Carrington Mortgage Services LLC

For the month of May 2016, I mistakenly paid my mortgage through Carrington's website -- forgetting that I had signed up for the Mortgage company to take the payment directly from my bank In short, I made two mortgage payments When I discovered this, I called them immediately and was told to mail statements from my bank to themI did just that When I didn't hear anything, I called them again on May 6, I was told I mailed them the wrong statements I was suppose to send them statements from my bank This is impossible because I wouldn't receive the bank statements till the end of May I contacted my bank and they drafted letters about the duplicate deductionI faxed these documents to Carrington the same day, May 6, I called today, May 23, to check the status and was told by a representative named Nicholas that he would take care of it and that I should get my money mailed to me in "one month." I demanded to talk with a manager, but was refused by Nicholas

My mortgage was sold from *** on July 1, to Carrington Mortgage On July 6, I called Carrington based on the paperwork from *** ** *** I was told to not mail anything yet because I wasn't in their system, yet should be within a couple of weeks I had already mailed my payment to *** which they had sent to CarringtonIt was deposited on July 12, On July 15, I received a call from Carrington requesting that I call their counselors When I returned on July 19, I called and they were extremely nasty I was informed that I was past due for months on my mortgage, including the current month of July and that I need to mail the payments immediately I informed the lady that I haven't received anything in writing and her math was incorrect because I mailed my May and all but $of my June payment I also informed her that I'd continue to pay *** until I received something in writing from their company She nastily told me to not send anything to *** but to

CARRINGTONMORTGAGE SERVICES, LLC ISLD 1600March 28, 2017Original Sent via Regular Mail*** *** *** *** *** *** *** ***, ** ***RE: Loan No.: ***Primary Borrower: *** ** *** Co-Borrower: *** ***Property Address: *** *** ***
***, ** *** Complaint I.DNo.: ***Dear Mr*** and Mr***l: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 abovereferenced loan received in our office via email on March 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.Please read the following disclosures carefully:This notice is intended only for the person(s) to whom it is addressedPlease do not read or copy this notice if you are not that person(s)If you received this notice in error, then please notify CMS immediately, and return the notice to us as soon as possible.For further information please contact: Carrington Mortgage Services, LLC Attention: Customer Service Research Department P.OBox ***Westfield, IN 46074Telephone *** ***Please note that this letter and the related documents are provided for informational purposes only, and in response to your inquiry.As we understand your complaint, you claim that CMS has provided you with incorrect information as it pertains to the date the servicing of your loan was transferred to CMS, the due date of your monthly mortgage payment, CMS's customer service telephone phone number and CMSs websiteYou state that after refinancing your loan with another lender on February 21, you paid the subject loan off in full and you claim that CMS has not provided you any information regarding your escrow accountYou further claim that you called CMS and were informed that CMS could not access your escrow information at that time and that CMS could not mail or email any information to you as the loan was paid offYour desired resolution is for CMS to provide you with escrow information from the time your loan was transferred to CMS and to refund any surplus funds to you.As a preliminary matter, CMS is uncertain as to why you claim that CMS provided you with incorrect information as to when you monthly mortgage payments are duePlease be advised that CMS is unable to locate any evidence to support that claimPursuant to the terms of the enclosed Note, your monthly mortgage payments were due on the first of each monthIf full payment was not received by the fifteenth calendar day of the date in which it was due, a late charge would be assessedA copy of the Note is enclosed for your referenceIn light of the above, we respectfully submit that CMS has not provided you with incorrect payment due dates.As you know, the servicing of the subject loan transferred to CMS from *** ** ***, N.A(***) effective December 2, On December 7, 2016, CMS mailed the attached Notice of Service Transfer and Notice of Sale; however, due to an inadvertent clerical error an incorrect transfer date was provided in those letters in the generation of the noticesCMS apologizes for any inconvenience you may have experienced as a result of the inadvertent clerical error.That being said, CMS mailed a letter to you on December 16, (“December 16, Letter) notifying you that the sale and service transfer of your loan to CMS was effective December 2, and to disregard the date of October 2, provided in the