Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AZ)

I was charged and paid a fraudulent fee. My loan was transferred another mortgage company at the end of XXXX have had nothing but issues. I had to get my lawyers involved to rectify the errors in my account. 
When I first received information from the new mortgage company back in XXXX the statements showed I owed {$27000.00} and that I had not made payments in the last year. I do n't know whatinformation they received from the old transferring mortgage company, but I do know that I sent the new mortgage company, the court documents stating the terms to the loans from my bankruptcy that was discharged XXXX 2015. I made payments on time and monthly to the old mortgage companyaccording to terms of the agreementby the courts since XXXX 2015.There was no change to my accountafterI sent the information to the new mortgage company.So, thenI had to get my lawyer involved and they sent all thedocuments showing the court agreement and proof ofpayment since XXXX XXXX! 
XXXX, I received a monthly statement showing Iowed $ XXXX the statement there was no breakdown of why the payment was more than the monthly payment. I asked my lawyer and they thought it was due to increase in escrow. So, I paid it to avoid any late fees.When I got my statement this month is shows the extra money I paid was not for escrows but for fees. It does not state what type of fee. I should never of been charged any fees of any sort. I have made every payment according to court documents and have provided proof of payment. I called the new mortgage company. The told me they were foreclosure attorney fees. This fee is a fraudulent charge. I contacted my lawyers and they said I should not have received any fees and we can take both the old and new mortgage company to court to get the fee back and for getting my information incorrect from the beginning. I am already incurring lawyer fees to errors that were made from both bank.I should not have received any fees from the bank. XXXX companies are in violation of the confirmations order and discharge order in my bankruptcy. I have followed everything byagreement with the courts. I should not bepayinglawyers to fix errors by your bank! The terms for the loan are very clear in the court documentation. I am requesting the {$670.00} to be refunded back to me as it is a fraudulent charge. I do not have that kind of money to just throw away and expect better from our system. I have called and spoke to numerous people I have emailed them. I 'm so frustrated as I have worked hard to repair my hardships. The only way to rectify this is to pay more money to take them to court. This is criminal. I am a single mother who is law abiding and I am looking for some support as I feel I have become a victim of the system. They also are in violation of the agreement by not reporting to the credit bureau the payment that I have been made for the past 13 months. I am pleading with you to help me rectify this situation. I can not afford to hire lawyers as I already hired them. It is not right that these mortgages companies violated and continue to violate these court orders. This is affecting my lively hood and my children.