Carrington Mortgage Services LLC

Carrington Mortgage is posting illegal and claims on my credit reportThey have major violations now

This is the most incompetent company that I have ever dealt withI have had nothing but problems since I was forced to go with them by BOA, years agoI have to follow my every payment to ensure it is posted correctlyI have a job, I shouldn’t have to do there’s as wellI have spent way too many hours on the phone, transferred numerous times and always end up with no resultsIts like no one at this company ever has an answer, and if they do, its wrongIf I could put a million negative stars, I would

October 23,
*** ** ***
*** *** *** *** *** ** ***
RE: Loan No.: ***
Case No.: ***
Dear Ms***:
The *** *** 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 October 8, 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 you contacted CMS on September 30, to make your September 1, payment and the Customer Service Representative incorrectly entered in your checking account number causing your payment to be returned and reported as being thirty day (30) delinquent to the credit agencies (***, *** and ***)Your desired resolution is to have the thirty day (30) delinquency removed from your credit report
We have completed a review of your loan and the phone call from September 30, and confirmed that you contacted our Customer Service Department to secure the September 1, paymentDuring the conversation with our Representative, you provided a routing and checking account number for *** *** *** ***During the conversation, you provided a checking account number ending in ***
On October 5, 2015, CMS was notified that the checking account number you provided was invalid and the payment was reversed from your loan leaving the loan due for September 1, Since your payment was submitted to CMS on the last day of the month and subsequently reversed five (5) days later, CMS was unaware of the incorrect banking information until your financial institution confirmed the account number was invalid
On October 7, 2015, you contacted our Customer Service Department and made the September 1, payment in the amount of $1,The payment was applied to your loan as follows: $to principal, $to interest, $to escrow, $to the check by phone fee and the remaining balance of $was applied to unappliedIt is important to note the checking account number provided by you on October 7, 2015, ended in and differs from the checking account number provided on September 30, 2015, which ended in ***
On October 15, 2015, CMS received check number *** for $1,and applied the funds to the October 1, paymentAt the time funds were received, they were applied to your loan as follows: $was applied to principal, $was applied to interest, $was applied to escrow and the additional $was applied as a principal reductionThe unapplied balance of $was reversed the same day and applied to the outstanding September 1, late charge
Based on the foregoing, we believe the record is clear the checking account number entered on September 30, by our Representative was not a CMS error, as you had provided the checking account number ending in ***However, in the interest of good customer relations and in light of the fact the checking account number was not validated a second time, we have agreed to remove the thirty day delinquency associated with the September 1, paymentFor your ease of reference, I have included a copy of the correction submitted to the credit agencies for your review
We trust this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, from 8:AM to 5:PM, Pacific Time
Sincerely,
*** ***
*** ***
CC: Revdex.com
IMPORTANT DISCLOSURES
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or by calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at ***
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-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 *** *** *** *** ** ***

