Carrington Mortgage Services LLC

Paid mortgage to Carrington 8/12/- via their online payment system - where our banking information was stored System generated a confirmation # Received letter 8/confirming payment & confirmation # Received statement from Carrington dated 8/w/ mortgage payment applied 8/8/received letter - payment rejected due to account not being found8/paid mortgage again via Carrington system - utilizing stored banking info previously used for all account payment transactions System again generated confirmation # & sent a letter 8/confirming payment had been processed 9/received another letter stating payment had been rejected due to account not being found Called Carrington customer service had customer service rep assist with making the payment System generated a confirmation number Received a mortgage statement from Carrington 9/showing 8/payment reversed, 8/($1,346.23) payment applied, & 8/payment ($1,346.23) reversed, a pay by pho

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.It is clear that this business has no interest in resolving my complaint or keeping any good will of its customers, so the Revdex.com may as well close the case file. Carrington Mortgage probably does not care, but I will notify my colleagues, relatives and friends of Carrington Mortgage's unfair and callous treatment
Regards,
*** ***

Carrington refinanced my mortgage and assured me I would not have to make my next month's payment and everything was handledThey messed up and still drafted my account and now tell me it will take days to refund me my money that they took in errorTheir customer service is unwilling to do anything to helpDo not ever work with this companyIf your bank sells your mortgage to them I recommend immediately refinancing with an accredited institutionNo idea how you can have an A+ rating when all reviews are negative

CARRINGTON MORTGAGE is trying to EXTORT money from meI was in the modification processes with bank of america when my loan was transferred to CARRINGTON MORTGAGEmy trial payments were made to CARRINGTON MORTGAGE and my loan was modified after months I have no idea where my trial payments wentand now they continue to charge me more money for an escrow that should be paid for also EVERY month my note is changedone minute its $then its $then its $and then $and then $of which I paid $then its $and now its $they have decided to add a bogus attorney fee AFTER THE modification was signedCARRINGTON MORTGAGE IS A SLIMY COMPANY that wants to suck your equity out by any means necessary!! Every time I log on the account they beg for me to go paperless I'M guessing so they can have me to pay the lowest amonts due on the web page and then throw me into foreclosure because they obviously have two different areas calculating the monthly note....A

