Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I have been disputing fees and miss applied payments with Carrington Mortgage Services since XX/XX/XXXX. I was instructed that I need to wright a letter of dispute and submit it to Carrington for research, to be able to correct the miss applied payments, correction on my credit ( due to there error, it was reported that I had not made my monthly payment ), and wrongfully charged fees that total almost {$1900.00}. I submit the letter for dispute on XX/XX/XXXX and included my bank payment ledger showing the payments were sent and sent timely, in addition to Carrington 's ledger showing where the payments were received and miss applied ( XXXX payments fully applied to escrow and the other to the wrongfully charged fees from XXXX ) thus showing why it appeared in there system that I had not made a payment to the principal balance. In addition to submitting this letter of dispute I also filed dispute claims with all XXXX credit Bureau. I received an email from XXXX stating that the dispute had been completed. Carrington removed the report of the late payment ( while still charging me a fee for the late payment ) but reported that I am past due {$1900.00}. I called Carrington today to review the status of my dispute and was informed that I owe {$1100.00} in fees ( {$20.00} are late fee for XX/XX/XXXX ; the month that my payments were miss applied ) not {$1900.00}, and that my dispute claim is still under research and can take up to 30 day for me to receive a final response. I am very concerned about the manner that they are going about in this matter ; because not only is Carrington Mortgage Services reporting that I owe {$1900.00} and they are telling me a different amount owed, but that they are charging me fees for there errors, and reporting incorrect information costing my credit score to plummet over XXXX points in a month due to there errors. Lastly it appears that the more I dispute the errors and request the corrections the more my credit score is being impacted negatively. I would love to say that these errors are the first time that this has occurred, but there not ... that is where the almost {$1900.00} in fees are coming from. In XXXX, when I was trying to save my home from foreclosure ( due to layoffs ) and was on a payment plan, I went to submit the final payment to complete the payment plan, I was alerted that I had not made my payment timely and they are proceeding with the foreclosed. This was not true as they were able to find record that I had made my payments as agreed to. However, because I was making the payments XXXX ( due to my pay cycle ) and the first payment ( which was early ) came in as a " Partial Payment '' the associate processing the payment did not review the notes that stated that it was okay for me to make " Partial Payment '' as long as it was not late and sent my payment back through the U.S. Mail. This caused a waterfall effect subsequently causing the second and final payment to be rejected. Upon escalation it was verified that I was not late and was paying as agreed to. Unfortunately, even through this was not my error I was still charged the foreclosure fees, which I have since tried to have removed. I eventually gave up after constant fighting with the company, until now when they are reporting to the credit bureaus that I owe almost {$2000.00} and killing all of the work I have done to repair my credit. Carrington Mortgage Services needs to understand that they can not punish the consumer for there errors and that these issues need to be correct. I am the victim in this case, Carrington has falsified information on my credit report, killing my credit score, and trying to take money from me that is not owed. This has had multiple negative impacts to me, from stress, anxiety, and denial of credit.