Sign in

Carrington Mortgage Services LLC

Sharing is caring! Have something to share about Carrington Mortgage Services LLC? Use RevDex to write a review
Reviews Real Estate, Real Estate Agent, Mortgage Broker Carrington Mortgage Services LLC

Carrington Mortgage Services LLC Reviews (1449)

October 3, Original response sent via regular mail *** *** *** *** *** ***, ** *** RE: Loan
No.: *** File No.: *** Borrower: *** *** Property Address: *** *** ***t, ***, ** *** 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 September 12, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in your inquiry As we understand your complaint, you claim that in June of you made a payment to CMS which brought your loan currentNotwithstanding your loan being brought current, you allege that CMS locked your online account which prevented you from processing your payments online and via the pay-by-phone optionAs a result, you feel that CMS’s actions in servicing your account are improper with the intent of initiating a foreclosure against the propertyConsequently, your desired resolution is for CMS to unlock your account, to allow you the ability to make payments online and over the phone, and to correctly apply all of your payments towards your loan As a preliminary matter, please accept this correspondence as confirmation that CMS does not engage in any type of illegal activity of predatory practicesSpecifically, please know that CMS strives to meet the highest standards of customer satisfaction, abides by all applicable federal and state laws, and does not discriminate against consumers in any protected class With regard to your payment, our records indicate that on June 30, CMS received a payment from you in the amount of $3,At the time that CMS received your payment, your loan was contractually due for the May 1, and June 1, mortgage payments in the amount of $3,along with a late fee balance in the amount of $That same day, CMS applied $1,towards your May 1, mortgage payment and the remainder, $1,625.36, towards your unapplied funds credit balanceRegrettably, due to an inadvertent clerical error, our Cashiering Department failed to credit your June 1, mortgage payment and the outstanding late fee balance with your unapplied funds credit balanceCMS sincerely apologizes for this inadvertent clerical error and for any inconvenience you may have experienced as a result On July 5, 2016, you called CMS to inquire why we had failed to credit your June 1, mortgage payment with the funds from your unapplied funds credit balanceDuring this phone conversation, the CMS representative acknowledged your concern and confirmed that we would escalate your request to the appropriate business unit Thereafter, on July 11, 2016, you called CMS to inquire if we had applied your June 1, mortgage payment as you had previously requested during your July 5, phone callThe CMS representative proceeded to confirm that our Cashiering Department would credit your payment and that our office would also perform any necessary corrective action to ensure that your credit report would not be adversely impacted due to CMS’s inadvertent clerical error On July 15, 2016, you again called CMS to inquire if we had applied your June 1, mortgage paymentDuring this phone conversation, the CMS representative confirmed that our Cashiering Department was still working on your request and reassured you that your payment would be applied to your accountWe note that during this call, you advised the representative of your intent to make your July 1, mortgage payment and that the representative offered to process your payment and waive the pay-by-phone feeNotwithstanding the representative’s offer to waive the pay-by-phone fee, our records indicate that you elected to reject the offer and wait until CMS applied your June 1, mortgage payment before authorizing your July 1, mortgage payment On July 18, 2016, CMS applied your unapplied funds credit balance to your June 1, mortgage payment in the amount of $1,and to your late fee balance in the amount of $with a payment effective date of June 30, That same day, CMS also made certain that your credit report would not be adversely impacted by a thirty (30) day delinquency for the June 1, mortgage payment We would like to take this opportunity to remind you that all of your mortgage payments are due on the first (1st) day of each month, and are considered late as of the second (2nd) day of the monthIf the payment is not received by CMS on or before the sixteenth (16th) day of the month, a late fee will be assessed to your accountAlso, any payment received by CMS after the month in which the payment became due may be reported to the credit reporting agencies as delinquent As it pertains to your concern that CMS locked your online account which prevented you from processing your payments online and via the pay-by-phone option, please understand that anytime that your loan becomes over thirty (30) days delinquent, CMS may require that you contact our Customer Service Department to process a mortgage paymentIn other words, when you loan is over thirty (30) days delinquent, CMS may temporarily suspend your ability to process a payment via your online account or over the phonePlease understand that it is not CMS’s objective to intentionally limit your ability to process payment; it is instead to protect your interest in the property and to encourage you to contact our office so that we can properly advise you about your loan delinquency status and to make arrangements to resolve the delinquency That said, please know that CMS offers several no-cost mortgage assistance programs that are designed to assist borrowers with their mortgageTo the extent that you are experiencing a financial hardship and cannot afford your monthly mortgage payment, CMS strongly encourages you to visit our website to explore the mortgage assistance opportunities that may be available to you by visiting https://carringtonms.com/hardship or by calling our Home Retention Department to speak with a mortgage assistance specialist at (800) 790-9502, Monday through Friday, from 7:00AM to 5:00PM, Pacific Time In closing, as of the date of this correspondence, your loan is contractually due for the September 1, and October 1, mortgage payments in the amount of $3,009.96, late charges in the amount of $180.57, and uncollected fees in the amount of $for a total amount due of $3,For your reference and review, attached hereto as Exhibit “A” please find a twenty-four (24) month payment history and account balances along with the transaction codes and definitions Based on the foregoing investigation and review of your account, our records are clear that CMS has addressed all of your concernsFurthermore, our records are also clear that CMS has not engaged in any type of illegal activity or predatory practices, has abided by all federal and state laws, and has properly serviced your loan pursuant to the terms of your mortgage loan agreementMoreover, CMS respectfully submits that we have provided you with timely and clear notices advising you of your loan delinquency status and the no-cost mortgage assistance programs that CMS offers should you want to apply for mortgage assistance Nevertheless, please know that CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you want to contact CMS regarding the administration of your loan 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 3489, Anaheim, CA or fax your correspondence to (800) 486- [This space intentionally left blank] We trust that this communication addresses all of the concerns noted in your complaintIf you have any further questions, please contact the undersigned at (866) 874-5017, Monday through Friday, from 8:00AM to 5:00PM, 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

