Carrington Mortgage Services LLC

Carrington Mortgage is great! They showed me excellent customer service were always on top of everything abd guided me every step of the wayThey are competitive and went above and beyond to get me exactly what I wanted! Simply the best! I will definitely be recommending them to anyone looking for the best!

Carrington has recently refused payments made by our banks bill pay service with *** Credit Union The checks were never presented March payment they had by the 28th...not days late This payment was refused without ever being presented for payment and mailed back the 29th March was Good Friday and Easter was the 1st yet I received the returned draft the 2nd A letter with this payment said payment was refused because a certified check or money order was required On March 18th we received a letter stating they had not received our March payment in the amount of $ Nowhere in this letter did it state that only a certified check would be accepted April payment was processed by Bill Pay and Carrington received this check on April 12th Again Carrington refused this check and returned stating they would only accept certified funds The March payment this time was held from the 4th and not returned for days We kept the envelope showing postmark of 4-

Carrington home mortgage has failed to process my automatic draft payment on two occasionsThe most recent of which was on May 10th, My repeated attempts to resolve both on their website and by phone have not resulted in correctionTheir website incorrectly shows the status of my payment, in fact showing a successful payment on 5/10/During a telephone call on 5/31/I was verbally made aware that carrington will no longer accept payment by phone, by bank draft, or personal checkWhen they were asked how/when they communicated this change, they specifically said that no such communication has been sentI have received no communication from Carrington by phone, mail, or email prior to today (5/31/16) that electronic payments are no longer accepted on my account ending When asked what methods were available for payment, the individual representing carrington recommended using *** *** or some other wire transfer serviceThe individual further stated that no electron

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
Not all of the recordings were properly given as evidence to my claimI made numerous phone calls since December in regards to my husbands loss of employmentDue to circumstances at work my husband left his jobThe owners who employed him were going seep rate ways in regards to the business and there was a fear of coporate taking over and letting go all employees and he was also put in the middle of both owners disputesWe new how the process worked with unemployment being managers ourselves and he would be forced into a job making less income than we needed to survive and would have lost everything we haveExspecially with daycare being a monthSo while he looked for hire income jobs he kept our kids home to avoid daycare feesWe have been denied for help for food stamps or any other temporary helpWe were also told our account had to be delinquent by cms in order to qualify for a loan modificationWe tried recently to get all phone recordings documents sent to us and it was denied twice because they claimed signatures did not match they denied is twiceWith law being brought up they did not mention in their claims that we were denied to make a payment and would not accept the payment listed until we submitted this complaintThat was also the first contact with a supervisor after two previous voicemails left for call backs which we never recievedAlso when being in a pending status and having certain rights with our loan being sold from the original lender facing foreclosure should never have been an issueWe were sent numerous intent to foreclose starting in February and it did not stop being sent until I brought it to their attention and we haven't received another letter sinceNeither of those were listed as evidence eitherUntil their "bully" tactics stop and they do what a lender should I will not drop this caseThis company has hundreds of complaints of forcing people out of their homes against laws protecting homeowners and they need to be stopped
Regards,
*** ***

Made the process very smooth and answered every question instantly

Carrington Mortgage has raised my Veteran's Home Loan house payment by thirty dollars per month even though
the increase in homeowner's escrow insurance was found to be only $per month by my
calling USAA Insurance company, also Carrington did not provide the required accounting to me
There are no escrow collections for taxes because of my homestead exemptionRESPA, which is the Real Estate
Settlement Procedures Act, only allows Carrington to collect a cushion of two months escrow which would be
$25.50, but they are collecting $in excess of the allowed $*** Bank which serves Fort Benning,
*** says I am not the only Veteran or Soldier who is being abused by Carrington overcharging on escrow and that
numerous Veterans are trying to refinance to get away from Carrington but Carrington deliberately refuses to provide
payoffs and other mortgage requirements making the Veteran have to continue paying Carrington for or additional
monthsCarr

The business makes you change your password more often than any other business that I deal; with for paymentThe business uses Western Union to make paymentsThe confirmation that you get online is simply that Western Union has a record of the transactionIt does not mean that Carrington accepts the paymentcustomer service at Carrington simply makes you go through the website if you want to make an online payment and will not doa payment with no service charge with one of their representatives