above referenced noticesA copy of the December 16, Letter is enclosed for your referenceAlso, a breakdown of your balance at the time of the service transfer is provided below:EScrow: $2,Principal: $164,Loan Due for the December 1, paymentCMS disbursed $1,from your escrow account to pay property taxes on or about December 27, and the monthly mortgage insurance premiums (“MLP”) of $were disbursed from your escrow account on January 5, and February 4, It is important to note that as a condition of your FHA loan, you are required to pay a monthly MIPThese MIP payments are disbursed in arrears from your escrow account and CMS will typically disburse MIP payments to the U.SDepartment of Housing and Urban Development ("HUD") on or about the fifth day ofthe following monthFor example, CMS would disburse the MIP payment for the month of February on or about March 5, 2017.Our records indicate that CMS performed an escrow analysis on January 31, with an effective date of March 1, (“Escrow Analysis”)The Escrow Analysis projected a surplus of $A copy of the Escrow Analysis is enclosed for your reference.CMS later issued a payoff statement dated February 11, providing $164,as the amount to pay your loan off in full pursuant to your requestCMS disbursed $1,from your escrow account on February 14, for the payment of your annual hazard insurance premiumThe hazard insurance premium disbursement resulted in a negative escrow account balance of $Because the February 14, hazard insurance premium disbursement was made after the February 11, payoffstatement was issued to you, CMS issued an amended payoff statement to you on February 14, in the amount of $164,A copy of the amended payoffstatement is enclosed for your referenceCMS received payoff funds in the amount of $164,on or about February 28, However, as discussed above, the February 11, payoff did not account for the hazard insurance disbursement or the March disbursement for the MIP due February Accordingly, CMS advised your title company of the payoff shortageCMS later received additional funds in the amount of $and your loan was fully paid offA copy of your payment history is enclosed for our reference.Our records indicate that you called CMS on March 13, regarding your escrow accountYou requested a breakdown of your escrow disbursements from the time of the service transfer from BANA until your loan was paid offThe CMS representative informed you that you that you would need to submit a written request in order to received detailed information regarding escrow disbursements and if a refund was dueOur records do not indicate that the CMS representative informed you that CMS could not provide information regarding your escrow acCOunt.As discussed above, you had a negative escrow balance of $when CMS received the initial payoff funds in the amount of $164,Thus, $in additional funds were received by CMS to cover the negative escrow balance of $and the $MIP payment for February Accordingly, you had an escrow account balance of $once your loan was paid offFor a breakdown of the escrow disbursements, CMS refers you again to the enclosed escrow account ledger.Based on the foregoing, CMS believes the record is clear that CMS complied with all applicable laws and regulations regarding the servicing of your loanCMS determined that incorrectinformation regarding the date of the transfer of your loan to CMS was provided due to an inadvertent clerical errorHowever, CMS sent the December 16, Letter informing you of the errorCMS apologizes for any inconvenience you may have experience as a result of the errorHowever, our records do not indicate that CMS provide incorrect information about payment due dates, or customer service phone numbers and websitesFurther, CMS provides the enclosed escrow account ledger as requestedFurther, as your escrow account has a balance of S0, CMS declines your request for a refund.We trust that this communication addresses all of the concerns noted in your InquiryIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, from 8:00AM to 5:00PM, Pacific Time.Customer Advocate DepartmentCC: Revdex.comIMPORTANT DISCLOSURES-INQUIRIES & COMPLAINTSFor 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 ***, *** ** ***, 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://carrington ms.com/.-IMPORTANT BANKRUPTCY NOTICEIf 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 REPORTINGWe 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.-MINIMIRANDAThis 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 COUNSELORINFORMATIONIf 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 http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfmYou can also contact the CFPB at *** ***, or by going to WWW.consumerfinance.gov/find-a-housing-counselor.-EQUAL CREDIT OPPORTUNITY ACT NOTICEThe 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 20580.-SCRA DISCLOSUREMILITARY 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 REQUESTSYou 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 P.OBox ***, Anaheim, CA 928.03.TENNESSEE:This collection agency is licensed by the Collection Service ***rd of the Department of Commerce and Insurance

