Carrington Mortgage Services LLC

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

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/

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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I also have two $fees showing on papers sent by Carrington that were applied to my account on 12/30/and 10/31/for a total of $which I believe to be "property inspection" fees that were incorrectly charged to meI also would like to see verification that the interest on my loan, now that Carrington has correctly credited the missing payment that they determined to be from July 2015, to be recalculated so that I am not paying more interest than I owe ]
Regards,
*** ***

June 10,
ORIGINAL SENT VIA REGULAR MAIL
*** ** ***
*** ** ***
*** *** *** *** ** ***
RE: Loan No.: ***
Complaint No.: ***
Primary Borrower: *** ** ***
Secondary Borrower: *** ** ***
Property
Address: *** *** *** *** ** ***
Dear Mrand Mrs***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com received in our office via e-mail on May 15, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in your inquiry
As we understand your complaint, you allege that your loan was recently sold from *** ** ***, *** (“***”) to CMSShortly thereafter, you claim that CMS informed you that your monthly mortgage payment would increase by almost $in order to collect a two (2) month escrow cushionYou go to say that you disagree with CMS’s policy and feel you may not be able to afford your new monthly paymentTherefore, you want CMS to honor the same policies as *** and not collect an escrow cushion
At the outset, please note that the servicing of your loan was transferred from *** to CMS on or about April 2, At the time of the service transfer your loan was contractually current and next due for the April 1, payment
Based on a review of your loan, please be advised that on May 1, CMS sent you an Annual Escrow Account Disclosure Statement (“AEADS”)For your reference, a copy of the AEADS is attached hereto as Exhibit “A”The purpose of the AEADS was to advise you of your projected escrow activity for your escrow cycle beginning July and ending June More specifically, the AEADS projected that your yearly county taxes would be $3,and that your yearly homeowners insurance premium would be $Correspondingly, your total disbursement for your escrow cycle beginning July and ending June was calculated in the amount of $4,
Moreover, please note that a mortgage servicer is permitted to collect an escrow cushionAn escrow cushion is an amount of money held in your escrow account to prevent your escrow balance from being overdrawn when increases in disbursements occurThe Real Estate Settlement Procedures Act (“RESPA”) authorizes a maximum escrow cushion not to exceed 1/6th of the total annual projected escrow disbursements made during an escrow cycleAdditionally, when your escrow balance reaches its lowest point during the escrow cycle, that balance is targeted to be your 1/6th escrow cushion amount
Therefore, CMS is authorized to collect no more than 1/6th of your total projected escrow disbursement for your escrow cycle beginning July and ending June The total escrow cushion that CMS may collect is $
Currently, based on our calculations, your low point escrow balance is in the amount of -$As a result, in order to reach a low point escrow balance of $709.18, the allowed 1/6th escrow cushion, CMS will be collecting your current escrow shortage in the total amount of $Please note that your escrow shortage will be collected over a twelve (12) month period starting with your July 1, paymentResultantly, that is the reason why your overall monthly mortgage payment will increase by $for a total monthly payment in the amount of $1,starting with your July 1, payment
Additionally, if you cannot afford your new monthly mortgage payment, please know that CMS does offer various mortgage assistance programsIf you would like to explore the mortgage assistance opportunities that may be available to you, we encourage you to visit our website at https://***/hardship or call our Home Retention Department to speak with a representative at (866) 874-5860, Monday through Friday, from 7:00AM to 6:00PM, Pacific Time
As a result of our investigation, we found no evidence of wrongdoing on CMS’s behalfMoreover, as a reminder, RESPA does authorize a maximum escrow cushion not to exceed 1/6th of the total annual projected escrow disbursementsTherefore, CMS will continue to comply with federal law and collect the allowable escrow cushion
If you wish to have a better understanding of RESPA, escrow accounts, and your rights as a consumer, CMS encourages you to visit the U.SDepartment of Housing and Urban Development website at http://portal.hud.gov/hudportal/HUD
In closing, CMS remains committed to the highest standards of customer satisfaction and will continue to do the utmost to assist any customer with a complaintIf you wish to contact CMS you may do so by calling our Customer Service Department at *** ***, 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 your complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, from 8:00AM to 5:00PM, Pacific Time
Sincerely,
*** ** ***
Customer Advocate
CC: Revdex.com
-INQUIRIES & COMPLAINTS-
For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at ***
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-EQUAL CREDIT OPPORTUNITY ACT NOTICE-
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC
-SCRA DISCLOSURE-
MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** *** * ***

My mortgage was recently sold to Carrington against my willCarrington has been servicing my mortgage for a month now and they have not given me my account numberDespite multiple phone calls and multiple emails I cannot reach the companyTheir website cannot locate my account number, I sat on hold for minutes on two occasions, and I've sent two emails but neither was answeredI need my account number so I can pay before it is reported to the credit bureaus or I incur late fees

I had lost my job on 6/26/but in a short time was able to get another job but it pays $22,a year compared to $48,a yearBack in December I filed for a loan modificationI sent all the necessary paperworkAll the proofs and verifications they requestedI got a call later that month saying they were missing a paper and asked if I could fax them what was neededI faxed it to them and they called me back that same day telling me that received everything they needed and to just wait for a decisionIn the meantime the Federal Reserve came out and said they were raising ratesSo in January I get a letter saying that they did not have all the paperwork and denied my requestI talked to other banking institutes and they all told me that the only reason they did that was so they would have me apply at a higher rateThey will not work with me in good faithWith this new job it takes checks to pay my house payment of $a monthThey refuse to work with meI have paid

They use illegal tactics to make you pay more money on established mortgages, they are not a bank and do not put customers first I was unwillingly transferred to this company in the *** ** *** shuffle two months ago They constantly send advertisements for other mortgage services, they did my escrow months early and told me I'm short Then they want me to pay an $escrow cushion I hope they sell my loan, this company has been nothing but a month headache They also make you pay $to send your mortgage payment through their only payment vehicle, Western union...how shady is this company

Not the best mortgage company in terms of helpfulness of their staffMy mortage was sold to Carrington Mortgage in The first issue we had with them was that no one from Carrington told us that that they do not use our escrow money to pay our HOA billBank of America did this, and we were told by Carrington that nothing in terms of payment amounts, escrow etc would changeWe were then hit with a late fee from our HOA company because Carrington did not use our escrow money for itWhen I asked Carrington to reimburse me my late fee, the associate said Bank of America would need to that because they misinformed meThis is completely incorrect, I was hit with a late fee because Carrington did not communicate thisAnother issue I've had with Carrington is the absolute nightmare I have had trying to setup auto paymentsI set up auto payments with my old bank account over the phone, and then shut them down because I switched banksWhen I called to do this, I was told that they couldn't set up auto payments with the new account because it would take business days to complete the shut down of the old accountI went online to set them up, but the confirm letter I received after doing this was for a much higher amount than I entered on the online formI never agreed to pay that amount, I know for a fact I entered my mortgage amountAfter canceling that, I tried to call back to set up auto payments for the correct amount with my current bank and was told that there was no way they could set up auto payments over the phone, even though I am certain I did this previously with my old accountI was told that since I did not want to do the online form, I would have to get a form in the mail, complete it and fax it backAuto payments would then take another month to processThey make the auto payment process so difficult because they charge a $convenience fee do make a one time mortgage payment online, and they are attempting to get as many of those out of me as possibleI am so dissatisfied with Carrington Mortgage because their customer service is abysmal!!

My mortgage was sold to this company tooFirst of all the third party payment portal is WESTERN UNIONAt first I was not able to make an additional principal or escrow payment on my mortgage because they did not have the technologyI was told If I want to pay extra I wold have to mail the separate payment to a different addressThat seems convenient! After trolling the CEO on linked in and badgering him with failure to keep his software current The lack of customer service is less than poorThe company has no email address to write to an 8-customer service shiftI now have a $fee to pay my mortgage! I am ready to refinance just to get away from this sorry *** company!

Back in October/November our Former Home Owner Insurance company Billed Carrington Mortgage Services 1,for Home Insurance that was due Approx December 15th, That was double the current year and I was going to look for a cheaper one but was scheduled for Surgery about days after I was sent the notice By the time I was well enough to leave my residence for new insurance Carrington had paid I didn't know that at the time and got the other insurance which was about a month before the renewal was due I purchased the new insurance and notified Carrington and found out they paid the premium already and was too late to stop So I informed them that once I got the money back I will be sending it back to be placed in our Escrow account Towards the end of December 2017, I received said money back from former insurance company went got a cashier check for said amount wrote a note and wrote on the check to be placed in our account They placed it towards our mortgage

I re-financed my mortgage I was instructed by the loan officer to hold off on payment because the loan would close by the end of the month in September and I would be bringing to the closing the new payment amount That didn't happen and I was instructed to go ahead and make the payment that day to avoid getting it in past days late and I did The next month (October) the refinancing was still in process and I was told that I would be skipping two months and would require nothing at closing and my next payment would not be due until December At closing, on October 26th, I was informed that I needed the new payment of $ After questioning the amount based on what was told to me by phone, I was instructed to sign the documents and wait for further instructions after some research was done Later that evening, I was told that the new payment was needed and the next day, October 27, I made the wire transfer as instructed However, I recently received notificatio

On Thursday, December 8, I spoke with a Customer Svc Rep regarding Carrington taking over as my new loan servicer from *** ** *** effective 12/2/I explained to the rep that I had not received my "welcome letter/package" nor have I received a monthly billing statementI was informed by the rep that my written request is required in order for monthly statements to be mailedThe rep also explained that this was due to my ** filing in which was Discharged in In addition, I explained that B of A my previous mortgage servicer never stopped mailing my statements before, during, or after my ** filingSecondly, they (* ** *) continued to accept my payments as indicated on my ** Statement of Intention The rep then stated that she thought it was a “law” that billing statements cannot be mailed once someone files **I faxed a request to Carrington based on the reps request, to date I have not received a welcome package or a monthly statementMy account number is *

I wish I had never encountered Carrington Mortgage Services I am a first time home buyer & this was a WORST time homebuyer experience I've had my closing date moved times due to such issues as:
Underwritten on vacation- all files at a stand still
Oops, missing signatures from key players in your loan
And the list goes on
If you think Carrington cares anything about your family or your situation, please think again!