Complaint ID: *** Dear Ms***: The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) received in our office
via email on April 25, 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 your inquiry As we understand your complaint, you allege that you sent an additional payment towards your principal balance along with your April 1, mortgage payment and that CMS misapplied your additional payment to principal as a regular monthly mortgage payment. You go on to state, you contacted CMS and your call was escalated for further assistance, whereby you requested to speak with a supervisor and CMS refused to transfer your call At the outset, please note that the servicing rights to your loan were transferred from *** *** (“***”) to CMS on February 2, 2016. On February 8, 2016, CMS issued the attached Notice of Servicing Transfer (“Hello Letter”) notifying you of the service transfer to CMS. At the time of the service transfer, your loan was contractually current and showing due for the March 1, mortgage payment Upon further review, on February 25, you contacted CMS inquiring about not receiving a monthly billing statementThe CMS Representative advised you that a billing statement was mailed to you on February 18, and also informed you that you could review your statement onlineFor your ease of reference, attached is a copy of the February 18, billing statement. It was at that time, you advised the CMS Representative that you did not have an online accountDuring the same call, you further advised that you would like your billing statements prior to the eighteenth day of the month. On February 27, 2016, you made an online payment in the amount of $through the CMS Loan Servicing Website (“LSW”)This payment was applied to the March 1, contractual payment On February 29, 2016, you contacted CMS inquiring about not receiving a monthly billing statement. The CMS Representative advised you that the monthly billing statement was mailed on February 18, You further stated you were unable to make additional payments to principal through the LSWIt was at this time that you were transferred to the Escalation Department for further assistance Shortly thereafter, your call was transferred to the Escalation Department, and you stated that you wanted to pay additional payments to principal via the LSW; however, you were unable to do so. The CMS Representative informed you that the LSW has system limitations on how the additional payment to principal can be madeIt was during this call, that it appears there was a miscommunication on how to utilize the LSW within the system parameters. The CMS Representative advised you that you can pay a minimum of $and up to the maximum amount of $to principal. If the payment amount exceeded the maximum amount allowed, you were encouraged to visit the other payment options available to you. Also, you were advised that the LSW only allows you to make up to two monthly payments per monthDespite the fact that you were advised of other payment options, you were displeased with the limitation utilizing the LSW systemIt is also important to note the CMS Representative clearly advised you that your monthly billing statements were also available via the LSWDuring this call, you stated you have the right to receive your billing statements within a reasonable timeframeFor your knowledge, billing statements are generated based on this criteria, first, if a monthly payment is made between the due date and the sixteenth of the month, a billing statement is generated on the same date; second, if a monthly payment is not received by CMS on or before the sixteenth of the month, a billing statement will be generated on the eighteenth of the month, and lastly, if a payment is made before the due date, a monthly billing statement will be generated on the first day of the month in which the payment became due The CMS Representative advised you to submit your request in writing to Carrington Mortgage Services, *** *** *** *** ** ***, in order to process your billing statements earlierOn the same call, you were advised that your request was escalated to generate and mail a billing statement showing the next due date for April 1, 2016; however, please note that you were advised to allow up to seventy-two hours before the billing statement would be mailedLater that same day, CMS escalated a request to generate and mail you a billing statement showing the next due date as April 1, 2016. As a reminder, please note that the representative did advise you that you have the ability to make your regular monthly mortgage payment and an additional payment to your principal in two separate transactions In the first transaction, the system limitations only permit you to pay the total amount due for the monthly mortgage paymentIn the second transaction, which can be completed no sooner than the following business day, you may submit an additional payment towards your principal or escrow balance not to exceed the amount of $846.60, by entering that specific amount under the “other” category on the online payment website Furthermore, you also have the ability to make a payment towards your principal balance by mailing a check or bill pay check not to exceed the amount of $10,000.00. If you want to make a payment towards your principal balance greater than $10,000.00, please make certain to send certified funds such as a money order or cashier’s check, including your 10-digit account number or property addressYou may send personal checks, bill pay