Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a mortgage with Bank United, Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. i have made all of the 180 payments as per the terms of the mortgage and the note, all payments were made on or before the due date. The maturity date of the loan was XX/XX/XXXX.

I contacted Bank United a few months before the maturity of the loan as I had noticed a discrepancy on the mortgage statement. This was the first time that I had seen on the mortgage statement, payments other than the principal and interest payments that I was making throughout the life of this loan. I was told by the agent that Bank United had to put forced place insurance on the property during XX/XX/XXXX to XX/XX/XXXX as the property was not insured during that time. This was not accurate information as the property was in fact insured during that time. I produced all of the evidences of insurance proving that Ihad insurance on the property during this period. Bank United accepted the fact that the forced placed insurance was an error on the part of the Bank.

I then received another mortgage statement showing that I still owed an amount over and above the principal and interest payments. I again contacted the bank and inquired about the balance owed, I was told that the amounts are linked to the misplaced insurance that the bank placed on the property during XX/XX/XXXX-XX/XX/XXXX. I requested to speak with a supervisor and was told by the supervisor that the mortgage statement will be reviewed and that all amounts that relate to the misplaced insurance will be removed.

After a number of weeks I received another mortgage statement with the same incorrect balance owing. I requested that the bank break down the figures so that I can see exactly what the bank is claiming he owes as I was being told conflicting information about the amounts being removed and what exactly the figure represented. I received from the bank a history of his payments. The history of his payments does not reflect the amounts that the bank incorrectly added to the loan. It does, however, reflect that I made all of the required 180 payments pursuant to the mortgage and the note.

I then received a letter from Bank United stating among other things that I should have reported the matter of the misplaced insurance during the time that the amounts were added to the loan. I was not aware that the bank put forced place insurance on the property during that time. I became aware of this issue a few months ago and I immediately contacted the bank. At no time did I receive any letters from the bank regarding this insurance issue and it was not on any of the mortgage statements during the period of time in question. I requested that the bank send me copies of all the statements and letters that were sent to me by the bank in XX/XX/XXXX-XX/XX/XXXX. The bank resent to me the history of my payments made to the bank. Again, this document does not reveal any of the requested information.

Bank United continues to send statements to me showing that I owe {$2200.00}. In have not made this payment ; this amount is as a result of a mistake made on the part of Bank United and ought not to be my responsibility. The bank has indicated to me and that the forced placed insurance was done in error by Bank United. Bank United ought properly to remove all the costs that would have been incurred as a result of their mistake.

I have requested proof of payment of the forced placed insurance on this property showing that Bank United did in fact make this payment on this property, I have not received this. I requested information as to whether or not Bank United made a claim on their insurance regarding this issue and if an insurance claim was made whether Bank United has received payment on the claim, I have not received any information on this request.

Bank United has begun to report this nonpayment to the credit reporting bureaus and my credit has been and continues to be negatively impacted. This is affecting my creditworthiness and my ability to access credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation