My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. 

Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. 

I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. 

I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. 

Respectfully submitted, XXXX XXXX XXXX 
