Consumer complaint received 2020-10-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company is still lying and not correcting its errors. I am submitting a request to reinvestigate complaint XXXX and am stating as follows : I am asking that this complaint be reopened and investigated thoroughly as it appears that someone may not have taken the time to thoroughly read through the response from Carrington. Had they done so, they would have noticed it was filled with inconsistencies.

1. First question I would ask is how would Carrington be allowed to charge me and try to collect a bankruptcy fee when my bankruptcy was filed in XXXX. 
2. 2nd Why is Carrington asserting that I stated that the {$6000.00} should have been included in the loan modification and that I further state that amount is not reflected in the loan modification agreement. 
a. I stated that they in fact did include this in my modification as capitalized monies when they added back an additional {$10000.00} to the balance of the loan which included their supposed {$6200.00}. My past due at the time of modification was four months at best because they refused to let me bring it current and would not accept a payment when I tried to negotiate this. I therefore had no choice but to file my bankruptcy and my payment and interest most definitely was not {$10000.00} for that period of time. 
b. Additionally, Carrington is well aware of my bankruptcy discharge and has acknowledged final cure of post petition payments. See attached Form XXXX from Carrington Mortgage Services , LLC . Why it would try to imply otherwise is a question at issue. Again, as I stated before someone had an idea to do something they were not supposed to. 
3. Those {$90.00} fees did not show up until I made notice of the possible need for Covid19 consideration. I have even sent a {$90.00} payment alone in addition to my monthly payment and it is still there, 4. I was never made aware of any inspection to my home or any attorney fees associated with my bankruptcy. In fact this issue in itself seems to be noncompliant with the bankruptcy rules. 
5. My loan was never modified in XXXX. 
6. In XXXX I did receive a forgivable loan from HUD due to a job loss in which they paid my loan payments for over a year which kept my loan current at that time ( see attached ). My first modification occurred in XXXX with XXXX XXXX XXXX. ( see attached ). 
7. As of XXXX when Carrington took over my mortgage anything XXXX related is no longer applicable. The modification I did was with Carrington in XXXX. Carrington, added the {$6200.00} into the balance of that loan modification along with fees and interest and Capitalized it at that time. I still had to make the three initial payments to become eligible for the modification so at that point there should not have been additional past due added to my loan. Then a year later they added to my statements saying it was due again. 
8. If you will actually read CMSs statement of response you would see it is riddled with inconsistencies and lies. Please see final attachment regarding the bankruptcy discharge from CMS. I have also attached a copy of the credit report showing they are reporting this. 
9. Again as I stated before the company is trying to fraudulently foreclose on my loan and is trying to create its own documentation to accomplish this. What they dont seem to realize is I have my documentation. 
Please reinvestigate and make them proceed according to the law.

Company response to consumer: Closed with explanation