Carrington Mortgage Services LLC

Carrington Mortgage Services purchased my mortgage from Bank of America in September of Please note that my mortgage with Bank of America was over the span of years and NOT ONCE was my payment ever late This morning I received a call from Carrington and once verifying who I was, the first words out of the representative's mouth was "this is an attempt to collect a debt" My jaw dropped I was shocked as my January payment posted 01/03/ After conveying all of this information to them, they basically told me it's on me to gather the information proving I made my payment and to fax to them for further research They are making absolutely no effort to assist in any way So now I have to call the bank's bill pay department and have them provide a copy of the check they sent on my behalf to send to Carrington Keep in mind that it's Monday morning and I'm at work! I'm extremely angry with the way I'm being treated by this company and am considering refinancing my mortgage with another broker just so I don't have to deal with these people any longer Based on all the other reviews I've read, I see I'm not the only one who feels this way How they have an A+ rating is beyond me considering there are negative reviews and only positive I feel like this is only going to happen again since I'm paying through my bank instead of on Carrington's website, where they want to charge their customers to make payments RIDICULOUS!

Our mortgage was taken over from *** ** *** to Carrington Mortgage I must say that we did NOT request a change in mortgage service We got the information from Carrington and immediately set up online automatic debits for our monthly payment My husband also spoke with a representative at Carrington who ASSURED us that it'd be a simple process After about a month into the new mortgage service, we started getting calls about our payment being lateWe explained that it CANT be late, that we see on our bank statement that it is in fact being debited automatically We wrote letters, e mails, faxes, phone calls, etc all to no avail Now they have turned us into the credit bureau and my husband and I both lost POINTS on our credit score as a result of their mistake I would not recommend Carrington to anyone!!! They have ruined our credit as a result of THEIR screw up

This companies associates make promises that they cant keep! I was in the process of refinacing my home and Jamie D*** told me that I could skip October and Novembers payment as part of my refi termsBut around October the 17th she told me the city had a lien on my property because I had a USDA loan and the terms of that loan was that I must stay in the home for years without refinancing it, and could I pay her to remove the lien and go forwardI told her that I could not afford to proceedLow and behold Carrington C*** decide to charge me a late fee and report me to the credit bureau because of claims their associate told me! I have not ever been late or missed a payment! Plus I had the email where Jamie tell me I skip payments! Christina S*** is the crook who wont refund my late fee! I wouldnt recommend this company to my enemies! HORRIBLE CUSTOMER SERVICE!!! DONT BELIEVE ANYTHING THEY SAY!!! I wish I could give them a 1/of a star!!!

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

Carrington buys our mortgage from X company in Jan The transition took place right at the time the payment was dueWe couldn't pay the old company and the first mail notification from Carrington is "your payment is late"Not welcome to the company, here's your statementnope, 'your payment is late'We finally did get a statementweeks later
FFWD to today, weeks after receiving the statement, and we get 'notice to foreclose' paperworkThe March payment isn't due for another couple days (grace period, I don't get paid on a set schedule), so there's one payment duethe first paymentpaymentto which we didn't even get a statement until days AFTER it was dueand they send foreclosure paperwork???
So, I call the company, understandably pissed, and the phone operator hangs up on me because I cursedSo, I call backagainto talk with a supervisor, and I get his voicemail!?!?!?! They can't even talk to meI should note that during this time, my wife was making the payment on the computer, it had gotten overlooked and forgotten about due to an area work tragedy this past month
I wouldn't recommend this company for ANYTHING!!!!! Straight out of the chute, it's 'your late'Terrible customer service

Numerous issues with this mortgage company including not receiving statements, bank failure to apply payments properly, excessive fees and most recently the complete reversal of a transaction by the bank without my authorizationIn March we received a letter from the bank advising us that they would be refunding a December late payment in the amount of $and applied funds to an account entitled "unapplied funds"I requested those funds to be applied to the "overdue balance" which the bank claimed to be fees from property inspections and other feesA previous similar transaction was made in September after the bank had failed to apply our September mortgage payment timely despite the fact we sent it UPS Overnight MailAs the September payment was applied to the overdue balance, I requested the March refund be applied also to the overdue balance The bank applied the funds in May reducing the overdue balanceOn June 8th the bank without prior notification to me, th