Every time I login to make a paymentIt forgets my username or password and I have to create a new password or usernameI freaking hate this company it is so annoying!!!!!!!!! Hate hate hate!!!

May 28,
*** *** ***
*** ** ***
*** *** ***
*** ** ***
RE: Loan No.:
***
Complaint ID: ***
Dear Mrand Mrs***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com and received in our office via email on May 4, 2015. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have The following is our response to the issue(s) raised in your inquiry
As we understand your complaint, you claim that after the service transfer, CMS sent you a billing statement with incorrect amounts due, and when you contacted CMS to inquire about the amount due on the billing statement, CMS informed you that the fees reflected on the billing statement were fees that were assessed by the prior servicer You indicate that you contacted the prior servicer who informed you that all your outstanding fees and late charges had been waived prior to the service transfer. In addition, you claim that the monthly payment amount on the loan should be $1,not the amount being billed by CMS of $1,213.66. You further state that you have faxed CMS documentation to support your claims; however, CMS has informed you that your fax has not been received.
At the outset, please note that the servicing of this Veterans Administration (“VA”) insured loan was transferred from *** ** *** *** (“***”) to CMS on April 2, 2015. At the time of the service transfer the loan was showing contractually delinquent and due for the March 1, payment.
Please note that, while CMS began servicing the loan on April 2, 2014, the Real Estate Settlement Procedures Act (“RESPA”) at USC 2605(d) prevents CMS from treating any payment as late for any purposes until the expiration of sixty days after the effective date of the servicing acquisition. This sixty day period is specifically intended to allow the acquiring servicer the necessary time to receive the acquisition file from the prior servicer and to ensure the records of the acquiring servicer reflect the correct loan information. Included in that process are the reviews and complete post-transfer diligence and escrow analysis that are due within sixty days of the acquired date.
Upon review, our records show that at the time of the service transfer the loan had an outstanding principal balance of $140,747.50, a corporate advance balance amount due of $210.75, late fees due in the amount of $524.16, a suspense credit balance of $48.34, and a monthly payment amount of $1,213.66. Please note that your monthly payment amount has not changed and has been in effect since May 2014. Attached is a payment history that shows the payment transactions on your loan at the time of the service transfer and thereafter through the date of this letter. Also, attached is a copy of the payment history that was provided to you by *** on April 29, which outlines the details of the late fees and property inspection fees assessed to your loan. It is important to note that these fees have been assessed to your loan on the month when a payment was not received within the grace period and are reflected in the payment history which clearly shows these fees have been assessed to your loan in a consistent fashion since May 2013. In addition, due to the past due status of your loan, property inspections were also performed and subsequently these inspection fees were also assessed to your loan.
On April 16, 2015, CMS received your March 1, payment in the amount of $1,213.66. On May 20, 2015, an escrow analysis was completed which resulted in a payment change from $1,to $1, beginning July 1, and a copy of this analysis is attached for ease of reference. On April 28, 2015, CMS received your payment in the amount of $1,which was applied to the April 1, payment in the amount of $1,and $to late fees. On April 29, 2015, you contacted CMS to inquire about the $amount due in fees. During this call, the CMS representative explained the amount in question was for property inspection fees at which time you disputed these fees and indicated you would be sending CMS a request to provide you a breakdown of the fees due. On May 21, 2015, you contacted CMS in response to a call made to you regarding your past due May 1, payment and you informed the CMS representative that your payment would be paid by the following Tuesday. Subsequently, on May 25, 2015, your payment in the amount of $1,was received and applied to your May 1, payment. As of today’s date, your loan is contractually current and due for the June 1, payment
Based on the foregoing, we conclude that the aforementioned amounts due on your loan that are also reflected on the CMS billing statements dated April 16, and May 18, are accurate, due and payable In preparing this response, we also contacted B of A and confirmed that the fees in question had not in fact been waived
We trust that this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Pacific Time
Sincerely,
*** ***
Customer Advocate
CC: Revdex.com
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or calling ***. Please include your loan number on all pages of correspondence. The CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at carringtonms.com
