Carrington Mortgage Services LLC

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

Payments made on time and not missed are being reported to the credit agency as missed or late

Absolutely horrible company that has no regard or concern for the customerI had no choice in my mortgage being bought by this pathetic excuse for a companyExtremely long waits for callsNow charges to make online payments when it used to be freeSends bills for wrong customers to my addressAssesses late fees even though the payment was applied on timeRefuses to truly listen to customers questionsJust read answers from a scriptThere really should be laws against selling mortgages to other companies without a customer approval

September 29,
*** ***
*** ***
F/K/A *** ***
* *** *** *** ** ***
RE: Loan No.: ***
Primary Borrower: *** ***
Co-Borrower: *** ***
Property Address: * *** *** *** ** ***
Complaint I.DNo.: ***
Dear Mr
and Ms***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of a complaint filed with the Revdex.com regarding the above-referenced loan received in our office via email on September 18, CMS is committed to responsible lending and servicing and we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry
As we understand the complaint, you state that after you sent CMS a Verification of Mortgage (“VOM”) request, you contacted CMS to inquire how long it would take CMS to provide your new mortgage lender with the completed VOMCMS notified you that it could take up to thirty days for CMS’s Customer Service Research Department to respond to your requestYou claim that your attempts to speak with the Customer Service Research Department were improperly denied as was your request to speak to a supervisor within CMS’s Customer Service DepartmentYou are dissatisfied that it could take up to thirty days to complete your VOM request
As a preliminary matter, CMS has confirmed that the servicing of your Federal Housing Administration (“FHA”) insured loan was transferred from *** ** *** *** (“***”) 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 CMSAt the time of the service transfer your loan was contractually current and showing due for the April 1, mortgage payment
A review of our records found that CMS received an initial VOM request from a representative of Homeowner’s Advantage on September 3, Along with the VOM request, CMS received the attached Borrower’s Certification and Authorization Form (“BCAF”) which is normally provided to loan servicers to release loan and information to an Unauthorized Third Party (“UTP”) such as Homeowner’s AdvantageAs you can see, this initial VOM request contained what appears to be an electronic signatureThis electronic signature did not match the signatures on any of your original loan documents
Please be advised that CMS requires that all requests to release loan and payment information to an UTP must contain the borrower’s actual signatureThis action is taken by CMS in an effort to protect the non-public private information of its customers and is within the bounds of federal, state and local laws and the related servicing agreementCMS respectfully submits that the practice to require a physically signed authorization form is common within the mortgage servicing industry
Because your signatures contained within the initial BCAF did not match any of the signatures affixed to one or more of your original loan documents, the VOM request was denied on September 3, On September 15, 2015, CMS spoke with you and notified you that in order for CMS to complete the VOM request, CMS would need to be in receipt of your physically signed BCAFOn September 16, which was almost two weeks after CMS received your initial VOM request, CMS received your new VOM request that contained your physical signatures matching the signatures affixed to one or more of your original loan documents
That same day, you contacted CMS and inquired whether CMS received your new VOM requestThe CMS representative was unable to view the new VOM request because it takes CMS’s Customer Service Research Department anywhere from twenty-four to forty-eight hours for to update the loan servicing system with the received VOM requestAccordingly, you were notified that the prior VOM request was rejected due to the fact that it contained an invalid signature; however, the CMS representative encouraged you to contact CMS in two business days to determine whether your new VOM request had been received
On September 18, 2015, CMS spoke with you and during this phone conversation you were informed that the new VOM request was not yet updated within the loan servicing systemDuring the call, the CMS representative explained that CMS typically responds to all written inquiries within no longer than thirty daysCMS is able to confirm that CMS does not typically take thirty days to respond to a VOM request, and we would like to take this opportunity to sincerely apologize for any inconvenience you may have experienced due to the miscommunication regarding our policies and practices
Later on September 18, 2015, you contacted CMS’s Customer Service Department and requested to speak to a supervisor in an effort to have the VOM form processing expeditedAlthough a CMS supervisor was unavailable at that moment, you were informed that a supervisor within the Customer Service Department would not play a role in processing the VOM requestYou were also notified that, while CMS has a number of employees tasked with handling borrower calls, CMS’s Customer Service Research Department employees conduct research only and do not handle such calls
On September 23, 2015, CMS spoke with you and a representative from Homeowner’s Advantage during a conference callDuring this phone conversation, the CMS representative verbally provided information to all parties regarding the original loan amount, date of the service transfer, the date your mortgage loan was opened, current due date, next due date, and payment amountCMS understands that many lenders will accept VOM information verbally
The following day, CMS issued your Authorized Third Party (“ATP”) with Homeowner’s Advantage the completed VOM form with all requested information completed to fax number *** ***This VOM request was completed within only six business daysRegardless, CMS sincerely apologizes that CMS did not return the completed VOM request to Homeowner’s Advantage sooner
In response to your concern that your call was not transferred to a CMS supervisor, an investigation concerning your allegations will be conducted by CMS and CMS will take whatever action necessary in light of our findingsAgain, we sincerely apologize for any inconvenience you may have experienced due to the fact that a CMS supervisor was unavailable to take your call at that moment
Based on the foregoing, we believe the record is clear that CMS properly rejected your initial VOM request as the VOM request did not contain a signature matching the signature affixed to one or more of your original loan documents and that CMS returned the completed VOM request within six business days of receiving your valid VOM requestShould 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
-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
-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 https://carringtonms.com/
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-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
-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 *** *** *** *** ** ***
-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 ***
NEW YORK:
New York City Department of Consumer Affairs License Number
This Collection agency is licensed by the City of Buffalo license numbers: &
City of Yonkers Debt Collection Agency License Number:
For New York residents: You may file complaints about CMS with the New York State Department of Financial ServicesYou may obtain further information from the New York State Department of Financial Services by calling the Department’s Consumer Assistance Unit at *** or by visiting the Department’s website at www.dfs.ny.govCarrington Mortgage Services, LLC is registered with the Superintendent of the New York State Department of Financial Services

