Consumer complaint received 2016-05-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
LOAN ORIGINATION SIGNED BY ME ONLY ON XXXX XXXX XXXX THROUGH XXXX XXXX XXXX TITLE SEARCH FOUND XXXX DEEDS OF TRUST FOR XXXX LOANS DATED XXXX XXXX XXXX THEN RELEASE OF XXXX LIEN ON XXXX XXXX XXXX BY XXXX XXXX XXXX THEN ON XXXX XXXX XXXX DOC XXXX RECORDED AT COUNTY STATING ASSIGNMENT OF DEED OF TRUST TO XXXX XXXX XXXX AS BACKED PASS THROUGH CERTIFICATES DOC XXXX REMOVAL OF TRUSTEE APPOINTMENT OF SUBSTITUTE TRUSTEE XXXX XXXX IN XXXX WITH A REFERENCE XXXX ALL ROBO SIGNED BY XXXX A XXXX VP DEFAULT SCRA FOR CARRINGTON MORTGAGE SERVICES LLC ATTORNEY IN FACT FOR XXXX XXXX XXXX AS TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX XXXX ASSET BACKED PASS THROUGH SECURITIES XXXX XXXX SENT A NOTICE OF SALE FOR MY PROPERTY IN XXXX XXXX WITH A SALE DATE OF XXXX XXXX XXXX BUT A COPY WAS NEVER MAILED TO ME I CALLED HER OFFICE WITH THE XXXX AND WAS INFORMED THEY HAVE NO RECORD OF THE TRACKING NUMBER MY NAME OR MY PROPERTY THE LETTER VANISHED FROM COUNTY CLERK RECORDS BUT AFTER I FOLLOWED AN ATTORNEYS ADVISE TO FILE CHAPTER XXXX BANKRUPTCY EXEMPTING MY HOME AND VEHICLES THE BANKRUPTCY WAS DISCHARGED ON XXXX XXXX XXXX BUT I STILL WAS NOT ABLE TO SET UP PAYMENTS WITH CARRINGTON MORTGAGE SERVICES SIX MONTHS AFTER THE DISCHARGE I DISCOVERED THE MORTGAGE HAD BEEN DISCHARGED IN THE BANKRUPTCY WITHOUT MY KNOWLEDGE OR MY ATTORNEYS KNOWLEDGE I CONTACTED XXXX TO GET DOCUMENTATION OF THE LOANS I WAS INFORMED BOTH LOANS WERE PAID IN FULL ON XXXX XXXX XXXX AND TRANSFERRED TO A NON MERS STATUSTO A SERVICER XXXX NONXXXX MEMBER I PULLED THE XXXX RECORDS AND FOUND XXXX LLC XXXX IS STILL LISTED AS THE INVESTOR AND SERVICER OF BOTH LOANS BUT IT ALSO SAYS UPDATE ON XXXX XXXX XXXX INTERIM FUNDING RELEASED BY XXXX A XXXX BANK XXXX THEN ON XXXX XXXX XXXX AN UPDATE STATING DEACTIVATION ASSIGNEE : NEW SERVICER XXXX XXXX XXXX WITH FORECLOSURE STATUS UPDATE ASSIGNER XXXX, THEN ON XXXX XXXX XXXX INTERIM FUNDING INTEREST RELEASE DATE WITH INTERIM FUNDER XXXX XXXX, THEN RELEASE FUNDER INTEREST, MIN STATUS ; TRANSFER TO NON-XXXX STATUS OLD INTERIM FUNDER XXXX ALLY BANK, THEN ON XXXX XXXX XXXX SECURITY INSTRUMENT DATA UPDATE ; ORIGINAL MORTGAGEE MERS ITS BEEN OVER A YEAR SINCE MY BANKRUPTCY DISCHARGE I GET A STTATEMENT FROM CARRINGTON EACH MONT WITH THE BALANCE DUE STATING PLEASE DISREGARD IF DISCHARGED FROM BANKRUPTCY I SENT THEM A QWR ABOUT 30 DAYS AGO AND RECEIVED BACK A PACKET FROM THEM STATING THAT MY ACCOUNT IS IN ACTIVE FORECLOSURE STATUS SINCE XXXX XXXX AND THAT THEY ARE DECLINING MY WRITTEN REQUST SEEKING DOCUMENTATION THAT IS NOT AVAILABLE THROUGH VERIFICATION OF DEBT UNDER 15 USC 1692G AND THAT IF I HAVE BEEN DISHARGED FROM BANKRUPTCY IT IS NOT AN ATTEMPT TO COLLECT A DEBT ONLY INFORMAYIONAL THEY ATTACHED A SPREADSHHET OF MY PAYMENTS TO THE LOAN SINCE XX/XX/XXXX WITH COPIES OF DOCUMENTS THAT I HAD NEVER SEEN BEFORE THAT WERE NEVER FILED WITH COUNTY RECORDS PAGE XXXX SAYS CONFIDENTIAL XXXX LOAN NUMBER XXXX INVESTOR LOAN NUMBER XXXX THEN ALLONGE FOR THE PURPOSE OF ENDORSEMENT HIS ALLONGE TO NOTE IS MADE THIS XXXX XXXX XXXX TO THAT CERTAIN NOTE DATED XXXX XXXX XXXX IN THE AMOUNT OF FROM AND IS INCORPORATED INTO AND SHALL BE DEEMED TO AMEND AND SUPPLEMENT THE NOTE AGREEMENT THEN PAY TO THE ORDER OF XXXX WITHOUT RECOURSE XXXX OF XXXX A XXXX CORPORATION ROBO SIGNED BY XXXX XXXX ASSISTANT SECRETARY WITH THIS ALSO CAME A COPY OF A BALLOON NOTE NOT FILED WITH COUNTY OR GIVEN TO ME AS WELL AS A COPY OF AN ASSIGNMENT OF MORTGAGE TO XXXX XXXX XXXX XXXX IN XXXX ON XXXX XXXX XXXX FILED IN THE COUNTY COURT RECORDS OF XXXX XXXX XXXX WITH THE LOAN NUMBER BLACKED OUT

Company response to consumer: Closed with explanation