CARRINGTON MORTGAGE SERVICES, LLC
Consumer Complaints
There are over 3157 complaints on file for CARRINGTON MORTGAGE SERVICES, LLC. Dated between 2019-11-27 and 2012-05-22.
Complaints Page 29
2018-05-15
Stevenson, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Included my mortgage loan in my Chapter XXXX BK and I walked away from the house eventually. According to the BK law, Carrington Mortgage should not be reporting notice of defaults to any database that will pull my credit for another mortgage loan. They are violating the BK laws and I want them to be held accountable as well as delete my name and social security number out of these databases, immediately!
Company Response: Closed with explanation
2018-05-15
Cheverly, MD
Trouble during payment process
Mortgage: FHA mortgage
Complaint: XXXX and XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX XXXX our mortgage company is Carrington Montague serving LLC Account Number : XXXX. On XX/XX/2018 a tree fell on my garage. It went through the garage and through the ceiling causing quite a bit of damage. It took us a long time to find a company to do the repairs with the amount that was sent to us to repair the damages. When we deposited the check the bank deposited the amount into the account and then stopped payment because they said that the XXXX XXXX must also sign the check. ( see attached letter that the check was attached to, note the end of the letter says CASH IMMEDIATLY ) now the roof is off completely because we thought that the money was in the bank to pay the repairman.
Our premium is paid by us through the escrow account and is paid until XX/XX/2018 It is such an inconvenience to have to wait for another check to be re-issued sent to us and then sent to them to have them sign it Why they don't pay for our insurance policy we do!! insurance XXXX XXXX XXXX claim # XXXX Policy # XXXX
Company Response: Closed with explanation
2018-05-15
Bremen, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: Carrington Mortgage company is literally holding my credit hostage. They reported a 30 day late payment to my credit report while Im in the process of trying to get a loan with another lender ( maybe intentionally to keep this from happening ). My payment was NOT 30 days late however. We made payments on XX/XX/XXXX and again on XX/XX/XXXX. This time period is not over 30 days due to XXXX XXXX in XXXX. I wrote a formal letter to their research department stating this, and after 30 days exactly they responded that they could not remove this from my report. Furthermore, they are now suppressing the credit reporting of my on time payments for 60 days due to the dispute being filed! This is also hurting me because I am in the middle of trying to get a loan with another company, and to do so I need to improve my credit scores. This is next to impossible when my credit reporting is being suppressed by Carrington Mortgage for my on time payments. Lastly, I have called them to request a letter be sent to the company I am working with to improve my credit scores to let them know that I have made on time payments, and they refuse to do that as well! I called XXXX XXXX to do the same thing, and they literally had me a letter within the hour. They told me at Carrington that I had to go back through the research department to request this letter, and that is the only way that I could get them to send it. I find this to be very archaic, and not up to date to the digital age of sending and receiving faxes, emails, etc. This process as well could take up to 30 days. I find this ridiculous.
Company Response: Closed with explanation
2018-05-15
Wesley Chapel, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-14
Ridley Park, PA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-05-12
Magnolia, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have been trying to work out my past payments owed with both XXXX XXXX XXXXXXXX and now XXXX XXXX, to no avail. All I have been asking for is either a re-payment plan or if they could put the payments to the rears so that I can get-back-on-track. Please understand we have lived in this house for 16 years and have approximately 150-200k worth of equity in it.
All this came about because I was unemployed for 2 years, and during that time I continued to make my mortgage payments, it wasn't until the end of my unemployment cycle that we began to get behind. I now have a very good job and make a very nice salary that can afford this mortgage without any problems.
So back to what has transpired, back in XXXX of XXXX with XXXX XXXX XXXXXXXX ( who was my mortgage holder at the time ), they told me they'd work something out. Then they came back and said to submit to do a loan modification which would roll my past due payments and lower my current monthly payment at the same time. So, we proceeded to do that, submitting tons of forms, bank statements, tax returns etc., only to be told in XX/XX/XXXX that the modification would actually increase my monthly payment. Knowing this was the opposite result they then said to write a letter to not accept this modification and let them re-submit it. I said what if this doesn't change? They told me not to worry at the very least they would do a workout for the past payments. So, on XX/XX/XXXX, we started the process with XXXX XXXX XXXX all over again. Submitting tons of forms, and updated bank statements etc. And we waited to hear back..and waited. During all this time I was paying XXXX XXXX XXXX monthly so that I would not fall further and further behind. At that time, I believe I was almost 3 months behind.