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 *** *** *** *** ** *** * ***

October 23, 2017 Original Sent via U.SMail *** *** *** *** *** ***
*** ** *** RE: Loan
No.: ***the Complaint No.: *** Borrower: *** *** Co-borrower: *** J***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 September 28, 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 express dissatisfaction over the fact that your loan was previously serviced by *** *** Bank, N.A(“*** ***”) and that your loan was service transferred to CMSFurthermore, you allege that CMS charges its customers a fee for making payments to reduce an account’s principal balanceAdditionally, you express dissatisfaction with the service you received from CMS’s Customer Service Department practices in connection with some payment application issues that you have experienced with CMSMore specifically, you allege that you are attempting to make additional payments to your principal balance, yet CMS is applying those payments incorrectlyYour desired resolution is for your loan servicing rights to be transferred back to *** ***. At the outset, please note that the servicing of your loan was transferred from *** *** to CMS on or about November 2, At the time of the service transfer the loan was contractually current and due for the December 1, mortgage payment In connection with the service transfer, on November 11, 2016, CMS sent you a Notice of Servicing Transfer (“Hello Letter”)The Hello Letter was sent to your home addressFor your reference and review, a copy of the Hello Letter is attached hereto as Exhibit “A”The purpose of the Hello Letter was to advise you that CMS would start collecting your mortgage loan payments effective November 2, and to advise you that your prior servicer, *** ***, would no longer accept payments received from you after November 1, Additionally, the Hello Letter made you aware that, pursuant to the Real Estate Settlement Procedures Act (“RESPA”), CMS would not assess any type of late fee or report any delinquency for the first sixty (60) days following the effective date of service transferAlso included in the Hello Letter was your new CMS account number, the address to submit your monthly mortgage payments, the address and phone number to our Customer Service DepartmentLastly, the Hello Letter also enumerated the various methods available to you for making a payment and it included the processing fee for each method (if applicable), instructions on how to complete your payment, and instructions on how to create your online account on CMS’s website. In response to your request that CMS transfer the servicing of your loan back to the prior loan servicer; please be advised that CMS respectfully declines your request. We respectfully submit that loan servicing rights are routinely bought and sold in the marketplace; however, the servicing rights are owned by the originator of the loan and subsequent assignees rather than by individual consumers. That being said, CMS reserves its right, should CMS decide to do so, to transfer the servicing of your loan at a later date. In regards to your allegation that CMS charges its customers to make additional payments to reduce an account’s principal balance, CMS respectfully disagreesRather, CMS assesses payment convenience fees in conjunction with some of the payment methods available to its customersPlease understand that CMS strives to accommodate the needs of its customers, and we pride ourselves on our commitment to the highest standards of customer serviceWith that said, CMS does incur personnel-related and technology-related costs to make certain payment avenues available to customersThe payment convenience fees represent our attempt to include a reasonable fee to recover the costs associated with providing those bona fide servicesMoreover, we note that the fees at issue are permitted by law and are comparable to fees charged by other companies in the mortgage servicing industryFinally, 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 a payment convenience fee not be incurred, we believe that the fees listed above are reasonable and fair under the circumstancesFor a complete list of all of the payment options currently available and applicable fees (if any), we encourage you to visit our website at ***None of the fees imposed by CMS are dependent on whether payments are intended to be applied toward your principal balance. In regards to your dissatisfaction with CMS’s application of payments on your account, CMS has reviewed your CMS payment historyFirst, it is important to note that with regard to the application of payments, all payments are applied to a borrower’s account in accordance with the payment posting hierarchy established by the mortgage loan agreementMore specifically, all payments must be applied in the following hierarchy; first to satisfy a principal and interest payment due, second to any taxes and insurance payment due, then