Carrington Mortgage Services LLC

May 12, *** *** *** *** *** *** *** ** *** RE: 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”) received in our office via email on April 28, 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 Please be advised that after thoroughly researching our records, CMS has confirmed that you are not a party that has applied for loan financing with CMS as CMS is not in receipt of a loan application identifying you as a potential borrower. Consequently, CMS is unable to provide you with any non-public personal information required to respond to the issues you have raised within your complaint. Nevertheless, in regard to the alleged poor customer service and lack of communication you believe the loan applicant received from CMS, an investigation concerning your allegations will be conducted by CMS and CMS will take whatever action necessary in light of our findings. We sincerely apologize if you felt the level of service provided by CMS did not meet the loan applicant’s expectations If the applicant wishes to address concerns directly to CMS, we would be happy to review those concerns and provide a response We trust that this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Eastern Time Sincerely, *** *** Customer Advocate CC: Revdex.com

This place is the absolute biggest jokeMy closing date on my house has been pushed back for weeks and counting now b3cause they won't send me the CD I need to sign for closingDo not go through them it's nothing but a hassle with these lazy people

November 6, *** *** *** *** *** *** ***, PA RE: Complaint ID: *** Loan No.: *** Primary Borrower of Record: *** *** Co-Borrower of Record: *** *** Property Address: *** *** *** ***, ***, ** Dear Ms***: The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your rebuttal to our response to a complaint (the “Rebuttal”) filed with the Revdex.com (“Revdex.com”), and received in our office via email on October 30, 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 Rebuttal, you express concerns with what you claim is inaccurate information being displayed on the CMS website, and also claim that the CMS representative you spoke with was not able to provide you an acceptable explanation and resolution to your concerns. Additionally, you claim that CMS is still showing an incorrect property address and loan type on the CMS website. You go on to say that you sent the prior servicer documentation that shows you have been divorced from *** *** for two years, and also claim that Mr*** “holds zero responsibility to this loan”. In addition, you request that billing statements be sent to you, and also request a payment history with a breakdown of the application of the principal and interest for the payments you have made to CMS since the service transfer. 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 were not pleased with the outcome, the complaint was investigated fairly and we believe it was resolved appropriately. Nevertheless, as an expression of our commitment to the highest standards of customer satisfaction, we would like to take this opportunity to clarify our response and address any outstanding concerns in this matter. As previously mentioned in our prior response, CMS was in the process of completing its post-transfer review on your loan. As of the date of this correspondence, the post transfer review was completed, and as a result, CMS updated the loan type and property address on the CMS Loan Servicing System and CMS website to match your loan documents. Specifically, CMS corrected the loan type from first mortgage to second mortgage, and corrected the city portion of the property address from “***” to “***”. Below for your ease of reference is a copy of the CMS website loan detail screen. In addition, CMS has updated your loan to ensure that monthly billing statements are being sent to you. Attached for your ease of reference are copies of the billing statements sent to you on October 30, 2017, and November 1, 2017. Additionally, your billing statements can be viewed and/or downloaded from the CMS website. Please note that the October 30, 2017, billing statement shows a detailed breakdown of the payments received by CMS and applied to your loan on August 22, 2017, September 28, 2017, and October 23, 2017. Additionally, attached for your ease of reference is a payment history that shows a detailed breakdown of payments received from you and applied to your loan from November 3, to October 23, As mentioned in our prior response, Mr*** is no longer personally liable to repay the discharged debt. However, because his name is on the original loan documents, CMS is unable to remove his name from the loan record on our CMS Loan Servicing System. We regret that you have been dissatisfied with the service provided by CMS, and acknowledge that CMS missed opportunities to provide you with a more timely response and resolution to your concerns regarding both the loan information on the CMS website, and your request for billing statements. We would like to thank you once again for bringing this matter to our attention and allowing us the opportunity to resolve your concernsAs always, please remember that CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaint We again respectfully suggest that all of the concerns noted in the complaint have been fully addressedIf 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 IMPORTANT DISCLOSURES -VERBAL INQUIRIES & COMPLAINTS- For verbal inquiries and complaints about your mortgage loan, please contact the Customer Service Department for Carrington Mortgage Services, LLC, at *** between 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at https://carringtonms.com/ -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at (*** *** or toll-free TDD *** ***, or by going to 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 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, QUALIFIED WRITTEN REQUESTS (QWR)- Written complaints and inquiries classified as Notices of Error and Information Requests or QWRs must be submitted to Carrington Mortgage Services, LLC by fax to ***, or in writing to Carrington Mortgage Services, LLC, and Attention: Customer Service, P.OBox ***, Westfield, IN 46074. Please include your loan number on all pages of the correspondence. You have the right to request documents we relied upon in reaching our determination. You may request such documents or receive further assistance by contacting the Customer Service Department for Carrington Mortgage Services, LLC toll free at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern TimeYou may also visit our website at https://carringtonms.com/

