Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
b'On XXXX, I formally requested the following through certified mail (USPS tracking # XXXX XXXX XXXX XXXX XXXX: 1.) "Original wet-ink promissory note UCC 3-301: 2.) Recorded deed of trust TCA 66-24-101: 3.) Complete payment history/accounting RESPA 2605: & on XXXX  I formally requested the following through certified mail (USPS tracking # XXXX XXXX XXXX XXXX XXXX pursuant to TCA 47-9-210 & UCC 9-210, SEC Form 424B5. Prospectus: Any filings or amendments pertaining to securities offerings that relate to my account or collateral. FR 2900 Form: Deposit reporting records as filed with the Federal Reserve, showing how these figures relate to my account. IRS Form 1099-OID Report: All 1099-OID filings or reports associated with my account, including details of original issue discount and how these amounts are reflected in the ledger.\nRC-5 and RC-B Schedules: Relevant Call Report schedules (RC-5: Derivatives and Off-Balance Sheet Items, RC-B: Securities), including data corresponding to my account or related transactions.\nFR XXXX: A certified copy of this Federal Reserve document, if applicable, or a written statement explaining its relevance or non-applicability.\nAdditional Information Requested Transaction Reference: Documentation showing the movement; that CMS lent me something from their (CMS or its affiliates) principal account, with all relevant dates, amounts, and authorizations into my account.\nCredit Swap with Security Instrument: Evidence and explanation of any credit swap performed using my security instrument, including all related ledger entries.\nContracting Standards and Legal Authority: Documentary evidence that the alleged agreement and any related security instrument meet universally recognized contracting standards (e.g., mutual assent, consideration, lawful object, competent parties) and citation of the law under which the contract is binding on both parties.\nInspection of Original Security Instrument: Please propose a mutually convenient time and place for me to inspect the original, unmarked security instrument referenced in our transaction.\nDid the company provide this information? NO! "Servicer cannot produce original note or SEC 424B(5)." Systemic TILA/RESPA Violations & Wrongful Foreclosure Attempt. 1 TILA violation, 15 USC 1635, on XXXX  I exercised the right to rescind via certified mail XXXX due to missing TILA disclosures at origination. 2) Unrecorded security instrument (per local and national forensic audit search attached) 3) Servicer failed to provide any documents requested within 15 days (violating 12 CFR 1002.9). 4) Sent foreclosure notice instead of validation (violating 15 USC 1692g) 5) The servicer failed to provide the requested SEC form 424b(5) (17 CFR 230.424). 6) Accord & Satisfaction Breach (TCA 47-3-311) 7/19/2022. 7) Tender by endorsement (security instrument exhibit D) promissory note by U.S. Registered Mail XXXX XXXX XXXX XXXX XXXX XXXX  payment was never returned and was accepted as full satisfaction; the servicer continues unlawful collection practices.'

Company response to consumer: Closed with explanation