to escrow advances, then late charges, then corporate advances, then up to one (1) monthly mortgage payment in advance of the contractual due date, and any remaining funds are applied to reduce the principal balance It is worth noting that your account was set up for an AutoPay reoccurring draft, and pursuant to that reoccurring draft your monthly mortgage payment was withdrawn from your bank account on the first (1st) of the monthCorrespondingly, your monthly mortgage payments were satisfied by the AutoPay reoccurring draft payments on the first day of the month when the payments became dueThereafter, you would make an additional payment later in the month that you intended to be applied to reduce the principal balance on your accountPursuant to CMS’s suggested procedures, you would notify CMS that you were making an additional payment that you intended to be applied to principal balance on your account, and thereafter would contact CMS’s Customer Service Department, either by phone or online chat, and inform them that you would like the additional payment to be applied to your principal balance only, rather than by the aforementioned payment hierarchy In reviewing your account CMS has determined that in several instances CMS properly applied your payments per your instructions to reduce the principal balance on your account; however, there were also a few instances were CMS incorrectly applied your payments in accordance with the aforementioned payment hierarchy instead of in accordance with your directionCMS would like to take this opportunity to sincerely apologize for any inconvenience you may have experienced due to the occasional inadvertent errors In reviewing your payment history, we concluded that all payment application issues have since been reversed and reapplied per your request and that your account now accurately reflects how you intended your payments to be appliedFor you to review the payment application on your account we have attached a copy of your CMS payment history along with a copy of the definitions and transactions codes as Exhibit “B”If you find that any payments were not applied in accordance with your wishes, please do not hesitate to contact me directly at *** ***, and I will be happy to assist you with your request. Finally, pursuant to Consumer Financial Protection Bureau guidelines, we have suppressed your credit reporting for sixty (60) days upon receipt of your complaintIn other words, we received your complaint on September 28, and the sixty (60) days will expire on November 27, As a result, CMS will not report your account status to the credit reporting agencies until December If 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 your complaintIf you have any further questions, please contact the undersigned at *** ***, Monday through Friday, from 8:00AM to 5:00PM, Pacific Time Sincerely, *** J***Customer Advocate CC: Revdex.com Important Disclosures -VERBAL INQUIRIES & COMPLAINTS-For verbal inquiries and complaints about your mortgage loan, please contact the Customer Service Department for Carrington Mortgage Services, LLC, at *** between 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at ***/. -IMPORTANT BANKRUPTCY NOTIyou 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 REPORTImay 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 INFORMATIyou 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 (800) 877-8339, 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, *** ** ***. -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, QUALIFIED WRITTEN REQUESTS (QWR)-Written complaints and inquiries classified as Notices of Error and Information Requests or QWRs must be submitted to Carrington Mortgage Services, LLC by fax to ***, or in writing to Carrington Mortgage Services, LLC, and Attention: Customer Service, *** *** *** *** ** *** Please include your loan number on all pages of the correspondence. You have the right to request documents we relied upon in reaching our determination. You may request such documents or receive further assistance by contacting the Customer Service Department for Carrington Mortgage Services, LLC toll free at *** ***, Monday through Friday, 8:a.mto 8:p.mEastern TimeYou may also visit our website at ***/. New York:New York City Department of Consumer Affairs License Numbers: ***; *** & ***This Collection agency is licensed by the City of Buffalo license numbers: ***; *** &***City of Yonkers Debt Collection Agency License Numbers: ***; ***& *** For New York Residents Only: You may file complaints about CMS with the New York State Department of Financial ServicesYou may obtain further information from the New York State Department of Financial Services by calling the Department’s Consumer Assistance Unit at *** or by visiting the Department’s website at *** Carrington Mortgage Services, LLC is registered with the Superintendent of the New York State Department of Financial Services

