| 02/05/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Complaint against Fidelity National Financial , Inc for making false statements to Federal Authorities and violations of RESPA and FDCPA.
On XX/XX/XXXX someone acting as XXXX sent me flagrantly fake Modification and VA Partial Claim which should be returned to ServiceLink after recording at XXXX XXXX XXXX XXXX XXXX CA, XXXX.
ServiceLink is a chain of shell nest doll corporations registered by Fidelity National Financial , Inc employees, mostly lawyer XXXX XXXX XXXX who was acting as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX who stated its place of business XXXX XXXX XXXX XXXX FL XXXX, which is XXXX and XXXXXXXX XXXX address.
All other employees of ServiceLink XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. are also employees of XXXX and XXXX and collectively hold about XXXX various jobs within XXXX network, from secretaries to Presidents.
XXXX employees registered at least 15 ServiceLink corporations in CA between XXXX time ; 15 ServiceLink corporations in Michigan ; over 20 ServiceLink corporation in Florida ; total more than 800 ServiceLink corporations over the Country, so it was unclear to which ServiceLink my documents must be returned -and by whom - after recording ; who authorized ServiceLink to accept these documents and what ServiceLink is going to do with these documents after receiving it from Recorders office.
On XX/XX/XXXX I submitted my Complaint to ServiceLink to clarity which ServiceLink was mentioned as a recipient of my documents ; disclose who granted ServiceLink authority to accept my recorded Modification and VA Claim and what ServiceLink employees are going to do with these documents after they receive them. To my surprise, this Complaint made a detour and went to XXXX instead of ServiceLink, like all following complaints.
Thus this is fair to assume that unsigned responses from ServiceLink were prepared and filed by XXXX undisclosed to me employee and all services such as Title Report and other title related activities were performed by XXXX employees because ServiceLink exists in name only and operated by XXXX and XXXX personnel.
The same Complaint was filed with XXXX who said that it is not related to them.
On XX/XX/XXXX ServiceLink employee ( aka XXXX ) said : ServiceLink 's full corporate name is ServiceLink , LLC. It is a licensed title agency. ServiceLink was retained by XXXX to provide a title report to XXXX for property located at XXXX XXXX XXXX, XXXX, MI XXXX. If the modification agreement is signed, ServiceLink would also be retained, in its capacity as a licensed title agency, to record the modification agreement in the county real estate records for the county where the property is located. ServiceLink has no other involvement in the transaction described in the complaint.
This respond did not address my questions if ServiceLink knew that their name was being used to assert functions that Servicelink does not perform. Second, this respond said that ServiceLink was already retained by XXXX to provide a Title report for my property but did not verify if Servicelink actually performed this Title report.
According to CA Secretary of State ServiceLink , LLC was a dissolved on XX/XX/XXXX corporation located at XXXX XXXX XXXX XXXX. XXXX CA XXXX while my documents must be sent to unknown to me ServiceLink located at XXXX XXXX XXXX XXXX, XXXX, which must be an active Corporation to accept these document.
I resubmitted my Complaint with CFPB- which again went to XXXX XXXX
On XX/XX/XXXX ServiceLink ( aka XXXX ) responded : ServiceLink is not, despite the complainants claim, performing sub-servicing activities on her loan. As stated in our prior response, ServiceLink was retained to perform title related activities in its capacity as a licensed title agency. ServiceLink is a national provider of title agency activities and is duly qualified to do business in Michigan, where this property is located, as ServiceLink , LLC and has been so qualified since XXXX. ServiceLink is not responsible for the content of any documents sent to the complainant and any questions related to the documents would need to be directed to her lender.
This is true that ServiceLink , LLC was registered in Michigan on XX/XX/XXXX by XXXX lawyer XXXX XXXX as a shell corporation for ServiceLink Title Company LLC, member of ServiceLink XXXX , LLC which is a part of ServiceLink Holding , LLC, Pennsylvania corporation under leadership of XXXX XXXX who report to XXXX XXXX XXXX, XXXX, Chairman of XXXX and XXXX XXXX after XXXX reorganization of the former XXXX XXXX XXXX XXXX XXXX ( XXXX ) businesses, the formation of a wholly-owned subsidiary called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and the issuance of a 35 % interest in each of XXXXXXXX XXXX two operating subsidiaries, ServiceLink Holdings , LLC ( ServiceLink ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), to funds affiliated with XXXX XXXX XXXX XXXX XXXX XXXX and certain related entities. XXXX XXXX, through ServiceLink and XXXX, now owns and operates the former XXXX businesses and XXXX ServiceLink business. XXXX core operating subsidiaries now consist of Fidelity National Title Group , Inc. and XXXX XXXX.
But it is unclear why ServiceLink , LLC, Michigan corporation under management of ServiceLink Holding LLC, Pennsylvania corporation, both have no registration in California, demands to send my recorded documents to unknown to me ServiceLink in California and which ServiceLink should received these documents if here are 15 companies registered in California by XXXX XXXX employees which bear ServiceLink name.
On XX/XX/XXXX someone from XXXX responded to my complaint and said : XXXX subsidiary ServiceLink was retained by XXXX to provide title-related services for XXXX XXXX XXXX This has been explained in ServiceLinks prior response to XXXX XXXX CFPB complaints. Outside of those services, XXXX has had no involvement in the transaction at issue, and none of the individuals named within this CFPB complaint have had any involvement. As has been previously communicated to XXXX XXXX, XXXX and XXXX are separate publicly traded companies.
All of these statements are lies.
First, on XX/XX/XXXX XXXX said that my Complaint does not belong to them. But on XX/XX/XXXX XXXX said that XXXX 's subsidiary ServiceLink was retained by XXXX to provide title-related services for XXXX. Thus, this is much wider servicing activity than merely prepare Title Report as claimed by XXXX in its prior respond.
Second, statement that outside of those services ( performing title-related activities ), XXXX has had no involvement in the transaction at issue is a lie. According to documents, my recorded Modification and Partial Claim must be returned to unknown by me ServiceLink in California, XXXX XXXX XXXX XXXX XXXX, not to ServiceLink , LLC in Michigan or its XXXX XXXX XXXX XXXX in Pennsylvania.
Moreover, my XX/XX/XXXX Application for alleged loan was received and processed in California by XXXX XXXX and XXXX and their involvement was concealed from me by forging RESPA disclosures where Pacific Time was removed.
Third, statement that none of the individuals named within this CFPB complaint have had any involvement is a lie. ALLmentioned individuals are officers of all 15 ServiceLink corporations in California and most of ServiceLink corporations in MI, FL, PA, GA and all other states. Moreover, they are likely the only employees for these empty shell ServiceLink nest doll corporations.
Forth, statement that as has been previously communicated to XXXX XXXX, XXXX and XXXX are separate publicly traded companies is a double lie.
Nobody communicated with me about XXXX and XXXX relationship since XXXX repeatedly refused to address my complaints as not related to them.
According to XXXX President statement to SEC on XX/XX/XXXX, XXXX reorganization of its document forgery mill the former XXXX XXXX XXXX XXXX XXXX ( XXXX ) businesses, the formation of a wholly-owned subsidiary called XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and the issuance of a 35 % interest in each of XXXX XXXX two operating subsidiaries, ServiceLink Holdings , LLC ( ServiceLink ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), to funds affiliated with XXXX XXXX XXXX XXXX XXXX XXXX and certain related entities. XXXX XXXX, through XXXX and XXXX, now owns and operates the former XXXX businesses and XXXX ServiceLink business. XXXX core operating subsidiaries now consist of Fidelity National Title Group , Inc. and XXXX XXXX.
In force-placed Flood Insurance on XX/XX/XXXX ServiceLink was stated as XXXXXXXX XXXX XXXXXXXX who was acting under glimpse of FEMA. See attached.
Thus, the real Servicer and Originator of my alleged loan with fake " Lender '' XXXX XXXX XXXX XXXXXXXX is XXXX acting though a chain of shell corporations XXXX XXXX and ServiceLink who are falsely presented as separate companies while they are all operated by the same XXXX executives under the same leadership, with the same main office location.
Thus, XXXX, XXXX XXXX et al and ServiceLink are Servicers under RESPA and must disclose me requested information QWR questions : 1. Disclose full corporate name of California ServiceLink where my Modification and VA partial claim must be returned after recording at its XXXX location 2. Disclose name of my creditor who authorized ServiceLink to accept these documents after recording.
3. Disclose that ServiceLink is going to do with these documents when they receive them after recording 4. Disclose all title-related services ServiceLink performed in relationship to my property located at XXXX XXXX XXXX 5. Disclose in which official capacity XXXX hired ServiceLink to perform title related services. Did XXXX claimed to be my existing Creditor or Lender? If not, did XXXX acted as an authorized representative of my Creditor? In which capacity?
6. Disclose name and contact information ( office address, phone number and email ) of XXXX authorized employee who hired ServiceLink, so I can contact this employee directly.
7. Disclose name, position and contact information for ServiceLink and XXXX employees who prepared and filed responses from XXXX and its subsidiary ServiceLink.
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| 02/05/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Complaint against Fidelity National Financial , Inc for making false statements to XXXX XXXX and violations of XXXX and XXXX.
On XX/XX/XXXX someone acting as XXXX sent me flagrantly fake Modification and VA XXXX XXXX which should be returned to ServiceLink after recording at XXXX XXXX XXXX XXXX XXXX CA, XXXX.
ServiceLink is a chain of shell nest doll corporations registered by Fidelity National Financial , Inc employees, mostly lawyer XXXX XXXX XXXX who was acting as XXXX XXXX XXXX XXXX XXXX ( XXXX Knight or XXXX ) XXXX who stated its place of business XXXX XXXX XXXX XXXX FL XXXX, which is XXXX and XXXX XXXX address.
All other employees of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. are also employees of XXXX and XXXX and collectively hold about XXXX various jobs within XXXX XXXX, from secretaries to Presidents.
XXXX employees registered at least XXXX ServiceLink corporations in CA between XXXX time ; XXXX ServiceLink corporations in Michigan ; XXXX XXXX ServiceLink corporation in Florida ; total more than XXXX ServiceLink corporations over the Country, so it was unclear to which ServiceLink my documents must be returned -and by whom - after recording ; who authorized ServiceLink to accept these documents and what ServiceLink is going to do with these documents after receiving it from Recorders office.
On XX/XX/XXXX I submitted my Complaint to ServiceLink to clarity which ServiceLink was mentioned as a recipient of my documents ; disclose who granted ServiceLink authority to accept my recorded Modification and VA XXXX and what ServiceLink employees are going to do with these documents after they receive them. To my surprise, this Complaint made a detour and went to XXXX instead of ServiceLink, like all following complaints.
Thus this is fair to assume that unsigned responses from ServiceLink were prepared and filed by XXXX undisclosed to me employee and all services such as Title Report and other title related activities were performed by XXXX employees because ServiceLink exists in name only and operated by XXXX and XXXX personnel.
The same Complaint was filed with XXXX who said that it is not related to them.
On XX/XX/XXXX XXXX employee ( aka XXXX ) said : ServiceLink 's full corporate name is ServiceLink, LLC. It is a licensed title agency. ServiceLink was retained by XXXX to provide a title report to XXXX for property located at XXXX XXXX XXXX, XXXX, MI XXXX. If the modification agreement is signed, ServiceLink would also be retained, in its capacity as a licensed title agency, to record the modification agreement in the county real estate records for the county where the property is located. ServiceLink has no other involvement in the transaction described in the complaint.
This respond did not address my questions if ServiceLink knew that their name was being used to assert functions that Servicelink does not perform. Second, this respond said that ServiceLink was already retained by XXXX to provide a Title report for my property but did not verify if Servicelink actually performed this Title report.
According to XXXX Secretary of State ServiceLink, LLC was a dissolved on XX/XX/XXXX corporation located at XXXX XXXX XXXX XXXX. XXXX CA XXXX while my documents must be sent to unknown to me ServiceLink located at XXXX XXXX XXXX XXXX, XXXX, which must be an active Corporation to accept these document.
I resubmitted my Complaint with CFPB- which again went to XXXX XXXX
On XX/XX/XXXX ServiceLink ( aka XXXX ) responded : ServiceLink is not, despite the complainants claim, performing sub-servicing activities on her loan. As stated in our prior response, ServiceLink was retained to perform title related activities in its capacity as a licensed title agency. ServiceLink is a national provider of title agency activities and is duly qualified to do business in Michigan, where this property is located, as ServiceLink, LLC and has been so qualified since XXXX. ServiceLink is not responsible for the content of any documents sent to the complainant and any questions related to the documents would need to be directed to her lender.
This is true that ServiceLink, LLC was registered in Michigan on XX/XX/XXXX by XXXX lawyer XXXX XXXX as a XXXX XXXX for ServiceLink Title Company LLC, member of ServiceLink NLS, LLC which is a part of ServiceLink Holding , LLC, Pennsylvania XXXX under leadership of XXXX XXXX who report to XXXX XXXX XXXX, XXXX, Chairman of XXXX and XXXX XXXX after XXXX reorganization of the former XXXX XXXX XXXX XXXX XXXX ( LPS ) businesses, the formation of a wholly-owned subsidiary called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Knight ) and the issuance of a XXXX XXXX interest in each of XXXX Knights two operating subsidiaries, ServiceLink Holdings XXXX XXXX ( ServiceLink ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), to funds affiliated with XXXX XXXX XXXX XXXX XXXX XXXX and certain related entities. XXXX XXXX, through ServiceLink and XXXX, now owns and operates the former XXXX businesses and XXXX ServiceLink business. XXXX core operating subsidiaries now consist of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
But it is unclear why ServiceLink, LLC, Michigan corporation under management of ServiceLink Holding LLC, XXXX XXXXXXXX, both have no registration in California, demands to send my recorded documents to unknown to me ServiceLink in California and which ServiceLink should received these documents if here are XXXX companies registered in California by XXXX XXXX XXXX which bear ServiceLink name.
On XX/XX/XXXX someone from XXXX responded to my complaint and said : XXXX subsidiary ServiceLink was retained by XXXX to provide title-related services for XXXX XXXX XXXX This has been explained in ServiceLinks prior response to XXXX XXXX CFPB complaints. Outside of those services, XXXX has had no involvement in the transaction at issue, and none of the individuals named within this CFPB complaint have had any involvement. As has been previously communicated to XXXX XXXX, XXXX and XXXX are separate publicly traded companies.
All of these statements are lies.
First, on XX/XX/XXXX XXXX said that my Complaint does not belong to them. But on XX/XX/XXXX XXXX said that XXXX 's subsidiary ServiceLink was retained by XXXX to provide title-related services for XXXX. Thus, this is much wider servicing activity than merely prepare Title Report as claimed by XXXX in its prior respond.
Second, statement that outside of those services ( performing title-related activities ), XXXX has had no involvement in the transaction at issue is a lie. According to documents, my recorded Modification and Partial Claim must be returned to unknown by me ServiceLink in California, XXXX XXXX XXXX XXXX XXXX, not to ServiceLink, LLC in Michigan or its manager ServiceLink Holding LLC in Pennsylvania.
Moreover, my XX/XX/XXXX Application for alleged loan was received and processed in California by XXXX XXXX and ServiceLink and their involvement was concealed from me by forging XXXX disclosures where XXXX XXXX was removed.
Third, statement that none of the individuals named within this CFPB complaint have had any involvement is a lie. ALLmentioned individuals are officers of all XXXX ServiceLink corporations in California and most of ServiceLink corporations in MI, FL, PA, GA and all other states. Moreover, they are likely the only employees for these empty shell ServiceLink nest doll corporations.
Forth, statement that as has been previously communicated to XXXX XXXX, XXXX and XXXX are separate publicly traded companies is a double lie.
Nobody communicated with me about XXXX and XXXX relationship since XXXX repeatedly refused to address my complaints as not related to them.
According to XXXX XXXX statement to SEC on XX/XX/XXXX, XXXX reorganization of its document forgery mill the former XXXX XXXX XXXX XXXX XXXX ( XXXX ) businesses, the formation of a wholly-owned subsidiary called XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Knight ) and the issuance of a XXXX XXXX interest in each of XXXX Knights XXXX XXXX subsidiaries, ServiceLink Holdings , LLC ( ServiceLink ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), to funds affiliated with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX related entities. XXXX XXXX, through ServiceLink and XXXX, now owns and operates the former XXXX businesses and XXXX ServiceLink business. FNFs core operating subsidiaries now consist of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
In force-placed Flood Insurance on XX/XX/XXXX ServiceLink was stated as XXXX XXXX XXXXXXXX who was acting under glimpse of XXXX. See attached.
Thus, the real Servicer and Originator of my alleged loan with fake " Lender '' XXXX XXXX XXXX XXXX is XXXX acting though a chain of shell corporations XXXX XXXX and ServiceLink who are falsely presented as separate companies while they are all operated by the same XXXX executives under the same leadership, with the same main office location.
Thus, XXXX, XXXX XXXX et al and ServiceLink are Servicers under RESPA and must disclose me requested information QWR questions : XXXX. Disclose full corporate name of California ServiceLink where my Modification and VA partial claim must be returned after recording at its XXXX location XXXX. Disclose name of my creditor who authorized ServiceLink to accept these documents after recording.
XXXX. Disclose that ServiceLink is going to do with these documents when they receive them after recording XXXX. Disclose all title-related services ServiceLink performed in relationship to my property located at XXXX XXXX XXXX XXXX. Disclose in which official capacity XXXX hired ServiceLink to perform title related services. Did XXXX claimed to be my existing Creditor or Lender? If not, did XXXX acted as an authorized representative of my Creditor? In which capacity?
XXXX. Disclose name and contact information ( office address, phone number and email ) of XXXX authorized employee who hired ServiceLink, so I can contact this employee directly.
XXXX. Disclose name, position and contact information for ServiceLink and XXXX employees who prepared and filed responses from XXXX and its subsidiary ServiceLink.
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| 09/16/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Complaint against XXXX XXXX XXXX and Fidelity National Title as Claims Agent for XXXX
I am a victim of fraud by XXXX XXXX banks and their virtual lending practices ( information about money dresses as a loan to induce homeowners to sign promissory Notes and Mortgages which is securitized and sold to investors for $ XXXX {$180.00} per {$1.00} of information passed to the home buyers ) Title Insurance Companies - here XXXX XXXX, XXXX XXXX XXXX and Fidelity National Title - are heavily involved in this crime and defraud home buyers by impersonating as " Title Insurance company '' [ here : XXXX XXXX ] and lying to them about money transfers from alleged lenders ; and payments on behalf of homeowners to property Sellers while none of it happen in reality. Title companies employees do not receive any actual money from alleged Lenders ( except cashouts or surpluses from unknown to them sources ) ; and do not make any payments to Sellers lenders to release prior liens.
Thus, my property Title was clouded before I purchased it ; during and after my fake transaction with XXXX who posed as a Lender.
I tried to contact my alleged " Title Insurance Companies " XXXX XXXX and XXXX, for help with investigation and compensation me for damages, without any accord.
Every time I got an absurd electronically signed runaround prepared by Fidelity and forwarded to me purportedly by XXXX lawyer XXXX XXXX ( who did not prepared these letters, merely allowed to used her name as a signature ) denying my coverage because my " mortgage with XXXX '' ( aka fraudulent lien ) was allegedly " excluded '' from coverage.
This fraud started from lies, impersonation and forgery.
Impersonator XXXX employees passed me forged RESPA Disclosures to deceive me about who were real parties in my transaction Fidelitys XXXXXXXX XXXX who was the real originator who forged all other documents from fake Commitment letter from XXXX XXXX XXXX ; fake Mortgage with XXXX ; fake Allonge to XXXX on my closing day ; fake and impossible Assignment of Mortgage from XXXX to XXXX ; and fake affidavit. All these documents are flagrant fraud, forgery ; and lack any legal authority to prepare and execute them.
Impersonator XXXX XXXX ( who is XXXX selling Agent, not issuer as robo-signer " XXXX '' said ) deceptively sold me bogus Title Insurance policy from XXXX ( who was not disclosed to me in forged RESPA Disclosures ) which do not cover anything as advertised- such as forgery, fraud, impersonation, lack of legal capacity, ect.
