Consumer complaint received 2019-09-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau Complaint : My mortgage is being threatened to be placed in Foreclosure despite the facts that : 1- I am both following and compliant with all the terms of the original contract. 
2- All monthly payments have been made in a timely fashion, since XX/XX/XXXX. 
3- Carrington has refused to deal with me, in this on-going matter, in a good faith manner. 
Type of Problem The mortgage servicer ( MS ) has refused to deal with me in a fair and prudent way. 
What Happened? 
IN XXXX of XXXX, I was informed by the servicer that my monthly payment would be increased by 20 plus percent starting in XXXX of the same year. 
On XX/XX/XXXX, an immediate response was Faxed ( see attachment # 1 ) to the servicer requesting justification for the significant monthly increase. 
On XX/XX/XXXX, another written communication was Faxed to the servicer ( see attachment # 2 ), this response was to the MSs reply to my XX/XX/XXXX communication which informed me that the increase in the monthly payment was due to an escrow deficiency ( ED ). 
Even though, a copy of the escrow analysis was sent to me ( subsequent to the XX/XX/XXXX communication ), it wasnt until a phone conversation with one of its customer service representatives ( XX/XX/XXXX ), that it became clear that, the ED resulted from several new hazardous Insurance payouts to XXXX XXXX XXXX [ XXXX ] ( twice the amount of my authorized hazardous insurance carrier cost ). 
In XXXX of XXXX, I retrieved a refund from XXXX in the amount of {$2500.00}. This refund monies were forwarded to CMS ( XX/XX/XXXX ) with the following instructions and requests : That the monies be put back into my escrow account. 
That an immediate escrow analysis be conducted going back to XX/XX/XXXX. 
That my monthly mortgage payment be reduced to the amount it was prior to XX/XX/XXXX ( refer attachment # 3 ). 
Despite my having recovered the unauthorized disbursements ; and requesting an immediate review of my XXXX escrow analysis ( which triggered the significant increase in my monthly payments ) and my requesting the reversal of this increase, the MS ignored my request and continued to threaten foreclosure and continued imposing the 20 % plus monthly increase. 

Consumer Financial Protection Service 2 The MS continued its refusal to conduct an escrow until XX/XX/XXXX. Subsequent to this analysis, it acknowledged that my escrow account was not only fully funded but contains a {$2500.00} surplus. The MS informed me that, as of XX/XX/XXXX my monthly payment would be decreased to {$480.00}. 
However, the MSs Representatives insist that I pay the 20 % plus monthly amount, in addition to other fees and penalties ( Covering the period from XX/XX/XXXX XX/XX/XXXX ). The MS refused to refund me the {$2500.00} ( in my escrow Account ). 
I am requesting that the MS not only refund me the {$2500.00} surplus presently in my escrow account but also cease and desist imposing the 20 % plus monthly payment, and any fees and penalties attached from XX/XX/XXXX XX/XX/XXXX. 
What Company Compliant is About : 1- Carrington Services , LLC XXXX. XXXX  XXXX XXXX, IN XXXX 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Who are the people involved?. 
Agents for Carrington Mortgage Services, LL C

Company response to consumer: Closed with explanation