Consumer complaint received 2018-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I previously filed a complaint against this bank, XXXX XXXX. I read their response to my concerns and I disagreed with their version for the reason they wanted to increase my mortgage amount by more or less than 25 % of the original agrreed amount. 

Therefore, I am writing this note responding to their explanation for the so-called error they claimed they have made. 

In their response, they have stated that the reason they wanted to increase my mortgage was because an insurance company, Florida Specialty, did not want to issue a policy on the property due to underwriting issues. 

Well, if that was the case, I should have heard aboout it, directly, either from the insurance company explaining to me the underwriting issue they are referring to, or, from the Agent, himself. I heard nothing other than a new payment book from the bank telling me what my new monthly was going to be. 

In fact, when I called the bank to ask them to explain the reason they sent me a new payment amount after I have been making payments for the agreed amount ( {$1300.00} ) instead of XXXX XXXX dollars, they did not mention of having a problem with insurance. Instead, they said that they made a mistake calculating the first mortgage payment they gave me which amount I have been paying to them for about two months. 

At that point, I asked them : if you claimed that you made mistake in calculating the {$1300.00}. 

what else did you make mistakes about in this transaction? 

I think their blaming misconduct on the insurance company is a startegy on their part to circumvent the rules and to cover their track because they realized that someone was paying attention to what they were doing and they got caught. They should be allowed to get away with a vialoation like that has caused me so much pain and suffering to the point where I came close to losing my livelihood, my job. 

Besides, if that was true that the insurance company was ready to cancel a policy that they already issued on the property, they should have told me about as well and immediately return the check they received for the primium for almost two months prior. No on that happened. 

But, I received a check from for {$440.00} after I filed my complaint with CFBP. Why didn't I receive such a check long time ago? Again, someone is covering their tracks to prevent CFBP discovering the abuse that they have intended to inflict on me, as a consummer. 
That's waht is going on. 

Their misconduct affected my health and my daily living. I don't want another little guy like myself to fall victims to big predatory acts like where the consummer feels this is case between XXXX and XXXX and little XXXX does not stand a chance against such a gaint who has at his disposition all sort of clever excluses not be held accountable for their actions. 

A violation occurred here and it should not be pushed on under the rug like this ; like it's nothing while the consummer has big wounds showing the abuse he has endured from this major institution who has no intention to take any responsability for the harms their actions have caused.