Moreover, so-called Title Insurers secretly add exceptions such as excluding fake mortgages from pretender Lenders who commit fraud to obtain a signature on falsified documents while these lenders do not even participate in the transaction masqueraded as a loan.
Merely saying or arguing that I had loan ( mean real money loaned to me ) with XXXX does not make it so. If things worked that way, I would argue that I am the worlds leader and the richest person in history, along with my ability to fly faster than light.
A mortgage is only an incident to a debt, which is the principal thing. It is merely security for the debt. Where there is no debtno relation of debtor and creditorthere can be no mortgage. Here there was no debt, and hence no mortgage that can be enforced in equity. Cawley v. Kelley, 60 Wis. 315, 319, 19 N. W. 65, 66.
A mortgage is not property at all, independent of the debt it secures. The extinguishment of the debt ipso facto et eo instante extinguishes the mortgage. The mere entry on the record of a release of the mortgage is not for the purpose of extinguishing it, but as evidence of a previous discharge of the debt. Fred Miller Brewing Co. v. Manasse, 99 Wis. 99, 74 N. W. 535.
Mortgages are secure repayments of actual money ( commonly known as loans ).
Thus, XXXX ( aka XXXX who was the actual preparer of this Title Insurance policy via its secured website using XXXX or something similar ) exclusion of mortgage with XXXX while I never had any loans ( money ) with XXXX is unlawful per se.
This exception are not disclosed to me in any manner including false advertisement about comprehensive coverage until I receive a XXXX policy from third parties. I of course relied on representation and did not look at every page of this policy to discover this excemption because I was deceived that I had a loan with XXXX. I only discovered this fraud when HUD confirmed that they have no records about my transaction because here was no transaction at all. Yet, I many times asked XXXX to conduct investigation why XXXX claims its ownership and who recorded flagrantly forged documents such as fraudulent Assignment ( prepared by one of Fidelitys affiliates, XXXX XXXX or XXXX XXXXXXXX ) The actual Claim processing Agent Fidelity National Title Insurance is not disclosed to me as of today even though all electronically signed letters are prepared by Fidelitys employees or their Artificial Intelligence ( XXXX ) which generate responses which appear as they are coming from human beings while no real employee even involved in this process. XXXX computers merely guess how humans would write in certain situations.
Mortgages are collateral for the MONEY, not for information about money, and only if these money were actually loaned by a real Lender who used his own funds. Without actual money here can not be mortgages. Nobody can demand properties as collateral for non-existing loans XXXX XXXX does not insure mortgages. They insure title. So the question is whether they are saying that if the lien is invalid they will pay to have it removed or whether they are simply saying that the title record is accurate before the lien ; during the lien and past lien, as their XXXX XXXX deceptively say they do.
Now XXXX and XXXX are saying that the policy does not cover the recording of the mortgage XXXX. When they must explain how I can get a policy that does cover the that XXXX if even my real Title Insurance company was not disclosed to me ; and I of course had no disclosures about so-called exceptions of mortgages since none of it is not disclosed or advertised to perspective clients by XXXXXXXX XXXX or XXXX because nobody would buy it.
To the contrary, it is advertised as comprehensive coverage for fraud ; forgery ; impersonation and lack of legal authority ( all present in my situation, before the closing, during the closing ( including fraud, forgery and impersonation by XXXX XXXX employees ) and after the closing.
In reality, XXXX and XXXX bogus Title policies actually not insuring Title for the benefit of the property owner. They are merely issuing a Title policy for the benefit of actors who are pretending to be lenders to deceive property buyers about real natures of their transactions.
The fact that the lien filed under those actors names is completely unsupported by consideration or any other scenario ; and that the lien is essentially clouds my title, is specifically and secretly - excluded from the policy of insurance issued by the carrier here-XXXX, not XXXX XXXX.
All of the carriers that stayed in the business agreed to it because it was either bow to XXXX XXXX or go out from the business. Others were grabbed by Fidelity, in gross violations of all antitrust laws.
However, here is still another lien clouding my property Title which was never removed alleged mortgage from XXXX XXXX XXXX from the prior owner. According to two letters from XXXX XXXX XXXX, they never received any money from XXXX XXXX whose employee XXXX XXXX lied to me that the payment to me was received ( and must be recorded on their escrow or business account ) ; and presumably XXXX must make a payment to XXXX XXXX XXXX but never did it.
So, fraud and impersonation was committed by my Title Insurance Company who lied to me about every step of my process, from non-existing wire transfers to being issuers ( aka sellers for XXXX ) of bogus Title insurance policies where fake mortgage for non-existing loan was excluded by XXXX
Of course I would not sign any mortgages if XXXX XXXX would not lie to me that they received a wire transfer of actual money from XXXX Mortgage and paid on my behalf to the property Seller to remove the prior lien which stayed until XX/XX/2016 and still not valid since the alleged Lender can not confirm that they received any money on my behalf from XXXX XXXX.
I once again demand XXXX, Fidelity and XXXX XXXX to compensate me as promised in their Eagle policy {$200000.00} for damages I suffered from XXXX XXXX fraud, impersonation and deceipt with fake wire transfers and mortgages with pretender Lender XXXX whom I signed Promissory Note because I was defrauded by XXXXXXXX XXXX whose employees lied to me non-stop.
If XXXX XXXXXXXX, Fidelity, and XXXX XXXX will again unjustly refuse to compensate as promised ; I have to proceed with the Court Action where XXXXXXXX XXXX XXXX Fidelity and XXXX will definitely spend more than {$200000.00} on their legal fees, which Fidelity promised them to cover, of course from litigation insurance Looks like XXXX, Fidelity and their accomplice-impersonator Bell Title prefer to defraud their litigation insurance company to cover for wrongdoers legal fees rather than honestly compensate customers who became victims of fraud
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| 03/04/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Complaint against Fidelity National Financial , Inc. and XXXX XXXX XXXX, XXXX for impersonation and racket. Notice of Intent to Sue and Legal Hold and Preservation of all Documents for anticipated litigation.
Dear CFPB, Please find attached an official letter from HUD who for the second time confirmed that HUD and XXXX XXXX has no records about my transaction starting from alleged lender XXXX XXXX, XXXX ; no records about XXXX loan or any servicing activities of this loan ; no records of loan account receivable ; no records about XXXX XXXX XXXX XXXX where my loan is pooled by unknown to me parties and where XXXX XXXX XXXX XXXX ( XXXX ) is a Trustee. XXXX XXXX never heard about XXXX VA claim offered to me by Fidelity National Financial, Incs branches XXXX, XXXX and ServiceLink.
XXXX deny any involvement in my transaction, including any receipt of my money forwarded to XXXX by XXXX.
Credit Bureaus do not have any records about lender XXXX XXXX XXXX XXXX on my credit report at all. So, it is unclear how XXXXXXXX XXXX was able to hire MERS as their nominee and transfer my mortgage ( which is allegedly owned by XXXX XXXX who does not have records for it ) and pass it to XXXX in XXXX, while all documents must be returned back to XXXX XXXX XXXX XXXX.
Since here was NO Lender XXXX XXXX from the beginning, all following fake sales are irrelevant. The loans were never sold because there was nothing to sell. The transaction is not booked as a loan receivable or as any receivable because everyone is paid off completely upfront 100 %.
I didnt know that I was dealing with undisclosed to me Investment bank who acted via Fidelitys XXXX XXXX XXXX XXXX who used XXXX XXXX XXXX XXXX XXXX who acted under glimpse of XXXX XXXX to pass me information about money which is based on the prior securitization with the property seller, in XXXX.
I was completely unaware of the reality of my transaction and the transformation from what I intended to what the investment bank intended.
I am not bound by consent to a transaction that was neither presented nor accepted by me since I knew nothing about it and it is still actively concealed from me, even though I requested disclosures many times.
If the banks wanted to propose a transaction in which I agreed to treat the extra-legal creation of a virtual creditor as though there was a real creditor with a real account receivable, then they should have said so. But they didnt and still lie to me about everything, including servicing by XXXX who does absolutely nothing except allow to use their name.
But then they would have had to disclose the revenue generated from the real transaction and given me the opportunity to bargain for a piece of the pie.
Instead undisclosed to me XXXX XXXX Bank dictated the terms of acceptance by hiding those terms from me.
Based on numerous responses from various Agencies, but no disclosures from XXXX - question is whether the loan account receivable still exists or ever existed was answered. There is no loan account and never was a loan account.
XXXX XXXX and banks fabricate documents to enforce the promise I made to fake party XXXX XXXX- who was merely a cover up for a chain of sham conduits who always unable and unwilling to produce any original source evidence supporting the truth of the matter asserted that the debt or obligation exists.
The reason for this is that the plan was always to sell securities while pretending to loan money. Part of the plan was designed to convince ( i.e., mislead ) everyone into thinking that the securities were shares of debts and loans. They were not, and so the loans were never sold because there was nothing to sell. The transaction is not booked as a loan receivable or as any receivable because everyone is paid off completely upfront 100 %.
Since the sale of the securities is based on data relating to the transaction with me and the prior p owner instead of being shares of ownership in the transaction, there is no limit to the number of securities that can be sold.
The prior transaction was already paid off in full many times. And there is no current demand by the investment banker to collect money from itself.
Securities and Exchange Committee does not have any proof that XXXX is an Issuer of XXXX XXXX XXXX ; or any information or documents which can prove that XXXX owns or servicing any loans.
All so-called servicing activities,, including sending me billing statements for non-existing debt ; forbearance ; fake Modification and VA Claim are prepared by other companies under leadership of Fidelity National Financial , Inc XXXX XXXX XXXX XXXX inc via chain on sham conduits who merely use PennyMacs name on their letterheads.
XXXX XXXX ( owner of Fidelity ) must stop his racketeering activities, and disclose to me how much money is owed to ME by undisclosed investment bank, refund all money illegally collected from me ; and remove illegal liens such as Mortgage with fake lender XXXX and illegal Assignment from my property Records.
This is also my Notice of Intent to Sue and demand to put legal hold on all documents related to my and the prior transaction.
When Companies facing litigation and regulatory or enforcement proceedings today, they must bear not only the enormous burdens of electronic discovery, but also the risk of increasingly expensive penalties for failing to preserve email and business records from the earliest possible moment after a dispute arises.
Charges and liabilities for aiding and abetting wrongful conduct. Faced with these challenges, its is essential that your Company issue litigation holds as soon as any type of formal legal proceeding is reasonably anticipated. Both, civil and Federal courts have held that the failure to design and implement an adequate litigation hold may constitute negligence. A recent example is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ), in which a defendant was held in contempt of court for its failure to implement an adequate litigation hold. The court entered a default judgment and required the defendant to pay plaintiff 's costs and attorneys ' fees.
Please be advised that I place a litigation hold on all and any documents, including co-workers emails and employment decision documents. XXXX v. XXXX, XXXX XXXX XXXX, XXXX. You must preserve and retain all paper files and electronically stored information that is related to this matter. In the paragraphs below, I have outlined my recommendations for ensuring that all potentially relevant evidence is preserved.
I can not stress enough the importance of taking immediate actions to preserve this information as failure to take adequate steps to collect and preserve evidence, including electronic evidence, could result in severe sanctions being imposed by the Court for spoliation of evidence. I recommend that you take the following four steps to ensure that all date, including electronic date, is preserved : 1. You should agree on one person to take a lead in preserving all information potentially relevant to this matter. This person will insure that these steps are taken in their entirety, and that steps are not accidentally skipped because they all assume that the other is taking care of it.
2. You should develop a strategy for preserving ALL electronic data in your possession, including consulting an information technology specialist if necessary. You are required to preserve all electronic data, including but not limited to, emails, electronic documents ( such as documents created using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; data generated by calendaring, task management, and Personal Information Management ( PIM ) software ( such as XXXX XXXX XXXX XXXX ) ; data created with the use of document management software ; all data created with the use of paper and electronic mail logging and routing software ; all Internet and Web browser generated history files, caches and cookies files ; all electronic activity logs ; and employee personal e-mail accounts. You must preserve all potentially relevant data, regardless of whether it is contained on business or personal computer, Personal Digital AssistantsXXXX XXXX cell phones, XXXX XXXX XXXX 3. If you automatically dispose of or recycle digital or paper files, digital back-up files/tapes ; or any other storage media ( possibly pursuant to a document retention policy ), I recommend suspending such program for the time being. We can then discuss which information should be preserved throughout the litigation.
4. If your document retention policy previously resulted in the destruction of electronically stored information that can still be reasonably recovered, please recover this information immediately. If it is possible to recover information for a significant period of time, please contact me to discuss the relevant period of time for recovery. Once you have had an opportunity to consider the points raised in this letter, please contact me to discuss this matter in greater details Regards XXXX XXXX
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| 03/31/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Complaint against Fidelity National Financial, its President XXXX XXXX XXXX, XXXX, and his subsidiaries XXXX XXXX XXXX XXXX dba via chain of 800+ shell subsidiaries ServiceLink and his employees XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and others for mass mortgage fraud ; impersonation as Government officials ; theft of money ; slander of Title ; forgery ; deceit, conspiracy to defraud and other crimes.
XXXX XXXX XXXX acting under corporate names XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX, XXXX ) and ServiceLink is a principal in a conspiracy to defraud consumers generally and homeowners specifically.
Without XXXX XXXX XXXX XXXX, securitization in its present iteration could not exist. Without the ability to create false data, false reports, and fabricated documents that appear facially valid on images, there could be no claims for administration, collection or enforcement.
XXXX XXXX and his team is the key player in all those areas and more while also delegate and coordinate various tasks via XXXX conduits such as XXXX ; XXXX ( under leadership of former XXXX XXXX XXXX XXXX ), its subsidiaries XXXX XXXX XXXX, XXXX and its subsidiary XXXX XXXX dba XXXX XXXX XXXX XXXX ( these Companies generate, print and send various correspondence and bills on alleged Servicers letterheads ) ; XXXX who own sub-forger XXXX XXXX XXXX XXXX where XXXX XXXX, XXXX massively forward forged documents to attach electronic signatures of non-existing MERS Vice Presidents ; XXXX XXXX XXXX who send unsigned Notices of Default, ec.
I am a direct victim of XXXX XXXX and his employees criminal conduct.
On XX/XX/XXXX I submitted my application for a VA mortgage loan with XXXX company XXXX XXXX XXXX XXXX who impersonated as a Lender ( XXXX ) In reality, XXXX was XXXX XXXX actor-for-hire who pretended to be independent Lender. XXXX gave me a password to someones secured website ( XXXX XXXX ) where I submitted my information.
On the same day XXXX team under leadership of XXXX, XXXX and XXXX XXXX ServiceLink XXXX XXXX, one of 16 ServiceLinks in Texas, generated fraudulent Flood Determination Zone acting under glimpse of FEMA who most likely was not even aware of this determination since my property was not in the Flood Zone.
XXXX XXXX creative machinations, impersonation and fraud resulted in theft of {$100.00} per month for unnecessary force-placed Flood Insurance, on top of stolen from me money dressed as repayment of mortgage loan. Plus resulted in {$650.00} damages paid to a local Land Survey company who determined that my property is not and never was in the Flood Zone.
On XX/XX/XXXX XXXX XXXX gave me forged RESPA disclosure to hide XXXX Time zone where my Application was received and processed by someone who was not disclosed to me- XXXX XXXX XXXX via 15 XXXXa ServiceLinks shells under leadership of XXXX, XXXX, XXXX and XXXX On XX/XX/XXXX I had a closing with local XXXX XXXX XXXX XXXX whose employee XXXX XXXX lied to me about wire transfer from XXXX XXXX while no such transfer was made. I merely received information about money and signed a document which looked like Mortgage from XXXX and Promissory Note. I relied in XXXX and XXXX XXXX representation and had no reasons to suspect fraud.
Soon I received naturally looking letter purportedly from VA with guarantees. As I later learned, this letter was also sent by XXXX XXXX sham conduit, XXXX XXXX XXXX, XXXX who impersonated as VA.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX ) who claimed to be a new Servicer for unknown to me parties. Again, I was absolutely confident that my transaction is legit and XXXX is a real servicer.
During all time in question I was receiving billing statements from someone on XXXX letterheads who directed me to send my payments to XXXX XXXX XXXX where my payments were collected and processed by XXXX for unknown to me beneficiaries. Again, I did not know about it since I had no reasons to suspect fraud. In reality, all billing statements were mailed to me by one of XXXX XXXX XXXX companies and my money were forwarded to one of major Investment Banks via complex money laundering scheme.
On XX/XX/XXXX I received a letter from XXXX ( which was prepared and mailed by Fidelity ) informing me that I have deficiency near {$2000.00} which I need to repay ; plus my monthly payments increased over {$1100.00}.
I filed a complaint with CFPB and XXXX ( aka XXXX XXXX ) immediately reduced my payments to {$950.00} and my deficiency disappeared.
On XX/XX/XXXX I receive a letter mailed to me by XXXX XXXX XXXX, subsidiary of XXXX XXXX, a shady private equity firm, informing me that my new Servicer will be XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) I found this transfer suspicious since I was confident that my alleged loan is owned by XXXX XXXX who does not change Servicers like gloves. I submitted QWR and DVR to Servicers XXXX and XXXX and demanded explanations. Both companies burst in lies.
In the meanwhile I submitted FOIA request to XXXX XXXX to demand disclosures regarding ownership of my alleged loan.
On XX/XX/XXXX someone sent me a full package of my alleged loan where I found original RESPA ( not forged ) ; a copy of Allonge to my Note prepared on or before my closing day on XX/XX/XXXX by undisclosed collateral shipper XXXX XXXX ; a copy of someones worklog where unknown to me employee XXXX XXXX read secured messages from secured website how to process my payments via shady XXXX XXXX XXXX XXXX in XXXX where all my money went to undisclosed beneficiary, without crediting anything to my loans principal, interest or escrow. Aka stolen.
All my payments during this time were collected and initially processed by XXXX XXXX
Property insurance was paid by unknown to me third party payment company. Taxes were paid by XXXX XXXX XXXX whose unsigned letters can not explain who authorized them to pay the, While I continued my investigation, XXXX XXXX sham conduits XXXX and XXXX XXXX racketeered me with unsigned Notices of Default from XXXX CA where XXXX rents XXXX XXXX XXXX under glimpse of XXXX and other fake Servicers On XX/XX/XXXX XXXX XXXX XXXX, XXXX under XXXX XXXX XXXXeadership sent to its sham conduit National Title Clearing forged Assignment of Mortgage from XXXX to XXXX ( which could not happen in real life under no circumstances ) to attached robo-signature of non-existing ICE/MERS XXXX XXXX XXXX XXXX and notarized by fake XXXX XXXX XXXX.
On XX/XX/XXXX I finally received a respond to my FOIA from HUD who said that they do not have any records about my transaction.
I demanded explanations from XXXX whose letters are prepared and sent to me by other companies. My demand for disclosures was ignored.
On XX/XX/XXXX I spoke with someones call center employee XXXX XXXX who said that the owner of my alleged debt is XXXX XXXX.
On XX/XX/XXXX I spoke with someones call center employee who calls himself XXXX XXXX ( although I am not sure it if is his real name ) who said that XXXX is owner of my debt but refused to talk how XXXX became the owner ; and offered me modification On XX/XX/XXXX XXXX XXXX XXXX XXXX sent me flagrantly fraudulent Modification and VA XXXX XXXX where I suppose to promise payments to XXXX who has absolutely nothing to do with this modification or alleged servicing ; and whose CEO XXXX told SEC that XXXX does not have any other offices except their headquarters.
This modification and VA Claim ( dressed as XXXX Mortgage ) was directed to return it one of 15 ServiceLinks in CA under leadership of XXXX, XXXX, XXXX, XXXX and XXXX.
When I filed my Complaint with CFPB against ServiceLink, it went to Fidelity National Financial whose unidentified representative lied to CFPB that XXXX purportedly hired one of 15 ServiceLinks in XXXX ( under XXXX, XXXX, XXXX, XXXX leadership ) to perform Title Search.
When I asked if ServiceLink did perform Title Search for XXXX, they refuse to respond.
This is absolutely clear that all this fraud, forgery and theft of my money are conducted by XXXX XXXX and his employees who hire various XXXX companies to mail correspondence and bills on behalf of fake Servicers who are not receiving any payment that I have ever directed to them or any predecessor company that was designated as Servicer.
