Carrington Mortgage Services LLC

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

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

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

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

July 26, *** *** *** *** *** *** ** *** RE: Complaint No: *** Loan No.:
*** Property Address: *** *** ***, *** ** *** 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 7, 2016. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in the inquiry As we understand your complaint, you claim that CMS has not complied with your request to remove your phone number from the CMS solicitation call campaigns. Additionally, you express concerns and dissatisfaction with these calls, and claim that the callers were aggressive in their marketing tactics, and that these calls interrupted you throughout the day Upon review, our records show that on June 30, 2016, you requested that your contact information be removed from the CMS Mortgage Lending solicitation campaigns. That same day, the CMS Representative, forwarded your request to the appropriate department to complete the removal of your contact information from these campaigns. As of July 13, 2016, CMS completed the necessary changes that removed your contact information from the CMS Mortgage Lending solicitation campaigns and you should no longer receive any solicitation calls going forward Based on the foregoing, we would like to take this opportunity not only to express our sincere apologies for the inconvenience that you may have experienced in this matter, but also to thank you for bringing this matter to CMS’s attention. CMS is always looking for ways to improve service levels and your feedback is important us. Again, we sincerely apologize for any perceived aggressive behavior you believe you may have received from our office during these call campaigns In closing, CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaint. You may contact CMS regarding the administration of this loan and may do so by calling our Customer Service Department at *** ***, Monday through Friday, from 8:00AM to 8:00PM, Eastern Time. In addition, you can also send written correspondence including inquiries and complaints about his mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** *** or fax his 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, *** *** Customer Advocate CC: Revdex.com --INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** ***, *** ** ***, 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 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 *** *** 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 *** *** *** *** ** ***

Carrington is about to start charging for online payments I have complained several times that their online payment system could only process the expected amount even though it appears to allow additional principle to be paid And after providing such poor service they now want customers to pay, TO PAY! They send excessive mailings, how about stop that, as I have suggested and not charge customers in good standing just to pay you? I pay all my creditors online and nobody else charges for it, this is ridiculous

Unfortunately, I still have not received any response from Carrington I honestly cannot believe that I am still dealing with this awful, deceitful and dishonest company Since *** ** *** transferred my loan to Carrington, I have had nothing but issuesPer the attached CFPB complaint dated 04/29/18, Carrington has repeatedly acted in Bad Faith and misrepresented themselves As you can see, in February 2018, Carrington contacted me and promised to waive the differed interest, if I streamlined my loan with them After speaking with ***, it was determined that Carrington’s promises were completely fabricated as there is no way to “waive” the differed interest under this government program As a result, $27,was issued to Carrington on 06/26/to satisfy the loan modification deferred interestHere we are, six months later and Carrington still has not released the funds to ***? And now I am accruing interest and fees on a loan that should have been paid in full six months ago? How is this fair?
Your notice dated 11/19/indicates that if I make or provide any or fraudulent statements, representations or evidence, I may be liable for criminal penalties At what point will Carrington be held liable for their misrepresentations? They should be assessed criminal penalties They are supposed to be the subject matter experts yet the information they provided me, IN WRITING, was completely and inaccurate And to date, they still have not responded to me regarding loan payoffAny assistance or recommendations you have would be greatly appreciated

Our home was damaged during Hurricane IrmaWe filed an insurance claim and received money to repair the damage As Carrington is our Mortgage Lender, they only gave us a portion of the money to repair the house The contractors are completed with the work an need to get paid but I cannot get this company to release the money to them Every time we call we get a different story, problem or some mysterious piece of paper is missing and the won’t process the request We have jumped through ever hoop to have this money released and the process and rules continually change We have had inspectors out who both reported back to the company that the work was completed and I STILL cannot get the contractors paidWe have over calls in to this company about our problem, I’ve asked for supervisors to return call and never hear from anyone and when I call the customer service line to file a complaint I am told I have to call a different number in which no one responds to the voicemails

My property is due to be sold on 6/17/My title company, *** *** *** has tried since 6/9/to get an updated payoff quoteThe required information, such as the authorization to release the information for closing, has been faxed to Carrington Mortgage Services on 6/9/no payoff quote has been returned to the title companyToday is 6/16/16, the title company contacted my wife and I to see if we can call to see if we can get a payoff quoteThey sent requests for the payoff quote which Carrington states only takes hours, but it is now going on daysI spoke to two different agents on 6/16/16, *** and *** and explained that I needed a payoff quote immediatelyI was told that it would take the first time (***) and then hours the second time (***) I called for such a quoteI just do not understand why they would not attempt to contact our Title company to give them any information especially when the request was submitted days in advance of t

