Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I received a letter from Carrington Mortgage Services dated   XXXX   XXXX   XXXX   stating, " Our records do not show receipt of your   XXXX   payment in the amount of {$420.00}, and as of  XX/XX/XXXX , a late charge in the amount of {$0.00} has been assessed. Your total payment amount due is {$470.00} ''.   XXXX   XXXX   XXXX   I sent a response to  Carrington th at the  XXXX  Payment was paid and included a copy of my bank statement for proof. I received a " Notice  of Intent To Fore close '' letter dated   XXXX   XXXX   XXXX  . I received a written response from  Carrington da ted   XXXX   XXXX   XXXX   that states "  CMS find s the written inquiry submitted either does not contain a signature or bears a signature that does not match our records. We have enclosed a copy of the original request for your records and further review. Once you have signed the written inquiry, please resubmit your request for further review ''.   XXXX   XXXX   XXXX   I contacted  Carrington Custo mer Service - Phone #  XXXX  and talked with a representative identifying herself as "  XXXX  - Employee #  XXXX .  XXXX  requested I Fax a bank statement to her as supporting documentation which I did that day with a copy of my bank statement for proof of payments that went back 8 months. I also included copies of my   XXXX   Tax and  Homeowners Insurance pa yments. All signed. I did not receive a response regarding the Fax. I received a letter from  Carrington  dated   XXXX   XXXX   stating, " our records do not show receipt of your  XX/XX/XXXX  payment in the amount of {$420.00}, and as of  XX/XX/XXXX , a late charge of #  XXXX  has been assessed. Your total payment due is {$470.00} ''.   XXXX   XXXX   XXXX   after no response I Faxed another copy of supporting documentation t o Carrington Custom er Service. I went ahead and mailed a payment Certified Mail of {$470.00} to ensure everything was covered while I was dealing with  Carrington C ustomer Service. I than received a Certified letter  from Carringto  XXXX  dated  XX/XX/XXXX  " Notice of  Intent to Foreclose. The  above referenced loan is in default because the monthly payment  [ s ] due on a nd after  XX/XX/XXXX  have not been received. The amount required to cure the delinquency, as of the date of this letter, is {$890.00} less {$0.00} monies held in  Unapplied ' '. As of   XXXX   XXXX   XXXX   I still have not got a response fro m Carrington Cu stomer Service. I recently went paperless billing which was a mistake, as now I have to rely upon "  My Carrington ' ' on line Web site to verify monthly amount due. My account on this site is consistently inaccurate on "  Amount Due ''. Carrington h as now listed my Mortgage account with the Credit Bureaus as 60 days late. I have done everything requested of me fro m Carrington Mortgag e Customer service from the start of this issue but am not getting a response. I need my account corrected, late charges returned, at the Credit Bureaus data corrected. Please see Attached documentation :

Company response to consumer: Closed with explanation