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Per the response from Carrington Mortgage Services (CMS), the day that rent is due I am able to add additional principle to my monthly mortgage payment. Also, per the response from CMS, my rent is due on the 1st of every month with a day grace period. Attached is a screenshot displaying my payment options for today 10/1/2015. As can be seen from the attached screenshot, I am currently unable to pay any additional principle towards my mortgage. I believe that this clearly demonstrates that CMS has not complied with my request, and the information that was provided in their response is inaccurate.Additionally, if the information provided in the CMS response message is accurate, I question why this information was not made available to the associate I spoke with previously on the phone so that the situation could have been explained to me then instead of having to go through this entire process. I'm sure many people have this same issue, so providing this level of information to the appropriate CMS personnel would save everyone a lot of time and trouble
Regards,
*** ***

February 23,
ORIGINAL RESPONSE SENT VIA REGULAR MAIL
*** ** ***
*** ***
* *** *** *** ** ***
RE: Loan No.: ***
Complaint No.: ***
Borrower: *** ** ***
Co-borrower: *** ***
Property Address: * *** ***
*** ** ***
Dear Mr& 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 January 27, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry
As we understand the complaint, you allege that CMS has misapplied all of your mortgage payments starting with your November 1, paymentYou go on to say that you received a payoff statement from CMS dated January 13, and that the unpaid principal balance was incorrectAs a result, your desired resolution is for CMS to apply all of your mortgage payments as you originally intended starting with your November 1, payment, provide you with an updated payment history and account balances, and a payoff statement with the correct unpaid principal balance
As a preliminary matter, please accept this correspondence as confirmation that CMS has made all of the necessary corrections and reapplied all of the mortgage payments as you originally intended and as of the dates the payments were receivedAll of the corrections were completed for the payments received starting with the November 10, through the January 7, mortgage paymentsCMS sincerely apologizes for any inadvertent misapplication of the mortgage payments and for any inconveniences you may have experienced as a resultThat said, the following paragraphs will provide a detailed explanation of all payments received, the amount of each payment, and how the payments were reapplied to the loan as you originally intended
On November 10, 2015, CMS received a payment in the amount of $2,Of that amount, CMS has applied $1,to the November 1, mortgage payment and the remainder, $1,346.61, towards the principal balance
On December 7, 2015, CMS received a payment in the amount of $2,Of that amount, CMS has applied $1,to the December 1, mortgage payment and the remainder, $1,346.61, towards the principal balance
Subsequently, on January 7, 2016, CMS received a payment in the amount of $2,Of that amount, CMS has applied $1,to the January 1, mortgage payment and the remainder, $1,296.61, towards the principal balance
Moreover, our records also confirm that on January 26, you requested a payoff statementThe following day, on January 27, 2016, CMS sent you the payoff statement via email to your email addressOn February 12, 2016, CMS received your payoff payment in the amount of $Of that amount, $was applied to your principal balance, $to the interest, and the remainder, $6.95, towards your escrow balance
As of the date of this correspondence, your payment history reflects that your loan is paid in fullConsequently, please do allow for up to thirty (30) days from the date you paid your loan in full for CMS to review your account and process an escrow refund checkFor your reference, attached hereto as Exhibit “A” please find a twenty-four (24) month payment history and account balances along with the transaction codes and definitions
In closing, CMS once again sincerely apologizes for any inadvertent misapplication of your mortgage payments and for any inconveniences you may have experienced as a resultNevertheless, please know that CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you want to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at *** ***, Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can also send written correspondence including inquiries and complaints about your mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** *** or fax your correspondence to *** ***
We trust that this communication addresses all of the concerns noted in the 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
IMPORTANT DISCLOSURES
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or by calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at ***
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-EQUAL CREDIT OPPORTUNITY ACT NOTICE-
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC
-SCRA DISCLOSURE-
MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***
ARKANSAS
Arkansas Residents Only:
Carrington Mortgage Services, LLC ('CMS') is licensed with the Arkansas Securities DepartmentYou may file complaints about CMS with the Arkansas Securities Department (Department) at *** *** *** *** *** *** *** *** *** *** *** ***You may obtain further information by calling the Department's general information number at *** *** or toll-free, *** *** or faxing the Department at *** *** or visiting the Department's website at ***For a list of standard or common loan servicing fees charged by CMS, please visit the CMS website at ***HelpCenter/FAQ

