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None. In XX/XX/XXXX I reviewed my statement and discovered that several thousands of dollars in fees had accumulated in a separate balance on my mortgage account. Those fees were not reflected in my outstanding balance so I never noticed they were present until I checked my statement. After reviewing the fees, I discovered that I was being billed for electricity and several property inspection fees as if my home was in foreclosure, but my account was current and a tenant lived on the premises. An investigation revealed the mortgage company, which at this time was Ocwen, called my electricity servicer, XXXX XXXX XXXX XXXX and XXXX, removed my tenant 's name from the electricity bill, and billed me for those fees. Those fees accumulated in this separate balance for several years dating back