checks, or certified funds directly to Carrington Mortgage Services, LLC Attention: Cashiering Department 2-270, *** *** *** ***, *** *** * ***, *** ** *** In additon, you may also visit the LSW for other available payment options and applicable fees (if any) by visiting ***. The website reflects all available payment options including Auto Draft, Interactive Voice Recognition (IVR) payment system, *** ***, and ***. In addition, the website also lists both our payment processing address and our overnight address On April 8, 2016, you contacted CMS and requested to speak with the Escalation Department as your most recent billing statement reflected an inaccurate principal balanceAccordingly, you were transferred to the Escalation DepartmentIt was during this call that you explained that your payment had not been credited towards the principal balance. As required, the CMS Representative explained that $had been applied to your April payment, $had been applied towards your May payment and the remaining funds of $were applied to principal. However, your intention was to have a total of $1,applied towards principal not towards the May payment. On this same day, you contacted the CMS Escalation Department and requested a reversal for the May 1, payment in the amount of $and to apply it to principalThe CMS Representative advised you that instead of reversing the payment in the amount of $846.60, you were instead encouraged to apply your May 1, mortgage payment towards your principal balanceYou were displeased with the response from the CMS Representative and explained this is not what you wanted to doIt was during the same call that the CMS Representative informed you the our payment processing center in *** ** inadvertently applied your payment to the April 1, and May 1, mortgage payments and the remaining balance was applied to principal Later on the same day, CMS escalated a request to reverse the May 1, payment in the amount of $and apply towards principal On April 11, 2016, CMS escalated a request to management for approval to reverse the May 1, payment in the amount of $and to post this entire amount to principal On April 19, 2016, you called and spoke with the Escalation department to follow up on the payment reversal request from April 11, You further stated that the reversal was supposed to take a couple weeks to make corrections Moreover, you requested confirmation that the reversal was in process of being completedThe CMS Representative confirmed that the request was still in process and encouraged you to follow up at the end of the weekThe CMS Representative also encouraged you to mail your payments to Carrington Mortgage Services, LLC, Attention: Cashiering Dept2-270,*** *** ***, *** *** * ***, *** ** *** in order to avoid any ongoing issues On April 22, 2016, you contacted CMS multiple times regarding your ongoing reversal request. It was during this call that you requested to speak with a Supervisor as you were dissatisfied with the payment reversal process and were upset this could not be resolved that dayAlthough a Supervisor was not available at that time, the CMS Representative sent an escalated email to a Supervisor in order to obtain an update on the reversal request. Lastly, you advised the CMS Representative that you were going to file complaint with the Revdex.com On the same day, CMS attempted to contact you to discuss the payment adjustment for the March 31, payment in the amount of $Unfortunately, CMS was unable to reach you by phone; however CMS left a message for you to return our call On April 25, 2016, you contacted CMS to follow up on the status of your reversal request and to advise CMS that you were in the process of mailing in a payment in the amount of $2,077.77. You clearly advised that $needed to be applied to the May 1, payment and the additional $1,was to be applied to principal. You proceeded to state that you were displeased that the reversal request still had not been completed Later that same day, the reversal request was reviewed and approved. Accordingly, the request was submitted to our Cashiering Department to complete On April 26, 2016, CMS reversed the May 1, payment in the amount of $and the principal payment in the amount of $and applied the total amount of $1,to principal On May 2, CMS received your payment in the amount of $2,which was applied towards the May 1, payment in the amount of $and the remaining funds of $1,were applied to principal as instructed. As of today’s date, your loan is current and next due for the June 1, contractual paymentAttached for your ease of reference is a current payment history including transaction codes and definitions In closing, CMS apologizes for any miscommunication which occurred during your many phone attempts to correct your concerns within a reasonable timeframeAdditionally, CMS apologizes if the level of customer service provided to you did not meet your expectations We trust that this communication addresses all 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 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 carringtonms.com -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to *** -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA Disclosure- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at *** -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determination. You may request such documents or receive further assistance by contacting 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 *** Tell us why here