On the phone with a rep right nowMy credit score has gone from to as of todayIt was when I checked it last nightI've had nothing but problems since your business bought my loan from Bank of AmericaI'm on SSI and have done my best to make payments on time and keep my credit report in good standing.Talking to this rep right now, he said I was called times and sent a letterThey can not send me prove that this was done, because I need a court orderThey said I had a late payment in August, but can not send me ANY PROOFYou are worst company I've ever dealt with, but I guess you already knowMichael, the rep I was talking to said "you're not going to receive the same level of customer service as you did with Bank of AmericaWe are not a bank and are only here to collect a debtYou are more than welcome to write a complaint." Then he gave me the address to a PO Box in Indiana

Carrington bought my mortgage from *** in November, and I have called them at least times at about minutes per call, sent faxes, and contacted them through USPS
I was told it would be days before it would be reported to credit agencies, but it took days This negatively impacted my credit score
My monthly payment increased by $because Carrington decided that two months' mortgage - instead of the usual one - is now required for escrow
I was charged $for an unauthorized appraisal
Although I canceled my auto draft the week before the due date and paid my mortgage online for February, my auto draft bank account was still charged; additionally, I was penalized with a $non-sufficient funds fee I was told that my new auto draft account would be active in March, but the old (now closed) account was charged on March 1, and yet another $NSF fee was accrued to my payment
As a result, I can no longer use the auto-draft, online payment

I went through a mortgage loan modification with Carrington Mortgage ServicesThe process took months to final and I have been paying the new finace payment for monts nowI have received two packages in the mail stating I am past due and in default and will be in foreclosure for not paying the originlal loan paymentI called on both occations and am told that it is a computer generated letter that they have no control overThese notices are very disturbing to getWith just a verbal "It's okay" is not satifactory

I get roughly calls a month stating my payment is late before my due dateNo voicemail messages are left and calls are done by a robo call systemI called them back one time and they stated it was late reminder message even though no voicemail nor email is sent It's becoming harassment

THE WORST COMPANY EVER!!!!! Revdex.com they are NOT an A+ company! They have put their customers over a barrel when it comes to making paymentsThey charge $to make an online payment! You HAVE to do automatic payments, oh & to make a payment over the phone $20! RIDICULOUS! I want to pay an escrow shortage & they don't include a payment voucher, because they don't really want you to pay itI have to mail in a check (because I refuse to pay the $phone fee & if I wanted to pay the $fee to pay online I couldn't) & then wait until I see the funds have come out of my account, THEN I have to call them back & have another escrow analysis ran! You would think that when someone pays the shortage they would automatically rerun the escrow analysisHappy customers is not their goal! Chase had our loan before & I miss them terribly! (I am only giving them star because I have to to submit my reviewI give them NO stars!)

Ben B*** and Thai D*** were an amazing team at Carrington ms in Anaheim, CaliforniaThey worked quickly to get us a cash out refinanceThey kept us well informed throughout the whole processAny questions I had they answered quicklyI appreciate these two very much and would do it all over againThanks Carrington for sending us these twoIt was an amazing learning experience

I am trying to pay my mortgage off early, Carrington is making it impossible for me to do so When I see my monthly payments has been received I later send in extra payments to be applied to my principle, however when Carrington receives the payments it's either placed in an unapplied fund, applied to the previous months or treated as a partial payments This is Carrington's way to continue collecting money for the interest On numerous occasions I talked with the Customer Service Representative, *** ***, ID # ***, she told me not to talk with anyone other than her, she would get my problems resolved Now when I call Ms*** refuse to talk to me and will not return any of my calls Ms*** told a representative, *** to tell me the problems has been resolved I told him the problems has not been resolved *** said he would have his supervisor, *** to call me It's been over a week *** has not call me The representative on April 8, said, she

Terrible businessOur mortgage was sold to carrington and it has been terribleDo not use them for your mortgage needs

How can Carrington Mortgage Services have an A+ rating when 96% of custumer review are Negative? Can Revdex.com answer this question for me?
Bank of America, whom, I've never had a problem with, sold my mortgage to them and I have had problems with this company since from the first month since Carrington took over my mortgageI have two homes and have had other mortgage company's in the pastCarrington Mortgage Services is by far the worst!!!