I recently received a letter from Carrington Mortgage notifying me of an increase in monthly escrow payment to account for property taxes due in DecemberI was awarded a homestead exemption at my County Courthouse which applies to the current tax yearI have an official print-out from the county that shows my new projected taxes for The prior total amount for was $3,The projection from the county for the current year is $1,December's escrow payment would leave a residual instead of a shortage of $1,reported by Carrington MortgageTherefore, payments should decrease rather than increase based on my homestead exemption
To correct this issue, I contacted Carrington Mortgage by phone on 2/08/I informed the representative from the tax department that I received a homestead exemption and have a document from the county showing my new projected tax billThe representative informed me that they cannot update the tax information without a bill, and

My mortgage was transferred from *** ** *** in November of to carrington mortgage services
(I filed bankruptcy over a year ago in January 2014)
Since December I have been trying to get in contact with carrington, to make my usual monthly payment of $
Every time I call I am on hold for hours at a time
Someone finally addresses me, I tell them I am calling to make my mortgage payment, they proceed to act they are about to take my payment
Then say, they need to transfer me to the 'bankruptcy department', the regular customer service center cannot take my payment because of the 'status' (which I have no knowledge of the status of my account because no one will talk to me) of my accountThey end up putting my back on hold to be transferred to bankruptcy where I sit on hold again for upwards of minutes at a time resulting into me getting disconnected and calling back to be told the same things'We can't talk to you because of your account status' 'we

Carrington Mortgage is billing me for a late fee for the month of November when I wasn't late I've called Carrington Mortgage and spoke with the customer service team and gave the same following information " I mailed my payment on 11/15/by Express Mail The payment was signed for by Carrington Mail room on 11/16/ I'm not officially later until after the 16th of every month I even enclosed a detailed letter and the tracking information , of the Express Mail to Attention:: Geine, Supervisor Fax No ***
I faxed a detailed letter to the fax number given explaining the above and provided a copy of the tracking information Tracking Number: *** (USPS Express Mail - Next Day Service)
The payment was signed for per the Product and Tracking Information: signed by ** *** 10:23AM on Wednesday 11/16/2016, Carrington Mortgage mail room
The late fee should be removed and all information removed out of Carrington system showing I was late

September 28, Original response sent via regular mail *** ** *** *** *** *** *** ** *** RE: Loan
No.: *** File No.: *** Borrower: *** ** *** 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 September 9, 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 are uncertain if CMS legally acquired the servicing rights to your loan from your prior servicerYou go on to say that you have applied for mortgage assistance and that CMS has failed to properly review your mortgage assistance applications, assign you a single point of contact, or advise you about our mortgage assistance eligibility determinationAlso, despite your attempts to make your mortgage payments and bring your account current, you claim that CMS refuses to accept your mortgage paymentsAs a result, your desired resolution is for CMS to approve your loan for mortgage assistance, to allow you to bring your loan current, and to provide you with confirmation on how we obtained the servicing rights to your loan As a preliminary matter, please accept this correspondence as confirmation that the foreclosure proceeding has been placed on holdFurthermore, please be advised that your most recent mortgage assistance application is currently being reviewed by CMS’s Underwriting Department for a mortgage assistance eligibility determinationAs of the date of this letter, we have requested for CMS’s Underwriting Department to expedite their review of your mortgage assistance applicationIf you would like to know the current status with regard to your mortgage assistance eligibility review, we strongly encourage you to contact CMS’s Home Retention Department (“HRD”) at *** ***, Monday through Friday, from 6:00AM to 5:00PM, Pacific Time In response to your claim that CMS failed to assign you a single point of contact, please know that the guidelines set forth by the Consumer Financial Protection Bureau (“CFPB”) require that CMS establish a pool of individuals to serve as a single point of contact and be available to assist borrowers with any mortgage assistance questions or concernsIt is important to understand that the HRD representatives are your assigned team of contact who collectively perform all of the same functions as the individual single point of contactConsequently, CMS respectfully submits that we have designated such a pool of individuals which is in compliance with the applicable loan servicing requirements set forth by the CFPB With regard to your allegation that you have applied for mortgage assistance and that CMS has failed to advise you of the application review process and determination, our records are clear that CMS has properly reviewed all of your requests for mortgage assistance and provided you with clear and timely notices, all in accordance with program guidelines, notifying you of the precise reasons why our office was unable to approve your loan for any mortgage assistanceConsequently, CMS categorically denies the insinuation that we intentionally limited your ability to apply for mortgage assistance and reject any indication that CMS failed to review your applications pursuant to program guidelinesFor your reference and review, attached hereto as Exhibit “A” please find a copy of all of the notices that CMS sent you advising you of our mortgage assistance eligibility determination As it pertains to the service transfer, please note that the servicing of your loan was transferred from *** ** *** ***(“***”) to CMS on or about April 2, For your information, servicing rights arise at the time the loan is originated, but such rights are commonly bought and sold in the marketplaceWe respectfully submit that CMS purchased the servicing rights to your loan legally and in compliance with all applicable lawsAt the time of the service transfer your loan was contractually current and due for the April 1, mortgage paymentIn connection with the service transfer, please be advised that *** sent you a Notice of Servicing Transfer (“Goodbye Letter”) on March 12, The Goodbye Letter was sent to your mailing address at *** *** ***, *** ** ***For your reference and review, a copy of the March 12, Goodbye Letter is attached hereto as Exhibit “B” Thereafter, CMS sent you a Notice of Servicing Transfer (“Hello Letter”) on April 6, The Hello Letter was also sent to your mailing address at *** *** ***, *** ** ***For your reference and review, a copy of the April 6, Hello Letter is attached hereto as Exhibit “C”The purpose of the Hello Letter was to also advise you that CMS would start collecting your mortgage loan payments effective April 2, and to advise you that your prior servicer, ***, would no longer accept payments received from you after April 1, Additionally, the Hello Letter made you aware that, pursuant to federal law, CMS would not assess any type of late fee or report any delinquency for the first sixty (60) days following the effective date of the service transferAlso included in the Hello Letter was your new CMS account number, the address to submit the monthly mortgage payments, the address to our Customer Service Department, and the phone number to our Customer Service DepartmentLastly, the Hello Letter also enumerated the various payment methods available to you and it included the processing fee for each method (if applicable), instructions on how to complete your payment, and instructions on how to create your online account on CMS’s website Subsequently, CMS sent you a Notice of Sale of Ownership of Mortgage Loan (“NSOML”) on April 9, The NSOML was also sent to your mailing address at *** *** ***, *** ** ***For your reference and review, a copy of the NSOML is attached hereto as Exhibit “D”The purpose of the NSOML was to advise you, as required by federal law, that ownership of the mortgage loan had been sold, transferred or assigned to a new creditorMoreover, the NSOML confirmed that your loan was sold on April 2, and that your new creditor was CMS Furthermore, the NSOML reminded you that CMS was also your new servicer and provided you with a contact number and a scope of responsibilities that CMS would handleSpecifically, you were made aware that CMS would handle the ongoing administration of your loan which would include receipt and processing of payments, resolution of payment-related issues, and answering any other inquiries you may have regarding your loanAdditionally, the NSOML further explained that the transfer of the lien associated with your loan would be recorded in the public records of the local County Recorder’s office for the county or local jurisdiction where your property is located Regarding your allegation that CMS refused to accept your mortgage payments, on March 29, 2016, our records indicate that CMS sent you a Notice of Intent to Foreclose (“NOI”)The purpose of the NOI was to advise you that your loan was in default and due for the January 1, through March 1, mortgage paymentsAdditionally, the NOI advised you that in order to cure the loan delinquency a payment in the amount of $1,was required Furthermore, please note that the NOI also advised you that subsequent payments, late charges, and other fees would be added to the reinstatement amount as they became due and assessed to your loanPlease be further advised that the NOI is a system generated letter that is issued for every loan that has become past due for more than thirty-one (31) days and is required by law prior to any initiation of a foreclosure proceedingLastly, please note that CMS’s intent in providing customers with an NOI is solely to comply with applicable law, attempt to make arrangements to resolve the delinquency, and to provide our customers with information regarding the consequences if they fail to cure their delinquencyFor your reference and review, attached hereto as Exhibit “E” please find a copy of the NOI that CMS sent you on March 29, Notwithstanding CMS’s correspondence advising you about your loan delinquency status and the total amount required to bring your account current, our records do not indicate that we received a payment for the total amount required to reinstate your account or that you called our HRD to establish an acceptable payment arrangement planAs a result, CMS returned your payments received on April 25, and May 12, because the total amount of your payments was short of the total amount required to cure your loan delinquencyThat said, CMS respectfully rejects any insinuation that we intentionally limited your ability to pay the total amount required to reinstate your account and bring your loan current Based on the foregoing investigation and review of your account, our records are clear that CMS has addressed all of your concernsMoreover, our records are also clear that CMS has not engaged in any type of illegal activity or predatory practices, has abided by all federal and state laws, has properly reviewed all of your requests for mortgage assistance pursuant to applicable laws and program guidelines, and has legally acquired the servicing rights to your loan from your prior servicerNevertheless, 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, *** *** ***, *** ** *** or fax your correspondence to *** ***. 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 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 *** *** ***, *** ** ***

