Carrington Mortgage Services LLC

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

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 ***

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 *** *** *** *** ** ***

In October 2016, I phoned Carrington Mortgage to request the closure of my escrow account I never received a response from Carrington, so on November 1,2016, I phoned Carrington Mortgage and spoke with *** *** and requested once again that my escrow account be terminated During the conversation, I was told that I still had to pay the regular payment of $ The November payment was made in the amount of $ A few days after my payment was posted, I received a statement from Carrington Mortgage stateing that my November payment was $ After receiving the statement, I phone Carrington Mortage and requested that the overage difference of the $be mailed to me, and I was told that it would take business daysI never received the overage refund, so I phoned them again on November 21, and spoke with *** *** *** stated that I would need to send in a copy of the front and back of the check payment to ensure that the payment cleare

I have spoken to Carrington Mortgage Services and their employees multiple times to get my account information squared away I was told back in Jan, when Carrington called me, that my payment for my mortgage would be caught up and taking care of I was also told that late payments fees and all other fees would be waivedFor that agreement, I went ahead and set up the ACH payment with confidence that Carrington would honor per our verbal agreement
I called in last Friday, March 9th to inquire about my fees that were attached to my mortgage statement to include the fees that were supposed to be waived During that call, I was placed on hold for minutesThe rep was rude and dismissed my questions that I was askingI eventually hung up because the rep refused to take me off of hold
I called back in today, March 12th to inquire information again I was told that the Rep who took my call in Jan was wrong for saying me that my fees would have been waived I was told multipl

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
Several months back I was charged with a $charge for home inspection even though I had never missed a payment or been lateI had to get your team (Revdex.com) involvedOnce again I am having the same issue where I was charged $for a home inspection even after I spoke with an Agent about a letter I received back in Oct where I was being asked if my property had any damages as a result of hurricane Matthews...my response was no damage were access on my propertyI contacted Carrington Mortgage and they are refusing to issue the credit for this chargeThis is not good practice that I have to take time from my day to keep on calling them to get this matter resolvedPlease assist me in getting this issue resolved.Regards,
*** ***

May 21,2015Original Sent Via First Class Mail*** *** *** *** *** ** *** * * *** RE: Loan No: *** Property Address: *** *** *** **, *** ** *** Complaint I.DNo.: ***Dear Ms***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of your rebuttal filed with the Revdex.com received in our office via email onMay 8, CMS is committed to responsible lending and servicing and we would like toaddress any concerns you may haveThe following is our response to the issue(s) raised in theinquiry.We regret that you were dissatisfied with our original response to your complaintCMS iscommitted to the highest standards of customer satisfaction and professionalismFor this reason,we work very hard to provide exceptional training to our associates and we take all legitimatecomplaints regarding the conduct of our business very seriouslyAlthough we understand youare not pleased with the outcome, your complaint was investigated fairly and we believe it wasresolved appropriately.Upon receipt of your rebuttal, we reviewed your original complaint again, as well as the responsewe provided on April 3, Your rebuttal raises several issues that were not raised in theoriginal complaintIn your original complaint, you contended that you were pursuing a loanmodification with CMS but had not received a decision on your applicationAs a result, youexpressed frustration with the loan modification processThough you pointed to aspects of yourloan modification review process which you were dissatisfied with, at no time did you request acomplete investigation as you assert in your rebuttalAdditionally, you made no mention of arequest for a name change in your original complaintAs a result, these issues were notaddressedWe maintain that our response to your original complaint addressed the issues raisedtherein.Further, CMS advised you in the last response that you were approved for a VA Trial PeriodPlan ("TPP")On April 1, 2015, CMS sent the VA Trial Period Plan Agreement ("TPPAgreement") which explains the terms and conditions of your TPPWe also included a copy ofthe Agreement in our April 3, response to your original complaintWe indicated that theTPP Agreement must be returned and fully executed by May 1, I Our records show that theTPP Agreement was received on May 19, On or about May 20, 2015, CMS received aletter from you requesting a due date change for your TPP from May 1, to June 1, 2015.Unfortunately, we are not able to change the start date of your TPPPlease be advised that yourTPP is due for May 1, payment.In regards to your name change, CMS was unable to locate any written request for a namechange in any of its recordsHowever, after further investigation, we were able to locate theattached divorce decree dated in the prior servicer documentsIn order for us to changeyour name, please submit a complete package with the following documents: a copy of thedivorce decree, a copy of your social security card and a copy of your driver's license reflectingyour name changePlease send the documents to CMS, Attn: Customer Service, *** *** *** ** *** in the next ten (10) daysProviding that your name matches on all thedocuments, we will gladly update our system.We trust that we have completely addressed your concernsCarrington Mortgage Services, LLCis committed to customer satisfactionWe can be reached at *** *** Monday throughFriday, 8:00AM to 5:00PM, Pacific Time.Sincerely, *** ***CC: Revdex.com

