Carrington Mortgage Services LLC

May 28,
ORIGINAL SENT VIA REGULAR MAIL
*** ** ***
*** *** *** *** ** ***
RE: Loan No.: ***
File No.: ***
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 received in our office via e-mail on May 1, 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 the complaint, you allege that you received a notice from CMS on March 25, advising you of a potential foreclosure on the propertyYou go on to say that on March 30, you called CMS to ask what could be done to stop the foreclosure process and you state that a CMS representative confirmed that a reinstatement notice would be sent to you on March 31, Additionally, you state that you received the reinstatement notice on April 7, and believe that the correct reinstatement amount should be $7,and not that amount that was provided by CMS in the reinstatement quoteMoreover, you also say that on April 8, you called CMS to ask for an itemized list of the corporate and expense advances and claim that you never received a responseLikewise, you also say that you received a billing statement on April 28, and it indicated that you owed less in foreclosure fees and costs than what you paid on April 24, Consequently, you want CMS to credit you the difference in the amount of $and that all other fees be removed from your account since you have brought your loan current
At the outset, please note that the servicing of this loan was transferred from *** to CMS on or about October 2, At the time of the service transfer the loan was contractually delinquent and due for the September 1, payment
Additionally, our records indicate that CMS sent you a notice on March 10, advising you that your loan was in default in the amount of $4,The notice also confirmed that the last payment CMS received from you was on January 12, and that it was applied to your November 1, paymentFor your reference, a copy of that notice is attached hereto as Exhibit “A”Thereafter, CMS referred your loan to foreclosure on March 19, At the time of the referral, no additional payments had been received from youOn March 20, 2015, CMS sent you a Post Referral to Foreclosure Solicitation Notice (“PRFSN”) advising you that your loan was referred to foreclosure and that a foreclosure process was underwayAdditionally, the PRFSN also advised you that foreclosure prevention alternatives were available and that you would need to contact our office should you wish to explore those optionsFor your reference, a copy of the PRFSN is attached hereto as Exhibit “B”
On March 31, 2015, you called CMS to inquire about a loan reinstatementThe CMS representative confirmed that she would prepare a Reinstatement Notification that same day and have it sent to your mailing address at Lowell Ave, Pueblo, CO For your reference, a copy of the Reinstatement Notification is attached hereto as Exhibit “C”
On April 7, 2015, you called CMS to confirm that you had received the Reinstatement Notification and requested an itemized breakdown of the reinstatement amountsThe CMS representative advised you that you would need to put your request in writing and submit it directly to our Customer Service Research Department (“CSRD”) via fax at (800) 486-On April 9, 2015, our records indicate we received a fax from you requesting an itemized list of what was owed on your property and a copy of your correspondence is attached hereto as Exhibit “D”
Please note that CMS made an inadvertent clerical error in the Reinstatement Notification we sent to you on March 31, The itemized breakdown of the reinstatement amounts failed to enumerate the late fees in the amount of $as part of the total amount dueThe total reinstatement quote, however, was correct and it included the late charges in the amount of $In other words, the total reinstatement quote in the amount of $7,was correct, but CMS should have provided you with a complete itemized breakdown that included the outstanding mortgage payments for the months of December through April in the amount of $5,141.25, the corporate/expense advances in the amount of $2,553.89, the late fees in the amount of $109.32, and the unapplied funds credit in the amount of $Again, this was an inadvertent clerical error and we sincerely apologize for any inconveniences we may have causedFor your ease of reference, below please find a screenshot of the itemized breakdown that I’m referring to
Thereafter, on April 22, 2015, CMS received a call from an unauthorized third party from *** *** calling on behalf of your fatherThe *** *** representative called to inquire about wiring instructions to make a payment on behalf of your father and to your benefitThe CMS representative advised the *** *** representative that she would be unable to disclose any account information, but did confirm our address should your father wish to send certified funds for a paymentThe address that was provided was *** *** *** *** *** *** *** *** *** ** ***
On April 24, 2015, CMS received a certified check in the amount of $7,from *** ***For your reference, a copy of the certified check is attached hereto as Exhibit “E”Of that amount, $5,was applied to your outstanding mortgage payments from December through April in the amount of $1,eachMoreover, $was applied to the outstanding property inspection fees and $to the foreclosure attorney’s fees and costsOn that date, your unapplied funds credit balance was in the amount of $2,
Furthermore, our records indicate that on May 6, our CSRD responded to your inquiry and addressed your questions regarding the escrow and expense advancesFor your reference, attached hereto as Exhibit “F” please find a copy of that correspondencePlease note that our CSRD did advise you of the outstanding late charges in the amount of $and the foreclosure title services fee in the amount of $
Consequently, on May 27, 2015, CMS applied the uncollected late fee charges in the amount of $and the outstanding foreclosure title services fee in the amount of $from your unapplied funds creditTherefore, as of the date of this letter, you now have an unapplied funds credit balance in the amount of $1,
Based on the foregoing and our investigation, we acknowledge that CMS made an inadvertent clerical error on the Reinstatement Notification we sent to you on March 31, Once again, we sincerely apologize for any inconveniences we may have causedMoreover, please remember that CMS remains committed to the highest standards of customer satisfaction and will do the utmost to assist any customer with a complaint
Lastly, on May 27, 2015, I personally called your home phone number and left you a voicemailThe purpose of my call was to discuss some of your concerns and explain how your reinstatement in the amount of $7,was applied to your accountMoreover, I also intended to ask how you would want to have your unapplied funds credit applied to your accountOnce you receive this correspondence, please call me directly at *** *** so we may discuss how you want to apply your unapplied funds credit to your account
In closing, as of today’s date, your loan is contractually current and due for the June 1, payment in the amount of $1,Once again, as of the date of this letter, you do have an unapplied funds credit balance in the amount of $1,If you have any further questions regarding the administration of your loan, we encourage you to contact our Customer Service Department at *** ***, Monday through Friday, from 8:00AM to 8:00PM, Eastern Time
We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at (866) 874-5017, Monday through Friday, from 8:00AM to 5:00PM, Pacific Time
Sincerely,
Alfredo JVentura
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 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 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 *** *** *** *** ** *** * ***
COLORADO:
For Colorado Residents:
*** ** *** *** *** *** ** *** *** ***

Worst customer service ever!