July 6,
*** *** ***
*** ***
*** *** *** ***
*** ** ***
RE: Complaint ID No: ***
Loan No.:
***
Property Address: *** *** *** *** ** ***
Dear Mrand Mrs***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) received in our office via email on June 9, 2015. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in the inquiry
As we understand your complaint, you claim that CMS increased your monthly payment by $a month and that when you called CMS to inquire about this increase, the CMS representative was unable to provide you with an acceptable explanation. In addition, when you requested to speak with a Supervisor, your request was denied. Your further claim, that during your telephone conversation with the CMS representative you were informed that the increase was to “pad the escrow account”
Upon review, our records show that the servicing of this Federal Housing Administration (“FHA”) insured loan was transferred from *** ** *** *** (“***”) to CMS on or about April 2, 2015. At the time of the service transfer your loan was contractually current and due for the April 1, payment.
Please note that, while CMS began servicing the loan on April 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.
Further review of our records shows that on May 1, 2015, CMS sent you an Annual Escrow Account Disclosure Statement (“AEADS”)The purpose of the AEADS was 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 $5,119.30, your yearly homeowners insurance premium would be $790.41, and that your yearly FHA insurance premium would be $1,Correspondingly, your total disbursements for your escrow cycle beginning July and ending June were calculated to be $6,
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 fundsSpecifically, the Real Estate Settlement Procedures Act (“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 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 July and ending June The total escrow cushion that CMS may collect is $984.94. It is important to note that the 1/6th calculation does not include any FHA insurance portion for this purpose
Based on the calculations from the May 1, AEADS, your low point escrow balance was $1,As a result, in order to reach a low point escrow balance of $984.94, the allowed 1/6th escrow cushion, CMS would have needed to collect an escrow shortage in the total amount of $2,Please note that your escrow shortage would have been collected over a twelve (12) month period starting with your July 1, paymentResultantly, that is the reason why your overall monthly mortgage payment was set to increase from $1,to $1,
On June 8, 2015, our records indicate that you called CMS and spoke with Customer Service representative, *** ***. During this call, you inquired about the increase in your monthly mortgage payment. Mr*** explained that the increase was from the recent escrow analysis that had resulted in an escrow shortage which also included a required cushion. Although Mr*** explained the escrow process in detail, you replied that you did not understand the calculations and expressed dissatisfaction with CMS and the escrow payment increase. Mr*** placed the call on hold to obtain additional information, after which the call was unfortunately disconnected Subsequently, you called CMS again and spoke with Customer Service representative *** ***, who explained the escrow increase was a result of a calculated shortage of $2,050.19. You again expressed your concerns with the increase and that you did not understand how CMS had come up with the shortage amount Ms*** proceeded to explain in detail the escrow analysis and reviewed with you the month to month details and projected activity that resulted in the calculation of the shortage of $2,050.19. At the end of this extended conversation, you expressed concerns with the methods used by CMS to calculate your escrow. Ms*** offered to send you an escrow analysis explanation which you declined. Instead you requested a current payoff statement because you were going to seek a refinance. Ms*** complied with your request and also informed you that you could also request a payoff statement using the CMS website. Subsequently, a payoff statement was issued to you and Title Source on June 19, and on July 1, an updated payoff statement was sent to you via facsimile
Based on the foregoing, we conclude that the annual escrow analysis and payment adjustment were completed in accordance with the established loan servicing policy and procedure for this FHA insured loan. It is important to note that the annual escrow analysis is required by law, and payment adjustments may be required from time to time to ensure proper accounting of escrow funds and also to insure sufficient funds for projected advances for the payment of taxes and insurance. Nevertheless, we acknowledge, that CMS missed opportunities to communicate the details of the escrow analysis more clearly to you and also avoid disconnecting your initial call to CMS and would like to take this opportunity not only to express our sincere apologies for the inconvenience that she may have experienced in this matter, but also to thank you for bringing this matter to CMS’s attention. CMS is always looking for ways to improve service levels and your feedback is important us. Lastly, we did not find any evidence that you were denied a request to speak with a supervisor
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, P.O Box 3489, Anaheim, CA 92803, or by calling 1-800-561-4567. 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 (800) 569-or toll-free TDD (800) 877-8339, or by going to http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfmYou can also contact the CFPB at (855) 411-2372, or by going to www.consumerfinance.gov/find-a-housing-counselor
-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 1-888-267-
-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 (800) 561-4567, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at P.OBox 3489, Anaheim, CA
Texas:
Notice to Texas Residents: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-

This company is not professional at allThey all have attitudes and will laugh at your situationI don't know how this business stay up and runningI asked to speak to upper management and they made every excuse I'm the book not to give me contact infoThis company has all of our information and I'm concern it's in the hands of a scammer