Carrington Mortgage services I have had no issues with this company till now they stared charging for online payments so I set up auto draft this was only free way do make payment online .The 1st auto draft did not work right house payment was not paid on time I know this as soon as I found out I called and made the payment I have paid years always pay 1st day payment is due .I talked to customer care they said yes we see what happened don't worry your payment history is great well not only charged me late fee but reported me to credit services - points on my credit rating .I know they have the right to do what they did but you cant make even one mistake ? and that happened when I was responding to your request to set up auto pay .That is not very good customer service and the only contact I ever had with you guys has to be like this at this point if some as me I would not give a positive review

How does Carrington Mortgage service earn a At with the Revdex.com? This is the worst company to work withThey built their business by stealing homesWe had been with Chase for years, we needed to modify our loan due to high insurance premiums, we made every payment on time or earlyAfter the month probation period, without notice or warning, Chase sold our mortgage to CarringtonI'm sure it was because we modified with ChaseIt is my opinion that no one does business with Chase or with CarringtonAnd apparently you can not trust the Revdex.com ratings either

Since our mortgage was purchased by Carrington they have called us repeatedly trying to get us to refinance our mortgageOur separate occasions my wife and I have both listened to their pitch and both told them they we would rather not refinanceHowever, they continue to call constantlyI have asked them to quit calling us and was told there was nothing they could do about it and that they would keep callingWe've begun to block the phone numbers they call from and they've started mailing us with the same offer as the phone callsYesterday they called my mother-in-law trying to reach usMy mother-in-law is in no way associated with my mortgage and her name and information was never provided as a contact person or otherwise in regards to our home purchaseWe have never missed or been late on a mortgage payment, but we are being treated as though we are irresponsible customers by getting bombarded with phone calls, mailings and now getting other family members involved

Carrington acknowledged that they received a refund for over payment of property taxes on my behalfThey issued me a check for $in August of The check was incorrectly made out to Carrington Mortgage instead of meThey asked me to return the check to them so they could issue a new oneI November, I received the replacement check, but it was also made out to Carrington MortgageI was again asked to return the check to themThis time they stamped it with their endorsement and returned it to meI was now able to deposit the into my bank accountBefore it cleared, Carrington issued a stop payment, and the funds were returned to themI had spuratic contact via email, but now I'm being told to contact customer service againI've told my story to half a dozen different customer service representatives thereI really don't want to start over againI would like my money or at the very least, why they issued a stop payment on the check