I have tried for days to pay my mortgage payment online but their system wouldn't take it I have called numerous times and been on hold for at least an hour combined and they are closed on the weekend Now, it's possible that I have a late month that may show on my account I have had rude encounters before and I am not all happy with this company's services

My mortgage was sold from *** ** *** to Carrington MortgageIn October I notified Carrington Mortgage that I changed homeowner insurance company and no longer wanted it added to my mortgage payment (escrow) as I was now paying independentlyCarrington had already paid the previous insurance company in full (by days) and instructed me that I needed to refund the whole amount - which I didI contacted the previous holder of insurance and received a check and provided that to CarringtonI was also told by Carrington that in order to have the insurance payment removed from my monthly mortgage I would have to send a written letter to the escrow department requesting the payment be removed from my monthly mortgage - which I also did on March 18th *** *** also sent Carrington notification of the change and the binder etc in October 2017, when the change initially took placeToday I spoke with “***” who verified they had the letter and the payment but said it mus

September 20, *** ** *** *** *** ** *** *** *** *** *** *** ** *** RE: Complaint ID: *** Loan No.:
*** Property Address: *** *** *** ***, *** ** *** Dear Mr***: The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com received in our office via email on August 30, 2016. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in the inquiry As we understand your complaint, you claim that in the summer of 2016, you started getting late payment notices from CMS. In addition, you claim that you have never been late on your mortgage payments as your payments are set up on auto-draft, and your review of your bank records and the CMS website payment history both show you have not missed a payment on your loan. You go on to say that when you called CMS to inquire about this matter, you were informed by the CMS Representative that you owed $2,200.00; however, the CMS Representative could not give you a clear explanation for the past due amount, except to say that your loan shows you have been one month behind since October 2015. You express concerns and dissatisfaction with the service transfer, and claim that CMS did not provide you any notification that late payments were being reported to the credit agencies. Therefore, you request that CMS remove any report of late payments that have been made to the credit agencies on your loan At the outset, please note that the servicing of this Federal Housing Administration (“FHA”) insured loan was transferred from *** *** *** *** (“***”) to CMS on or about October 2, 2015. Attached for your ease of reference is a copy of the September 23, Notice of Service Transfer (“Hello Letter”) sent to you by CMS that notified you of the service transfer. At the time of the service transfer your loan was showing due for the October 1, payment. Please note that, while CMS began servicing the loan on October 2, 2015, the Real Estate Settlement Procedures Act (“RESPA”) at USC 2605(d) prevents CMS from treating any payment as late for any purposes until the expiration of sixty days after the effective date of the servicing acquisition. This sixty day period is specifically intended to allow the acquiring servicer the necessary time to receive the acquisition file from the prior servicer and to ensure the records of the acquiring servicer reflect the correct loan information. Included in that process are the reviews and complete post-transfer diligence and escrow analysis that are due within sixty days of the acquired date Upon review, our records show that your mortgage payments were set up on electronic auto-draft from your bank account with your prior servicer. As mentioned on page two of the Hello Letter dated September 23, 2015, your auto-draft service was included in the service transfer to CMS. Accordingly, on October 8, CMS auto-drafted a payment in the amount of $1,from your bank account. That same day, this payment was applied to your October 1, payment in the amount of $1,631.08. On October 13, this payment was returned by your bank unpaid, and the reason for non-payment indicates non-sufficient funds (“NSF”). As such, the October 1, payment was reversed and your loan again became due for October 1, 2015. Additionally, on October 15, CMS sent you notification of this returned payment. Attached for your ease of reference is a copy of this letter Thereafter, on November 3, 2015, CMS resumed the auto-draft service and drafted a payment in in the amount of $1,from your bank account, which was applied to your October 1, payment in the amount of $1, On November 20, 2015, an escrow analysis was completed. This escrow analysis was completed as part of the post service transfer requirements mentioned above. That same day CMS sent you an Annual Escrow