January 4, Original Response Sent Via Regular Mail *** *** ** *** ***
*** ** ***
*** *** ***
***
*** *** ** *** *** *** ** ***
*** *** *** 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 December 16, 2016. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in the inquiry As we understand your complaint, you claim that CMS informed you that your property would be referred to foreclosure because your loan was two months delinquent. You state that according to your bank records, you had paid your November 1, payment and your loan was contractually current and due for the December 1, mortgage payment. After it was determined that your payment may have been misapplied, CMS requested you to provide evidence that CMS cashed your check. The resolution you desire is for CMS to locate and apply the missing payment to your loan and cancel any pending foreclosure action A review of our telephone records indicate that CMS contacted you on November 29, regarding the status of your November 1, mortgage payment. During that conversation, you advised the CMS representative that you had mailed your November 1, payment to CMS on November 28, 2016. The CMS representative then properly advised you that CMS would continue collection calls until your November 1, payment was satisfied On December 7, 2016, when your loan was still due for the November 1, payment, CMS sent you the attached Notice of Intent to Foreclose (“NOI”). The NOI provided you with the amount to cure the delinquency which was showing as $2,491.92, less the $that was held in an unapplied status. Please be advised that the NOI is a system generated letter that is issued for every loan that is showing as being past due for more than thirty-one days. CMS respectfully submits that the letter simply notified you of the account status at that time and provided you with accurate information on how you can cure the delinquency and the consequences for failure to cure the loan delinquency On December 15, 2016, CMS contacted you as your loan was still showing due for the November 1, mortgage payment. You informed the CMS representative that you mailed your payment of $1,to CMS on November 28, 2016, and that the funds had been debited from your bank account. The CMS representative encouraged you to fax a copy of your bank statement to CMS showing that your check had cleared so that CMS could further research the missing payment. During the conversation you also agreed to process a check by phone payment in the amount of $1,031.66; that was scheduled to be processed on December 30, 2016. CMS was unable to locate any evidence wherein the CMS representative advised you that failure to make the past due payments would result in your loan being referred to foreclosure. On December 16, 2016, CMS received information from you; however, the information you provided to CMS was insufficient to locate the missing payment. Instead of providing a copy of your bank statement, you provided minimal information only showing that an electronic check in the amount of $1,was debited on December 7, with a transaction number of ***As a result, CMS issued the attached letter to you on December 20, requesting additional informationCMS has received no additional information from you to assist CMS in locating the missing payment CMS has taken every possible action to locate the missing payment. In fact, a request was made to our Cashiering Department to manually review every single check in the amount of $1,received by CMS between November 28, and December 7, 2016. On December 27, 2016, CMS located your missing payment and found that your check in the amount of $1,did not reference your correct loan number. This is the reason that the payment was not applied to your loan. The attached copy of your check shows the incorrect account number you referenced of ***, which differs from your correct loan number of ***. After CMS located this payment the total amount of funds in CMS’s possession was $1,which was made up of the $that was in an unapplied status and the misapplied payment of $1,That same day, CMS retroactively applied $1,to your November 1, mortgage payment effective as of December 3, 2016, which was the date that CMS originally received your check. After the application of these funds, your loan was contractually due for the December 1, mortgage payment with an unapplied balance of $ On December 30, 2016, your check by phone payment in the amount of $1,was processed, bringing the total amount of funds in CMS’s possession to $1,361.70. That day, CMS applied $1,to your December 1, payment, $toward outstanding late charges, and the remaining $was applied to unpaid fees related to a prior foreclosure. After the application of these funds, your loan was contractually current and due for the January 1, mortgage payment In light of the above, CMS respectfully submits that your payment was properly applied to the loan referenced on the form of payment and that it was reasonable for CMS to have issued the December 7, NOI to you based upon the account status at that time. CMS would like to take this opportunity to remind you that it is critical to identify the correct loan number on your check to avoid any delays in applying your loan payment. Attached for your reference is a copy of your loan payment history as well as a copy of the loan servicing system payment codes and definitions Please note that pursuant to Consumer Financial Protection Bureau (“CFPB”) guidelines, CMS is required to suppress the reporting of loan and payment information to your credit profile for a period of sixty days after receipt of a qualified written request and/or a Notice of Error Based on the foregoing, we believe the record is clear CMS properly applied your payments to the loan and updated your account once the correct loan number was identified. Should you have any questions or concerns regarding any aspect of your loan, we encourage you to contact the Customer Service Department at (800) 561- 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 (866) 874-5017, Monday through Friday, 8:AM to 5:PM, Pacific Time Sincerely, *** H*** Customer Advocate CC: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

