Consumer complaint received 2023-03-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX of this year I mailed an express mail letter to Carrington mortgage that was supposed to be delivered by the United States post office by XX/XX/2023 for my XXXX mortgage. 

somehow someway the post office delivered the letter on XX/XX/2023 and Carrington posted the payment to my account on XX/XX/2023. 
I had gone to the post office to check on XXXX XXXX to find out where was the letter and was told it was probably delivered of the postman and California probably forgot to do the second scan I am mediately call Carrington on that day and told them what had happened and ask them. Did they have the letter in their possession the woman I spoke to on that day told me no it had not. Then I went back to the post office to check and filed a complaint that the letter was probably missing. Or perhaps just sitting sone where and that it was of up most importance that it got there on time. 

The following day I went to my bank, XXXX XXXX to stop payment on that check for {$1900.00} and immediately instituted an online payment to make sure that carrington mortgage could get the money but I did not have enough money in there to cover the lost check and the online payment at the same time. 

I recently received a letter from Carrington with XXXX below, which they told me the money got there on the XXXX  which put me in default. Below you will also find a letter from the postmaster called me to seek a refund because the post office did not deliver my mail on time as I was told they should have done. 

XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ProductQtyUnitPrice Price -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX {$28.00} XXXX XXXX, XXXX XXXX ScheduledDeliveryDate XXXX XXXX XXXX Tracking # : XXXX SignWaiver {$0.00} Insurance {$0.00} Upto $ XXXX Total {$28.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - GrandTotal : {$28.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DebitCardRemit {$28.00} CardName : VISA Account # : XXXX Approval # XXXX Transaction # XXXX Receipt # XXXX AID : XXXX AL : USDEBIT PIN : Verified -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX ( XXXXUSPS ) togetthelateststatus.StandardMessage andDataratesmayapply.Youmayalso visitwww.usps.comUSPSXXXX XXXX 

XXXX XXXX insuranceclaimgoto https : //www.usps.com/XXXX XXXXXXXX PreviewyourMail TrackyourPackages SignupforFREE XXXX XXXX XXXX XXXX XXXX 
Refundsforguaranteedservicesonly. 
Thankyouforyourbusiness. 

Tellusaboutyourexperience. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  www.usps.comXXXX 

This is an automated email. Please do not reply to this message. 

Carrington mortgage I failed to see that I was indeed trying to do what is right .and the USPS had drop the ball. I have also sent this report to consumer affairs in my state because the harassment makes no sense when I have tried my best. 

The attachments below will provide the proof that I should not be harassed when Im trying to do right I do not know why Carrington keeps doing this to me. Please see the attached uploaded proof

Company response to consumer: Closed with explanation