Carrington Mortgage Services LLC

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

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

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!

Our mortgage company keeps trying to foreclose on usThey won't except any monies from us, unless it satisfies their "full amount"They are charging us unnecessary fees, and hurting our creditThey will not give us a loan modification or a refinance

The issue is about mis-reporting on my credit report for a payment that was made on March I have contacted the company many times to resolve this issue and each time the company has neglected to contact me or follow up in any wayI have screen shots, call logs and documentation to support my claimI do not want any refunds, I do not want anything that I am not owedI simply want my credit report to reflect my payment historyI have written Carrington Mortgage a formal request to assist me with this matter and still no reply

December 29, 2016 Original response sent via REGULAR MAIL *** ** ***
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*** *** *** *** *** *** *** ** *** Dear Ms***: 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 December 12, 2016. 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 Bank of America, N.A(“***”) transferred your loan to CMS and the next payment due on your loan is scheduled for January 1, You go on to say that you contacted CMS several times attempting to obtain your account information to no availYour desired resolution is for CMS to provide you with your CMS loan number and an address to send your mortgage payments As a preliminary matter, we are able to confirm that your loan was subject to a Chapter Voluntary Petition that was filed on February 4, and which was discharged on May 12, Furthermore, our records indicate that you did not reaffirm the mortgage debt; consequently, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status on the loanIf you wish to receive monthly mortgage statements, we encourage you to provide a signed written request to our Customer Service Research Department via facsimile at (800) 486-or via regular mail at P.OBox 3489, Anaheim, CA Upon further review, our records confirm that on November 10, 2016, *** sent you a Notice of Servicing Transfer (“Goodbye Letter”) advising you that the servicing of your loan was scheduled to be transferred to CMS on December 2, Additionally, the Goodbye Letter stated that you should contact CMS on or after December 2, to schedule future payments on your loanRegrettably, the Goodbye Letter also stated that the servicing of your loan would be transferred effective January 1, Attached for your review is a copy of the Goodbye Letter sent to you by *** on November 10, Please allow us to also confirm that the servicing rights to your loan were transferred from *** to CMS on December 2, and not on January 1, As of the date of the service transfer, our records indicate that your loan was contractually current and showing due for the December 1, mortgage payment in the amount of $1, For your reference, our records show that your account boarded our system on December 7, Although we acknowledge your attempts to contact us and obtain your account information, we submit that we were unable to provide you with your account information prior to December 7, because we were working to complete the service transfer of your loanAs you may be aware, during a servicing transfer the transferee servicer is required to conduct a thorough review of the transferred accounts to ensure that data is received properly, accounts are loaded into our servicing system of record properly, and that there are no discrepancies identified in the loan information receivedThis process generally takes several days, and until it is completed the transferee servicer is unable to conduct servicing activities Correspondingly, on December 7, 2016, CMS issued the attached Notice of Servicing Transfer (“Hello Letter”) notifying you of the service transfer to CMSRegrettably, due to an inadvertent clerical error, the Hello Letter provided a service transfer date of October 2, Please accept our sincerest apologies for this unintentional clerical error and any inconvenience this may have