The entire system for refinance is dysfunctional. I've also experienced title companies calling and requesting EOI's on a RUSH! basis...I'm happy to comply, request the change from the carrier and then 3 months or more later hear from the former lender because they're now off the policy and the refi never went through and nobody bothered to let me know. And, I've gone ahead with carrier change requests, the deal falls apart, nobody notifies me and the former lender never seems to notice they're no longer listed as mortgagee.
I've given up...my attitude is I'll make any change requested in writing from either a lender or title company and if there are problems with E&O down the line, let the burden of proof notice of recission to me be as documented as their original request. I'm just resigned to the fact lenders, title companies and insureds don't care about my issues.