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Were you charged a fee just because you paid your mortgage online or by phone?

Aug 24, 2020
Shamis & Gentile, P.A.
COBRA Notice Class Action Lawsuit

Have you recently made a mortgage payment online? Were you charged a small ‘penalty’ or ‘processing’ fee for doing so? Then you may qualify to file or join a mortgage payment fee lawsuit

Based on data collected by, many borrowers claim that these ‘convenience’ fees, as they are otherwise known, can range anywhere from $5 to $15 per online or telephonic transaction. 

Here is how to determine whether or not your lender has made a legal blunder. 

Is it illegal to charge fees when clients make their mortgage payment online?

It depends on the terms laid out in your loan agreement. Online pay-to-pay fees are not necessarily illegal, and if they have been clearly stipulated in your loan agreement, it is considered perfectly legal for your lender to charge them. However, warning bells should go off if your lender is charging you to make mortgage payments online, even though these fees were not mentioned in the agreement. 

Regardless of what is included in your loan agreement, the Consumer Financial Protection Bureau (CFPB) has cautioned financial institutions against charging excessive ‘convenience’ fees. Therefore, if you have been charged fees on the upper end of the scale, you may still qualify to file a mortgage payment fee lawsuit. The best way to find out whether you have a solid case is to approach a mortgage payment fee lawyer for advice. 

Here at Shamis & Gentile P.A., we can assist you with information and support if you have been charged unfair or illegal fees relating to making a mortgage payment online. Contact us today to set up a free consultation with a mortgage payment fee lawyer. 

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