Now XXXX XXXX mailed me his denial of fake Modification and try to force to sell my home and extort from me money I never owed to anyone.
XXXX XXXX and his employees must stop their racketeering activities and harassment ; RETURN me ALL stolen from me money including closing costs ; payments for fake Flood Insurance and my {$650.00} for a new survey.
Pay me treble damages for fraud ; treble damages for racket ; plus {$50.00} XXXX for other damages, including extreme emotional distress and slander of Title.
CC : HUD, SEC, CFPB, FTC, DIFS ; XXXX XXXX XXXX XXXX XXXX and other Agencies as Administrative Claim under Federal Tort Claims Act.
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| 03/31/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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Complaint against Fidelity National Financial, its President XXXX XXXX XXXX, XXXX, and his subsidiaries XXXX XXXX XXXX XXXX dba via chain of XXXX XXXX XXXX ServiceLink and his employees XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and others for mass mortgage fraud ; impersonation as Government officials ; theft of money ; slander of Title ; forgery ; deceit, conspiracy to defraud and other crimes.
XXXX XXXX team acting under corporate names XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX, XXXX ) and ServiceLink is a principal in a conspiracy to defraud consumers generally and homeowners specifically.
Without XXXX XXXX XXXX XXXX, securitization in its present iteration could not exist. Without the ability to create false data, false reports, and fabricated documents that appear facially valid on images, there could be no claims for administration, collection or enforcement.
XXXX XXXX and his team is the key player in all those areas and more while also delegate and coordinate various tasks via XXXX conduits such as XXXX ; XXXX ( under leadership of former Fidelity executive XXXX XXXX ), its subsidiaries XXXX XXXX XXXX, XXXX and its subsidiary XXXX, XXXX dba XXXX XXXX XXXX XXXX ( these Companies generate, print and send various correspondence and bills on alleged Servicers letterheads ) ; XXXX who own sub-forger National Title Clearing Company where XXXX XXXX, XXXX massively forward forged documents to attach electronic signatures of non-existing XXXX Vice Presidents ; XXXX XXXX XXXX who send unsigned Notices of Default, XXXX.
I am a direct victim of XXXX XXXX and his employees criminal conduct.
On XX/XX/XXXX I submitted my application for a VA mortgage loan with Illinois XXXX XXXX Mortgage XXXX XXXX who impersonated as a Lender ( XXXX XXXX In reality, XXXX was XXXX XXXX XXXX who pretended to be independent Lender. XXXX gave me a password to someones secured website ( XXXX XXXX ) where I submitted my information.
On the same day XXXX team under leadership of XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX of XXXX ServiceLinks in Texas, generated fraudulent XXXX XXXX XXXX acting under glimpse of XXXX who most likely was not even aware of this determination since my property was not in the XXXX XXXX.
XXXX XXXX creative machinations, impersonation and fraud resulted in theft of {$100.00} per month for unnecessary force-placed XXXX XXXX, on top of stolen from me money dressed as repayment of mortgage loan. XXXX resulted in {$650.00} damages paid to a local XXXX XXXX company who determined that my property is not and never was in the XXXX XXXX.
On XX/XX/XXXX XXXX Mortgage gave me forged RESPA disclosure to hide XXXX Time zone where my Application was received and processed by someone who was not disclosed to me- XXXX XXXX XXXX via XXXX XXXX XXXX shells under leadership of XXXX, XXXX, XXXX and XXXX On XX/XX/XXXX I had a closing with local XXXX XXXX XXXX XXXX whose employee XXXX XXXX lied to me about wire transfer from XXXX XXXX while no such transfer was made. I merely received information about money and signed a document which looked like Mortgage from XXXX XXXX XXXX XXXX I relied in XXXX and XXXX XXXX representation and had no reasons to suspect fraud.
Soon I received naturally looking letter purportedly from VA with guarantees. As I later learned, this letter was also sent by XXXX XXXX sham conduit, XXXX XXXX XXXX, XXXX who impersonated as VA.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX ( formerly Countrywide Financial ) who claimed to be a new Servicer for unknown to me parties. Again, I was absolutely confident that my transaction is legit and XXXX is a real servicer.
During all time in question I was receiving billing statements from someone on XXXX letterheads who directed me to send my payments to Texas XXXX XXXX XXXX my payments were collected and processed by Exela/Trancentra for unknown to me beneficiaries. Again, I did not know about it since I had no reasons to suspect fraud. In reality, all billing statements were mailed to me by one of XXXX XXXX XXXX companies and my money were forwarded to one of major XXXXXXXX XXXX XXXX complex money laundering scheme.
On XX/XX/XXXX I received a letter from XXXX ( which was prepared and mailed by Fidelity ) informing me that I have deficiency near {$2000.00} which I need to repay ; plus my monthly payments increased over {$1100.00}.
I filed a complaint with CFPB and XXXX ( aka XXXX XXXX ) immediately reduced my payments to {$950.00} and my deficiency disappeared.
On XX/XX/XXXX I receive a letter mailed to me by XXXX XXXX XXXX, subsidiary of XXXX XXXX, a shady private equity firm, informing me that my new Servicer will be XXXX XXXX XXXX, XXXX ( formerly XXXX XXXX XXXX XXXX ) I found this transfer suspicious since I was confident that my alleged loan is owned by XXXX XXXX who does not change Servicers like gloves. I submitted XXXX and XXXX to Servicers XXXX and XXXX and demanded explanations. Both companies burst in lies.
In the meanwhile I submitted FOIA request to XXXX XXXX to demand disclosures regarding ownership of my alleged loan.
On XX/XX/XXXX someone sent me a full package of my alleged loan where I found original RESPA ( not forged ) ; a copy of XXXX to my Note prepared on or before my closing day on XX/XX/XXXX by undisclosed collateral shipper XXXX XXXX ; a copy of someones worklog where unknown to me employee XXXX XXXX read secured messages from secured website how to process my payments via shady credit union XXXX XXXX in California where all my money went to undisclosed beneficiary, without crediting anything to my loans principal, interest or escrow. Aka stolen.
All my payments during this time were collected and initially processed by XXXX XXXX
Property insurance was paid by unknown to me third party payment company. Taxes were paid by XXXX XXXX XXXX whose unsigned letters can not explain who authorized them to pay the, While I continued my investigation, XXXX XXXX sham conduits XXXX and XXXX XXXX racketeered me with unsigned Notices of Default from XXXX CA where XXXX rents XXXX XXXX XXXX under glimpse of XXXX and other fake Servicers On XX/XX/XXXX XXXX XXXX XXXX, XXXX under XXXX XXXX leadership sent to its sham conduit National Title Clearing forged Assignment of Mortgage from XXXX to XXXX ( which could not happen in real life under no circumstances ) to attached robo-signature of non-existing XXXX XXXX XXXX XXXX XXXX and notarized by fake XXXX XXXX XXXX.
On XX/XX/XXXX I finally received a respond to my FOIA from HUD who said that they do not have any records about my transaction.
I demanded explanations from XXXX whose letters are prepared and sent to me by other companies. My demand for disclosures was ignored.
On XX/XX/XXXX I spoke with someones call center employee XXXX XXXX who said that the owner of my alleged debt is XXXX XXXX.
On XX/XX/XXXX I spoke with someones call center employee who calls himself XXXX XXXX ( although I am not sure it if is his real name ) who said that XXXX is owner of my debt but refused to talk how XXXX became the owner ; and offered me modification On XX/XX/XXXX XXXX sham conduit XXXX sent me flagrantly fraudulent Modification and VA Partial Claim where I suppose to promise payments to XXXX who has absolutely nothing to do with this modification or alleged servicing ; and whose CEO XXXX told SEC that XXXX does not have any other offices except their headquarters.
This modification and VA Claim ( dressed as Michigan Mortgage ) was directed to return it one of 15 XXXX in CA under leadership of XXXX, XXXX, XXXX, XXXX and XXXX.
When I filed my Complaint with CFPB against XXXX, it went to Fidelity National Financial whose unidentified representative lied to CFPB that XXXX purportedly hired one of 15 XXXX in Michigan ( under XXXX, XXXX, XXXX, XXXX leadership ) to perform Title Search.
When I asked if XXXX did perform Title Search for XXXX, they refuse to respond.
This is absolutely clear that all this fraud, forgery and theft of my money are conducted by XXXX XXXX and his employees who hire various XXXX companies to mail correspondence and bills on behalf of fake Servicers who are not receiving any payment that I have ever directed to them or any predecessor company that was designated as Servicer.
Now XXXX XXXX mailed me his denial of fake Modification and try to force to sell my home and extort from me money I never owed to anyone.
XXXX XXXX and his employees must stop their racketeering activities and harassment ; RETURN me ALL stolen from me money including closing costs ; payments for fake Flood Insurance and my {$650.00} for a new survey.
Pay me treble damages for fraud ; treble damages for racket ; plus {$50.00} Million for other damages, including extreme emotional distress and slander of Title.
CC : HUD, SEC, CFPB, FTC, DIFS ; CA Department of Business Oversignt and other Agencies as Administrative Claim under Federal Tort Claims Act.
|
| 11/19/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Complaint against XXXX XXXX XXXX, Fidelity Natonal Financial and its branch XXXX XXXX XXXX XXXX and XXXX for criminal conspiracy with Judge XXXX and her family ; conspiracy to deprive me from rights under colors of law ; extraordinary corruption, money laundering ; multi-million fraud against investors with Judge XXXX XXXX brothers cartel and possible bribes.
On XX/XX/XXXX I filed legal action XXXX, XXXX vs. XXXX, XXXX XXXX XXXX, XXXX al XXXX which was assigned to XXXX XXXX XXXX XXXX.
I also filed a Motion for Temporary Restraining Order and Injunctive relief to stop foreclosure sale of my property by XXXX XXXX XXXX, a shady publishing company who co-accidentally publicly traded as XXXX and purportedly worth over {$12.00} XXXX as reported to investors. XXXX audit is conducted by shady XXXX XXXX XXXX, XXXX XXXX XXXX whose reports XXXX present to investors.
In reality, most XXXX revenue is coming from processing illegal foreclosures via instructions and documents from secured website operated by my Defendants XXXX XXXX XXXX XXXX, who receive directions from various Investment banks, here : XXXX XXXX XXXX, who was the real party behind my fake lending transaction with XXXX XXXX XXXX XXXX and who probably is acting in tandem with its investment branch, XXXX XXXX and XXXX XXXX.
XXXX XXXX was likely a source of funds in the original transaction, in XXXX with property Seller XXXX where XXXX loaned some money to XXXX XXXX or XXXX XXXX who established the base securitization scheme which generated to them At least {$25.00} per {$1.00} paid to XXXX for signing false Mortgage.
Their intent was not to make a loan. Nobody in the entire securitization infrastructure wants to own any unpaid loan account receivable because that would make them either a lender or a successor lender. They intended to control the transaction, not own it.
In my transaction no real funding was necessary at all since the original payment was already made to XXXX. I received information about this transaction dressed as a loan and was defrauded by XXXX XXXX [ who was acting under XXXX name ] to sign false documents and promise to repay money nobody loaned me and had no intention to loan.
XXXX XXXX wanted to sell more securities and needed my signature on the documents. My participation in this next round of XXXX securities scheme generated to them another {$25.00} per {$1.00} of information about money passed to me by XXXX XXXX acting via XXXX.
In total, XXXX XXXX received at least {>= $1,000,000} from my signature on documents, without lending me a cent, plus my payments and expected to steal my property as additional revenue, thus $ XXXX profits, on top of all I outlined all my arguments in my Motion, which was instantly denied by Judge XXXX XXXX XXXX, in so bias and unlawful manner that it created reasonable suspicion that Judge XXXX has personal motives to deny my motion and not see any merits in my Complaint.
After review of Judge XXXX XXXX records, I discovered that her own family XXXX of her brothers are heavily involved in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX fraudulent securitization scheme and help Investment Banks to launder money and defraud investors from millions of dollars.
According to public records, Judge XXXX brothers, specially XXXX ( XXXX XXXX XXXX operate a chain of shell corporations, at least XXXX known to me companies who are heavily involved in fake lending, fake securities, fake property management Just with XXXX property alone, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( which has XXXX other shell corporations under similar names ) issued and sold to Investors over {$35.00} XXXX of XXXX XXXX XXXX backed by XXXX property owned by XXXX XXXX XXXX via chain of sham conduits.
XXXX XXXX established an original securitization scheme for this property via Mortgage around XXXX, and since this time all following transactions were merely transfers of information about this base scheme, dressed as loans where nobody used any money, unless it involved some cashout.
XXXX XXXX brothers XXXX operates the same scheme as my Defendants XXXX, XXXX and XXXX who rent their names on the false paperwork called mortgages and collect information from investors which they pass to XXXX XXXX or XXXX XXXX websites who organize all following transactions, and who collect money from investors and payments from tenants via XXXX agreements with XXXX XXXX, XXXX and other XXXX companies.
I have reasonable suspicion that Judge XXXX XXXX decision was procured by corruption and it was bought by XXXX XXXX who paid her a bribe to cover XXXX XXXX crimes Judge XXXX acted so corrupt to protect her brothers revenues since if she would rule on merits of my case and in accordance with the law, her brothers will lose patronage from XXXX Banks and XXXX and XXXX enterprises and their source of income which is exclusively based on mass fraud and money laundering for XXXX XXXX XXXX and other large banks.
I reviewed several properties listed by XXXX XXXX, and all of them have XXXX XXXX XXXX as the original and intermediary party, either directly or via other branches like XXXX XXXX or XXXX Bank.
Foreclosure is strictly about the satisfaction and release of an unpaid debt. It is not about allowing anyone who knows something about me to force me to make payments or else lose my home. Especially when the XXXX who extort payments for her parties of interests is the Judge who also fight for her familys handsome income from participation in the same illegal scheme operated by my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
There is no default without injury. And there is no injury without an unpaid loan account that has been reduced in value because of a gap in scheduled payments. And there is no evidence of such injury until I see the unpaid loan account not the payment history.
If I stop making payments I dont owe, that is not a default. If I stop making payments to someone who does not own the alleged or implied debt, that is not a default unless the creditor has contacted me and told me that they own the debt and designated in writing that I should pay a third party.
I never received any proof of existence of my alleged debt or demands for payments from fake XXXX XXXX who does not communicate with me in any manner since all communication and demands are coming from XXXX and XXXX 's enterprises who use XXXX name on their letterhead, in the same manner as they use XXXX 's brothers sham conduits 's names to defraud corporate investors with their fake " loans '', fake " securities '' and fake " management '' But I have plentiful evidence of XXXX XXXX involvement in my transaction as a Principal who defrauded me from day XXXX and who now uses its corrupt connections with Judge XXXX and her family to fix my case in XXXX XXXX favor.
I am confident that XXXX XXXX and its co-conspirators bribed XXXX XXXX for favorable ruling in my case
|
| 01/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Complaint, QWR and DVR On XX/XX/XXXX XXXX XXXX XXXX Fidelity National Title Insurance Company ( FNT ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( renamed in XXXX as ServiceLink ) located at XXXX XXXX XXXX XXXX, XXXX CA sent me fatally defective Modification package and false Partial Claim with VA, acting under XXXX name.
XXXX XXXX expects me to sign these documents by XX/XX/XXXX.
However, I do not understand terms and the real nature of these documents and from whom they are coming.
I have rights to receive disclosures and explanations about this Modification from the authorized person who approved it ; the amounts to be modified and conduct personal inspection of my original Note which is still missing.
For example, this modification lacks any name of a person or a company who approved it. I have to sign and return it to ServiceLink at FNT location. Why XXXX 's ServiceLink handles my " modification '' if another company - XXXX - claims to be a Servicer responsible for this " modification ''?
" Modification '' has higher interest rate 3.65 % while my current non-existing loan rate is 3.5 %. Morever, I every day received offers for refinancing under 3 % or less. Why XXXX XXXX offered me predatory modification which will increase my payments, not reduce it.
3.65 % makes my monthly gifts to unknown to me Investment Bank [ likely XXXX XXXX ] even higher than before.
This modification extends payments for my virtual loan to another 360 months while under CARES Act it must be for time of forbearance, or at most for 19 months.
I am reasonably concerned about my new involuntary donations schedule for undisclosed XXXX XXXX Bank for next 30 years since according to XXXX vs. XXXX XXXX, XXXX, XXXX 's modificationby " XXXX '' of non-exsiting XXXX " loan '' with XXXX resulted in a very profitable collection and foreclosure.
Trustee XXXX XXXX XXXX XXXX whom Servicer XXXX give my payments to distribute to Investors XXXX is not even mentioned in any capacity. Did XXXX approved this modification? It must be disclosed to me since XXXX as Trustee is in charge of all financial affairs of XXXX XXXX Pooled Security where my loan is pooled by the original independent from money Lender XXXX XXXX.
My partial claim with VA is named as XXXX XXXX and looks drastically different than a similar false claim prepared by XXXX XXXX for XXXX XXXX.
XXXX XXXX claim states Partial Claim Mortgage not assumable without VA Approval while XXXX states merely XXXX XXXX This Mortgage lacks the name of the individual preparer which is a violation of Michigan recording rules. My loan with XXXX was not recorded until someone put name of the person who originated it.
My new payments to fake lender XXXX needs to be sent to XXXX XXXX XXXX XXXX XXXX XXXX ( who is constantly sued for customers abuses ) in the same XXXX XXXX XXXX XXXX TX as XXXX XXXX.
I need explanations why and by whom XXXX XXXX XXXX XXXX is authorized to collect my payments for VA partial claim if XXXX claims to be a Servicer who collects my money.
Modification Agreement lacks the name of the Investor.
It has the same number as VA but the Investor claims to be XXXX. Why XXXX is acting as VA?
This Partial Claim is based on alleged delinquency of my interest and escrow while did not mention principal. Which means that XXXX whose name is designated by XXXX as the mortgagee under a mortgage is NOT the sole owner of the debt [ if exists ] and is not the owner of even a part of the claimed debt, which does not exist.
I pulled XXXX XXXX Release from XXXX XXXX recorded in XX/XX/XXXX. It evidenced that XXXX XXXX was not the owner of the alleged debt or the Note but merely holder of [ some ] records with the Seller XXXX ; and obviously did not received any money from XXXX XXXX or XXXX XXXX on my behalf. Who was the Lender for XXXX and who received my money at the closing which I promised to repay?
The amount of Partial Claim with VA is inaccurate and unclear to me. It needs to be verified by VA and XXXX XXXX XXXX XXXX XXXX, and this is why I need your answer to my FOIA asap, so I can understand terms and amounts of XXXX XXXX Modification and Partial Claim with VA.
I demand you to expedite my FOIA as soon as possible to help me to understand XXXX XXXX XXXX ; his relationship to my loan and his partial claim with VA.
QWR : 1. Please disclose the name of the Company and its individual Agent who approved this Modification and Partial Claim with VA. Please provide their business address ; phone number, email address.
2. Please provide me an Affidavit from XXXX XXXX XXXX XXXX XXXX and its authorized agent who approved and authorized this Modification and Partial Claim 3. Please state full corporate name for ServiceLink and explain why ServiceLink handles this " Modification '' and Partial Claim if XXXX claims to be a Servicer who is responsible for modification and partial claim.
4. Please explain why this Modification has higher interest rate 3.65 % while my current non-existing loan rate is 3.5 % ; and who decided to charge this rate from me 5. Please explain why this modification is extended for 30 years if CARES Act provides only period of forebearance to be added to modifications, which is at most 19 months. Please disclose the name of authority who approved this extended period of modification 6. Please state full name of the Investor, its mailing address and the name of its authorized officer. Please disclose if this Investo
r is the owner of my alleged debt and my creditor.
7. Please disclose the name of individual preparer of my VA Partial Claim 8. Please explain why this Partical Claim is labeled as XXXX XXXX instead of VA Partial Claim Mortgage and does not bear language is not assumable without VA approval 9. Please explain why this Partial Claim is based on alleged delinquency of my interest and escrow while did not mention principal. Does it mean that XXXX whose name is designated by XXXX as the mortgagee is not the owner of even a part of the claimed debt, which does not exist?