Very quick and easyAnd the people I spoke with along the way were very helpful and told me exactly what was needed

My 9/1/mortgage payment ,payment was made on time But my credit report show different please have Carrington mortgage services clean this up

July 26, Original Response Sent Via Regular Mail *** ** *** *** *** *** *** ** *** RE: Loan No.:
*** Complaint ID: *** Borrower: *** ** *** Property Address: * *** *** ***, *** ** *** 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 July 14, 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 your inquiry As we understand your complaint, you allege that since CMS took over the servicing of your loan over a year ago, you have received collection calls up to a week after your loan payment has cleared your bank account. Specifically, you state that you received telephone calls after your June 1, 2016, and July 1, loan payments had been remitted. Your complaint goes on to state that you have continued to receive telephone calls after you have verbally requested not to receive any telephone calls from CMS. In addition, you state you received numerous telephone calls from CMS claiming the July 1, payment had not been received, and you had to place a stop payment on your check after you confirmed with your financial institution that your check had not cleared your bank account. Finally, you state that you were advised that if you did not provide CMS with another form of payment, over the telephone, your credit would be negatively affected. As a result, you are requesting reimbursement for your time and the bank fees you incurred. As a preliminary matter, our records indicate CMS acquired your loan from *** *** *** *** on October 2, 2015. At the time of the service transfer, your loan was contractually current and due for the October 1, payment According to the Note that you executed during the origination of your loan, loan payments are due on the first day of each month. Subsequently, loan payments are late on the second day of the month, and a late charge is assessed for payments made on or after the sixteenth day. A copy of the Note is attached as Exhibit “A” for your reviewPlease note that CMS will routinely make courtesy telephone calls to our borrowers to inquire about past due payments in order to prevent late charges being assessed on the borrower’s loan and forestall other consequences of default Our telephone records indicate that the first telephone conversation regarding a late loan payment took place on May 10, 2016. During that conversation, you indicated that the May 1, loan payment had been remitted through your financial institution’s Bill Pay service on May 4, You explained that it was just a matter of time before CMS would receive that payment as it was being delivered to CMS via the United States Postal Service (“USPS”). Our records indicate your May 1, loan payment posted the evening of May 10, No further telephone calls were attempted during the remainder of the month with regards to the May payment The second telephone conversation between you and CMS took place on June 8, 2016, and during that conversation you stated the June 1, loan payment was mailed to CMS on May 29, 2016. The CMS Representative advised you that the payment had not been received at that moment, and recommended that you cancel the check. The CMS Representative also advised you of other payment options available to you. Our records indicate your June 1, loan payment was posted the evening of June 8, 2016. No further telephone calls were attempted for the remainder of the month with regards to the June payment A further review of our records found that due to the fact that your July 1, loan payment had not been received, CMS attempted to contact you by telephone on July 8, and on July 11, 2016. Because CMS received no answer, messages were left on your answering machine on both occasions. Our records indicate you called CMS on July 13, and spoke to a CMS Representative. It was at this time you expressed dissatisfaction that CMS continued to call you regarding the monthly payment in spite of you already having remitted the payment through your financial institution’s Bill Pay service You further explained that you had placed a Stop Payment on the check you remitted to CMS on July 1, 2016, and you were seeking reimbursement for the fee assessed by your financial institution to issue the stop payment on your check. The CMS Representative advised that your July 1, loan payment was posted to your loan on July 12, 2016, and if you wished to request a reimbursement of fees assessed by your financial institution, you would have to submit a written request to our Customer Service Research Department. Because you were dissatisfied with that response, you requested to speak to a CMS Supervisor, at which time your call was transferred as requested According to our records, the CMS Supervisor explained that your financial institution’s Bill Pay service mails checks to CMS and such payments are not electronically transmitted to CMS. Unfortunately, CMS does not have any control over the amount of time it takes the USPS to deliver a check to CMS. The CMS supervisor also apologized for the calls you received and advised that if you wished to stop CMS from making such phone calls, it would be necessary that you submit a written request to CMS, which you indicated you did not intend to do Before ending the call, the CMS Supervisor inquired as to when you would be remitting another payment to replace the July loan payment that would be reversed due to the stop payment. You responded that you would not be remitting another payment to CMS until you received confirmation that the check was not cashed, and an e-mail from CMS both acknowledging that your initial July 1, payment was received on time and also confirming that a late charge would not be incurred. You then abruptly terminated the phone call On July 15, 2015, CMS received a telephone call from you in order to make a loan payment over the telephone. The payment in the amount of $was posted as the August 1, loan payment on July 15, 2015. On July 18, 2016, your loan payment originally received on July 12, 2016, and posted as the July 1, loan payment, was returned by your financial institution due to the stop payment request. The August 1, loan payment was reversed, and reapplied as the July 1, loan payment. As a result, your August 1, payment became the next payment due. A copy of the loan payment history showing this transaction, along with the transaction codes and definitions, is attached as Exhibit “B” for your review. Please be assured that CMS did not assess any late charges to your loan and that CMS did not report any derogatory information to the credit bureaus. Please be aware that in addition to your financial institution’s Bill Pay Service, CMS offers several other options to remit your monthly loan payment. For a list of all available payment options, we encourage you to visit our Loan Servicing Website (“LSW”) at *** As you requested in your complaint, CMS has placed a flag on your loan to prevent any future telephone communication with you. Be aware that this flag will remain in place until CMS receives your written request asking CMS to resume direct telephone communication with you At this time, CMS must regretfully deny your request to be reimbursed for the stop payment fees assessed by your financial institution as we did not find any evidence that you were advised to place a stop payment on the July payment by a CMS Representative. Lastly, a review of our records shows that multiple CMS Representatives were professional and polite to you while working to assist you with your needs and that your telephone calls were properly escalated to a CMS supervisor when requested. Nevertheless, we sincerely apologize if the level of customer service you received from CMS did not meet your expectations. In closing, 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 complaint. If you would like to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at ***, Monday through Friday, 8:00AM to 8:00PM, Eastern Time. You 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, *** *** 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 ***7. 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 *** *** 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 *** *** ***, *** ** *** 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*** *** *** ***, *** *** * ***, *** ** ***

Carrington mortgage is a jokeThey held my loan for just a little over a year, and I had to call them twice a month just to make sure they was reciving my paymentThey have no idea what they are doing there customer service was friendly but *** ignorent and completely useless when I was finally able to refinance they wouldn't except my pay off because they kept coming up with BS charges that I owed I tried to pay it just to be done with them but they kept adding more until I decided to argue against themI am still waiting on my escrow reimbursement check fingers crossed I will receive it
PLEASE! do your self a favor and run like hell if you're thinking about having any dealings with them

June 4,
*** ** *** ***
*** *** ***
*** ** ***
RE: Loan No.:
***
Complaint Id: ***
Dear Mrs***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com received in our office via email on May 7, 2015. CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in your inquiry
As we understand your complaint, you claim that you requested a current payoff amount from CMS, but after almost a week of waiting for the information CMS failed to provide you the payoff amount in a timely manner
As you are aware, this first lien mortgage was transferred from *** ** *** N.Ato CMS effective April 2, 2015. At the time of the service transfer, you loan was contractually current, due for the April 1, payment and was in an active bankruptcy status.
On April 14, you contacted CMS directly as you were seeking a current payoff amount good through April 30, 2015. Our review shows that CMS processed your request and a current payoff statement in the amount of $107,was generated and mailed to your attention on April 15, 2015, with a good through date of May 1, 2015.
Furthermore, our review also shows that we received a call from an unauthorized third party *** with *** *** on April 30, seeking to verify account information. As CMS did not have your written consent to disclose account information to this third party, the third party called you directly and you provided CMS with a one-time verbal authorization to disclose account information. It was during this call that CMS disclosed the status of your account, the type of account, the unpaid principal balance, the monthly payment amount, the last payment made, the next payment due and confirmation that you had not made any late payments over the last twelve months.
On May 7, CMS received a call from an unauthorized third party, claiming that he had submitted a payoff request via facsimile on April 30, and had yet to receive the payoff amount. It was during this conversation that the CMS Representative advised the unauthorized third party that the payoff request had been denied. It is important to note that our review has confirmed that the CMS Representative inadvertently misinformed the unauthorized third party that the payoff request was denied. We sincerely apologize for any miscommunication the unauthorized third party received. Regardless, our review has found no evidence that CMS was in receipt of any payoff request submitted to CMS on or about April 30, 2015.
Later that day, you contacted CMS directly seeking assistance in obtaining the requested payoff and insisted that the CMS Representative provide you the payoff amount over the phone. Unfortunately, the CMS Representative did not have the ability to provide you a verbal payoff amount as these types of requests are processed by our Payoff DepartmentNevertheless, the CMS Representative did agree to assist you by submitting a payoff request on your behalf. It was at this time that the call was lost.
Shortly thereafter, you called CMS again seeking assistance in obtaining a current payoff amount. As the CMS Representative was unable to provide you with the requested payoff amount by the end of the day, you requested to speak with a Supervisor. Accordingly, your call was transferred to Joe *** for further assistance. As you are aware, Mr*** took your call and asked if he could contact *** *** *** *** (“***”) directly in order to obtain a copy of the payoff request. Mr*** then attempted to reach *** but was unsuccessful; however, he did advise you that he would continue his contact efforts. Later that day, Mr*** received the payoff request from *** and submitted an escalated request to expedite the payoff request.
The following day, our Customer Advocate Department received your complaint filed with the Revdex.com and I personally escalated your issue to the Payoff Department that same day. Later that day, a payoff statement was generated and a copy was sent to your attention via email at ***.
