EverBank Complaint: Loan servicing, payments, escrow account

#1440720 26 Jun 2015

Mortgage FHA mortgage

Complaint #1440720 submitted on 06/26/2015 relating to EverBank. Complaint relates to Mortgage FHA mortgage - Loan servicing, payments, escrow account .

Complaint was submitted via Web and sent to the company on Friday 26th June 2015.

Narrative (may be redacted).

I contacted Everhome Mortgage to advise them that I was looking at selling my house on land contract and asked if that was allowable under my mortgage. They advised it was and that I simply needed to make sure that I provided them with proof of insurance from the new buyer when the sale was completed. I made sure that I complied, having the buyers insurance company sen Everhome evidence of insurance for the closing showing the buyer paid a premium of {$280.00}. Everhome in turn submitted a check to the insurance company for {$280.00}. although the insurance was shown as already having been paid. The payment was made to the insurance company on XX/XX/XXXX. On XX/XX/XXXX another check was sent to XXXX XXXX XXXX out of my escrow for {$900.00}. XXXX XXXX XXXX XXXX claims that they never sent Everhome any bills but simply evidence of insurance. XXXX XXXX XXXX in turn sent a refund to the buyers agent for the combined amount and the buyer 's monthly insurance premium was reduced by the buyer 's agent - with no explanation as to why. Therefore the buyer had no idea someone else paid their insurance.
I contacted both Everhome Mortgage and the insurance broker and each continued to tell me it was the others problem. In the mean time Everhome increased my monthly payment requirement to the escrow account.
I finally got the insurance broker to agree tto start a process of reimbursing me however it is impossible to make any progress in my attempts to keep Everhome from making a payment to the insurance company when they send proof of insurance again. I continue to be told by Everhome personnel ( I believe both phone calls to their customer service rep XXXX on XX/XX/XXXX, the first shortly after XXXX were recorded ) that when they receive proof of insurance they will send a check to the insurance company. I have been told it makes no difference if the proof of insurance shows no premium is due or the policy has been paid in full. I have been repeatedly transferred around, put on hold and transferred back to the area that originally transferred me time and time again. It appears that Everhome subscribes to the policy that if they transfer you enough times you will get frustrated and stop calling. All I want is to get them to stop paying someone else 's insurance company that is n't asking for money.

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