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

January 6, 2015*** ** ***Gregory StreetNormal, IL 61761RE: 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 December 10, CMS is committed to responsiblelending and servicing and we would like to address any concerns you may haveThe foUowingis our response to the issue(s) raised in the inquiry.At the outset, please note that the servicing of this loan was transferred from JPMorgan ChaseBank N.A("JPMC") to CMS on or about December 3, Attached for your ease ofreference is a copy of the December 4, Notice of Service Transfer ("Hello Letter") sent toyou by CMS that notified you of the service transferAt the time of the service transfer yourloan was contractually current and showing due for the December 1, paymentA review of our records found that on July 17, 4, you contacted CMS and explained that youwould no longer be able to pay the mortgage payment as you were no longer employed and didnot receive any incomeYou went on to explain that the property was listed for sale for ninetydays and you received no offers to purchase the propertyIn an effort to assist you, the CMSrepresentative mailed you a blank mortgage assistance application and explained that you wouldnot be eligible for a loan modification until the time that you had an income.On July 31, 2014, CMS received your initial mortgage assistance application indicating yourdesire to liquidate the propertyOn August 5, 2014, CMS determined your initial applicationwas completeA review of your application confirmed that you were not receiving any incomeat the timeBecause you had no income, CMS would be unable to offer you any home retentionoptionsAccordingly, CMS issued you the attached Home Affordable Modification Program("RAMP") Non-Approval notice that provided you with additional information surrounding thenon-approval reason.That same day, CMS forwarded your mortgage assistance application to the liquidationdepartment to further process your request for mortgage assistanceOn August 6, 2014, CMSissued you the attached Pre-Foreclosure Inquiry- Information Disclosure that provided you withinformation surrounding the United States Department of Housing and Urban Development(HUD) Short Sale ("SS") program known as a Pre-Foreclosure Sale ("PFS").On August 11, 2014, you contacted CMS and inquired whether CMS received your mortgageassistance applicationThe CMS representative confirmed receipt of your application andinformed you that the SS was in review at that timeOn August 21, 2014, CMS ordered anappraisal of the property via the Equator Loss Mitigation Platform ("Equator').On August 29, 2014, CMS provided you with a status update regarding your request for aS andexplained that CMS was waiting for the completed appraisal to be returned to CMSDuring thisphone conversation, you acknowledged that you did not yet have any offers to purchase thepropertyThe CMS representative went on to explain that once the completed appraisal wasreceived, CMS would submit your SS request for approval.On October 27, 2014, CMS was not in receipt of the completed appraisalIn an effort todetermine the reason for the delay of the completed appraisal, CMS contacted the appraisalcompany via Equator and inquired into the reasons the appraisal was not yet completedOnNovember 4, 2014, CMS received the completed valuation.On November 20, 2014, CMS spoke with you and requested that you provide written permissionallowing CMS to discuss your loan with your real estate agent as well as a copy of the listingagreement for the property at your earliest convenienceThe CMS representative also informedyou that the appraisal returned a property value of $48,and you confirmed that theproperty was listed for $52,The CMS representative informed you that once you securedan offer to purchase the property, you would be required to update all information included inyour mortgage assistance application.On November 25, 2014, CMS received written permission allowing CMS to discuss your loanwith ME RealtyAt that time, CMS continued to request that you provide the listing agreementthat was requested from you on November 20, Because CMS appeared not to be in receiptof the required information, CMS issued you the attached SS non-approval notice that informedyou that CMS was unable to complete your SS request because CMS was not in receipt of therequested information.On December 5, 2014, CMS received your new mortgage assistance application indicating yourdesire to liquidate the property by way of aSSOn December 8, 2014, CMS spoke with you andconfirmed receipt of your new SS applicationOn December 10, 2014, CMS completed aninitial review of your application and determined that CMS appeared not to be in receipt of therequired listing agreementAccordingly, CMS issued you the attached Initial