On May 11, I received an email from *** *** with *** claiming that the payoff statement received showed that your loan was still due for the April 1, payment. In addition, Mr*** requested a corrected payoff statement immediately. A further review of your loan confirmed that your April 1, payment in the amount of $had been received on April 20, and placed into the suspense account as our Bankruptcy Department was still in the process of validating your active bankruptcy information. In an effort to expedite the new payoff request, I personally requested that the suspense funds of $be applied to the April 1, payment and a new payoff statement was generated and emailed to Mr*** on May 11, 2015. Attached for your ease of reference is a copy of the payoff statement in question
Based on the foregoing, we believe the record is clear that CMS provided you with a timely payoff statement and found no evidence that the payoff request submitted by *** on or about April 30, was received
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,
*** ***
Customer Advocate
CC: Revdex.com
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or 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 9: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 STATEMENT-
Pursuant to section of the Housing and Community Development Act of 1987, you may have the opportunity to receive counseling from various local agencies regarding the retention of your home. You may obtain a list of the HUD-approved housing counseling agencies by calling the HUD nationwide toll free telephone number at *** ***
-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 Service Members 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 the Customer Service Department at *** ***, Monday through Friday, 8:a.mto 9:p.mEastern Time or by mail at *** *** *** *** ** *** * ***

Carrington Mtg was great handling my refinance processMy reps were all great and handled everything smoothly and quickly

Carrington Mortgage bought my mortgage from *** ** *** in Feb When I went to pay my first payment with Carrington, they didn't even have an account number for meThey said to put my *** account number on my checkI had to mail a check because they did not have my account onlineWhen I finally was assigned an account number and went to make my next payment online, they charge a $fee to pay your mortgage onlineThey charge a fee for every kind of way to make your payment unless you send a check to them or have auto draftI signed up for auto draft for the next paymentShe I scheduled the next payment, my monthly payment showed what I had been paying for over a yearSince this was my first auto draft, I checked my mortgage account a few days before it was to be taken out of my bank account and the monthly fee was $higher than what I had posted for and taken out of my bank accountI called Carrington and was told they decided they wanted a certain amount of back up equity and since it wasn't;t there they decided to increase my loan monthly charge by $a monthI never got a notice about thisI was signed up for email noticesSo I cancelled auto draft and told them I was going to refinance my loan with a mortgage company I could trust and actually feel comfortable withI spoke with a local mortgage company and was able to refinance my loan and get away from CarringtonMy loan was paid off on May 29,with CarringotnThey still owed me my escrow balance of $1,Since I never trusted this incompetent mortgage company, I checked every day to make sure they showed my loan as paid and what my escrow balance wasI emailed it all to me and my husbandSo today June 11,2018, I checked my escrow balance and it was lowered by $I did an internet chat with one of their people and was told I was charged out of the escrow they owed me for HUD insurance that was for 6/05/They said it is a legal chargeSo how can it be a legal charge for a loan that has no balance???? They lie and screw you over every chance they getBELIEVE the bad reviews!!! I have experienced a lot off the same thingsWe asked May 30,when we could expect our escrow check and was told within days which we gave only business days ( should be this week?) So I told the chat lady that our check should have already been mailed, she said no we have days to mail it to youSo with only business days included they don't have to mail our check until June 19,PEOPLE DO NOT DEAL WITH THESE CROOKS!!! If you can get out and stay away from them!!!