November 9,
*** ** ***
** *** *** *** ** ***
RE: Loan No.: ***
Borrower: *** ** ***
Property Address: ** *** *** *** ** ***
Complaint I.DNo.: ***
Dear Mr***:
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 October 21, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry
As we understand the complaint, you state that after your loan fell delinquent, you contacted CMS who informed you that your loan was not yet referred to foreclosure at that timeYou state that CMS provided you with the amount to cure the delinquency and the date in which CMS was required to receive such funds to bring your loan contractually currentYou further claim that you sent the required funds to CMS on the date specified; however, CMS referred your loan to foreclosure and returned the funds to you that same dayYou further state that every time you have contacted CMS, the amount to bring your loan contractually current has increased and that a foreclosure sale date has been scheduledYour complaint goes on to raise concern that the amount to reinstate your loan from foreclosure has increase by $in two days and that CMS has not provided you with assurance that if you send funds to CMS the foreclosure sale will be canceled
At the outset, please note that the servicing of this U.SDepartment of Agriculture (“USDA”) insured loan was transferred from *** to CMS on October 2, On October 6, 2014, CMS issued the attached Notice of Service Transfer (“Hello Letter”) notifying you of the service transfer to CMSAt the time of the service transfer your loan was contractually current and showing due for the October 1, mortgage payment
A review of our records found that CMS received timely payments from you during the months of October and November 2014; however, CMS received no payment from you during the month of December Over the following months, your mortgage payments were consistently paid more than thirty days lateTherefore, on January 2, 2015, CMS began efforts to assist you in retaining ownership of the property by issuing you a solicitation notice informing you of the no-cost programs that were designed to assist borrowers seeking to avoid losing a home to foreclosure
In addition, our records show that CMS attempted to contact you numerous times via telephone and also sent you letters informing you of the status of your loanRegretfully, you did not respond to CMS’s contact attempts until CMS contacted you on March 11, At that time, your loan was contractually in default for the February 1, mortgage paymentDuring this phone conversation you explained that you were unaware that the servicing of your loan was transferred to CMS and that you had been sending mortgage payments to your prior loan servicerBecause you were at work and you were unable to continue the phone conversation, you agreed to contact CMS at your earliest convenience to resolve the loan delinquency
Later that same day, CMS received a call from an Unauthorized Third party (“UTP”) who identified herself as *** ***The CMS representative that answered the call notified Ms*** that it would be necessary for CMS to be in receipt of written permission from you in order to discuss loan details with herThe CMS representative provided the UTP with the fax number for you to send such written authorization to CMSCMS is able to confirm that CMS has received no such authorization from you nor did you contact CMS to resolve the loan delinquency as you indicated during the March 11, phone conversation
Nevertheless, CMS continued diligent efforts to contact you over the following monthsOn July 3, when your loan was due for the June 1, payment, CMS issued a new solicitation notice informing you of the no-cost programs that were designed to assist borrowers seeking to avoid losing a home to foreclosureOn July 7, 2015, CMS issued the attached Notice of Intent to Foreclose (“NOI”) to you via certified mailAs you may recall, the NOI notified you that your loan was in default for the nonpayment of the June 1, contractual payment and provided $1,as the amount required to cure the delinquencyThis letter also notified you that failure to cure the delinquency within thirty days may result in acceleration of the sums secured by the Mortgage and in the sale of the property
Over the following months, CMS again continued numerous attempts to contact you in an effort to resolve the loan delinquencyIn addition to telephone calls being made and letters being sent to you, CMS even went as far as to send a property inspector to your home to communicate with youIn fact, it was on August 26, when a property inspector physically knocked on your door in an attempt to have you communicate with CMSBecause you were not at the property at that moment, a sealed letter was left with Ms*** requesting that you contact CMS at your earliest convenienceRegrettably CMS again received no such contact from you
As of September 14, 2015, your loan was still contractually in default and showing due for the June 1, mortgage paymentThat day, you finally contacted CMS and during this phone conversation, the CMS representative confirmed that the telephone number CMS had been calling was validYou also explained that you recently realized that it was CMS that was attempting to contact you; however, at the time the calls were made, you did not answer because you previously did not recognize CMS’s telephone number
You then explained that you believed your wife was paying the mortgage payments and found that your loan was delinquent after opening a letter sent to you from CMSAfter you requested the past due amount, the CMS representative provided you with the total amount due to bring your loan contractually current which was $2,It was at this time that you notified CMS that you would bring the loan contractually current by the end of that week or, at the latest, the following Monday which would have been September 21,
Contrary to your claim that you paid the proper amount to CMS within the required timeframe, CMS received no such payment from you on or before September 21, Consequently, the subject loan was reviewed and approved for foreclosure effective September 23, Your loan remained contractually delinquent and due for the June 1, and subsequent mortgage payments at the time of the foreclosure referralWhile CMS is uncertain as to the reason you claim that you remitted funds to CMS within the required timeframe, CMS respectfully submits that CMS was not in receipt of funds to bring your loan contractually current on or before the loan was referred to foreclosure
Later on September 23, 2015, CMS received a call from an UTP who identified herself as your wifeDuring this phone call, the UTP explained that she wished to send a payment to CMSBecause CMS never received written permission from you to disclose loan or payment information to this UTP, the CMS representative was unable to notify the UTP that your loan was already referred to foreclosureCMS is able to confirm that your UTP was not provided with a payment amount; however, the CMS representative provided the UTP with CMS’s mailing address and explained that any funds sent to CMS would need to be in the form of certified funds
On September 28, 2015, CMS received funds in the amount of $2,via personal check number which were less than the amount of $2,necessary to reinstate the loanThese funds were returned to you on September 30, along with the attached letter notifying you that that your loan was referred to foreclosure and that the funds were being returned to you because payment arrangements were not made with CMS prior to receiving the fundsCMS would also like to point out that this payment was not in the form of certified funds as requiredIn fact, because CMS received a personal check, the check would have been returned to you even if payment arrangements had been made as CMS requires all payments for loans in an active foreclosure be in the form of certified funds
