Consumer complaint received 2016-03-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, I XXXX XXXX am submitting this complaint in regards to my mortgage with XXXX XXXX XXXX ( XXXX ) was which transferred to Carrington Mortgage Services ( CMS ) LLC under the pretense of my Mother is currently under Bankruptcy and missed mortgage payments. The new Mortgage Company ( CMS ) is stating that I am behind in payments and bankruptcy. This is completely false. 
Carrington Mortgage Services ( CMS ) and XXXX XXXX XXXX XXXX XXXX have put my house in foreclosure. Now, in the hands of debt collector XXXX XXXX XXXX with foreclosure date of XXXX XXXX, XXXX. I have tried to pay them what I owe for the three months but CMS would not let me pay. I currently owe CMS {$4900.00} for the three months I was not allowed to pay ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have the funds and ready to pay for these months, so I am current. 
I did file bankruptcy in XX/XX/XXXX for credit cards ( which include a card with XXXX XXXX XXXX ), medical bills ( for XXXX ) and a car. The house was not included in the bankruptcy, in which the mortgage loan was with XXXX ( XXXX XXXX XXXX bought the loan from XXXX before it went out of business ). I believe that XXXX XXXX XXXX attempted to collect the credit card debt that was discharged in the XX/XX/XXXX bankruptcy. 
I did a special forbearance with XXXX XXXX XXXX in error. The Special Forbearance was to be for the Making Homes Affordable ( MHA ) program. You do trial period of 3 payments, then once you fulfill the payments this would qualify your for MHA program. I should have never did this program. I was not behind in payments. XXXX XXXX XXXX accounting system was behind with my payments. I believe I was misled into applying for this program. 
For past seven years XXXX XXXX XXXX has been harassing me about being behind in my mortgage payments. Each time I have provided copies of payment and cashier check receipts for any discrepancies. It seems that their something wrong with XXXX XXXX XXXX accounting system. I will attach copies of my ACH payments and cashier 's checks ( XX/XX/XXXX to XX/XX/XXXX ) paid to XXXX XXXX XXXX when the mortgage company took over the loan. 
In fact, I made payments directly to XXXX XXXX XXXX ( XXXX ) at their bank in XXXX, TN via cashier 's check. I have sent all the information to Carrington Mortgage Services ( CMS ) four times for the three months that XXXX XXXX XXXX ( XXXX ) said I was behind. Apparently, XXXX has not sent all the necessary documentation to CMS with all the payments. I request that XXXX send to CMS an Amortization Schedule of all the payments made up to XXXX XXXX, the last month I made payment to XXXX. 
I included bankruptcy document and discharge documents, payment and cashier check receipts, and three months of bank statements showing payments of months in question. Carrington Mortgage Services is stating that I am behind three months : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent this information to show the new mortgage company Carrington Mortgage Services that my payments are current. 
I want the following question answered : Why did XXXX XXXX XXXX sell my loan to Carrington Mortgage Services ( a company that handles mortgages in trouble ) under the pretense of bankruptcy and missed payments? Why is Carrington continuing the harassment that XXXX XXXX XXXX has been doing for seven years? How can you foreclose on a home in which the home owner has never missed a payment? When I have records of all my payments and XXXX XXXX XXXX has never asked for me to send the records to them. 
I would like an Amortization of all payments from the beginning month XXXX XXXX XXXX assumed my loan to XXXX XXXX. As this will clear up all the confusion. XXXX XXXX XXXX is yet to provide me my end of year statement for XX/XX/XXXX.

Company response to consumer: Closed with explanation