Refinanced home and was pleased with the process There were lots of different employees who handled application throughout the different stages, but each one was always willing to help and clarify questions and concerns Professional staff

November 17,
*** ***
*** *** *** *** ** ***
RE: Loan No.: ***
Borrower: *** ***
Property Address: *** *** *** *** *** ** ***
Complaint I.DNo.: ***
Dear Mr***:
The *** *** 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 November 3, 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 complaint
As we understand the complaint, you state that after the servicing of your loan was transferred to CMS, you refinanced the loan and you believe that CMS may have over charged you interest at the time your loan was paid offYou also claim that you never signed or agreed to any terms with CMS in regards to the servicing of your loanYou state that you have written to CMS requesting a refund for the overpayment of interest in the amount of $562.67; however, you claim that CMS provided you with no explanationYou are requesting that CMS reimburse you for any excess interest amounts you believe were collected from you
As you are aware, the servicing of your Federal Housing Administration (“FHA”) insured loan was transferred from *** ** *** *** (“***”) to CMS on April 2, On April 6, 2015, CMS issued you the attached Notice of Service Transfer (“Hello Letter”) informing you of the service transfer to CMSAlso attached is a copy of the Notice of Service Transfer (“Goodbye Letter”) that *** issued to you on March 12, also informing you of the service transfer to CMS
As you were notified within the Goodbye Letter, the transfer or sale of loan servicing to other servicing institutions is common practice in the mortgage lending industryAlthough CMS was not a party involved with the origination of this loan, you acknowledged that that the right to service your loan may be transferred to another mortgage servicer at any time by placing your signature on the attached Servicing Transfer Disclosure StatementIn light of this information, CMS respectfully submits that the transfer of the servicing of your loan was lawfully transferred to CMS
At the time of the service transfer, your loan was contractually current and showing due for the April 1, mortgage payment in the amount of $1,This payment was made up of principal and interest in the amount of $and a monthly escrow collection in the amount of $Your principal balance was in the amount of $142,and your escrow balance was in the amount of $at the time of the service transfer to CMS
A review of our records found that CMS received funds in the amount of $1,on April 14, These funds were applied to the April 1, mortgage payment in the amount of $1,and the remaining $was applied to your principal balanceAttached for your ease of reference is a copy of your loan payment history along with the loan servicing system payment codes and definitionsCMS is also attaching a copy of a loan payment ledger for your ease of reference
As you can see, the total amount of funds applied to your principal balance on April 14, was $and the total amount applied to your escrow account was $This payment application brought your principal balance to $142, with an escrow balance in the amount of $1,On April 29, 2015, CMS disbursed $from your escrow account for the payment of your hazard insuranceThen, on May 5, 2015, CMS disbursed $from your escrow account for the payment of your April FHA Mortgage Insurance Premium (“MIP”)
Please note that MIP payments are disbursed in arrears and CMS will typically disburse MIP payments to U.S Department of Housing and Urban Development (“HUD”) on or about the fifth day of the following monthFor example, CMS would disburse the MIP for the month of January on or about February 5, After the disbursement of these escrow items, your escrow balance was $and your principal balance remained $142,
On May 8, 2015, CMS received funds in the amount of $1,which were applied to your May 1, mortgage paymentAs you can see from the attached payment ledger, funds in the amount of $were applied to reduce your principal balance, $was applied to the interest due, and the remaining $was applied to your escrow accountOn June 5, 2015, CMS disbursed $from your escrow account for the payment of your April FHA MIP
On June 10, 2015, CMS received funds in the amount of $1,which were applied to satisfy the June 1, mortgage paymentFrom this payment, $was applied to principal, $was applied to interest due, and $was applied to escrowAfter the application of this payment, your principal balance was $142,and your escrow account balance was $Then, on July 4, 2015, CMS disbursed $from your escrow account for the payment of your May FHA MIPAfter the disbursement of this MIP payment, your escrow balance was $and your principal balance remained $142,
On July 8, 2015, CMS received payoff proceeds in the amount of $143,That same day, CMS applied $142,to satisfy your principal balance, $1,was applied to the interest due for the months of June and July 2015, and the remaining $was applied to a recording feeAfter the application of the payoff proceeds, your escrow account contained a balance in the amount of $
It is important to note that similar to MIP, interest is also paid in arrearsFor example, a payment received for the month of February would pay the interest accrued from the period of January 1, through January 31, In addition, your FHA loan provides for the collection of interest through the end of the calendar month if the payoff amount is received after the first day of the month in which your payoff amount is receivedBecause the payoff proceeds were received by CMS on July 8, (after July 1, 2015), CMS properly collected interest in the amount of $1,which represents the interest accrued for the months of June and July in accordance with FHA guidelines
On July 23, 2015, CMS issued you an escrow account refund in the amount of $which left your escrow account with a balance in the amount of $CMS intentionally held these funds in your escrow account as CMS would be required to pay a final FHA MIP payment to HUD for the month of July CMS is able to confirm that the remainder of your escrow account balance was disbursed to HUD on August 5, for the final MIP payment due for the month of July
In response to your claim that you have written CMS requesting a refund and received no explanation from CMS, please find the attached letter issued to you by CMS dated August 21, As you recall, CMS provided you with detailed information and explanation as to why CMS properly collected two months of interest from you at the time of payoffIn light of this information, CMS respectfully disagrees with your claim that CMS provided you with no explanation when you requested a refund of overpayment of interest
Please be advised that should you wish to gather more information about the application of payoff proceeds for your FHA loan, you may contact the HUD National Servicing Center via telephone at *** *** or via mail at the following address
U.SDepartment of Housing and Urban Development
National Servicing Center
*** ** *** *** *** *** *** *** ** ***
Finally, after a thorough review of your most recent correspondence, CMS is unable to identify any new issues that have not been previously addressed in detail by CMS as your recent correspondence appears to be substantially similar, or even identical to correspondence previously addressed by CMSAccordingly, no further response from CMS is requiredMoreover, because we have now addressed these issues on multiple occasions, CMS will not respond to future correspondence raising substantially the same or identical claims
Based on the foregoing, we believe the record is clear that the servicing of your loan was properly transferred to CMS and that CMS has properly applied all funds received from you to your loan as required by FHA guidelinesShould you wish to further discuss any aspect of your satisfied 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,
*** ***
*** ***
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 ***
-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
-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 ***
-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
-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 *** *** *** *** ** ***
-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