May 11,
ORIGINAL SENT VIA REGULAR MAIL
*** ** *** *** *** *** *** ** ***
RE: Loan No.: ***
Case No.: ***
Primary Borrower: *** ** ***
Property Address: *** *** *** *** ** ***
Dear Ms***:
The Customer
Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding the above referenced loan received in our office via e-mail on April 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 your inquiry
As we understand the complaint, you allege that your loan was recently sold from *** ** ***, N.A(“***”) to CMS and that you did not receive any notification from CMS about the saleYou go on to say that the only notification you received was from *** on March 12, informing you that your loan would be sold in April and that all payments after the sale needed to be sent to CMSAdditionally, you state that as of April 11, you had not received any correspondence from CMS regarding the service transfer or any details on how to make your mortgage paymentConsequently, you proceeded to call CMS and were advised by a CMS representative that the Customer Service Department was not openDuring your phone call, you allege that the CMS representative asked for your phone number and promised to return your callAfter your phone call, you state that you sent an e-mail to CMS asking for your new loan numberLastly, you allege that you never received a call back or a reply to your e-mail and were unable to reach anyone at CMSUltimately, you state that you wish to avoid any late fees and negative credit reporting and that you want to understand why CMS states it is a debt collector
At the outset, please note that the servicing of your loan was transferred from (“***”) to CMS on or about April 2, At the time of the service transfer your loan was contractually current and due for the April 1, payment
Based on a review of your loan, please be advised that CMS sent you a Notice of Servicing Transfer (“Hello Letter”) on April 6, The Hello Letter was sent to your home address at *** *** *** *** ** ***For your reference, a copy of the Hello Letter is attached hereto as Exhibit “A”The purpose of the Hello Letter was to advise you that CMS would start collecting your mortgage loan payments effective April 2, and to advise you that your prior servicer, ***, would no longer accept payments received from you after April 1,
Additionally, the Hello Letter made you aware that, pursuant to federal law, CMS would not assess any type of late fee or report any delinquency for the first sixty (60) days following the effective date of transferAlso included in the Hello Letter was the address to submit the monthly mortgage payments, the address to our Customer Service Department, and the phone number to our Customer Service DepartmentLastly, the Hello Letter also enumerated the various methods available to you for making a payment and it included the processing fee for each method (if applicable), instructions on how to complete your payment, and instructions on how to create your online account on CMS’s website
Subsequently, CMS sent you a Notice of Sale of Ownership of Mortgage Loan (“NSOML”) on April 9, The NSOML was also sent to your home address at *** *** *** *** ** ***For your reference, a copy of the NSOML is attached hereto as Exhibit “B”The purpose of the NSOML was to advise you, as required by federal law, that ownership of the mortgage loan had been sold, transferred or assigned to a new creditorMoreover, the NSOML confirmed that your loan was sold on April 2, and that your new creditor was CMS
Furthermore, the NSOML reminded you that your new servicer was CMS and provided you with a contact number and a scope of responsibilities that CMS would handleLikewise, you were made aware that CMS would handle the ongoing administration of your loan which would include receipt and processing of payments, resolution of payment-related issues, and answering any other inquires you may have regarding your loanAdditionally, the NSOML further explained that the transfer of the lien associated with your loan would be recorded in the public records of the local County Recorder’s office for the county or local jurisdiction where your property is located
We acknowledge that, during the period immediately after the transfer of the loans from ***, CMS experienced an unusually high volume of callsConsequently, although CMS strives to answer all customer calls promptly, customers calling CMS may have occasionally experienced infrequent hold periods longer than we prefer while waiting to speak with a CMS representativePlease know that CMS did everything in its possession to speak with all customers and answer as many calls as possible within a reasonable timeframeNevertheless, CMS understands your frustration and we sincerely apologize for any inconvenience you may have experiencedAdditionally, we believe that the underlying causes for the delays have been resolved and it is unlikely that you will experience similar wait times going forwardOnce again, CMS sincerely apologizes for any inconveniences you may have experienced and we will continue to improve on our services in order to offer a better experience for all of our customers
It is also important to note that our records do indicate receipt of your online payment made on April 13, in the amount of $1,and that it was applied to your April 1, paymentLikewise, if you would like to view your recent payment activity or download a copy of your most recent billing statement, CMS encourages you to visit your online account by accessing our website at https://carringtonms.comAs a courtesy, please remember that by logging in to your online account you will be able to view your monthly mortgage statements more quickly than waiting for a physical copy to arrive in the mail
Lastly, to comply with federal law, CMS provides all customers with a disclaimer confirming our status as a debt collectorPlease understand that CMS’s intent when providing you with the disclaimer is not to make any statement regarding the status of your account, but is instead intended to protect you, as our customer, by notifying you that any information you discuss with our office might be used to collect a debt in the event your account were to become delinquentIn other words, CMS provides you with the disclaimer out of an abundance of caution and with the objective of helping you to protect your rights as a consumerIf you wish to have a better understanding of debt collection and your rights as a consumer, CMS encourages you to visit the consumer webpage of the Federal Trade Commission website at http://www.consumer.ftc.gov/
As always, CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you wish to contact CMS you may do so by calling our Customer Service Department at (800)561-4567, Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can also send written correspondence including inquiries and complaints about your mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, P.OBox 54285, Irvine, CA or fax your correspondence to (800)486-Lastly, if you wish to learn more about the additional services available at CMS please visit our website at https://carringtonms.com to obtain that information
We trust that this communication addresses all of the concerns noted in your complaintIf you have any further questions, please contact the undersigned at ***, Monday through Friday, from 8:00AM to 5:00PM, Pacific Time
Sincerely,
*** ** ***
Customer Advocate
CC: Revdex.com
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at carringtonms.com
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-EQUAL CREDIT OPPORTUNITY ACT NOTICE-
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC
-SCRA DISCLOSURE-
MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** *** * ***