In XX/XX/XXXX, we get a letter from XXXX XXXX XXXXXXXX that our mortgage has been sold to Carrington Mortgage and to contact them from this point on. So, I reach out to Carrington and they don't show me at all, they can't find me. So now I call back to XXXX XXXX XXXX I ask how to make a payment in XXXX, where does my modification and or workout plan stand and I am told that Carrington has been forwarded everything but that I need to give them a couple of weeks to get me into their system etc., I then call Carrington and they say basically the same thing.
So, I wait and keep calling Carrington until they finally, in XX/XX/XXXX they have me in their system and have assigned me an account number. So, I tell them I know that I am behind and that I was in the process of a possible modification or workout, but in the meantime, I wanted to keep making a monthly payment. I am then told that I can not make a " Partial Payment '' that I have to make the entire past due amount plus the current payments due.
I explain to them that this is what I have been trying to do with XXXX XXXX XXXX for almost a year now. I tell them that XXXX XXXX XXXX told me they ( Carrington ) were sent all the paperwork including my current modification papers. They tell me to give them a couple of weeks. I call back in a couple weeks and they tell me to call back in another week. Finally, I am told that they don't have any modification paperwork from XXXX XXXX XXXX and that I need to start the process all over with them.
So, in XXXX XXXX, we start all over with Carrington. This process drags into XXXX as they request additional info etc. All this time we are getting further and further behind on our mortgage as they will not allow me to make any payments without paying the entire past due as well. Meanwhile we are now extremely upset and start reaching out to different government agencies and finally, my wife speaks with someone at HARP who recommends we contact XXXX as they will help represent us through this process. He informs my wife that XXXX XXXX XXXX is in a class action suit for this type of behavior.
Needless to say, in XX/XX/XXXX Carrington turns us down and says we are ineligible for Unemployment Forbearance Plan, ineligible for CMS Loan Modification and ineligible for a Repayment Plan. But I am eligible for Home Liquidation.
XXXX XXXX from XXXX tells me Carrington is wrong and needs to do the right thing here. She contacts Carrington and gets them to agree to allow us to re-apply for a modification, a workout or as XXXX XXXX said they need to Cap the amount owed to the rears of your loan. So, we began the entire process again working through XXXX, again we went back on fourth for months with more documentation, updating bank statements, payroll stubs etc.
XXXX XXXX kept in constant weekly contact and told me she thinks they will do the right thing as I was unemployed for 2 years, so I certainly qualify, at the very least, for them to differ the amount owed to the end of my loan.
However, on XX/XX/XXXX, they denied us again exactly as before. XXXX XXXX could not believe it and has told me to appeal, but to also reach out to your organization for any assistance you may be able to lend.
I do not want to lose my home, I have too much equity and wonder is that why they are doing this to me? To get the equity? I am facing having to borrow from friends and family to save my house and ultimately my equity. I make a good living and can afford my home, I just need help to get the past back on track.
Please let me know if you can help.
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Company Response: Closed with explanation
2018-05-12
Foothill Ranch, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-11
LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-11
Spfld, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-10
Vero Beach, FL
Incorrect information on your report
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-05-09
TX
Trouble during payment process
Mortgage: FHA mortgage
Complaint: We purchased a new modular home XX/XX/2007, with XXXX XXXX XXXX in XXXX XXXX, TX we closed at XXXX XXXX XXXX with XXXX XXXX in XXXX, TX. Closed on a Modular Home I have all documentation. The manufacturer is XXXX in XXXX, TX contact XXXX XXXX, invoice from them shows Modular Home, I called them and he confirmed we have a manufactured home with the serial numbers. We got a loan with XXXX XXXXXXXX XXXX XXXXXXXX for XXXX they transferred our loan to XXXX XXXX XXXX which they transferred it to Carrington Mortgage. Which its been 11 years we have been making notes on our house, yes we just found this out when we received a tax bill for a manufactured house, needless to say our house we have been living in is in someone elses name in a completely different county. A Modular Home is constructed like a home you would build on your land so yes a Modular is more expensive, we put XXXX down XX/XX/2007 a manufactured home is way less, inspite of this fraud we also have been carrying homeowners insurance on a Modular House for 11 years. My husband is XXXX and all this maintaining and money we have to put into this manufactured home is making is XXXX XXXX worse, let alone we are on a fixed income. I just want help from all parties because this is fraudulent. I have all and any documentation if needed. Thank you for your time.
Company Response: Closed with explanation
2018-05-09
San Diego, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My issue is with Carrington, they just started to service my mortgage from XXXX XXXX XXXX.