On October 8, 2015, you contacted CMS and questioned why CMS returned the above referenced payment to youThe CMS representative notified you that the funds were returned because your loan was referred to foreclosureYou were also informed that in order for CMS to accept funds from you, CMS would need to provide you with an updated amount to reinstate your loan from foreclosure which would include the incurred foreclosure attorney fees and costsThe CMS representative began the necessary actions to provide you with the reinstatement amount
During this phone conversation, you again explained that your loan fell delinquent because you believed your wife was paying the mortgage paymentThe CMS representative provided you with the loss mitigation options that may have been available to you and requested that a new solicitation notice be mailed to youYou were also notified that once the reinstatement amount was available it would be sent to you via first class mailBefore ending the call, the CMS representative informed you of the importance to communicate with CMS and encouraged you to follow up with CMS weekly until the loan was removed from foreclosure
On October 15, 2015, CMS completed and issued the attached Reinstatement Notification to youThis Reinstatement Notification provided you with the amount of $4,which was required to reinstate your loan from foreclosure and indicated that such amount was required to be in the form of certified fundsThe Reinstatement Notification also notified you that such certified funds must be received by CMS on or before November 1,
Please note that while you claim that the reinstatement amount increased by $in just two days, the corporate/expense advances amount of $included previously incurred default related fees assessed to your loan during the time that your loan was contractually in defaultCMS respectfully submits that the amount to reinstate your loan was accurate and that the corporate/expense advances were not increased by $over a period of two daysOn October 19, 2015, a foreclosure sale of the subject property was scheduled to occur on November 18,
Also on October 19, 2015, you contacted CMS and confirmed receipt of the mortgage assistance application included with the Solicitation NoticeThe CMS representative provided you with information to assist you in completing the mortgage assistance application; however, the CMS representative also notified you that a foreclosure sale date was scheduled after the Solicitation Notice was sent to youThe CMS representative also notified you that it was unlikely that CMS would evaluate your loan for a foreclosure alternative in time to stop the foreclosure sale if CMS received your complete mortgage assistance application within thirty-seven (37) calendar days before the scheduled foreclosure sale
CMS would like to point out that as of the date of that phone conversation, the November 18, was already within thirty-seven (37) calendar daysEven later that same day, CMS received your initial mortgage assistance applicationUpon review of your application, CMS confirmed that because there was a foreclosure sale scheduled for November 18, which was within thirty-seven (37) days, CMS was not required to acknowledge or review the mortgage assistance application
On October 20, 2015, you contacted CMS and claimed that you were unaware that your loan was referred to foreclosureYou also explained that you sent funds to CMS to bring your loan current, but that CMS returned the funds to youThe CMS representative explained that CMS sent you all foreclosure notices required under applicable law and that the funds in question were received and returned after CMS initiated the foreclosure processYou were also informed that CMS received your mortgage assistance application, and that CMS would not be reviewing the application because it was received within thirty-seven (37) days of the November 18, foreclosure sale
Because you were dissatisfied with this information, you requested to speak to a CMS supervisorYour call was then transferred to a CMS supervisor and you again expressed your dissatisfaction that CMS returned funds to youAs you were previously informed, the CMS supervisor reiterated that the funds were returned to you because your loan was referred to foreclosure and that once a loan is referred to foreclosure the full amount to reinstate your loan was requiredThe CMS supervisor confirmed that a Reinstatement Notification was issued to you on October 15, and encouraged you to reinstate the loan from foreclosure at your earliest convenience
On October 27, 2015, CMS spoke with you and during this phone call you confirmed receipt of the Reinstatement Notification requiring an amount of $4,to be received by CMS on or before November 1, You explained that you were working to secure the reinstatement amount and that you intended to send such amount to CMS in the form of certified funds
On October 28, 2015, CMS received certified funds in the amount of $4,These funds were applied to reinstate your loan from foreclosure and brought your loan contractually current and due for the December 1, mortgage payment in the amount of $That same day, CMS cancelled the foreclosure and returned your loan back to servicingAdditionally, CMS then sent you the attached letter notifying you that your loan was reinstated from foreclosure effective as of October 28, Our records show that CMS has had no further contact from you
In response to your concern that the total amount due to bring your loan contractually current increased every time that you spoke with CMS, CMS respectfully disagrees with your claimPlease be advised that your monthly mortgage payment is due on the first day of each month, and with every month that your mortgage payment went unpaid, the amount to bring your loan contractually current increasedMoreover, if the full contractual payment was not received by CMS on or before the sixteenth day of the month in which the payment became due, a late fee was assessed to your loan which will also increase the total amount due
Furthermore, CMS is able to confirm that CMS lawfully ordered and completed property inspectionsAt the time each of the property inspections were ordered, you had failed to perform the covenants and agreements contained in your Security InstrumentCMS conducts property inspections under such circumstances to ensure that the value of the collateral is being preserved and the fees associated with the property inspections are permissibly passed along to youEach time a property inspection fee was assessed to your loan, the amount to bring your loan contractually current also increasedIn light of the above, CMS respectfully submits that each time you were provided with the amount to bring your loan current, the amount was accurate based upon the total amount due at those times
Based on the foregoing, we believe the record is clear that CMS has diligently attempted to assist you in avoiding foreclosure, although you failed to respond to CMS efforts to provide you with mortgage assistance until after thirty-seven (37) days prior to the date of the foreclosure saleIt is also clear that CMS properly returned funds received from you because the funds were insufficient to reinstate your loan and were not certified fundsMoreover, once CMS was in receipt of certified funds sufficient to reinstate your loan from foreclosure, CMS promptly applied the funds to your loan and reinstated your loan from foreclosure the same dayTo the extent that statements in your letter consist of allegations of wrongdoing of any nature by CMS or otherwise, all such allegations are deniedShould you wish to further discuss any aspect of your loan, we encourage you to contact CMS’s Customer Service Department at *** *** for further assistance
We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Eastern Time
Sincerely,
*** ***
*** ***
CC: Revdex.com
IMPORTANT DISCLOSURES
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or 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
-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
-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
-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 *** *** *** *** ** ***
TENNESSEE:
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance

Carrington Mortgage uses them as my loan companyThey started processing my loan June told me I was preapproved I didn't sign another lease for my apartmentBecause I was surpose to be moving into a home soonMy realtor and I found the homeI sent them so much paper work, it was very stressful Every time I called one loan office asking me for something differentCalled again another loan office said I'm ok told me I'm approved and the underwriter has everything in order that's needed .I had spoken with so many officer that wasn't communicating with each other it was so stressfullThen finally was told all is well sent the money for appraisal and paid the inspectorI was excited, loan officer said I'm closing this week it's November now go on line filled out the loan paper work and get my certificateThe realtor ask me to pay the earnest money, did all I suppose to doWas told by my realtor and Carrington Mortgage congratulation on a Thursday we are closing FridayI'm so happy was tired of staying with people and dealing with so much from Carrington Mortgage faxing documentation ectI drove to the house looking at it saying I'm finally moving in next thing you knowLater that evening loan office sent me and email telling me I'm I'm denied the day before I closedI cried so hard had spent all that money on appraisal and inspection now I'm homelessThen added to that, because we kept signing extension my realtor said I lost my earnest moneyThen an loan office here in Georgia took over trying to help me and look at the loan told me Carrington Mortgage made many mistakes in my loan paper workHe called them to release the loan to him, they didn't want to own there mistakeI was told they fired one of the loan officer that was working on my loanI was told have to wait and 6months apply again or take an coventional loan with an higher interest rateI decided to wait and apply with another loan company The people at Carrington Mortagage I dealt with was horrible and it was so stressful!! I'm planning on putting in a complaint and asking them to refund all my money back never should have gotten that far in the first place if the paper work wasn't in order!!

Our home loan was sold to CarringtonI could go on and on, but I will try to make it short
1) INACCURATE INFORMATION FROM EMPLOYEES: You will ask a question to one rep, ask it to another and get different answersYou do what they ask, then find out you were given wrong information(That costs you money)
2) IT'S NEARLY IMPOSSIBLE TO GET ANY COMPLAINT RESOLVED: They make you jump through a crazy amount of hoopsIt's so inconvenient & time consuming that I'm sure most people just give up instead of trying to get anything resolvedI couldn't talk to anyone on the phone about resolving my problemI had to FAX over a typed/written statement detailing the problem, & get copies of my bank statements faxed to themYou wait 3-weeks for a response in the mail stating the outcome of your complaint(Don't worry, you'll wait for a response, never get one, call them, & find out they never received it; Even though you faxed it twice to different people, & confirme

Carrington Mortgage Svc llc took over my home owners loan, since they have taken over a year ago they have continued to call me every month requesting payment up to a week after my payment clearsFor June payment the payment was set up on the 30th of May and check was mailed on the 1stI continued to receive calls till 6/from Carrington After repeat calls from Carrington Mortgage and me informing them that the pymt was made on the 1st, I followed up with the bank the check dated 6/1/16, ck number had cleared my bank on the 8thAgain I informed Carrington to stop calling me, and also that there processing was an issue Customer care agent *** informed me at that time to start sending my checks to the overnight address at Carrington Mortg Svc, llc Attn Cashiering dept *** *** * *** *** *** *** *** ** *** He said that way the payment would get processed the next business dayThen again this month I arranged the check to send on 7/1/16, I have rec

I decided to refinance my house to obtain a lower interest rate I have made all my payments on time with no reported late payments on my credit reports until Carrington Mortgage received their final payment from the company I refinanced withThe final payment was sent before noon on April 1, However, Carrington Mortgage updated my credit reports on the same day as the final payoff (April 1, 2016) indicating I was days late for the March and April payments How can I be days late for my March and April payments when $205,was sent to Carrington Mortgage on April 1, at 7:42AM? I have the documentation from the new mortgage company verifying the funds transferred on said date and time I have attempted to resolve the issue with Carrington Mortgage to no avail, they offer no way to communicate with the department or persons who handles these kinds of issues which makes this process troublesome and involves too many people to pass along relevant

I sent in partial payments for February and March's payments Four payments were sent for $each on the following dates Jan 30, Jan 31st, Feb, 19th, and Feb 28th At the time I was unaware that the payments were posted incorrectly I had spoken to a Carrington rep before I started doing partial payments over a year ago and was told that it was fine to do so Starting in January the payments stopped posting correctly I called in February because I received a letter stating that I was past due for payment The rep saw where the payments posted incorrectly and put in a request to fix them, I told him there were two more payments that were going to be coming in that way for March's payment and he assured me that they would post them correctly It didn't happen, I called back again and was told that one of the payments were sitting in unapplied and the other was in Escrow, and again I was told that they would fix it, didn't happen I kept receiving collection calls and another l