Just got a notice from Carrington that we are late, did not show a late fee but our payment went up $I am taking that as the late payment, never heard of such an atrocious amount!!! Our payment is the payment do now pretty large late fee I would say, is this even legal?

This company is the a predatory lender in the way they do business with consumersMy mortgage was sold to them by BofA whom I have never had issues withI cannot get a straight answer on anything I have requestedFrom Payment history to Escrow payments,

My account was sold from *** to Carrington and ever since, I have received tons of mailings and calls asking to purchase my homeCarrington has sold my contact information, which should be illegal and a violation of my privacyI received an "ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT - PROJECTIONS" and now required to have a balance in my escrow account at all times of $I was told by Kori, SrResolution Specialist, that is the law and a requirementI requested for the proof of an escrow analyzes and documentation that supports thisI've had this loan with *** since and had never been told or required to do such a thingNews to meThey are rude, unprofessional and disrespectful and being they are NOT a bank, rather brokers, in business to force you to refinance, sale or foreclose on the homeThey are in business to make money at ALL cost to YOU!!!

June 15, 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 May 26, 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 you already know, our Customer Service Research Department originally received your inquiry via facsimile on November 17, Please note that your initial inquiry raises the exact same issues as your current inquiryAccordingly, our Customer Service Research Department researched your loan and a response was sent to you via regular mail on December 23, For your reference, attached hereto as Exhibit “A” please find a copy of CMS’s response to your November 17, inquiry Furthermore, please understand that CMS is authorized to convert your personal checks into electronic paymentsSpecifically, CMS can convert your personal checks into a onetime electronic funds transfer from your bank accountAlthough CMS has the ability to convert your personal checks into electronic payments, please know that CMS does not have the authority or ability to alter or modify the routing or bank account numbers on your personal checks when converting to an electronic paymentIn other words, CMS will only process an electronic payment using the bank account information provided on your personal checksFor your reference, below please find a copy of the disclaimer that is included in every monthly mortgage statement as it pertains to electronic paymentsAdditionally, if you wish to have a better understanding of electronic payments and your rights as a consumer, CMS encourages you to visit the “Get Assistance” webpage of the CFPB website at *** With regard to your allegation that CMS converted your personal checks into electronic payments and debited your savings account and not your checking account, we are unable to find any evidence to substantiate your claimContrary to your allegation, our records indicate that CMS processed all of your payments using only the bank account information provided on your checksTo the extent that you believe that CMS incorrectly processed your payments and debited an incorrect bank account, we ask that you provide whatever evidence you may have of the purported processing error so that we may research your claim furtherTo expedite receipt of the additional information, please send it via facsimile directly to my attention at *** ***. In the absence of any such evidence, we submit that CMS has properly processed your payments using the bank account information provided on your personal checks and that our office did not alter or modify the routing or bank account numbers Based on the foregoing investigation and review of your account, we are unable to find any evidence of wrongdoing on CMS’s behalfConsequently, CMS respectfully denies your request for compensation and your request to waive the late fees assessed to your accountNevertheless, 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 your complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, from 8:00AM to 5:00PM, Pacific Time Sincerely, *** ** *** Customer Advocate CC: Revdex.com 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 ***, or by 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 https://carringtonms.com/ -IMPORTANT BANKRUPTCY NOTICE- If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loan If you are represented by an attorney with respect to your mortgage, please forward this document to your attorney -CREDIT REPORTING- We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations -MINI MIRANDA- This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States -HUD COUNSELOR INFORMATION- If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***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 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 *** -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 *** ***, Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** *** *** ** ***

Carrington Mortgage overpaid my property taxes by over $6k in December of I spotted this error by the escrow analysis that was sent to me They assured me that was the bill they received I contacted my county and was advised that they only sent a bill for $1, My county reimbursed Carrington the amount that they overpaid in which Carrington confirmed they paid the wrong account The statement they originally sent shows the $7,that they paid I was told by Carrington to not file my taxes until I received a corrected The company even put in the request for me to get it as soon as possible I was told I would have this by 3/2/at the very latest I called Carrington on 3/5/b/c it was still not showing online I was then told by *** that the request the company sent themselves was denied on 2/15/18, which they never called I was also advised that they would not send me a new one b/c what they paid was the $7, However, they were re