On XX/XX/XXXX, I received a letter from LenderLive Network informing me " that the servicing of [ my ] mortgage loan has been transferred to a processing center at LenderLive Network '' and that " the right to collect payment [ by LenderLive ] is effective XX/XX/XXXX ''. I did nothing at the time, thinking it was fraudulent, since I had received another similar letter back on XX/XX/XXXX stating that my loan " was sold to XXXX XXXX or to XXXX XXXX as trustee for a trust holding your mortgage loan on XX/XX/XXXX '' but that " the sale of your mortgage loan does not affect any term or condition of the mortgage, deed, or note '' and " requires no action on your part ''. Then on XX/XX/XXXX, I got a notice of " payment past due and credit score warning '' from a debt collector, stating that " LenderLive Network was now servicing my account on behalf of XXXX XXXX - XXXX XXXX XXXX ''. There was also an itemized bill accompanying the notice dated XX/XX/XXXX that had an extra amount of {$68.00}, supposedly due to the absence of PMI. The original lender, XXXX, never made contact with me regarding the transfer of the loan, which is why I did nothing with the XXXX XXXX letter from LenderLive. I contacted LenderLive, and they explained the difference in cost by saying that they were billing us for an extra {$68.00} due to the absence of PMI when XXXX was in charge of the loan. I then paid the increased Escrow amount for XXXX, bringing my total to {$1200.00}. I created an online account with LenderLive, and when I logged in to pay XXXX 's bill, the amount due was back to the original {$1100.00}. My complaint is due to the following : ( 1 ) not being given notice from XXXX that my loan was sold and thus charged late fees by LenderLive during the transfer process when my account was in auto-pay and ( 2 ) that the value of the mortgage went up -- I am being charged more for PMI after LenderLive took over the loan because they said I had n't been paying PMI at all when the loan was being serviced through XXXX. 