They sent me a letter on XX/XX/XXXX stating : ... .. '' we are pleased to inform you that MIP on your loan has been cancelled. As a result, your monthly mortgage will be will adjusted accordingly. A revised billing statement will be sent separately. '' We made a mortgage insurance payment in XX/XX/XXXX that included the extra XXXX as the payments crossed in the mail. In XX/XX/XXXX and XX/XX/XXXX, we made our regular payment less the PMI of XXXX.
The letter with the revised billing statement never came. I wrote 2 letters, and ask for help on their help line on their website. They stopped applying our payments to our loan.
Yesterday, I received a letter dated XX/XX/XXXX. It stated that " removal of MIP does not immediately affect the scheduled payment, the payment will REMAIN THE SAME '' until we generate a new escrow analysis ONCE A YEAR.
Can you please find out why they are demanding that we continue to pay for a service that has been cancelled? And why they aren't applying our payments to our loan? And why we can't receive a refund for the OVERPAYMENT of the PMI in XX/XX/XXXX after it was cancelled? Thank you.
Company Response: Closed with explanation
2018-05-09
Wind Point, WI
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: In XX/XX/XXXX my husband was out of work and we fell behind on our mortgage. After a lot of work and time we were able to prevent our house from going into forclosure by getting a loan remodification with XXXX XXXX XXXX. This helped for a while but we were still not able to keep up so in XX/XX/XXXX we filed Chapter XXXX bankruptcy to basically keep our house. The Bankruptcy was basically only filed for the amount that we were behind, which was {$17000.00} and of course legal fees. So shortly after we filed, XXXX XXXX XXXX sold our mortgage to Carrington Mortgage, and did not send us any statements for months and still, they do not send us any statements. The whole thing is a mess and we are told we can not get statements because we are in bankruptcy. Then 3 years later we get a letter from XXXX XXXX XXXX 's lawyers, which not even sure why they are bothering us when they don't hold the mortgage, but now they want to sell our house because we missed 6 payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$6600.00}. Except I have proof that all of those payments have been made. They are also claiming that XXXX XXXX XXXX who at the time was Co- Debtor should be responsible for the {$17000.00}, except for he is deceased and has been since XX/XX/XXXX and was removed from the home and the loan back in XX/XX/XXXX, way before we filed bankruptcy So here is my concern, what gives them the right to do this to us. Cause this grief to people, cause me to spend money that I don't have because I have to get my lawyer involved!!!
Company Response: Closed with explanation
2018-05-09
Old Westfield, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is a follow up to my last complaint as nothing has gotten resolved. CMS and their lawyers XXXX XXXX XXXX continue to ignore and or not communicate with my lawyer. To date they have accused myself and my ex husband of fraud, yet have not stated what kind of fraud or provided any proof to my lawyer or the court. Yet they have now closed my case, cont to ruin my credit and are going to take my house. Their rep did respond to my complaint but unfortunately did not bother to read it as seen in their response. I have since found out that their lawyers, XXXX XXXX XXXX are being accused of defrauding their clients, which is probably why we dont hear from them
Company Response: Closed with explanation
2018-05-05
La Place, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-05-04
Garfield, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-04
Wonder Lake, IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-02
Denver, CO
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-05-02
Baldwin, CO
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-02
Fortuna, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I fell behind on my mortgage about 6 months ago due to separating from my wife and then my mother passing, two of the roughest moments in my life. I tried to reach out to Carrington to make up my payments but they wanted everything in full, which being on a fixed income of SSI, I could not realistically do. Then the other day I received a Notice of Trustee sale for a sale date of XX/XX/2018, not even 10 days notice to prepare for other options or try to seek for help. I am aware that the Notice of Trustee sale should be notified within 22 days of the sale date which it was not. I am familiar with the HBOR laws and I was never provided with a point of contact throughout this foreclosure process, Carrington never offered or told me to submit documents to be reviewed for any type of assistance.
Company Response: Closed with explanation
2018-05-02
NY
Trouble during payment process
Mortgage: FHA mortgage
Complaint: In the month of XX/XX/2018 I submitted payments to Carrington Mortgage Services LLC in the amount {$6500.00} mailed to the company for an additional principle payment. I additionally made my standard monthly payment of XXXX with an additional principle payment {$320.00} which totaled {$3000.00} which includes the XXXX $ fee for paying it on line. The total payment of {$6500.00} was credited to my standard monthly payments of escrow, interest, insurance and a small amount of principle instead of a total principle payment. This pushed my next payment out until XXXX.
This principle payment was made to lower my mortgage balance and remove the PMI ( primary Mortgage insurance ) from my loan.
