We purchased a rental property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, on advice of my lawyer, we formed an XXXX and the deed for the property was transferred into the XXXX. This continued for almost 5 years until XX/XX/XXXX when we received a notification from the mortgage company that transferring the deed to the XXXX was in violation to the mortgage agreement. After several back and forth between my lawyer and theirs, we did move the property from the XXXX per their demand. 
In XXXX the mortgage company offered to refinance our loan for property to achieve a better interest rate. In the process of this process we discovered in XXXX XXXX that the mortgage company had unilaterally and without any notice decided to take our excess payment of {$14.00} to a separate account. We had sent this over payment every month since the loan inception and it had been applied to the principal until XXXX XXXX. We requested of the mortgage company an explanation and they responded with the attached letter dated XXXX XXXX, XXXX. Apparently they had charged {$800.00} as a litigation fee. 
We have since paid off this loan including the {$800.00} charge. We declined to take mortgage company to court over the litigation fee since a lawyer would cost us in excess of the charge and, based on history, the mortgage company may well attempt to charge us their legal costs. For your information, we spent over {$1000.00} to change the deed back to our names. 
Following are our complaints with the mortgage company and would appreciate your assistance to resolve any or all of these issues. 
1. The litigation fee of {$800.00} charged to us by mortgage company appears unjustified. Our lawyer simply questioned them on their objection to the property being placed in a LLC. After some conversation with the mortgage company, he reluctantly advised us to change it back which we did at our expense. We believe the litigation fees charge us by the mortgage company {$800.00} should be refunded to us. 
2. The mortgage company had no right, without prior approval or notification, to take the excess {$14.00} each month and apply it to their stated litigation charge instead of the principal as had been done for years. We believe this was inappropriate on their part and they should be precluded from taking this type of action with other customers. 
Thank you for any assistance you can provide. 