My loan has recently been transferred to Carrington Mortgage from *** ** *** in December of Since January of 2017, I am constantly receiving phone call from this company pressuring me to refinance my loan, I've expressed that I'm content with my current rate and that I wish to not be contacted about any sales, marketing or refinace products from this company, I spoke to *** on 3-7-asking to be removed from Marketing, sales and refinance promotions, she assured me that there was a note on the account but on 3-8-I received ANOTHER phone call from *** *** (***) another Carrignton Mortgage Sales Rep about refinancing my loan
My wishes to not be contacted other than business pertaining to my loan is not being respected, and now I feel it has turned into harassmentSince I've refused SEVERAL times to refinance my loan I've even noticed that my Mortgage Loan has increased by $per month, this I feel is a tactic to pressure me to refinance my loanI've

My house was foreclosed on illegally I am in desperate need of helpMy mortgage was sold to Carrington Mortgage they raised my payment I was not aware of that until I got a foreclosure noticeI called to ask them why, because my payments had been madeI then found out that my payments were not being applied to my loanThey told me I needed to pay $and some extra for escrowI sent them an extra check for $they also did not apply this to my loan we sent regular monthly payments of the new amount at % interestThey did not apply any of these to my loan they held them and then started sending them backI never got a foreclosure date I am told that legally they have to provide that at least days priorI did get a letter that said in 60-days they were going to foreclose dated 11-11-I received on 11-28-They foreclosed on the house on Dec 28th that was only days from the date I received and from the date it was sent and it said 60-days I