I have called this company 4-5 times to have them correct the payments and credit the interest to my principle balance to no avail. Each time they are contacted they tell me to call back in 72 hours and nothing is corrected. Carringtons number is XXXX during this process they continue to collect interest on the money i have already paid them and additionally collect primary mortgage insurance they are not entitled to. This is outright fraud and a direct violation of the truth in lending act.
I would like to file a formal complaint against this firm for their truth in lending as they continue to defraud and allocate funds to imaginary accounts holding these funds to pay balances as they wish instead of following the directions from the borrower.
XXXX XXXX -- XXXX
Company Response: Closed with explanation
2018-05-01
Marrero, LA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-04-30
Indianapolis, IN
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX IA XXXX RE : Carrington Mortgage XXXX XXXX XXXX To Whom it May Concern I am an XXXX XXXX single mother of XXXX amazing children, ages XXXX and XXXX. I am reaching out to the CFB to obtain a complete understanding of my current mortgage loan with Carrington Mortgage Services and determine if I truly owe an additional {$27000.00} on my home loan.
In XX/XX/XXXX, my now ex-husband lost his job putting us in a very difficult financial situation. As a result, we filed for a loan modification with our lender, XXXX XXXX XXXX. XXXX approved our modification on XX/XX/XXXXwith the following terms : - We would owe an additional {$26000.00}, which would be included in our new total balance of {$100000.00}. Payments would begin on XX/XX/XXXXat {$720.00} per month until XX/XX/XXXX
On XX/XX/XXXX my divorce was finalized, granting me sole possession of our home. Although these past three years have been difficult for myself and my children, we remained focused and worked hard. I have continued to make timely monthly payments to XXXX since XX/XX/XXXX. I was fortunate enough to save up enough money to purchase a home for just me and my children. A fresh start.
On XX/XX/XXXX I received notice that my loan would be transferred to Carrington on XX/XX/XXXX. Although no account balances were listed on that notice, I do have a payment ledger showing a balance of {$87000.00} as ofXX/XX/XXXX from XXXX During this time I had already begun preparing to list my house for sale. I was pre-approved on XX/XX/XXXX for {$200000.00}. Shortly after that, I received a random call from XXXX XXXX at Carrington indicating that I owe an additional {$27000.00} towards my loan. However, he stated that XXXX did something wrong so Carrington is correcting their error by waiving that amount in full. XXXX stated that he would waive the $ XXXX if I refinanced my loan with Carrington. The new loan would be solely in my name, which would also eliminate the need to involve my ex-husband in the sale of my home. I indicated that this seemed questionable so I asked him to send me verification of this balance. He told me he didnt have anything in writing but could send me a screen shot. I told XXXX that I needed to do some research on this but I would call him back.
After doing some research, I was still hesitant so I reached out to XXXX to confirm the information he promised. He again confirmed the interest would be waived and assured me it would not affect the sale or purchase of my new home. He even offered to meet me on Saturday XX/XX/XXXX to finalize the ppwk. Meeting outside normal business hours again seemed odd to me, so I began to include a Carrington supervisor in my correspondence after that.
Again, my entire concern was that out of nowhere, someone from Carrington contacted me and stated I owed an additional $ XXXX towards my loan, but no worries, well write that off. I believed that this was a blessing that I never knew I needed. I decided to reach out to my realtor, who accompanied me to Carrington on XX/XX/XXXXto finally meet someone in person who could answer my questions so we could move forward with the process. XXXX again assured me that the process was simple, they do waivers all the time for balances extremely higher than mine. Carrington even promised to reach out to my ex-husband to sign off on the needed ppwk.
I completed and provided all of the additional documents to Carrington onXX/XX/XXXX. I followed up with Carrington onXX/XX/XXXX and thats when XXXX replied stating he didnt want to be the bearer of bad news but my waiver was denied. I immediately began inquiring about the waiver process, only to receive very vague answers.
At this point I am completely frustrated and I have no idea how to proceed. After everything my children and I have gone through, we cant afford to just accept an additional {$27000.00}. Carrington reached out to me, made several promises and now they are trying to retract everything they told me.
I would love the opportunity to speak to someone in detail about this matter. I have so many questions like how do I proceed? Was Carrington acting ethical? Do I indeed owe {$27000.00}? I would be truly grateful for any assistance you can give to help fairly correct this matter.
Company Response: Closed with explanation
2018-04-30
Sayreville, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have been harassed by a XXXX XXXX, who claims he works for Carrington through XXXX XXXX, about the status of my loan and when I will be paying. XXXX has threatened to send up to 4 people to my home to remove my family as we are not speaking to him, as Carrington has repeatedly denied having any knowledge of him and denied even utilizing third party agents. XXXX XXXX still claims he works for XXXX on behalf of Carrington, has claimed Carrington doesn't know what they are talking about, has repeatedly tried to get me and my family members to agree to pay more than what's owed ( I currently owe aprox. {$22000.00} and he told my son-in-law that I owed {$50000.00} ). He has gone as far as to even email 6 different email addresses with my daughters name and our street address, not knowing if it was her, and even though my daughter is not on my loan. I am trying to make right by my loan, but am afraid to trust anyone, whether it be this XXXX character, or someone from Carrington since I have no idea who is right in this matter. I would appreciate being able to deal with one person and will gladly do what's necessary to make my loan whole again, or if I can find another lender deal with another lender. Proof of said emails can be furnished upon request as well as call records from when he called my cell phone.
Company Response: Closed with explanation
2018-04-29
IL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: The below information was sent to Carrington Mortgage Company. It will explain everything in detail. Thank you in advance for your assistance.
Carrington Mortgage XXXX Attention Research Department & Escrow Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan Number XXXX Dear Research/Escrow Department Im writing this letter to dispute the decision of having a shortage reserve fund for my escrow account. When I was speaking to your customer service department they referred to this as a cushion in case my escrow goes up.
My loan was recently transferred from XXXX XXXX XXXX and I was never required to have more that what it would cost to cover my homeowner insurance and my property taxes. If the bill increased I would pay the difference and at that point my mortgage payment would increase to make sure the appropriate amount is there for the next billing cycle. I was advised that nothing would change when my loan was transferred over. I understand that my payment terms have not changed but Carrington Mortgage is requiring me to have more than the billing for taxes and insurance having a cushion INCASE the payment goes up.
On XX/XX/2018 - I called in and spoke to XXXX, XXXX and a supervisor named XXXX. They all told me that Carrington chooses to opt out in allowing their homeowners not having that cushion and requires it with everyone they said its not required but as they made the decision to make a it this way for every homeowner they service. Well thats already one change from the transfer. For the last 8 years I was not required to have it and now you raise my mortgage payment assuming my bill will increase. ( you dont even have the next bill yet ) 1 ) I advised that if its not a mandatory regulation as stated by XXXX and you chose to opt out, well I as the homeowner should also have the option to opt out. Why should I pay you more than what is needed? All of the funds are placed in a bank account and you as the mortgage collect interest off of our money. I get it, thats one way of making money. If I have to pay you more than the billing just in case then I should receive some of the extra interest that you are making off of my extra funds. I know that this will not happen Im just trying to prove a point. Why give you more than needed. If the bill goes up then either way I will have to pay you.
2 ) XXXX also mentioned on the call that when you pay the property taxes in two parts ( splitting in two ) Carrington gets a discount. I would like to know what is the discount and does this go toward my account or does Carrington keep these funds?
3 ) I did the math with XXXX and by XX/XX/XXXX, you will have enough funds to pay both my full escrow payment that is due on XXXX first as well as my homeowners insurance that is due at the end of XXXX. ( with some left over ) When I make my XX/XX/XXXX payment, you will have over {$800.00} to start my next years escrow account.
With this being said how you can already anticipate what my billing is before you even receive it. Based on last years billing I have more than enough to cover all necessary items including PMI. Now, I completely understand if the bill goes up but as of now I dont feel I should give you any more than I should and I should have the right of not paying the difference that you are requesting in my payment change. Im requesting not to have a cushion as I advised your customer service representative.
Last Tax Bill - {$8200.00} Due in Full by XX/XX/XXXX Last Insurance Bill - {$1100.00} Due end of XXXX Total For Both - {$9300.00} Current Escrow Balance - {$6200.00} Monthly Escrow Payment - {$780.00} already excluded PMI. This is just for Taxes and Insurance {$780.00} for 5 months of escrow remaining = {$3900.00} Total in escrow account by XX/XX/XXXX - {$10000.00} {$10000.00} - {$8200.00} ( Taxes ) {$1100.00} ( Home Insurance ) = {$810.00} left in the escrow account.
As you can see from the above, even if you dont count the XXXX installment, I still have enough to pay both taxes and insurance.
Im requesting that my payment goes back to the original payment until you receive the new billing. Im requesting that I do not include an additional increase of payment to cover for any potential increases. I would rather keep my own money in the bank and pay the extra increase if the billing increased. My loan is current and I dont feel I should have to pay you more that what is needed. I can save my own money.
XXXX advised me that she completed understands and that Im not the only person that has been complaining about this, many others are as well.
This information will also be sent to the CFPB, I will be filing a complaint in regards to this situation.
Please feel free to reach me at any time to discuss this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation