Consumer complaint received 2017-01-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CARRINGTON MORTGAGE SERVICES, XXXX, and XXXX A have subjected me ( the consumer ) to predatory debt collection practices in violation of the FDCPA. These violations include : XXXX - communicated with me without my consent or the expressed permission of a court of competent jurisdiction ; XXXX ( b ) - communicated with other third parties ( XXXX and XXXX A ) without my consent or the expressed permission of a court of competent jurisdiction ; XXXX U.S.C. XXXX - harassed, abused and oppressed me by demanding payment of a debt CARRINGTON MORTGAGE SERVICES knew was not owed by me ; harassed, abused and oppressed me by threatening to harm my reputation by reporting information CARRINGTON MORTGAGE SERVICES knew to be false to a consumer reporting agency ; harassed, abused and oppressed me by impersonating a creditor for their financial gain ; harassed, abused and oppressed me by threatening to foreclose on my principal dwelling and homestead and stating that I " could lose XXXX my XXXX house '' notwithstanding having NO right to do so ; harassed, abused and oppressed me by making the aforementioned threats which I find obscene ; harassed, abused and oppressed me by using personal identifying information without my consent to create an account in my name for financial gain ; XXXX U.S.C. XXXX ( XXXX XXXX - misrepresented the character of the alleged debt by stating the alleged debt was the result of a mortgage loan when it was not ; misrepresented the amount of the alleged debt by stating {$250000.00} is an amount owed by me the consumer/creditor ; misrepresented the legal status of the alleged debt by implying that a default occurred by me ; misrepresented the character of the alleged debt by stating the alleged debt was connected to a loan account # XXXX ; XXXX XXXX. XXXX ( XXXX ) - threatened to foreclose on my principal dwelling and homestead when legally they can not ; XXXX XXXX. XXXX ( XXXX ) - misrepresented that XXXX FSB as trustee for XXXX LOAN TRUST A and or CARRINGTON MORTGAGE SERVICES are the creditor ; misrepresented that I am a borrower ; misrepresented that I defaulted on an obligation ; XXXX U.S.C. XXXX XXXX a ) ( XXXX XXXX - failed to give notice of name of creditor XXXX - furnished a form knowing that such form would be used to create the false belief that XXXX SAVINGS XXXX XXXX XXXX as trustee for XXXX A and/or CARRINGTON MORTGAGE SERVICES is participating in the collection attempts as creditor when in fact they are NOT participating as a creditor ; XXXX U.S.C. XXXX - used unfair or unconscionable practices to collect the alleged debt by using my personal identifying information to impersonate a creditor ; XXXX XXXX. XXXX - used unfair or unconscionable practices to collect the alleged debt by engaging in all of the aforementioned conduct in violation of the Fair Debt Collection Practices Act. 

I am invoicing CARRINGTON MORTGAGE SERVICES, XXXX, and XXXX A for damages assessed as a result of their multiple violations of the Act in exercise of my right to enforce compliance thereto.

Company response to consumer: Closed with explanation