My current mortgage is with Carrington Mortgage Services and I escrow and they have yet to pay my taxes I have received a few notices from Brazoria County saying I am delinquent in payments I have called Carrington Mortgage customer services at least times to ask how will this be handled since I have paid my taxes monthly through escrow They have made multiple excuses I am sick and tired of the excuses and I wish they would sell my mortgage to a big bank so I won't have to deal with the incompetence of the company I will never refer anybody to this company I just want this company to pay my taxes with Brazoria county

Revdex.com:the resoonce again references a letter that is nothing more than a full accoint historythe concerns were not that an escrow analysis wasnt avaiable online, but if it had been there would have been less of an issuethe fact is that they keep saying they provided the analysis before nov this statemwnt is incorrect as I called and told them I hadnt recieved it and they sent a new onethis company seems to offer lenthy responces with useless facts to confuse you into beliving they havent made a mistake90% of the responce had nothing at all to do with the problem at handi did not recive the escrow analysis via us maili called and asked about itand they sent it to me post dated early novembertalking about things that happened a year ago with my account does not show organization, but ither disorder, or an attemt to bury you with usless facts to make it harder to ascertain the truthplease immeadiatly reverse the late charge and use it towards the outstanding principal in this matter.
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,
*** ***

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,
*** ***

(Please see the attached response letter and supporting documents.)
January 12,
ORIGINAL RESPONSE SENT VIA REGULAR MAIL
*** E***
*** G*** *** *** *** *** ** ***
RE: CMS Loan No.* *** *** Loan No.: ***
Complaint No.: ***
Borrowers: *** E*** and *** G***
Property Address: *** *** *** *** ** ***
Dear Mrand Mrs***:
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 January 4, 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 previously received a Revdex.com complaint from you on November 28, which raises some of the same issues as your most recent inquiryAccordingly, the loan was researched and a response was sent to you by CMS on December 28, 2016, a copy of which is included here for your ease of reference
As we understand your most recent complaint, you raise concern with some of the information provided to you by CMS in its December 28, response letterSpecifically, you dispute the statement that you notified CMS “for the first time” on December 28, that you did not want to pay the remaining $required to satisfy the December 1, mortgage paymentIncluded with your new complaint are copies of three letters that were addressed to CMS’s payment processing center at P.OBox 79001, Phoenix, AZ 85062-The letters in question are dated September 9, 2016, October 9, and November 5, respectively
In another effort to support your assertion that December 28, was not the “first time” you indicated that you did not want to pay the remaining $required to satisfy the December 1, mortgage payment, you reference your November 28, which states “Acknowledge that the adjustment payment I submitted in October and the full payment in November are timely and correct”You then add that the adjustment payment was $205.28, which you believe clearly implied that you did not want to pay the $required to satisfy the December 1, mortgage paymentFinally, you express concern that the Customer Advocate who attempted to assist you did not contact you a second time on December 28, with confirmation that CMS would agree to your requests
As a preliminary matter, CMS would like to remind you that as of December 28, 2016, CMS had agreed to remove all late fees assessed to your account and suppress any derogatory account information reported to the credit reporting agenciesTo be clear, those actions were taken by CMS solely as expression of our commitment to the highest standards of customer satisfaction, and not as an admission of fault, wrongdoing or of the validity of your claims
While CMS understands you have taken exception to the statement that CMS was notified “for the first time” that you did not want to pay the remaining $required to satisfy the December 1, mortgage payment, we believe that statement was accurate and reasonable for the reasons outlined below
First, the September 9, 2016, October 9, letters you reference were addressed to CMS’s payment processing center which is not the incorrect address to send inquiries of that naturePlease be advised that written correspondence about your mortgage loan should be sent to CMS’s Customer Service Research Department via mail to P.OBox 3489, Anaheim, CA or via fax to (800) 486-While CMS does its best to mail such correspondence to its Customer Service Research Department, which is primarily responsible to respond to written requests of that nature, there is no guarantee that all incorrectly address inquiries will be delivered to our Customer Service Research Department
Second, as you know, it is CMS’s policy to require all written requests to contain a borrower’s actual signature and such signature must match one or more of the borrower signatures contained within the original loan documentsThis action is taken by CMS in an effort to protect the non-public private information of its customers and is within the bounds of federal, state and local laws and the related servicing agreementWhile CMS’s Customer Service Research Department did receive your October 9, letter on October 17, 2016, that unsigned inquiry was returned to you on October 19, with a letter notifying you of the above referenced policy
In response, you then sent your signed November 5, letter to CMS which was received by CMS on November 14, After reviewing your November 5, letter in detail, CMS is unable to locate a statement wherein you notified CMS that you did not want to pay the $required to satisfy the December 1, mortgage paymentOn December 21, 2016, CMS issued the attached letter to you addressing all issues raised in your November 5, complaintIn an effort to avoid a duplication of efforts, CMS is not providing you with another copy of the supporting documents sent to you along with the December 21, response
While your recent complaint also references a partial section of your November 28, Revdex.com complaint that you believe could be interpreted as notification that you did not wish to pay the remaining $required to satisfy the December 1, mortgage payment, CMS did not interpret that statement in the manner you suggestIn light of this information, CMS respectfully submits that its interpretation of your correspondence was reasonableNevertheless, CMS apologizes if you felt the use of that interpretation was incorrect or otherwise inappropriate in any way
As discussed during the phone conversation with you on December 28, 2016, CMS is very much interested in further assisting you with your loan servicing needsWe apologize if the Customer Advocate that spoke with you on December 28, was unable to call you a second time that same day; however, we note here that multiple CMS representatives including the undersigned Customer Advocate have since attempted to contact you multiple times with no response from you
Please be advised that CMS will continue with its loan servicing practices based upon the current status of your loanThat being said, we acknowledge that the issue at hand is still not fully resolved at this time and hope that you return the numerous telephone messages that I have personally left for you at (703) 407-CMS is satisfied that telephone calls have been left at the correct telephone number as the outgoing message announces your nameAgain, please contact the undersigned as soon as you receive this letter in order to further discuss the actions needed in order to achieve your desired outcome
We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at (866) 874-5017, Monday through Friday, 8:AM to 5:PM, Eastern Time
Sincerely,
Chris Lindsey
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, P.O Box 3489, Anaheim, CA 92803, or by calling 1-800-561-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 (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 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 1-888-267-
-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 (800) 561-4567, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at P.OBox 3489, Anaheim, CA

