TCF National Bank Mortgage Complaint

TCF National Bank Mortgage department,

Conventional fixed mortgage Settlement process and costs Illinois

This complaint is regarding a mortgage loan I had with TCF Bank. Due to financial hardship, in - of -/-/- I received a loan modification refinance through TCF Bank. During the modification process, I was never informed of the charges of the refinance or what amounts/charges were included on the loan, even thought I asked. The day I signed the refinance modification documents, I was not given any explanation of the charges, only the interest rate and the mortgage monthly payment amount which I was happy with since it was going to be very low compared to what I was previously paying. There was only a few pages that I had to sign, very vague thought. Since I received my loan modification, I had been making timely monthly payments to TCF Bank, never receiving monthly statements from them or any other type of communication until my loan was sold to - - Servicing on -/-/-. In -, I received a mortgage statement from the new mortgage holder, - - - stating that I owed $2400.00 in late fees. Apparently TCF Bank had transferred this amount to them when they purchased the loan. I was in shock, very surprised when I


when I fell behind on my mortgage prior to obtaining my refinance, there should have not been any charges going forward as everything should have been included in the loan amount which according to the loan amount, those late fees were included and waived, at least that 's what I thought. I have been disputing these fees with - - - and I have also contacted TCF Bank, my previous mortgage holder so they can fix the issue or mistake with - but they have ignored my communication. I am at a loss and I do n't know what to do. I feel that I was deceived by TCF Bank, they were not honest and straightforward with the refinance and charges and they found an easy way out, sell the loan. Very disappointed and unhappy consumer