10. Please explain why my payments will be received by XXXX XXXX XXXX XXXX XXXX XXXX if XXXX claims to be a Servicer who collects my payments.
11. Please explain how amounts of this Partial Claim were calculated and the name of the agent who conducted this accounting.
12. Please state date, time and place where I can inspect my Original and full assigned Note, in presence of an authorized Agent of my Creditor who owns the account receivable for my alleged loan.
.
|
| 10/12/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Servicemember |
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I notified the attorney general office and provided them with the class action suit against XXXX I received some notification sent by your insured to contact hud as " occupants of the property '' which we have own and occupied in the last 15 years.
HUD asked us to talk to FTC for fraud.
The bank, your client asked us to do repairs as the " borrowers '' do not have insurance to satisfy our refiance ( of the land contract that pays original mortgae ) and close The bank refused to give a copy of th enote and wants to foreclose after agreing with us to payoff the original loan they say they got form " XXXX XXXX XXXX XXXX the loan we wrapped and want to assume is the original loan in XXXX We got title insurance and we have own the equitable title and equity since XXXX
The bank refused to work with us againnst CFPB class action suit and wants to liquidate our equity to pay third party 's debt of XXXX, a scond mortgage from XXXX XXXX XXXX that is a not fully executed mortage All owners must sign ona mortgage and this was filed AFTER the original loan and after the land contract without oru knowledge or agreement and without our signatures infact the bank, your insured of XXXX as per XXXX XXXX XXXX indicate that they " can not give us information on the note. or loan '' because we are third parties. You can not ccollect witiout this requireent to notify and validate per XXXX and is a violation for the second time AFTER the bank was already indicted.
Looks like since they ahve fidelity national title paying attorney fees and mechanical fees, the bank opts to have a remodelled and fixed property to sell after deceiving the owners and seizing illegally a property. Your client does not have the title in the name of the debtor of your mortgage and is a ssecond loan without our agreement to subordiantion.
It appears that my mother was in the XXXX XXXX XXXX XXXX when your client took adbantage of this to file and she could not respond prose in her XXXX to date we di dnot receive notice of your special master client wishing to foreclose.
We already sold the property interest to another family memmber that was realdy to close on the payoff of the original loan. The prior 2 sellers in XXXX agreed in record to pay. any amount over the land contract value and your client faile to collect from XXXX XXXX XXXX when they sold an investment property in XXXX and they are saying that you can not collect from them for theirdebyt because its past the statute of limitations so because of the negligence of the two title companies, they walk free. You can not collect a bill we did not agree or sign in XXXX from a third party. We agreed to refiance the XXXX loan after your client collected XXXX during the pedebcy of th eoffer of asuption of what we thought was the original mortgage of XXXX. Your client is trying to collect from an innocent purchaser of value a loan that is undisclosed and not fully executed by alll the owners and voicable but the bank is saying you have insurance against their violation of consummper protection ALTA 2020 laws ( RESPA and TILA ) and will defend them in court and inany allegation of fraud due to their lender policy coverage " The Company will also pay the costs, attorneys fees, and expenses incurred in defense of any matter insured against by this policy, but only to the extent provided in the Conditions.
Any notice of claim and any other notice or statement in writing required to be given to the Company under this policy must be given to the Company at the address shown in Condition 16.
" SO WE ARE SUING YOU TO PAY OFF THE MECHANINC LIENS OF ROOF HEATER, WINDOWS, PLUMBING LEAKS, MOLD AND ALL THE DOORS AND OTHER REPAIRS THE BANK ASKED US TO DO PRIOR REFINANCE/MODIFICATION AND THROUGH A LETTER TO THE CFPB THAT WE HAVE WE ARE ALSO WANTING TO KNOW HOW MANY YEARS YOU ARE GOING TO DEFEND YOUR CLIENT IN COURT.
WE AARE ALSO CONTACTING THE STATE SUPERINTENDENT OF INSURANCE FOR PRACTICES OF YOUR CLIENT AS INSURED AGAINST ALTA POLICIES WE COULD NT CLOSEON REFINANACE BECAUSE YOUR CLIENT DOES NOT WANT TO DOO THER THAN FORECLOSE AS THEY ARE " INSURED '' BY FIDELITY SO YOU AHVE TO GIVE US INFORMATION ON THE COVERED OR NOT COVERED EXCEPTION. NM ATOTORNEY GENERAL, HUD AND FTC HAS BEEN INFORMED BUT CORPARTIONS GET CHARGED A MEAGER XXXX BY CFPB THAT FORECLOSING WITH ALL THE FEES, AND JUDGMENTS IS WORHT FOR THE NET OUTCOME AND NET WORTH TO THEM. HOWEVER THEY ARE DAMAGING AND HARMING INNOCENT PURCHASER OF VALUE. THIS IS MY HOME FOR THE LAST 15 YEAR AND I OCCUPIED IT CONSTANTLY THERE S NO WAY A FHA LOAN OF XXXX WOUTLD HAVE BEEN DOEN EVEN AS INVESTMENT, THE REQUIREMENT IS TO OCCUPY OR OWN WHICH THE SALCEDO " BORROWERS '' DI DNOT MEET THE REQUIREMENT, THAT IS WHY IS GOING TO FTC AS FRAUD AMONGST OTHER REASONS SUCH AS YOUR INSURED RETURNING XXXX OUT OF THE XXXX CAHS THEY TOOK DURING THE PENDENCY OF THE LITIGATION SINCE XXXX IN MONTHLY INSTALLMENTS UNDER THE PRETENSE OF TRIAL PAYMENTS OF WHAT WE THOUGHT WAS THE ORIGNIAL MORTGAGE AND NOW WE KNOW RECENTLY IS A NEW FHA LONA THAT IS NOT MEETING ELIGIBILITY AND YOUR CLIENT KEPT MY MOTHER 'S XXXX XXXX THIRD PARTY CASH IN A SUSPENSE ACCOUNT TOTHIS DATE AND ALSO ATTEMPTS TO SEZIE OUR EQUITY TO OFFESET A THRID PARTY LOAN THAT WE DID NOT SIGN AS OWNERS. THIS IS NOT ONLY LEGAL ABUSE AND ECONOMICAL ABUSE OF SENIOR MILITARY FAMILY BUT ALSO FRAUD HOW LONG DO YOU PLAN TO DEFEND YOUR CLIENT IN COURT, AND IWOULD IT BE CIVIL AND ALSO CRIMINAL OR ONLY CIVIL DEFENSE.
|
| 11/21/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
PLEASE, PLEASE READ CAREFULLY AND HELP US RE : Mortgage Title Company and Bank Error Causing Personal Devastation and Could Result in the Loss of Our Home.
Parties involved in complaint : 1 ) Chicago Title/Fidelity Insurance Company, A Fidelity National Financial Company ; ( Chicago Title/Fidelity ), successor to Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
4 ) XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, successor to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
5 ) XXXX XXXX XXXX, d/b/a XXXX XXXX XXXX XXXX XXXX, successor to Mortgage Electronic Registration Systems ( MERS ), successor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, successor to XXXX XXXX XXXX XXXX XXXX, successor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
6 ) Security Title Agency, A Fidelity National Financial Company ( Security Title/Fidelity ), successor to Security Title Agency , Inc. ( Security Title ).
Parties involved, but no longer in business : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
2 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
4 ) XXXX XXXX XXXX XXXX XXXX.
This issue is regarding our lengthy and unsuccessful efforts for correction of a major error in title that occurred at the closing of a refinance of our home in XXXX by Security Title and the bank at that time, XXXX. They failed in their duty to cause our new mortgage Deed of Trust to be filed in the Arizona XXXX XXXX XXXX XXXX in valid 1st position, free from liens, encumbrances, easements, encroachments and other title matters as required by the Specific Closing Instructions of XXXX. They neglected to obtain the proper documents required and the previous loan was never released or closed. These failures created a chain of events that have resulted in catastrophic financial damage for us and could result in the loss of our home.
Security Title, in all documents ( see attached ) certified, and guaranteed they had obtained the Deed of Release and Reconveyance releasing the XXXX Deed of Trust and closed the account as requested in all closing instructions. In reality, these commitments were not fulfilled, leaving the old XXXX Personal Equity Manager Home Equity Line of Credit Agreement open and in 1st position. Over the years of the banking chaos and closures, that XXXX loan account resurfaced and has blocked our efforts of refinancing that would allow us to save significantly with lower interest rates.
This error in title is causing devastating loss for us. We have fought this battle for years, since it was discovered in XXXX with our first failed refinance attempt since the XXXX XXXX refinance, but to no avail. Please refer to the attached supporting documentation and chronological list of events for a detailed description of what transpired. Please, review every detail carefully. We need your help.
We have contacted all parties involved multiple times by phone, email, and correspondence. We filed appeals with Chicago Title/Fidelity ; they are unwilling to assist us stating the Title Policy we purchased only protects the lender, not the borrower. Our mortgage company, XXXX, filed a title insurance claim with Chicago Title/Fidelity ; they did recognize the title chain error but deny the title insurance claim unless we default on our loan, even though the policy insures the XXXX loans Deed of Trust to be a valid 1sts position lien, which it is not according to Arizona date of filing law. We filed a claim with the Arizona Department of Financial Institutions. They said we have a very good case for a civil lawsuit. We consulted four different attorneys and hired XXXX XXXX XXXX, XXXX. of XXXX XXXX XXXX to represent us in negotiation efforts. Mr. XXXX fought for us and our case for two years, but with no success.
We are a very hard-working middle-class couple quickly approaching our retirement years ; ages now XXXX and XXXX. Our hands are tied and our future uncertain because of the error made in title by the experts at our XXXX refinance that was closed through Security Title. Through no fault of our own, we are now unable to refinance our home for a substantially lower interest rate which would have allowed us the funds needed to pay down the loans. Those windows of opportunity have now closed. Security Titles error has placed our mortgage in jeopardy, and no one will touch our loan because of the unclear title.
We have ALL documentation proving Security Title and WAMUs mistakes. We have all closing documents of the XXXX XXXX refinance. We have copies of correspondence, emails, phone conversations, claims, and their responses. We can, and will, provide anything needed to help resolve this issue.
We realize this is lengthy, containing many documents and a great deal of information. But we implore you to please read every word in order to fully understand the chain of events that led to this calamity. It is vitally important in our efforts to save our home.
We have attached a chronological list of events, with descriptions of each event, along with supporting documents. There are 4 separate files attached totaling 69 pages.
We greatly appreciate your assistance.
|
| 11/21/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
PLEASE, PLEASE READ CAREFULLY AND HELP US RE : Mortgage Title Company and Bank Error Causing Personal Devastation and Could Result in the Loss of Our Home.
Parties involved in complaint : 1 ) Chicago Title/Fidelity Insurance Company, A Fidelity National Financial Company ; ( Chicago Title/Fidelity ), successor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
4 ) XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, successor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
5 ) XXXX XXXX XXXX, d/b/a XXXX XXXX XXXX XXXX XXXX, successor to Mortgage Electronic Registration Systems ( MERS ), successor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, successor to XXXX XXXX XXXX XXXX XXXX, successor to XXXX XXXX XXXX XXXX XXXX An Arizona Corporation XXXX XXXX XXXX.
6 ) Security Title Agency, A Fidelity National Financial Company ( Security Title/Fidelity ), successor to Security Title Agency , Inc. ( Security Title ).
Parties involved, but no longer in business : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
4 ) XXXX XXXX XXXX XXXX XXXX.
This issue is regarding our lengthy and unsuccessful efforts for correction of a major error in title that occurred at the closing of a refinance of our home in XXXX by Security Title and the bank at that time, XXXX. They failed in their duty to cause our new mortgage Deed of Trust to be filed in the Arizona XXXX County Recorders Office in valid 1st position, free from liens, encumbrances, easements, encroachments and other title matters as required by the Specific Closing Instructions of Chambers. They neglected to obtain the proper documents required and the previous loan was never released or closed. These failures created a chain of events that have resulted in catastrophic financial damage for us and could result in the loss of our home.
Security Title, in all documents ( see attached ) certified, and guaranteed they had obtained the Deed of Release and Reconveyance releasing the XXXX Deed of Trust and closed the account as requested in all closing instructions. In reality, these commitments were not fulfilled, leaving the old XXXX Personal Equity Manager Home Equity Line of Credit Agreement open and in 1st position. Over the years of the banking chaos and closures, that XXXX loan account resurfaced and has blocked our efforts of refinancing that would allow us to save significantly with lower interest rates.
This error in title is causing devastating loss for us. We have fought this battle for years, since it was discovered in XXXX with our first failed refinance attempt since the XXXX Chambers refinance, but to no avail. Please refer to the attached supporting documentation and chronological list of events for a detailed description of what transpired. Please, review every detail carefully. We need your help.
We have contacted all parties involved multiple times by phone, email, and correspondence. We filed appeals with Chicago Title/Fidelity ; they are unwilling to assist us stating the Title Policy we purchased only protects the lender, not the borrower. Our mortgage company, XXXX, filed a title insurance claim with Chicago Title/Fidelity ; they did recognize the title chain error but deny the title insurance claim unless we default on our loan, even though the policy insures the XXXX loans Deed of Trust to be a valid 1sts position lien, which it is not according to Arizona date of filing law. We filed a claim with the Arizona Department of Financial Institutions. They said we have a very good case for a civil lawsuit. We consulted four different attorneys and hired XXXX XXXX XXXX, Esq. of XXXX XXXX XXXX to represent us in negotiation efforts. Mr. XXXX fought for us and our case for two years, but with no success.
We are a very hard-working middle-class couple quickly approaching our retirement years ; ages now XXXX and XXXX. Our hands are tied and our future uncertain because of the error made in title by the experts at our XXXX refinance that was closed through Security Title. Through no fault of our own, we are now unable to refinance our home for a substantially lower interest rate which would have allowed us the funds needed to pay down the loans. Those windows of opportunity have now closed. XXXX XXXX error has placed our mortgage in jeopardy, and no one will touch our loan because of the unclear title.
We have ALL documentation proving XXXX XXXX and WAMUs mistakes. We have all closing documents of the XXXX XXXX refinance. We have copies of correspondence, emails, phone conversations, claims, and their responses. We can, and will, provide anything needed to help resolve this issue.
We realize this is lengthy, containing many documents and a great deal of information. But we implore you to please read every word in order to fully understand the chain of events that led to this calamity. It is vitally important in our efforts to save our home.
We have attached a chronological list of events, with descriptions of each event, along with supporting documents. There are 4 separate files attached totaling 69 pages.
We greatly appreciate your assistance.
|
| 05/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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|
Web |
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This letter is in response to the CFPB Complaint Number XXXX filed in XX/XX/XXXX to which XXXX XXXX XXXX, Senior Claims Counsel, VP responded shortly thereafter. This letter is not the rebuttal but an additional complaint resulting from the new information provided by XXXX letter of response. A rebuttal to XXXX letter will be addressed shortly.
After reviewing the letter, we now know that we have been severely defrauded by Fidelity National Title Insurance Company from XXXX until today, as they have and continue to use their vast power to deny our rights, persuade financial institutions to engage in spurious transactions, and induce practitioners of the law to commit fraud upon the courtsall in efforts to foreclose on our property and divest more than $ XXXX in equity, by : producing a forged title policy for the sole purpose of denying our title claims failing to inform us of or jointly defend our title-defect when paying the XXXX XXXX XXXX XXXX loan policy claim ( # XXXX ) failing to inform us of or jointly defend our title-defect when paying the XXXX XXXX XXXX loan policy claim ( # XXXX ) orchestrating the corporate assignment of our extinguished security deed from XXXX XXXX to XXXX XXXX XXXX XXXX retaining law firm XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( for XXXX ), and the XXXX XXXX XXXX ( as our counsel ), and thereby inducing them to conspire to interfere with and disrupt our Chapter XXXX Bankruptcy actions being dilatory in resolving our title defect, both in acknowledgement and solvency colluding with the foreclosing attorney firm, XXXX XXXX to knowingly conduct an invalid foreclosure on our property on XX/XX/XXXX Forged Policy : Policy number was XXXX was forged and sent to us in XXXX of XXXX, referencing the unfounded exception ( # 4 ) of [ a ] ny secured interest conveyed by the insured as a catch-all to deny our title-defect claim. They also referenced this forged document to United States Government Agencies ( including yours ) in violation of the USC code 1001 ( c ) ( 2 ).
Our true policy number listed on our HUD-1 Settlement Statement is XXXX. Recently, when requesting either policy from Fidelity, we were told neither exists.
Factual Background for Fidelity Motive : On XX/XX/XXXX, XXXX XXXX, managing director of XXXX XXXX, XXXX XXXX XXXX XXXX and Associate Professor of Civil Engineering at XXXX XXXX XXXX opened a security deed in the amount of {>= $1,000,000} for 7 properties ( including ours ) in the XXXX XXXX XXXX This security instrument had a maturity date of XX/XX/XXXX. In XXXX, XXXX along with Fidelity exploited a loophole in the recordation of property legal descriptions by obscuring the indexing, whereby single properties could be utilized for multiple bank loan transactions. Having insured the XXXX XXXX XXXX development in XXXX, Fidelity used this scheme to certify title examinations for encumbered properties and issued title insurance to secure loans from participating financial institutions such as XXXX XXXX XXXX XXXX ( as in our case ). Fidelity would then provide Loan Policies to these choice institutions who would then cash-in when the properties defaulted.
In XX/XX/XXXX we entered into a lease-purchase agreement with XXXX while trying to secure a loan. The description on our Purchase and Sale Agreement matched the original legal description on the builders warranty deed. However, this description was altered on our Warranty Deed by removing one of the two Land Lots encompassed by the tract ( or parcel of land ) as described by the Plat, using metes and bounds. As it stands, the absence of one of the Land Lots has caused us to perpetually trespass on private, Common Property, in order to leave and return to our residence.
Proceeding as expected, XXXX defaulted on its loan and on XX/XX/XXXX the aforementioned properties were foreclosed on by XXXX lending institution. Without our knowledge, our property was party to the foreclosure and subsequent sale as an anomalywe had actually purchased our property on XX/XX/XXXX. XXXX, nor his lending institution would make us aware of this breach of contract/title-encumbrance, and we continued making mortgage payments.
In XXXX, in the middle of our closing, our builder/seller ( XXXX ) insisted we get an owners title policy. In fact, he said that he could not let us leave the closing without getting it! Our closing attorney firm XXXX XXXX ( XXXX ) offered issuance for {$1200.00}. We were told our lender, XXXX XXXX a subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had a loan policy through the same insurer, Fidelity National Title Group. We purchased title policy # XXXX from XXXX XXXX XXXX, XXXX, owned by XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX. XXXX also owned the title examination company XXXX XXXX XXXX XXXX XXXX who cleared and certified our title.
In XXXX XXXX, 70 % of XXXX XXXX, XXXX was later purchased by Fidelity National Title Group after substantial escrow account misappropriations within the law firm of XXXX This merger now leaves Fidelity culpable for every facet of the entities responsible of our defective title.
We need your help as Fidelity is blatantly and maliciously ignoring the law for their own gain while hurting consumers.
|
| 11/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
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I had a mortgage through XXXX XXXX XXXX XXXX ( XXXX ) and it was refinanced through XXXX XXXX XXXX XXXX XXXX. The date of the closing was XX/XX/20 and XXXX XXXX made arrangements for Service Link to handle the closing. I then reached out to XXXX and requested a payoff statement for that date for my own purposes ( the lender requested their own ). As you can see on the attached correspondence from XXXX, the payoff amount for that date would be {$140000.00} and the daily interest amount was {$16.00}. Prior to this closing, Service Link sent me out a final settlement statement and the amount that they were saying was to go to XXXX was not correct based on what I had received from XXXX ; it has my current lender receiving {$140000.00}. I notified XXXX XXXX at Service Link about this and they sent me out a revised final settlement statement. That one too had the incorrect payoff amount ; {$140000.00}. I figured I may owe XXXX approximately {$180.00} once this was all said and done and went through with the closing. Closing did occur as scheduled on XX/XX/20 without any problems.
On XX/XX/20 I received a call from XXXX about XXXX being short on the amount due to them. She explained that I still owed XXXX {$330.00} and told me that XXXX at XXXX promised not to charge me interest for all of the days this was past due if I could wire XXXX that amount that day. XXXX urgently emphasized that this had to be done immediately or I would incur a lot of extra interest charges. I then wired XXXX the requested amount with an additional {$6.00} charge for the wiring fee.