IncompleteAcknowledgement - Short Sale/Deed in Lieu ("DIL'') that required CMS to be in receipt of themissing information on or before January 9, 2015.On December 17, 2014, CMS spoke with you and during this phone conversation the CMSrepresentative requested that you provide the email address for your real estate agent so thatCMS could send your real estate agent an invitation within the Equator systemBecause youwere unable to provide CMS with your real estate agent's email address, you agreed to have yourreal estate agent contact CMS to provide the required email address.Later, on December 17, 2014, CMS was provided with your real estate agent's email address andextended an invitation to your real estate agent within EquatorThe CMS representative providedyou with information surrounding the SS process and the timeframes to complete the review ofyour SS requestOn December 22, 2014, CMS again spoke with you and informed you thatCMS appeared not to be in receipt of the missing information.Although you explained that the missing information was sent to CMS three times, CMS wasunable to confirm receipt of the information at that time and requested that you resend themissing information to CMS at your earliest convenienceThe CMS representative attempted totransfer your call to the SS negotiator that was processing your file; however, because thenegotiator was unavailable at that moment, you agreed to call back at a later timeThe CMSrepresentative provided you with the email address as well as CMS's online borrower portal asanother avenue to provide CMS with the missing information.While CMS regrets any inconvenience you may have experienced while contacting CMS, pleasebe advised that it is the policy of CMS and the investor of your loan that CMS verify youridentity, obtain the reason for default, property occupancy, and provide you with the status ofyour loan including the loan due date, total amount due, credit implications, and any Notice ofIntent to Foreclose (''NOI") that may have been issued to you while speaking to you on thetelephone.Upon receipt of your complaint, CMS completed a thorough review of your loan beginning withthe initial contact from you requesting mortgage assistanceAfter a diligent investigation, we areable to confirm that CMS was in receipt of the requested listing agreement on November 25,and due to a clerical error, the listing agreement was not documented as receivedWesincerely apologize for any inconvenience this inadvertent clerical oversight may have causedyou and thank you for bringing the matter to CMS's attention.It is important to note that pursuant to investor guidelines, all documents contained within yourSS application must be dated within ninety days of the date the SS approval is requested from theinvestorIn an effort to ensure that CMS is able to finalize the SS review as soon as possible, wehave requested that the SS negotiator complete a thorough review of your SS application toidentify any documents that may be outdated or will become outdated in the very near future.Accordingly, CMS has determined that your Request for Mortgage Assistance form ("RMA"),bank statements, and the required 4506T-EZ form have expired as each of these items are datedgreater than ninety daysFor your ease of reference, we have included blank copies of the RMAform and the 4506T-EZ formCMS is also not in receipt of the required printout of the onlineMultiple Listing Service ("MLS"), (a screen print of the listing on the MLS is acceptable)CMSwill request these updated documents directly from your real estate agent which should beuploaded into the Equator system as soon as possible.Notwithstanding the above, CMS ordered an appraisal of the property via Equator on December29, As of the date of this letter, CMS awaits receipt of the above outlined missinginformation and the return of the completed appraisalOnce CMS receives the missinginformation and the completed appraisal, CMS will appropriately finalize the review of your SSrequest in hopes that the SS request will result in an approvalShould CMS discover that anyadditional information is required at a later date, CMS reserves the right to request that youprovide any required information to CMS at that time.Based on the foregoing, we believe the record is clear that CMS is committed to assisting you inavoiding foreclosure and will continue to work with you to fmalize the SS requestAgain, wesincerely apologize for the inadvertent clerical error that led to CMS requesting information thatwas previously provided to CMSShould you wish to further discuss the SS process, weencourage you to contact our Home Retention Department at (866) 874-for furtherassistance.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, 8:00AM to 5:00PM, Eastern Time. Sincerely, *** ***Customer AdvocateCC: Revdex.com

