Consumer complaint received 2023-10-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I sent this to Carrington Mortage ; Loan Number XXXX Who would I contact in reference to my escrow still being wrong its been wrong since XXXX and Ive been overcharged since XXXX {$880.00} a month since I cancelled my former homeowners policy and went with lender placed insurance which was not put into effect until XXXX. 
Im being told my escrow is based on projected costs for the coming year. How can you accurately ascertain what the projected costs will be is you are basing it on a homeowners policy that has been cancelled. The insurance company even provided a letter stating the policy has been canceled and it was not going to be renewed. And then in XXXX there was another escrow analysis in which the lender placed insurance was added into the total. So now my escrow is based on projected homeowners policies one projected policy and one projected property tax. 
My property tax its homestead exempt it will never change. My flood insurance went down {$200.00}. And since I canceled the homeowners policy that I had originally placed and went with one that you had placed obviously you know that it is {$65.00} a month that cant change unless you change it. 
After homeowners insurance premium was paid in XXXX the XXXX XXXX came through and brought my account to XXXX and brought my negative escrow balance to XXXX. Therefore the money that was put out to cover that policy has already been recovered by you in the form of that payment that the half XXXX made. 
I canceled the policy XXXX weeks after you renewed it. 
I have been repetitively trying to get someone to understand that that policy is canceled theres no projecting it ever into any type of future and escrow needs to be adjusted to reflect that as well as adjusted to reflect the addition of lender placed insurance which is {$65.00} a month. 
My current monthly escrow should reflect {$65.00} for homeowners insurance {$100.00} for property taxes and {$280.00} for flood insurance. A total of {$440.00} a month. Not the current {$1300.00} which my statement says is the escrow portion of my current note which is {$1700.00} a month. Principal is {$180.00} and interest is {$190.00}. 
My current monthly note should be {$820.00} not {$1700.00}. Thats a difference at {$880.00} a month. 
Since I canceled that homeowners policy in XXXX that means that you have over billed me {$880.00} a month for 10 months. Thats a total of {$8800.00} I have been over-billed this year. 
So how is it possible that I was being threatened with foreclosure when Ive been over billed {$8800.00}. 
I want an immediate refund on the escrow surplus and the note adjusted and lowered. 
I will be contacting HUD, filing a complaint with consumer financial protection and an attorney. 
If my note had been adjusted in XXXX to {$820.00} as it should have been due to the cancellation of the homeowners policy and the XXXX  XXXX bringing my account and bringing my escrow account to XXXX  also, to date I should have been billed for XXXX  a total of {$8200.00}. 
In XXXX I paid {$1100.00}. XX/XX/XXXX XXXX  XXXX paid {$6700.00}. That totals {$7900.00}. The entirety of what I would owe you for XXXX to XXXX at {$820.00} a month is a total of {$4100.00}. So when the XXXX payment was made at that point I had overpaid you {$3800.00}. So if you apply this overpayment to each statement as it arises monthly there is enough to cover XXXX XXXX notes. 
This means that XXXX XXXX XXXX and XXXX as well as half of XXXX were already paid at that point. 
So please explain to me how it is that I kept getting threatened with foreclosure. 
Please explain to me how its possible XX/XX/XXXX I was told that if I didnt bring the account current as of XX/XX/XXXX by making a payment of {$7000.00} I would be placed in foreclosure. 
If I wasnt being overbilled the entire year you already had enough in payments from me to cover through XXXX. So how is it possible that I was being placed in foreclosure if I didnt pay another {$7000.00}. 
And at the same time Im receiving letters from the home retention department telling me that they are working on making some type of an offer to me for a modification or something of that nature. And Im being assured that as long as the case is still open and they have yet to make an offer to me that I can not be foreclosed on until this process is completed I actually spoke to the lady on the XXXX who told me I would automatically before closed on XX/XX/XXXX and then sent a letter recapping that to one of the mitigation specialist in your office explaining to her what Im being told only for her to assure that they would have some type of an offer to me in the next week or twos I reiterated to her that I didnt have a week or two I barely had a day or two because the woman saying she was going to foreclose on me was XXXX  serious. 
I was forced into a position that I had to make a choice that I would not have made in reference what to do with my home because I feared losing everything through foreclosure on XX/XX/XXXX. 
Reality is XX/XX/XXXX I didnt owe you anything I was still paid ahead based on accurate escrow analysis and adjustment of my monthly note to what it should have reflected based on the real numbers instead of based on a policy that no longer existed. 
To this day they have yet to correct the escrow Who is it that I should speak to in order to get some type of resolution to the situation XXXX XXXX XXXX

Company response to consumer: Closed with explanation