Several days later when I looked over all of this, I discovered that this {$330.00} was well over what I should have paid. Based on the attached payoff statement XXXX sent me, I owed them an additional {$180.00}. Even if I factored three days ( for the right of rescission ), I still could not arrive at the {$330.00} amount I just paid. I called XXXX and she blamed this all on XXXX for lying to her about their alleged promise not to charge interest and for not processing the monies sent to them in a timely fashion.
None of this sounded believable, so I contacted XXXX about the matter. XXXX felt that this was so important that they actually called me back on a Saturday. I spoke with XXXX at XXXX and she told me that there was no promise by them to not charge for back interest. In addition to that, XXXX was at a loss at how Service Link ( or XXXX XXXX ) came up with the {$140000.00} that was sent. That number was not what they were told by XXXX. As far as the dispute about XXXX not processing this in a timely fashion, XXXX sent me a copy of the check Service Link sent them ( copy attached ) and it is dated XX/XX/20. XXXX added that this was overnighted to them through XXXX and the XXXX label for this delivery showed that it was created on XX/XX/20. XXXX processed the transaction the next business day and that is when they contacted Service Link about the shortage. XXXX added that the amount of time taken for this check to get to them after closing is not what normally happens in this industry. She has never experienced one taking so long before this.
I subsequently sent XXXX an e-mail about what I had learned, and later received a call from her. She was somewhat frantic on the telephone discussing the matter and it was hard for me to get a word in edgewise. She would ask questions and while explaining to her the answer, she would interrupt me. After several minutes of this, I asked her to let me speak. Regardless of what I said or explained, XXXX said she did not understand what I was telling her. In discussing why it had taken so long for the check to make it to XXXX, XXXX attempted to deflect the blame on XXXX until I directed her attention to the date of the check as well as the mailing label. She then attempted to blame XXXX XXXX for getting Service Link the monies late. XXXX said she could provide me information on that money being received late by them and kept looking while we spoke. Finally she gave up and said a gentleman would call me back with that information in the next day or two. To date, I have never received anything ( e-mail, phone call, or letter ) from Service Link since this last phone call.
I do not think it is fair for Service Link to have {$150000.00} of my money for two weeks to do whatever they want with. I do not know if they spent the money to pay bills, invested it, or used it for other purposes. All I can say is that I had to pay {$16.00} for each day that they failed to honor their obligations. I take exception to Service Link first blaming XXXX and then XXXX XXXX for something that was obviously their fault. Not only did they fail to mail this check out in a timely fashion, they also failed to submit the correct amount. I can not say with any certainty if they misused the monies sent to them by XXXX XXXX or if they are just overwhelmed and can not fulfill their obligations as one would expect them to. What I can say with conviction is that I refuse to pay extra interest on monies that should have been properly transferred in a timely fashion.
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Qualified Written Request, Debt Validation Request and Complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( branch of Fidelity National Financial , Inc. ) for racket, mail fraud, conspiracy to defraud and other crimes.
Dear CFPB : I was defrauded by one of XXXX XXXX XXXX XXXX, likely by XXXX XXXX, who hired actors to pose as a lender and servicers ; and XXXX companies ( real servicers ) like XXXX XXXX XXXX XXXX and XXXX, to sell me information about money ( virtual loan ) dressed as a real loan.
During at least last three years all so-called billing statements on XXXX XXXX XXXX XXXX XXXX ( XXXX ) letterheads were printed and mailed to me by XXXX. All my money were collected by XXXX XXXX and their branches XXXX and XXXX and laundered via XXXX XXXX XXXX XXXX XXXX XXXX and a shady credit union in California for unknown to me beneficiaries.
On XX/XX/2022 I received another fake " billing statement '' printed and mailed to me by XXXX on XXXXXXXX XXXX letterhead, with another demand for money.
XXXX has absolutely nothing to do to with these creative manipulations, except provide their name to be used on letterheads sent to me by XXXX, XXXX XXXX and their various XXXX companies.
XXXX admitted that they print and mail me so-called billing statements in connection with XXXX but refuse to answer if my data is provided to XXXX by XXXX ; and disclose to me the name and contact information for XXXX responsible officer who authorized XXXX to send me so-called billing statements. Which is a glaring violation of RESPA and FDCPA.
I already demanded XXXX to cease and desist ANY illegal communication with me until XXXX provide me requested information and disclose if they RECEIVE MY DATA from XXXX and provide me name and contact information for XXXX responsible officer who authorized XXXX to send me so-called billing statements to collect from me money.
As of today nobody can find my loan with lender XXXX XXXX or any following transactions, including any XXXX servicing of this so-called loan.
On XX/XX/2022 the Consumer Financial Protection Bureau ( CFPB or Bureau ) issued an interpretive rule, describing states authorities to pursue companies and individuals that violate any of the federal consumer financial laws enforced by the CFPB which is modus operandi for XXXX XXXX XXXX who are engaged in a high-scale mail fraud ; racket, identity theft, conspired with XXXX XXXX XXXX XXXX to defraud homeowners like myself and regularly violate RICO ; FDCPA ; RESPA, ect.
XXXX and XXXX XXXX try to extort from me REVENUE for unknown to me parties masqueraded as repayment of debt while nobody can find this alleged " debt '' which does not exist on any books or records of any company, specially XXXXXXXX XXXX
XXXX XXXX convinced both homeowners and investors that the substance of securitization meant the creation of a loan transaction and then the sale of that loan transaction and the financial expectancy of payment to multiple investors. But the securities brokerage firms never intended any of that. They had to be convincing or else the plan wouldnt work. The real plan called for selling the Loan over and over again by giving attributes of the transaction different names. So in the end, if they paid {$200000.00} to or for a PRIOR homeowner XXXX, they would sell it for at least {$2.00} XXXX, plus additional {$2.00} XXXX from my transaction where no real money were involved at all.
What they could never say, under their plan, was that they were selling a virtual loan with no value in lieu of a real loan consisting of a lender or successor paying for an unpaid loan account.. It is by suppressing the truth about the transactions that the XXXX XXXX XXXX XXXX and securities brokers make all their money aka STEAL from me money by using mail fraud and deception.
They are hiding it because several people ( entities ) get paid revenue from proceeds of payments but none of them have a right to receive it. And they did it that way so they could, in substance, sell the same transaction multiple times to multiple investors without ever having to credit an unpaid account receivable - because an unpaid account receivable does not exist on the books of any person or entity.
The investment bank hired good actors to play the parts one would expect in a loan transaction. That is how they sold this scheme.
I demand XXXX, under RESPA and FDCPA, to disclose if they receive my data from XXXX, to print and mail me so-called billing statements I demand XXXX to disclose me name and contact of XXXX responsible officer who authorized XXXX to print and mail me so-called billing statements If XXXX and XXXX XXXX XXXX XXXX aka Fidelity ) continues to violate RESPA and FDCPA and refuse to provide me disclosures I demand XXXX Fidelity ( dba XXXX XXXX, XXXX ) to cease and desist ANY contact with me which is a text-book mail fraud and extortion racket.
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| 08/18/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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This is regarding a mortgage that XXXX / XXXX XXXX has used every malicious litigation tactic against me to try and enforce a mortgage they bought the bad debt for. The mortgage balance is in the {$600000.00} range/amount due but is always changing. Even up to the mediation last week, there were different amounts.
This bad debt/mortgage was defeated in court in XXXX against other alleged lenders who then sold it to XXXX investors.
We just had a mediation. I brought very substantial settlement offers to the table. After 6 hours of mediation, Nationstar power-hungry lawyers backed by Fidelity National Financial used the threat of more malicious litigation just because on a final agreement, I asked for 72 hours to consult with the attorney of the tenants, which is a XXXX XXXX XXXX XXXX XXXX XXXX.
I pleaded for 72 hours of collaboration vs. more litigation for the sake of the XXXX children.
I showed video and the information of the tenants, the XXXX children, and the founders. In hindsight, I think that was a mistake. I feel just because the tenants organization is from unknown XXXX community leaders and a lower socioeconomic non-profit organization, the attorneys involved decided it was not worth giving us 72-hours to collaborate. This was on a Friday ; they threaten me, sign the agreement now ( XXXX XXXX on Friday ) or else on Monday, more litigation will be filed.
I tried to appeal to the power-hungry attorneys for both XXXX and Fidelity over the weekend, all to no avail. Sure enough, on Monday, they filed more litigation. Had the non-profit been from a prestigious white community organization, we would have been granted the 72 hours plus.
I respectfully offer this summary for everyone to understand the facts regarding this property and the alleged debt on this property and a better understanding of my position.
The subject property/loan is not a defaulted mortgage. This is a bad debt for all involved and a business decision and should be treated that way and settled with collaboration.
Three previous alleged debtholders never validated this subject 's alleged debt in XXXX. All three lender 's tacit assent is documented with certified mail receipts and well-documented communication.
I have been dealing with all of this that you will read about since XXXX with this asset. All the alleged " lenders ' " reputations speak for themselves. The subject debt was part of all the predatory practices spelled out in the links below.
I did not just one day decide not to pay this mortgage.
Since XXXX, I have dealt with mishandled payments and escrows, abandoned broken promises, modifications, and forbearance agreements dishonored during the great " Loan Reshuffling '' of these alleged lenders. Then came the coverup and Robo-signing and outright fraud with my signatures.
This debt has been a part of all this described in these articles. https : XXXX Then the bigger insult, I only received a few hundred dollars from the billions in fines paid by all the lenders involved.
Little History of the debt : And this is just a small part of it.
XXXX XXXX XXXX XXXX XXXX " Original Lender '' Their Reputation https : XXXX Aurora Loans ( alleged assigned lender # 1 ) Their Reputation XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX ( alleged assigned lender # 2 ) XXXX : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX on why I will and must fight this bad debt, in court, civil rights activist, and publicly if we can't collaborate and settle this.
I am not a deadbeat debtor but a determined businessman that wants justice and restitution for XXXX XXXX children living in the home.
I have tried to work the subject debt out since XXXX. I had it worked out numerous times from XXXX, but the rug was pulled out from under me as per the articles. Then again, in my personal and corporate Chapter XXXX, this current alleged lender had three years to settle but ignored the opportunity.
Since XXXX, accounting of all the figures and monies paid and owed on this acclaimed debt has never balanced and still does not balance to this day. A few days before the mediation, I received a different set of numbers and balances.
In my previous corporate and personal Chapter XXXX, I have been personally relieved from any shortages on this acclaimed debt.
I am only asking for XXXX and Fidelity to collaborate on a settlement and stop using malicious litigation trying to remove XXXX XXXXXXXX XXXX XXXX from a property for which XXXX only has bad debt. This needs to be handled by executive leadership and call the power-hungry attorneys off the case.
I have a chain of emails I will provide to the corporate executives that show the attorneys ' failure to handle this case properly.
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| 07/31/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Complaint against XXXX XXXX XXXX and Fidelity National Financial for extortion racket and mail fraud Dear CFPB, I again received so-called billing statements printed and mailed to me by XXXX, XXXX who XXXX along with Fidelity National Financial XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are mercilessly gaslighting me to extort money for an undisclosed Investment Bank , likely XXXX XXXX XXXX in the best traditions of XXXX crime families, XXXX
XXXX XXXX and XXXX XXXX not only extort from me payments for non-existing loan as revenue for this Investment Bank they try to extort from me escrow money which are also stolen, even though I pay my taxes and home insurance from my own pocket.
In order to make their extortion look legit XXXX XXXX XXXX and FidelityXXXX XXXX use name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has no relationship to my transaction with XXXX Mortgage XXXX XXXX and their fake loan where XXXX XXXX passed to me information about money ( dressed as a mortgage ) related to the prior securitization scheme started in XXXX via fake loan with XXXX XXXX XXXX XXXX
XXXX merely allows XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to use their name on the letterheads of correspondence and bills as well as in various call centers owned and operated by XXXX and XXXX XXXX while XXXX itself does absolutely nothing.
1. I did not receive any single letter coming from XXXX or authorized by XXXX employees. All correspondence ( including change of Servicers letter ) is mailed by someone else XXXX, Fidelity, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ect. This correspondence is always non-signed or signed electronically by people who are not employed by XXXX. All phone numbers are call center numbers operated by XXXX, Fidelity or their conduits ; and the only employee which whom I allowed to speak is XXXX XXXX ( whose real name is likely XXXX XXXX or similar ), who also does not work for XXXX and who lies non-stop to the Government officials and customers because fake XXXX is sure that nobody can find him.
2. XXXX XXXX, who is alleged owner of my fake loan sent me TWO separate official letters, in XX/XX/XXXX and XX/XX/XXXX that they dont have ANY records about my transaction with XXXX XXXX XXXX XXXX fake lender XXXX XXXX XXXX XXXX or fake Servicers XXXX XXXX XXXX, no matter how much XXXX XXXX lies to me and CFPB.
3. XXXX XXXX XXXX XXXX, who is an alleged Trustee for non-existing XXXX XXXX XXXX ( about which XXXX XXXX ) deny its involvement which again contradicts with XXXX lies how investor XXXX collects my money as a servicer to give it to XXXX as Trustee to distribute to XXXX XXXX 's investors who is also XXXX. XXXX XXXX and XXXX XXXX expect me to believe in their lunatic lies even though even XXXX and XXXX deny them.
4. All real servicing for unknown to me parties is conducted by XXXX who sends me extortion letters ; FidelityXXXX XXXX who operated a database where all instructions are issued ; XXXX XXXX who collects my money from rented by XXXX po box es and process it via drop box agreements into account opened by unknown to me parties with XXXX XXXX XXXX XXXX From XXXX my money are transferred to another account by either XXXX or Fidelity employees who are given a password to a secured website with instructions where my money needs to be transferred. None of these companies or employees work for XXXX or authorized by anyone from XXXX.
XXXX. My home insurance company XXXX XXXX removed XXXX as additional insured from my policy since they were not able to provide me verification how XXXX is related to my home.
6. Credit Reporting Agencies have NO records on my credit report about my transaction with lender XXXX XXXX XXXX or XXXX XXXX None of it.
And only XXXX XXXX and XXXX XXXX continue to send me extortion letters printed and mailed by XXXX XXXX 's team per XXXX XXXX 's team instructions, trying to coerce me pay to XXXX who during all time in question never received a cent from money sent by me.
I am entitled to know under the law, if Servicer XXXX, XXXX received my data from XXXX for their billing statements ; which exactly data was received by XXXX, XXXX ; which data was generated by XXXX in relationship of my alleged loan ; the name of each individual employee at XXXX who hired XXXX to send me billing statements and who is responsible for accounting ; name of each XXXX individual employee who communicates with XXXX employees about my alleged loan ; is responsible for receiving my data and/or generating my data and printing and mailing me billing statements on XXXX letterheads.
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| 01/27/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Please find my Qualified Written Request to Fidelity National Financial ( FNF ) dba ServiceLink servicing activities such as Modification and VA Partial Claim for my VA loan XXXX.
On XX/XX/XXXX someone sent me a Modification Agreement and VA Partial Claim named as XXXX XXXX where ServiceLink was listed as a recipient of these documents after recording at ServiceLink Loan Modification Solutions located at XXXX XXXX XXXX XXXX, XXXX CA XXXX. See attached documents.
I filed a complaint with CFPB requesting to identify ServiceLinks full corporate name and explain why they conduct servicing of my alleged loan if another company XXXX XXXX XXXX, XXXX claims to be a Servicer who is acting under authority of XXXX XXXX XXXX where XXXX XXXX XXXX XXXX is a Trustee who controls all financial activities for this Trust, including retention of sub-servicers like ServiceLink.
On XX/XX/XXXX someone from purportedly ServiceLink responded to my CFPB Complaint where an undisclosed to me person said : ServiceLink 's full corporate name is ServiceLink , LLC. It is a licensed title agency.
ServiceLink was retained by XXXX to provide a title report to XXXX for property located at XXXX XXXX XXXX, XXXX, MI XXXX. If the modification agreement is signed, ServiceLink would also be retained, in its capacity as a licensed title agency, to record the modification agreement in the county real estate records for the county where the property is located. ServiceLink has no other involvement in the transaction described in the complaint.
This respond lacks Corporate Identity of the Company who filed it ; or name of its authorized agent whom I can contact with my questions. Moreover, this respond created more questions than were listed in my original Complaint.
I need clarifications about this Modification and Partial Claim since I do not know who sent it to me and do not understand terms of these Agreements, specially VA Partial Claim. Please respond to me directly via email and certified mail.
First, please disclose if ServiceLink knew that their name was being used to assert functions that Servicelink does not perform?
Second, this respond said that ServiceLink was retained by XXXX to provide a Title report for my property which is publicly available on Recorders website. Please verify if Servicelink actually performed this Title Search and sent me this Modification and Partial Calim or if someone else sent it and if so, who sent them. ( and under what authority if from Servicelink )?
According to CA Secretary of State, ServiceLink LLC was California domestic corporation dissolved on XX/XX/XXXX and located at XXXX XXXX XXXX XXXX XXXX CA XXXX. ServiceLink who sent me these documents is located XXXX XXXX XXXX XXXX, XXXX CA XXXX. I need clarification in which State ServiceLink LLC mentioned in CFPB respond is incorporated to act as a sub-servicer for my VA loan.
Please identify full corporate name of XXXX who retained ServiceLink as a sub-servicer. Please disclose the name of my creditor under whose authority XXXX hired ServiceLink to perform sub-servicing activities. Please state if ServiceLink LLC retention was approved by XXXX as Trustee for XXXX XXXX XXXX. Please disclose the name and contact information of XXXX authorized employee who hired ServiceLink , LLC.
The respond also said If the modification agreement is signed, ServiceLink would also be retained, in its capacity as a licensed title agency, to record the modification agreement in the county real estate records for the county where the property is located. ServiceLink has no other involvement in the transaction described in the complaint It contradicts with ServiceLink instructions to return recorded documents to ServiceLink Loan Modification Solutions AFTER recording, instead of returning it to XXXX.
Also, my package involved two separate loan Agreements one Modification Agreement and one VA Partial Claim which comes directly from VA.
Please clarify if ServcieLink was hired by VA or under VA authority to record VA Partial Claim in the County real estate records.
Based on these documents, it appears that ServiceLink is already retained and authorized by my Creditor [ s ] to accept recorded documents specially VA Partial Claim, which is a separate loan provided by VA ( XXXX XXXX ) and not related to my Modification Agreement.
Please explain why these documents must be returned to ServiceLink after recording and that ServiceLink is going to do with these documents.
