Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Unfair lending practices and debt collection practices. Fraudulent modifications and increasing amounts to balance ; because, of credits or federal reserve note where not being applied to principle balance and escrow correctly. False information delievered by mail about payments owed for a loan that was sold for a profit to other companies without being properly securitized by law or transfering the title without having full ownership of the documents. Collecting on a NOTE that was and is separtaed from the SECURITY DEED and the WARRENTY DEED. The Original NOTE was never recorded with the WARRENTY DEED or SECURITY DEED. 
Threating actions to take property without owning the original loan or providing information requested for the validity of the loan being active or even existed. 
Not respecting the Chapted 7 ORDERED ; The Trustee discharged/closed no assets. 
The United Stataes Bankruptcy Code, Case No. : 11-51074-mgd The debtor was granted a discharge under section 727 of title 11, Documents including facts and forensic audits and securitization audits/ investigation reports have been added to this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL LOAN NUMBER : XXXX was closed shortly after the XX/XX/XXXX ' refinance and this refinance increased the balance approximately 20 % + and no refund check or monies were recieved by the borrower from these added monies when the borrower only refinaned to recieve a 1 % decrease on the intrest rate : so the balance went from below {$90000.00} to over $ XXXX Fraudulant ALLONGE TO NOTE was created in a loan amount : XXXX under the loan number : XXXX and was never recorded in the XXXX XXXX deed and records office or tax office. The Bank of America Servicing account number # XXXX ; was added at the top of the ALLONGE TO NOTE document document ; PAY TO THE ORDER OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting this department repsenting CARRINGTON MORTGAGE SERVICES to to follow the FEDERAL LAWS and The STATE LAWS OF GEORGIA to research the documents I provide that exposed fraudulant activities and transactions with investors and filings ; false statements about owning the loan and purchasing amounts attached to the property ; as well as, false recording and filing of loan documents. 

Attn : XXXX XXXX XXXX Department and Research Department Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX And, because XXXX added XXXX XXXX XXXX in XXXX ' as having all power of attorney over XXXX XXXX XXXX in a reinstatement letter sent by their attornet in XXXX ' for me to send over $ XXXX for a Loan/Account Number : XXXX XXXX ; Acount XXXX : XXXX held by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEE BELOW XXXX Verification of Debt Please be advised the loan is evidenced by a Note dated XX/XX/XXXX, in the principal sum of {$110000.00}, executed by XXXX XXXX XXXX, in XXXX XXXX XXXX Mortgage of XXXX XXXX XXXX XXXX XXXX , a copy of which is enclosed. The loan is secured by a Mortgage dated the same date, a copy of which is also enclosed.

The current owner of the Note pursuant to 15 U.S.C. 1641 ( f ) ( 2 ) is Bank XXXX. The owner is located at XXXX XXXX XXXX XXXX XXXX XXXX, with a phone number of ( XXXX ) XXXX. XXXX is the current servicer of the loan with rights to enforce the terms of the security instrument and collect on the debt

Company response to consumer: Closed with explanation