January 11, *** *** *** *** *** *** *** *** ** ***
RE: Loan No.: ***
Borrower: *** ***
Property Address: *** *** *** *** ** ***
Complaint No.: ***
Dear Mr***:
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 December 30, 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 suggest that CMS did not inform you of the service transfer of your loan from *** ** *** to CMS in April In September 2015, you discovered that your credit score decreased which is when you found that your mortgage payment increased effective August 1, due to an adjustment in your monthly escrow collectionAlthough you state that you never received notice of the increased payment, you discovered an escrow analysis completed by CMS in May once you accessed CMS’s Loan Servicing Website (“LSW”)
Your complaint goes on to state that you immediately contacted CMS and paid the $which you understood would bring your loan contractually currentThe CMS representative informed you of the option to enroll in CMS’s AutoDraft program which could automatically debit reoccurring mortgage payments from your bank account on a semi-monthly basis; however, in order to establish AutoDraft payments, you would be required to provide CMS with a voided check from your financial institutionYou declined this option, and continued to submit semi-monthly payments to CMS via your banking institution’s BillPay service
Your complaint further states that, in mid-December 2015, you received a Notice of Intent to Foreclose (“NOI”) from CMS which is when you discovered that CMS was holding funds in an unapplied statusTo avoid foreclosure, you made an additional monthly payment; however, you are concerned that CMS has not properly applied all funds received from youYour desired resolution is for CMS to acknowledge that your loan is contractually current, provide you an explanation of your payment history, and to correct the derogatory credit reporting made by CMS
At the outset, please note that the servicing of this Veteran’s Administration (“VA”) insured loan was transferred from *** ** *** N.A(“***”) to CMS on April 2, On April 6, 2015, CMS issued you the attached Notice of Service Transfer (“Hello Letter”) notifying you of the service transfer to CMSCMS is uncertain as to why you did not receive the Hello Letter CMS issued to you on April 6, 2015; however, CMS has confirmed that your prior loan servicer also notified you of the service transfer by issuing you the attached Notice of Service Transfer (“Goodbye Letter”) on March 12, 2015, a copy of which is also enclosed here for your ease of reference
At the time of the service transfer, your loan was contractually current and showing due for the April 1, mortgage payment in the amount of $1,This payment was made up of principal and interest in the amount of $and a monthly escrow collection in the amount of $It is important to note that your loan was transferred to CMS with $in an unapplied status
On April 9, 2015, CMS received funds in the amount of $1,from your prior loan servicerThese funds represented a refund due to your escrow account for an annual Lender Placed Insurance (“LPI”) policy in the amount of $2,that was purchased on your behalf by your prior loan servicer on or about October 27, Once the servicing of your loan was transferred to CMS, your prior loan servicer refunded the remaining LPI premium to CMS which was applied to your escrow account that same dayOn April 18, 2015, CMS issued you the attached mortgage statement providing you with the status of your loan
A review of our records found that CMS received your first partial payment in the amount of $on April 22, When combined with the $that was in an unapplied status at the time for the service transfer, CMS applied the total of $1,to satisfy the April 1, mortgage paymentOn May 1, 2015, CMS received a new partial payment from you in the amount of $which was placed in an unapplied status until the time that CMS was in receipt of additional funds required to satisfy the May 1, contractual paymentOn May 20, 2015, CMS received another partial payment in the amount of $from you which was combined with the $received on May 1, and applied to satisfy your May 1, mortgage payment that same day
On May 27, 2015, CMS completed an initial escrow analysis for your loan and issued you the attached escrow analysis notificationThe escrow analysis projected total annual escrow disbursements in the amount of $5,161.16, which included a hazard insurance premium in the amount of $2,145.00, and property taxes in the amount of $3,The guidelines set forth by the Real Estate Settlement Procedures Act (“RESPA”) limit the amount of funds a loan servicer may require a borrower to hold in an escrow account, commonly known as an escrow cushionAlthough RESPA does not require the lender to maintain a cushion, RESPA does allow a loan servicer to maintain an escrow cushion equal to two months (one-sixth) of the amount of the total annual disbursements paid out of an escrow account
Because the total annual escrow disbursements for your loan were projected to be $5,161.16, your escrow account was required to have a minimum of $at all times ($5,divided by equals $860.18)Based upon the projected disbursement date of your escrowed items, CMS determined that your escrow account would have a deficit in the amount of $in March Because you are required to have $in your escrow account at all times, CMS determined that your escrow account would contain an escrow shortage in the amount of $at that time ($plus $equals $862.44)
In order to prevent any undue hardship, CMS spread the escrow shortage of $over a period of twelve months which resulted in an increase to your monthly mortgage payment from $1,to $1,effective with the August 1, mortgage paymentFor your ease of reference, a breakdown of the August 1, mortgage payment is outlined below
Principal and Interest: $
Base Escrow Collection: $ ($5,divided by 12)
Monthly Escrow Shortage: $ ($divided by 12)
August 1, Payment $ 1,
On June 4, 2015, CMS received a new partial payment from you in the amount of $which was placed in an unapplied status until the time that CMS was in receipt of additional funds required to satisfy the June 1, contractual paymentOn June 19, 2015, CMS received another partial payment in the amount of $from you which was combined with the $received on June 4, and applied to satisfy your June 1, mortgage payment that same day
On July 3, 2015, CMS received new funds in the amount of $from youBecause these funds were less that your contractual payment of $1,186.18, the funds were placed in an unapplied status until the time that CMS was in receipt of additional funds required to satisfy the July 1, contractual paymentOn July 21, 2015, CMS received $from you which was combined with the $received on July 3, and was applied to satisfy your July 1, mortgage payment that same day
On August 4, 2015, CMS received a new partial payment from you in the amount of $which was again placed in an unapplied status until the time that CMS received additional funds from you to satisfy the increased August 1, contractual payment in the amount of $1,This payment was followed by a new partial payment in the amount of $received by CMS on August 18, The receipt of this payment brought the funds in CMS’s possession to $1,186.18, which was less than the contractual payment due in the amount of $1,Accordingly, these funds remained in an unapplied status until the time that CMS received additional funds from you required to satisfy the full contractual payment dueAlso on August 18, 2015, CMS issued you the attached mortgage statement notifying you that your August 1, mortgage payment was not yet paid in full
On September 4, 2015, CMS received funds in the amount of $bringing the total amount of funds in CMS’s possession to $1,That day, CMS applied $1,to satisfy the August 1, mortgage payment which left $in an unapplied status until CMS was in receipt of additional funds required to satisfy the September 1, mortgage paymentThat same day, CMS issued you the attached mortgage statement notifying you that your September 1, mortgage payment was not yet paid in full
On September 21, 2015, CMS received new funds in the amount of $bringing the total amount of funds in CMS’s possession to $1,Again, these funds were held in an unapplied status until the time that CMS was in receipt of additional funds required to satisfy the full September 1, contractual mortgage payment
On October 1, 2015, you contacted CMS for the first time and after you provided your loan number and verified your identity, the CMS representative requested you to provide your mailing address as another verification measureYou responded by stating that you would give CMS your “old” mailing address which was the same as the property address referenced above and the same address that all of the aforementioned notices were sent toBecause you indicated that the property was your “old” mailing address, the CMS representative inquired whether you wished CMS to update your mailing addressYou then provided the CMS representative with your new mailing address of *** *** *** *** *** ** ***
After you provided CMS with your new mailing address, the CMS representative immediately updated your loan to reflect that all mail should no longer be delivered to the property address and for all future correspondence to be mailed to you at *** *** *** *** *** ** ***The CMS representative then inquired if you occupied the property and your response to the CMS representative was “more or less”The CMS representative provided you with the status of your loan and you began to explain that you only recently became aware that CMS increased your mortgage payment effective August 1,
You explained that you preferred to send mortgage payments to CMS on a semi-monthly basis and the CMS representative informed you of the option to enroll in CMS’s AutoDraft program which could automatically debit reoccurring mortgage payments from your bank account on a semi-monthly basisThe CMS representative confirmed that CMS policy requires borrowers to provide CMS with a voided check along with a completed AutoDraft Authorization Form (“ADAF”) that was mailed to you that dayYou declined the AutoDraft payment option because you were not in possession of a physical check at that timePlease be advised that if you are interested in CMS’s AutoDraft payment option, your banking institution may be able to provide you with a temporary check that you can void and send to CMS along with your completed ADAF
Together, you and the CMS representative reviewed your loan payment history as you were concerned that CMS may have improperly applied funds to your loanYou then explained that you recently sent a payment to CMS in the amount of $which CMS had not yet received at that timeYou acknowledged that CMS sent you an escrow analysis in May 2015, but indicated that you did not receive the escrow analysis and you were unaware of the increased payment until you viewed your loan activity via CMS’s LSW in September The CMS representative explained that you could access the Document Portal within CMS’s LSW to view documents sent to you and you explained that your web browser returned errors when you attempted to access CMS’s Document PortalThe CMS representative encouraged you to use, and provided you with examples of, alternate web browsers that may allow you to access CMS’s Document Portal without error
During this phone conversation, you expressed dissatisfaction that your credit score was impacted by late mortgage paymentsIn response, the CMS representative provided you with the fax number to send any credit related concerns to CMS’s Customer Service Research Department who would respond to your inquiry in writingBecause you indicated that you already sent CMS $via your banking institution’s BillPay service, the representative updated your loan to temporarily cease collection calls to allow time for CMS to be in receipt the payment in transit to CMSCMS has not received any further telephone contact from you as of the date of this letter
After listening to the recorded telephone call, CMS has confirmed that the CMS representative did not advise you that your loan would be contractually current after receipt of the $payment as your loan became contractually due for the October 1, that same dayNevertheless, CMS would like to apologize to you if you understood in any way that receipt of the $that was in transit to CMS was sufficient to satisfy not only the September 1, mortgage payment but also the full October 1, mortgage payment in the total amount of $1,
CMS would also like to take this opportunity to notify you that it is your responsibility to notify CMS if your mailing address has changedAlthough, CMS has updated its records to reflect the new mailing address of *** *** *** *** *** ** ***, CMS is not entirely certain whether you will receive future correspondence from CMS as you indicated that you be occupying the subject property
On October 7, 2015, CMS received funds in the amount of $bringing the total amount of funds in CMS’s possession to $1,That day, CMS applied $1,to the September 1, mortgage payment and issued you the attached new mortgage statement to *** *** *** *** *** ** ***The remaining $was held in an unapplied status until CMS was in receipt of additional funds required to satisfy the October 1, mortgage paymentOn October 9, 2015, CMS received a new partial payment from you in the amount of $which was placed in an unapplied statusThe unapplied balance after the application of this payment was $which was half of your prior mortgage payment of $1,and not half of the current payment due in the amount of $1,
On October 20, 2015, CMS received a new partial payment from you in the amount of $The receipt of this payment brought the funds in CMS’s possession to $1,251.32, which remained was still less than the contractual payment due in the amount of $1,This payment was followed by another partial payment in the amount of $that was received by CMS on November 4, That day, CMS applied $1,to the October 1, payment and the difference of $remained in an unapplied status until the time that CMS received additional funds required to satisfy the full November 1, mortgage payment
Also on November 4, 2015, CMS issued you a new mortgage statement providing you with the status of the loan and outlining the fact that your November 1, mortgage payment was not satisfiedThen, on November 21, 2015, CMS received another partial payment from you in the amount of $which was placed in an unapplied status and brought the amount of funds in CMS’s possession to $1,Again, the funds were held in an unapplied status because the funds in CMS’s possession were less than the contractual payment due
On December 8, 2015, CMS issued the attached Notice of Intent to Foreclose (“NOI”) to youThe NOI also notified you that your loan was in default for the non-payment of the full November 1, contractual mortgage payment and provided $2,less unapplied funds in the amount of $1,($1,381.60) as the amount required to cure the delinquencyThis letter also notified you that failure to cure the delinquency within thirty days may result in acceleration of the sums secured by the Mortgage and in the sale of the property
Please be advised that the NOI is a system generated letter that is issued after a loan has become past due for more than thirty-one days and is required by law prior to the initiation of foreclosure proceedingsCMS apologizes if you felt its efforts to assist you in resolving this past due loan were threatening in any way, as CMS’s intent has been solely to comply with applicable law, to attempt to make arrangements to resolve the account delinquency, and to transmit accurate information regarding the consequences of any failure to do so
On December 15, 2015, CMS received a new partial payment from you in the amount of $That day, CMS applied $1,to your November 1, mortgage payment with the difference of $remaining in an unapplied statusThat day, CMS issued you the attached new mortgage statement providing you with the status of your loanOn December 22, 2015, CMS received a new partial payment from you in the amount of $which was again placed in an unapplied status and brought the amount of funds in CMS’s possession to $1,The final payment CMS received from you was on December 28, in the amount of $1,Because this was the full amount of the next mortgage payment due, CMS applied these funds to the December 1, mortgage payment with the $1,remaining in an unapplied status
As of the date of this letter, your loan is showing due for the January 1, mortgage payment in the amount of $1,316.46, less unapplied funds in the amount of $1,251.32, for a net amount remaining due of $Attached for your ease of reference is a copy of your loan payment history as well as the loan servicing system payment codes and definitions outlining each of the above referenced paymentsBecause CMS understands that the loan payment history can sometimes be difficult to read especially when partial payments are consistently received by CMS, a summary of your loan payment history is also attached for your ease of reference
Please note that 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
Finally, please be advised that pursuant to Consumer Financial Protection Bureau (“CFPB”) guidelines, CMS is required to suppress the reporting of loan and payment information to your credit profile for a period of sixty days after receipt of a qualified written request and/or a Notice of Error
Based on the foregoing, we believe the record is clear that CMS has properly notified you of the service transfer to CMS by mailing the Hello Letter to you at the mailing address on fileIt is also clear that CMS has not required you to pay any additional payments beyond what you were required to pay under the terms and conditions of your Promissory NoteWhile CMS is unable to comment on whether or not you personally received or viewed the numerous notices CMS sent to you upon their delivery to the mailing addresses of record, CMS respectfully submits you have been properly notified of the increase to your August 1, mortgage payment as well as the delinquent status of your loan on numerous occasions
Please know that CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you wish to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at *** ***, Monday through Friday, from 8:00AM to 8:00PM, Eastern TimeYou can also send written correspondence including inquiries and complaints about your mortgage to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** *** or fax your correspondence to *** ***
We trust that this communication addresses all of the concerns noted in the complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Eastern Time
Sincerely,
*** ***
Customer Advocate
CC: Revdex.com
IMPORTANT DISCLOSURES
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or by calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at ***
-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
-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 ***
-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
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-SCRA DISCLOSURE-
MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***
***:
Notice to *** Residents: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE *** DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, *** *** *** *** *** *** *** ***A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT ***

