Consumer complaint received 2015-10-21
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, thank you for taking your time with us. Every year by XXXX 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, XXXX Union Bank, N.A. is required to purchase " force placed '' coverage for you. '' This year XXXX we received another letter the same letter to inform us that insurance of XXXX 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 XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
It started on XXXX/XXXX/XXXX I had my son 's name to purchase and to apply for the mortgage around XXXX XXXX with Guilt Mortgage under XXXX XXXX XXXX. He collected all XXXX different type of documents, from acknowledgement of receipt of regulatory compliance info to credit card authorization to pay property appraisal fee on XXXX/XXXX/XXXX. My son signed for XXXX Mortgage to do their Good Faith Estimate. We have the copies. We also advised and paid for XXXX XXXX insurance for XX/XX/XXXX. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX used XXXX XXXX XXXX, XXXX in XXXX location. My son received Union Bank document a week before closing to fill out more information. We thought that was a bank working with XXXX XXXX. This property was approved on closing dated XXXX/XXXX/XXXX from an email that we had received from XXXX XXXX. Later on, closing date changed, the Realtor told us to go to the closing on XXXX/XXXX/XXXX, to XXXX XXXX XXXX office in XXXX 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 XXXX/XXXX/XXXX. We continue to pay Union Bank that we thought that was a third party something from XXXX XXXX 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 & XXXX on XX/XX/XXXX. First payment was on XXXX/XXXX/XXXX 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 XXXX XXXX. We bought second and the third year insurance and told XXXX insurance send info to Union Bank. Also for the third year insurance document I walked in and handed to Union Bank in XXXX XXXX location on XXXX/XXXX/XXXX. They gave me a confirmation faxed copy. The mortgage did went up to {$1000.00} by XXXX/XXXX/XXXX 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 XXXX XXXX this year but they ignored my request. Union Bank sent us a notification of purchased on XXXX XXXX that my son 's property of {$150000.00} was sold to XXXX XXXX on XXXX/XXXX/XXXX. 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! XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, WA XXXX.

Company response to consumer: Closed with explanation