I have been in my home for over years, I had a medical set back that caused me to fall behind in my mortgage for a few months, You have started foreclosure proceeding because I owe you 8,meaning you will take my home of years for 8, I am now back on my feet and have been making mortgage payments to catch up over 10,in the pass four monthsOn 04/28/I western Union you another , I don't think it's fair that you come and take my home for 5,in back paymentsI can make another payment on 05/08/of 1,and another payment my 05/25/of bring my balance owed to you
I don't think taking my home from me and my children for is fair or moralPlease forward this Email to the foreclosure department and stop all foreclosure proceeding as soon as possibleIf you need my medical hard ship from my doctor I can send that information as wellI am asking for mercy
Again, Please take this E-mail as my paym

This company bought my mortgage from *** ** *** and I couldnt be happier! Not only did they immediately offer me a FHA simple refinance where they paid most of the closing costs, but they also reviewed my escrow and reduced that also*** had recently lost a suit where they were overcharging for escrows!Great customer service and fast communicationsI am a happy guy!

August 24,
*** ** ***
*** ** ***
*** *** *** ***
*** ** ***
RE: Loan No.: ***
Primary Borrower: *** ** ***
Co-Borrower: *** ** ***
Property Address: *** *** *** ***, *** ** ***
Complaint I.D
No.: ***
Dear Mrand Ms***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a complaint filed with the Revdex.com (“Revdex.com”) regarding the above-referenced loan received in our office via email on August 9, 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 express dissatisfaction that CMS has required you to remit payments in the form of certified funds after two of your mortgage payments were returned unpaid due to you accidentally entering incorrect banking information into CMS’s online payment systemIn support of your complaint, you point out that a CMS representative accepted a phone payment from you despite the fact that a certified funds flag was placed on your loanYou also state that your concern was escalated to a CMS supervisor; however, she was unwilling to remove the certified funds flag from your loanYou are requesting CMS to remove the certified funds flag from your loan and allow you to resume making online payments as it is inconvenient for you to make certified payments to CMS
At the outset, please note that the servicing of your Veteran’s Administration (“VA”) insured loan was transferred from *** ** *** *** (“***”) to CMS on April 2, On April 6, 2015, CMS issued you a Notice of Service Transfer (“Hello Letter”) notifying you of the service transfer to CMSAt the time of the service transfer your loan was contractually current and showing due for the April 1, mortgage paymentCMS has verified that your loan has remained contractually current and that you began making no-cost online mortgage payments to CMS via its Loan Servicing Website (“LSW”) in June
As you know, CMS received timely and successful online mortgage payments from you through the month of December and in each of the online payments you processed via the LSW, you provided CMS with banking information directing payments to be debited from your checking account held with *** *** *** *** (“***”)A review of our records found that on January 2, 2016, you accessed CMS’s LSW and made another no-cost online mortgage payment in the amount of $1,which was initially applied to your January 1, mortgage paymentSimilar to each of the prior online mortgage payments, you provided banking information directing CMS to debit your checking account held by ***
On or about January 12, 2016, CMS was notified that your January 2, online payment was returned by your banking institution due to nonsufficient fundsOn January 13, 2016, CMS contacted you in an effort to collect the January 1, mortgage paymentThat day, you notified the CMS representative that you replaced the January 1, mortgage payment by making a new payment to CMS via its no-cost online payment systemLater that day, CMS received and applied the new online payment to your January 1, mortgage paymentCMS has confirmed that when making this payment, you again directed the payments to be debited from your checking account held with ***
Over the following five months, CMS continued to receive timely mortgage payments from you via its no-cost online payment systemSimilar to each of the prior online mortgage payments, you provided banking information directing CMS to debit your checking account held by ***On June 4, 2016, you accessed CMS’s LSW and initiated a new online payment in the amount of $1,While entering your banking information, you provided CMS with a valid routing number for a valid checking account held with *** *** *** (“***”)This payment was initially applied to your June 1, mortgage payment
Then, on June 6, 2016, CMS received another online mortgage payment from you in the amount of $1,After reviewing the payment information you entered, CMS has confirmed that you directed the payments to be debited from your checking account held with ***That day, CMS applied the $1,to satisfy your July 1, mortgage paymentAlthough you did not personally notify CMS that the June 4, mortgage payment would be returned, CMS was notified by *** that your June 4, payment was returned unpaid due to nonsufficient funds, which brought your account due for the July 1, mortgage payment as of June 13,
CMS would like to take this opportunity to notify you that it is CMS’s policy to require payments be made via certified funds for a period of one-hundred and eighty days (six months), if two mortgage payments made on a loan are returned unpaid within a six month periodBecause the January 2, and June 4, online payments were both returned unpaid, a flag was placed on your loan requiring you to make payments to CMS in the form of certified funds for the following six monthsCMS apologizes for any inconvenience that this policy may have caused you; however, this policy is in place to prevent customers from forestalling default by initiating payment transactions from accounts with inadequate funds availableCMS’s policy seeks to ensure that customer payments do not continue to be returned unpaid, resulting in nonsufficient funds fees being charged by a consumer’s financial institution and placing additional administrative burdens on CMS
On July 5, 2016, you contacted CMS and explained that you were experiencing difficulty making payments via CMS’s online payment systemApparently, the CMS representative with whom you spoke at that time did not identify that your loan was updated with a certified funds flag that prevented you from making online mortgage payments, and in an effort to assist you, the CMS representative received approval from a CMS supervisor to process a no-charge telephone payment in the amount of $1,which was applied to your July 1, mortgage payment later that same day
On August 8, 2016, you contacted CMS and again explained that you were having difficulty making payments via CMS’s online payment systemThe CMS representative identified that you were required to remit payments to CMS in the form of certified funds because two of your mortgage payments were returned unpaid within a six month periodBecause you were dissatisfied with the information provided to you, you requested that you call be transferred to a CMS supervisorDuring that conversation, the CMS supervisor reiterated that it was CMS’s policy to require mortgage payments be made in the form of certified funds for a six month period once two payments were returned unpaid within a consecutive six month period
Please be advised that there are multiple methods to remit payments to CMS in the form of certified funds, such as *** *** and ***, both of which charge a fee for delivering same day payments to CMSBecause you stated that you could not afford to pay additional fees to send funds to CMS, the CMS supervisor notified you of the option to purchase a money order from the post office for a minimum cost and informed you that the money order could be mailed to CMSAgain, CMS sincerely apologizes if you felt that information provided to you by CMS was inappropriate as CMS’s intention was to provide you with alternate low cost methods to remit mortgage payments to CMS in the form of certified fundsIn light of the above, CMS respectfully declines your request to remove the certified funds requirement from your loan at this time
Please be advised that the last payment CMS received from you was on August 12, in the amount of $1,and that payment was applied to your August 1, mortgage payment the same dayAs of the date of this letter, your loan remains contractually current and is showing due for the September 1, mortgage payment in the amount of $1,Attached for your reference are copies of your loan payment history and the loan servicing system payment codes and definitions
Finally, please note that pursuant to Consumer Financial Protection Bureau (“CFPB”) guidelines, CMS is required to suppress the reporting of loan and payment information to your credit profile for a period of sixty days after receipt of a qualified written request and/or a Notice of Error
Based on the foregoing, we believe the record is clear that because two of the mortgage payments you remitted to CMS in a six month period were returned by your banking institution as being nonsufficient, CMS updated your loan with a flag that required you to remit payments to CMS in the form of certified funds for a six month periodShould you wish to further discuss any aspect of your loan, we encourage you to contact CMS’s Customer Service Department at *** *** for further assistance
We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Eastern Time
Sincerely,
*** ***
Customer Advocate
CC: Revdex.com
IMPORTANT DISCLOSURES
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** ***, *** ** ***, or by calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-EQUAL CREDIT OPPORTUNITY ACT NOTICE-
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC
-SCRA DISCLOSURE-
MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** ***, *** ** ***

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
Problem: I have been experiencing issues making payments using Carrington’s website for monthsI am disputing the “Day Late” payment recorded for November Carrington makes it impossible for its customers to make a paymentCarrington neglected to send monthly mortgage statements to meCustomers can’t obtain their balance or payment due because this info isn’t sent to themIt can’t be accessed on their website either, because the website locks customers out of their login repeatedlyI had escrow requirement changes with my account, which changed the amount dueI called several times for several months to request statements & unlock my accountEach time I was told they weren't aware that they weren’t being sent to meI did not begin to receive statements until I was able to escalate my complaint to a manager in JanuaryCarrington does not allow customers online access to customer account info on the websiteSince I wasn’t able to find payment info from a mailed mortgage statement, I attempted this online many timesUnfortunately, Carrington has had many issues with their loginsOnce a customer sets an account name/password, the website locks itThe “forgot password” and “security question” does not accept your correct answerCustomers are forced to try a 3rd option, by calling Carrington each time they would like to access their account info or make a paymentHowever, Carrington does not employ enough staff to deal with the high volume of calls that it receivesIf you are lucky enough to speak to a live rep, they apologize and tell me that they are aware of the website issues, and that they are working on repairing themCarrington's issues shouldn't be put on their customersWhen I tried the automated phone prompt in November, the recording stated that my payment was hundreds of dollars higher than it should beI couldn't pay their incorrect amount, therefore my November payment was late, even though I was trying many avenues to make a payment.Desired Outcome: I tried many avenues to make my November paymentCarrington prevented me from doing this by making mistakes: Failing to send me a statement, locking me out of their website account info repeatedly, & providing an incorrect payment amount on the automated phone.I have every intention of keeping my account in good standing, but I cannot even refinance my mortgage because of the “day late” that Carrington has notated on my account from NovemberThis has severely impacted my credit and prevented me from refinancing and applying for creditAt the minimum, Carrington needs to reverse November’s “Day Late” payment on my account and to the credit bureausI am eager to have this issue resolved through your dispute research team because not only do I have a strong legal argument for this dispute, but it is also the right thing to doI would like to resolve this issue without involving legal counsel, however, I am prepared to move it that direction in order to preserve my credit
Regards,
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This a negative review I keep paying my payment online and it does not go through after a week Each time I call they tell me I am missing one number on my account I even had my wife complete the form Long story short I read reviews with the exact same complaint The numbers were entered correctly as snap shot on iPads work great They wait and then want to charge you Bucks This has happened since they bought my mortgage from BOA Sounds like a scam that they are pulling

Carrington Mortgage is holding to large of a cushion for my escrow If you add my escrow and insurance and divide by it equals monthly According to law they can only take an additional two months escrow for the cushion If you multiply the by and divide by months thats an extra a month (I'm rounding up also) So they should take 181+21= They are upping my house payment Taking an extra a month, which is a year Also, they will have an overage this year of so where is that money going? They keep telling me that they are taking the right amount, however, I use to be a loan officer so I know this I know that my calculations are correct Also, They have called many times to refinance and they keep telling me my loan is different types of loans Once they said I had a FHA loan and another time a mortgage insurance loan I have a USDA loan and I have my original paper work to prove this They are not my original lender because my len

WARNING!!!! You will have nothing but problems if you attempt to get a loan through this companyI submitted everything they asked for within hours, and each time I am told that’s all, now I missed my contract deadline and stand to loose my earnest deposit, appraisal and inspection funds, because they are busy at the end of month, when they had almost 60days to gather what they needed

Several years back I refinanced my home with *** bank and after a few years my account was sold/transferred to Carrington Mortgage (without my knowledge/permission) Regardless, my account is always in good standing with this company
I live here in South Louisiana and on August 12th our area was impacted by the Great Flood of 2016--Thousands of homes were lost I was impacted by the flooding with up to inches in throughout my home I contacted my insurance carrier and they were quick to react given the number of properties lost and received payment around October The check was made out to myself and my lender (naturally) I also called the lender to advise of the flooding was as sent the necessary forms--at the first call I told the lender that I would be acting as my own contractor (as allowed by my local permit office) Once they received the check in the amount of over $ 40,and over months later (after I had completed the debris removal, installed insulati

Scheduled a payment in January through their website, twice by mistake Website did not allow the cancellation of the erroneous scheduled payment I was charged twice for NSF, because not being able to cancel an erroneous scheduled payment through the website

I applied for a mortgage loan in October for a property I wanted to purchase at *** *** *** ** ***, ** ***I received an email on October 20th that the loan was approved (loan number ***) so I signed all the disclosuresame to proceedI was ordered to do an appraisal, inspection, winterization which required all utilities to be turned on so I connected electric, gas and waterI also had to purchase home owners insurance which I didAll underwriting conditions were met and submitted, final conditions submitted on November 23rd and loan was supposed to be closed on November 30th .I extend my contract three times because nobody will read my loan and issue a clear to close till todayI am been asked to move out of my current residence I occupy with my wife and kids because my current resident has a new owner and I was under the intention my loan will be closed on November 30thThis has caused a great hardship on my and my family as we are about to be homeless with no house