound out later our payment was in "suspense" because it was not for the full amountWe paid the short fall over the phone with their representativeContinued to receive foreclosure notices (have not missed any payments ever!) and phone callsAll calls ended with it being their mistake and they would resolveFinal call was today stating still no payment receivedAfter explaining, we were again told payment was in suspense and that we still owed $Asked for a breakdown of charges, payments, etcDeniedInformation they give on the phone does not match our account summary on the website

I have been faithfully making my mortgage payments to Carrington Mortgage Services, LLCon time through my bank's online bill pay service For some reason my payments have been credited back to me, beginning in mid-June Upon noticing the credits I sent them back to Carrington via my bank's bill pay service Again they were credited back to me I contacted my bank (***), which denied initiating the credits, and helpfully sent me a letter stating that I had made two electronic payment transactions to Carrington, both for *** for my mortgage payment My bank also stated in that letter that the payments were sent in a timely manner, and requested of Carrington the amendment of any negative credit ratings I sent a copy of that letter to Carrington I was hospitalized in late July and had no way to check my bank balance during my hospitalization Also during that time Carrington notified me that my July payment was delinquent Upon being discharged from the hospit

As with others my loan was sold to themThey claim I was a month late updating my payment to a new amount and started charging me a late fee every month over the few dollars difference in the payment amount for JanuaryTalking with them was no helpStay away from them if you can!

Loan#***
I applied for a modification on the above referenced loan 09/19/ I made my payment for September on 09/30/as I make my payment every month late on the last day of the month To my dismay as of 10/3/Carrington had not posted my payment so I called to find out why I was told it was not posted because I had applied for a modification and they hold payments when your account is being reviewed for modification I asked will this be reported to my credit bureau as days past due and I was assured it would not I was even asked by a representative named *** if I am not 30days past due why am I applying for a modification anyway Well surprise , surprise Carrington did in fact report me as being days past due for September as I had feared they would I was told to fax a copy of my credit report showing this to *** I faxed this on the 12th and 15th of October

This Mortgage carrier steals interestThere is no easy way to request extra principle paymentsThey claim that it is not their policy to apply extra principle payments unless you tell them to each and every monthAfter they took over serviceing my mortgage from *** ** *** they applied extra payments to future months, and when I called to request that they apply any additional payment above Monthly Principle, interest, and escrow payments they told me that it is not their policy to do that unless I tell them to do it each and every monthThat means that I am being overcharged interest each and every month if I don't request that extra go to Principle each and every monthIf I could give them stars I wouldThey are a fraudulent lender and I wish that *** ** *** had never sold my Loan to themNeither of the reps I spoke to cared that they were set up to cheat me all they cared to say was that it was their policy to cheat me if I didn't tell them each month to apply extra payments to principleThis is not after all when I asked *** ** *** to do the same thing they did it not hassle at allIf you value your money avoid at all costs

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 *** 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 *** 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

I am a percent disabled veteranCarrington mortgage received the documentation late November I have spoken with them and their tax department in reference to having an escrow analysis done and the refund of overpaid taxes every week since then and have been told to call back the next week each time, which I have doneI have not to this date received a resolve or any accurate information from customer service or the tax department in reference to an update of my mortgage to reflect my status or a refund of the $over paymentEach representative I have spoken with each week appears to not know how to handle my case