causedNevertheless, the Hello Letter provided you with the correct mailing address of P.OBox 79001, Phoenix, AZ for future payments, and the address and telephone number of the Customer Service Department for inquiries about the payment options available to youAdditionally, the accompanying Customer Self Help page provided you with the option of paying your mortgage payments via our online website, https://carringtonms.com, or our Interactive Voice Recognition (“IVR”) systemAttached for your review is a copy of the Hello Letter sent to you by CMS on December 7, That same day, CMS issued the attached Notice of Sale of Ownership notifying you of the sale or transfer of ownership of the loanThe notice of sale advised you that CMS now holds legal title to the loanAdditionally, the notice of sale advised you that CMS is responsible for all ongoing administration of the loan, including receipt and processing of payments, resolution of payment related issues, and response to any inquiries you may have regarding the loanRegrettably, the notice again provided an inaccurate sale date of October 2, As stated above, we sincerely apologize for the inadvertent clerical error and subsequent confusion that was caused by the Hello Letter and Notice of Sale of Ownership that you received from CMSFor your review, attached is a correction that CMS sent to your attention on December 16, clarifying that the sale date and transfer of your mortgage occurred on December 2, Please note that in accordance with the Real Estate Settlement Procedures Act (“RESPA”), CMS does not impose late fees during the sixty day period beginning on the date of transferAlso, CMS temporarily suppressed credit reporting for sixty days beginning on the date of transfer as a RESPA requirement On December 16, 2016, you called our Customer Service Department stating that the Goodbye Letter that you received from *** informed you that the first payment that was due and payable to CMS would be January 1, You went on to say that the Hello Letter that you received from CMS provided a service transfer date of October 2, In response, the customer service representative apologized for the confusion that was caused by our Hello Letter and stated that the date of the service transfer was December 2, Additionally, the representative informed you that because a payment had not been received for the month of December 2016, your December 1, mortgage payment in the amount of $1,would need to be paidNext, you stated that you had sent a payment via regular mail to *** on December 6, Lastly, the representative stated that once received, *** would forward the payment to our office for processingFinally, the representative confirmed that during the sixty day period beginning on the date of transfer, CMS temporarily suppresses credit reporting and would not impose late feesAs of today’s date, *** has not forwarded any payment you may have made toward the December 1, payment In closing, as of today’s date, your loan is currently due for the December 1, mortgage payment in the amount of $1,Attached for your review is a copy of your payment history along with the payment history codes and definitions Based on the foregoing investigation and review of your account, please know that we remain committed to the highest standards of customer satisfaction and sincerely apologize for any confusion you may have experienced due to the inaccurate service transfer date referenced on the *** Goodbye Letter and the CMS Hello LetterShould you wish to further discuss any aspect of your loan, we encourage you to contact the Customer Service Department at (800) 561-4567, Monday through Friday, from 8:00AM to 8:00PM, Eastern Time for further assistance We trust that this communication addresses all of the concerns noted in your 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, *** *** Customer Advocate Department 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, P.O Box 3489, Anaheim, CA 92803, or by calling 1-800-561-4567. 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 (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- 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 (800) 561-4567, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at P.OBox 3489, Anaheim, CA

