RBS Citizens Mortgage Complaint

RBS Citizens Mortgage department,

Conventional fixed mortgage Settlement process and costs New York

- / Citizens Bank, N.A. adds fees for additional insurance to my mortgage year after year. Year after year I 've requested the additional insurance removed, completed all required forms and submitted all requested information. I had been advised the insurance would be removed when calling after confirming I met all their requirements in prior years, but the insurance was not removed. This year a law firm has become involved, I 've made - attempts to submit the forms, only to be told today that the address that Citizens Bank provided was incorrect. I am now being asked to complete and resubmit forms a - time. The additional cost of the insurance is significant each year, and with the FEMA flood insurance increases in addition to our own personal home owners insurance that is required seems excessive. Each year I have gone through this process of sending forms after forms, then call after call I usually get told it will be removed, but never has been. I do n't feel that their practices are appropriate, their process is nearly impossible especially for someone working full-time and I feel their information is deceptive. This additional insurance requirement was added later after loan origination, disclosures sent, but again obviously they do n't want to enable a consumer to remove or reduce this added insurance no matter how much additional coverage the homeowner has on the personal policy.