My home equity loan was transferred to Carrington from *** earlier this yearI have called Carrington about twice a month or more, since thenI have spoke to various different representatives and for some reason or another everyone seems to give me different informationI have been trying to find out the breakdown of my balance for over monthsA week ago I spoke to a rep and was told that since they were still working on my loan from the transfer, that I could call in and make payments in any amount to bring the loan current.,I wouldn't be charged any late fees and that I wouldn't be held accountable for the loan falling behind, since they were still working on my loanToday I called in and attempted to to make a payment, my payments was refused because it isn't the total amount due, according to their systemAlso today I have received letters regarding foreclosureI asked the representative why am I receiving these letters but have yet to receive any letters regarding my l

They have taken good care of my familyWe even refinanced with them and look forward to them taking care of our mortgage.P.S Even working through storm damage claims was painless

PHIL K is a loan officer 614-410-He's been handling my refiIt's
been now six (6) months, and still my refiis not closedI've called and get the same run around I even requested to speak with his managerWas told they were going to call me, but no one has calledDon't know what to doPLEASE HELP ME !!!!!!!

Horrific business conductTheir online payment system works under very narrow circumstances, they charge $to use an auto-payment or $to pay with a representativeOverall, they make it difficult to pay bills on time in order to collect the additional feesThey should be investigated for predatory consumer practices

August 19,
*** ***
*** ***
*** *** *** *** *** ** ***
RE: Loan No.: ***
Primary Borrower: *** *** *** ***
Property Address: *** *** *** *** ** ***
Complaint I.DNo.: ***
Dear Mrand Ms***:
The *** *** Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a complaint filed with the Revdex.com (“Revdex.com”) regarding the above-referenced loan received in our office via email on July 18, 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 an inquiry from you via the Revdex.com on July 13, which raises the same issues as this complaintAccordingly, the loan was researched and a response was sent to you by CMS on August 4, While the August 4, complaint response has provided you with twenty-six pages of documents to support CMS’s response to you, CMS is not providing another copy of the documents that are immaterial to your most recent complaint in an effort to avoid unnecessary duplication of efforts
As we understand this most recent complaint, you state that CMS’s August 4, response to you did not resolve all of your concernsYou reiterate that if you were aware that your mortgage payments increased by $28.00, you would have submitted the full contractual payments to CMS, and you also claim that based on your loan payment history you have never paid a late mortgage payment to CMSYou claim that CMS has reported incorrect information to the credit bureaus indicating that CMS received payments after the month in which the payments became dueYou also state that CMS never contacted you to notify you of the payments that you made that were less than the full contractual paymentsFinally, you state that you will not be fully satisfied with CMS until the derogatory information is removed from your credit profile
Please be advised that CMS is unable to comment on whether or not you personally received or viewed the October 28, escrow analysis upon its delivery to your correct mailing addressHowever, CMS respectfully submits that CMS properly notified you of the increase to your mortgage payment from $to $effective with the December 1, mortgage payment by issuing you the attached escrow analysis on October 28,
Contrary to your claim that you have never made a late mortgage payment to CMS, our records show that CMS did not receive your full contractual payment for December 1, until January 8, 2015, did not receive your full contractual January 1, payment until February 9, and did not receive your full contractual February 1, payment until March 9,
Your loan payment history that was previously provided to you within the August 4, response letter supports the above referenced information and further shows that CMS did not receive your full March 1, mortgage payment until April 9, or your full April 1, mortgage payment until May 13, Regretfully, the fact is that CMS was not in receipt of your full contractual payment within the same month that each of the above referenced mortgage payments became dueIt is important to note that credit reporting is based upon the date that CMS receives the full contractual payments due and is not based upon the date that a partial payment may have been received by CMS
Although CMS is not required to contact you to notify you that the payments received from you were less than the full contractual payment amount, CMS typically attempts to contact borrowers in an attempt to secure mortgage payments during the month that the payment became due
As you have been previously notified, CMS is obligated by federal law to provide timely and accurate credit reporting in regard to the current loan status, payment history and loan informationWe have determined that the information reported to the major credit bureaus properly reflects your payment history and loan informationWe are, therefore, unable to make the requested changes to the reported information
After a thorough review of your most recent correspondence, CMS is unable to identify any new issues that have not been previously addressed in detail by CMS as your most recent hand written correspondence appears to be substantially similar, or even identical to, correspondence previously addressed by CMSAccordingly, no further response from CMS is requiredMoreover, because we have now addressed these issues on multiple occasions, CMS will not respond to future correspondence raising substantially the same or identical claims
Based on the foregoing, we believe the record is clear that CMS did in fact issue you an escrow analysis on October 28, that notified you of the payment increase from $to $effective with the December 1, mortgage paymentIt is also clear that CMS has properly reported accurate loan and payment information to the credit bureausShould you wish to further discuss any aspect of your loan, we encourage you to contact our Customer Service Department at *** *** for further assistance
We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Eastern Time
Sincerely,
*** ***
*** ***
CC: Revdex.com
IMPORTANT DISCLOSURES
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at 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 ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting the Customer Service Department at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***
-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 ***