April 16,2015*** ** ***F/K/A *** ** *** *** *** ** *** RE: Loan No.: *** Borrower: *** ** *** Property Address: *** *** ***, *** ** *** Complaint l.DNo.: ***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 abovereferencedloan 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.Upon review of your correspondence, CMS understands that you believe that you have overpaidfunds to CMS for the above referenced loanYou claim that instead of applying the funds toreduce your loan balance, CMS improperly applied the funds to your escrow account Afterrequesting and receiving a payoff statement from CMS, you submitted the required amount topay off your loanYou claim that CMS did not accept the payoff funds because the funds werenot sent to CMS via a bank wire transferYou requested a new payoff statement from CMS andbelieve CMS has assessed a duplicate recording fee of $16.00.As you are aware, the servicing of this Federal Housing Administration ("FHA") insured loanwas transferred from CitiMortgage Inc("Citi") to CMS on November 4, On November19, 2014, a Notice of Service Transfer ("Hello Letter") was issued notifying you of the servicetransfer to CMS.At the time of the service transfer your loan was contractually current and showing due for theDecember 1, mortgage payment in the amount of $The monthly mortgagepayment of $was made up of a principal and interest payment of $and a monthlyescrow collection of $Your outstanding principal balance was in the amount of$2,and your escrow account contained a balance of $1,at the time of the servicetransfer to CMS.On December 2, 2014, CMS received funds in the amount of $which were applied to theDecember 1, mortgage payment of$and the remaining $was applied towardsyour unpaid principal balanceThis brought your principal balance to $2,and yourescrow balance to $1, 157.03.On December 3, 2014, CMS received funds in the amount of $1,These funds wereapplied to the January I, and February 1, mortgage payments in the amount of$each for a total of $and the remaining $was applied to reduce yourprincipal balanceThe payment application resulted in your principal balance being reduced to$1,and your escrow account balance being increased to $1,426.79.On December 5, 2014, CMS disbursed $for the payment of your property taxesThatsame day, CMS disbursed your Mortgage Insurance Premium ("MIP") in the amount of $9.88.These escrow disbursements caused your escrow balance to be reduced to $451.91.On December 15, 2014, CMS completed an analysis of your escrow accountThis escrowanalysis determined that your escrow account contained a shortage in the amount of $Theescrow shortage was spread over twelve months and resulted in an increase to your monthlymortgage payment from $to $357.93, effective with the March 1, mortgagepayment.On December 31, 2014, CMS received funds in the amount of $,These funds wereapplied to the March 1, through the May 1, mortgage payments in the amount of$each for a total amount of $1,The remaining $was applied to the June 1,mortgage payment; however, CMS only applied $of the funds to reduce theprincipal balanceThese payment applications brought your unpaid principal balance to $728.53and brought your escrow balance to $1,On January 5, 2015, CMS disbursed your MIP inthe amount of $fTom your escrow account which reduced your escrow balance to $1,002.83.On February 3, 2015, CMS received funds in the amount of $These funds were appliedto the July 1, and August 1, mortgage payments in the amotmt of$each for atotal of $and the remaining $was applied to your unpaid principal balanceOnFebruary 5, 2015, CMS disbursed $from your escrow account for the monthly MIP paymentwhich brought your escrow balance to $1,and made your outstanding principal balance$287.34.On February 9, 2015, you contacted CMS and during this phone conversation you explained thatyou believed the loan should have been paid offYou explained that your recent mortgagestatement showed that your principal balance was $and that you sent that amount toCMSThe CMS representative explained that CMS applied each of the payments to the monthlymortgage payments and encouraged you to request a payoff statement via CMS 's online website.We would like to point out that this was the first time that you contacted CMS to discuss thepayoff of your loan and prior to this date CMS was not provided with any specific paymentapplication instructionsThat day, CMS received your online payoff statement request.On February 10, 2015, CMS issued you a copy of the attached payoff statementThis payoffstatement provided you with $as the amount to pay off your loan on or before March 1,It is important to note that although your principal balance was in the amount of $287.34your loan was contractually paid ahead and showing due for the September 1, paymentwhich caused the payoff statement to include an automatic interest credit of $OnFebruary 23, 2015, CMS received $which was applied to your principal balance whichbrought your principal balance to $10.23.On March 5, 2015, CMS disbursed $from your escrow account for the monthly MIPpayment which brought your escrow balance to $1,and your outstanding principalbalance remained $10.23.On March 24, 2015, CMS reversed the principal payment of $and placed these funds inan unapplied status, making your principal balance $The following day, CMS reversedan interest amount of $and placed the funds in an unapplied status bringing the unappliedstatus balance to $That same day, CMS applied $to satisfy the unpaid principalbalance and the remaining $was paid to the $recording feePlease note that CMSwaived the remaining $due for the one-time $recording fee.On April 6, 2015, CMS disbursed $from your escrow account for the final monthly MIPpayment which brought your escrow balance to $1,On April 9, 2015, CMS issued youan escrow refund in the amount of $1,which left $in your escrow accountOn April14, 2015, CMS issued you a final escrow refund of $which completed the finalreconciliation of your loan and left your escrow with a zero balance.For your ease of reference, please find the attached loan payment history along with CMS's loanservicing system payment codes and definitionsBecause CMS understands that the attachedloan payment history can be difficult to read, also attached for your ease of reference is a copy ofa detailed loan payment history summary that outlines the above referenced paymentinformation.Based on the foregoing, we believe the record is clear that CMS properly applied the initialpayments received from you beginning on December 2, and continuing through February 3,as CMS was not contacted by you prior to February 9, and was not provided withpayment application instructionsWhile CMS sincerely apologizes for any inconvenience thatmay have been caused due to CMS reversing the advanced interest payments, we believe thatCMS has properly applied all funds to your loan, has not charged you a duplicate recording fee(and in fact waived a portion of the actual fee incurred), and has refunded you all amounts due toyou within the timeframe required under applicable lawShould you wish to further discuss anyaspect of your accountwe encourage you to contact our Customer Service Department at ***
***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 *** ***, Monday throughFriday, 8:00AM to 5:00PM, Eastern Time.Sincerely,*** ***Customer Advocate

