This complaint is regarding a mortgage loan I had with TCF Bank. Due to financial hardship, in XXXX of XX/XX/XXXX 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 XXXX XXXX Servicing on XX/XX/XXXX. 
In XXXX, I received a mortgage statement from the new mortgage holder, XXXX XXXX XXXX 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 saw such amount, why is this coming up now? - more than XXXX years had passed since I got the loan modification and nothing had been mentioned by TCF bank since then, I never received any notification charges from them, so why was this happening now. 
Late fees were accrued 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 XXXX XXXX XXXX and I have also contacted TCF Bank, my previous mortgage holder so they can fix the issue or mistake with XXXX 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 