My loan was sold to them and I got the notification on January and my loan payment was due on Feb 1st and I called them to make a payment and they said that they hadnt gotten the info yet to let me make a payment and they would send out a letter with the information, I still hadnt gotten by the 13th of feb so I called them back and they said everything was OK and that I wouldn't be charged a late fee I got the info on the 16th and went on the website to make a payment and set up payments and it had the late fee added I contact them and they claimed the would give me a one time late fee waiver since I was a valued customer Move ahead two months, I get a notification that now if you pay online you will have to pay a dollar service charge unless you sign up for automatic withdrawl I know its not much but I actually preferred chase to these jerks and chase is considered one of the worst companies in America How on earth are they A+ rated????

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

*** *** *** *** *** ** *** * RE: Loan No.: *** Borrower: *** *** *** Property Address: *** *** ***, *** ** *** Case No.: ***Dear Ms***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of a complaint regarding the above-referenced loan received in our office via email onJune 10, 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.As you are aware, our Customer Advocacy Department originally received an inquiry from theRevdex.com ("Revdex.com") on May 20, which raises the same issues as thiscomplaintAccordingly, the loan was researched and a response was sent to you by CMS with acopy to the Revdex.com on June 9, 2015, a copy of which is included here for your ease of reference.Please note that while the June 9, response provided you with supporting loan documents,CMS is not attaching another set of the same supporting documents in an effort to avoidunnecessary duplication of efforts.As we understand, you have reviewed the June 9, response that was sent to you by CMSand you have again expressed your dissatisfaction that CMS is collecting an escrow cushionequal to one-sixth of the annual escrowed items.After a thorough review of your most recent correspondence, CMS is unable to identify any newissues that have not been previously addressed in detail by CMS as this most recentcorrespondence appears to be substantially similar to correspondence previously addressed byCMSAccordingly, no further response from CMS is requiredMoreover, because we havenow addressed these issues on multiple occasions, CMS will not respond to futurecorrespondence raising substantially the same or identical claims.Finally, if you are experiencing financial difficulty in paying your monthly contractual payment,we encourage you to apply for mortgage assistance with CMSYou may visit CMS's publiclyavailablewebsite online at https://carringtonms.cornlhardship to learn more about the programoptions and to upload the required documents electronicallyYour complete loan modificationapplication package may be sent to CMS via fax at *** *** or via email at***.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at *** ***, Monday throughFriday, 8:00AM to 5:00PM, Eastern Time.Sincerely *** ***Customer AdvocateCC: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I refuse to accept this response as CMS has been unprofessional in their customer service, poor in their record keeping of payments and unassigned funds The one and only accurate part of their letter is the amount of times I have called and yes become unprofessional! I will not deny that I have escalated my temper however it is in response to the horrible customer service, unprofessional attitude and utter disaster that CMS employees are Please read the comments on the Revdex.com website to confirm all of what is being said The customer service is horrible One rep doesn't know what the other is doing and as a result, payments are not acknowledged or if they are they are reported incorrectly What they have failed to do was include how many times I called and they did acknowledge my unassigned funds or said they aren't authorized to do anything with it The funds have been there they don't apply them as they should be This company may respond to the Revdex.com complaints but they are NOT resolving the issuesAnd yet they still have a high rating?! They obviously won't do anything to satisfy the needs of the customerNor are they attempting to take any responsibility for their errors! Something is not right here I take responsibility for my attitude with their incompetent staff but I will not take responsibility for their staff, poor bookkeeping or improper reporting Please read the comments on the Revdex.com website and you will see that I am not alone in my disgust
Regards,
*** ***

