Carrington Mortgage Services LLC

As noted by a great many others, Carrington is the most disreputable, dishonest, and untrustworthy company I have ever been forced to deal with How the Revdex.com can give them a A+ rating while 97% of their reviews are negative along with complaints is beyond understanding My loan was sold to them effective November and since then its been nothing but implied threats and one hassle after another trying to deal with them Most recently I notice that my mortgage payment had increased by $ My taxes and insurance escrow payments to my former lender was $for Carrington showed a decrease to $for T & I in so my monthly payment should have gone down not up After paying my taxes and Insurance there was a surplus of $in escrow Turns out, in what I consider a violation of my mortgage contract, and federal or state law, Carrington arbitrarily, without prior notice of any kind, and without authorization, decided to impose what they refer to as a Escrow Cushion of $to my account although at no time have I ever been short on my escrow This unjustified monthly charge is what raised my mortgage rate Spoke with Escrow rep Cynthia who refused to provide her last name She stated Carrington has the right to charge an additional months worth of payment This is deplorable conduct on the part of a company I don't know what recourse I have, if any, but I will file as many complaints as I can

Carrington mortgage services was sold my loan from city finance
Mail a letter stated that everything is the same
January 2018, wrote a another letter stated that they were going to foreclose on our home
Send back any money received, if we continue to pay
Our loan was note late
The company Carrington mortgage services stated we did qualify to refinance due to other credit issues from credit card delinquent issues

On Jan 8, we put a contract on a house / propertyWe chose Carrington as our mortgage loan providerWish I would've researched them firstAt first they lost our paperwork for a month, they asked for crazy information, and to make a long story short we had to change banks after FOUR months of waitingWe had to resubmit the same paper work over and over after they lost our papers the first timeSo after the first month, we wait two more monthsResubmit requested paperwork....againThen after another month (total of four) the sellers decided they didn't want to continue extending our contract without a close dateThey refused to give us a close dateOn the last day of our contract, we are informed that the person in underwriting had up and quit a month agoSo our loan was in limbo for a month!!! There is zero communication with this companyAfter moving to another bank we are able to close within or so days since all the title work, appraisal and inspections are complet

Incorrect Mortgage Interest Statement Form Showing Taxes paid in of a minus $This information is not accurate due because of the stated amount have not been refunded to me or have access toI have a escrow surplus well over $and by Federal Law Carrington Mortgage is required to refund all monies over $The escrow surplus that I have accumulated was due to my real estate tax exemption status as a military veteran effective June 25,

I am writing on behalf of one of my customersShe is an elderly woman who had an insurance claim for her front doorIt has been nothing short of a nightmare to help her get a new doorWe have been given the run around by this companyI finally got the deposit for services, but am told we will not get the rest until after the job is complete and has been inspectedI was originally told the inspection would be 3-days from installI called prior to install to get it schedule for the same or day after the installationI called on 8/I was then told it would take 3-business days for the inspection company, to call me to schedule the inspectionIt has now been days and I have heard nothing from the inspection companyI called Carrington again and was told that they don't know when they will callThe girl sent an email to the department that orders these inspections but said it would be another day turnaround before they had any answerSo then it will be 6-days since inspection was requestedOnce inspected, we will have to wait another 24-hours for the inspection company to turn in a report to the mortgage companyThen they will have another 3-days to review the reportThen, we may or may not get paidMy client is an elderly woman who has a door that is falling apart and who is unable to close her door, let alone lock itI strongly believe that this company is taking advantage of its customers including the elderlyI have filed a complaint with the Attorney General for the State of Ohio and plan to file in CA as wellThis company is incompetent I am curious how a company with complaints has an A+ rating with the Revdex.com? How much are they paying for this rating?

I have been trying to get Carrington Mortgage to resume Reporting to the credit bureaus the mortgage payments after my Chapter Bankruptcy for quite some time with no success I have already provided the signed letter and borrower authorization within the same letter to permit Carrington Mortgage to resume reporting to the credit bureaus by my attorney Numerous attempts have been made to get someone on the phone who can help me in this urgent matter in a timely fashion To my surprise no progress has been made just empty promises
I tried many times to contact the Bankruptcy department
On 3/25/ I Faxed documentation provided by Attorney4/7/I Got confirmation that documentation was received and would get a response from bankruptcy department in writing within days, nothing was received I again followed up with a phone call to check the status on this matter I was advised that nothing was received and therefore no day response would arrive The Person on

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
As CMS as indicated, the error was made by them as follows: As
indicated in our prior response, the funds that were initially applied
to your account incorrectly due to a system error did not represent
payments made by you, and you were not entitled to the benefit of these
funds. Nevertheless, as an
expression of our commitment to the highest standards of customer
satisfaction, and in consideration of any inconvenience that this
misapplication and stop payment may have caused you, CMS agreed not to
pursue recovery of the remaining balance of $279.24, which resulted in a
$windfall credit to you. In
other words, you are free to keep those fundsBecause the matter has
already resulted in a windfall to you, we must again decline your
request for an additional $I DO NOT OWE CMS any money, the money they are referring to is in regards to the other loan in which the money should have been applied and not my loan. When I contacted CMS the representative stated they WOULD REFUND THE STOP PAYMENT FEE OF $AND NOW CMS IS BACKPEDDLING ON THEIR COMMITMENT TO REIMBURSETHEY ARE USING THAT AS AN EXCUSE TO DEFAULT ON A COMMITMENT TO REIMBURSE FOR AN ERROR MADE BY CMS TO WHICH THEY ADMIT WAS THEIRS AND NOT MINE
Regards,
*** ***

June 2,
*** *** ***
*** *** *** **
*** ** ***
RE: Complaint I.DNo.: ***
MLD Loan No.:
***
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”) regarding the above-referenced loan received in our office via email on May 7, 2015. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in the inquiry
As we understand your complaint, you claim that you were pre-approved by CMS for a Veterans Administration (“VA”) loan to purchase a home. You allege that one week before the transaction was scheduled to close CMS requested additional financial information from you which you provided promptly that same day, but that as of the date of your complaint you have not been provided a status of your loan application. In addition, you state that the scheduled closing date of April 30, has been extended to May 8, 2015, but you do not know if or when you will be provided a loan approval. You claim that if you are unable to close by May 8, 2015, your invested funds for the appraisal, property inspection and earnest money will be lost
Upon review, our records show that you initially applied for a VA loan with *** *** *** on March 17, in the amount of $370,in order to purchase a home located at *** *** *** *** ** ***. On March 26, 2015, your loan application was submitted to CMS for review and disposition. On April 6, 2015, the loan was conditionally approved. A copy of the approval letter which outlines the terms and conditions is attached for ease of reference. On April 27, 2015, the appraisal report was completed and forwarded to underwriting for review and approval. As of April 30, 2015, the loan transaction could not move forward as the appraisal report had not been approved due to required revisions needed. On May 4, the underwriter requested the revisions that needed to be made to the appraisal report and on May 7, the revisions were completed. Your loan was cleared to close on May 8, 2015. Subsequently, the loan closed on May 12, and funded on May 14,
Based on the foregoing, we conclude that CMS processed your loan application in accordance with CMS and VA underwriting guidelines and completed the conditional requirements within a reasonable timeframe. Nevertheless, we acknowledge, that CMS missed opportunities to communicate better with you during this process and would like to take this opportunity not only to express our sincere apologies for the inconvenience that you may have experienced in this matter, but also to thank you for bringing this matter to CMS’s attention. CMS is always looking for ways to improve service levels and your feedback is important us
We trust that this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Pacific Time
Sincerely,
*** ***
Customer Advocate
CC: Revdex.com

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 have attached my own tracker of payment where it shows that at any other time when the Escrow analysis was conducted money from my principal was taken to add towards escrow shortage 2009-why now?Also there is the history from the last months.]
Regards,
*** ***

Very Quick and seamless process

I am a disabled veteran (U.SNavy) and I used my VA Home Loan to purchase my homeOnce we were in our home for a year (Aug2015), I received a letter in the mail from Carrington stating that we no longer has homeowner's insurance & were now covered under them (w/ minimal coverage than what we had from our previous insurance company) & our mortgage increased by $200!! Appears to be a "workaround" since I had a fixed rate from my VA Home LoanI contacted my insurance agent, *** *** (***, *** *** *** ***) & she advised me that she sent in the renewal insurance to Carrington on several occasionsI contacted Carrington and of course, they stated they have never received anything! So, they increased my mortgage & this unexpected increase has caused me a financial hardshipLast October, I got behind on my mortgage payments & applied for assistance, which Carrington declined! This mortgage company has very unethical practices; they fin

I have been paying my Mortgage via online bill pay for months without issueIn July, that payment was returned to my bank as uncollected, for unknown reasonsAs soon as the funds were returned to my account, I issued payment again, and contacted the lender
They had no idea why the check was returnedI was told if I could prove that my bank had issued a payment, they would remove the feeI was given a person to work with (***) and a fax number for my bank to send the proof toI did so, and heard nothing more regarding the affair
Nearly a month later I received a letter in the mail stating they still wanted a late fee of dollarsOnce again I called the companyI was told they changed their mind about waiving the feeThey had lost, misplaced, or discounted the original proof of paymentI asked if I could provide proof of payment again, and I was told it wouldn't matterThey will not waive the fee, even though I was not at fault
They are simply trying to collect

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
Regards,
*** ***

I was recently transferred from Bank of America receiving my first statement dated 9/14/ I then received the Customer Help Ref to set up an online account
Upon doing so immediately - my account was already flagged
I tried numerous times after that - still flagged Then suddenly I receive not copy - but copies of the same exact letter - Notice of Intent dated days later - 9/without even a chance to make a payment by 10/ Seriously ??????
Today, I finally had a chance to call during your hours - which coincidentally are the same as mine and almost impossible for me to make phone calls for personal business I was answered by Terrance, I believe, .....I wanted to make a payment
He said my account was flagged (or in so many words) and I had to pay in full the past due balance, otherwise I could not make a monthly paymentIf I wanted to pay in full, I had to send a certified check in the full amount Questions he asked? Do I live there ? What are my intentions for the property ?? All I wanted to do was make a payment to my account
I never had these problems with Bank of America and I went thru bankruptcy & a loan modification with them They accepted my payments !!!
I haven't been a customer for even a month with Carrington & I get treated like this ???
I called to make a payment to my account - what company doesn't wish to take a payment especially when one is due???

The following *** *** insurance claim checks were mailed - unendorsed - with the appropriate documentation to CarringtonCheck 1: $2270.48, dated 9/11/Check 2: $1396.64, dated 12/14/($total) Check 3: $9967.23, dated 1/26/($total) Check 4: $dated 2/15/($total) Check for $2547.25, dated 3/18/16, was mailed back unendorsed, stating the claim is over $10KHowever, the claim exceeded $10K with the 3rd check two months ago in JanuaryI was not expected to endorse the first three checks; Carrington endorsed, returned, and I deposited and paid my contractorsI included the estimate, as previously requiredBut before now, no photographs were previously required; no contractor bids/estimates were necessary, nor was an Affidavit of Loss Draft Claim neededThis process began in August, and we are anxious to have the job completedIt is our responsibility to order replacement kitchen cabinetry which we are unable to do without these fundsThis is why we need the check endorsedAdditionally, a sixth check is in the mail for other subcontractors who are waiting to be paid in a timely manner, without the hassle of this red tapeThe final check will not be sent until all work is finishedFeel free to contact our contractor...He has been paid in the amount of $AND $E-mail or call our flooring subcontractor...He has received $6043.08.Desired Outcome: Endorsement of all future insurance claims checks to expedite payment to contractors for services rendered

February 16, Original Sent via Email *** *** *** *** *** *** ** *** RE: Loan No.: *** Property
Address: *** *** *** *** ** *** Complaint No: *** Dear Ms***: The Customer Advocate Department of Carrington Mortgage Services, LLC (“CMS”) is in receipt of your complaint (“Inquiry”) filed with the Revdex.com (“Revdex.com”) received in our office electronically on January 27, 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 This notice is intended only for the person(s) to whom it is addressed. Please do not read or copy this notice if you are not that person(s). If you received this notice in error, then please notify CMS immediately, and return the notice to us as soon as possible For further information please contact: Carrington Mortgage Services, LLC Attn: Customer Service Department *** *** *** *** ** *** Telephone *** *** Please note that this letter and the related documents are provided for informational purposes only, and in response to your inquiry. As we understand your Inquiry, you claim that following receipt of an escrow analysis on December 30, 2016, a payment in the amount of $was processed through the CMS online website on January 3, in order to cover the escrow shortage on your loan (“January 3, Payment”). However, you inquiry states that on January 10, 2017, the funds were instead applied towards the principal balanceYou state that you spoke with a CMS representative by telephone on January 20, 2017, who advised that the funds would be applied to the escrow shortage, and that a new analysis would be completed. You further state that follow up calls were placed to CMS on January 20, 2017, January 24, 2017, and January 26, 2017, but that you are still uncertain when the funds will be applied to escrow and a new analysis will be completed Your Inquiry further claims that, due to CMS’s failure to apply the funds to escrow, your payment due February 1, will increase from $1,to $1,701.00. Your desired resolution is for CMS to apply the funds paid on January 3, in the amount of $to your escrow account, and to run a new escrow analysis before February 1, Our records indicate that on November 28, 2016, CMS processed a payment in the amount of $1,via Speedpay for your payment due December 1, 2016. On the same date, November 28, 2016, CMS sent you a letter (“November 28, Letter”), informing you that your request to begin CMS DirectPay was approved and the first draft would be on December 1, in the amount of $1,613.40. A copy of the November 28, Letter is attached for your referenceCMS then drafted a payment of $1,on December 1, that was applied to your January 1, mortgage payment On December 30, CMS performed an escrow analysis with an effective date of February 1, (“December 30, Escrow Statement”). A copy of the December 30, Escrow Statement is attached for your reference. The December 30, Escrow Statement notified you of a $escrow shortage that would become part of your monthly payment collected for a period of twelve months from February 1, 2017. On January 1, 2017, CMS drafted another payment of $1,613.40; however, because the amount was not sufficient to complete the full February 1, mortgage payment of $1,701.81, the funds were placed into unapplied funds. Our records indicate that on January 3, 2017, you called CMS to advise that you were not aware that a payment would be drafting on December 1, 2016, and also regarding the projected escrow shortage. On the same date, you processed a payment in the amount of $via Speedpay on January 3, (“January 3, Payment”). It appears that that you intended for the January 3, Payment totaling $to be applied towards your loan’s escrow shortage. However, on January 5, 2017, the January 3, Payment totaling $was applied to the loan as follows: $was applied along with the funds in unapplied as the February 1, payment of $1,701.81, and the remaining $was applied toward the principal balance. CMS apologizes for any inconvenience you may have experienced as a result of this inadvertent application of the funds in a manner other than you intended. On January 10, 2017, CMS reversed the previous transactions and placed a total of $2,in unapplied funds. CMS then issued you a refund check in the amount of $1,per your request, and submitted a reversal request in order to apply the $January 3, Payment towards the escrow account. A copy of the January 10, correspondence enclosing the refund check is attached for your reference Our records indicate that on January 20, 2017, January 24, 2017, and January 26, 2017, you spoke with CMS representatives via telephone, and were advised that the reversal request was still being processed, and that upon completion, a new escrow analysis would be sent to you by mail with your new payment amount and effective date. Following the January 24, call, the reversal request was escalated As outlined above, your inquiry was received electronically by CMS on January 27, 2017. Our records further indicate that on January 31, you again spoke with a CMS representative via telephone, and were advised that CMS would call you back to confirm that the reversal request was completed. On the same date, January 31, 2017, CMS completed the reversal, and applied $to your escrow account as you intended Accordingly, a new escrow analysis was performed with an effective date of February 1, (“January 31, Escrow Statement”), which removed the escrow shortage of $reflected in the December 30, Escrow Statement. A copy of the January 31, Escrow Statement Escrow Statement is attached for you reference Our records indicate that CMS spoke with you on January 31, to confirm that the reversal request was completed, and to provide you with the updated escrow amounts and projections. Accordingly, CMS considers this matter resolved We apologize again for any inconvenience you may have experienced as a result of this inadvertent failure to apply funds as you intended, and trust that this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Pacific Time Sincerely, *** ** *** Customer Advocate CC: Revdex.com