Tis company bough my loan from Chase In the past year, they have asked me to re-enter my saved bank account number no less than times During one of the re-enters, they claimed that I entered the wrong number by one digit (which is totally untrue) In looking at some of the other comments, it looks like this isn't the first time this has happened Of course they didn't let me know this until there was a fee for a late payment Since then, they have started calling me every single day beginning on the due date (despite the day grace period) to see if I'm ready to make a payment My request for them to stop this practice was ignored and eventually, I had to block their calls This company is intentionally deceptive and harassing, they absolutely should not be allowed to be in business

I am voicing a complaint against Carrington Mortgage CompanyI finally reached them after a week of continuous on line holdI finally reached Carrington Mortgage and spoke with Erin, I asked why did my mortgage increase by 100.00, Why wasn't I notified, What can we do about me not being able to afford a $jumpI first spoke to customer service rep "Erin, shed says there's nothing we can do call your insurance company, so I asked for a supervisor I was then transferred to Latisha, whom says she was a senior resolution specialist, she stated as Erin told you call your insurance company or maybe you should look for you other insurance company cause there is nothing else we can do for you I then asked that I speak with a supervisor as requested, I then was transferred to a supervisor "Joy" she then again stated that the rep stated that my options were either to look into other insurance, pay the overage escrow of because there was nothing else they were willing to

May 4, 2015*** *** *** *** *** ** *** RE: Loan No.: *** Borrower: *** *** *** Property Address: *** *** *** *** ** *** CIDNo.: ***Dear Mr***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is
inreceipt of a complaint filed with the Revdex.com ("Revdex.com") regarding the above-referenced loan received in our office via email on April 14, CMS is committed toresponsible lending and servicing and we would like to address any concerns you may haveThefollowing is our response to the issue(s) raised in the inquiry.As a preliminary matter, the servicing of this Federal Housing Administration ("FHA") insuredloan was transferred from *** ** *** N.A("***") to CMS on April 2, You wereinitially notified of the service transfer as *** issued you the attached Notice of ServiceTransfer ("Goodbye Letter") on March 12, On April 6, 2015, CMS issued you theattached Notice of Service Transfer ("Hello Letter") to you that also notified you of the servicetransfer to CMS.At the time of the service transfer, your loan was contractually current and showing due for theMay 1, mortgage paymentYour unpaid principal balance was in the amount of$133,and your escrow balance contained funds in the amount of $2,493.50.As we understand, you were in the process of refinancing your loan and were scheduled to closeyour refmance transaction on or about April 6, You state that you contacted CMS andrequested a payoff statement be provided to you; however, the CMS representative explainedthat CMS would be unable to provide you with a payoff statement until April 12, Yourcomplaint goes on to state that the CMS representative notified you that you had the option tosend the payoff funds to *** who would forward the proceeds to CMSYou are requesting thatCMS compensate you for the daily interest, for any losses you experienced due to possibly losingyour rate lock, and for any difference in interest rate, and points you may have paid.It is important to note that while your loan was transferred to CMS with an effective of April 2,2015, there is a and customary period of time that can take anywhere from five to sevenbusiness days for loan servicers to ***rd the new loan information into the loan servicing system.CMS is able to confirm that on April 9, 2015, your loan was ***rded into CMS's loan servicingsystem, which was within five business days after the servicing transfer effective date.CMS is unable to confirm or deny that you contacted CMS prior to April 9, as CMS wouldhave no record of this phone conversation until the time that the loan was boarded into CMS'sloan servicing systemShould you have contacted CMS prior to April 9, 2015, CMS would havebeen unable to document the conversation within CMS loan servicing system.A review of our records found that you contacted CMS on April 13, 2014, four days after theloan boarded into CMS's loan servicing systemDuring this phone conversation, you explainedthat your refmance loan transaction was completed and that the payoff proceeds would be sent to*** via bank wire sometime that dayThe CMS representative notified you that as of thatmoment, CMS's loan was not paid off.The same day, CMS received your initial payoff statement request via CMS's Loan ServicingWebsite ("LSW")On April 14, 2015, CMS issued you the attached payoff statement via emailto you at *** showing the amount to pay off the loan was $133,whichwas good through May 1, Also on April 14,2015, CMS received payoff proceeds in theamount of $134,That same day, CMS applied the payoff proceeds to your loan asoutlined belowPayoff Proceeds: $ 134,Principal Balance: $ 133,Monthly Interest: $ Recording Fee: $ Escrow: $ (New Escrow Balance $3,221.59)On April 29, 2015, CMS issued you an escrow refund in the amount of $3,117.47, which leftyour remaining escrow balance in the amount of $Please be advised that the remaining$is being held by CMS to pay the final month of the required FHA Mortgage InsurancePremium ("MIP").In response to your request that CMS compensate you for any amounts of increased dailyinterest, please be advised that FHA loans incur interest monthly which is paid in arrears.Because the prior loan servicer was not in receipt of your payoff funds before the first day ofApril 1, 2015, CMS respectfully asserts that there was no additional daily interest that youincurred by CMS receiving and applying the payoff proceeds to your loan on April 14, 2015.Also attached for your ease of reference is a payoff statement provided to you by *** on March3, 2015.While CMS sincerely apologizes for any inconvenience you may have experienced due to theperceived delay in providing you with a payoff statement, CMS is unable to locate any evidencethat CMS acted improperlyIn fact, we believe that upon being contacted by you on April 13,2015, CMS promptly provided you with a payoff statementTherefore, CMS respectfullydeclines your request to be compensated for any losses you claim to have incurred.Based on the foregoing, we believe the record is clear that CMS has properly managed theservicing transfer of your loan and once your loan was boarded into CMS' s loan servicingsystem, CMS promptly provided you with a payoff statement within one day of your request.Should you wish to further discuss any aspect of your loan, we encourage you to contact CMS'sCustomer Service Department at *** *** for further assistance.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at *** ***, Monday throughFriday, 8:00AM to 5:PM, Eastern Time.Sincerely,*** ***Customer AdvocateCC: Revdex.com

Worst mortgage company ever! Been a Realtor for over a decade and had to use them because of my client, and they were horrible Too many issues to mention!

August 27,
ORIGINAL SENT VIA REGULAR MAIL
*** ***
*** *** *** *** *** *** ** ***
RE: Loan No.: ***
Complaint No.: ***
Borrower: *** ***
Property Address: *** *** *** *** *** *** ** ***
Dear Ms***:
The *** *** Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your rebuttal filed with the Revdex.com (“Revdex.com”) received in our office via email on August 11, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in your inquiry
As you are already aware, our *** *** Department originally received your inquiry filed with the Revdex.com via email on July 13, Please note that your initial inquiry raises the exact same issues as your current inquiryAccordingly, CMS researched your loan and a response was sent to you on August 6,
After a thorough review of your rebuttal, CMS is unable to identify any new issues that have not already been specifically addressed in our prior responseFor your ease of reference, attached hereto as Exhibit “A” please find a copy of the August 6, response
Once again, regarding the alleged poor customer service and communication you claim to have received, CMS is unable to locate any evidence that any CMS representative that you spoke with was unprofessional or uncooperative during your phone callsThat said, while you may have preferred a different outcome, CMS sincerely apologizes for any perceived wrong information or unprofessional communication that you believe you may have received
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 complaintIf you wish to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at *** ***, Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can also send written correspondence including inquiries and complaints about your mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** *** or fax your correspondence to *** ***
We trust that this communication addresses all of the concerns noted in 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
-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 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 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 the Customer Service Department at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***
TEXAS:
Notice to Texas Residents: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, *** *** *** *** *** *** *** ***A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT ***

I was in the hospital due to needing surgery, because of the stress of having major surgery and having to stay in the hospital for days I eneded up making my July mortgage payment July 30, while in my hospital bed!! I was under medication but then it dawned on me I hadnt paid my mortgage!! I jumped out of my sleep and made the payment onlineI received a confirmation that says "Thank you for your payment! your payment made on 7/30/for the amount of $2,from banking account number *** has been successfully submittedth confirmation number is for this transaction is: *** please print this page for your records" which I could seeing I was in the hospital so I took a screen shot to save for my recordsI let go a sigh of relief because I didnt want to be days late as Im in the process of trying to do a refi WITH CARRINGTON using the same carrington lender that got me this FHA loan
To my surprise and dismay I received a credit alert that my scores had dro

January 7, 2015*** *** *** *** ** *** RE: Loan No.: *** Property Address: *** *** ***, *** ** *** Complaint I.DNo.: ***Dear Ms***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of a
complaint filed with the Revdex.com regarding the above-referenced loanreceived in our office via email on December 17, CMS is committed to responsiblelending and servicing and we would like to address any concerns you may haveThe followingis our response to the issue(s) raised in the inquiry.At the outset, please note that the servicing of this loan transferred from Bank of America("BOA") to CMS on or about August 2, Attached for your ease of reference is a copy ofthe August 3, Notice of Service Transfer ("Hello Letter") sent to you by CMSAt the timeof the service transfer your loan was contractually current and showing due for the August 1,payment.CMS initially spoke with you on August 8, During this phone conversation, the CMSrepresentative provided you with the status of your loan and the amount of the monthly payment,$This monthly mortgage payment was made up of a principal and interest payment of$and a monthly escrow collection of $When the CMS representative inquiredwhen you would be making the payment that became due on August 1, 2014, you stated that youwould call CMS the following week to make the payment.On September 26, 2014, you contacted CMS and informed the CMS representative that youwould be calling CMS on October 3, to make the mortgage payment that became due onAugust 1, The CMS representative informed you that the total amount due at that timewas $You explained that you would be able to remit only one payment in the amount of$on October 3, 2014.On October 3, 2014, you contacted CMS and requested that CMS accept a single payment in theamount of $The CMS representative notified you of the customary $phonepayment feeYou declined this payment option stating that you would mail the payment toCMSOn October 7, 2014, CMS received funds in the amount of$which was applied tothe August 1, mortgage payment.On October 14, 2014, you contacted CMS and inquired whether CMS received your recentpaymentThe CMS representative confirmed that CMS received $on October 7, 2014which satisfied your payment obligation for the month of August 2014.Although CMS continued numerous attempts to contact you over the following weeks, CMSreceived no response from you until December 15, That day, you contacted CMS andrequested that the CMS representative provide you with an explanation of the uncollected feesshowing due on your loanThe CMS representative explained that when a loan becomesdelinquent, CMS may inspect the property to protect its security interestBecause you requestedto speak to a supervisor, your call was then transferred to Ms*** ***.During this conversation, Ms*** outlined your loan payment history and also explainedthat pursuant to your Security Deed, CMS may permissibly pass the cost of the propertyinspections to youMs*** went on to explain that if your loan continued to be in default,CMS would continue to order property inspections on a monthly basis and the fees would bepassed along to youBecause you were unsatisfied with this information, you requestedinformation to send a written complaint to CMSMs*** then provided you with theCustomer Service Research Department fax number.For your ease of reference, please see Section Five (5) Occupancy, Preservation, Maintenanceand Protection of the Property; Borrower's Loan Application; Leaseholds of the attachedSecurity Deed that states: Lender may inspect the property if the property is vacant orabandoned or the loan is in defaultLender may take reasonable action to protect and preservesuch vacant or abandoned property.As of the date of this letter, CMS has completed three property inspections in the amount of$each for a total amount due of $The first property inspection was ordered onSeptember 11, and completed on September 15, At the time this initial propertyinspection was ordered, your loan was in default and showing due for the August 1, 2014paymentThe $fee was assessed to the loan on September 29, 2014.On October 12, 2014, CMS ordered a second property inspection which was completed October15, At the time this second property inspection was ordered, your loan was in default andshowing due for the September 1, paymentThe $inspection fee was assessed to theloan on November 10, 2014.The third property inspection was ordered on November 12, and was completed onNovember 18, At the time this third property inspection was ordered, your loan was indefault and showing due for the October 1, paymentThe $fee was assessed to theloan on December 2, Attached are copies of each of the three property inspections.In regards to the late fees that have been assessed to your loan, please be advised that anoutstanding late charges in the amount of $was showing due at the time of the servicetransfer to CMSBecause CMS did not receive your August 1, and September 1, 2014payments on or before the sixteenth day of the month in which the payments became due, twolate fees in the amount of$were assessed to your loan on October 7, This broughtthe total late charge balance to $41.46.On November 4, 2014, CMS received funds in the amount of $which was applied to thepayment that became due on September 1, in the amount of $The remaining$was held in the unapplied account until the time that the additional funds were receivedequaling the next contractual payment that was due at that time.On November 18, 2014, CMS received funds in the amount of $which were applied tothe payments that became due on October 1, in the amount of $and the November 1,in the amount of $The remaining $was applied to the outstanding latecharges making the new outstanding late charge balance $Because CMS was not inreceipt of the payment that became due on December 1, on or before end of business onDecember 16,2014, a late fee in the amount of$was assessed to your loan.On December 29, 2014, CMS received your December 1, mortgage payment in the amountof $This satisfied the December 1, payment in the amount of $and theremaining $paid the late fee assessed on December 17, leaving the outstanding latecharge balance in the amount of $The outstanding late fee balance of $along withthe outstanding property inspection fees in the amount of $brings the total outstanding feesto $For your ease of reference, your loan payment history is summarized below.08/02/Service Transfer to CMS - Loan due for the 08/payment $07/01/1409/29/Inspection Fee - - - $$-10/07/Payment $$$- $08/01/1410/07/Late Fee (08/14) - - - $$-10/07/Late Fee (09/14) - - - $$-11/04/Funds Received $$$- $09/01/1411/04/Payment -$$- $-/10/Inspection Fee - - $$$-11/18/Funds Received $$$,- $-11/18/Payment - -$$- $10/0111411/18/Payment - -$$- $11/0111411/18/Fee Payment - -$$-$$-12/02/Inspection Fee - - $$$-12/17/Late Fee (12/14) - - $$$-12/29/Payment $$$- $12/0111412/29/Fee Payment - - -$-$$-We would like to take this opportunity to remind you that all payments are due on the first day ofeach month and are considered late as of the second day of the monthIf the mortgage paymentis not received by CMS after the sixteenth day of the month, a late fee will be assessed to yourloanAny payment received by CMS after the month in which the payment became due may bereported to the credit reporting agencies as delinquent.We encourage you to remit your payment to CMS on the date that it becomes due to prevent latefees, property inspections, and/or derogatory credit reporting for any unexpected issues that mayarise when making your monthly mortgage paymentAs of the date of this letter, your loan iscontractually current and showing due for the January 1, mortgage payment for a totalamount due of $580.26.Based on the foregoing, we believe the record is clear that CMS has properly assessed latecharges and property inspection fees to your loan after your loan became delinquent pursuant tothe Security Deed and Promissory NoteShould you wish to further discuss any aspect of yourloan, we encourage you to contact our Customer Service Department at (800) 561-forfurther assistance.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at (866) 874-5017, Monday throughFriday, 8:AM to 5:PM, Eastern Time.Sincerely, *** ***Customer Advocate CC: Revdex.com