July 14,
*** ** ***
*** *** *** ***
*** ** ***
RE: Loan No.: ***
Borrower: *** *** ***
Property Address: *** *** *** ***, *** ** ***
Complaint I.DNo.: ***
Dear Ms***:
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 June 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 the inquiry
As we understand your complaint, you state that you received two insurance claim checks resulting from a loss to the property due to vandalism and water damage and that the claim checks were made payable to you and to CMSYou state that after you sent the checks to CMS to be endorsed, a CMS representative initially informed you that CMS would monitor the claim repair process; however, after you explained that the insurance claim checks were from two separate insurance claims the CMS representative acknowledged that the checks were initially identified as originating from a single claim and that the claim checks would be endorsed by CMS and returned to youYour complaint also expresses dissatisfaction with the level of customer service you received from CMS
A review of our records found that you initially contacted CMS on June 21, explaining that you had filed an insurance claim with your insurance company for loss suffered to the propertyThe CMS representative that you spoke with provided you with the address to send the insurance claim proceeds to CMS’s Loss Draft Department which is tasked with assisting customers with requests relating to the insurance claim process for loans being serviced by CMS
On June 24, 2016, CMS received two insurance claim checks from you totaling an amount of $12,The first check (number ***) was in the amount of $2,and the second check (number ***) was in the amount of $9,Please be advised that the claim checks were not accompanied by insurance adjuster’s report(s) that typically would be provided to CMS along with the insurance claim checksDue to an inadvertent and isolated clerical error, and because CMS was not in receipt of insurance adjuster’s report, CMS initially understood the total claim amount of $12,to have originated from a single insurance claim
Please be advised that it is CMS’s policy to monitor the repair process for insurance claims exceeding an amount of $10,Accordingly, CMS deposited the insurance claim checks totaling $12,into a restricted escrow account within your loan that is specifically established to hold insurance claim fundsIt is important to note that CMS does not typically endorse and release insurance claim funds to borrowers until the time that CMS is in receipt of the insurance adjuster’s estimate which outlines the insurance carrier’s basis for the claim payment amount as well as the amount of the estimated damages to the property
That same day, you contacted CMS’s Loss Draft Department and explained that the two claim checks originated from two separate insurance claimsDuring that phone conversation, the Loss Draft Specialist that you spoke with requested that you provide CMS with copies of the insurance adjuster’s estimates and explained that CMS would release the claim proceeds to you once CMS was in receipt of the insurance adjuster’s estimates confirming your explanation
On June 29, 2016, CMS spoke with you and during this phone conversation you indicated that you sent the insurance adjuster’s estimates to CMS’s Loss Draft Department on June 25, via faxAs you may recall, the Loss Draft Specialist explained that CMS received no such fax from you; accordingly, the CMS representative provided you with the email address to CMS’s Loss Draft Department and encouraged you to resend the requested information to CMS via email at your earliest convenienceCMS respectfully submits that because CMS was not in receipt of your June 25, fax, CMS was unable to contact you to confirm receipt of such fax as you requested
Shortly after providing you with the email address to contact CMS’s Loss Draft Department, CMS received the requested insurance adjuster’s estimates from you on the evening of June 29, Resultantly, CMS began taking the necessary actions to issue the insurance claim proceeds to youOur records show that the full insurance claim proceeds in the amount of $12,were issued to you on July 1, and that the claim checks were delivered to you at the property address on July 5,
Finally, a review of our records shows that multiple CMS representatives were professional and polite to you while working to assist you with your insurance claim related needsPlease be advised that it is necessary that you contact CMS’s Customer Service Department at *** *** and in the event that CMS’s Customer Service representatives are unable to provide you with general information relating to insurance claim process, your call will be transferred to CMS’s Loss Draft Department to speak to a Loss Draft Department for further assistanceAlthough CMS is satisfied that your calls were promptly and properly handled, 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 once CMS was in receipt of the requested insurance adjuster’s estimates on June 29, 2016, CMS issued the full amount of the insurance claim proceeds to you within only two daysCMS would like to take this opportunity to sincerely apologize for any inconvenience you may have experienced due to the inadvertent clerical error that caused CMS to believe both insurance claim checks originated from a single insurance claimShould you wish to further discuss any aspect of your loan, we encourage you to contact CMS’s Customer Service Department at *** *** 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 *** ***, Monday through Friday, 8:AM to 5:PM, Eastern Time
Sincerely,
*** ***
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, *** *** *** *** ** ***, or by calling ***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 *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-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 ***
-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 *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***
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*** *** *** *** *** *** * *** *** ** ***