February 24, *** *** *** *** *** *** *** ***, ** *** RE: Complaint No.
: *** Loan No.: *** Property Address: *** *** ***, ***, IN 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 February 6, 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 claim that CMS has assessed $1,in late fees to your loan, and also state that you were informed you were behind one monthly payment on your loan. You go on to say that you paid $3,in November 2016, and after this payment was applied to your loan, CMS informed you that your loan showed a zero balance due. However, beginning January CMS informed you that you still owed $in fees. You express concerns with the assessment of these fees to your loan At the outset, please note that the servicing of this Federal Housing Administration (“FHA”) insured loan transferred from *** ** *** N.Ato CMS on or about April 2, 2015. At the time of the service transfer the loan was showing contractually due for the April 1, payment. Additionally, the records show that your loan had an outstanding balance of $1,in late fees. In addition, the records show that these fees have been outstanding on your loan since July 2014. For your ease of reference, attached hereto as Exhibit “A” please find a payment history provided by your prior servicer that shows payment transactions on your loan from March 30, to March 31, 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. That process includes completing post-transfer diligence and an escrow analysis which is due within sixty days of the acquired date. Upon review, our records show that after the service transfer CMS sent you a billing statement on April 18, 2015. This billing statement showed that your loan was past due the amount of $2,489.21, which represented the April 1, payment in the amount of $937.50, and $1,in outstanding late fees. For your ease of reference, attached hereto as Exhibit “B” please find a copy of this statement Thereafter, on May 4, CMS received a payment from you in the amount of $937.50. This payment was applied to your April 1, payment in the amount of $937.50, leaving an outstanding balance of $1,in late fees due. That same day, CMS sent you a billing statement that shows this payment transaction and also shows an outstanding balance due in the amount of $2,489.21, which represents your May 1, payment in the amount of $937.50, and an outstanding balance of $1,in late fees due. For your ease of reference, attached hereto as Exhibit “C” please find a copy of this statement On May 18, 2015, an escrow analysis was completed. This escrow analysis was completed as part of the post service transfer requirements mentioned above. That same day CMS sent you an Annual Escrow Account Disclosure Statement (“AEADS”). For your ease of reference, attached hereto as Exhibit “C” please find a copy of this statement. This AEADS advised you of your projected escrow activity for the escrow cycle beginning August 1, and ending June 30, Specifically, the AEADS projected that your yearly county taxes would be $1,058.60, your yearly homeowners insurance premium would be $1,028.31, and your FHA insurance premium would be $Correspondingly, the total disbursements for this escrow cycle were calculated to be $2,The total projected escrow advances divided by (12) equaled $per month and represented the required escrow payment beginning July 1, 2015. This AEADS also resulted in an escrow shortage in the amount of $10.44. This escrow shortage was being collected over a twelve (12) month period starting with the July 1, payment, resulting in a monthly shortage collection in the amount of $0.87. The following is a summary of the total monthly payment amount beginning July 1, Principal and Interest Payment $Escrow Payment $Escrow Shortage $ Total: $937.97 On June 1, 2015, CMS received a payment from you in the amount of $937.50. This payment was applied to your May 1, payment in the amount of $937.50, which left an outstanding balance of $1,in late fees due. That same day, CMS sent you a billing statement that showed this payment transaction and also showed an outstanding balance due in the amount of $2,489.21, which represented your June 1, payment in the amount of $and an outstanding balance of $1,in late fees due. For your ease of reference, attached hereto as Exhibit “D” please find a copy of this statement Thereafter, our records show that CMS received payments from you each monthHowever, the payments were received consistently thirty days or more past the due date It is important to note that CMS sent you billing statements every month that showed the outstanding past due payment and outstanding late fees on your loan On June 24, CMS completed another escrow analysis. This escrow analysis was completed as part of the regularly scheduled annual analysis cycle for loans secured by property located in the State of IndianaFor your ease of reference, attached hereto as Exhibit “E” please find a copy of this statementThis AEADS advised you of the projected escrow activity for the escrow cycle beginning August 1, and ending June 30, Specifically, the AEADS projected that your yearly county taxes would be $989.20, your yearly homeowners insurance premium would be $1,034.97, and your FHA insurance premium would be $Correspondingly, the total disbursements for this escrow cycle were calculated to be $2,The total projected escrow advances divided by (12) equaled $per month and represented the required escrow payment beginning July 1, 2016. The following is a summary of the total payment amount beginning July 1, Principal and Interest Payment $Escrow Payment $Total: $929.77 Below for your ease of reference is a payment summary that shows your payment transactions from the date of the service transfer to the January 6, Based on the foregoing, we conclude that CMS has credited the payments received from you appropriately and in accordance with the established policies and procedures for this FHA insured loan. Moreover, CMS has assessed the applicable late fees in accordance with the terms and conditions of the Note and security instrument (Mortgage). Nevertheless, if you believe you have evidence of a payment that has not been properly accounted for, we invite you to provide whatever evidence you may have that such payment was properly madeIn the absence of any such evidence, we believe the record is clear that all payments handled appropriately. In light of our review, CMS respectfully declines your request to remove the outstanding late fees. Please be advised that CMS denies, generally and specifically, all claims and allegations of wrongdoing contained in your correspondence. Lastly, 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 (866) 874-5017, Monday through Friday, 8:AM to 5:PM, Pacific Time Sincerely, *** *** Customer Advocate CC: Revdex.com IMPORTANT DISCLOSURES -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, 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

I have attempted to pay my house payment on line However, Carrington's system keep stating the routing number is incorrect I called customer service twice and was told by both reps that they do have the number stored in their system, but to double check with *** ** *** to make sure nothing changed I have done that already and verified the routing number is correct Carrington will still not process the payment, but want me to pay a fee to make the payment over the phone I feel this is the root of the problem They have confirmed the routing number is in their system and that it is the same as the one I have entered The first representative said to call back once I verified no changes were made and the payment could be processed with out a fee However, this is not the case