January 25,
Sent via the Revdex.com Portal and U.SMail:
*** ** ***
*** ***
*** *** *** ***, ** ***
RE: Complaint No.: ***
Loan No.: ***
Borrower: *** ** ***
Borrower: *** ***
Property Address: *** *** *** *** *** **
***
Dear Mrand Ms***,
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) and received in our office on December 29, CMS is committed to responsible lending and servicing, and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry
As we understand your complaint, you claim that CMS sent you a refund check but issued a stop payment on that checkAs a result, you claim that your bank assessed a $fee against your bank accountIn addition, you state CMS issued a new refund check but the refund check did not include $for your bank feeYou would like to receive a check from CMS for the $bank fee
At the outset, we would like to apologize for any miscommunication that may have resulted in a bank charge being assessed to your accountAs a courtesy, we will be sending you a check for $Please allow 7-business days to receive the check
On or about October 15, 2015, CMS sent you an escrow refund check for $The refund was sent to you for the duplicate tax payment made to the City of Powder SpringsOn November 9, 2015, you called CMS because you noticed a disbursement for $on your mortgage statementAfter CMS advised you the disbursement was for your escrow refund, you stated you did not receive the checkPer your request, CMS issued a stop payment and a new refund check was issuedDuring a November 10, telephone call with you, CMS confirmed that a stop payment was issued for your first refund check
On November 24, 2015, you called CMS and stated that you received the first check and second checkYou indicated that you were going to shred the second checkPursuant to your correspondence dated November 30, 2015, you claim CMS advised you to destroy the new checkOn December 21, 2015, CMS issued a third refund check for $Our records confirm that you cashed the check on or about January 4,
We trust that this communication addresses all of the concerns noted in your complaintCarrington Mortgage Services, LLC is committed to customer satisfaction and we look forward to resolving any concerns you may haveWe can be reached at *** *** Monday through Friday, 8:AM to 5:PM, Pacific Time
Sincerely,
*** ***
Customer Advocate

I am ABSOLUTELY in awe that this company has an A+ rating with the Revdex.com I am literally SHOCKED!!!!! My mortgage was sold to Carrington by another mortgage company and I am on the phone with them if not every other day, every few days and definitely every weeks when my mortgage payment is due and they haven't taken out the payment They set the customer up to be late on all mortgage payments even when the customer is set up with automatic withdrawal THIS IS THE WORST COMPANY I HAVE EVER DEALT WITH!!!!!!

I have had a great experience with Carrington with regards to my previous mortgage and with refinancing a new mortgage

October mortgage payment was made online via Carrington Mortgage website on 10/12/ The website has an option to save your banking info When I paid my October payment I used the saved info that was used to pay both Aug and Sept payments However, Mortgage Co is stating that for Oct the incorrect acct# was used That is not possible if I used the "saved" account# from previous payments In addition, their website never indicated Oct payment was returned When I logged onto website on 11/12/15, the payment for Oct showed current The website did not indicate a problem with my October payment If the company is going to have a website showing this information, than the expectation is that it will be accurate Thus because I was not aware the payment did not post, I could not make the Oct payment until 11/12/ And the only reason I knew to make the payment is because I finally received a call from a representative Mortgage company is stating because they sent a "letter" I

This company is by far the worst to make payments with they like to send your check back even though certified funds and says oops that was a mistake on our part but extra charges will occurStay clear from them