I am satisfied with the outcome, my refund has been received. Thanks,.*** ***

July 28, 2016 Original response sent via EMAIL *** *** *** *** *** *** *** *** ** *** ** *** RE: Loan
No.: *** Complaint No.: *** Property Address: *** *** *** **, *** ** *** Dear Mr*** and 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 July 1, 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 CMS inappropriately charged fees to your account and failed to properly disclose those feesYou also claim that the fees assessed are substantially higher than expected At the outset, our records show that your loan has been consistently past due since October of When an account becomes past due, CMS routinely orders property inspections to ensure the property has not been abandoned and has not fallen into disrepairThus, our records show that CMS completed several property inspections due to your loan falling thirty or more days past duePlease note that the costs for these inspections are recoverable from you per the terms and conditions of the Deed of Trust, under Uniform Covenants, Section 14, Loan Charges, Page Attached for your review is a copy of the Deed of Trust, which includes the following provision on point: Lender may charge Borrower fees for services performed in connection with Borrower’s default, for the purpose of protecting Lender’s interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys’ fees, property inspection and valuation feesAlthough this type of fee is assessed to the loan after the property inspection is completed, your monthly mortgage statements do provide a Transaction Activity section that clearly states when fees are assessed to your loan as well as the type of fee being assessed As of the date of this letter, our records indicate that you have been assessed a total of thirteen property inspection fees totaling $Below is an itemization of all property inspection fees relevant to your inquiry: Date Assessed Fee Amount Paid Fee Balance 12/16/$$$02/10/$$$03/16/$$$04/13/$$$07/01/$$$09/01/$$$10/28/$$$11/20/$$$12/15/$$...⇄ TOTAL: $ In addition to the property inspection fees mentioned above, the Note, at page 4, Section 7(A) under “Late Charges for Overdue Payments” states that a late charge will be assessed if CMS has not received the full monthly payment by the end of the grace periodA copy of the Note has also been attached for your review With regard to the application of payments to this loan as they pertain to fees, please note that payments are applied in the following manner in accordance with the terms of the Note: Principal, Interest, Taxes and Insurance, and Escrow AdvancesFinally, any remaining amount is applied to Late Charges, Corporate Advances, and Fees in that order On August 22, CMS received a payment in the amount of $1,Of this payment, $1,was applied to the August payment and the remaining $was then applied to the outstanding late feesPlease note, late fees were assessed in the amount of $due to the August 1, payment being received after the grace periodTherefore the remaining $was applied to late fees leaving a late fee balance due of $ On September 15, 2014, a payment in the amount of $1,was receivedOf this payment, $1,was applied to the September payment and the remaining $was then applied to late feesThis brought the late fee balance to $0.00. It is also important to note that you were not assessed a late fee for the month of September as your payment was received prior to the end of the grace period Please note that after the September 15, payment, CMS did not receive another payment until December 16, During this time, late fees were charged to your loan for the months of October and November in the amount of $each, for a total of $Pursuant to the security instrument for your loan, as long as your loan is past due any remaining amount left over after funds are applied towards a regular payment will be placed in suspense as unapplied funds until sufficient funds are received to satisfy all delinquent paymentsPlease refer to the previously referenced attached copy of your Deed of Trust On December 16, 2014, a payment in the amount of $3,was receivedThis payment was applied as follows: $2,was applied to the October and the November payments in the amount of $1,480.49, and the remaining $was applied to the suspense balanceOn or about March 6, your escrow account was analyzedThe March 6, escrow analysis was conducted due to the fact that CMS made a large disbursement from your escrow account towards delinquent property taxes in the amount of $13,Pursuant to the March 6, escrow analysis, your projected escrow disbursement for your escrow cycle beginning May 1, and ending April 30, was calculated to be $1,More specifically, the escrow analysis projected that your yearly homeowners insurance premium would be $1,Correspondingly, your total disbursements for your escrow cycle beginning May 1, and ending April 30, were calculated to be $1,015.00, which if spread over a twelve (12) month period is equal to approximately $every month Please note that a mortgage servicer is permitted by law to collect an escrow cushionAn escrow cushion is a minimum amount of money held in your escrow account to prevent your escrow balance from being overdrawnThe reason that escrow cushions are permitted is that, from time to time, payments for escrow items may become due in excess of funds available in the escrow accountBecause escrow items remain the borrower’s responsibility, lenders are permitted to collect an escrow cushion in case payments due for such items exceed available funds Specifically, the Real Estate Settlement Procedures Act (“RESPA”) authorizes a maximum escrow cushion not to exceed 1/6th (i.e., up to two months of escrow payments) of the total annual projected escrow disbursements made during an escrow cycle over twelve months, unless state law allows for a lesser amountAdditionally, when your escrow balance reaches its lowest point during the escrow cycle, that balance is targeted to be your 1/6th escrow cushion amountIf 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 *** Therefore, CMS is authorized to collect no more than 1/6th of your total projected escrow disbursement for your escrow cycle beginning May 1, and ending April 30, Please note that CMS opted to collect a 1/12th escrow cushion of your total projected escrow disbursement for your yearly homeowners insurance premiumCorrespondingly, the total escrow cushion that CMS may collect is $84.58, which represents one month of escrow payments It is important to understand that the March 6, escrow analysis also included the large disbursement that CMS made on your behalf for your delinquent property taxesConsequently, based on the calculations from the March 6, escrow analysis, your low point escrow balance was negative $13,As a result, in order to reach a low point escrow balance of $84.58, the 1/12th escrow cushion, CMS needed to collect an escrow shortage in the total amount of $13,($13,plus $equals $13,625.85)Please note that your escrow shortage was spread over a twelve