Consumer complaint received 2019-04-16
Company: FIRST COMMUNITY MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my payments when my hours were cut at work. I knew I could catch up again after my tax return arrived. I received one phone call a month from the mortgage company that left a message. The person whispered the message that was not able to be understood. I did not know who to return a call to. I tried the loss mitigation process once before and it piled up endless fees and led to harassing phone calls and being yelled at, insulted, intimidation tactics, and peculiar questioning. No one was able to tell me what those late fees were at that time either. I could not log in to my account. 
On XX/XX/XXXX I received a certified letter stating that for reinstatement to pay XXXX. That same day I went to the bank, purchased a bank check for the exact amount, went to the post office and sent it priority mail to arrive XX/XX/XXXX. OnXX/XX/XXXX a person from XXXX  XXXX phoned me and I told her I sent the amount in the letter XX/XX/XXXX. She then stated an amount very different from what was in the letter the day before. I told her that I sent the exact amount that was stated in the letter. She told me it brought me to XX/XX/XXXX payment due and asked me when I would be able to pay this. I told her I would pay it before the end of the month and the late fees. She said that would be fine since my account had not been assigned to an attorney. 
On XX/XX/XXXX I received a letter and a paper for an Automated Property service on my property. They are charging me {$14.00} for this.

On XX/XX/ I received another one of their letters stating they received my funds but because they have accelerated my loan and the payment was insufficient to pay what is owned on the loan or reinstate the loan, they are continuing with the foreclosure. Nothing has ever given me a date or time frame and what is lacking in fees is never stated. I then went to see if I could access my account, this time it let me in so I could see if I can find out what these fees were. I was then going to go in on XX/XX/XXXX to pay them. When I got off the phone with a CFPB  representative to do so, XXXX XXXX has taken away my ability to pay it online since last night ( XX/XX/XXXX ). I also sent them an email that has not been given a response other than locking me out of my ability to make a payment. At this time I found the fees that I owe that are {$120.00}. It shows Late charge assessment- {$95.00} and Property Inspection Fee- {$28.00}. However, as I said earlier, they have locked me out of my account as of today XX/XX/XXXX so I can not pay this fee or my mortgage for XX/XX/XXXX Of {$930.00}. 
On XX/XX/XXXX I received the same letter as on XX/XX/XXXX by certified mail. 
They are intending to foreclose on my property for the fees they refused to share with me in the amount of {$120.00}. I sent them the email to see if they would tell me what it was, but I did my own digging around to find them myself. I know this is not legal for them to withhold information and threaten a foreclosure. Then after I go in to find the information they lock me out of my account so I can not make a payment. I do not understand how they can withhold this information and do a foreclosure for such a small amount. I just have my current months mortgage payment to pay and their hidden fees. I also do not understand how they can charge {$14.00} for printing out a piece of paper and call it a Property Inspection Fee, and charge me the same amount each month.

Company response to consumer: Closed with explanation