Regards, XXXX XXXX
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| 08/19/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Servicemember |
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I believe I am a victim of a FORECLOSURE SCAM. I am filing a complaint with Consumer Financial Protection Bureau as many people in XX/XX/XXXX were hit by the housing crash, and hopefully, they will not have to deal with what I am going through. It is scary to be in foreclosure (again) and not even know how I got there. Here is a narrative of events:Postage meter stamp XX/XX/XXXX:Early XX/XX/XXXX I received a notice of default and election to sell under deed of trust from Fidelity National Title Company. I do not know who this company is - except they are not my lender. The loan number on the document they sent is not my loan number XXXX-XXXX/XXXX. The loan company listed on the document XXXX is not my lender. They are demanding $XXXX full amount.I am in excellent standing with my current mortgage company XXXX XX/XX/XXXX - current when the loan got modified. According to the XXXX XXXX county recorders office, this company has ALREADY filed foreclosure on my property recorded XX/XX/XXXX. I have not received any notifications of being in default or in foreclosure status. I have not received any breach letters or correction letters advising me how to resolve foreclosure before foreclosure was filed with the County of XXXX XXXX. I did not sign any paperwork with Fidelity National Title Co which is not my title company or lender. They have access to taking away my residence. I did a loan modification back in XX/XX/XXXX with XXXX who held the first and second loans. We accepted the loan mod and have been in good standing with XXXX for over 8 years. Since there was no correspondence, no payment vouchers, loan docs or loan terms regarding the 2nd with XXXX, we understood the loan modification took care of the 2nd and it was forgiven as part of the process to keep people in their homes. There has been nothing on my credit report for being in default or any information that I am in default with my lender. It is unfair and devastating that this unknown 3rd party can file a foreclosure with the county without my knowledge or authorization. I didn't know I was in default of anything since it is not listed in my credit report! My credit score is in the 750+ range which is good. I believe this attempt to collect a debt is well over the statute of limitations. Suddenly, a week ago, a $XXXX+ debt appeared after 8+years doesn't make any financial sense to us since we modified the loan. It appears this company is utilizing public record information to extort money from the equity built up in my residence. Fidelity National Title Company is like a predator - waiting for an opportune time to blindside me and take my home and the equity built up in my home for their gain.Fidelity National Title company has not provided verified documentation to me before filing foreclosure. It is unfair that they have not been transparent in the foreclosure process. It is unjust that I can lose my primary residence and everything me and my family have been working for to get back on our feet after the real estate crash. I worked with XXXX my original lender for a loan modification - they were aware that I had 2 loans with them as my lender. I am sure Fidelity has violated several regulations regarding the foreclosure process. I contacted the Dept of Business Oversight - Fidelity Title is not registered or licensed with DBO. Is this a legitimate company to be collecting $XXXX+ real estate funds from me?It is apparent this could be a foreclosure scam. Everything about the paperwork Fidelity sent to me, the timing, the graphics is suspicious. And that they actually filed foreclosure on me without proper notification violates me as a consumer. The CA Homeowner Bill of Rights ensures fair lending and borrowing practices for California homeowners - Fidelity National Title Company has fraudulently filed foreclosure on me and my family. I have also filed complaints with the Federal Trade Commission, Department of Insurance Consumer Services, and the XXXX XXXX County District Attorneys office so that others will not be scammed and unfairly foreclosed upon.
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| 04/10/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I am a note holder in an owner financed wrap mortgage. FNF XXXX XXXX receives the payments from the current property owner and distributes them to us and the previous owner before us who is also part of the wrap. We all pay them a monthly fee to distribute and service this note. In XXXX XXXX I noticed that since XXXX of XXXX there was an increase in payments deposited into my account by FNF of {$2100.00}. I called FNF and was told the current owners were paying more on the principal. I knew the current owners were trying to refinance and had been turned down. My ex-wife ( who currently holds 60 % of our note to my 40 % ) and I had been mired in a lawsuit with the current owners which we won and the current owners paid us legal fees XXXX to the tune of $ 75k so I figured they were capable of paying the additional principal. When I began doing my taxes in XX/XX/XXXX of XXXX I looked at the statement sent to me by FNF and the principal had not been reduced in proportion to the extra money sent to me by FNF and I freaked out. I had already spent a good portion of the extra income I thought was mine. I called FNF immediately and told them they were over paying me. It took several days and hours of phone calls for FNF to figure out they indeed had over paid me. They agreed it was their fault and understood my position. They told me they would work something out and let me know what they would do. I was willing to do what I had to do to some how make things right. I never heard back from FNF. They did not call me or send any correspondence with regard to the over payment which amounted to {$37000.00}. The current owner 's mortgage broker called myself and my ex-wife to tell us the current owners had been approved for a refinance. My ex-wife and I were sent a pay-off statement from FNF which showed an additional {$12000.00} in interest added to the principal on the note we owe to the people we bought the property from before we sold it to the current owners. I called FNF and they immediately began an audit of the account. They sent me a new payoff statement which I received on XXXX XXXX, XXXX. The current owners send in a payment monthly off over {$6000.00} per month. {$3800.00} of that is used to pay interest and principal to the owners before us and the rest is distributed to my ex-wife and myself. On XXXX XXXX, XXXX FNF took it upon themselves to add {$24000.00} to the principal on the note we owe and an additional {$13000.00} of interest to the note as well. Then beginning that same XXXX when the {$3800.00} payment came in they began paying the interest on the note we owe to the previous owners before us and taking the remainder for themselves without applying any portion to the principal. This continued through XXXX XXXX payments. The principal on the current note that we owe should be, as of today, {$270000.00}. Instead, it is {$320000.00} which a difference of {$42000.00}. The original over pay was {$37000.00}. They have been collecting They are stealing from us! I never signed anything agreeing to this additional principal and interest added to the loan and no one from FNF ever contacted me to tell me they were going to do this. My ex-wife 's name is on the note as well and she was never contacted or asked about this either. FNF has been collecting more than {$1000.00} per month since XXXX XXXX and applying nothing to the principal they chose to increase on a loan that they do not own. They also had the balls to charge interest on this unpaid principal to the tune of an additional {$4500.00} because of a mistake they made and I was the one who found the mistake and notified them of the over payment. My ex-wife is furious and so am I. I can see paying the original {$37000.00} to FNF but this is crazy and has to be illegal at best.
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| 11/16/2016 |
Yes |
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- Settlement process and costs
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Web |
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I received a denial of title claim on a property that was fraudulently sold and conveyed to me so I sent the following letter today : XXXX XXXX, Your letter dated XXXX questions the validity of the XXXX document? The same document the title company subscribes to for the underwriting department to underwrite the policy. The same information that any underwriter in XXXX can pull up immediately and you are questioning the validity of the document. When did the title policy become a unilateral contract only benefiting XXXX?
On XXXX XXXX, 2008 I was set up by XXXX Title Insurance fraudulent transfer of warranty deed and XXXX XXXX XXXX XXXX XXXX fraudulently finished me off. -XXXX Conveyed property fraudulently on XXXX to me on a property located at XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX that I was deceived in believing was mine when in fact it was TRULY owned by the investors per the XXXX Doc and the XXXX filings from the XXXX data platform.
-Effective date of title policy XXXX why this date? -I paid {$420.00} premium to XXXX title insurance for a fraudulent policy effective XXXX. Why back dating and charging me for it?
-Securitized pooling certificates do not transfer ownership EVER and they were FHA insured # XXXX. ( XXXX signed papers and title was clouded at signing title office all the lies those women told me at the title office!! ) I should have been told who the lender was per the Truth In Lending laws and not a " servicer. '' -DEED of Trust XXXX ( XXXX ) I never owned the property but I was lied to stating I owned the property for I made down payment and payments and a fraudulent warranty deed that stated the property was conveyed to me on XXXX.
XXXX XXXX " states '' XXXX XXXX XXXX had note XXXX AND investors were XXXX XXXX XXXX XXXX see SEC filing from XXXX for securitized pooling certificates -XXXX Fraudulently opened back door for illegal court recording and that is how XXXX ( new policy for new property owner for title policy/Company follows property -no recording fees-investors of FNF ) and BAC ( foreclosures and FHA insurance on SPV certificates-Government bailout-investors of BAC ) made millions - DEED of Trust recorded to XXXX XXXX XXXX transferred XXXX after home was already auctioned off XXXX ... the Deed and Deed of Trust were SEPERATED in XXXX a non-judicial State is not allowed.
After all these years of abuse, loss, homelessness I have continued a search for TRUTH as to what happened to me XXXX and XXXX. I was set up before I ever signed the papers on XXXX.
All the players involved from the day I BID on the property XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX until XXXX, all I was, was a file #, property address and property value. This enabled XXXX XXXX, all the people in between including XXXX XXXX Financial and XXXX XXXX XXXX to make millions of dollars off of all the " securitized pooling certificates. '' Social security number + property address + property value = revenue for XXXX and XXXX.
Remember XXXX in 2008?
Your company knew the day I sat down to sign for that home who the true players were and no one bothered to tell me. Then your company has been notified by the XXXX XXXX title office in XXXX potential claim and you have denied my claim THREE TIMES knowing what you did to me!! Not one of you saw me as a person with the hurt and pain that you put on me.
I have all XXXX complaints ready so your litigation expense just went up to the MILLIONS and your operating expense to clean up the 60 % of title transfers in the US the same!!! Since you do not believe the XXXX XXXX and XXXX documents I request an arbitration as well. Also State XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX will be notified.
XXXX XXXX
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| 06/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX XXXX HAS FAILED TO SUBMIT DOCUMENTATION TO SATISFY WHY THE LOAN WAS FUNDED AND CLOSED PRIOR TO THE CONTRACTUAL CLOSE OF ESCROW DATE. PLEASE CONSIDER THE BREVITY OF THIS SITUATION COMPLETE BREACH OF CONTRACT AND ILLEGAL CLOSING AND WIRING OF FUNDS BY XXXX XXXX XXXX A terrible injustice was committed by XXXX XXXX XXXX, XXXX XXXX by bypassing the contract addendum number 3 stating expressly that the " Close of Escrow '' ( COE ) will be on XX/XX/XXXX signed by both parties, and now has caused undue harm to the first time home buyer of a principal residence. Due to NO final walk-through being allowed as stated in the contract ( SECTION : 6l : Lines 298-301in CONTRACT FOR XXXX XXXX ) causing water damage to the home. This injustice all began on : - XX/XX/XXXX when the initial contract began between the Seller and Buyer listed in ( CONTRACT FOR XXXX XXXX ). The buyer and the real estate agent initially walked the property onXX/XX/XXXX finding several items wrong with the dwelling ( Final Walkthrough ) which had to be completed before the purchase of the residence was to be completed. - XX/XX/XXXX {$1500.00} in Earnest Money was received and cashed by XXXX XXXX XXXX. - XX/XX/XXXX- ( XXXX ) Both Seller and Buyer agrees to COE on XX/XX/XXXX to allow for inspection of home. ( XXXX ) states same inspection period granted by both parties. During XX/XX/XXXX and XX/XX/XXXX the Seller of the home asked for the COE to be moved from XX/XX/XXXXto XX/XX/XXXX prompting ( XXXX ), to allow for the tenant who was living in the residence and related to the Seller, time to find a new home. The Buyer being kind agreed to this and both parties signed and the Seller even initialed the top of the addendum. - XX/XX/XXXX- XXXX XXXX illegally began to " close '' on the property without first getting the addendum adjusted ... She also had a courier send illegal closing documents to the Buyer without adjusting the BINDING addendum 3 to the contract requesting additional funds for closing. At no time did she CC the Realtor during this process. ( ILLEGAL EMAIL THREAD ) - XX/XX/XXXX- XXXX again illegal contacted the Buyer coercing signature and final payment. - XX/XX/XXXX- XXXX XXXX is notified that the tenant has moved out and requests a date to push up the date for the COE from XX/XX/XXXX, and also requested when a new BINDING addendum can be drawn up. - XX/XX/XXXX- XXXX sends a congratulatory email to the Realtor saying that COE was completed and the home was sold ... THAT IS A COMPLETE BREACH OF CONTRACT. -XX/XX/XXXX- Buyer does a " final walkthrough '' and discovers NOTHING WAS COMPLETED BY THE SELLER!! There were also additional appliances that were not supposed to be in the residence still there leading to this complaint!! The dishwasher was not plugged in and working which is a part of the breached contract!! The washing machine was left in the residence and to " ensure that everything was working appropriately per the breached contract '' the buyer did a small load of clothes and the washing machine which was BROKEN over flowed and flooded both the upstairs and the water flowed through the ceiling to the downstairs through the ceiling fan ( VIDEO WAS CAPTURED IF CFPB NEEDS TO VIEW ) ... **Bottom Line, if DUE DILIGENCE was done by XXXX XXXX XXXX , adjusting the COE on an addendum and a TRUE FINAL WALKTHROUGH WAS DONE ... A final decision could've been made by the Buyer ( i.e. all appliances would've been tested and a decision could've been made )
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We are the victims of mortgage loan fraud by XXXX XXXX ( d/b/a XXXX XXXX XXXX ), a bad faith title insurance claims by XXXX XXXX XXXX XXXX XXXX and wrongful foreclosures by XXXX and XXXX XXXX XXXX XXXX of which we can only surmise to be the act of equity theft, securities fraud, and bid-rigging. We purchased our house in XXXX and it was first wrongfully foreclosed in XXXX. This was so accomplished because there was already a Warranty Deed on our property with a Security Deed which was never canceled, prior to our inducement. This crime was carried out by Real Estate Closing law firm, XXXX who using their own title examining company, XXXX XXXX, produced a fraudulent clear title to execute a counterfeit Warranty Deed. At closing, we signed a fraudulently prepared Borrowers Affidavit of Title, which induced the XXXX XXXX XXXX to release funds for the loan under the newly created XXXX XXXX XXXX ( now defunct ), and inducing us to sign the accompanying counterfeit Security Deed for the same. We were never given notice of the XXXX foreclosure nor a dispossessory warrant and in good faith, continued to make payments.
In XXXX, we refused the payment terms of the newly assigned lender, XXXX XXXX Investment Partners ( Trustee for XXXX XXXX XXXX XXXX ) due to their breach of contract, and for refusing to provide record of our payment history from XXXX to XXXX. We asked for this history because we noticed our principle never decreased, but increased by more than $ XXXX from above our original loan amount. XXXX attempted to foreclose on the counterfeit XXXX Deed, but were unsuccessful due to the XXXX wrongful foreclosure granting XXXX both legal and equitable title. XXXX filed a Petition for equitable reliefwe filed a title insurance claim with Fidelity for defective title. Fidelity denied our claim, asserting, the XXXX petition would cure our title. On XX/XX/XXXX, through material misrepresentation and gamesmanship, XXXX won a summary judgment granting them Deed under Power of Sale. In addition, a Consent Order was to be reformed canceling any conveyance of our property to XXXX. XXXX by law however, could only execute a Quitclaim Deed of Release to its buyer, releasing both legal and equitable title to our sellerwe NEVER received equitable title nor subsequently, our full rights as homeowners.
We have discovered the 'genesis ' of the fraud, which was carried out by the recording of false Warranty and Security Deeds which made it impossible for Titling companies, to discover the bonafide, existing Warranty Deed. We would later discover AMIP, title insurer Fidelity Title Insurance Company and XXXX ( the former bank who conducted the first wrongful foreclosure ) are aware of this 'loophole ' and have worked against us to foreclose once again. After denying two additional title claims, Fidelity stalled and never cure our title defects. Their interests in our failure stem back to a XXXX, 70 % interest merger in our title examining company, XXXX XXXX, posed to cover up embezzlement crimes which lead up to the imprisonment of XXXX of XXXX XXXX and law firm managing partner, XXXX XXXX in XXXX.
AMIP successfully conducted a non-judicial foreclosure on XX/XX/XXXX, XXXX enforcing the same counterfeit XXXX Deed, robbing us of our $ XXXX down payment, over $ XXXX in mortgage payments and over $ XXXX in equity.
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| 05/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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COMPLETE BREACH OF CONTRACT AND ILLEGAL CLOSING AND WIRING OF FUNDS BY XXXX XXXX XXXX A terrible injustice was committed by XXXX XXXX XXXX, XXXX XXXX by bypassing the contract addendum number 3 stating expressly that the " Close of Escrow '' ( COE ) will be on XX/XX/XXXX, signed by both parties, and now has caused undue harm to the first time home buyer of a principal residence. Due to NO final walk-through being allowed as stated in the contract ( SECTION : 6l : Lines 298-301in CONTRACT FOR XXXX XXXX ) causing water damage to the home.
This injustice all began on : - XX/XX/XXXX when the initial contract began between the Seller and Buyer listed in ( CONTRACT FOR XXXX XXXX ). The buyer and the real estate agent initially walked the property on XX/XX/XXXX finding several items wrong with the dwelling ( Final Walkthrough ) which had to be completed before the purchase of the residence was to be completed.
- XX/XX/XXXX {$1500.00} in Earnest Money was received and cashed by XXXX XXXX XXXX.
- XX/XX/XXXX- ( addendum_extend_coe1 ) Both Seller and Buyer agrees to COE on XX/XX/XXXX to allow for inspection of home. ( Addendum_2_fulton ) states same inspection period granted by both parties.
During XX/XX/XXXX and XX/XX/XXXX the Seller of the home asked for the COE to be moved from XX/XX/XXXX to XX/XX/XXXX prompting ( addendum_3 ), to allow for the tenant who was living in the residence and related to the Seller, time to find a new home. The Buyer being kind agreed to this and both parties signed and the Seller even initialed the top of the addendum.
- XX/XX/XXXX- XXXX XXXX illegally began to " close '' on the property without first getting the addendum adjusted ... She also had a courier send illegal closing documents to the Buyer without adjusting the BINDING addendum XXXX to the contract requesting additional funds for closing. At no time did she CC the Realtor during this process. ( ILLEGAL EMAIL THREAD ) - XX/XX/XXXX- XXXX again illegal contacted the Buyer coercing signature and final payment.
- XX/XX/XXXX- XXXX XXXX is notified that the tenant has moved out and requests a date to push up the date for the COE from XX/XX/XXXX, and also requested when a new BINDING addendum can be drawn up.
- XX/XX/XXXX- XXXX sends a congratulatory email to the Realtor saying that COE was completed and the home was sold ... THAT IS A COMPLETE BREACH OF CONTRACT.
-XX/XX/XXXX- Buyer does a " final walkthrough '' and discovers NOTHING WAS COMPLETED BY THE SELLER!! There were also additional appliances that were not supposed to be in the residence still there leading to this complaint!! The dishwasher was not plugged in and working which is a part of the breached contract!! The washing machine was left in the residence and to " ensure that everything was working appropriately per the breached contract '' the buyer did a small load of clothes and the washing machine which was BROKEN over flowed and flooded both the upstairs and the water flowed through the ceiling to the downstairs through the ceiling fan ( VIDEO WAS CAPTURED IF CFPB NEEDS TO VIEW ) ...
**Bottom Line, if DUE DILIGENCE was done by XXXX XXXX XXXX , adjusting the COE on an addendum and a TRUE FINAL WALKTHROUGH WAS DONE ... A final decision could've been made by the Buyer ( i.e. all appliances would've been tested and a decision could've been made )
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| 12/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX XXXX still has not remeburse me for doing their part on the Title work that was suppose to be done by them The Lender XXXX XXXX and i sent emails from them and other title compnaies and the court itself said That XXXX XXXX XXXX was suppose to do the title work and taken care of it and all recorded. XXXX XXXX XXXX once agin did not do this. It has nothing to do with myself I had nothing to do with the titale work and recording thats whom XXXX XXXX paid for XXXX XXXX to complete the proper title work and they never did. And it wasnt the prviouse lendors fault He did everything on his end. SO I had to go pay for another Title company to record and get the lean off. The only paper work they would accept took three weeks to get because XXXX XXXXl stated that once agaoin XXXX XXXX XXXX was responsble for what was suppose to be done and they dropped the ball they quoted to me " It was their mistake '' Very impotant that Fidelity reads this and start taking action for there own error as Fidelity states a satisfaction letter was sent all this was was and payoff letter nothing else when i took to the Court they would not aaccept it and laughed they needed the full discharge of mortage from the title company that was XXXX XXXX XXXX XXXX and that was the only way to get Lien off and now Listen closely XXXX XXXX XXXX was paid a hefty amount and to do the title work and settlemnt work this was not done I repeat there was no satifaction letter I would respectfully ask that XXXX XXXX XXXX provid me a copy of this such letter out there and prove to me the Court would accept that. I confirm this that It was not doen on their pat XXXX XXXX can not prove this Ill bet any money on this you show me the letter and paperwork that the court would have accepted to get lien off Nothing because I had to hire another title compnay to fix the mess XXXX XXXX XXXX made. I will be waiting on the letter you said I recieved. And the check your refering to and u had the wrong amount was not for what you said it was that amount would have done nothing. But sinc eu sent it yes i will deduct from the total amount which you owe me now has risen even higher due to more attourney work being done. I would like an answer If its not my fault and not XXXX XXXX and XXXX XXXX or the Courts error which it was none of our responsibilitys clearly then whos fault is it There only one left XXXX XXXX XXXX PLease pay your bill and fix your mistakes. Let it be noted that XXXX XXXX has lied now on several ocasions have documentation to the T. Also XXXX XXXX stated I would not talk on phone. I have talk on the phone on several occation by this company. However with their lying and not answering my questions and being unproffesional towards me. I was advice by my councel to put everything on tape and through email so that I would have evidence and paper trail whcih I have proving that this was Fidelitys eror and their error only no one elses.They keep mentioning XXXX XXXX XXXX it has nothing to do with them quit places the blame on others.. I ask for a copy of what Fidelity job was as title company to do the titale work and again was lied to got the runaround I would like a copy of that every company has this they have is show me what you were paid to do This is the 7th time about i requested and still never got.