month period starting with your May 1, mortgage paymentResultantly, that is the reason why your overall monthly mortgage payment increased by $1,138.95, from $1,to $2,Attached for your review is a copy of the escrow analysis for March 6, Please note that CMS did not receive another payment until May 29, During this time, late fees were charged to your loan for the months of December 2014, January 2015, February 2015, March 2015, April 2015, and May in the amount of $eachThis brought your unpaid late fee balance to $ On May 29, 2015, a payment in the amount of $4,was receivedThis payment was applied as follows: $4,was applied to the December 2014, January 2015, and the February payments in the amount of $1,each. The remaining $was then applied to suspense, increasing the unapplied funds balance to $ Our records indicate that you filed for protection under a Chapter Bankruptcy, case number 15-13621, on June 12, As you are aware, the court dismissed the case on June 24, for failure to file the necessary documents required by the court Please note that when CMS places a Bankruptcy flag on a loan, an adjustment is performed on the loan to show the late charges as assessed so that they can be properly included with pre-petition amounts due in a proof of claimAt the time of the June 12, bankruptcy filing, your loan was due for the March 2015, April and May paymentsFor this reason, on June 15, 2015, your late fee balance due was $ On July 1, 2015, CMS received another payment in the amount of $3,This payment was applied as follows: $2,was applied to both the March and April payments in the amount of $1,each. The remaining $was then applied to suspense, increasing the unapplied funds balance to $ Subsequently, as you are aware, on July 13, your bankruptcy case was closedOn July 30, 2015, the bankruptcy flag was removed from your loan and the aforementioned late fees in the amount of $would have in the ordinary course reverted back to an unassessed status per CMS policyInstead, the $in late fees were waived, reducing your late fee balance from $to $ Please note that CMS did not receive another payment until July 31, During this time, late fees were charged to your loan for the months of May and June in the amount of $eachThis brought your unpaid late fee balance to $Due to an inadvertent clerical error, CMS assessed a second late fee for the May paymentUpon discovering the inadvertent clerical error, CMS proceeded to refund you for a late charge in the amount of $69.96, notice of which was mailed to your attention on July 26, via regular mail On July 31, 2015, a payment in the amount of $4,was receivedPursuant to the March 6, escrow analysis, your payment was applied as follows: $2,was applied to the May paymentIn order to complete the June payment of $2,619.44, $was reversed from your suspense account and combined with the remaining funds of $2,The suspense balance, having been reduced by $418.86, was then $ On August 3, 2015, CMS performed another escrow analysisDuring the August 3, escrow analysis, your projected escrow disbursement for your escrow cycle beginning August 1, and ending July 31, was calculated to be $1,More specifically, the escrow analysis projected that your yearly homeowners insurance premium would be $1,Correspondingly, your total disbursements for your escrow cycle beginning August 1, and ending July 31, were calculated to be $1,015.00, which if spread over a twelve month period is equal to approximately $every month Again, it is important to understand that the August 3, escrow analysis also included the balance of the disbursement that CMS had previously made on your behalf for your delinquent property taxesConsequently, based on the calculations from the August 3, escrow analysis, your low point escrow balance was negative $10,As a result, in order to reach a low point escrow balance of $84.58, the 1/12th escrow cushion, CMS needed to collect an escrow shortage in the total amount of $10,($10,plus $equals $10,219.41)Please note that your escrow shortage was spread over a twelve month period starting with your August 1, mortgage paymentResultantly, that is the reason why your overall monthly mortgage payment decreased by $283.87, from $2,to $2,Attached for your review is a copy of the escrow analysis for August 3, Please note that CMS did not receive another payment until August 14, During this time, a late fee was charged to your loan for the month of July in the amount of $69.96, bringing your late fee balance to $ On August 14, 2015, a payment in the amount of $2,was receivedThis payment was applied to the July payment, leaving the loan due for the August payment On August 25, your loan was scheduled for a routine annual escrow analysisDuring the August 25, escrow analysis, your projected escrow disbursement for your escrow cycle beginning October 1, and ending September 30, was calculated to be $1,More specifically, the escrow analysis projected that your yearly homeowners insurance premium would be $1,Correspondingly, your total disbursements for your escrow cycle beginning October 1, and ending September 30, were calculated to be $1,015.00, which if spread over a twelve month period is equal to approximately $every month Again, it is important to understand that the August 25, escrow analysis also included the balance of the disbursement that CMS made on your behalf for your delinquent property taxesUnlike your prior escrow analyses, please note that CMS opted with the August 25, analysis to collect the maximum escrow cushionIn other words, CMS opted to collect a 1/6th escrow cushion as permitted by RESPAConsequently, based on the calculations from the August 25, escrow analysis, your low point escrow balance was negative $8,As a result, in order to reach a low point escrow balance of $169.16, the allowed 1/6th escrow cushion, CMS needed to collect an escrow shortage in the total amount of $8,($8,plus $equals $8,600.77)Please note that your escrow shortage was spread over a twelve month period starting with your October 1, mortgage paymentResultantly, that is the reason why your overall monthly mortgage payment decreased by $134.88, from $2,to $2,Attached for your review is a copy of the escrow analysis for August 25, Please note that CMS did not receive another payment until October 29, During this time, late fees were charged to your loan for the months of September and October in the amount of $each, bringing your late fee balance to $ On October 29, a payment in the amount of $4,was receivedThis payment was applied as follows: $4,was applied to the August and September payments in the amount of $2,each. The remaining $was then applied to the suspense balanceThis increased the suspense balance to $ Please note that CMS did not receive another payment until February 1, During this time, late fees were charged to your loan for the months of November 2015, December 2015, and January in the amount of $each, bringing your late fee balance to $ On February 1, a payment in the amount of $9,was receivedThis payment was applied as follows: $8,to