My loan was recently transferred from *** to CarringtonOn Friday December 30, my escrow analysis was posted on my online account and showed an escrow shortage of $On Tuesday January 3, 2017, I called Carrington to pay the escrow shortage (to avoid the mortgage increase from $to $1701)The rep told me to process the payment online while on the phone with her, which I didShe then put in a request to have the fund put into the Escrow Acct and a new escrow analysis to be done; she informed me it would take daysI checked my acct two weeks later to see the funds were applied towards the principal on January 10, NOT the escrow acct as promisedI called Carrington on Friday January 20, 2017, the rep and supervisor said the transfer of funds and analysis would be complete by end of day Monday January 23, I called again, Tuesday January 24, 2017, spoke with the escalation department who then told me the funds would be transferred within hours and wit

I have gone on to there website to look at my principal on my loanI never received my statement for September for my mortgage statementBut then received a statement for October and realized that September statement was never receivedI called this company explained the situationAnd asked if they would waive the late fee due to the face that the September statement was never mailedThe told me that we cant do that due to the fact that it is not there faultBut I never agreed to paperlessThey claimed that when I logged online it signs the customer up for itI would have and did not sign up for paperlessI depend on the paper statements to come in the mail for my recordsI have been a loyal customer and always on time paymentsI tried to explain to them that there is a clinch in there websiteThey should not be allowed to automatically sign someone up for paperless This has cause me to have to pay a late for and will now show up on my credit report as a late

