Carrington Mortgage Services LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I believe that colelcting an escrow cushion is an unfair practice when it was not colleted by the lender with whom we obtained a mortgagrCarrington has horrible customer service, as every time that I call, I am on hold for + minutes before I am ablet o speak to a live personIn addition, the amount Carrington has calculated for our escrow cushion is incorrect because they had the wrong amount for our homeowner's insurance, and I have called twice to point this out in the past two weeks, and the new escrow analysis statement has still not been completed
Regards,
*** ***

*** *** *** *** *** ** *** RE: Loan No.: *** Borrower: *** *** Property Address: *** *** *** *** *** ** *** Dear Mr***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of your complaint filed
with the Revdex.com ("Revdex.com") received in our officevia email on June 15, CMS is committed to responsible lending and servicing and wewould 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 do not understand why CMS's online payment websitedoes not allow you to make additional payments directly against the principal balance of the loanwhich you assert is a requirementAdditionally, you claim that your loan does not contain apenalty for early payoff and that, by not accepting additional principal payments through itsonline payment website, CMS is intentionally attempting to ensure the maximum amount ofinterest is obtained during the life of the loan.While we sincerely regret the inconvenience it has caused that CMS's no-cost online paymentoption currently only allows for the payment of funds equal to the total amount due, we canassure you that CMS's online payment system is in compliance with applicable lawPlease notethat CMS is working to enhance the online payment system to allow borrowers greater paymentoptions.In the interim, you may make additional payments towards the principal balance by calling ourCustomer Service Department or through the regular mail to CMS at the following address:Carrington Mortgage Services, Attention Payment Processing, *** *** *** *** ***The Customer Service Department can be reached at *** ***, Monday throughFriday, 8:AM to 8:PM, Eastern TimeIf the payment is sent through the mail, pleaseinclude sufficient information to identify the account and that the additional funds are to beapplied to the principal.Based on the foregoing, we believe the record is clear that CMS has properly serviced your loanand has also notified you of the payment options available to pay additional amounts towardsyour principal balanceWe trust that this communication addresses all of the concerns noted inthe complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:00AM to 5:00PM, Pacific Time.Sincerely, *** ***Customer AdvocateCC: *** *** (Revdex.com San Diego)