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,
*** ***

I have paid the mortgage in full and Carrington Mortgage services refuses to release the deed and send a satisfaction of mortgage to the county deeds officeI have contacted them over timesS.Cstate law requires the deed be released and satisfaction of mortgage be sent by days after the mortgage is paid in fullI paid it on Jan.25th It has been over days since the mortgage has been satisfied

Please see the attached Response Letter and
all Supporting Documentation. July 28, 2015*** ** *** ** *** *** ** *** RE: Loan No.: ***Borrower: *** ** ***Property Address: *** *** *** ***Complaint I.DNo.:
*** Dear Mr***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of a complaint filed with the Revdex.com ("Revdex.com") regarding the above-referencedloan received in our office email on July 6, CMS is committed to responsiblelending and servicing and we would like to address any concerns you may haveThe followingis our response to the issue(s) raised in the inquiry. In response to your request that CMS's Chief Executive Officer ("CEO") personally respond toyour recent correspondence, please be advised that all complaints delivered to executivemanagement are responded to by the Customer Advocate DepartmentMembers of executivemanagement are not available to personally respond to your complaint, but task the Advocateswith ensuring that concerns that are raised by borrowers are addressed to the fullest extentpossible. At the outset, please note that the servicing of this Federal Housing Administration ("FHA")insured loan was transferred from *** ** *** *** ("***") to CMS on April 2, 2015.On April 6, 2015, CMS issued you the attached Notice of Service Transfer ("Hello Letter")notifying you of the service transfer to CMS. At the time of the service transfer your loan was contractually current and showing due for theApril 1, mortgage payment in the amount of $1,This payment was made up of aprincipal and interest amount of $1,and a monthly escrow collection in the amount of$At the time of the service acquisition, your unpaid principal balance was in the amountof $178,and your escrow account contained a balance in the amount of $129.07. A review of our records found that on April l0, 2015, you contacted CMS and during this phoneconversation, the CMS representative provided you with the status of your loanThe CMSrepresentative notified you that the above referenced Hello Letter was sent to you and alsoprovided you with the various methods to remit your April 1, payment to CMSThe CMSrepresentative also provided you with the amount of your mortgage payment, the payment duedate, and the fact that you could access CMS's website to make mortgage payments at no cost toyou. On April 18, 2015, CMS issued you the attached mortgage statementThis mortgage statementalso provided you with loan and payment information, the status of your loan and the fact thatyour loan was showing due for the April 1, mortgage payment in the amount of $1,395.57.Our records confirm that CMS received no payment from you during the month of April 2015.On May 5, 2015, CMS disbursed the mandatory payment of your April FHA MortgageInsurance Premium ("MIP") in the amount of $This disbursement brought your escrowaccount balance to $49.32. On May 6, 2015, CMS issued the attached Notice of Intent to Foreclose ("NOI")This noticeexplained that the loan was in default for the non-payment of the April 1, contractualpayment and provided $2,as the amount required to cure the delinquencyThis letter alsonotified you that failure to cure the delinquency within thirty days may result in acceleration ofthe sums secured by the Mortgage and in the sale of the property. Please be advised that the NOI is a system generated letter that is issued for every loan that hasbecome past due for more than thirty one (31) days and is required by law prior to any initiationof foreclosure proceedingsWhile CMS apologizes if you felt its efforts to assist you inresolving this past due loan were threatening in any way, as CMS's intent has been solely tocomply with applicable law, to attempt to make arrangements to resolve the accountdelinquency, and to transmit accurate information regarding the consequences of any failure todo so. On May 12, 2015, an Unauthorized Third Party ("UTP") who identified herself as your spouse,*** ***, contacted CMS and requested to make a phone payment to satisfy the April1, mortgage payment and one-half of the May 1, mortgage paymentAlthough theCMS representative was unable to disclose loan information to the UTP because CMS had notreceived your authorization to share account information with her, the CMS representativeoffered to process a phone payment for the customary phone payment fee of $The UTPrequested that CMS waive the phone payment fee, and the CMS representative declined theUTP's request and provided the alternate no-cost methods to make the mortgage payment. Because the CMS representative declined the UTP's request to waive the customary phonepayment fee, the UTP then requested to speak to a CMS supervisorThat day, a CMS supervisorspoke to the UTP without disclosing loan or payment information and agreed to accept a phonepayment in the amount of $1,for your loanCMS would like to point out that as anexpression of its commitment to the highest standards of customer satisfaction CMS waived thecustomary $phone payment fee for this transaction as a one-time courtesyThe CMSsupervisor encouraged the UTP to have you send CMS written authorization, including a ThirdParty Identifier/Passcode, allowing CMS to speak with the UTP at your earliest convenience.That day, CMS applied the $1,to the April 1, mortgage payment in the amount of$1,and the remaining $was held in an unapplied status until the time that CMSreceived additional funds to satisfy the May 1, mortgage paymentAfter the application ofthese funds, your escrow account contained funds in the amount of $and your principalbalance was $178,Later on May 12, 2015, CMS issued you the attached mortgagestatement showing you that the April 1, mortgage payment was satisfied and the remaining$was held in an unapplied status. On May 27, 2015, CMS completed an initial escrow analysis for your loan and issued you theescrow analysisThe escrow analysis projected total annual escrow disbursements in the amountof $3,832.72, which includes a hazard insurance premium in the amount of $644.00, propertytaxes in the amount of $2,230.64, and MIP in the amount of $RESPA guidelines limitthe amount of funds a loan servicer may require a borrower to hold in an escrow account,commonly known as an escrow cushionAlthough RESPA does not require the lender tomaintain a cushion, RESPA does allow a loan servicer to maintain an escrow cushion equal totwo months (one-sixth) of the amount of the total annual disbursements paid out of an escrowaccount. Because the total annual escrow disbursements for your loan not including the annual MIPpayments have been projected to be $2,874.64, your escrow account is required to have aminimum of $at all times ($2,divided by equals $479.10)Based upon theprojected disbursement date of your annual hazard insurance premium and the projected date thatyour property tax payments are disbursed, CMS determined that your escrow account will have abalance of $in March Because you are required to have $in your escrowaccount at all times, CMS determined that your escrow account will contain an escrow shortagein the amount of $at that time ($minus $equals $229.91). In order to prevent any undue hardship, CMS has spread the escrow shortage of $over aperiod of twelve months which resulted in an increase to your monthly mortgage payment from$1,to $1,effective with the August 1, mortgage paymentFor your ease ofreference, a breakdown of the August 1, mortgage payment is outlined below. Principal and Interest: $ 1,066.10Base Escrow Collection: $ ($3,divided by 12)Monthly Escrow Shortage: $ ($divided by 12)August 1, Payment $ 1,404.64On June 5, 2015, CMS disbursed $from your escrow account for the payment of your May1, FHA-MIP paymentAfter this disbursement, your escrow balance was $OnJune 6, 2015, CMS was not yet in receipt of written permission to speak with any UTP when thecaller identifying herself as Ms*** again contacted CMSThe CMS representativereminded the UTP that CMS must be in receipt of written permission from you including a ThirdParty Identifier/Passcode, allowing CMS to speak with herThe UTP again requested to speakto a CMS supervisor. A CMS supervisor then spoke with the UTP and reiterated CMS's policy requiring receipt ofwritten permission including a Third Party Identifier/Passcode in order to disclose loaninformation to any UTPThe UTP agreed to have you send such written authorization to CMS atyour earliest convenienceOn June 8, 2015, CMS received written permission to speak with Ms.*** Backstrom as your Authorized Third Party ("ATP") and your loan was documentedaccordingly. On June 9, 2015, CMS received funds in the amount of $2,001.14, which were placed in anunapplied status bringing the unapplied funds balance to $2,($plus $2,001.14equals $2,CMS then applied the May 1, payment in the amount of $1,andthe remaining $was held in an unapplied status until the time that CMS received thenecessary funds to satisfy the June 1, mortgage payment in the amount of $1,Afterthe application of the May 1, payment, your escrow account contained funds in the amountof $and your principal balance was $177,960.57. A copy of the attached mortgage statement that CMS issued to you on June 9, June 9, 2015shows that after the application of the May 1, payment, your unapplied balance was in theamount of $On July 4, 2014, CMS disbursed $from your escrow account for thepayment of your June, FHA-MIPAfter this MIP disbursement, your escrow balance was$550.23. On July 9, 2015, CMS received funds in the amount of $1,which were initially placed inan unapplied status and brought your unapplied balance to $2,($1,plus $810.00equals $2,410.00)That day, CMS applied $1,to the June 1, mortgage payment andthe remaining $1,remained in an unapplied status until the time that CMS receivedadditional funds necessary to satisfy the July 1, mortgage payment in the amount of$1,On July 10, 2015, CMS issued you the attached mortgage statement outlining thepayment you made on July 9, 2015. As of the date of this letter, you loan remains in default for the July 1, mortgage payment inthe amount of $1,395.57, less funds held in an unapplied status in the amount of $810.00.Attached for your ease of reference is a copy of your loan payment history as well as the loanservicing system payment codes and definitions. While CMS is uncertain as to why you believe that CMS has improperly applied funds to yourloan, CMS is unable to locate any evidence of such misapplication of fundsMoreover, nopayments received from you have provided CMS with specific payment instructions.Regardless, CMS respectfully submits that all payments received from you have been properlyapplied to your loan.Contrary to your claim that CMS representatives have been rude to you or hung up on you,please be advised that, as callers are notified when calling, CMS's phone system automaticallyrecords the content of telephone callsDespite a diligent search of our records, we are unable tolocate a single piece of evidence to support your claims of unprofessionalismNevertheless, aninvestigation concerning your allegations will be conducted by CMS and CMS will takewhatever action necessary in light of our findingsWe sincerely apologize for any perceivedinappropriate communication that you believe may have occurred. We would like to take this opportunity to remind you that all payments are due on the first day ofeach month, and are considered late as of the second day of the monthIf the payment is notreceived by CMS on or before the sixteenth day of the month, a late fee will be assessed to yourloanAny payment received by CMS after the month in which the payment became due may bereported to the credit reporting agencies as delinquentWe encourage you to remit your paymentto CMS on the date that it becomes due to prevent late fees, or derogatory credit reporting forany unexpected issues that may arise when making your monthly mortgage payment. It is important to note that CMS is obligated by federal law to provide timely and accurate creditreporting in regard to the current loan status, payment history and loan informationWe havedetermined that the information reported to the major credit bureaus properly reflects yourpayment history and loan informationWe are, therefore, unable to make the requested changesto the reported information. Finally, if you are experiencing financial difficulty in paying the above referenced monthlycontractual payment, we encourage you to apply for mortgage assistance with CMSYou mayvisit CMS's publicly-available website online at *** to learn moreabout the program options and to upload the required documents electronicallyYour completeloan mortgage assistance application may be sent to CMS via fax at *** *** or via emailat ***. Based on the foregoing, we believe the record is clear that CMS has properly and promptlyapplied all payments received from you and has properly notified you of the resulting accountstatusIn light of the above, CMS respectfully declines your request to have the servicing ofyour loan transferred at this timeTo the extent that statements in your letter consist ofallegations of wrongdoing of any nature by CMS or otherwise, all such allegations are denied.Should you or your ATP wish to further discuss any aspect of your loan, CMS's CustomerService Department can be contacted at *** *** for further assistance.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at *** ***, Monday throughFriday, 8:00AM to 5:00PM, Eastern Time. Sincerely, *** *** ***CC: Revdex.com

In December and June Carrington Mortgage is stating that our monthly mortgage payments were late even though they were posted to the account in correct timeframeInyears we have never been late on a payment but ever since Carrington purchased our mortgage we have had issues with our account

