Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
on XXXX XXXX i was discharged from chapter XXXX bankruptcy and was told to start making my mortgage payments to carrington mortgage services , llc ( a DEBT COLLECTOR ) in XXXX, ca. on XXXX, XXXX. I did just that. my first statement was already in default just as my loan was when they bought this debt from XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ca. ( another DEBT COLLECTOR ) WHILE IN THE MIDDLE OF MY BANKRUPTCY CASE. XXXX  XXXX XXXX is suppose to be my current mortgage servicer according to MERS. what carrington mortgage services , llc has failed to do was to correctly post my payments and when i spoke with them in XXXX. XXXX about double payments that i sent to them, i was told to fax them the proof knowing all alone that they had received the 2 payments. they finally admitted to taking out fees of XXXX that they could not tell me for what. i later spoke to a supervisor that told me that " well there was not a payment due at that time therefore, they took the fees out of my early XX/XX/XXXX payment then applied XXXX to my principal and only XXXX knows where the difference of XXXX went because the check was for XXXX i could go on and on, so to make this short as possible i got so angry with them and the wrong amounts every month on my statements until i decided to quit sending them my payments hoping to get some help and answers if and when they were to take me to court. i found out that wasn't the answer because when i ended up in court on XX/XX/XXXX it was for a hearing to begin a foreclosure process and i couldn't get the answers i needed and the hearing was postponed until XX/XX/XXXX. so i immediately decided to send them the default amount that i did not agree with just to bring the mortgage out of default. a few days later they sent me a statement asking for my regular month payment and XXXX in fees, so i sent them all of that, still not knowing what to expect next. well, on XX/XX/XXXX they sent me back 5 months of payments and said for me to contact their foreclosure department to make approved payment arrangements. please tell me why they would not just accept the default balance and fees totalling XXXX which would have brought me current with my next payment coming due on XX/XX/XXXX and a foreclosure date of XX/XX/XXXX that i was hoping could be cancelled do to me clearing up the default. i don't know how this all works, i really don't understand but i refuse to hire a lawyer that i can't afford for their errors. i admit my wrong for not paying and i take full responsibility for that and i'm now suffering the consequence. my complaint is this is a debt collector that bought this loan while it was in default and has kept it that way to keep me paying over and above what i should be paying due to poor bookkeeping and excessive fees. my statements as well as when i have called them in the past states that they are a debt collector and that they are in no ways attempting to collect any debt from me if i am in active bankruptcy or have been discharged from a bankruptcy. then why am i paying them in the first place and why are they causing me so much pain and heartache trying to take my home? i can't and will nolonger talk to these people and my understanding is that they only want my money then why did they refuse it and is still trying to take my home? please help!

Company response to consumer: Closed with explanation