December 11,
*** ** ***
*** ** ***
*** *** *** ***
*** ** ***
RE: Complaint ID No.: ***
Loan No.:
***
Property Address: *** *** *** *** *** ** ***
Dear Mrand Mrs***:
The *** *** 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 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 the inquiry
As we understand your complaint, you express concerns with CMS and the 1/6th escrow cushion requirement which has increased your monthly payment by $20.00. In addition, you claim that the terms of your mortgage indicate a limit of 1/12th of the annual escrow disbursement and therefore, you have contacted CMS to have the escrow cushion amount reduced; however, CMS has declined your request. Lastly, you allege that CMS did not offer you the option of paying the escrow shortage in order to avoid the increase to your monthly payment.
At the outset, please note that the servicing of this Federal Housing Administration (“FHA”) insured loan was transferred from ** *** *** (“***”) to CMS on or about October 2, 2015. At the time of the service transfer your loan was contractually current and due for the November 1, payment. While CMS began servicing the loan on October 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 review, our records show that on November 6, 2015, an Escrow Analysis was completed. This Escrow Analysis was completed as part of the post service transfer requirements mentioned above. That same day CMS sent you an Annual Escrow Account Disclosure Statement (“AEADS”). A copy is attached for your ease of reference. The purpose of the AEADS was to advise you of your projected escrow activity for your escrow cycle beginning February 1, and ending January 31, More specifically, the AEADS projected that your yearly county taxes would be $2,430.54, your yearly homeowners insurance premium would be $1,230.00, and your FHA insurance premium would be $563.28. Correspondingly, your total disbursements for your escrow cycle beginning February 1, and ending January 31, were calculated to be $4,The total projected escrow advances divided by twelve (12) equals $per month and represents the required escrow payment beginning February 1, 2016.
In addition, please note that a mortgage servicer is permitted by law to collect an escrow cushionAn escrow cushion is a minimum amount of money held in your escrow account to prevent your escrow balance from being overdrawnThe reason that escrow cushions are permitted is that, from time to time, payments for escrow items may become due in excess of funds available in the escrow accountBecause escrow items remain the borrower’s responsibility, lenders are permitted to collect a cushion in case payments due for such items exceed available funds. Specifically, the Real Estate Settlement Procedures Act (“RESPA”) authorizes a maximum escrow cushion not to exceed 1/6th (i.e., up to two months of escrow payments) of the total annual projected escrow disbursements made during an escrow cycle which is over a twelve-month periodAdditionally, when your escrow balance reaches its lowest point during the escrow cycle, that balance is targeted to be your 1/6th escrow cushion amountIf you wish to have a better understanding of RESPA, escrow accounts, and your rights as a consumer, CMS encourages you to visit the U.SDepartment of Housing and Urban Development website at ***.
In addition, it is important to note that RESPA is also referenced in the terms and conditions of your Mortgage, on page two, section two, under Monthly Payment of Taxes, Insurance and Other Charges, and we did not find any evidence to support your claim that limits CMS to a 1/12th escrow cushion. Attached for your ease of reference is a copy of your Mortgage
In light of the above, CMS is authorized to collect no more than 1/6th of your total projected escrow disbursement for your escrow cycle beginning February 1, and ending January 31, The total escrow cushion that CMS may collect is $610.08. It is important to note that the 1/6th calculation does not include any FHA insurance portion for this purpose
For an explanation of the escrow shortage, please refer to the next section of the AEADS, below the Projected Escrow Activity from February 1, and ending January 31, and note the projected low point balance of $for October 16, 2016. Looking at the next column for the same date under “Required”, please note that the low point balance should be $(1/6th cushion). As such, CMS is collecting the difference between the projected low point balance of $and the $required low point balance, which equals -$139.59. This escrow shortage is being collected over a twelve (12) month period starting with the February 1, payment, resulting in a monthly shortage collection in the amount of $11.63. The following is a summary of the total payment amount beginning February 1,
Principal and Interest Payment $
Escrow Payment $
Escrow Shortage $
Total: $
On November 17, 2015, you called CMS and during this call you inquired about the monthly payment increase. The CMS Respresentative explained the increase was a result of the escrow analysis that had been completed on November 6, 2015, and also transferred the call to a CMS Escrow Account Specialist to explain the details of this escrow analysis. The CMS Escrow Account Specialist, explained in detail the AEADS dated November 6, 2015. The Escrow Account Specialist also informed you that you had the option of paying the escrow shortage in the amount of $in full, which would reduce your monthly payment by the escrow shortage payment of $11.63. The Escrow Account Specialist also provided you options to make this payment by mail, by phone or using the CMS website
Based on the foregoing, we conclude that the annual escrow analysis and payment adjustment were completed in accordance with RESPA and the established loan servicing policy and procedure for this FHA insured loan. It is important to note that the annual escrow analysis is required by law, and payment adjustments may be required from time to time to ensure proper accounting of escrow funds and also to insure sufficient funds for projected disbursement for the payment of taxes and insurance. As a result of our investigation we find no evidence of wrongdoing on CMS’s behalfWhile we understand you would have preferred a different outcome, we respectfully submit that the collection of the cushion is permitted by law and common within the mortgage industryTherefore, CMS will continue to comply with federal law and collect the allowable escrow cushion
As previously explained by the Esrow Account Specialist, you do have the option to pay your entire escrow shortage in fullPer the most recent analysis, your escrow shortage is $If you want to pay your entire escrow shortage, please call me at the aforesaid phone number so I may assist you with applying your payment to your account
Please 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 wish to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at *** ***, 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, *** *** *** *** ** *** or fax your correspondence to *** ***
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 *** ***, Monday through Friday, 8:AM to 5:PM, Pacific Time
Sincerely,
*** ***
*** ***
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, *** *** *** *** ** ***, or by calling ***. 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 ***
-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 *** *** 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 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 ***
-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 *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolutionPlease respond in this space ONLY] As I stated previously and it clearly shows it was paid on the 16thminutes and seconds after the "cut off" time I've been a customer for many years and never had this type of probably until nowAnd now they're saying that the supervisor I spoke with didn't hang up on me and handled the call professionally? After I asked to speak with someone else multiple times? This is not acceptable from a consumers stanceIf they can't forgive the $late fee in Good faith, I'll be refinancing with another lender going forward Thanks for your time.
Regards,
*** ***