Account Disclosure Statement (“AEADS”). A copy is attached for your ease of reference. This AEADS advised you that your monthly payment would change from $1,to $1,beginning with your January 1, payment. On December 3, 2015, CMS auto-drafted a payment in the amount of $1,from your bank account, which was applied to your November 1, payment in the amount of $1,631.08. On January 4, 2016, CMS auto-drafted another payment in the amount of $1,from your bank account, which was applied to your December 1, payment in the amount of $1,631.08. On January 22, 2016, another escrow analysis was completed. This escrow analysis was completed as part of the regularly scheduled annual analysis cycle for loans secured by property located in the State of Tennessee. That same day CMS sent you an AEADS, and a copy is attached for your ease of reference. This AEADS advised you that your monthly payment would change from $1,to $1,beginning with your March 1, payment. On February 3, 2016, CMS auto-drafted a payment in the amount of $1,from your bank account, which was applied to your January 1, payment in the amount of $1,644.75. On February 5, the records show that you logged into your established CMS website account and changed your mailing address from ** *** ***, *** *** ** *** to *** *** *** ***, *** ** *** Thereafter, on March 3, CMS auto-drafted another payment in the amount of $1,from your bank account, which was applied to your February 1, payment in the amount of $1,644.75. On April 4, 2016, CMS auto-drafted a payment in the amount of $1,from your bank account, which was applied to your March 1, payment in the amount of $1,669.69. Please note that CMS made multiple attempts to contact you by telephone and correspondence from February 1, to May 2, 2016; regrettably, no response was received On May 3, CMS auto-drafted another payment in the amount of $1,from your bank account, which was applied to your April 1, payment in the amount of $1,669.69. On May 6, 2016, CMS received returned mail and as a result a “bad address” flag was placed on your loan. On June 3, 2016, CMS auto-drafted a payment in the amount of $1,from your bank account, which was applied to your May 1, payment in the amount of $1,669.69. Thereafter, on June 8, 2016, CMS again received returned mail, and this mail included an updated mailing address for you. Accordingly, CMS updated the new mailing address on your loan file from *** *** *** ***, *** ** *** to *** *** *** ** ***. That same day, CMS forwarded the returned mail to this new mailing address On July 4, 2016, CMS auto-drafted a payment in the amount of $1,from your bank account, which was applied to your June 1, payment in the amount of $1,669.69. On July 5, 2016, due to the past due status of your loan, CMS canceled the recurring auto-draft. Accordingly, on July 7, CMS sent you notification that the recurring auto-draft had been canceled. Attached for your ease of reference is a copy of this letter. Please note that CMS made multiple attempts to contact you by telephone and correspondence from May 4, to July 11, 2016; regrettably, no response was received On July 14, 2016, you called CMS and during this call you expressed concerns with a late payment notice that you received from CMS. The CMS Representative informed you that your loan was showing due for the July 1, payment. You claimed that you did not receive any notification about the service transfer from your prior servicer or CMS. You went on to say that you noticed your March payment had not been auto-drafted from your bank account; therefore, you contacted your prior servicer and that is when you were told your loan had been transferred to CMS. You state that you called CMS and during this call you were informed that CMS would process your auto-draft payments and that there was nothing you needed to do as your auto-draft payments were be processed by CMS without lapse. Thereafter, you noticed that your auto-draft resumed, and you state that your payments have been drawn from your bank account every month since thenFor that reason, you state that your loan should not be showing past due. The CMS Representative reviewed your loan and explained that the auto-draft had been canceled as of July 5, due to the past due status of your loan. Additionally, the CMS Representative explained that your payments have been received over days late since November 2015. You explained that you were overseas and that you were not getting your correspondence timely. The CMS Representative encouraged you to set up an account on the CMS website where you could obtain information about your loan, and also make monthly payments. On August 6, 2016, CMS sent you the attached Notice of Intent to Foreclose (“NOI”). This notice explained that the loan was in default for the nonpayment of the July 1, contractual payment and provided $3,as the amount required to cure the delinquency. This letter also notified you that failure to cure the delinquency within days may result in acceleration of the sums secured by the Mortgage and in the