August 28,
ORIGINAL SENT VIA REGULAR MAIL
*** ** ***
** *** *** *** ** ***
RE: Loan No.: ***
Complaint 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 August 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 your inquiry
As we understand your complaint, you allege that after your loan was transferred from *** ** *** *** (“***”) to CMS you have experienced difficulty making your monthly mortgage paymentsYou go on to say that the first payment you made to CMS was not processed and were advised by a CMS representative that the bank account information you entered during the payment transaction was incorrectAlso, you state that CMS locked your online account and were unable to make your June 1, or July 1, mortgage payment before the due dateMoreover, you also claim that CMS informed you that your monthly mortgage payment would increase due to an escrow shortageConsequently, your desired resolution is for CMS to unlock your online account, waive any late fees assessed as a result of your May 1, through July 1, mortgage payments, remove any credit delinquencies reported to the credit bureaus since the effective date of service transfer, and to provide you with a detailed explanation as to your monthly mortgage payment increase
At the outset, please note that the servicing of your loan was transferred from *** to CMS on or about April 2, At the time of the service transfer your loan was contractually delinquent and due for the April 1, payment
On May 2, our records indicate that you made an online payment in the amount of $Of that amount, $was due for the April 1, payment and $was due in late charges assessed by the prior servicerThereafter, on May 5, our records indicate that your payment was rejected due to CMS being unable to locate your accountResultantly, CMS sent you a Payment Rejection Letter on May 6, advising you that your payment was rejected and to call our Collection Department with any questionsFor your reference, attached hereto as Exhibit “A” please find a copy of the May 6, payment rejection letterMore specifically, the electronic communication we received indicated that you had provided a bank account number of “***” and a routing number of “***”In our experience, the use of incorrect account numbers can be an indicator of attempted access by an unauthorized party; accordingly, when this happens, CMS’s policy is to lock your online account, send you a Payment Rejection Letter, and unlock your account after you call and speak with a CMS representative and confirm your correct routing and bank account number
Then, on May 18, our records indicate you called CMS to have your online account unlocked and to make a mortgage paymentOn this same date, a CMS representative processed your payment in the amount of $Once again, of that amount, $was due for the April 1, payment and $was due in late charges assessed by the prior servicerPlease note that your May 18, payment was successfully processed and applied as aforesaidThereafter, on May 21, our records indicate that CMS sent you a Notice of Change (“NOC”) letterFor your reference, attached hereto as Exhibit “B” please find a copy of the May 21, NOCThe purpose of the May 21, NOC was to notify you that your bank had advised our office that either an inaccurate routing number or an inaccurate account number was used on a recent payment that you may have provided to a CMS representative, entered through our website, or entered through the pay-by-phone option
Additionally, the letter also advised you that it would be necessary to contact your bank and confirm your account and routing numberSpecifically, during your pay-by-phone payment, you provided the CMS representative with a bank account number of “***” and a routing number of “***”In the notification we received from your bank, we were advised that your correct routing number is “***” and not “***”Once again, the use of incorrect account numbers can be an indicator of attempted access by an unauthorized party; accordingly, when this happens, CMS’s policy is to lock your online account, send you a notification letter, and unlock your account after you call and speak with a CMS representative and confirm your correct routing and bank account number
Subsequently, on May 30, our records indicate that you made an online payment in the amount of $Of that amount, $was applied to the May 1, payment and $was applied towards your escrow balanceThereafter, on June 2, our records indicate that CMS sent you another Notice of Change (“NOC”) letterFor your reference, attached hereto as Exhibit “C” please find a copy of the June 2, NOCThe purpose of the June 2, NOC was to notify you that your bank had once again advised our office that either an inaccurate routing number or an inaccurate account number was used on a recent payment that you may have provided to a CMS representative, entered through our website, or entered through the pay-by-phone option
Specifically, during your May 30, online payment you entered a bank account number of “***” and a routing number of “***”In the notification we received from your bank, we were again advised that your correct routing number is “***” and not “***”Once again, the use of incorrect account numbers can be an indicator of attempted access by an unauthorized party; therefore, CMS locked your online account, send you a notification letter, and advised you to contact a CMS representative and confirm your correct routing and bank account number in order to unlock your online account
On June 30, our records indicate you made a payment via *** in the amount of $Of that amount, $was applied to the June 1, payment and $was applied towards your escrow balance
On July 1, our records indicate that CMS assessed a property inspection fee in the amount of $A property inspection was conducted to determine whether the property was vacant in an effort to protect the security interest in the propertyMore specifically, please note that CMS has the authority to inspect the property if the property is believed to be vacant, abandoned, or if the loan is in defaultOnce again, property inspections are conducted out of abundance of caution and to protect you and the security interest in the propertyFor your reference, please see section five (5) of your Mortgage for the specific terms and conditions regarding property inspections attached hereto as Exhibit “D”
That said, our records indicate you made a payment via *** on July 31, in the amount of $Of that amount, $was applied to the July 1, payment, $was applied to the June 1, payment late fee assessment, and $was applied to the property inspection fee assessed on July 1,
As of the date of this correspondence, our records indicate that your online account is unlocked and that your loan is due for the August 1, payment in the amount of $and a late fee assessment for the July 1, payment in the amount of $for a total amount due of $As a reminder, your Promissory Note provides you a fifteen (15) day grace period after the due date to pay your monthly payment without a late chargeIn other words, the mortgage payments are due on the first (1st) of each month and considered late if not received by the sixteenth (16th) of the monthFor your reference, attached hereto as Exhibit “E” please find a twenty-four (24) month payment history along with the transaction codes and definitions
Furthermore, regarding your payment increase and escrow account, please be advised that on May 27, CMS analyzed your escrow account and sent you an Annual Escrow Account Disclosure Statement (“AEADS”)For your reference, attached hereto as Exhibit “F” please find a copy of the May 27, AEADSThe purpose of the AEADS was to advise you of your projected escrow activity for your escrow cycle beginning August and ending July More specifically, the AEADS projected that your yearly city taxes would be $1,055.36, your yearly school taxes would be $343.98, your yearly mortgage insurance premium would be $340.92, and that your yearly homeowners insurance premium would be $Correspondingly, your total disbursements for your escrow cycle beginning August and ending July were calculated to be $2,386.26, which if spread over a twelve (12) month period is equal to approximately $every month
That said, please note that a mortgage servicer is permitted by law to collect an escrow cushionAn escrow cushion is a minimum amount of money held in your escrow account to prevent your escrow balance from being overdrawnThe reason that escrow cushions are permitted is that, from time to time, payments for escrow items may become due in excess of funds available in the escrow accountBecause escrow items remain the borrower’s responsibility, lenders are permitted to collect a cushion in case payments due for such items exceed available funds
Specifically, the Real Estate Settlement Procedures Act (“RESPA”) authorizes a maximum escrow cushion not to exceed 1/6th (i.e., up to two (2) months of escrow payments) of the total annual projected escrow disbursements made during an escrow cycle over twelve (12) months, unless state law allows for a lesser amountAdditionally, when your escrow balance reaches its lowest point during the escrow cycle, that balance is targeted to be your 1/6th escrow cushion amountIf you wish to have a better understanding of RESPA, escrow accounts, and your rights as a consumer, CMS encourages you to visit the U.SDepartment of Housing and Urban Development website at ***
Therefore, CMS is authorized to collect no more than 1/6th of your total projected escrow disbursement for your escrow cycle beginning August and ending July Please note that CMS will only collect 1/6th of your total projected escrow disbursement for your yearly city taxes, your yearly school taxes, and your yearly homeowners insurance premiumCMS does not include the disbursement of your yearly mortgage insurance premium in the collection of the 1/6th monthly escrow cushion amountCorrespondingly, the total escrow cushion that CMS may collect is $340.88, which represents two (2) months of escrow payments
Based on the calculations from the May 27, AEADS, your low point escrow balance was -$As a result, in order to reach a low point escrow balance of $340.88, the allowed 1/6th escrow cushion, CMS needs to collect an escrow shortage in the total amount of $Please note that your escrow shortage will be collected over a twelve (12) month period starting with your August 1, paymentResultantly, that is the reason why your overall monthly mortgage payment increased by $76.36, from $to $
Additionally, if you cannot afford your new monthly mortgage payment, please know that CMS does offer various mortgage assistance programsIf you would like to explore the mortgage assistance opportunities that may be available to you, we encourage you to visit our website at *** or call our Home Retention Department to speak with a representative at *** ***, Monday through Friday, from 7:00AM to 5:00PM, Pacific Time
As a result of our investigation we find no evidence of wrongdoing on CMS’s behalfOnce again, CMS locked your online account due to the use of incorrect account numbers and to prevent any possible attempted access by an unauthorized partyMoreover, CMS encourages you to confirm your routing number and bank account number with your bankAs previously mentioned, your bank has notified CMS that your correct routing number is “***” and not “***”Please further note that CMS is not responsible for any payments that are submitted via the website in error since your bank account information is solely entered by you during the payment transactionAdditionally, we respectfully submit that the collection of the cushion is permitted by law and common within the mortgage industryTherefore, CMS will continue to comply with federal law and collect the allowable escrow cushion
Likewise, CMS respectfully denies your request to waive the late fee assessments for the June 1, and July 1, mortgage payments because they were assessed correctly pursuant to the terms of your MortgagePlease also note that CMS is obligated by federal law to provide timely and accurate credit reporting in regards to your account status and payment historyCorrespondingly, we submit that the information reported to the credit bureaus is correct and properly reflects your account status and payment history
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 complaintIf you wish to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at *** ***, Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can also send written correspondence including inquiries and complaints about your mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** *** or fax your correspondence to *** ***
We trust that this communication addresses all of the concerns noted in 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
-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 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 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 the Customer Service Department at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***
NEW YORK:
New York City Department of Consumer Affairs License Number
This Collection agency is licensed by the City of Buffalo license numbers: &
For New York residents: You may file complaints about CMS with the New York State Department of Financial ServicesYou may obtain further information from the New York State Department of Financial Services by calling the Department’s Consumer Assistance Unit at *** or by visiting the Department’s website at ***Carrington Mortgage Services, LLC is registered with the Superintendent of the New York State Department of Financial Services