the October 1, 2015, November 1, 2015, December 1, 2015, and January 1, payments in the amount of $2,each. The remaining $was then applied to the suspense balance of $bringing the suspense balance to $1,According to the payment hierarchy the total suspense balance of $1,was applied towards your escrow account On May 6, a Notice of Intent to Foreclose (“NOI”) was sent to youThe NOI addressed the payments due for February 1, through May 1, for a total amount due of $10,The NOI went on to state that subsequent payments, late charges, and other fees would be added to the above stated reinstatement amount as they were assessed On May 27, 2016, CMS received a call from you where you were advised of a total amount due of $10,It is important to mention that this amount included a late fee of $that was assessed after the May grace period had elapsedYou informed the CMS representative that you were only able to make a payment of $9,You went on to state that you would be able to pay the reinstatement amount when you received your bonus checkYou did not confirm the exact date you would be receiving your bonus, but you insinuated that you would most likely be able to pay by June 3, The CMS Representative went on to acknowledged the NOI that was sent May 6, The CMS Representative also advised you that the NOI would expire thirty days from the date of the letterThe expiration date the associate provided was June 6, You were advised that as long as the payment was received before the expiration date via certified funds that the payment would be acceptedYou were also advised of the June 1, payment that would be due before the NOI expirationThe CMS Representative continued by stating that subsequent payments, late charges, and other fees would be continue to accrue until the loan was brought current The CMS Representative also went on to offer loss mitigation assistance during the callYou refused the assistance by stating you would be bringing the loan current, although you were unable to provide the exact dateThe call ended with no solid payment arrangement On June 1, you placed another call to CMSYou stated you were obtaining a cashier’s check in the amount of $10,and would be mailing in the paymentThe CMS associate strongly recommended that you send the payment via overnight mail or Western UnionThe associate also provided you with the total amount due of $12,You then stated that you were going to overnight the payment of $10,and anticipated bringing the loan current by June 15, Please note that CMS did not receive another payment until June 6, By that time, late fees were charged to your loan for the months of February 2016, March 2016, April 2016, and May in the amount of $each, bringing your late fee balance to $1, On June 6, 2016, the payment of $10,was received and applied to your loan as follows: $8,was applied to the February 2016, March 2016, April 2016, and May payments in the amount of $2,eachThe remaining $1,was then applied to the suspense balance Please note that CMS did not receive another payment until June 30, During this time, a late fee was charged to your loan for the month of June in the amount of $69.96, bringing your late fee balance to $1, On June 30, 2016, our records show you made a payment in the amount of $2,via the Interactive Voice Response (“IVR”) system, which was applied to the June paymentAs a result, your loan was brought current through June Therefore, according to the payment hierarchy the suspense balance of $1,was applied towards the outstanding late fees totaling $1,and property inspection fees totaling $ That same day, after completing your IVR payment, you elected to contact CMS to inquire about the total amount due on your loanYou stated that you had just made a payment via the IVR systemAfter hearing the total amount due you followed the phone prompts to speak to a CMS Representative as you had questions regarding the outstanding fees due on your loanThe associate informed you that the amount stated on the IVR was for the June 1, payment of $2,along with late charges and uncollected feesYou then stated that the payment you made June 6, 2016, in the amount of $10,should have covered all delinquent payments and fees owed on the loanThe CMS associate stated that the NOI sent May 6, advised of subsequent payments, late charges, and other fees that would be added to the reinstatement amount as they were assessedPlease keep in mind that, per your previous conversations with CMS, you were provided this information as wellAttached for your reference is a copy of your July 1, 2016, statement which illustrates how the June 6, and June 30, payments were applied to your loan As of the date of this letter, the amount to bring your loan current with payments and fees is $2,This amount consists of your July 1, payment of $2,200.69, a late fee of $69.96, and property inspection fees totaling $ Furthermore, in an effort to lower your monthly mortgage payment, your escrow account was analyzed on July 25, During the July 25, 2016, escrow analysis, your projected escrow disbursement for your escrow cycle beginning August 1, and ending July 31, was calculated to be $1,More specifically, the escrow analysis projected that your yearly homeowners insurance premium would be $1,Correspondingly, your total disbursements for your escrow cycle beginning August 1, and ending July 31, were calculated to be $1,027.00, which if spread over a twelve month period is equal to approximately $every month Like your prior escrow analysis performed on August 25, 2015, CMS continued to collect the 1/6th escrow cushion as permitted by RESPAConsequently, based on the calculations from the July 25, escrow analysis, your low point escrow balance was $As a result, in order to reach a low point escrow balance of $171.16, the allowed 1/6th escrow cushion, CMS needs to collect an escrow shortage in the total amount of $Please note that your escrow shortage was spread over a twelve month period starting with your August 1, mortgage paymentResultantly, that is the reason why your overall monthly mortgage payment decreased by $703.31, from $2,to $1,Attached for your review is a copy of the escrow analysis for July 25, Based on the aforesaid investigation and review of your account, we find no evidence of wrongdoing on CMS’s behalfFurthermore our records are clear that CMS assessed late fees and property inspection fees pursuant to your mortgage loan agreementWith regard to your request for CMS to disclose all fees prior to collecting funds from you, please note that CMS does provide an itemized list of all outstanding fees inclusive of late charges and property inspections on your monthly mortgage statementAdditionally, please note that CMS is not obligated to disclose fees that will be collected from you in advance, but will assess fees pursuant to the terms of your mortgage loan agreement 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 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 *** -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 *** *** *** *** ** ***