*** ** *** transferred my loan to Carrington Carrington Mortgage has not sent me a statement/billing I tried calling them today and despite the fact that the "Welcome Letter" ( which they sent only weeks ago), states that they are available for customer service Monday through Friday until p.mEastern time, I got a recording that informed that they were not currently open This was at 1:p.mPacific time In addition, when I called weeks ago to inquire about not having yet received any paperwork from athem at all, I was told that an over the phone payment would cost me $ The "welcome letter" states the fee as $ I am not able to reach anybody to discuss anything with me, I have no documents, other than the welcome letter, no billing, no statement, etc *** sent the notice letter in August Carrington has had plenty of time to send me a billing they should also be accessible as stated on their letter And why are their reps quoting a much higher fee for

Theresa *** was very helpful and very informativeFor this being me and my wifes first home she was very helpful, and answered all of our questions

We had a positive experience with carrington mortgage

I got a statement that I owed Carrington on a mortgageI informed them that another bank had foreclosed without adding 129,dollars and you cannot transfer a deed to secure debt after the factAll of the documentation from Carrington says this is a FHA mortgageI have email from FHA that says it is not an FHA mortgageThey keep the 129,dollars,sold the property for 54,then sent me a for205,dollarsThe last letter I received stated that I didn't owe them any monies and apologized for their mistake but refused to take it off my creditIf it was foreclosed on by another bank they should send me the as foreclosureThe Carrington sent says the property was abandonedI am not going to pat income tax on 205,I want the gone and the debt off my credit

This company should be shut downWe contacted this company several months prior for documentation necessary for us to get a hardship withdrawal and pay off the amount of loanThey sent us several documents and never the right one after repeated contact asking specifically for the documentStill nothingThey then got a lawyer and proceeded to foreclose on our property with no notificationWe were notified by another lawyer seeking to advertise in helping us save itWe asked for a reinstatement amount, but they did not send that out until a week prior to the deadline on the letter, which gave us no time to file with our 401k for hardship withdrawlWe missed the deadline and then asked for another reinstatement amountThis time they are again holding on to documentation and refusing to give us an amount so that we can pay the thingThey are purposely pushing people into foreclosure while pretending to be legal

Carrington Mortgages holds my mortgageThe company double payed my escrow account and recalculated my payment using this estimateThey failed to notify me of any payment change, until sending me a "late payment notice" because my payment was not the full (new) amountUpon calling they realized the mistake and were supposed to fix itI called again the next week and it wasn't fixedI have spoken to them more than five times and promised a fixFinally, they fixed the payment issue that was showing me a month behind on my billThey left a late charge on my account and have told me each month it would get removedThe account still has the late charge and they have only empty promises of removing it

Check fields!

Write a review of Carrington Mortgage Services LLC

Satisfaction rating
 
 
 
 
 
Upload here Increase visibility and credibility of your review by
adding a photo
Submit your review

Carrington Mortgage Services LLC Rating

Overall satisfaction rating

Address: 1600 Douglass Rd #200A, Anaheim, California, United States, 92806

Phone:

Show more...

Web:

www.carringtonhomeloans.com

This site can’t be reached

Shady, yet now dead: once upon a time this website was reported to be associated with Carrington Mortgage Services LLC, but after several inspections we’ve come to the conclusion that this domain is no longer active.



Add contact information for Carrington Mortgage Services LLC

Add new contacts
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | New | Updated