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| 12/03/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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On XXXX/XXXX/2015, I signed an agreement with XXXX XXXX to buy the property XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The closing date is XXXX/XXXX/2015. As a condition of the sale, XXXX XXXX insisted on using its own form, instead of XXXX, to make XXXX, required me to purchase title insurance from Chicago Title & Escrow, and force me to use XXXX XXXX as the closing agent. XXXX XXXX Team had reiterated that XXXX XXXX XXXX corporate policy dictates that we [ Builder ] do not make any changes to the contract nor use any XXXX forms ''.
In XXXX 2015, the closing agent forged the closing documents, decided that the closing date would be XXXX/XXXX/2015, and team of XXXX XXXX Agent, Chicago Title & Escrow and XXXX XXXX used the Closing Agent to attempt to arm-strong me into taking financial obligation and risking down payment of XXXX cash prior to closing, and receiving nothing after closing. Their sole purpose is to gain money by deceiving me into thinking something which the fraud perpetrator knows to be false, robbing me with forged documents, instead of a gun, in the mask of complying with contract.
On XXXX, there was no valid Purchase & Sale Agreement, no Loan Commitment Letter from XXXX XXXX, which on XXXX confirmed that they had never issued updated loan documents and/or loan approval, nonetheless, the closing agent performed a fake closing.
Soon after the designed fake closing, XXXX XXXX released my funds to XXXX XXXX without my knowledge.
I reported our concerns about the ordeal that I have gone through to Chicago Title & Escrow immediately. I was particularly disturbed that XXXX clearly had no respect for the law. This was an intentional scheme concocted solely to seize my funds while allowing Builder/Seller to deliver nothing. The following day, XXXX XXXX, a senior manager, concluded that XXXX had fully complied with the company 's guidelines. Does anybody really believe that? Her prohibited practice harms consumers and constitutes an unreasonable danger to community of buyers. After five weeks, XXXX insisted on that she was " proud of our staff '' and XXXX conducted closing properly.
Taking into consideration the fact that XXXX XXXX is a national builder, XXXX XXXX a leading player in the mortgage industry, and Chicago Title & Escrow a national title company, I am deeply concerned that the scope and pattern of their practice are broader and graver than I initially imagined.
So today, as I am thinking about the families who are unfortunate and whose funds were separated from them due to escrow fraud and business scheme, I would ask the big companies to think about how they can get their management to improve business practice and let the American people have a peace of mind and confidence doing business with them.
There is a category of conduct that harms consumers ; there is a scenario where consumers are stripped of their rights ; there is a situation where the buyers are put in a position, where the companies are financially rewarded for their unlawful manipulations. Fraudsters wear many different masks. They think their conduct will go unpunished. But " the American people have something on their side the fraudsters do n't : the force of the largest coalition of federal, state and local partners ever assembled to combat fraud ''.
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| 10/31/2016 |
Yes |
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
Older American |
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This complaint is filed with this Administrative Tribunal for UDAAP violations, and FDCPA 15 U.S. Code 1692f - unfair and deceptive debt collection by filing a lawsuits based on flimsy or nonexistent evidence.
1. Whereas, XXXX XXXX XXXX XXXX, Fidelity National Law Group, XXXX XXXX XXXX and XXXX, f/kla XXXX XXXX, XXXX Truss has collectively conspired to fraudulently seize our property where the Plaintiff ', XXXX XXXX , XXXX Truss is claiming to hold a secured interest in our property. IT DOES NOT HOLD ANY INTEREST IN OUR PROPERTY at all. Therefore, they lack legal standing to bring an action for Declaratory and Injunctive Relief -- Note that XXXX XXXX XXXX XXXX is falsely claiming to be the servicer for XXXX XXXX, XXXX Truss.
2. Whereas, this complaint is filed because XXXX XXXX XXXX XXXX bought collection rights to an account that both XXXX XXXX and XXXX XXXX XXXX , ( the seller ) knew or should have known were charged-off and closed on or before XXXX XXXX, XXXX.
3. Whereas, XXXX XXXX XXXX XXXX, in calibration with the parties listed in paragraph 1 above are continuing to pursue collection/foreclosure action through a FRIVOLOUS AND NUISANCE Lawsuit, all for the purpose of intimidation and harassment in violation of UDAAP - See Exhibit XXXX, Case # XXXX. The parties actions are unlawful for the following reasons : 4. The parties listed above knew or should have known they were UNLAWFULLY TREATING the purchase of a default debt that derived from a 4 year old charge-off, closure, and now time barred loan as if the XXXX, XXXX, XXXX Truss actually held a secured interest in our property, although this purported loan, if it was ever in a truss, was bought out of any truss by XXXX XXXX XXXX on or about XXXX XXXX. ( See EXHIBIT XXXX ) 5. Please be advised that the purported loan ( # XXXX ) was ( a ), placed in default by XXXX on XXXX XXXX, and ( b ), It was subsequently charged off and CLOSED on or about XXXX XXXX, XXXX, and ( c ), when a original subprime predatory loan is charged off and closed, the loan and note no longer exist ( according to UCC requirements ), and ( d ), all that remained is collection rights to possible default debt, and ( e ), those rights can be transferred by assignment ONLY, and not by " transfer '' of a negotiable note, and ( f ), as of the charge off/closure date on or before XXXX XXXX the purported loan became unsecured default debt, and ( g ) the STATUTE of limitation began to run on the default debt on or before the Account closure on or about XXXX, XXXX. ( see EXHIBIT XXXX ) then ( see EXHIBIT XXXX ).
6. Be advised that XXXX XXXX XXXX XXXX, upon buying the default debt on or about XXXX XXXX they changed the loan account number. Note that in ( EXHIBIT XXXX at pg. XXXX and XXXX ) it says " Account transferred to another " LENDER '' '' in XXXX XXXX -- - Then see EXHIBIT XXXX, page XXXX where it says XXXX ; UNPAID BALANCE CHARGED OFF ''. It occurred on or before XXXX XXXX.
XXXX. Paragraph XXXX above IS PROOF that XXXX, f/kla XXXX XXXX, XXXX Truss does not have any interest in our property, and the debt is time-barred
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| 05/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I bought a house on closing date XXXX / XXXX / XXXX . On XXXX XXXX I received a collection letter from the HOA itemizing amounts due related to the acquisition of my home. Amounts due are : 1. Asso transfer fees {$200.00} 2. Adopt School Program {$400.00} At the time of the closing the title company presented a HOA Statement ( for which I paid {$250.00} ) dated XXXX XXXX , XXXX . Such statement disclosed a transfer fee of {$170.00} and recurrent annual payment of {$810.00} for annual assessment and {$140.00} for bulk service. The Asso Transfer fee and the Adopt School Program were not disclosed. As part of the closing process I settled the amounts disclosed in the received certificate. The Title company remitted the amount to HOA and the chec k was cashed in XXXX / XXXX / XXXX . After receiving the collection letter I contacted the Tittle Company which provided both evidence of the check cashed and the copy of the certificate detailing the {$170.00} ( the fees related to this complaint were not disclosed ). The HOA initially stated that they can not explain why I was not notified before or why the certificate I paid for was not correct but that the amount was owed as stated in the Corporate Governance documents. After couple of calls and inquiries to HOA I opened a quality ticket. The HOA contacted me and send me a certificate disclosing all amounts due. When I sent over the certificate that I had they allegedly did some internal process and found out that the certificate I received was incorrect and that on the same day ( some minutes later ) they properly sent out another certificate to the Tittle Company. Please note that apparently no additional due diligence was done on the side o f the HOA to make sure the Tittle Company was considering the correct certificate.
Basically HOA is stating that I must pay the amounts and are clearly asking me what my intention is and that the amounts are owed as per the Governance papers. In the other hand, the Tittle company stated that they did their part collecting and remitted what was requested as per the certificate. On XXXX XXXX , XXXX I sent an email to Tittle Company requesting their action. A follow up email was sent on XXXX XXXX and I visit their offices on XXXX XXXX when the closing agent stated she will come back to me, she would request information from the HOA and she will verify with corporate if th e Apopt a Sch ool Should be considered a cost related to the transfer. She stated she will come back to me on XXXX XXXX . I followed up on XXXX XXXX but not proper resolution or even an update has been provided as of today. Kindly refer to the attached email for more details about the related facts and my position regarding this matter. Im also including the documents I gathered from both Tittle Insurance and HOA.
. I kindly request your assistance o further review the underlying charges based on the below facts stated in the attached email and supported by the attached working papers. Best regards,
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| 11/12/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ComplainXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and servicer Fidelity National Financial who conducted escrow reviews for my property All questions below are based on my research and official responses from XXXX XXXX who has no records about XXXX servicing activities and responses to my FOIA requests by USPS who disclosed real identities of the mailers who used XXXX letterheads On XX/XX/XXXX my alleged Lender XXXX XXXX XXXX XXXX transferred allonge to my Note to XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX law firm XXXX and XXXX forwarded me from unidentified sources a new, undated allonge to my Note from some Loan Seller to XXXX, which appeared for the first time Please disclose full name and contact information ( full mailing address, phone, fax and email ) of the Seller for loan XXXX and the name of its individual employee who was handling this sale.
Please disclose the name of the buyer of loan XXXX, its full contact information and the name of this buyer individual employee who was responsible for purchase of my loan Please disclose the date of sale of my loan Please disclose the place of sale of my loan Please disclose the amount paid for my loan by the buyer, in XXXX XXXX XXXX Please provide me a copy of receipt for this sale such as wire transfer, cancelled check, ACH Please provide me a copy of the accounting ledger where my loan was recorded as an asset after this purchase Please provide me the place and the name of custodian for my original promissory note between XX/XX/XXXX through XX/XX/XXXX Please confirm that during all time in question, XXXX claims to be a Holder in due course for my note because XXXX paid for my Note and Mortgage On or about XX/XX/XXXX I received a letter mailed to me by XXXX XXXX XXXX XXXX XXXX informing me about transfer of servicing to XXXX Please explain who authorizedXXXX XXXX XXXX to send me this letter of servicing transfer During all time in question XXXX XXXX XXXX XXXX XXXX all my payments were collected by XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX TX XXXX XXXX Please explain why XXXX XXXX collected my payments if XXXX claimed to be a servicer for my loan. Please disclose who authorized XXXX to collect my payments, and the name of an individual who authorized XXXX During all time in question my property taxes were paid by XXXX.
Please explain why XXXX paid my property taxes if XXXX claims to be a servicer. Please disclose who authorized XXXX to pay my property taxes and the name of an individual who authorized them During all time in question my escrow reviews were conducted by XXXX XXXX Fidelity Please explain why XXXXXXXX XXXX XXXXFidelity conducted escrow reviews for my account if XXXX claims to be a servicer Please disclose the name of individual at XXXX who was responsible for escrow reviews and who authorized XXXX XXXX Fidelity to conduct these reviews I reserve my right to request more disclosures after XXXX and Fidelity respond to my XXXX
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| 09/19/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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YOUR COMPLAINT Fidelity National Finance took my job, my money total of {$250000.00}, XXXX XXXX XXXX XXXX. I have documentation from doctor that has proven my XXXX XXXX XXXX XXXX I was lead to believe these judgments not belonging to me would be corrected, they were false pleadings, misleading, and XXXX stretched the proceedings out for the stature of limitations causing the issues to go away.. Fidelity National Finance wrote a letter stating they would fix my credit problem but they did not. The same promise was written to XXXX XXXX. I feel that they disparaged my character.
XXXX XXXX is now working for XXXX and had worked for XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. is involved with the loan initiators. I am not worried about alerting her. XXXX XXXX is in interest with the title insurance. Only trying to go after me and not honor what title influence is for. The homeowner has had title insurance forever. They actually filed a claim to get it on record because of my actions. There are a lot of them trying to cover themselves with people moving around between companies. There is a XXXX XXXX who was my claim person. The first claim person who I have a letter from oh everything is fine we will take care of this. This was when XXXX gave me XXXX XXXXXXXX to file a complaint on their behalf also. XXXX XXXX of XXXX. I actually filed claims on covered items and they were refused. Now, once again, they should be defending me and I have a new claim person. XXXX XXXX says, " remember I work for XXXX and that is who my loyalty is with. '' and that is my homeowner policy with XXXX. I dont know if you need the policy numbers of that. Homeowner policy, XXXX title insurance. It started out at XXXX then it was type 4 in XXXX. XXXX XXXX is what they were calling themselves at one point. The claim number is XXXX and the policy is XXXX. That was one policy filed on my account with them. XXXX XXXX and her number is XXXX. In your investigation you will find that to cover their ( profanity ) XXXX filed in XXXX when the original one I filed was in XXXX. I have a recording of someone in the executive branch telling me, sure file for both of us. That was XXXX XXXX who was made to disappear for a while but I found her and she still works for XXXX. XXXX and insurance that is the forced insurance they put on and it is $ XXXX 6 months. There is a class action suit and they got sued for this. None of this is public knowledge of what was being done to thousands of people. The claim number I have is XXXX. This is the initial person who I filed this against and her phone number is XXXX. I filed this XX/XX/XXXX. XXXX XXXX is counsel for XXXX and her number is XXXX. And the claim number there was XXXX which they hooked them up together I see. This just goes on and on. This is what I can give you on the company and then make the statement in writing on XXXX.
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| 01/28/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Complaint against Fidelity National Financial , Inc ( FNF ) XXXX XXXX XXXX XXXX XXXX dba ServiceLink ( various shell corporations ) for fraud and impersonation as " XXXX XXXX '' ; " VA '' and " FEMA '' I am a victim of XXXX XXXX 's criminal enterprise FNF operated by several people who created numerous shell corporations acting under names of XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX, inc/DocX, LLC ) and ServiceLink which are incorporated by FNF trusted XXXX XXXX XXXX XXXX XXXX lawyer who holds about 724 jobs in various FNF shell corporations ; XXXX XXXX XXXX lawyer who holds about 487 jobs in various FNF shell corporations ; lawyer XXXX XXXX XXXX holds 607 jobs in various FNF shell corporations ; XXXX XXXX XXXX XXXX XXXX XXXX jobs in various FNFshell corporations ; lawyer XXXX XXXX XXXX holds 10 jobs ; XXXX XXXX XXXX 55 jobs ; and XXXX XXXX 607 positions. These six people, all employees of FNF, registered and operate 15 various ServiceLink companies in California alone My entire transaction called " VA Loan '' with alleged " Lender '' XXXX XXXX was originated and processed by XXXX XXXX 's FNF in California, XXXX where his employees acting as XXXX XXXX ServiceLink posed as FEMA to place me under forced Flood Insurance to cause financial hardship and VA on whose behalf XXXX XXXX XXXX employees sent me various Notices and letter.
XXXX XXXX 's FNF is also a claim processing agent for First American Title ( FAM ) - who deceptively sell bogus " Title Insurance Policies '' to homeowners via chain of sham conduits like Bell Title- which neither FAM or FNF are not going to adhere.
On XX/XX/2022 someone sent me flagrantly fake " VA Partial l Claim " and " Modification '' acting as FNF 's ServiceLink in XXXX XXXX XXXX XXXX XXXX Ca.
I submitted my Complaint with CFPB against ServiceLink demanding explanations and validation of this " VA Partial Claim '' To my surprise, this complaint made a detour to Fidelity National Financial , Inc. before it was purportedly submitted to ServiceLink.
On XXXX XXXX XXXX someone responded me purportedly from ServiceLink with absurd runaround.
FNF repeatedly said that my Complaint does not belong to them XXXX XXXX and his FNF must explain to me and CFPB why my complain does not belong to them if ALL manipulations with my fake " VA loan '' ; fake FEMA Insurance ; fake " Servicing '' by Caliber and PennyMac ; and fake " Modification '' and " Partial VA Claim '' are all done by XXXX XXXX ; XXXX FNF and its six trusted employees XXXX, XXXX, XXXX, XXXX, and XXXX who send instructions to various XXXX XXXX via secured messages from secured message which documents they need to send me; under glimpse of " XXXX '' and its " employee '' XXXX XXXX '' who is likely a ficitious name for someone else.
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| 09/26/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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This complaint is submitted to force an inquiry into both Fidelity National Title and XXXX surrounding the events leading up to the refinaincing of my home located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Short backstory : Initially I had erroneously thought that the continuing problems and erosion of my credit standing was due to the negligence of XXXX against whom I had lodged a complaint with the CFPB and the Texas Department of Savings and Mortgage Lending. After my complaint was received by the aforementioned agencies it was found that XXXX Committed no error in its reporting against my credit, nor in its handling of the payoff received from XXXX.
After more months of waiting/searching for answers seeking legal consultation, I reached out to XXXX during the week of XXXX XXXX, XXXX and spoke with them. They relayed what I had heard before which is that Fidelity Title failed to request a new payoff statement prior to closing on my home in XXXX of XXXX. Had Fidelity National Title requested a new payoff, they would have found that taxes were paid between the time of the payoff statement and my closing in late XXXX XXXX XXXX. The bottom line is this : Had Fidelity National Title done its due diligence and requested a new payoff statement, they would have seen taxes paid and my refinance could have been pushed back a few days to make adjustment on the final closing figures. Instead, no one at Fidelity National Title of XXXX thought to go back and ensure the payoff statement was still good and the result is the credit of me and my wife being ruined and XXXX Mortgage wanting full payment of anywhere from {$4200.00} - {$7600.00} depending upon what document I look at. Either way, this could have been avoided and I am asking for an investigation into this matter to bring to light who dropped the ball and why. Moreover, we sold the house in question in XXXX XXXX and Fidelity National Title is pushing the matter off on to the buyer 's title company ( they had nothing to do with this matter ). There are no, nor have there ever been any liens against the property and consequently, the other title company being pulled into this mess has no play in this matter.
This matter has so devastated my credit and my standing with the VA ad a XXXX veteran that I can not obtain a mortgage that will put my family in a better financial position.
The entities in question are : XXXX XXXX, Fidelity National Title, XXXX FM XXXX, XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX ( he is a manager ), XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX ; have only successfully reached this guy once ( perhaps twice ), but he knows a bad payoff statement was used and has n't returned any of my calls since.
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| 06/02/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
Servicemember |
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I am a first time home buyer attempting to purchase a home in Washington State. XXXX XXXX has refused to release my earnest money in Escrow after seller relisted property while still under contract. Rather than follow the law and purchase of sale agreement and releasing my earnest money in a timely manner - XXXX XXXX reached out to XXXX XXXX XXXX 's Attorney.
On XXXX XXXX, 2016, I entered a purchase and sale agreement as a buyer to purchase from XXXX and XXXX XXXX property located at XXXX XXXX XXXX in XXXX, Washington. As required by the purchase and sale agreement, I paid {$10000.00} in earnest money which has been held in trust by XXXX XXXX 's escrow department. Both the XXXX and I agreed that I would have a financing contingency in this transaction when they signed a Form XXXX Financing Addendum. My financing contingency period was preserved until XXXX XXXX when I gave notice of termination due to being unable to secure financing by closing the date. The seller refused to allow for an extended closing and by that time had relisted property on the XXXX of XXXX 2016.
Under Section XXXX of the Financing Addendum, XXXX things were required under this contingency for refund of the earnest money : 1 ) written confirmation from the lender and 2 ) notice from the buyer. Both of those requirements were satisfied by XXXX XXXX Pursuant to the terms of Section XXXX, on XXXX XXXX and XXXX XXXX, I again sent out a written notice demanding return of the earnest money. On XXXX XXXX, XXXX bank my lender provided a written confirmation explaining why I was unable to obtain financing.
According to RCW 64.04.220 ( 2 ), XXXX XXXX had 15 days from XXXX XXXX - the day it received my written notice - to 1 ) notify the parties of my demand, 2 ) release the money, or 3 ) commence an interpleader action. When my legal counsel called XXXX XXXX on XXXX XXXX, 2016, she said XXXX XXXX did not send out any notices to the parties in regard to my demand and that it was XXXX XXXX 's policy to simply wait in these situations for a rescission agreement to be signed. This policy is not consistent with the purchase and sale agreement or RCW 64.04.220. In fact, it is my opinion that XXXX XXXX is out of compliance with RCW 64.04.220 ( 2 ) and the terms of both the Form XXXX Financing Addendum and the purchase and sale agreement.