June 11,
ORIGINAL SENT VIA REGULAR MAIL
*** ***
*** ***
*** *** *** *** *** ** ***
RE: Loan No.: ***
Complaint No.: ***
Primary Borrower: *** ***
Secondary 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”) regarding the above referenced loan received in our office via e-mail on May 18, 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 your loan was recently sold from *** ** ***, *** (“***”) to CMS and that you did not receive any notification from CMS about the sale until April 15, You also allege that you made an online payment; however, your payment was rejected because the system was unable to identify your accountYou go on to say that when you made your second online mortgage payment CMS required you to pay two (2) monthly paymentsAdditionally, you state that CMS sent you a Notice of Intent to Foreclose and that you feel threatened by CMS’s correspondenceAlso, you state that you have correspondence that your escrow items have not been paid and allege that CMS is not making escrow disbursementsLastly, you state that CMS informed you that our office would not honor the removal of your Property Mortgage Insurance after five (5) years of consecutive payments
At the outset, please note that the servicing of your loan was transferred from *** to CMS on or about April 2, At the time of the service transfer your loan was contractually current and due for the April 1, payment
Based on a review of your loan, please be advised that CMS sent you a Notice of Servicing Transfer (“Hello Letter”) on April 6, The Hello Letter was sent to your home address at *** *** *** *** *** ** ***For your reference, a copy of the Hello Letter is attached hereto as Exhibit “A”The purpose of the Hello Letter was to 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 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 methods available to you for making a payment 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 home address at *** *** *** *** *** ** ***For your reference, a copy of the NSOML is attached hereto as Exhibit “B”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 inquires 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
On April 15, 2015, you called CMS to express your concern because your payment was due on April 1, and you had just received the Hello LetterThe CMS representative correctly advised you that your Hello Letter was mailed on April 6, and that you were still within the sixty (60) day grace period during which CMS would not assess any type of late fee or report any delinquency to the credit bureausDuring this phone conversation, you asked about mortgage payment options and the representative informed you of the various payment options that CMS offers
On May 5, you called CMS once againDuring this phone conversation you advised the CMS representative that you were locked out of your online accountThe CMS representative proceeded to unlock your accountThen you inquired about auto draft payments and wanted to know how quickly CMS would withdraw the funds from date of enrollmentThe CMS representative informed you that it could take up to forty-five days (45) to process your auto draft application and for the automatic payments to commenceLastly, you asked the CMS representative why your April 24, payment in the amount of $1,did not go through and the representative confirmed that CMS was unable to locate your checking accountPlease note that the representative was in the process of verifying the routing number and checking account number you had entered on your online payment when the call disconnectedWe believe the call may have ended due to an unexpected technical error
A few minutes later on that same day, you called CMS once againDuring this phone call you again inquired why your April 24, payment did not go throughThe representative advised you that CMS was unable to locate the checking account number you provided and encouraged you to re-enter both your routing number and checking account number on your online account at the time of your next paymentYou then proceeded to inquire about the removal of your Property Mortgage Insurance (“PMI”) because you had been making payments on the loan for five (5) yearsThe representative correctly advised you that CMS’s policy on the removal of PMI differs from that of your prior servicerSpecifically, the representative confirmed that your prior servicer may have only required PMI for five (5) years of consecutive payments; however, CMS requires that your loan-to-value ratio be at 78%In other words, CMS’s policy is not based on the number of years you have paid PMI; it is instead based on the loan-to-value ratioYou acknowledged that you understood the explanation from the representative and the call ended after you confirmed you had no further questions
On May 13, you called CMS to inquire about the Notice of Intent to Foreclose (“NOI”) you had receivedDuring the phone conversation, the CMS representative did advise you that the NOI was automatically generated on May 6, because your account was over thirty (30) days past dueMoreover, the representative also confirmed that a late fee was not assessed and that no delinquency would be reported to the credit bureausPlease note that the Real Estate Settlement Procedures Act (“RESPA”) prohibits CMS from assessing any late fees or reporting any delinquency to the credit bureaus for the first sixty (60) days from the effective date of service transferRESPA does not, however, limit the rights of the creditor to pursue a foreclosure action if the loan is not brought currentSpecifically, the representative did advise you that if you made your mortgage payments after the date of the NOI, then you could disregard the notice as it would no longer apply to your account
On June 9, 2015, solely as an expression of our commitment to the highest standard of customer satisfaction, I personally called you to discuss some of your concerns and explain why your April 24, payment did not go throughDuring our phone conversation, I confirmed that you entered an incorrect account number for your April 24, online paymentSpecifically, on your April 24, payment you entered your routing number as “***” and your checking account number as “***”I then proceeded to confirm that on your May 13, payment you entered your routing number as “***” and your checking account number as “***”For your reference, attached hereto as Exhibit “C” please find a copy of your April 24, and May 13, online payment transactions
Consequently, and based on the aforesaid transactions, it is evident that the reason why your April 24, payment was not processed was because you entered an incorrect checking account numberSubsequently, CMS was unable to locate the account specified and could not process your paymentFor your reference, attached hereto as Exhibit “D” please find a copy of the letter CMS sent you on May 4, confirming why your April 24, payment was not processed
Furthermore, during our phone conversation you also expressed concern that CMS was not providing a similar service as your prior servicerSpecifically, you said it was not fair that CMS would not honor the removal of your PMI after five (5) years of consecutive payments when your prior servicer had agreed to do soI proceeded to explain that CMS’s policy on the removal of the PMI is different than that of your prior servicer and that your PMI could be removed once your loan-to-value ratio reached 78%To initiate that process, and if your loan-to-value ratio is at least 78%, you were encouraged to contact our Customer Service Department at *** ***
Lastly, during our phone call, we also discussed the Annual Escrow Account Disclosure Statement (“AEADS”) you received from CMS with a date of May 8, For your reference, a copy of the AEADS is attached hereto as Exhibit “E”As I explained over the phone, the purpose of the AEADS is to advise you of your projected escrow activity for your escrow cycle beginning July and ending June More specifically, the AEADS projected that your yearly county taxes would be in the amount of $1,657.72, your yearly homeowners insurance in the amount of $1,825.58, your yearly flood insurance in the amount of $462.00, and your yearly FHA insurance in the amount of $Correspondingly, your total disbursement for your escrow cycle beginning July and ending June was calculated in the amount of $4,
Moreover, please note that a mortgage servicer is permitted to collect an escrow cushionAn escrow cushion is an amount of money held in your escrow account to prevent your escrow balance from being overdrawn when increases in disbursements occurPlease note that RESPA authorizes a maximum escrow cushion not to exceed 1/6th of the total annual projected escrow disbursements made during an escrow cycleAdditionally, when your escrow balance reaches its lowest point during the escrow cycle, that balance is targeted to be your 1/6th escrow cushion amountTherefore, CMS is authorized to collect no more than 1/6th of your total projected escrow disbursement for your escrow cycle beginning July and ending June The total escrow cushion that CMS may collect is $
Currently, based on our calculations, your low point escrow balance is in the amount of $As a result, in order to reach a low point escrow balance of $657.54, the allowed 1/6th escrow cushion, CMS will be collecting an escrow shortage in the total amount of $Please note that the $escrow shortage will be collected over a twelve (12) month period starting with your July 1, payment
If you wish to have a better understanding of RESPA, escrow accounts, and your rights as a consumer, CMS encourages you to visit the U.SDepartment of Housing and Urban Development website at http://portal.hud.gov/hudportal/HUD
We acknowledge that as a former customer of *** you may have been accustomed to different online features and policiesPlease note that CMS strives to satisfy all reasonable customer expectations, and we are always working towards providing better services
In closing, our records confirm that CMS is disbursing payments from your escrow accountSpecifically, on April 27, our office paid your yearly homeowners insurance premium in the amount of $1,825.58, on June 2, we paid your yearly flood insurance premium in the amount of $533.00, and on June 5, our office paid your monthly FHA insurance in the amount of $
Moreover, our records also confirm receipt of your most recent online payment in the amount of $2,which was applied to your April 1, and May 1, paymentsAs of the date of this letter, you are due for the June 1, payment in the amount of $1,As a reminder, a late fee will be assessed if your payment is not received by June 16,
As always, CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you wish to contact CMS 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 *** ***Lastly, if you wish to learn more about the additional services available at CMS please visit our website at https://carringtonms.com to obtain that information
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,
Alfredo JVentura
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 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 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, and 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 *** *** *** *** ** ***