sale of the property. Below, for your ease of reference is a breakdown of the amount due July 1, payment @ $1,669.69: $1,669.69 August 1, payment @ $1,669.69: $1,669.69 Late Fees @ $each (for 1/1/& 2/1/16): $ Late Fees @ $each (for 3/1/to 7/1/16): $ Total: $3, As you are aware, on August 10, you made a payment on your loan in the amount of $1,using the CMS website. That same day, this payment was applied to your July 1, payment in the amount of $1,669.69. On August 24, 2016, you called CMS and during this call you expressed concerns with the NOI that you had recently received from CMSThe CMS representative reviewed your loan and explained that the past due status of your loan had begun with an NSF payment in October 2015. You indicated that this was not your fault as you believed the payment issue was an error caused by the service transfer. The CMS Representative explained that the returned payment had been processed properly by CMS after the service transfer; however, the payment had been returned by your bank unpaid due to NSF. The CMS Representative explained that CMS had resumed the auto-draft in November 2015; however, since the NSF payment had not been replaced, the payments beginning November 3, through July 4, had been applied to the prior contractual due date, which is why these payments were being paid over days late. The CMS Representative provided you with the amount to bring your loan current. You indicated that you would make your payment using the CMS website On August 31, 2016, you made a payment on your loan in the amount of $2,using the CMS website. That same day, this payment was applied to your August 1, payment in the amount of $1,669.69, and $was applied to late fees. Thereafter, on September 2, 2016, you made a payment on your loan in the amount of $1,using the CMS website. That same day, this payment was applied to your September 1, payment in the amount of $1,669.69. As of the date of this letter your loan is showing contractually current and next due for the October 1, payment. Attached for your ease of reference is a payment history that shows the payment transactions on your loan from August 2, to September 2, Lastly, we reviewed the CMS website due dates and payment history information for your loan from October 8, to September 2, for accuracy, and found the information reported on the CMS website for your loan to be accurate. That said, please note that the payment history detail on the CMS website only shows payments that have been applied to the loan and the breakdown of the payments. The payment history on the website does not show returned payment transactions or payment reversals. However, when a reversal is completed, as in this case, and the due date is changed, this change will be reflected on the CMS website accordingly. Based on the foregoing, we conclude that CMS has processed your payments in accordance with the established auto-draft agreement that originated with your prior servicer and transferred to CMS on October 2, 2015. In addition, CMS processed your payments in accordance with the established Payment Posting and Returned Item policies and procedures. If you believe you have evidence that the October 8, auto-draft payment cleared your bank account, we invite you to provide whatever evidence you may have that supports your claim so we can review this matter furtherIn the absence of any such evidence, we believe the record is clear that the auto-draft payment of October 8, 2016, did not clear your bank as it was returned unpaid to CMS on October 13, 2015. Finally, it is important to note that CMS is obligated by federal law to provide timely and accurate credit reporting in regard to the current loan status, payment history and loan information. We have determined that the information reported to the major credit agencies properly reflects your payment history and loan information. Therefore, no changes are needed at this time In closing, please be advised that pursuant to Consumer Financial Protection Bureau (“CFPB”) guidelines, CMS is required to suppress the reporting of loan and payment information to your credit profile for a period of sixty days after receipt of a qualified written request and/or a Notice of Error We trust that this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Pacific Time Sincerely, *** *** Customer Advocate CC: Revdex.com -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** ***, *** ** ***, or by calling ***. Please include your loan number on all pages of correspondence. The CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/ -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to *** -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC -SCRA Disclosure- MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at *** -NOTICES OF ERROR AND INFORMATION REQUESTS- You have the right to request documents we relied upon in reaching our determination. You may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** ***, *** ** *** TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance

I was not on the phone with *** Loans and Carrington regarding the payoff letterI do know *** Loans was not able to receive the pay off letter in a timely manner so I ordered the payoff to expediteIf Carrington would have sent the payoff to *** loans it would have been paid off on the 11th of DecemberWhy did I have to ask? To expedite!

I am in need of a roof replacement I have filed a claim with my Insurance companyThey sent me a check for the cost of the roofI had my HELOC computer sign the check, I signed the check, my contractor signed the check and we sent it to Carrington Mortgage to be signed so we can complete the replacement of the roofAfter a few weeks I asked my contractor where we are with the replacementHe said he didn't knowWe called Carrington and they said everything looked fine and they weren't certain as to why it was being heldThat they would release the funds(I have this on recording, both with the Carrington rep as well as my contractor and myself all hearing this)A few more weeks go by and still no checkI called back with my contractor again and they said we were missing documentsDespite what they previously saidWe sent in the requested documentsAnother few weeks go by and nothingWe call again and they said it was the wrong documentsSo they would send us the right on

I would give ZERO stars This company should be forced out of business My loan was transferred after years with *** and *** and has been in shambles every since this transferThe staff is incompetent and inefficientYou are constantly bounced around to individuals who are unable to answer questions and resolve mattersMy property has suffered fire damage and I have not received ANY information from this company but they want me to send them the insurance checks I am extremely frustrated and can’t wait to refinance away from them once time allowsSave yourself from stress STAY AWAY

Carrington Mortgage Services seems dishonest Every time I try to pay principal early they apply to future interest payments in violation of FHA lease termsTakes weeks to get it rightEven when payment is made with written instructions Very sleazy, only will honor the FHA mortgage terms if you catch them and complainI would say incompetent, but repeating the same mistake each time cheating a consumer can only be a calculated program of decieptTried to promote a conventional refinance by falsely claiming I had to pay PMI for four more years no matter what so I should pay them to refinance Complete fraudulent information, complete frauds to attempt business with, no excuse for that type of practice

My mortgage was sold by Bank of America to CarringtonCarrington did not allow to schedule paymentsThey claimed I needed to pay over the phone (fee of course)
Furthermore, I never receive any paper work of the transferThe only way I found out was that my auto payment was not taken out and Bank of America told me to call this companyThey claimed they called me and mailed me things (haven't gotten them)Regardless, how do they have an A+ with a 97% negative rating? Couple of hours later after talking to the rep on the phone I got a missed call ( no voicemail message left) from themI called right back and they stated they did not callI asked for supervisor and he stated I was on a robo call system because my account was past due even though I just spoke to them hours before (they refused to take online payment)

Revdex.com:I have reviewed the response made by the business in reference to complaint ID***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have been charged fees, one for being late and a dollar fee that is still unkownthe representative had advised me that the their would be no fees assesed to the account if the payment was made before the 16ththe late charge was assesed to the accountthe system that they provided for me to make the payment was cumbersome to say the least and not user friendlyI am also certified dyslexic and using a new system is an issue whenever it is for the first timewith this disability in mind, and the fact that the company does not provide any realtime solutions for payments with people with this problem free of charge I request that the fee be waived
Regards,*** ***

I applied for a modification on my home mortgage and I was approved I was told that I was going to close on the mortgage within days and I never heard anythingI then got a letter that my modification was canceled because there was something that was on my I was so upset I was crying and I was told by the company that there was something on my title that was not cleared and it was never foundThey gave me days to get The lien release After I begged him and pleaded with them that they should've never happened and they agreed with me I didn't get the lean release so I was told I had to the modification From the beginning and start over I have sent the paperwork up numerous times only to be told days later that they never received anything they never follow up I don't get correspondence in the mail
for weeks later this is been going on since June .I cannot believe the customer service that they have at this company there is no accountability there is no follow

Carrington took over my loan from *** ** *** I received no notice of this changeI found out that this change happened when I tried to make my monthly payment with ***I call Carrington and they would not accept my paymentI was asked a series of questions, and told that I could apply for a loan ModI submitted my documents and waitedI received no calls, or mail to indicate the status of the Mod requestWhen I call it is routine for the phone to disconnect, or you get to a rep and they ask you questions, and tell you to call another numberAfter several hours today I finally got through to be given a number that refers me to a websiteI call back today and the rep tells me the house went to sale today and I will be most likely receiving and eviction notice soonNo call , no mail, nothingI have tenants that will now be forced out because this company has a great lack of professionalism, and common courtesy

We have a house in contractWe need the payoff from CarringtonI signed a consent for the closing company to get it from Carrington-they refusedI had a Lawyer fax a request to their office, still no replyI have called them at least
times from Friday, 2/until today, 2/14/I was promised that I would get the information by email yesterday by PM-did not receive anything, Was then promised I would have today by AM-still no payoffI am supposed to 'close on the house this Friday, 2/The closing company needs the payoff to write up the paperworkI could loose my buyer if I can't get this information