July 1, *** ** *** *** ** *** *** *** *** *** *** *** ** *** RE: Complaint ID: ***
Loan No.: *** 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 email on June 13, 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 you mailed your February 1, payment to CMS on February 12, 2016, and CMS has informed you that this payment was received on February 19, 2016. Therefore, CMS has assessed a late fee, and you are disputing this late fee because it is your belief that this payment was actually received by CMS on February 16, Upon review, our records show that your payment, check number 2937, in the amount of $740.00, was in fact received by CMS’s payment processing center in Phoenix, AZ on February 19, 2016, as you were previously informed. That same day, this payment was applied to your February 1, payment in the amount of $734.09, and $was applied to principal curtailment. Attached for your ease of reference is a copy of the payment transaction. As this payment was received after the grace period, a late fee in the amount of $was assessed to your loan Subsequently, on March 16, 2016, CMS received another payment from you in the amount of $763.45. This payment was applied to your March 1, payment in the amount of $734.09, and $was applied to late fees. Attached for your ease of reference is a payment history that shows payment transactions from November 2, to June 29, 2015. It is important to note that your payments are due on the first day of each month and are considered late on the day after the due date. Nevertheless, per the Note terms and conditions, if the Lender has not received the full monthly payment required within fifteen (15) calendar days after the payment is due, the Lender may collect a late charge in the amount of four percent (4.000%) of the overdue payment amount Base on the foregoing, we conclude that the late fee in the amount of $was appropriately assessed to your loan because the February 1, payment was received by CMS after the grace period. Under the circumstances, CMS declines your request to waive this fee 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 *** *** *** *** ** ***

June 10, Sent via the Revdex.com Portal and U.SMail: *** and *** *** *** *** *** *** *** *** ** *** RE: Case Number: *** Loan No.: *** Borrower: *** *** Borrower: *** *** Property Address: *** *** *** *** *** ** *** Dear Mrand Mrs***, The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your rebuttal complaint filed with the Revdex.com (“Revdex.com”) and received in our office on June 1, 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 a preliminary matter, please note that the Customer Advocacy Department originally received your complaints filed with the Consumer Financial Protection Bureau (“CFPB”) and Revdex.com in our office on December 4, and April 28, CMS researched the issues raised in each complaint and written responses were issued to you on February 2, and May 25, As you may recall from the prior responses, CMS addressed many of the concerns raised in your rebuttal complaintIn the CFPB response, CMS addressed your concern regarding the insurance claim fundsIn the Revdex.com response, CMS advised you that it is unable to comment on behalf of the prior servicer, *** ** *** (“***”) and that the post-sale servicing functions were not completed when the servicing of this loan transferred to CMSIn addition, CMS advised you that it had completed the post-sale servicing functions for this loan and that corrective IRS documents would be provided to you once they arrive from the IRS We are pleased to inform you that CMS received the corrective IRS documents and made the necessary correctionsA notice of correction and copies of the corrective documents were sent to you by mail on June 7, For your ease of reference, we have enclosed copies of the corrective documents as well as the correspondence dated June 7, In your rebuttal complaint, you claim to possess documents indicating that a bankruptcy court in *** absolved you of your obligation to the mortgage debtYou also claim to possess documents representing that CMS is the sub-servicer for ***However, after reviewing our records, we could not find any evidence to support either assertion. You also refer to a rule that CMS did not allegedly comply with, but you did not provide the specific rule being referencedAccordingly, CMS is unable to determine your specific request without further input from you Finally, you indicate that attachments were being sent via mail to support the allegations raised in your rebuttal complaintHowever, as of the date of this response, CMS has not received any attachments or documents to support your assertions We trust that this communication addresses all of the concerns noted in the complaint. Carrington Mortgage Services, LLC is committed to customer satisfaction and we look forward to resolving any concerns you may haveWe can be reached at *** *** Monday through Friday, 8:AM to 5:PM, Pacific Time Sincerely, *** *** Customer Advocate Enclosures: CFPB & Revdex.com Prior Response Letters Correspondence dated June 7, Corrective IRS Documents

