On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$230000.00}. The loan was evidenced by a Mortgage ( Security Deed ), '' naming XXXX., as the " Lender '' and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Successor by merger to XXXX XXXX allegedly acquired title to the property via Assignment of the Security Deed. Sometimes thereafter, XXXX XXXX XXXX, XXXX, declared Plaintiff to be in default. Plaintiff, however, alleges that XXXX XXXX XXXX, XXXX is responsible for her default because XXXX XXXX XXXX XXXX XXXX failed to properly credit Plaintiff 's loan account for money I have paid and also took fees from my monthly payments that I did not owe and refused to credit or return those fees. XXXX XXXX XXXX, XXXX. transferred the loan account to Carrington Mortgage Services, LLC., who continues to improperly credit account and refuses to return unauthorized fees that were taken. While Plaintiff and XXXX XXXX XXXX, XXXX. was in the midst of resolving the alleged default issue, XXXX XXXX XXXX, XXXX. passed title to Plaintiff 's home via a second and subsequent Assignment of the Security Deed to Carrington Mortgage Services, LLC., as Servicer and Attorney in Fact for XXXX XXXX XXXX XXXX XXXX Over the course of my loan I has made multiple efforts in the hope of securing an affordable loan modification and, ultimately, to retain the home, including extensive correspondence and conversations with various XXXX XXXX XXXX and Carrington Mortgage Services XXXX LLC., personnel, I requests for an affordable loan modification or other reasonable workout options were denied. To date of this complaint, I still have not been provided a true accounting of my loan account. On or about XXXX XXXX, XXXX, I forwarded to XXXX a Qualified Written Request ( QWR ) requesting that XXXX provide, XXXX XXXX, me with ( XXXX ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( XXXX ) A complete and itemized statement of all advances or charges against this account ; and XXXX XXXX ) A complete and itemized statement of the escrow for Plaintiff 's account, if any, from the date of the note origination, to the date of Carrington 's response to my QWR. Carrington still have not provided me with the requested information. 
Currently, Carrington Mortgage Services, LLC., has initiated foreclosure proceeding against my property and is due to auction my home within the next 60 days. My loan was insured by HUD and our FHA loan contract mandates that if Carrington Mortgage Services , LLC . has a XXXX office within XXXX XXXX miles of the property, they are supposed to give me a face to face meeting at the property and give me a workout option before initiating foreclosure proceedings against me. This has not been done. Carrington Mortgage Services, LLC., claims that XXXX XXXX XXXX gave me a face to face meeting already but that is not the truth. 
XXXX C.F.R. XXXX XXXX b ). 
In this instance, as mentioned above, Carrington maintains branch offices less than XXXX miles of the Property, far below the XXXX mile limit and therefore is not excepted from the face-to-face obligation under XXXX XXXX b ). 
Carrington did not comply with these regulations, as it did not have a face-to-face interview with me or make any effort whatsoever to arrange such a meeting prior to commencing foreclosure proceedings against my home.