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!!

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!

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

January 11,
Original Sent Via Revdex.com Portal and First Class Mail
*** ** ***
*** * ***
*** *** *** *** *** *** ** ***
RE: Loan No.: ***
Complaint ID #***
Borrower(s): *** ** *** and *** ***
Property Address: *** ***
*** *** *** ** ***
Dear Ms***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) and received in our office via email on December 14, As CMS is committed to responsible lending and servicing, we would like to address any concerns you may haveThe following is our response to the issue(s) raised in the inquiry
As a preliminary matter, although the above-referenced borrower has personally filed a complaint that requires CMS to respond via the same avenue of receipt, CMS has been notified that that your office is the borrower’s legal representativeAccordingly, CMS is responding directly to your office to address the borrower’s concerns
As we understand the complaint, the borrower is concerned that CMS is reporting his discharged mortgage to the credit bureaus inaccuratelyHe has also expressed dissatisfaction with the customer service he received because he feels that CMS has not returned his calls and has not connected him to a supervisor or the appropriate department to resolve the issues he has been experiencingIn particular, the borrower asserts that he has spent over one hour and twenty minutes on the phone with three different representatives who did not transfer him to anyone in chargeThe borrower has requested to speak to someone in charge regarding what he feels are poor business practices
At the outset, the servicing of this loan transferred to CMS on or about August 2, Attached is a copy of the Notice of Servicing Transfer (“Hello Letter”) dated August 3, The borrower filed for protection under a Chapter Bankruptcy, case number *** on September 16, On December 11, the court issued the attached discharge of all secured and unsecured debts listed on the borrower’s original petitionAs the borrower did not reaffirm the debt prior to obtaining the discharge, he is no longer personally liable to repay the discharged debtHowever, the discharge did not extinguish the lien on the subject property
In the complaint, the borrower has expressed concerns that CMS is reporting his discharged mortgage inaccuratelyCMS has completed our investigation and determined that the information reported to all four major credit bureaus, ***, ***, *** and ***, properly reflects the borrower’s credit statusCMS has also accurately provided the discharged mortgage information to the credit bureausOnce the information is submitted to the credit bureaus, the credit bureau is responsible for removing any data that should not be included in the credit reportAlthough the debt was discharged through the bankruptcy, the payment rating is not erasedTherefore, CMS respectfully disagrees with the assertion that it has reported the discharged mortgage inaccuratelyAttached please a copy of the information CMS sent to the credit bureaus with an Explanation of Codes and Frequently Asked Questions and Answers for your review
Next, the borrower contends that he was transferred to three different representatives and spent an hour and twenty minutes to get someone to assist with the issues he was experiencingWe acknowledge that CMS may, at times, experience an unusually high volume of callsConsequently, although CMS strives to answer all customer calls promptly, customers calling CMS may have occasionally experienced hold periods longer than we prefer while waiting to speak with a CMS representative or supervisorPlease know that CMS does everything in its power to speak with all customers and answer as many calls as possible within a reasonable timeframeNevertheless, CMS understands the borrower’s frustration and we sincerely apologize for any inconvenience or delays he may have experiencedWe will continue to improve on our services in order to offer a better experience for all of our customers
On or about December 14, 2015, the borrower contacted CMS requesting to speak to the Bankruptcy DepartmentThe CMS representative the borrower spoke to had difficulty verifying the borrower’s identityThe representative explained that in order to assist him, CMS needed to verify his identityAfter CMS was able to verify the borrower’s identity, the representative explained that the borrower would need to call back during business hours because the supervisor that he was trying to reach not working at that time
An hour later, the borrower contacted CMS requesting to speak to someone in the Bankruptcy Department to discuss a legal issueThe borrower was frustrated that he had to go through the verification process againAfter his identity was verified, the representative tried to find someone in the Bankruptcy Department to assist himThe borrower indicated that he had previously been placed on hold for fifteen minutes and the representative apologizedWhen the representative returned, she informed the borrower that his loan was not in an active bankruptcy and attempted to find someone else to assist himWhen she came back to the phone, he had hung upThen, the borrower called back and asked for the Legal Department’s mailing addressAfterwards, he requested to speak to an administrator or someone in chargeThe representative suggested that she would put in a request to have someone call him back within hoursThe borrower stated that CMS did not return his phone calls and has very bad customer serviceHe then requested to speak to a supervisorThe borrower’s call was then transferred to a supervisor
On December 16, 2015, CMS received a Cease & Desist from your office and notated the file accordinglyOn or about December 30, 2015, CMS received a credit dispute stating that CMS was reporting the loan inaccurately to the credit bureaus because the loan was current when the borrower filed Chapter BankruptcyAs stated above, CMS did report the loan accurately to the credit bureaus
We trust we have addressed the borrower’s concerns regarding the accountCarrington Mortgage Services, LLC is committed to customer satisfaction and we look forward to resolving any concerns the borrower may haveIf you have any further questions, the undersigned can be reached at *** *** Monday through Friday, 8:AM to 5:PM, Pacific Time

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!!!

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 *

Carrington did not offer automatic mortgage payment until a few months agoUnbelievably, enrollment in automatic payment can not be completed online; instead, the customer has to mail a form to a physical addressAfter doing so, I received no responseThis lack of communication seems typical of this mortgage servicer; they send statements and other correspondence irregularly, and their website is often out of service
I thought all was well until I received a notification from my credit report monitoring service that negative information has been put on my reportCarrington had reported me to the credit bureaus after I had "missed" two paymentsIn that two months there had been zero physical or electronic communication from them to me to indicate that payments were overdueInfuriatingly, a few hours after I noticed the hit to my credit, and after I had submitted a payment for the full amount, I did receive a debt collection phone call from Carrington; why couldn't they have m

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!

This was a long process mostly on my partDidn’t give up on me, Very patience and understanding very Happy to get out of an interest only loanThank You very much especially to Norman White who was always there for me Thank You again!

March 31,
ORIGINAL RESPONSE SENT VIA REGULAR MAIL
*** ***
*** *** *** ***
***, ** ***
RE: Loan No.: ***
Complaint No.: ***
Borrower: Estate of *** ** ***
Property Address: *** ***, *** ***, ** ***
Dear Mr
***:
The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) received in our office via email on March 7, 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 state that you submitted a copy of the Affidavit of Heirship of *** *** *** to CMS in an effort to notify our office of the passing of your mother and to be provided with access to the accountYou go on to say that you corresponded with a CMS Customer Service Supervisor who failed to escalate your documents and request to CMS’s Legal DepartmentAs a result, you believe that CMS’s actions and handling of your request have been unprofessional, illegal, and unethicalConsequently, your desired resolution is for CMS to update the account information to reflect your name and the name of your siblings and to provide you with confirmation of the same
As a preliminary matter, please accept this correspondence as confirmation that CMS has reviewed the Affidavit of Heirship of *** *** *** and added you as an authorized third party representative on the accountMore specifically, our records confirm that CMS’s Legal Department reviewed your request on March 7, and approved adding you as an authorized third party representative upon receiving a copy of your birth certificate and account passwordAs of the date of this correspondence, you now have the ability to call CMS for any issues or concerns you may have regarding the administration of the loan
Furthermore, with respect to your claim that CMS’s actions and handling of your request have been unprofessional, illegal, and unethical, please accept this correspondence as confirmation that CMS does not engage in any type of illegal activity or unethical practicesContrary to your allegation, CMS abides by all federal and state laws and believes that we have properly serviced the loan pursuant to the loan documents
Nevertheless, we would like to thank you for bringing this matter to our attention and allowing us the opportunity to resolve your concernsPlease know that CMS understands your frustration and we sincerely apologize for any inconvenience you may have experiencedSpecifically, CMS sincerely apologizes for any unprofessional customer service you believe you may have experienced during your phone calls to our officeRest assured that CMS strives to accommodate all reasonable customer expectations and resolve all customer requests as timely as possibleLastly, with respect to the delay, we believe that the underlying causes for the delays have been resolved and it is unlikely that you will experience similar delays going forward
In closing, please be advised that although you have been added as an authorized third party representative, CMS is still unable to change the name on the account to your name or any other name without a formal assumption of mortgageIf you are interested in assuming the loan, you can submit a loan assumption eligibility request to CMS’s Customer Service Research DepartmentUpon receipt of your request, CMS will review if the loan is eligible for a loan assumption and generate an Assumption of Mortgage packet for your reviewYou may submit your loan assumption eligibility request directly to our Customer Service Research Department via fax at *** ***Please make certain to include your name and the loan number on every page of your request
If you have any questions or concerns in regard to an assumption of mortgage, CMS strongly encourages you to consult with a reputable attorney of your choice for further assistanceUnfortunately, CMS cannot provide you with any legal advice
Finally, 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 the 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 the loan 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, *** *** ***, ***, ** ***, or by calling ***Please include your loan number on all pages of correspondenceThe CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC is toll free and you may call from 8:a.mto 8:p.mEastern Time, Monday through FridayYou may also visit our website at ***
-IMPORTANT BANKRUPTCY NOTICE-
If you have been discharged from personal liability on the mortgage because of bankruptcy proceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy proceeding, this letter is not an attempt to collect a debt from you but merely provides informational notice regarding the status of the loanIf you are represented by an attorney with respect to your mortgage, please forward this document to your attorney
-CREDIT REPORTING-
We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations
-MINI MIRANDA-
This communication is from a debt collector and it is for the purpose of collecting a debt and any information obtained will be used for that purposeThis notice is required by the provisions of the Fair Debt Collection Practices Act and does not imply that we are attempting to collect money from anyone who has discharged the debt under the bankruptcy laws of the United States
-HUD COUNSELOR INFORMATION-
If you would like counseling or assistance, you may obtain a list of HUD-approved homeownership counselors or counseling organizations in your area by calling the HUD nationwide toll-free telephone number at *** *** or toll-free TDD *** ***, or by going to ***You can also contact the CFPB at *** ***, or by going to ***
-EQUAL CREDIT OPPORTUNITY ACT NOTICE-
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection ActThe Federal Agency that administers CMS’ compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC
-SCRA DISCLOSURE-
MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediatelyThe federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate reliefFor additional information and to determine eligibility please contact our Military Assistance Team toll free at ***
-NOTICES OF ERROR AND INFORMATION REQUESTS-
You have the right to request documents we relied upon in reaching our determinationYou may request such documents or receive further assistance by contacting Carrington Mortgage Services, LLC at *** *** Monday through Friday, 8:a.mto 8:p.mEastern Time or by mail at *** *** ***, ***, ** ***
***:
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 ***

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