My mortgage was due by 02/16/with no late fee I paid thru my mortgage company's website and received an email from *** *** confirming my payment was received 02/16/02/24/I received my monthly statement showing a $late fee I called Carrington Mortgage 02/24/and spoke with a supervisor who kept saying I didn't make my payment till 02/17/I kept telling him I have an email with my confirmation of the payment 02/16/at 10:02pm and asked him to waive the $feeI was told it was due by 11pm Eastern Standard timeThere was a minute differenceHe told me flat out that he can adjust it but he's choosing not to because I waited till the last minute to pay it and it was due on the 1stI agreed it's due 02/01/but per our agreement I had until the 16th with no late fee and that's the day it was paid and could've sent him the email confirming my payment that day and there was nothing about a late fee when I paid itHe refused to adjust t

October 16,
*** ** ***
*** ** ***
*** * *** *** ***
*** ** ***
RE: Loan
No.:
***
Case No.: ***
Dear Mrand Ms***:
The *** *** 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 September 21, 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 allege that your loan was recently transferred from *** ** *** ***
(“***”) to CMSShortly thereafter, you claim that CMS informed you that your
monthly mortgage payment had increased by $in order to collect an escrow
shortageAs a result, your desired resolution is for CMS to explain the reason
why your account has an escrow shortage and to confirm if the collection of the
escrow shortage is legitimate
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 on May 1, CMS analyzed your escrow account and sent
you an Annual Escrow Account Disclosure Statement (“AEADS”) For your ease of reference, attached hereto
as Exhibit “A” is a copy of the May 8, AEADSThe purpose of the May 1,
AEADS was to advise you of your projected escrow activity for your escrow
cycle beginning July 1, and ending
June 1,
More specifically, the AEADS
projected that your yearly county taxes would be $2,663.00, your yearly
mortgage insurance premium would be $1,and that your yearly homeowners
insurance premium would be $1,Correspondingly, your total disbursements
for your escrow cycle beginning July 1, and ending June 1, were
calculated to be $5,344.80, which if spread over a twelve (12) month period is
equal to $every month
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 July 1, and ending June 1,
Please note that CMS 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 701.50, which represents two (2) months of escrow payments
Based on the calculations from
the May 1, AEADS, your low point escrow balance was $As a result, in order to reach a
low point escrow balance of $701.50, the allowed 1/6th escrow
cushion, CMS needs to collect an escrow shortage in the total amount of $
Please note that your escrow shortage was spread over a twelve (12) month
period Resultantly, that is the reason
why your overall monthly mortgage payment increased by $101.90, from $1,
to $1,effective with the July 1, payment
On June 30, CMS received
funds in the amount of $1,These funds were applied to the suspense
account, as they were not enough to complete a full paymentPlease note that
based on the calculations from the May 1, AEADS, your payment for July 1,
was set at $1,
On July 18, CMS confirmed
your July 1, payment had not been paid in fullAs you failed to make the
July 1, payment prior to the fifteen (15) day grace period, a late charge
in the amount of $was assessed to your loan. Please note, as required by law, we may
report information about your account to the credit bureausLate payments,
missing payments, or other defaults on your account may be reflected in your
credit report
On August 3, CMS received
funds in the amount of $1,CMS then reversed the funds received on July
18, 2015, from suspense combined these funds with the funds received on August
3, 2015, to complete the July 1, payment of $1,757.41, and a late charge
of $This left a remaining balance in unapplied funds of $1,
Because the July 1, 2015, payment
remained unpaid for thirty (30) days past the due date, CMS reported the loan
thirty (30) days delinquent for the July 1, paymentCMS reported the loan
delinquency on August 10,
On August 25, CMS issued a
hazard insurance premium payment to *** *** ** in the amount of $1,
policy number ***
On September 2, CMS received
funds in the amount of $1,CMS then combined this payment with the
existing unapplied funds to complete the August 1, payment of $1,757.41,
and a late charge of $This left a remaining balance in unapplied funds
of $1,
Because the August 1, 2015,
payment remained unpaid for thirty (30) days past the due date, CMS reported
the loan thirty (30) days delinquent for the August 1, paymentCMS
reported the loan delinquency on September 10,
On September 9, you spoke
with our Customer Service Department which explained the increase in your
payment and confirmed that you had a suspense balance of $1,You
requested that these funds be applied to cure the escrow shortageYour request
was submitted, but was declined on September 9, due to the fact that the
loan was still due for the September 1, payment
On September 15, you again
spoke with CMS regarding the payment increase and escrow requestYou were
informed that your request was denied and that you would have to complete the
September 1, payment in full before CMS could apply any unapplied funds
toward your escrow accountOn this date, CMS accepted a check by phone payment
from you in the amount of $375.99. This
amount was then combined with the suspense funds of $1,in order to complete
the September 1, payment in the amount of $1,As of the date of
this letter your loan is current and due for the November 1, payment
As a result of our investigation
we find no evidence of wrongdoing on CMS’s behalfWhile we understand you would
have preferred a different outcome, we respectfully submit that the collection
of the escrow cushion is permitted by law and common within the mortgage
industryTherefore, CMS will continue to comply with federal law and collect
the allowable escrow cushionFurther CMS has confirmed the credit reporting on
your loan is accurate, must respectfully decline your request to correct the
credit reporting on your loan
In regards to the monthly billing
information on your loan CMS had also confirmed that the billing information
was also accurateA copy of the monthly billing statements are attached for
your ease of referenced
Lastly,
please know that CMS remains committed to the highest standards of
customer satisfaction and will continue to do the utmost to assist any customer
with a complaintIf you wish to contact CMS regarding the administration of
your loan you may do so by calling our Customer Service Department at *** ***, Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can
also send written correspondence including inquiries and complaints about your
mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service,
*** *** *** *** ** *** or fax your correspondence to *** ***
We trust that this communication
addresses all of the concerns noted in the complaint. If you have any further questions, please
contact the undersigned at *** ***, Monday through Friday, 8:AM to
5:PM, Eastern Time
Sincerely,
*** ***
*** ***
CC: Revdex.com
IMPORTANT
DISCLOSURES
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please
contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage
Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or
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.m
to 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 bureaus
Late 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 *** *** *** *** ** ***