August 19,
*** ** ***
*** ** ***
*** *** *** *** ** ***
RE: Loan No.: ***
Primary Borrower: *** ** ***
Co-Borrower: *** ** ***
Property Address: *** *** *** *** ** ***
Complaint I.DNo.: ***
Dear
Mrand Ms***:
The *** *** Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a complaint filed with the Revdex.com (“Revdex.com”) regarding the above-referenced loan received in our office via email on July 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 the complaint, after the servicing of your loan was transferred to CMS, Lender Placed Insurance (“LPI”) was purchased for your loan which caused your mortgage payments to increaseOver the following two months you worked to provide information to CMS and eventually CMS refunded your loan for the LPIYou state that you were told to pay the new insurance premium for the months of June and July and you would receive a refund for any difference dueYou received an updated escrow analysis from CMS which included an escrow shortage collection and are dissatisfied with the level of customer service you received from CMS
As you are aware, the servicing of this Federal Housing Administration (“FHA”) insured loan was transferred from *** ** *** *** (“***”) to CMS on April 2, On April 6, 2015, CMS issued you the attached Notice of Service Transfer (“Hello Letter”) notifying you of the service transfer to CMSAt the time of the service transfer your loan was contractually current and showing due for the April 1, mortgage payment in the amount of $1,
A review of our records found that your loan was acquired with your next hazard insurance premium showing due to Travelers Insurance (“Travelers”) on May 11, On April 16, 2015, CMS’s Insurance Vendor, *** *** *** *** (“***”), contacted Travelers and the insurance agent notified *** that your hazard insurance policy was cancelled on May 29, The Travelers representative explained that a copy of the cancelation notice would be sent to CMS shortly after the phone call was concludedThat same day, *** received the attached Notice of Cancelation from TravelersBecause CMS received information confirming that your hazard insurance was cancelled effective on May 29, 2014, CMS began issuing you notices requesting you to provide Evidence of Insurance (EOI”) to CMS
On April 18, 2015, CMS issued you the attached notice informing you that CMS’s records showed that your hazard insurance was cancelledBecause you are required to maintain hazard insurance coverage for your property at all times, CMS informed you that CMS planned on purchasing LPI on your behalf ant at your expense if CMS was not in receipt of EOIThis notice requested that you immediately provide CMS with EOIThis notice also informed you that a LPI policy is generally more expensive than the cost of a policy that you may be able to obtain with a preferred insurance provider, mainly because the LPI policy would insure the lender, even in the event that the property suffered a claimable loss during a lapse period in coverage datesIn addition LPI only insures the lender’s interest and does not insure any of the borrower’s personal belongings
Because CMS was not in receipt of the requested EOI, CMS issued you the attached Second and Final Notice to Provide Insurance InformationThis second notice reminded you that CMS was not in receipt of EOI for the period beginning on May 29, and requested that you immediately provide CMS with EOIThis notice again informed you that if CMS was not in receipt of the requested EOI, CMS would purchase LPI on your behalf and at your expenseYou were also notified that the estimated cost of the LPI would be in the amount of $1,annually ($monthly as $1,divided by equals $90.00)
Also on May 20, 2015, CMS completed an initial escrow analysis for your loan and issued you the attached escrow analysisThe escrow analysis projected total annual escrow disbursements in the amount of $2,252.00, which included a hazard insurance premium in the amount of $and property taxes in the amount of $1,Real Estate Settlement Procedures Act (“RESPA”) guidelines limit the amount of funds a loan servicer may require a borrower to hold in an escrow account, commonly known as an escrow cushionAlthough RESPA does not require the lender to maintain a cushion, RESPA does allow a loan servicer to maintain an escrow cushion equal to two months (one-sixth) of the amount of the total annual disbursements paid out of an escrow account
Because the total annual escrow disbursements for your loan were projected to be $2,252.00, your escrow account was required to have a minimum of $at all times ($2,divided by equals $375.32)Based upon the projected disbursement date of your annual hazard insurance premium and the projected date that your property taxes would be disbursed, CMS determined that your escrow account would have a deficit of $in November Because you are required to have $in your escrow account at all times, CMS determined that your escrow account would contain an escrow shortage in the amount of $at that time ($plus $equals $863.21)
In order to prevent any undue hardship, CMS spread the escrow shortage of $over a period of twelve months which resulted in an increase to your monthly mortgage payment from $1,to $1,effective with the July 1, mortgage paymentFor your ease of reference, a breakdown of the July 1, mortgage payment is outlined below
Principal and Interest: $ 1,
Base Escrow Collection: $ ($2,divided by 12)
Monthly Escrow Shortage: $ ($divided by 12)
July 1, Payment $ 1,