July 1,
*** ***
** *** ***
*** ** ***
RE: Complaint ID No.: ***
Loan No.:
***
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 June 5, 2015. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in the inquiry
As we understand the complaint, you claim that CMS is responsible for a lien filed against the subject property due to non-payment of property taxes. You further state that your loan is escrowed and when you received a notice from the tax collector that your property taxes were delinquent you contacted CMS. You also indicate that you sent CMS a copy of the tax notice on May 19, and that the CMS representative you spoke with confirmed receipt of the document and assured you the matter would be addressed promptly. However, when you called CMS at the beginning of June 2015, the matter had not been resolved and the property taxes were still due. You go on to state that it took several conversations with CMS to insure your property taxes were paid. On June 4, 2015, CMS sent the tax collector the required payment; however a lien was filed against the subject property
At the outset, please note that the servicing of this loan was transferred from *** *** *** *** (“***”) to CMS on or about February 4, 2014. At the time of the service transfer your loan was in default and due for the December 1, payment
Upon review, our records show that after the service transfer your escrow account was set up to advance payment of property taxes to *** *** on September and again in March 2015. In addition, CMS completed an escrow analysis on March 28, 2014, which projected these tax advance payments. A copy of this escrow analysis is attached for ease of reference. Subsequently, *** *** (“***”), the vendor who is retained to manage tax payments for your loan did not pay the property taxes that were due September due to an inadvertent system error. In addition, our review shows that this inadvertent error resulted in the non-payment of your property taxes due March
Furthermore, a review of our records show that you contacted CMS on May 18, and during this call you informed the CMS representative that you had received a delinquent tax notice. In an effort to further assist you, the CMS representative encouraged you to send a copy of the notice to the Tax Department and provided you a fax number. On that same day, the CMS Tax Department received a copy of the delinquent tax notice and the matter was referred to *** for further research. On June 1, 2015, CMS escalated this matter to expedite the disbursement of property taxes. On June 3, 2015, a *** representative spoke with the tax collector agency and obtained the amount due to pay the taxes current. On that same day, a check was requested in the amount of $2,plus $for penalties and interest. The $2,was charged to your escrow account; however, the $was paid by *** by separate check. On June 4, 2015, the payment was sent to *** *** tax collector via federal express, tracking number 2447. Also, on June 4, 2014, you spoke to *** *** of the CMS Tax Department who informed you the payment had been sent to the tax collector and Ms*** also took this time to express our apologies for the delay in the payment of your taxes and for any inconvenience you may have experienced
On June 5, 2015, *** confirmed the payment had been received by the tax collector On that same day, you also received a call from a *** representative to inform you the payment had been received by the tax collector and also to express their apologies for the late payment and any inconvenience you may have experienced
Based on the foregoing, we acknowledge that CMS missed opportunities to provide you with a more timely response to your concerns regarding non-payment of your property taxes due to the inadvertent system error. We would like to take this opportunity not only to express our sincerely apologies for any inconvenience that you have experienced, but also to express our gratitude for bringing this matter to CMS’s attention. CMS is always looking for ways to improve service levels and further demonstrate our commitment to compliance, and the borrowers’ feedback is important us. Lastly, *** has confirmed the system error has been addressed to avoid any repeat of this type of occurrence. In addition, we have also confirmed there was no tax lien filed against your property
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 ***
-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 contact with Carrington Mortgage almost monthly to dispute service fees that the company adds onI pay a late payment and extra on my mortgage each month, but they continue to harrass me with phone calls and threatening mail