Very easy to work with and made the process as simple as possibleVery open communication and willing to answer any and all questions! Would definitely recommend to anyone!

Ben B*** and Thai D*** sure are an amazing team for Carrington in Anaheim, CaliforniaThey are super helpful and will walk you through the process of a cash out refinance

July 26, ORIGINAL RESPONSE SENT VIA REGULAR MAIL *** ** ***
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*** *** *** *** *** *** *** ** *** Dear Mr***: 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 6, 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 made a payment in December of in the amount of $3,which was intended to satisfy all outstanding late fees and the December 1, mortgage paymentRecently, you requested a payoff statement and were quoted a late fee balance in the amount of $1,You attempted to review your payment history via your CMS online account and were unable to retrieve the information you were looking forYou claim that you called CMS’s Customer Service Department and none of the representatives you spoke with were able to confirm how your payment from December of was applied to your accountDuring your phone conversations with our Customer Service representatives, you state that you were told that adjustments to your payments could not be made beyond sixty (60) days from the date of the initial transactionConsequently, your desired resolution is for CMS to remove or credit the late fee balance quoted in the payoff statement in the amount of $1,since you satisfied your late fee balance with your December payment in the amount of $3, As you may recall, on July 6, 2017, I personally called you in response to the complaint we received from the Revdex.com directed to our Customer Advocate DepartmentDuring that phone conversation, you expressed the exact same concerns that you raised in your complaintAccordingly, I proceeded to review your account and confirmed that I would explain how your payment in the amount of $3,received in our office on December 3, was applied to your accountSpecifically, I advised you that our records confirmed that you submitted your payment in the amount of $3,via your CMS online payment account and that I was unable to find any specific posting instructions indicating that you wanted to have a portion of your payment applied to the late fee balanceMoreover, I indicated that of the total payment amount of $3,764.64, CMS applied $1,to your December 1, mortgage payment, $1,to your January 1, mortgage payment, and the remainder, $945.56, towards your late fee balanceDuring this call, you advised me that you had intended for your payment to satisfy your December 1, mortgage payment in the amount of $1,and the remainder, $2,355.10, to satisfy your late fee balanceI acknowledged your explanation and again advised you that in my review of the payment transaction you initiated on December 3, via your CMS online payment account, I was unable to find any specific posting instructions indicating that you wanted to have portion of your payment satisfy the late fee balance Furthermore, I proceeded to confirm that at the time that CMS received your payment, your account was due for the December 1, payment in the amount of $1,and a late fee balance in the amount of $2,Upon completing the above referenced payment application, your December 1, and January 1, mortgage payments were satisfied and your late fee balance decreased from $2,to $1,You acknowledged my explanation of the payment application and we proceeded to review the subsequent payments you made on your account On December 19, 2016, you made a payment in the amount of $1,which was applied to your February 1, mortgage paymentOn February 4, 2017, you made a payment in the amount of $1,Of that total amount, CMS applied $1,to your March 1, mortgage payment and the remainder, $40.46, to your principal balanceThereafter, on March 4, 2017, you made a payment in the amount of $1,which was applied to your April 1, mortgage paymentThen, on March 20, 2017, you made a payment in the amount of $1,which was applied to your May 1, mortgage paymentA review of your payment history indicates that no payments were received from you during the months of April of or May of On June 7, 2017, you made a payment in the amount of $1,which was applied to your June 1, mortgage payment On or about June 28, 2017, our records confirm receipt of your payoff requestThat same day, your payoff request was forwarded to our Payoff Department for immediate processingThe next day, on June 29, 2017, CMS processed and delivered the Payoff Statement in response to the payoff request we received on June 28, During our same phone conversation, I explained that the Payoff Statement quoted figures good through August 1, and that your loan was due for the July 1, mortgage paymentWith regard to the late fee balance quoted in the amount of $1,465.92, I explained that $1,was your current outstanding late fee balance and the remainder, $56.38, would be due only if you paid your loan in full after the end of your late fee grace period pursuant to your mortgage loan agreementIt is important to understand that a late fee is assessed if your monthly mortgage payment is received more than days after the date your loan payment is contractually due; thus, if the payoff funds had been received after the late charge date, a late charge would have been due With regard to the payoff funds we received, please accept this correspondence as confirmation that CMS received payoff funds in the amount of $15,on July 14, and applied the funds to your loan that same day which paid the loan in fullFor your reference and review, attached hereto as Exhibit “A” please find a copy of the June 29, Payoff Statement and attached hereto as Exhibit “B” please find a copy of your payment history and account balances along with the transaction codes and definitions As it pertains to your concern that our Customer Service Department representatives were unable to address your question with regard to the application of your December 3, payment, we would like to take this opportunity to sincerely apologize for any perceived unprofessional customer service you believe you may have received from our office during our attempts to address your concernWhile our associates work hard to ensure they are providing accurate information to customers at all times, inadvertent mistakes may occur from time to timeRest assured that CMS strives to properly address all customer inquiries as timely as possible and that your dissatisfaction with this particular miscommunication has been escalated to the management team of that business unit In closing, please note that pursuant to Consumer Financial Protection Bureau 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 Based on the foregoing investigation and review of your account, CMS submits that we have now addressed all of your concernsFurthermore, our records are clear that CMS has not engaged in any type of illegal activity or fraudulent loan servicing practices, has abided by all federal and state laws, and has properly serviced your loan pursuant to the terms and conditions set forth in your mortgage loan agreementFinally, as it pertains to your request for CMS to waive the prior assessed late fees, please accept this letter as confirmation that CMS respectfully denies your requestIf 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 Time 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, *** ** *** 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 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/