*** *** *** *** *** *** *** ** *** RE: Loan No.: ***
Complaint ID: *** Property Address: *** *** *** ***, *** ** *** Dear Mr***: The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) received in our office via email on October 4, 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 the complaint, you state that after your loan fell delinquent, CMS failed to promptly provide you with the required documents to access funds from your retirement plan. You also state that after your loan was referred to foreclosure you eventually received the requested information from CMS. You further claim that although you remitted the reinstatement funds to CMS through *** ***, CMS has been unable to locate your payment. Your complaint goes on to state that you were provided with the direct telephone numbers to CMS representatives; however, the CMS representatives did not have the answers you were seekingLastly, although you have paid the required funds to reinstate your loan from foreclosure, you continue to receive correspondence that your home is in foreclosure. As a result, you are requesting that a CMS manager contact you upon receipt of your funds and for your account to be properly credited. You also request that CMS correct any derogatory information that was reported to the credit reporting agencies At the outset, please note that the servicing of your loan was transferred from Chase to CMS on October 2, 2014. On October 6, 2014, CMS issued the attached Notice of Servicing Transfer (“Hello Letter”) notifying you of the service transfer to CMS. At the time of the service transfer your loan was contractually current and due for the October 1, mortgage payment in the amount of $873.90. A review of our records shows CMS received both your October 1, and November 1, mortgage payments in a timely fashion Our records show CMS received no payment from you during the month of December 2014. On January 5, 2015, CMS sent you the attached Notice of Intent to Foreclose (“NOI”) as your loan was contractually delinquent and due for the December 1, mortgage payment. The amount to cure the delinquency at that time was $1,701.34. Please note that the NOI provided thirty days within which to cure the delinquency On January 21, 2015, CMS approved your loan for an informal Repayment Plan (“RPP”) to assist you in bringing your loan current over a period of three months. The approved RPP required you to remit a payment in the amount of $by January 27, 2015, a second payment of $1,by February 27, 2015, and a third payment of $1,by March 27, 2015. Our records show CMS received your initial RPP payment of $on January 27, 2015. These funds were applied to your December 1, mortgage payment in the amount of $873.90, leaving your account due for the January 1, mortgage payment after the application of funds On February 25, 2015, you contacted CMS to advise that you would be unable to make the second RPP payment. You advised the CMS representative that you would attempt to make the second RPP payment by March 6, 2015, followed by the third RPP payment by March 27, 2015. Because your loan was contractually delinquent and due for the January 1, payment, CMS sent you the attached NOI on March 5, 2015. The amount to cure the delinquency at the time was $2,548.14. On March 18, 2015, CMS received funds from you in the amount of $2,700.00. That day, CMS applied those funds to the January 1, through March 1, 2015payments in the amount of $each. Of the remaining $217.68, CMS applied $to satisfy outstanding late charges, and $was applied to the principal balance. After the application of these funds your loan was contractually current and due for the April 1, mortgage payment CMS received your April 1, through June 1, mortgage payments in a timely fashion; however, CMS did not receive a payment from you in the month of July 2015. On August 2, 2015, CMS sent you a solicitation letter offering to review your loan for mortgage assistance. On August 6, 2015, CMS sent you the attached NOI as your loan was contractually delinquent and due for the July 1, mortgage payment. The amount to cure the delinquency at that time was $1, A further review of our records shows that you contacted CMS on August 11, to make repayment arrangements. The CMS representative that you spoke with offered to take your financial information to determine whether you would qualify for mortgage assistance. You declined to provide your financial information, and instead notified the CMS representative that you intended to make your July 1, payment of $by August 21, and your August 1, payment of $by September 4, 2015. You noted that your account would then be due for the September 1, mortgage payment after the application of these payments. On August 24, 2015, CMS received your July 1, mortgage payment of $827.44, leaving your loan due for the August 1, mortgage payment. On September 18, 2015, CMS received funds from you in the amount of $which were applied to your August 1, mortgage payment of $The remaining funds of $were placed in an unapplied status. After the application of these funds, your loan was contractually due for the September 1, payment Because your loan was contractually delinquent for the September 1, payment, CMS sent you the attached NOI on October 7, 2015. The amount to cure the delinquency at that time was $1,720.70, less the $that was held in unapplied status. On October 19, 2015, you contacted CMS to make a check by phone payment. Because CMS was holding $in an unapplied status, the CMS representative processed a check by phone payment in the amount of $805.50. Later that day, CMS reversed the $from unapplied status and together with funds received from you earlier that day; CMS applied $to your September 1, mortgage payment. After the application of these funds, your loan was contractually due for the October 1, mortgage payment On October 21, 2015, a CMS representative contacted you to inquire about your October 1, mortgage payment. Although you advised the CMS representative that you planned on making your mortgage payment by the end of that month, CMS received no such payment from you. On November 6, 2015, CMS sent you a NOI because your loan was contractually delinquent and due for the October 1, mortgage payment. The amount to cure the delinquency at that time was $1,747.76. Our records show that on November 13, you contacted CMS and made a check by phone payment in the amount of $827.44. Later that day, those funds were applied to your October 1, mortgage payment in the amount of $827.44. After the application of these funds, your loan was contractually due for the November 1, mortgage payment Because your loan was contractually delinquent for the November 1, payment, CMS sent you a NOI on December 8, 2015. The amount to cure the delinquency at that time was $1,772.82. On December 11, 2015, you contacted CMS and advised the CMS representative that you were in the process of obtaining a loan from your 401K and requested that CMS provide you a letter showing the delinquent amount due. On December 15, 2015, you contacted CMS that you intended to pay the total amount due upon receipt of the funds from your 401K. On December 17, CMS sent you the attached 401K letter showing the total amount due at that time was $1,794.76. Please note that this letter was sent to you within four business days of receiving your request Our records show that CMS received funds in the amount of $1,on December 31, which was sufficient to satisfy the loan delinquency. Because this payment was not accompanied with payment application instructions, the funds were applied to your November 1, and December 1, mortgage payments in the amount of $each. The remaining $was applied to the outstanding late charges in the amount of $and $was applied to your escrow account. After the application of these funds, your loan was contractually current and showing due for the January 1, mortgage payment On February 2, 2016, CMS sent you another solicitation letter offering to review your loan for mortgage assistance. On February 3, 2016, you contacted CMS to