Real Estate Law
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Hi and welcome to JA. Ray here to help you today.
No it would not be legal to change here without telling you and you giving written informed consent.You can report this and seek to have action taken to resolve it.The NY Department of Financial Services can help you here.
It certainly was not proper and you have rights to correct this matter since you did not give consent to such a change.
I would file with the state Attorney General Consumer Section too