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.This company has caused me at least $during 2016, including their automatically deducting a mortgage payment in January after being told to deduct no more payments. This resulted in several bounced checks for which I was charged a fee, plus a $stop payment charge and several visits to my bank to try to straighten out the errors committed by Carrington. Now they claim to have a consumer advocate department which is a joke. I am contemplating writing to the *** Attorney General about this companyCarrington owes me much more than the late fee I am requesting
Regards,
*** ***

June 17, *** ** *** *** ** *** *** *** *** *** *** ** *** RE: Complaint ID: *** Loan No.:
*** 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 email on June 1, 2016. CMS is committed to responsible lending and servicing and we would like to address any concerns you may have. The following is our response to the issue(s) raised in the inquiry As we understand your complaint, you allege that on two occasions CMS failed to properly process your auto-draft payments on your loan. You go on to say that you have made repeated attempts to resolve this matter with CMS, but as if the date of your complaint you have not been successful in obtaining a resolution. In addition, you state that when you called CMS on May 31, 2016, you were informed that CMS would not accept payments by phone, bank draft or personal checks for a period of twelve months, and you express concerns that CMS did not provide you with any prior notification of this change. Lastly, you allege that the CMS Website is showing inaccurate loan information on the payment history detail and state that no late payment reporting should be reported by CMS to the credit agencies on your loan At the outset, please note that the servicing of this Federal Housing Administration (“FHA”) insured loan was transferred from *** *** *** *** (“***”) to CMS on or about October 2, 2015. Attached for your ease of reference is a copy of the September 23, Notice of Service Transfer (“Hello Letter”) sent to you by CMS that notified you of the service transfer. At the time of the service transfer your loan was showing due for the October 1, payment. Please note that, while CMS began servicing the loan on October 2, 2015, the Real Estate Settlement Procedures Act (“RESPA”) at USC 2605(d) prevents CMS from treating any payment as late for any purposes until the expiration of sixty days after the effective date of the servicing acquisition. This sixty day period is specifically intended to allow the acquiring servicer the necessary time to receive the acquisition file from the prior servicer and to ensure the records of the acquiring servicer reflect the correct loan information. Included in that process are the reviews and complete post-transfer diligence and escrow analysis that are due within sixty days of the acquired date Upon review, our records show that your mortgage payments were set up on electronic auto-draft from your bank account with your prior servicer. As mentioned in the Hello Letter dated September 23, 2015, your auto-draft service was included in the service transfer to CMS. In addition, the information provided by the prior servicer indicates that the scheduled date to draft your monthly payment from your bank was scheduled for the tenth of each monthPlease note that the records show that this auto-draft service began on February 10, 2015. As such, all payments since then have been auto-drafted on the tenth of each month. Accordingly, on October 10, CMS auto-drafted a payment in the amount of $1,from your bank account. That same day, this payment was applied to your October 1, payment in the amount of $1,and $was applied to principal curtailment. Thereafter, on November 10, CMS auto-drafted another payment in the amount of $1,from your bank account. That same day, this payment was applied to your November 1, payment in the amount of $1,and $was applied to principal curtailment. On December 10, 2015, CMS auto-drafted a payment in the amount of $1,from your bank account. That same day, this payment was applied to your December 1, payment in the amount of $1,and $was applied to principal curtailment. On December 11, this payment was returned from your bank unpaid, and the reason for non-payment indicates non-sufficient funds (“NSF”). Accordingly, the December 1, payment was reversed and the due date of your loan was rolled back from January 1, to December 1, Subsequently, on December 14, 2015, CMS sent you notification that your December 10, auto-draft payment had been returned by your bank unpaid. Attached for your ease of reference is a copy of this letter. That same day, you called CMS and during this call the CMS Representative informed you that your December 1, payment that had been auto-drafted on December 10, 2015, had been returned unpaid by your bank and the reason stated was NSF. You informed the CMS Representative that you had made a payment already, using the CMS website on-line payment service to replace the returned payment. The CMS Representative explained that once your December 1, payment was received and applied to your loan, CMS would be able to resume the auto-draft service, and the next payment was scheduled to be drafted on January 10, 2016. Later that day, your payment in the amount of $1,was received by CMS. That same day, this payment was applied to your December 1, payment in the amount of $1,061.55, and $was applied to the NSF fee Thereafter, on January 10, 2016, CMS resumed the auto-draft service and drafted a payment in the amount of $1,from your bank account. That same day, this payment was applied to your January 1, payment in the amount of $1,and $was applied to principal curtailment. It is important to note that your monthly payment amount changed beginning January 1, from $1,to $1,per the escrow analysis dated February 26, 2016. Attached for your ease of reference is a copy of this escrow analysis On February 10, 2016, CMS auto-drafted a payment in the amount of $1,from your bank account. That same day, this payment was applied to your February 1, payment in the amount of $1,and $was applied to principal curtailment. On March 10, 2016, CMS auto-drafted a payment in the amount of $1,from your bank account. That same day, this payment was applied to your March 1, payment in the amount of $1,and $was applied to principal curtailment. On April 10, 2016, CMS auto-drafted a payment in the amount of $1,from your bank account. That same day, this payment was applied to your April 1, payment in the amount of $1,and $was applied to principal curtailment. On May 10, 2016, CMS auto-drafted a payment in the amount of $1,from your bank account. That same day, this payment was applied to your May 1, payment in the amount of $1,and $was applied to principal curtailment. On May 11, this payment was returned from your bank unpaid, and the reason for non-payment indicated NSF. Accordingly, the May 1, payment was reversed and the due date of your loan was rolled back from June 1, to May 1, 2016. Subsequently, on May 12, 2016, CMS sent