Consumer complaint received 2019-02-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to Dispute two letters I received from Carrington Mortgage. I have attached both letters and documents for review to support my dispute. The Servicing of my home loan with XXXX  XXXX XXXX was transferred to Carrington Mortgage Services , LLC on XX/XX/XXXX. ( Please See Attached Document A ). Under this Contractual agreement My monthly payment amount should not have been affected by the transfer. In fact, my payment amount was changed, and this caused an effect with my monthly payments. Due to this change my payments were forced into unapplied funds and caused my payments to be thrown off. This change also caused my account to become delinquent, and payments that I paid to also disappear. I have also attached an example copy of A notice of a Mortgage payment Change form ( Please See Attached Document B Part 1 ) Under Bankruptcy Court this form is to be filed when a payment change is done. Carrington did not complete this process. My Bankruptcy was filed with XXXX XXXX XXXX on XX/XX/XXXX. The first Payment was due XX/XX/XXXX for the amount of {$670.00} not {$680.00} ( Please see Attached bank statements outlining these dates ). My mortgage payment was changed in XXXX, and I was forced to make 4 payments in the amount of {$670.00} which should have been {$640.00}. I was forced to pay the increase. ( Please See Attached Document B Parts 2, and 3 ). 

On XX/XX/XXXX I received a notice of intent to foreclose. ( Please See Attached Document C ).  According to Carrington I was in default for three Monthly payments due on or after XX/XX/XXXX for the amount {$1900.00} with {$280.00} held in unapplied funds that belonged to me. There was a payment plan made with Carrington in XX/XX/XXXX. I made my payment on time in the amount of {$640.00} plus {$1000.00}. XX/XX/XXXX, I made another regular payment in the amount of {$640.00} plus {$300.00}. XX/XX/XXXX, I made another regular payment in the amount of {$640.00} plus {$300.00} ( Please see Attached bank statements outlining these dates ). 
I have been cheated and defrauded by my mortgage company. I have been forced to pay more money than I owe. I am also being harassed and threaten starting Before, during, and after my bankruptcy discharge. I am still being charged for inspection fees, and I was forced to make a payment in the amount of {$60.00} for XX/XX/XXXX. It clearly states in the discharge notice from my Bankruptcy that, Any Creditors who attempts to collect a debt after receiving a discharge notice can be fined. Another example of these harassments includes reporting false information to the credit bureaus. ( Please See Attached Document D ). On XX/XX/XXXX Carrington Mortgage reported incorrect past due balances of my account that was included in Bankruptcy. I filed a separate dispute with the Credit Bureaus, since then has been removed from my credit report, but the aggravation and the impact that my credit score has taken since then is still being affected. This is another example of the hardship Ive suffered. I owe no debt ; therefore, I am requesting all the money that was wrongly taken from me back, and I would also like to compensated for anxiety and stress. Ive included Documentation to support my claim. If anymore information is needed please feel free to contact me.

Company response to consumer: Closed with explanation