Consumer complaint received 2022-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

Reply to XXXX 's " Interim Response '' regarding CFPB XXXX complaint RE : XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) To whom it may concern. 
On XX/XX/XXXX, I filed another complaint against Carrington Mortgage Servicer ( CMS ). CMS then replied to an Interim Response on XX/XX/XXXX. This is my response to their interim response submitted XX/XX/XXXX. 
* Regarding similar issues similar issues are raised because : XXXX ) CMS Never resolves nothing. Instead, CMS responds to CFPB complaints with long drawn-out mumbo jumbo EXCUSES inundated with lies and puffed-up jargon made to seem legal. Then you presume where you left off prior to EACH complaint with more aggressive retaliation Predatory Loan Tactics which CMS is extremely masterful at practicing. 
XXXX ) Duplicate Concernssee above XXXX ) Mortgage Assistance your mortgage assistance is simply a joke when it comes to ME and/or my daughter ( XXXX XXXX XXXX XXXX XXXX For some reason you targeted my daughter ( XXXX XXXX XXXX ) and her VA Loan until the day she finally committed XXXX due to her XXXX and YOUR HARASSMENT that both XXXX XXXX XXXXXXXX and CMS KNEW she suffered from and took advantage of her XXXX  condition as you are with ME. Nebraska Homeowners Assistance Fund ( NHAF ) has APPROVED the Mortgage Assistance you have refused to help me with in order to remain in the home my daughter gave her life for. NHAF will solve ALL issues regarding my financial mortgage payment arrears that CMS and XXXX XXXX XXXXXXXX have so keenly CREATED with XXXX. fees, supplemental fees, ETC ETC ETC!!! However, CMS is REFUSING to process my APPROVED NHAF application! 
XXXX and XXXX XXXX XXXXXXXX both LIED to me regarding all Mortgage Assistance options. i.e., Loan Modification, to gain access to all my private financial data, knowing all along that you were going to deny my Mortgage Assistance applications from CMSXXXX XXXX XXXX XXXX XXXX ). I was told that CMS approves Loan Modifications for ALL their customers once a year and I WOULD be approved. 
CMS stated reason for non-approval of my Loan Modification was because 85 % of my net surplus income was not enough to cure delinquency ( A DELINQUENCY CMSXXXX CREATED! WITH XXXX FEES ETC REPEATEDLY ADDED TO MY DAUGHTERS VA LOAN! ) which would be brought to balance if you would approve my NHAF APPROVED application. 
XXXX did not approve my Loan Modification because you said my net surplus income is not sufficient to pay projected modified mortgage payment and other obligations However, my NHAF APPROVED Application would solve that issue as well and that is what the Homeowners Fund WAS CREATED FOR! Also, how do you figure the INFLATED XXXX  mortgage payment you are asking for if any less than the projected modified mortgage payment?!? 
CMS denied to extend a Veteran Affairs Modification because CMS would have to exceed the limits of the changes you could make to the terms of my daughters VA Loan to reach payment of 31 % or less of my gross monthly income. HOWEVER, my NHAF APPROVED Application would solve this issue. 
CMS stated, IF I qualify for NHAF ( which I DO! ) for loss mitigation under investors guidelines, CMS will offer loss mitigation options for which I qualify for. This is exactly what I referred to as mumbo jumbo jargon intended to sound legal that CMSXXXX has mastered with their Predatory Loan Practices & Tactics . 
CMSs lates Predatory Loan Tactic is falsely inventing a Federal stipulation they are referring to as Bankruptcy Consent Form and/or Motion. What kind of mysterious Motion, well nobody seems to know except CMS which theyre REFUSING to let NHAF , and my bankruptcy attorneys know. CMS is not returning calls and/or emails from NHAF, NHAF attorney XXXX XXXX XXXX XXXX XXXX my bankruptcy attorney ( XXXX XXXX XXXX XXXX XXXX XXXX and myself. Ive literally spent HOURS trying to get answers regarding this Bankruptcy Consent Form/Motion from XXXX XXXX number ( s ) and customer service reps. Ive been lied to when attempting to speak to supervisors, etc. Currently the Bankruptcy Consent Form has turned into a mysterious Motion which again, nobody seems to know of. I want to mention here that HAF is a FEDERALLY run program and if there was an actual Bankruptcy Consent Form/Motion, the FEDERAL government would have sent is across the board and/or nation so that EVERYONE would be aware it even existed and what to do regarding this conjured up subject matter. 
CMS asked for a letter for approval from bankruptcy trustee/bankruptcy court. Is this the same as the Bankruptcy Consent Form/Motion? Is it different? 
CMS mentioned you sent a copy of the Mortgage Servicer Substantiation Letter to be sent to my bankruptcy attorney, HOWEVER, you did not send anything to them or anyone for that matter. What exactly is this Mortgage Servicer Substantiation Letter? Is it the Bankruptcy Consent Form, etc etc etc?!? 
XXXX ) The Mortgage Servicer Substantiation Letter, Bankruptcy Consent Form/Motion does not correspond to Federal Homeowners Fund laws, Federal Bankruptcy Laws, Nebraska Bankruptcy Laws, NHAF Laws! 
XXXX ) Your website does nothing as far as NHAF. 
XXXX ) How dare you tell me to go the very same website to apply for the help I already applied for knowing dam well you already denied me from and waste my time and deny me again just so you can charge all you misc. fees all over again! You will continue to use these Predatory Loan Tactics if you can get away with it and that is the whole purpose of all these similar and duplicate complaints. 
XXXX ) My credit ratings you made sure to ruin not only my own but my daughters as well by forcing us into bankruptcy with your misc. fees. 
XXXX ) Sending a dispute to CMS is like the police policing the police, its a joke and is some form of harassment just by you making mention of it! 
This concludes my reply to CMSs interim response to my above-mentioned complaint to CFPB. 
XXXX XXXX