*** *** *** *** ** *** RE: Loan No.: *** Borrower: *** *** Property Address: *** *** *** *** ** *** Dear Ms***:The Customer Advocate Department of Carrington Mortgage
Services, LLC ("CMS") is inreceipt of your complaint filed with the Revdex.com ("Revdex.com") received in our officevia email on June 1, CMS is committed to responsible lending and servicing, and wewould like to address any concerns you may haveThe following is our response to the issue(s)raised in your inquiry.As we understand your complaint, you applied for a Making Home Affordable ("MHA") loanmodification with CMS in February but were informed that you did not qualifyYou thenrequested to speak with a licensed insurance agent but did not receive a call back as you wereinformed you wouldThough you have made several attempts to contact CMS to discuss themodification denial, you have not received answers to these inquiresAs a result, you aredissatisfied with the level of customer service you receivedYou are requesting that CMSprovide you an explanation regarding the MHA modification denial.At the outset, a review of our records found that this Federal Housing Administration ("FHA")insured loan was originated on or about November 5, in the amount of $182,141.00.Attached for your ease of reference is a copy of your Note and Mortgage both dated November5, As you are aware, the servicing of your loan was transferred to CMS on or about August1, Attached for your ease of reference is the August 3, Notice of Servicing Transfer("Hello Letter") advising you of the transfer to CMS.Our records show that you contacted CMS on or about February 24, to inquire about homeretention options under the MHA ProgramOne of the options included within the MHAProgram is a FHA-Home Affordable Modification Program ("HAMP") loan modificationIt isimportant to note that as a part of the FHA-HAMP review process, CMS is required to reviewyour loan for all loss mitigation options pursuant to the HUD guidelines that govern FHA loans.HUD requires CMS to follow strict guidelines setting forth allowable loss mitigation options thatmust be reviewed in a specific order, known as the "FHA Waterfall." This FHA Waterfallrequires CMS to review all FHA loans for the following options in this order: Forbearance Plan,Loan Modification, FHA-HAMP Loan Modification, Short Sale and Deed in Lieu of Foreclosureas directed in the HUD Mortgagee Letter 2012-22.After receiving your hardship package on February 24, 2015, CMS spoke to you on February 26,During that call, you were advised of potential refinance optionsOn February 27, 2015,CMS sent you the attached Initial Package Acknowledgement Incomplete NotificationTheIncomplete Notification indicated that in order to determine your eligibility for mortgageassistance, CMS must receive the following documents no later than April 3, 2015: 1) SSIAward Letter for the $on your bank statements and 2) clarification regarding whether youwere using your husband's income or not.Additionally, CMS spoke with you regarding the missing documents required for the mortgageassistance review on March 3, On March 4, 2015, CMS received the additional documentsand promptly proceeded to review your loan for all available mortgage assistance options.Unfortunately, CMS was unable to offer you an FHA-HAMP loan modification due to excessiveforbearanceOn April 17, 2015, CMS sent you the attached HAMP Non-Approval Notice, whichset forth that a modification could not be offered because CMS could not create an affordablepayment without changing the terms of your loan beyond the requirements of the program.On April 23, 2015, you contacted CMS to discuss the denial of your mortgage assistanceapplicationUnfortunately, a CMS representative was unavailable to immediately take your calland a call back was scheduledHowever, CMS did not contact you prior to you reaching out toCMS again on April 27, CMS apologizes that a CMS representative did not promptlyreturn your callOn April 27, 2015, a CMS representative advised you about refinance options,and you indicated that you would further explore these options.On April 28, 2015, you emailed CMS with a request for a call backYou were advised by theCMS representative that a specialist would call you back within hoursHowever, it does notappear that a follcall was madeAgain, CMS would like to apologize that a CMSrepresentative did not promptly return your callCMS will conduct an investigation regarding thecustomer service you received and take any action necessary in light of our findings.As your loan was denied for all home retention options, CMS also reviewed you for homedisposition options, which included a Short Sale and Deed-in-Lieu of Foreclosure ("DIL").However, it appears that you voluntarily declined both optionsAttached is the Short Sale NonApprovalNotice and the DIL Non-Approval Notice, both dated April 29, 2015.Although CMS was unable to offer you any home retention options under MHA, additionaloptions may be available to you, including a refinanceUnder a refinance, the loan's debt can berestructured to reduce the monthly payment amountIn an effort to continue diligently assistingyou, CMS made a follcall to you on June 22, A CMS representative left a voicemailindicating that additional options may be available to you.Also on June 22, 2015, CMS assigned *** ***, an *** licensed loan officer, todiscuss available refinance options with youMr*** spoke to you that same day and wasable to obtain an application from you so that CMS may review you for an FHA Streamlinethirty (30) year fixed refinanceShould you have any questions regarding the refinance process,CMS encourages you to contact *** *** directly at *** *** Monday throughFriday, 8:00AM to 5:00PM, Pacific Time.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at *** ***, Monday throughFriday, 8:00AM to 5:00PM, Pacific Time.Sincerely, *** ***Customer AdvocateCC: *** *** (Revdex.com San Diego)

Back in Sep we found out that our mortgage holder was charging us in late fees and saying we were a payment behindThey bought our mortgagae a year and a half agoIn 11-I made payments totalling They told me on 11-28-I was at balanceNow since 1-they are saying we sill owe in feesThey are trying to say they dont know what happenedOn my statement it says we owe in over due plus we owe another in payment, but on our home page it says we do not have a payment due till 3-1-of 929.77? This is all not adding upwe paid is what t we owed now they are trying to get more money and more moneyThey have told me since 1-that it would be fixed next monthNow in 2-it is still not fixed

4/18/I called Carrington Mortgage to verify my mortgage payment made on 4/13/because my bank acct showed it wasn't taken out, my first call was at 10:15am, the service repstated I need to call my bank and verify what happened, my bank verified the number to the acct was entered wrong, at 10:I called back spoke with a service rep by the name of *** id #*** giving her the correct last few digits she stated that I would have to pay a late charge and a service charge before she could accept payment I aske for a supervisor she refused to allow me to speak to one, said all she could do was transfer to the innivations deptand they could let me speak to one so here I go again explaining my problem to the next woman who in fact was very rude its like they had spoken while I was on hold mins, after she responded with the same response as the first lady and refused to take payment and wouldn't wave the fees I asked to speak to a supervisor she refused giving me her name but

Carrington lost one of my payments (March) that was made by my bank (2/28/2017) through automatic bill payThey in turn charged a $late fee and I had to pay a $stop payment fee to my bank for the automatic paymentThis is the second time I have had issues with Carrington since my loan was sold to themThe refund of the funds could be further complicated by the fact that I will be getting a different home lender to avoid further Carrington issues in the futureBy the time this Revdex.com issue is looked at I may not have a Carrington account to deposit funds into

My mortgage was sold to them from *** They offered me an option to refi with them, and for the most part, THAT process wasn't too much of a trial
Then I had water damage to my condo as a result of a neighbor (no fault of my own)The check was sent to Carrington and held in escrow I sent the required paperwork, received the first draft, and then requested an inspection for the electrical work I get a call back saying that I can't schedule an inspection until all the paperwork is received and I was missing parthow is that possible when I couldn't get the first check without it?!?! OK, I send again Two weeks later, they tell me they don't have it I finally get someone on the phone who is halfway decent, puts me on hold and then finds the information that was in my file the whole time, then he puts in the request for the electrical inspection Two weeks later the inspector comes, but doesn't have the electrical breakdown I show him all the work that's been done and he leaves I'm waiting and waiting for a check Finally get a supervisor on the phone who tells me that they weren't aware it was an electrical inspection, and since there wasn't a break down, I'll have to get another inspection before they can disburse the funds I am finally able to argue with them not to get another inspection They go back to the insurance company, get the electrical breakout, and then agree to send me a check for the balance of the electricalThey promise it will be sent out in a day, but it gets sent out a week later, and then instead of using the *** label I sent them, they send it out regular mail, which takes another 2-business days I end up paying the electrician in December for work finished in October
Another inspection is ordered All I have left to do is some carpeting, but all of the drywall, insulation, and paint is completed I call them to confirm that they are sending me a check to find out that they are only sending me 25% of what's left! I'm fighting with my mortgage company to get the money I need to fix my houseI pay my mortgage on time, but have to wait MONTHS for them to pay me so I can pay people working in my home Who knows what interest and investments that they are making off of the money in escrow and why you have to fight for it Btw, Carrington owns the property inspection company, and I was told that they automatically underestimate the amount of work that's been done by an inspector! IT'S A CRIMINAL ATTEMPT to hold on to your money! I am refinancing away from these people the very first chance I get!

On January 17th I faxed an Auto Draft Authorization Form over to Carrington Mortgage Services (Carrington)I faxed the Auto Draft Authorization Form (the form); properly filled out, with a voided check, and a cover letter containing my loan number, address, and contact information to the fax number provided by their over the phone customer service teamThere were no other alternatives to sending the form via fax or by mailAdditionally I was told by the phone customer service team that it would take up to days for the form to be processedI followed the process and did everything exactly as askedOn Mar 1, they withdrew my mortgage payment from the bank account I did not want them to withdraw fromAs I was not planning on this, the account became overdrawnI called, spoke with the escalation teamThey were able to provide me with an email address of a team manager to send the information to in PDF format
They were unable to provide me with a solution, a time frame in wh

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
although I appreciate Carrington Mortgage Services apoligizing for there mistake...They are not being totally truthfuli had contacted them several , several timesmore than I can count with regards to the taxes not being paid and had even sent a fax with regards to it as well as several emails to *** expressing that my property taxes were not paid before they transferred our loan to the new servicer on July 10, I contacted customer service several times as well and asked to speak to a manager or there escrow/tax disbursement department with regards to my taxes not being paid and I was told by there customer service department that the managers at Carrington do not speak to people and when I demanded to speak to someone I was placed on hold for over hour before I hung upI ever explained my frustration with *** via e-mail and told him what was going on in June, Til this day my property taxes still have not been received by my county and the taxes are still considered unpaid at this timeAnd not to mention that we received an escrow analiysis statement from Carrington when they were the servicer and it is completely in correctMy whole escrow amounts are not right and it has caused a large amount of stressnow the new servicer has to pick up the pieces of all there mistakes and have been very patient in trying to deal with all of the mistakes left by Carringtonthey were well aware that the taxes were not paid and refused to let me speak with someone and my emails went nowhere! I was also threatened by there customer service department stating that they will not accept any of my payments unless I sign a loan modificationI didnt know anything about a loan modification and explained that to *** that I didnt know about it and from what I researched on my own there seemed to be alot of hidden fees associated with it ....but at no time did Carrington ever explain what it was and how the process goes and they never answered any of my questions regarding itTo top it all off a man came knocking on my door banging and banging on the doorMy son and I were afraid to open it the way he was banging on it and he even turned my door knob to see if the door was openwhich it was notSo he finally left and placed something in my mailboxAfter, he left, I opened my mailbox and there was a envelope with the words I have a cash offer for you insideWhen I opened it it was a mans business card insideso I called it and Asked what it was in reffernce to and he told me that he is a representitive of Carrington and he wanted me to know that I have options beening that I can sell my home or do a short sale or else they were going to foreclosei was so angryi have never had anyone knock on my door from a mortgage company discussing my homehe also said Carrington wanted to welcome me been that they are now the new serviceri kid you noti was only months behind on the loan and I was making payments and I was continuously being bullied and being threatened by them! I even discussed this in an email to them in june as wellI still have all the emails and copies of the faxes and records of all my calls to customer service as well as corresponds with there tax disbursement department finally reaching them in July and speaking to ***they knew damm well that the property taxes were not paid over month before they even transferred the loan out to a new servicerThere practices are shady and should really be looked intoI have also been in contact with the Consumer Finance Protection Bureau as well with regards to Carrington!
Regards,
*** ***