Union Bank Mortgage Complaint

Union Bank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Washington

Hi, thank you for taking your time with us. Every year by - Union Bank will send out an " Important Hazard Insurance Notice '' letter. That letter will say, " If the renewal policy is not received within 45 days after the expiration date, - Union Bank, N.A. is required to purchase " force placed '' coverage for you. '' This year - we received another letter the same letter to inform us that insurance of - we bought is going to expire. They knew we bought insurance every year before time but Union Bank charged anyway using the term " force placed '' coverage $790.00 on -/-/-, -/-/- and -/-/-. It started on -/-/- I had my son 's name to purchase and to apply for the mortgage around - - with Guilt Mortgage under - - -. He collected all - different type of documents, from acknowledgement of receipt of regulatory compliance info to credit card authorization to pay


received Union Bank document a week before closing to fill out more information. We thought that was a bank working with - -. This property was approved on closing dated -/-/- from an email that we had received from - -. Later on, closing date changed, the Realtor told us to go to the closing on -/-/-, to - - - office in - and she provided an address. So my son went into to the title company alone to sign the closing document. We celebrated without any concerns. We did received a first leading customer service letter from Union Bank after -/-/-. We continue to pay Union Bank that we thought that was a third party something from - - for a while. The mortgage was listed $160000.00. The mortgage ended up a loan of $150000.00 after we paid for all costs in that closing but did not realized Union Bank already charged " force placed '' insurance coverage & - on -/-/-. First payment was on -/-/- amount of $990.00. ( Principal & interest $740.00, property taxes $170.00, and insurance $64.00 ). We are paying $1000.00 per month and continue. Union Bank denying that we paid for insurance every year. We bought insurance before the closing with - -. We bought second and the third year insurance and told - insurance send info to Union Bank. Also for the third year insurance document I walked in and handed to Union Bank in - - location on -/-/-. They gave me a confirmation faxed copy. The mortgage did went up to $1000.00 by -/-/- again with a charged of " force placed '' coverage $790.00 of the insurance coverage. I tried to talk and sent a letter to Union Bank with questions since - - this year but they ignored my request. Union Bank sent us a notification of purchased on - - that my son 's property of $150000.00 was sold to - - on -/-/-. We are very confuse and sad. Union Bank is doing absolutely wrong to made us to pay double insurance coverage for 3 years, and continue ignore us as their customer. Please help! - - - at - - - -, -, WA -.