Because CMS was not in receipt of the requested EOI for the period beginning on May 29, 2014, CMS purchased a LPI policy in the amount of $1,on your behalf and at your expense on June 4, This escrow disbursement covered the period beginning on May 29, through May 29, On June 7, 2015, CMS issued you the attached notice informing you that CMS purchased LPI on your behalfThis notice also provided you with a copy of your LPI policyOn June 8, 2015, CMS disbursed $from your escrow account for the payment of the first monthly installment of the LPI
Later that same day, CMS received the attached EOI showing that you secured hazard insurance coverage from *** *** (“***”) for the period beginning on May 11, to May 11, with an annual premium in the amount of $CMS would like to point out that this EOI provided an annual premium which was greater than the prior insurance premium amount of $On June 11, 2015, CMS refunded your escrow account $and issued you the attached letter notifying you that your escrow account was refunded for all LPI premiums disbursed in connection with the LPI policy covering the period from May 29, to May 29, On June 12, 2015, CMS disbursed the payment for your preferred hazard insurance premium to *** in the amount of $Please note that CMS was not yet in receipt of your EOI for the period beginning on May 29, to May 11,
On June 22, 2015, CMS completed a new escrow analysis for your loan as your preferred insurance policy was received and disbursed from your escrow accountThis escrow analysis projected for the payment of your increased preferred insurance premium in the amount of $and property taxes in the amount of $1,for total annual disbursements in the amount of $2,The escrow analysis determined that your escrow account would contain an escrow shortage in the amount of $1,which was spread over a period of twelve months and resulted in an increase to your mortgage payment effective with the August 1, mortgage paymentFor your ease of reference, a breakdown of the August 1, mortgage payment is outlined below
Principal and Interest: $ 1,
Base Escrow Collection: $ ($2,divided by 12)
Monthly Escrow Shortage: $ ($1,divided by 12)
August 1, Payment $ 1,
The very next day, CMS finally received the EOI that CMS originally requested from you on April 18, that covered the period beginning on May 11, to May 11, CMS then began the necessary actions to refund your escrow account for the LPI disbursement in the amount of $1,CMS is able to confirm that on July 2, 2015, the full LPI refund was applied to your escrow accountOn July 6, 2015, CMS received funds in the amount of $1,which were applied to the July 1, mortgage payment the same day
On July 14, 2015, CMS completed a new escrow analysis for your loan and issued you the attached escrow analysisThe escrow analysis projected total annual escrow disbursements in the amount of $2,360.00, which included a hazard insurance premium in the amount of $and property taxes in the amount of $1,Because the total annual escrow disbursements for your loan were projected to be $2,360.00, your escrow account was required to have a minimum of $at all times ($2,divided by equals $393.32)
Based upon the projected disbursement date of your escrowed items, CMS determined that your escrow account would have a low point balance of $in November Because you are required to have $in your escrow account at all times, CMS determined that your escrow account would contain an escrow shortage in the amount of $at that time ($minus $equals $207.28)CMS spread the escrow shortage of $over a period of twelve months which resulted in a reduction of your monthly mortgage payment from $1,to $1,effective with the August 1, mortgage paymentFor your ease of reference, a breakdown of the August 1, mortgage payment is outlined below
Principal and Interest: $ 1,
Base Escrow Collection: $ ($2,divided by 12)
Monthly Escrow Shortage: $ ($divided by 12)
August 1, Payment $ 1,
CMS is able to confirm that on August 3, 2015, CMS received funds in the amount of $1,These funds were applied to the August 1, mortgage payment in the amount of $1,and the remaining $was applied to your principal balanceAs of the date of this letter, your loan remains contractually current and showing due for the September 1, mortgage payment in the amount of $1,Attached for your ease of reference is a copy of your loan payment history as well as the loan servicing system payment codes and definitions
In response to your dissatisfaction with the level of customer service that you received from CMS, CMS has reviewed the loan in detail and is unable to locate any evidence that your phone calls were mishandled in any wayWhile CMS sincerely regrets that supervisors were unavailable to take your calls at the exact moments that you requested to speak to a supervisor, each CMS representative transferred your call to a CMS supervisor’s voicemail upon your requestWhile you chose not to leave a message so that a CMS supervisor could return your phone call, CMS respectfully submits that should you have left a message for a CMS supervisor, that your call your call would have been returned by a CMS supervisor within a reasonable timeframe
Based on the foregoing, we believe the record is clear that CMS has properly serviced your loan based upon the information CMS received at the time of the service transferIt is also clear that you were notified on multiple occasions that CMS was not in receipt of your EOI for the period from May 29, through May 29, and although CMS requested such documentation from you and provided you with the consequences if you failed to provide such information to CMS, CMS was not in receipt of the requested EOI which resulted in CMS purchasing LPI on your behalfShould 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,
*** ***
*** ***
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 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 the Customer Service Department 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