January 20, 2015*** *** *** *** ** *** RE: Loan No.: *** Borrower: *** ** *** Property Address: *** *** ***, *** ** *** Complaint I.DNo.: ***Dear Ms***:The Customer Advocate Department of Carrington Mortgage Services, LLC ("CMS") is inreceipt of a complaint filed with the Revdex.com regarding the above-referenced loanreceived in our office via email on January 8, CMS is committed to responsible lendingand servicing and we would like to address any concerns you may haveThe following is ourresponse to the issue(s) raised in the inquiry.As you are aware, our Customer Advocacy Department originally received an inquiry from theRevdex.com on December 17, which raises the same issues as this complaint.Accordingly, the loan was researched and a response was sent to you by CMS on January 17,2015, a copy of which is included here for your ease of reference.Because CMS has previously researched this matter in detail and determined that CMSpermissibly and properly assessed late charge and property inspection fees to your loan, CMSrespectfully declines your request to waive the feesPlease note that while the January 17, IScomplaint response has provided you with more than thirty pages of supporting loan documents,CMS is not attaching another copy of the pertinent documents in an effort to avoid unnecessaryduplication of efforts.Finally, your most recent correspondence appears to be substantially similar, or even identical tocorrespondence previously addressed by CMS; accordingly, no further response from CMS isrequiredMoreover, because CMS has now addressed this issue on multiple occasionsCMSwill not respond to future correspondence raising substantially the same or identical claims.Based on the foregoing, we believe the record is clear that CMS has properly assessed latecharges and property inspection fees to your loan after your loan became delinquent pursuant tothe Security Deed and Promissory NoteShould you wish to further discuss any aspect of yourloan, we encourage you to contact our Customer Service Department at (800) -forfurther assistance.We trust that this communication addresses all of the concerns noted in the complaintIf youhave any further questions, please contact the undersigned at (866) 874-5017, Monday throughFriday, 8:AM to 5:PM, Eastern Time.Sincerely,*** ***Customer AdvocateCC: Revdex.com

This is a TERRIBLE mortgage company! I do not have anything positive to say what so ever I decided to split my payment one month and instead of applying it to my payment due, they decided to hold my funds in a suspended account without telling me Two months later, I happened to log onto my account and saw that it said I owed back payments! No warning, nothing! When I tried to resolve the issue, they told me over the phone I had to fax customer service a request to move the funds After doing so I called to follow up, they said I needed to fax them again Did so again Heard nothing Then I called to check on the status, assuming it would be handled as they had told me over the phone Nope, still showing my account was overdue I called again, and the customer service representative actually said to me that I had been "complaining ever since she picked up the phone"....REALLY? Of course I was complaining! Now my credit will show that I am behind on my loan even though I made all of my payments on time, I have called them multiple times to fix their mistake, and sent two faxes! The supervisor got on the phone with me and said, "I understand you are upset, but the rules for this just changed April 1st, my hands are tied." Rather convenient since I sent my (early) payment April 17th which started the whole mess!!!!!!!!!! I am absolutely LIVID!

I received a notice on or about December 3rd, from *** ** *** that they had sold my mortgage to Carrington Mortgage Services and they were no longer servicing my loanBy the third week of December, I still had not received anything from Carrington Mortgage so I used an address in the information from *** to send my December paymentBy January 12th, 2017, I still had not received any billing statements from Carrington Mortgage, so I called themThe representative (***) requested a payment for both December and JanuaryI advised that I had sent my December payment several weeks prior and it had cleared my checking accountShe did some research and advised me, they did receive my payment, just didn't post it to my account, she apologized and said she did not know why it wasn't posted and had it applied to my account that dayI also made a phone payment that day for my January mortgage paymentYesterday, January 25th, I received a certified letter from Carrington Mortga

Despite being provided with the appropriate information on different occasions, this company has continued to send harassing letters and has decided to purchase on my behalf, without permission, hazard insurance that is not needed as I already have it, and to include it escrow as part of my monthly payment

September 6, *** *** *** *** *** *** *** **
*** *** ** ***
RE: Complaint No: *** Loan
No.: *** Property Address: *** *** *** *** *** *** ** *** Dear Mr*** and Ms***: 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 August 21, 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 express concerns with the fees that have been assessed to your loan. Specifically, you are concerned with a fee in the amount of $that you state was included in your September billing statement, and a $fee charged by CMS when making payments on-line using the CMS websiteYou also express concerns with a fee in the amount of $that was assessed to your loan in July 2017, and claim that it took two months to obtain an explanation of this fee. Lastly, you request that CMS send you regular monthly billing statements As a preliminary matter, please note that our Customer Advocate Department originally received a complaint from you on July 12, filed with the Consumer Financial Protection Bureau (“CFPB”) which raises some of the same issues as this current complaint. Accordingly, CMS researched the loan and a response was sent on August 22, via the CFPB Portal. Please note that on this same date a copy of our response was also sent to you via regular mail. For your ease of reference, attached hereto please find a copy of CMS’s response dated August 22, Upon further review, the records show that a $fee was assessed to your loan on August 7, 2017. This fee was for an Automated Valuation Model (“AVM”) that provided a current valuation of the property. Please note that this property valuation was required in order to complete the reaffirmation formThe records show that you paid this fee on August 23, It is important to note that the $AVM fee and the $fee for the preparation of the reaffirmation agreement are loan servicing fees that are recoverable from you, per the terms of your Note and Mortgage. Attached for your ease of reference is a copy of your Note and Mortgage A review of your loan records shows that CMS began sending you billing statements as of July 5, 2017. As of the date of this letter, your loan is showing contractually current and due for the October 1, payment with no outstanding fees due. An updated billing statement was sent to you on September 6, via separate mail. This statement can also be viewed in the CMS website Finally, we would like to point out that CMS continues to make multiple payment options available to you at no cost including AutoPay, payment online through your banking institution, or payment by checkThus, while we understand you would prefer that the fees not be increased, we believe the increase is reasonable and fair under the circumstancesPlease be advised that you may access CMS’s publicly available website at https://carringtonms.com for a comprehensive list of the available payment delivery options and addresses to send mortgage payments to CMS Please know that CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you wish to contact CMS regarding the administration of your loan you may do so by calling our Customer Service Department at (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 Research Department, P.OBox 5001, Westfield, IN or fax your correspondence to (800) 486- 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 Enclosures 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 1-800-561-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 (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, 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 800-486-5134, or in writing to Carrington Mortgage Services, LLC, and Attention: Customer Service, P.OBox 5001, 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 (800) 561-4567, Monday through Friday, 8:a.mto 8:p.mEastern TimeYou may also visit our website at https://carringtonms.com/