request another letter to send to your 401K. As you requested, on February 5, 2016, CMS sent you the attached 401K letter showing the amount due at that time was $1,685.06. Please note that this new letter was sent to you within two business days of receiving your request Because the loan was contractually delinquent for the January 1, mortgage payment, CMS sent you a new NOI on February 6, 2016. The amount to cure the delinquency at that time was $1,685.06. On February 16, 2016, CMS contacted you in an attempt to make payment arrangements for your January 1, payment. You advised the CMS representative that you had received the 401K letter and were just waiting to hear back from the 401K administrator. CMS contacted you again on February 18, 2016, at which time you advised the CMS representative that you had not yet received a response regarding your request to withdraw funds from your 401K Our records show that on March 2, you contacted CMS to make a check by phone payment in the amount of $1,746.00. Later that day, these funds were applied to your January 1, and February 1, mortgage payments in the amount of $each and the remaining $was placed in unapplied. After the application of these funds, your loan was contractually due for the March 1, payment On April 4, you contacted CMS to make a check by phone payment in the amount of $831.56. Later that same day, CMS applied these funds to your March 1, mortgage payment in the amount of $831.56. On April 29, 2016, you contacted CMS to make another check by phone payment in the amount of $836.44. Later that day, CMS reversed the $from unapplied and together with funds received from you earlier that day, applied the funds to your April 1, mortgage payment in the amount of $831.56. The remaining $was then applied to the outstanding late charges. After the application of these funds, your loan was contractually current and due for the May 1, payment Please note that CMS received no payments from you during the month of May 2016. On June 7, 2016, CMS sent you the attached NOI as the loan was contractually delinquent for the May 1, mortgage payment. The amount to cure the delinquency was $1,685.06. On June 28, 2016, CMS contacted you to attempt to collect the May 1, and June 1, mortgage payments. You advised the CMS representative that you would be contacting CMS on July 1, to request another 401K letter. On July 6, 2016, CMS contacted you in an attempt to make payment arrangements. During this phone conversation, you advised the CMS representative that you were in the process of applying for a 401K loan and needed a 401K letter from CMS in order to do so. On or about July 28, 2016, CMS sent you the attached 401K letter showing the amount due at that time was $2,850.50. On August 5, 2016, you advised the CMS representative that you had just received the 401K letter earlier that day. You also informed the CMS representative that you would complete the 401K loan application and hoped to have the loan within two days of submitting your application. Due to the ongoing delinquency, your loan was reviewed and approved for foreclosure on August 22, 2016. The loan was contractually delinquent and due for the May 1, mortgage payment at the time of the foreclosure referral. On August 23, 2016, you contacted CMS and explained that you had previously requested a 401K letter, but you received a letter that contained duplicate information. You informed the CMS representative that you required an updated 401K letter which reflected the total amount need to bring your loan current. You requested that the 401K letter be sent via email to ***. The CMS representative forwarded your request directly to a CMS supervisor. The CMS supervisor requested to have an Account Reinstatement Notification generated and sent to you as quickly as possible. On August 24, 2016, the CMS supervisor contacted you to inform that a request had been submitted to provide you with the amount to reinstate your loan from foreclosure. On August 29, 2016, CMS sent you the attached Account Reinstatement Notification in the amount of $4,good through September 28, 2016. On September 15, 2016, you contacted CMS to obtain wiring instructions in order to bring your account current. The CMS representative encouraged you to send certified funds to CMS via the United States Postal Service, *** *** or through ***. You advised the CMS representative that you would be wiring a payment to CMS via *** ***. Later that day you contacted CMS to advise that you had just sent reinstatement funds through *** *** in the amount of $4,323.06. During the conversation you provided the CMS representative with the money transfer control number of ***. The CMS representative encouraged you to call back within twenty-four hours to confirm CMS was in receipt of your funds Our records show that you contacted CMS on September 21, to confirm if CMS had received and applied the reinstatement funds to your loan. The CMS representative confirmed that your account was still delinquent. The following day, the Cashiering Department confirmed that there was no record of receiving funds in the amount of $4,323.06. Later that day, a CMS representative advised you that CMS did not have a record of receiving your funds and requested that you fax a copy of your *** *** receipt to CMS for further research. You advised the CMS representative that you did not have access to fax; however, you would be able to send your receipt to CMS via email. On October 3, 2016, CMS confirmed that your funds were at *** ***. The CMS representative advised that according to *** *** you selected the wrong payment option and therefore, your funds were never remitted to CMS. On October 13, 2016, the CMS manager contacted you to inform you that CMS would honor the original reinstatement amount of $4,323.06. The CMS manager provided you with wiring instructions and encouraged you to contact him directly with the confirmation number so he could inform the Cashiering Department to expect your funds. On October 14, 2016, the CMS manager received your email showing that you had sent $4,to CMS via *** ***. Upon receipt of your email, the CMS manager contacted you and informed you that he had received your email. On October 17, 2016, CMS applied the funds to your May 1, through September 1, mortgage payments, in the amount of $each, effective September 15, (the day you originally attempted to wire the funds to CMS). The remaining $was placed in unapplied status. After the application of these funds, your loan was brought contractually current and showing due for the October 1, mortgage payment in the amount of $831.56. Please be advised that CMS is unable to remove derogatory credit reporting from your loan as your loan was in fact delinquent for the months of May, June, July, and August 2016. Please note that CMS suppresses the credit reporting for the months of September and October Finally, a review of the telephone call recordings shows that multiple CMS representatives were professional and polite to you while working to assist you with your needs and that your telephone calls were properly escalated when requested. Nevertheless, we sincerely apologize if the level of customer service you received from CMS did not meet your expectations Based upon the foregoing, our investigation concludes that CMS promptly provided you with information you requested including 401k letters on multiple occasionsWith regard to the *** *** funds, CMS was not responsible for any remittance issues that you may have experienced with *** *** as mentioned above. Nevertheless, solely as an expression of our commitment to the highest standards of customer satisfaction, CMS agreed to honor the reinstatement amount in order to bring your account current. In addition, CMS suppressed credit reporting for sixty days during the investigation. Should you have any further questions or concerns regarding any aspect of your loan, we encourage you to contact CMS’s Customer Service Department at *** *** 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 Tell us why here