Company does not allow additional Principal payments in excess of one monthly payment on websiteThis is a direct violation of my original loan agreement set forth prior to sale of my mortgageThe new company has to provide all services of the original loan agreementThey also allow to only make one payment a month, which limits the amount of principal you can send, which violates no penalty for paying off earlyThey limit these so they can collect more interest! The mortgage company has to allow you to make additional principal payment, at any amount, at any time!!! (either by mail, by website(online bill pay) or by phone)

I am seeking recovery of penalties and fees for improper posting of a payment(May mortgage payment)
The "defendant" received payment on time but posted it to an escrow account because it was not a full paymentHowever, the "defendant" failed to advise the "complainant" that there was an increase in the amount of the payment dueThe monthly invoice did not reflect an increaseSubsequently the "defendant" is charging late fees and penaltiesThe difference between the payment received by them and the increase I had to send was $The "defendant" is now whole, but the complainant is out the fees and penalties and possible reporting of the "late" payment to the credit bureaus This is the third incident of this sort I have had which has involved them posting a payment incorrectly and then sending me a Dunning letter demanding immediate payment or foreclosureNot only are their accounting practices questionable but their customer service is abhorrent

So after my mortgage being at Bank of America for years, I learned it was transferred to Carrington Mortgage Services LLC I received my first invoice for payment less than days before it was due resulting in an online payment that cost an additional $ I signed up for automatic payments, which takes months to be effective in today's electronic world I pay extra principal each month I went with the bi-monthly payments The confirm page showed the mortgage P&I with escrow divided between the 1st and 15th of each month and the extra principal amount divided in half for each payment I then received a confirmation letter that stated everything above, but the extra principal payment amount was cut in half of what I requested When I called the customer service number they stated they do not have access to those numbers How can they not have access to my automatic payments when I set them up through their webpage? Customer service is less than helpful and fails to answer the question asked Even if they understand the question, the response is they don't have access to my mortgage account details Nice of Bank of America to sell this mortgage to this company so I can waste my time on the phone with them and my time refinancing just to get away from Carrington To be far to Carrington, this review is also being posted of Bank of America's review as they stated this entire process in motion

How can Carrington get an A+ when all I see are negative reviews? Plus I am adding another they are the most harassing company I have ever dealt with! We are never that much behind but when we do they send mind you large envelopes!! certified and regular all duplicates!! With all the money they waste doing this maybe I should harass them daily about the waste!! The BBC needs to take a closer look here for sure, or even maybe they need to be reviewed?

Carrington is the worst customer service organization I have ever done business with They are also terrible at the mortgage business They need to go away
During the application process, they LOST all my personal and financial information TIMES!!!!! I know this because they requested it times after I submitted it the first time Incompetent is a good descriptorWhen the application package finally went to underwriting, NOT ONE SINGLE CONTRACT DEADLINE WAS HONORED I almost lost my home, as the seller almost walked away! They would have had major legal issues over this, because the home I was purchasing was a short sale, worth $120,MORE than my purchase price, and if I lost it, I would have sued the hell out of themNEXT, only months into my mortgage, my account showed that it was in forbearance!!! This was absolutely untrue, but it took filing complaints with government agencies to resolve the issue I was stonewalled with Carrington's customer service All I requested from them, in addition to correcting the problem, was a letter of explanation from them so that I could refinance my home elsewhere They refused the letter and a refinance is impossible if your account is in forbearance Of course, Carrington stated it wasn't their fault, it was one of their "vendors" who made the mistake Finally, I was able to refinance with someone else, but not before I received the escrow notice that Carrington seems to be famous for- my mortgage payment was going up to make up for the undercollection in my escrow account COMPLETELY INCOMPETENT MORTGAGE COMPANY

Excellent!!!

March 16,
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*** *** *** ** *** *** *** ** *** 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 February 27, 2017. 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 state that you made your December payment on December 13, 2016, but that you were unaware the escrow payment amount had changed, and as a result, CMS applied this payment to the suspense account. Additionally, you state that this payment was reported to the credit agencies (30) days late. You go on to say that, once you became aware of this problem you contacted CMS, and paid the amount of the shortage. Additionally, you state that CMS waived the late fee that had been assessed to your loan, but you also request that CMS remove the (30) day late credit reporting for the December payment from your credit report. As a preliminary matter, please note that our CMS Customer Servicer Research Department received an inquiry from you on January 19, 2017, which raises the exact same issues as this current complaint. Accordingly, CMS researched the loan and a response was sent to you on February 17, 2017. For your ease of reference, attached hereto please find a copy of CMS’s response dated February 17, We regret that you were dissatisfied with our response to your complaint. CMS is committed to the highest standards of customer satisfaction and professionalism, and we take all legitimate complaints regarding the conduct of our business very seriously. Although we understand you are not pleased with the outcome, the complaint was investigated fairly and we believe it was resolved appropriately. It is important to note that CMS has determined that the information we reported to the major credit bureaus accurately reflects the payment history and loan information. We are, therefore, unable to make the requested changes to the reported information. Please note that CMS is obligated by federal law to provide timely and accurate credit reporting in regards to the current loan status, payment history and loan information. 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, *** *** 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 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 (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

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
Carrington Mortgage failed to send statements to me with the total amount due, despite my many requestsIt was only after it affected my credit that they began to send themThey also have a faulty website that doesn't allow customers to access their account or make a payment without first speaking with an agentThe automated phone system does not report monthly payment amounts, only inflated amounts with late feesCarrington messed up with not sending me billing statements, despite my requestThey cannot hold a customer responsible when they make so many errorsI will be taking them to small claims court to recover late fees and monetary damages incured by them reporting inaccuracies to the credit bureau, which has prevented me from refinancing away from their company.
Regards,
*** ***

Dear Mrand Mrs***:The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com and received in our office via email on September 14, 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 the complaint, you have expressed frustration over the fact that CMS has been calling you starting on or around the 8" of each month to see if you would like to schedule your monthly payment over the phoneYou are also unhappy that you received a letter reminding you to make your monthly payment sometime after August 16, even though you made your payment on August 14, In addition, you claim that you received a message in September regarding your paymentYou are requesting that CMS stop calling you.Please keep in mind that all payments are due on the first day of each month and are considered late as of the second day of the monthHowever, a late fee is not assessed to your loan if the payment is received by CMS on or before the sixteenth day of the monthAny payment received by CMS after the month in which the payment became due may be reported to the credit reporting agencies as delinquentWe encourage you to remit your payment to CMS on the date that it becomes due to prevent late fees, or derogatory credit reporting for any unexpected issues that may arise when making your monthly mortgage payment.It is customary for CMS to contact borrowers as a courtesy when payments are not received and posted to the account on the first day of each monthHowever, there are a number of ways you can avoid receiving a callYou may: 1) call CMS on the first and schedule your payment for the sixteenth of the month; 2) sign up for CMS Direct Pay (a copy is enclosed for your convenience) using your checking or savings account; or 3) send in a letter stating to cease & desist telephone communications with you, and CMS will flag your account as “Do Not Call.” In fact, our records reflect that CMS acknowledged your request and have placed a Cease & Desist telephone contact on September 23, You should not receive any calls regarding your monthly payments from CMS. In your complaint, you state that you received a letter in August about your payment not being receivedOn or about August 11, 2015, CMS sent the attached No Contact Letter as a courtesy which notified you that your loan was past due and that a late charge would be assessed if the payment was not received by August 16, CMS received your payment on August 14, In regards to your claim that CMS called you on or around September 13, 2015, we were not able to locate any records that CMS called you in September.Based on the foregoing, we believe the record is clear that CMS has properly serviced your loan and has provided you with several available payment optionsWe would like to take this opportunity to apologize for any inconvenience that our courtesy calls may have caused youCMS is always interested in how we may improve service levels, and your feedback is importantWe 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, Pacific Time.Sincerely,*** *** ***CC: Revdex.com

The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of a complaint filed with the Revdex.com regarding the above-referenced loanreceived in our office via email on December 2, CMS is committed to responsible lendingand servicing and we would
like to address any concerns you may haveThe following is ourresponse to the issue( s) raised in the inquiry.As you are aware, the servicing of your loan was transferred from Bank of America ("BOA") toCMS on or about August 2, Attached for your ease of reference is a copy of the August 3,Notice of Service Transfer ("Hello Letter") sent to you by CMS that notified you of theservice transferAt the time of the service transfer your loan was contractually current andshowing due for the September 1, payment.On September 2, 2014, you contacted CMS and requested that the CMS representative accept aphone payment to satisfy the payment in the amount of$1,that became due on September1, As a one-time courtesy, the CMS representative agreed to waive the customary $15.00check by phone ("CBP") payment fee and processed the CBP payment as you requestedThisCPB transaction resulted in the September 1, payment being applied to your loan that sameday.On October 1, 4, you contacted CMS by telephone twiceDuring the first call, you explainedthat you were in the process of completing the necessary forms authorizing CMS to beginautomatically drafting your monthly mortgage payments directly from your bank account.During the second call, you reiterated that you wanted CMS to begin automatically drafting yourmonthly mortgage payments directly from your bank accountYou stated that you had a savingsaccountYou also stated that you did not have a checking account and were thus unable toprovide a copy of a voided checkThe CMS representative asked you to send CMS a copy ofyour savings account information along with a written Automated Clearing House ("ACH")request.Also on October 1, 2014, you made a no-cost mortgage payment in the amount of $1,210.79through CMS's online payment systemCMS successfully processed this payment transactionand applied your October 1, payment the same day.Shortly after this online payment was made, CMS' s banking institution was notified that theACH payment information provided for the October 1, payment was not accurateInresponse to being notified of the inaccuracy, CMS locked your account from its onlineautomated payment systemCMS then notified you of the errorAttached is a copy of theOctober 3, letter CMS issued that informed you that you needed to contact your financialinstitution to confirm and/or correct the ACH information that was provided to CMS.After receiving and reviewing your completed ACH request form, CMS returned it to youbecause it did not provide all of the information required by CMS to set up the ACHPlease beadvised that a voided check is required in order to automatically draft mortgage payments from achecking accountSimilarly, a copy of a savings account statement or a letter on your bankinginstitution's letterhead that provides the savings account number and bank routing number isrequired in order for CMS to automatically draft mortgage payments from a savings account.On November 5, 2014, you contacted CMS by telephone and advised the CMS representativethat you were having difficulty with CMS's online payment systemIn an effort to assist you,the CMS representative informed you that the Cashiering Department would be notified of theissue to determine the reason you were unable to make an online paymentThe CMSrepresentative also notified you that you needed to provide a copy of your savings accountstatement if you desired to use a savings account to set up ACH drafts.On November 14, 2014, you contacted CMS and spoke with ***, a customer servicerepresentativeDuring this phone conversation, you indicated that you were still havingdifficulty with CMS's online payment systemYou asserted that the online payment systemissues resulted in your inability to pay the November 1, paymentThe representativeapologized for your experience and informed you that she would reach out to the CashieringDepartment to follow up on the original request sent on November 5, 2014.It was during the November 14, call that you began claiming that CMS was intentionallycausing you to be late by making it impossible for you to make your mortgage paymentThecustomer service representative explained that CMS received notification that incorrectinformation had been entered in CMS's online payment systemThe incorrect informationcaused your online account access to be lockedIt was at this time that you indicated you wouldbe filing a Revdex.com complaint against CMS and became hostile towards thecustomer service representative.You then requested to be transferred to a supervisorAfter a brief hold, the customer servicerepresentative returned to the call and explained that she was unable to transfer you directly to asupervisor because all supervisors were assisting other customers at that momentThe customerservice representative encouraged you to contact CMS later that day in order to speak directlywith a supervisor.You then refused to end the call and stated that you would make her hang up on you so that youcould include that action in your complaintAs you requested, *** provided you with hername and politely encouraged you to have a nice day before transferring your call to thevoicemail of her supervisorWe are able to confirm that your online account was unlockedshortly after this phone callPlease be advised that CMS has reviewed the call in question andwe find no evidence to support your claim of unprofessional behavior by the customer servicerepresentative.On November 17, 2014, a late fee in the amount of $was assessed to your loan as thepayment was not received within the fifteen day grace periodOn November 20, 2014, CMSreceived and applied your November 1, payment in the amount of $1,We are ableto confirm that CMS did not report any derogatory loan or payment information to the creditreporting agencies as the payment was received within the same moth that the payment becamedueAs of the date of this letter, your loan is contractually current and showing due for theDecember 1, paymentAs an expression of our commitment to the highest standards ofcustomer satisfaction, CMS waived the November late charge in the amount of $which weconfirmed has been completely removed from your loan.Finally, if you continue to desire that CMS automatically draftyour mortgage payments fromyour savings account, we encourage you to return a completed ACH request form along with acopy of your savings account statement ret1ecting the routing and account number or a letterfrom your banking institution, on their letterhead, providing CMS with your savings accountnumber and your bank routing number.Based on the foregoing, we believe the record is clear that you entered incorrect informationwithin CMS's online payment system which led to CMS blocking additional electronic paymentsvia its automated payment systemsWhile CMS sincerely apologizes for any inconvenience youmay have experienced due to the delay in having your online account unlocked, we believe thatCMS has appropriate resolved the matter at this time and has ensured that you have not beenpenalized in any wayShould you wish to further discuss any aspect of your loan, we encourageyou to contact our Customer Service Department at (800) 561-for further assistance.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at (866) 874-5017, Monday throughFriday, 8:00AM to 5:00PM, Pacific Time.Sincerely,*** ***Customer Advocate

April 22,
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RE: Loan No.: ***
Borrower: *** ***
Property Address: *** *** ***, *** ** ***
Complaint I.DNo.: ***
Dear Ms***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a complaint filed with the Revdex.com (“Revdex.com”) regarding the above-referenced loan received in our office via email on April 21, 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 an identical inquiry from you via the Consumer Financial Protection Bureau (“CFPB”) April 4, which raises the very same issues as this complaintAccordingly, the loan was researched and a response was sent to you by CMS via the CFPB Portal on April 22, A copy of that response is included here for your ease of reference
After a thorough review of your most recent correspondence, CMS is unable to identify any new issues that have not been previously addressed in detail by CMS as your 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
Please note that pursuant to 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 complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Eastern Time
Sincerely,
*** ***
Customer Advocate
CC: Revdex.com
IMPORTANT DISCLOSURES
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** ***, *** ** ***, or by calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-EQUAL CREDIT OPPORTUNITY ACT NOTICE-
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC
-SCRA DISCLOSURE-
MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** ***, *** ** ***