you notification that your May 10, auto-draft payment had been returned by your bank unpaid. Attached for your ease of reference is a copy of this letter. That same day, CMS also sent you notification that the auto-draft service had been canceled, which stated the reason for canceling this service was due to NSF/Returns. Attached for your ease of reference is a copy of this letter. Thereafter, as no payment had been received from you in the interim, on May 18, CMS sent you a late notice that informed you your May 1, 2016, payment was past due and a late fee in the amount of $had been assessed to your loan. Attached for your ease of reference is a copy of this letter On May 31, 2016, you called CMS and spoke with CMS Representative *** ***, who informed you that your loan was showing due for the May 1, payment, and that the total amount due at the time was $1,126.54. You indicated that you were aware and that you were calling to pay the amount due on your loan using the payment by phone service. Ms*** explained that she could not process your request because your loan was showing that certified funds were required. Additionally, Ms*** informed you that the reason the certified funds requirement had been placed on your loan was that your payment history showed two payments had been returned by your bank unpaid within a six month period. More specifically, payments were returned unpaid by your bank on December 11, and on May 11, You expressed concerns that CMS had not provided you any prior notification about the certified funds requirement. Moreover, you indicated that the CMS website did not show a returned payment and that the payment history on the website showed that your last payment had been credited to your loan on May 10, 2016. Ms*** informed you that your May 10, payment had been returned by your bank on May 11, 2016. Ms*** also informed you that CMS had sent you two letters on May 12, which notified you of the returned payment, and that the auto-draft service had been canceled by CMS. You stated that the returned payments were not your fault, and alleged that the returned payments had been a result of errors by CMS who had processed your auto-draft payments on the wrong dates. Subsequently, Ms*** informed you that she was placing the call on hold to review your auto-draft information. Regrettably, when Ms*** returned to the call, the call was disconnected Later that day, you called CMS again and spoke to CMS Representative *** ***, and during this call you reiterated the same information that you had expressed during your call with Ms***. Additionally, you asked if the certified funds requirement could be removed so you could make your payment using the CMS phone pay service. Ms*** informed you that the certified funds requirement could not be removed and that you would need to make your payment with certified funds using *** *** *** *** (any location), *** *** or by mail with a money order or cashier check. Once again, you alleged that the returned payments had been caused by CMS who had processed your auto-draft payment on the wrong dates. In addition, you stated that you had tried to change the auto-draft date on the CMS website and also by calling CMS with no success. Ms*** reviewed your loan and informed you that your payment history showed that the auto-draft payments had been drafted on the tenth of each month by your prior servicer beginning February 10, and the date had remained the same after the service transfer to CMSAdditionally, Ms*** informed you that the CMS notes showed that you had called CMS on December 14, and May 31, 2016, and these records did not show that you had requested a change in the auto-draft payment date on your loan. Lastly, Ms*** informed you that the certified funds requirement would remain in in place for a period of six months until November 7, 2016. Subsequently, on June 2, CMS received a payment in the amount of $2,in certified funds. That same day, this payment was applied to your May 1, and June 1, payments in the amount of $1,each, $was applied to late fees, $was applied to NSF fees, and $was applied to principal curtailment. As of the date of this letter your loan is contractually current and showing due for the July 1, payment. Attached for your ease of reference is a payment history that shows payment and escrow transactions on your loan from May 2, to June 4, Lastly, we reviewed the CMS website due dates and payment history information for your loan from May 10, to June 3, for accuracy, and found the information reported on the CMS website for your loan to be accurate. That said, please note that the payment history detail on the CMS website only shows payments that have been applied to the loan and the breakdown of the payments. The payment history on the website does not show returned payment transactions or payment reversals. However, when a reversal is completed, as in this case, and the due date is changed, this change will be reflected on the CMS website accordingly. Below for your ease of reference is a summary of the due dates that the CMS website showed during the specified period, and a copy of your account web page information as of May 12, Based on the foregoing, we conclude that CMS has processed your payments in accordance with the established auto-draft agreement that originated with your prior servicer in February and transferred to CMS on October 2, 2015. In addition, CMS processed your payments in accordance with the established Payment Posting and Returned Item policies and procedures. Furthermore, we did not find any evidence to support your claim that CMS processed your auto-draft payments using an incorrect date. If you believe you have evidence that the auto-draft payment date of the tenth of each month is not correct, we invite you to provide whatever evidence you may have that supports your claim so we can review this matter furtherIn the absence of any such evidence, we believe the record is clear that the auto-draft payments have been properly processed by CMS. Finally, it is important to 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 information. We have determined that the information reported to the major credit agencies properly reflects your payment history and loan information. Therefore, no changes are needed at this time In closing, 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 We trust that this communication addresses all of the concerns noted in the complaint. If you have any further questions, please contact the undersigned at *** ***, Monday through Friday, 8:AM to 5:PM, Pacific Time Sincerely, *** *** Customer Advocate CC: Revdex.com -INQUIRIES & COMPLAINTS- For inquiries and complaints about your mortgage loan, please contact our CUSTOMER SERVICE DEPARTMENT by writing to Carrington Mortgage Services, LLC, Attention: Customer Service, *** *** *** *** ** ***, or 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 *** *** *** *** ** *** Texas: Notice to Texas Residents: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, *** *** *** *** *** *** *** ***. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT ***