Consumer complaint received 2020-01-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am in Chapter XXXX Bankruptcy. The judge in the case ordered myself and Carrington Mortgage Services LLC. to work together to review my concerns about the issues I had with the transactional history provided by them, pending an upcoming court hearing. NOTE : Carrington Mortgage Services LLC. is A DEBT COLLECTOR. After filing my list with the court I waited to hear from Carrington Mortgage Services LLC.  XXXX XXXX XXXX, Senior Case Manager employed by Carrington Mortgage Services LLC. who had appeared in a prior hearing, as a witness on behalf of Carrington Mortgage Services LLC. Before exiting the courtroom he had given me his business card and I had texted him my number so we could review the transactional history. 
Three days after XXXX, Saturday XX/XX/XXXX XXXX XXXX, I get a text from XXXX XXXX XXXX. During the hearing he'd mentioned he was an attorney. I had reasonably expected that he was contacting me to go over the transactional history as the judge had required. I was not home and I had just sat down to have dinner in town. However to my surprise, no to my 'shock ', which was apparently what he had intended, and to my anguish and dismay, rather than contacting me to set a date and time to go over the transactional history, about my issues and answer my questions XXXX XXXX XXXX who ( as I discovered on the afternoon of XX/XX/XXXX is licensed with the Florida BAR , as an attorney BAR number XXXX ) attacked me with a prosecutorial diatribe about the hearing during as I had sat down to eat. I had no documents with me to even attempt to respond with. His very first text accused my of lying to the court. After 8 minutes of calling me and my deceased husband liars, ( XXXX XXXX ) I told him it was my sabbath and that he could send me what he was talking about but that it was my sabbath and we needed to do this another day. He 1st said OK but then continued to TEXT BULLY me even AFTER I ASKED HIM TO STOP asking him to please respect that its was my sabbath. asked him to stop. Before I told him I was turning off my phone I'd told him I'd already agreed to this another day and after 8 times of doing so he still would not cease and desist. He was actually not only trying to prosecute a case against me over text, by TEXT BULLYING and 'badgering the witness ', outside the court 's purview, he then began mocking my religious preferences. When I asked him to stop he then made a statement that I took seriously to be a THREAT TO MY SAFETY, commenting about KNOWINGING THE PLACES I'D LIVED, I recognized immediately that this was not information that I had provided to the court and I was now afraid he might be stalking me with dark intent. AT XXXX XXXX I FINALLY HAD TO TELL HIM I WAS SHUTTING OFF MY PHONE. I was scared and confused by that time and unsure what to do. I went online and looked up text bullying but everything I found had to do with minors. I was up half the night trying to find out what to do. The next morning I decided to file a request with the bankruptcy court for a restraining order and type done up but was still so shaken that by the time I arrive to the court ( more than an hour out of town from me ) that I'd forgotten to sign the motion. I went home and collapsed exhausted from lack of sleep for two days. I woke up after a short while and couldn't sleep all that night and finally dozed off at XXXX XXXX the next morning. When I woke after XXXX XXXX I looked ta my copies of my documents and realized I hadn't signed them so I got dressed and loaded up my grandbaby and headed back to the courthouse only to discover they had closed early for New Year 's Eve. I had to go two more days without the court 's protection! I drove back to court on XX/XX/XXXX and filed a new request for a restraining order. When I got home all I could do is wait. So remembering XXXX XXXX XXXX had said he was an attorney ( I thought in CA for some reason ) so I decided I was going to see if that was true so I could lodge a complaint with the BAR. I entered XXXX XXXX XXXX attorney and saw he was an attorney in FLA. I called the FLA BAR to ask how to file a complaint and downloaded the page to fill out and print to mail to the BAR. I typed his name in the search bar and the Florida Bar Association page came up with his photo and a pending disciplinary action. Clicked on the action I was HORRIFIED to find he had TEXT BULLIED texted parties in another court case who then filed a complaint against him to which he responded with more threats. I realized I was his next victim and he was employed by the DEBT COLLETOR not only in violation of and Order of STAY but now he was violating my personal space and IMPLIED THREAT noting he knew where I lived regardless of his following attempt to backpeddle the threat using my loan history as a pretext to over his intention to scare me. Telling me he knew the places I'd lived came out of nowhere in the text, so I have no doubt whatsoever this was a threat and that he'd " intended to scare me '' and cause me to be afraid of him. I called the sheriff 's office to report this to the Sheriff who had forwarded my complaint about forged and fraudulent mortgage documents I discovered months earlier in my loan file, to the wrote collar crimes division. But when they told me he was not on duty, my XXXX XXXX. So I emailed him with the texts XXXX XXXX XXXX had sent me and a copy of the threats on file with the Florida BAR. This person is the very kind of DEBT COLLECTOR that we consumers are warned about. Now he is in my life messing with me. CARRINGTON MORTGAGE SERVICERS LLC. is accountable, responsible and liable for the actions of their employees. As a DEBT COLLECTOR, CARRINGTON MORTGAGE SERVICING LLC is PURSUING ME AND HARASSING ME VIA AN EMPLOYEE WHO IS ON PUBLIC RECORD FOR THREATENING PEOPLE in a court case! I wish to attach his TEXT BULLYING to me and a copy of the record of HIS THREATS to OTHERS to show the veracity of my complaint. CARRINGTON MORTGAES SERVICES DID NOT and has NOT ACTED acted in GOOD FAITH. I was subjected to over an hour of harassing and abusive texts from the Creditors employee and witness, Mr. XXXX XXXX XXXX. 
This was not only unnecessary and in violation of FDCPA it was not in good faith and any reasonable person would be feel threatened and offended not to mentioned truly disturbed by this abuse. I really must reiterate that his culpable persistence then escalated and he aggressively stepped over the boundary for any reasonable person, and ridiculed my personal religious beliefs, texting : Sabbath on a Saturday? and in another text scoffed at my religious choices : " I did not know Saturday was any sabbath, For any XXXX and yet another blatantly mocking my religious beliefs stating : Paying mortgage has no religion. I looked it up. 
At one point I felt he had actually with intent invaded her privacy, texting : I thought you were born in Idaho and lived In Alaska got job in Montana. 

I was instantly and justifiably concerned about this implied threat and if hed been stalking my private life and feeling threatened and in danger, I responded with my clear and present concern texting that I hadnt included any of that information in the court records. MR. XXXX texts go taunting me : I can explain it all, and even if I do what are you to do? and Good luck. I tried 8 times to get him to stop and leave me alone and I finally had to tell him I was shutting off my phone. 

I am attaching the complaint against him lodge by the Florida BAR so that it is understood that his threats and abuses are common knowledge and a " documented '' pattern of threatening behavior.

Company response to consumer: Closed with explanation