We have a small mortgage with carrington, because of a loss of job & issues with our large mortgage (***) we are behind
In July of last year our home was hit by a major hail storm and suffered over )25,of damageOur insurance company that we pay for & pay to *** issued the insurance check with carrington & our name on it
Carrington has release only enough to pay for the roof but refuses to release the last $4,to pay for paint, windows, deck, outdoor fireplace & wants us to pay out of pocket & only hire licensed contractors even for the power washing of our fence! There's no need to hire a licensed contractor & pay the extra expense for them to hire a sub contractor just to do the final items!
I have contacted them numerous times! And every time I get a different answer from them! They will tell us to do something, we will do what they ask us to do only to find out later or even the next day that we have to do something else!
You very ra

This company is absolutely horrible! They keep screwing up our payments, which are set up for auto draft per their websiteThey are applying funds for principle only rather than half of the monthly payment, then calling us several times a day, asking for the paymentWe have spoken with both customer service reps as well as supervisors, who have assured us the issue is fixed, only to have the same problem againI have checked, double checked, and triple checked that the "principle only" box is not checked
This is not the first time we have had this issueLast year the same thing happened & we even received a certified letter stating that they were going to begin pre-foreclosure on our propertyI was curious considering I had made our payment every month
Add to that the fact that you can't do much on the website, most info comes through snail mail, and I am doneWe have stopped payment through our bank until they get the issue fixed, so I now have to pay an extra $a month to pay mortgage bc they can't do their jobs
Unfortunately for them, they will be losing our businessWe are going to have our property refinanced with another companyHopefully one that has a clue how to apply payments properly

This was a wonderful experience My loan officers were very knowledgeable and were very easy to reach by phone or emailThey really made the process quick and painless

The last quarter of I had issues with my Mortgage payment not being cleared from my Star accountI send online payment thru my bank and was receiving calls from CarringtonSpoke to someone who told me my Dec payment needed to be cancelled ($to cancel a ck) and reissued because it was January and my payment had not cleared
I contacted my bank and then the check processing facility to be told my Payment had reached ** *** *** *** ** *** The same address I have been sending payments to for a yearCalled and told Carrington this and they said noTwo days later that check cleared my accountHmm Funny
NOW I find out Carrington has put neg marks on months of my credit reportFor what?! My monthly payments were made and this was nothing more than a ploy from this mortgage company to charge me fees
I have written them times and finally received a response telling me they dont care about my dispute and they will not remove anything
This mortgage company is

I was in a car accident the morning after I got paid,which is when I usually make my house payment It was Friday the 13th I was taken to the ER and later that evening was released with several types of medication for pain I was medicated and in bed all weekend Then on Monday the 16th at 4am I awoke in a panicI realized it was the last day to make my payment so I rushed to the website I always make my payments online, which is what I did then, realizing that it states that any payments AFTER the 16th will be assessed a late fee I received a text at 2:the next day, Tuesday the 17th letting me know my payment was received Then on Thursday the 19th I received another text saying my payment was returned I wasn't able to call until Friday the 20th to see what was going on and the woman on the phone was very harsh She said I had made the payment on an account that was closed I told her I was using the account and it was NOT closed She checked what was entered on Mon

Called my mortgage company and asked about refinancing my home loan which they where happy to help withAfter going through the process and having my credit pulledThe person helping me said they had to go to doctor and would call me back that nightAfter waiting a day and no contact called them back and no one could tell me who I needed to talk to and that a manager would have to help me and they where in meetingsTold to call back next dayAfter waiting a day called back and again was directed to a managerOf course I never got to speak to a manager and talked to someone else which told me they would figure it out and call me backBeen a week and nothing has happened heard from no oneSo now they have pulled my credit for no reason and affected my credit score by doing so and can't get anyone to do anything to resolve this

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 (*** ** *** ** *** *** *** ** ***), 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

Carrtington bought my loan from Bank of AmericaI paid off the loan within month for the Bank of America saleWhile I received all my documents in time, escrow overage check of $2,was the only thing that somehow got “lost in mail”! After phone called customer service reps kept asking for more time and things like “stop payment” and reissue checkIn general it seems like company is delaying the payment of such small $ amounts so that eventually people forgetI request a full review of uncashed escrow overages of this companyI suspect the company is engaged in willful negligence to avoid paying escrow balances which people may forget in due courseHave called times without resolution so far

Carrington Mortgage Services, LLC pulled my credit on more than one occasion Sent me more than one pre-approval letter for a loan for a USDA loan Then I was told through more than one other agency that the USDA does not accept any less than a credit score of My credit score was below that The Carrington Mortgage representative suddenly went off the grid and will not return my emails or contact me I am sure my credit score was lowered by a point or two having them pull my credit on more than one occasion I do not appreciate getting approved for a loan that obviously could have went through I have the pre-approval letters that were sent to me