Carrington Mortgage Services got our loan thru a computer system I belive its abbrivated as MERSAlso they have gone out of there way to keep telling me my documents for a loan modification arent correctNo matter whay angle I go to try and stop my foreclosure they have reasons they can'tI cannot get a single point of contact with anyone in the companyThey don't call out to anyone for missing infoThey refuse any paymentsI looked at getting help and were informed we have the right to file a federal complaint, for how they obtained the loan and how they are handling the loan modificationwe have never had a modification and our debt to income ratio is goodHowever they are pushing us to the point where we lose the house before they will approve the loan modificationI feel they are be untruthfulThey put all blame on us, and have put us off so long we now owe over 6,and they know we dont have that just sitting in our bankThey will not work out payment arrangements

Dear Mrand 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 abovereferenced loan received in our office via email on September 8, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry.As you are aware, our Customer Advocacy Department originally received a complaint from you via the Pennsylvania Department of Banking and Securities on July 14, and another complaint from you via the Revdex.com on July 23, 2015, both of which raised the same issues as this most recent complaintAccordingly, the loan application process was researched and responses to your complaints were sent to you by CMS on August 6, 2015.On August 10, 2015, CMS received a new complaint from you via the Revdex.com which also raised some of the some concerns that you raised within the above referenced complaintsWhile CMS notified you that CMS would not respond to the issues that CMS has previously addressed in detail within the August 6, responses, CMS addressed each new issue that you raised within the August 10, complaint to the fullest extent possible.On August 27, 2015, CMS issued you the attached response addressing each new issue that you raised within the August 10, complaintCopies of those responses are included here for your ease of referencePlease note that while the above referenced complaint responses provided you with nearly seventy (70) pages of loan documents to support CMS’s responses to you, CMS is not providing you with another copy of these documents in an effort to avoid unnecessary duplication of effortsIn addition, CMS will not respond to the issues that CMS has previously addressed in detail within the prior complaint responses; however, CMS will address each new issue that you have raised to the fullest extent possible.As we understand your most recent complaint, you state that you have reviewed CMS’s August 27, complaint response and need additional information from CMSSpecifically, you claim that CMS provided you with an incorrect down payment amount of 3.5% when the correct amount of the down payment for the Non-Arm’s Length transaction should have been equal to 15% because you lived in the property that you were trying to purchase from your grandmother.Please be advised that there are specific rules for the Federal Housing Administration (“FHA") loan that you applied for surrounding the Non-Arm’s Length Transaction also known as an Identity of Interest Transaction (“IIT")FHA defines an IIT as “a transaction for the purchase of a principal residence between parties with a familial or business relationship or business affiliates.” HUD 9.1.i, Glossary of Handbook Terms: I.Please be advised that FHA allows for exceptions to the 15% down payment requirement which includes instances where a family member purchases another family member's home as a principal residence and instances where a current tenant, including a family member tenant, purchases the property where he/she has rented for at least six months immediately predating the sales contract which CMS believed you qualified forHowever, because CMS identified that there were Debt to Income (“DTI”) ratio issues that that prevented CMS from providing you with loan financing, whether you might have qualified for the down payment exceptions was ultimately immaterial.Again, it is clear that that based upon your specific financial circumstances at the time that your finance request was processed, the ultimate outcome at this stage would have been the same regardless of any further discussions surrounding the down payment requirement.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,*** ***Customer Advocate

Carrington Mortgage loss drafts dept has been awful to deal withover a month ago I sent in the final check made out to myself and Carrington mortgage for some damage to my home that was covered by insuranceall repairs had been made and inspected by a Carrington mortgage inspector prior to me sending in the check yet they still have not sent the check back to meI am not behind in my mortgage payments or anything along those linesCarrington Mortgage is holding $and i'm not a happy customer