They allowed us to determine the closing location and time

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.To date, they are still determined to provide wrong information and practice bad ethicsFor example, until yesterday, March 2, 2016, the *** ISD taxes were unpaid and I was getting letter demands for paymentThe same for Mud # special taxesThey would still be unpaid if I had been pushing Carrington to return my calls and make the paymentsAs for the trouble with the payments, I spoke to a supervisor named Jeff, who wouldn't give me more identification, and his manager, Tim, after phone callsAs I explained to them, the easiest and only method for me to pay is through onlineI budget as needed, and I do not give money away to a businessThe first time that I experienced the online dilemma I did not fight the result, merely paid the late feesI only am fighting the report to the Credit bureau companiesThis is all that I was asking as a result of thisI have never been late until the account was sold to CarringtonAs noted, the second time they went back and forth when I couldn't resolve the payment onlineYour compliance, as I found out, was to make more money instead of trying to helpThe agents kept trying to charge me $to make the payment over the phoneI am a retired High School principal and I also a Marine that served in VietnamI will research and see what I can do to alleviate this matter since you will Not drop the late reportRemember, I'd never been late in more than yearsWhy would anyone be frustrated when dealing with such behavior?
Regards,
*** ***

I want to file a complaint with the Revdex.com of Anaheim however I see that 96% of the customer review ratings have been negative and the company has an A+ rating This is amazing
My mortgage loan was sold to Carrington Mortgage Service LLC in 9/ It was not a smooth transition however I hoped for the best By October I saw that there was no best I paid my loan off in October I was with Carrington Mortgage for approximately days before my loan was paid off From that time till now 1/I have not received the release of lien to the county office where property is recorded I still show on records that I owe a loan I have a letter from Carrington Mortgage Service stating my loan is paid in full and a statement showing owed zero balance The county records do not show this I can not sell the property with out the proper paperwork being filed and the documentation showing that I own said property
Revdex.com you give this company an A+ rating with the complaints outlining inside this company there is a serious problem and as long as you hold them to no standard the issues will not be corrected
Wrong is Wrong and you think there is no harm but that is not the case
My experience is negative and this is just an FYI I am years old and this should not be acceptable for this company to function in this capacity
There is a ripple effect in life, it is real and not made up or imaginary Send out very negative and wrong what do you suppose will return
I can see that I will need to research the Attorney General for complaints but an old lady must do what an old lady has to do

#WORST CUSTOMER SERVICE EVER!!!
If I could leave a score of no stars I wouldI recently had a claim on my property and the insurance company had finally issued a check to me to resolve the issue but low and behold the check is also issued to Carrington MortgageIt initially took minutes to call in and find out they I needed to send the check to them so they could endorse the check and send it back to me and that I had to file a claim with them???? So now I run the risk of allowing further damage to the residence because of them delaying the process....Why are they getting involved with my insurance that they don't pay for????
I was advised they would email the claim form to me and it would be received within 2-minutesGee whizhours later I have to call them back and minutes later to find out that when I spelled my email address they still didn't enter in correctlyI had to provde a secondary email address to ensure that I finally received the documentation
I want to apologize for all other customers that were patiently waiting for one of the customer service representatives to assist them while what should have been a simple matter took way to long to complete Hopefully I wont be experiencing the same issue as Ellie from the 8/post but I wont hold my breath

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
In response to your letter concerning the partial release request, I strongly disagree that you feel the company did not act in an unprofessional manorReasons listed belowOriginal paper work was submitted on Oct 20, and I was told it could take up to days and to mark urgent which was done Paper work faxed again Nov and Nov 20, 2015, and no response I called at least once or twice a week until mid-Decand was then told it could take months I heard nothing of status and continued to call every week or so and still no comment In March I had all I could take and filed complaint with Revdex.comAbout days after that was the first call I had received since the initial request sent on Oct 20, I do not believe month time lapse before responding to a client request is professionalAt that time in March was when I was told that a partial release would also be needed, prior to that everything that was faxed in is what I was told needed to be faxed inYou state my lawyer was contacted in January and told you he no longer represented me in this matterI did not know about that call and get your facts straight, he was never my lawyerHe was handling the closing of the home next door to me for the sellerI conveyed all this info from day to your companySince your company did not respond, buyers agreed to buy the home anyway, only after a section of the concrete driveway that was on my property was cut, making a mess of their driveway and my yard, so the attorney that initially faxed the paper work in was no longer retained to handle your lack of action on my requestAlso I was told from day one the area that handles this has no incoming phone lines or emailThe only way to contact them is by faxThat is just absolutely absurdA lot of this could have been avoided had I been able to talk to them directlyBottom line, it should not take months and a complaint to the Revdex.com to get a little over sqftof dirt released on a lean
Regards,
*** ***

I recently refinanced my mortgage through Carrington MortgageI was initially told that my closing would be in March and I would have a partial payment in March and no payment in AprilI was rushed to close on February 28th and had to reschedule my day to do soA notary came to my home to complete the paperworkI was informed I would receive approximately $back due to closing in February and the first payment would be in AprilI signed paperwork stating thisI was later told I would not receive this refund due to my loan not closing in FebruaryThe notary had to mail the paperworkThis was not my fault as both my husband and I rearranged our day to meet with him to sign the paperworkCarrington knew when they would receive the paperwork when they requested to meet with us on the 28thMy husband spoke with *** *** and his supervisor, *** ***, regarding the issue on 3/6/*** was supposed to call him back the following day and we have yet to hear back from him

Very pleasant experienceEverything was addressed quickly

Carrington Mortgage goes above and beyond to be the most horrible mortgage lender and servicer possibleFrom outdated websites that are really good at charging you twice with a refund taking up to weeks, to dropping the ball numerous times delaying refinancing and using sketchy notary services they have it allIf I could refinance without paying points and closing costs I would drop Carrington as soon as possibleUnfortunately Chase sold my loan to them and I'm stuckIf you enjoy being harassed monthly by debt collectors, because that's what they really are, than this is the servicer for you! I think the TSA is the only organization I hate more than Carrington