July 5, Original response sent via regular mail *** *** *** *** *** *** *** *** ** *** RE: Loan
No.: *** Complaint No.: *** Borrower: *** *** Co-borrower: *** *** Property Address: *** *** ***, *** ** *** Dear Mr& 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 June 15, 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 you already know, our Customer Service Research Department originally received your inquiry on November 3, Please note that your initial inquiry raises the exact same issues as your current inquiryAccordingly, our Customer Service Research Department researched your loan and a response was sent to you via regular mail on December 7, For your reference, attached hereto as Exhibit “A” please find a copy of CMS’s response to your November 3, inquiry With regard to your account credit reporting, pursuant to federal law, CMS did not assess any type of late fees or report any delinquencies for the first sixty (60) days following the effective date of the service transferIn other words, your loan was transferred from *** *** ***, *** (“*** ***”) to CMS on October 2, As a result, CMS suppressed your account credit reporting for the months of October of 2015, November of 2015, and December of in connection with the service transfer of your loanAccordingly, on January 10, 2016, CMS reported your first account status and payment history to the credit reporting agencies (***, ***, and ***)Please note that CMS reports your account status once a month to the credit reporting agencies on the 10th day of each month and that the January 10, credit report was a routine update to the credit reporting agenciesBecause your December 1, mortgage payment was not received until January 4, 2016, CMS reported a thirty (30) day account delinquency on your January 10, credit report Additionally, our records indicate that your January 1, 2016, February 1, 2016, March 1, 2016, April 1, 2016, and May 1, mortgage payments were received after the month in which the payments became dueSpecifically, your January 1, mortgage payment was received on February 5, 2016, your February 1, mortgage payment was received on March 8, 2016, your March 1, mortgage payment was received on April 8, 2016, your April 1, mortgage payment was received on May 7, 2016, and your May 1, mortgage payment was received on June 2, For your reference and review, attached hereto as Exhibit “B” please find a twenty-four (24) month payment history and account balances along with the transaction codes and definitions We would like to take this opportunity to remind you that all of your mortgage payments are due on the first (1st) day of each month, and are considered late as of the second (2nd) day of the monthIf the payment is not received by CMS on or before the sixteenth (16th) day of the month, a late fee will be assessed to your accountAlso, any payment received by CMS after the month in which the payment became due may be reported to the credit reporting agencies as delinquent Based on the foregoing investigation and review of your account, we are unable to find any evidence of wrongdoing on CMS’s behalfSpecifically, our records are clear that CMS has not engaged in any type of illegal activity or predatory practices, has abided by all federal and state laws, and has properly serviced your loan pursuant to the terms of your mortgage loan agreementMoreover, please know that CMS is obligated by federal law to provide timely and accurate credit reporting with regard to your account status and payment historyAs a result, we respectfully submit that all of the information reported to the credit reporting agencies is correct and properly reflects your account status and payment historyConsequently, CMS respectfully denies your request to remove any prior delinquencies reported on your account to the credit reporting agencies and your request for compensation. Nevertheless, please 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 *** ***, 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*** *** *** *** ** *** or fax your correspondence to *** ***. [This space intentionally left blank] We trust that this communication addresses all of the concerns noted in your complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, from 8:00AM to 5:00PM, Pacific 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 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 *** -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 *** *** 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 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 *** -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 *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***

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

This company has reported my mortgage payment to the credit company as being late even with proof that it wasn't late at allThen the next month they reported to the credit company that my payment was late, BEFORE it was even due to them
They also like to call you up to times a day (which I have phone records of) starting the 3rd of the month when my payment is not due until the 15thThis is harassment

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 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

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

I have two claims to get my house fix from water damage and vandalizismI sent the checks to them because they were endorsed to both of us in order for the contracter to get startedI sent the checks in a two days shipping evelope to return the checks back to meI called them with no return phone call because I tracked the evelope that they were suppose to return the money backI called the next day and finally talked to a lady named *** in Loss Draft and she told me at first that they could not send the money back and they deposited it in my escrow accountI told her I needed that money to get the floor in my kitchen fixed that I could fall thru the floorShe said it was too much in amount but it was two seperate claims and two seperate checksShe then figured that someone had keyed it in wrong and then I needed to fax the actual report from my insurance companyI did that on sat with a cover letter for her to please call me to let me know if she received them or notOf co

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

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

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

I have been living at *** *** *** *** *** ** ***,my address for about years now and have experienced problems with Carrington MortgageThe problems is from range of constant calls about my mortgage by way of cell phone before the bill was due, payments not applied to my account, being talked to crazy by some Representatives, returned check from a payment that was sent in, harassment on intent of foreclosure notices all the time, the company adding other fees to bill recentlyI have had to speak to the company on several times about my accountI have requested a copy of what the company show I have paid them for the life of the loan and the copy that was sent to me was not what I requested with a letter stating this is the information that I requestedI have sent my divorce decree to them on numerous times and if called about the information no one ever no about the documents that was sent in to the officeI am asking and on the level of begging for help with this co

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

I paid off my loan with Carrington Mortgage Services in July They had made a payment out of my escrow account to pay the homeowners insurance policy the month prior, June This resulted in an over payment which was refunded to Carrington MortgageCarrington Mortgage mailed me the check that was issued to them without endorsing the backI, therefore, was unable to cash itI called multiple times to try and get help on this matterThe first call the lady said she would put a note in the file and get a new check issuedI called back a few weeks later and a gentlemen told me that I had cashed the checkI told him that was and the check he was referencing was the escrow checkHe confirmed that they had indeed made a mistake and that there were checks sent to me, which I had cashed and then the one that I could notHe said he would put a more detailed note in the file and get them to resendI followed up a few days later and they seemingly knew nothing about it

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!

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

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