September 25,
*** ** ***
*** *** *** ** *** ** ***
RE: Loan No.: ***
Complaint I.DNo.: ***
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 email on September 15, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry
As we understand your recent complaint, you stated that you contacted our Customer Service Department on September 9, and requested a copy of your Promissory Note and was informed the document would be requested and mailed to you within a few daysWhen the Promissory Note was not received, you contacted our Customer Service Department again on September 14, to follow up on your request, and were advised the document had not been transferred over to CMS and that another request had been placed to obtain the documentHowever, during the call the representative stated the timing to receive the document would be within two (2) to three (3) weeksYour desired resolution is to receive a copy of your Promissory Note as soon as possible
We have completed a review of your loan and confirm that on September 9, 2015, you spoke with our Customer Service Department and requested a copy of the Promissory NoteDuring your conversation with our representative, the document was requested and the representative did indicate that the delivery of the document to you would be completed within a few days
On September 14, 2015, our records indicate you contacted our office to follow up regarding your request for the Promissory Note as you had not received the documentDuring your conversation with the representative, they advised you CMS had not received the document from *** ** *** (“***”) and therefore we did not have a copy on fileOur records indicate you contacted our Customer Service Department again the same day and were advised a copy of the document may take a couple of weeksPlease note that while the representative was unable to locate the copy of your Promissory Note within the imaged file, the original document was transferred over to CMS
On September 23, 2015, a request was placed with our Collateral Department and a copy of the Original Promissory Note has been providedFor your ease of reference I have included a copy of the Original Promissory Note for your review
In closing, we trust the document provided satisfies your recent request for information and we apologize for the delay in providing you the document originally requested on September 9,
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,
*** ***
*** *** Department
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 ***
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-EQUAL CREDIT OPPORTUNITY ACT NOTICE-
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC
-SCRA DISCLOSURE-
MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** And *** ***
Do not agree on date the recipient checkPer my bank

