My mortgage was sold from XXXX XXXX XXXX to Carrington Mortgage services in XXXX of 2015. I continued my monthly payments to Carrington starting XXXX 2015. Carrington states they raised my escrow payment beginning XXXX 2015. I never received any notice of this increase. They started not applying my payments in XXXX 2015 because it was not enough for the payment they had raised. They started charging me late fees and eventually reported late payments to credit bureaus. They did not call or send any correspondance regarding my payments ever. I found out after shopping for new hazard insurance and finding derogatory reports on my credit. They claim their actions are legit because they claim they sent me increase notice. 