June 14,
*** ** ***
*** *** *** ***
*** *** ** ***
RE: Loan No.: ***
Borrower: *** ** ***
Property Address: *** ** *** ***, *** ***, ** ***
Complaint I.DNo.: ***
Dear Mr***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a rebuttal filed with the Revdex.com (“Revdex.com”) regarding the above-referenced loan received in our office via email on June 3, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry
As you are aware, our Customer Advocate Department originally received a complaint from you via the Revdex.com on May 16, which raises the same issues as your rebuttalAccordingly, the loan was researched and the attached response was sent to you by CMS with a copy to the Revdex.com on June 1, Please note that although CMS’s June 1, response letter provided you with fifteen pages of documents to support CMS’s response to you, CMS is not attaching another copy of those documents in an effort to avoid unnecessary duplication of efforts
As we understand your rebuttal, you express dissatisfaction with the information provided to you within CMS’s June 1, response letterYou indicate that you understand that CMS is allowed under applicable law to collect an escrow cushion equal to two months (one-sixth) of the amount of the total annual disbursements paid out of an escrow account (not including MIP); however, you continue to assert that CMS should not have collected such escrow cushion from you
As outlined within the June 1, response letter, CMS collects such escrow cushion in an effort to ensure that escrow accounts are properly funded to avoid CMS from having to advance its own funds for the payment of escrow items that are your responsibility to payWhile CMS regrets that such explanation did not meet your expectations, CMS currently has no plans to change its escrow cushion requirement policy
As also stated within CMS’s June 1, response letter, CMS is sorry to hear that you have experienced difficulty with CMS’s Loan Servicing Website (“LSW”) that may have caused your account to be lockedPlease note that CMS has confirmed that your online account is currently unlocked and activated; however, should your online account become disabled in the future, you may contact CMS’s Customer Service Department at *** *** and CMS will immediately reactivate your account at that timeIn light of this information, CMS respectfully, declines your request for a refund of any payment processing fees you incurred when using alternate payment methods
Finally, after thoroughly reviewing your rebuttal, CMS is unable to identify any new issues that have not been previously addressed in detail by CMS as your most recent correspondence appears to be substantially similar, or even identical to correspondence previously addressed by CMS; accordingly, no further response from CMS is requiredMoreover, because we have now addressed these issues on multiple occasions, CMS will not respond to future correspondence raising substantially the same or identical claims
Based on the foregoing, we believe the record is clear that CMS has properly managed your escrow accountIt is also clear that despite having multiple avenues to deliver payments to CMS, you chose to make phone payments to CMS via its Interactive Voice Response (“IVR”) phone payment system for a customary fee of $Should you wish to further discuss any aspect of your loan, we encourage you to contact CMS’s Customer Service Department at *** *** for further assistance
We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Eastern Time
Sincerely,
*** ***
Customer Advocate
CC: Revdex.com
IMPORTANT DISCLOSURES
-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
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** ***, *** ** ***, or by calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-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 *** *** ***, *** ** ***
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'm on a fixed fha loan and this company took over my mortgage and ever since they did every month my mortgage payment has been different and my bill has never gone up now my payment went from to 1,in a matter of about monthsand every time I talk to them they always tell me something differentThey are making my life very difficult to keep track of what is going on