I just want my {$10000.00} earnest money returned to me as I have sent significant time, energy, and resources traveling between coast to try and buy a home. I believe XXXX XXXX is not acting on good faith as a neutral party and they have wrongfully held onto my earnest money for 3 days shy of a month now. Please help me.
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| 09/24/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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XXXX XXXX is the state counsel of nm for fidelity national title He made the loan the closing the hud title and escrow setup for my land contract I was not offered any other type of financing Bought a home with cash down, paying what I was told " arrearages '' of a mortgage by countrywide to make the payments and refinance 7 or 8 years after.
I was given HUD statements on the moneies moved around to make things fit, by XXXX XXXX and XXXX XXXX and then I was asked if I know the last 4 of the sellers social security number which I did not, then I was told that the XXXX XXXXXXXX XXXX is modifying the loan with the prior owners????? after 4 months it was sold to us?
The issue is that ieven if I put more down to be ahead of payemnts the loan never caught up and it ended in a foreclosure filing The REC balance to payoff was under XXXX and the bank had a " set aside '' money and a " new loan no cash " done in XXXX, which fidelity, where XXXX XXXX works, knew that it was already sold to another and that the prior 2 owners could not encumber the house, despite this fidelity shows as " insurreer " for the bank XXXX XXXX XXXX works there, he made the deal and despite that the title company covered this fraudulenty loan in XXXX. This loan is not attachable to my house, and this " judgment " of the dated loan XXXX in XXXX is not collectable, from us, maybe from the " investor clients of bank XXXX XXXX and XXXX XXXX '' not us, they have harassed annoyed and really messed my life and threatenned us for years and years because they CAN use their leveralge, call in a FAVOR they are huge banks and title companies, and they ahve established war against a feeble XXXX old lady and myself hwo have put all our savings cash which the banks used for interest and overight loan and have not accoungted for to setoff the loan in XXXX. They returned a third of the cash about XXXX and embezzled the rest, of XXXX missing in " suspense '' accounts that are for bank profit and threaten us to foreclosue on our home we have continued control of over 10 years and paid cash. Pleaes collect from your " borrowers '' who sign the loan, for a inrem foreclosure the title must be in the name of the debtor and we did not sign now or anything about the XXXX fha investor loan " new loan no cash ''. You hsould stop giving money to the salcedos in florida and really make sure the people livein the home before bleeding cash to them. I included my gas bill I lived and controled this home for over 15 years, there is no fha loan possible iafter XXXX with the XXXX 's and XXXX XXXX XXXX KNOWS THIS., Silence breeds corruption.
|
| 06/05/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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Service link posed as a company helping us to refinance our home and to avoid foreclosure and we spent appraisal inspections and repairs exceeding XXXX in our home to close. We feel this was done in deceit and to help a debt collector clean up, maintain the house we own so that they can sell our home to pay for a loan of third parties that were not in title at the time they took a heloc and 2 new loans in XXXX, XXXX and XXXX. We also paid XXXX cash to the bank to payoff or at least reduce the house mortgage as per our real estate contract that paid the countrywide loan ( failed bank ) to buy. We have title insurance so the prior sellers, XXXX XXXX and XXXX XXXX are not in title after XXXX and we were told by HUD counselor that those loans do not attach to the house and they maybe collecting against FDCPA and violating the statute of frauds. We complained to the authorities against XXXX XXXX because he emailed us saying that if we do not come into an agreement with him, he will foreclose our personal residence. We were directed by XXXX XXXX to work with XXXX XXXX and his service link to refinance or do loss mitigation but they lied to us. They said " they are tryihg to clear title ''. We did not understand so we talked to an attorney, and he said that the title is in the name of me and my mother and that unless the bank has title insurance, which they should have contact, anyway, the loans are not valid because were obtained by a person who was not in an equity position and the only title insurance we have is the one in XXXX. The bank has not presented any other mortgage policy they obtained as lien holders since XXXX and not even a mortgage statement or dates of discharge of the multiple loans. The customer service gave us a " Printout '' and another later which has a payment one payment after 10 years that " applies to XX/XX/XXXX " which is weird because if you pay a mortgagae it applies to the last missed payment, only lines of credit work that way.
The service link cheated us and acted as a loss mitigator for refinance and what they are is a group with XXXX and XXXX, aka XXXX XXXX to economically abuse my mom further to lead her to repair the home, do their appraisal and their isnpections and cost mom another XXXX and to me too. Aside from that the bank has moms ' XXXX cash that she paid from XXXX to XXXX that was not applied correctly Looks like the bank is giving money to a person not in title and now they want to collect from someone else that is not a sophisticated person and is XXXX and XXXX and non represented.
I believe SErvicelink is their accomplice.
|
| 03/29/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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On XX/XX/XXXX I, XXXX XXXX XXXX, closed on a mortgage with XXXX XXXX ( formally known as XXXX ). Prior to closing, I purchased a title insurance policy with XXXX XXXX XXXX XXXX for a {$730.00} premium to insure me against any title defects ; moreover to assure me, the buyer, that I have purchased a valid title, up to {$130000.00} ; which was the original cost of my home ( SEE LINE XXXX of the HUD SETTLEMENT STATEMENT I SIGNED AT CLOSING ON XX/XX/XXXX ). The XXXX employer, who supplied the closing documents, confirm with me during the signing process at closing that I did in fact purchased a title insurance policy that will be mailed out to me by XXXX XXXX XXXX within XXXX business after closing.
It has come to my attention via the Independent Foreclosure Review that I may have been sold a home by XXXX who really did not have the right to sell me this home. It is my understanding that a title search is a means of determining that the person who is selling the property really has the right to sell it, and that the buyer is getting all the rights to the property ( title ) that he or she is paying for. In those transactions where title insurance is involved, the title company must determine insurability of the title as part of the search process.
Unfortunately, On XX/XX/XXXX, while I was at work, I, XXXX XXXX XXXX, was forced out of my home by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, etc. with the motive to cover up all loose ends of this mortgage transaction by which they stole my locked file cabinet that housed all of my important files and documentation ; which included my title insurance policy, monthly mortgage statements, deed, birth certificates, etc. Nevertheless, my copy of my closing packet was at my mother 's house, due to the fact that when I closed on my home I went to her house and left that packet with her. As a result, my mother put it up for safe keeping, by which XXXX was unsuccessful in disposing of corroborating evidence of a mortgage that should have never happened in the manner by which it did.
To ensure XXXX XXXX XXXX did not facility mortgage fraud via racketeering, illegal kickbacks, etc., I request the CFPB to see that XXXX XXXX XXXX to provide me with a copy of my Title Insurance Policy, along with a copy of the chain of title performed by XXXX XXXX XXXX which allowed me and XXXX to legally enter into a binging mortgage contract to permit us to successfully close on this mortgage on XX/XX/XXXX.
|
| 11/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Well first off thank God we have the XXXX Many consumers and i have no nice way saying this but ar egetting XXXX by these large comonaies that think they cann walk all vover the consumer wrong I sued two large compnaies in Federal Court. It need to end here and for companys to take responsibility for their own mistakes I will poest supporting eamils in here since they dont seem to upload through other complaint. My Loan now is being held up for weeks yes weekes because the last title company that did my loan titel did not do there job and left a lien on the house with another lender. This shoudl have been done by the titale company that was hired for XXXX dollers. Well they didnt do there Job so now Im stuclk hiring people to do it with my own money which has caused problems in my life. I can pay my bills now and get my medication. And honestly been sick over this with my XXXX being in the high XXXX. They refuse to correct this mistake . I ask them over and over to please fix it they do not knwo what to do who to go to because they dropped the ball a year ago. So. now the bill just get larger. In talking with my atoturney XXXX XXXX XXXX XXXX the number 1 and number 2 mortgage lender sin the COuntry all agree the titele company that was hired by my mortage company should have fixed this and will not so they can pay me and the people I hired to clean this mess up. How sad you would do this to a client that did ahve trust in you . I understand u made a mistake wer ehuan however u refuse to fix it I have asked you seeral times and i been running my XXXX off to get this clloan closed but have a hold up because you never did proper title work on my previous loan shame on you, SHame on you.
RE: XXXX - XXXX XXXX XXXX XXXX
Reply|
Thu XX/XX/XXXX, XXXX XXXX
You
You replied on XX/XX/XXXX XXXX XXXX.
XXXX XXXX,
Yes, the previous title company, that we do not have any affiliation with, made a mistake when drafting the title work.
Thank you,
XXXX XXXX
Loan Assistant
Home Point Financial Corporation
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX Ext: XXXX
Fax: (XXXX) XXXX
Email: XXXX
I appreciate your help in getting this resolved. The old title company has been giving us push back all week and hasnt been moving this along because they havent wanted to admit fault.
XXXX XXXX
Sales Manager
Home Point Financial Corporation
NMLS: XXXX
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX
Fax: XXXX
Work Mobile: (XXXX) XXXX
Email: XXXX
|
| 09/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Fees or costs after closing
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|
Web |
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I was scheduled to close on my mortgage refinance on XX/XX/XXXX. I was informed via phone call and email from Fidelity National Title Company of Oregon that my transaction had closed and was recorded in the early afternoon of XXXX.
However, I received a subsequent call and email in an attempt to reach me in the late afternoon. When I finally was able to return the call from the title company, I was told that they had made an error in the calculations of the settlement statement and that there was a shortage of funds that would need to be covered by me. When I attempted to resolve the issue with the title company, they refused to take any financial responsibility for their error. Their refusal to accept responsibility also included any additional interest that would accrue until a wire could be sent the upcoming week as it was late Friday afternoon and past outgoing wire cutoff times. They offered to hold back my funds from my property tax escrow to cover the difference, which I declined verbally ( and again later that day via email ). At this impasse I was told by the title company that I would have to contact the lender, XXXXXXXX XXXX, to discuss further.
When I reached out to the lender that same late afternoon on XXXX, they assured me that the refinance was closed, and that my obligations on the prior loan were fulfilled, and that I could ignore any further requests from the title company for the shortage.
Representatives from Fidelity National Title Company of Oregon continued to contact me over the next two weeks in an attempt to recover funds from the earlier shortage. I informed them that XXXX had released me of any additional obligations with regard to the shortage. It was at that time that XXXX informed me that they had already paid the shortage to XXXX XXXX and that I was now required to reimburse them. I neither authorized XXXX to do so, nor was I informed when this was done at the time. I let them know that I had been released of any remaining obligation to the lender and that I would not reimburse their funds.
In a letter dated XX/XX/XXXX, Fidelity National Title Company of Oregon threatened legal action if I did not reimburse what they paid for the shortage of {$2100.00}. I also discovered that they were still holding my property tax holdback of {$10000.00} from my mortgage servicer as leverage in an attempt to force my compliance with their request. I responded to the letter via email on XX/XX/XXXX in which I declined to reimburse their payment and demanded immediate release of my escrow funds.
|
| 02/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Complaint and QWR against ServiceLink On XX/XX/XXXX someone filed a respond to my XX/XX/XXXX complaint which implied that this respond was filed by ServiceLink , LLC employee.
Please state the name of employee who prepared this response, his/her position with the Company and contact information such as mailing address, phone number and email, so I can contact this employee directly.
The respond further implied that it was filed by ServiceLink LLCs agent, a corporation registered by Fidelity National Financial ( FNF ) lawyer XXXX XXXX on XX/XX/XXXX and operated by FNF employees XXXX XXXX and XXXX XXXX.
The respond is incomplete, evasive and contradicts with ServiceLink prior respond filed on XX/XX/XXXX also by an undisclosed person.
First, I asked ServiceLink to state if they knew that their name was being used to assert functions that Servicelink does not perform? Based on XXXX XXXX XXXX respond I conclude that Servicelink knew that their name being used to assert certain function that Servicelink does not perform Second, on XX/XX/XXXX ServiceLink said that it was retained by XXXX to provide a title report to XXXX. I asked if ServiceLink DID provide Title Report to XXXX for which ServiceLink was hired. My question was not responded.
On XX/XX/XXXX ServiceLink stated that it was retained to perform title related activities. Please state ALL activities performed by Service Link in relationship to my property.
Third, I asked why my documents need to be returned to ServiceLink AFTER they are recorded in XXXX XXXX instead of returning it to XXXX whose office is nearby ; and that ServiceLink is going to do with recorded documents. My question was not answered.
XXXX, XXXX agent said that I need to talk to my lender about my modification. I dont know who is my XXXX. Please disclose the name of my creditor under whose authority XXXX hired XXXX to perform title related activities. Please state if XXXX XXXX retention was approved by BONY as XXXX for XXXX XXXX XXXX. Please disclose the name and contact information of XXXX authorized employee who hired ServiceLink , LLC As you know, corporations do not perform any services by itself, without involvement of individual employees. Please state name of XXXX employee who hired XXXX to perform title related activities.
Preparing XXXX Report for my alleged Servicer is a subservicing activity for which XXXX must be authorized by my creditor and apparently PAID from my mortgage payments to perform this service for someone. Thus, this is subject to RESPA disclosures.
|
| 04/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Pawn loan
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- Received a loan you didn't apply for
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|
Web |
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In XX/XX/XXXX XXXX and XXXX XXXX claim that they lent XXXX XXXX XXXX - XXXX XXXX a loan for {$100000.00} to purchase an office complex for himself that I was told would be a flip property. They produced a photocopy of a cashiers check that they claim was given to XXXX XXXX at XXXX XXXX XXXX as payment towards this loan but XXXX XXXX XXXX never received a receipt for the transfer of money into escrow nor was the money ever deposited into the XXXX XXXX XXXX business account. Then the XXXX 's had XXXX XXXX write up a Promissory Note stating that XXXX XXXXXXXX XXXX XXXX XXXX owed XXXX and XXXX XXXX {$100000.00}. These two companies, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are two totally separate LLC businesses, formed by their son.
Then in XXXX of XXXX XXXX and XXXX XXXX set up another appointment, along with their son and had me sign a quit claim deed, drawn up again by XXXX XXXX from XXXX XXXX XXXX, after the purchase agreement had already been signed for the sale of property, to transfer my rights of ownership back to them, five days before closing. The property was valued at over {$100000.00}. Therefore whatever scheme they had devised as a Promissory Note in XX/XX/XXXX was paid back to them one month later in the form of a quit claim deed to property at XXXX XXXX XXXX, XXXX.
In XXXX of XXXX, XXXX and XXXX XXXX produced this same Promissory Note to the XXXX District court in a lawsuit to which they are not party to, claiming the repayment of this fraudulent business loan. They are engaging in a hoax to deceive Judge XXXX XXXX of a debt that does not exist and lay claim to a property to which they do not have title ( XXXX XXXX XXXX XXXX XXXX ) and through a lawsuit to which they are not party.
It is my belief that XXXX and XXXX XXXX along with XXXX XXXX and XXXX XXXX have conspired to commit fraud. They have used trickery through numerous legal documents and signatures from three different business entities to deceive Judge XXXX XXXX in the XXXX XXXX District Court. At not time did I ever receive money from XXXX and XXXX XXXX as stated by their fraudulent Promissory Note dated XX/XX/XXXX. They are engaging in a hoax to manipulate and deceive a District Court Judge through the Special Master, XXXX XXXX.
|
| 05/04/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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|
Web |
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at the end of last year the cellar informed me that her husband had deceased and Fidelity National was holding funds for my payments to her until they could verify that she was the new recipient for this account please note that I've never been late on a payment and I tried 2 get a clear and decisive answer from this company and never could get a clear answer on what was going on with my money that I was sending 4 payments on this mortgage they cancelled my automatic payments at one time and I still couldn't get a clear answer of what was going on so for my protection I put a stop payment on their automatic payments going to them for this payment on the mortgage and sent the payment directly to the seller in the month of XX/XX/2019 and now all the sudden they show a non-sufficient fund for payments on my credit I have called them since then and the guy that I spoke to said that they would straighten it out and remove that non-sufficient funds I have also remove the stop payment from my checking account so that they can receive payments automatically again I just did that this week on my last statement from XXXX they showed that my interest that was applied to this mortgage payment last month was double of what it should been and I asked them to straighten that out to please note that they are not carrying this note for me they are not my lender the seller is carrying the note they are only supposed to be handling my funds and making sure that the seller gets the money that I pay for these mortgage payments I noticed on my credit report from XXXX that it shows that there has been something reported oh my credit that has to do with my mortgage payment a my mortgage payment should not even be acknowledged with the way it's set up through this company since the seller is the one carrying the note can you please look into this for me and straighten out this thing that has been reported to my credit that's a negative it's made my credit score go down 47 points and it's not fair to me they are the ones that was not disbursing funds to the seller as they should and I did what I thought I needed to do to make sure that the seller was getting her payments thank you very sincerely
|
| 01/16/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
Web |
|
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Fidelity National Title Insurance Co. Close Date : XX/XX/2005 Buyer : XXXX XXXX and XXXX XXXX, XXXX Seller : XXXX XXXX, XXXX There are two Incoming Wire Reports that have no account information and no traceable history of where the funds originated from. We have the complete escrow file but these two transfers do not include Bank Routing, ABA Number, Account Numbers, Transaction Summary, Withdrawal Slip or Bank Deposit Slip. The first wire was {$280000.00}. We subpoenaed the bank accounts going out of the purchaser 's account and into the escrow account, but a transfer of funds are not present in either bank accounts. The second wire was for {$560000.00} We subpoenaed the XXXX of the company that supposedly sent the wire and their records say a check/wire for {$560000.00} was sent to escrow. The XXXX and the incoming wire report from the escrow file don't match nor is there any history of where the money comes from. The subpoenaed bank account for the escrow account does not show that {$560000.00} was deposited into the escrow bank account. The escrow co. provided a hand written note on the incoming wire report " {$560000.00} Lender/XXXX XXXX '' but this is not the correct deposit name and amount according to QuickBook details. We have written numerous emails to the escrow co. requesting the history of these two deposits but unfortunately no documentation has been provided. The escrow company claims no traceable history for these deposits because they were in-house Book Transfers / XXXX to XXXX. Our deposit of {$280000.00} was transferred to the escrow bank account and it was also an in-house Book Transfer / XXXX to XXXX the escrow file contains the Transaction Summary, Account numbers, Withdrawal slip and Deposit slip. Why wouldn't the other two Book Transfers include the same details as our Book Transfer? The Arizona Department of Financial Institutions recommended that we file this complaint. They have also requested the escrow co. to provide the account details for these two deposits. The amount in question is {$840000.00} or {$840000.00} ( depending on which total you use ) without any traceable history of where the funds originated from.
|
| 10/01/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
XXXX : XXXX RE : Chicago Title Insurance Company In Regards To The Federal Trade Commission ( FTC ) Identity Theft, Fraud, and Money Laundering Complaint With Regards to ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And The Property Located At XXXX, Illinois XXXX Along With Its Connection to the XXXX case number XXXX and the Appeal XXXX Dear U.S. Consumer Financial Protection Bureau : Please review the attached XXXX PDF Document Link about the above said matter.
XXXX My former spouse, XXXX XXXX XXXX " XXXX '' committed Identity Theft, Fraud, aggravated Identity Theft, Impersonation, Theft, Money Laundering, and various other criminal action upon me and my titled property located at XXXX XXXX XXXX ; XXXX XXXX, Illinois XXXX.
I have interest in my property from investment payments I paid onto the said mortgage, till my former spouse filed for divorce ; whereby, my former spouse stole funds from my XXXX XXXX XXXX for my parent company XXXX XXXX XXXX.
As you can see from the provided documentation, my former spouse XXXX XXXX XXXX " XXXX '' has committed Home Owners ' Insurance Fraud when he filed a claim on XXXX XXXX, 2013.
The Chicago Title Insurance Company has been aware of the cases and the controversy surrounding the said property for their agency is located within XXXX XXXX County, Illinois at the following address : XXXX, Illinois XXXX Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Cooperation is defined by who we are.
-- Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Chief Executive Operations Director XXXX, Illinois XXXX Tel : ( XXXX ) XXXX ______________________________________________________________ NOTICE : This E-mail ( including attachments ) is covered by the Electronic Communications Privacy Act, XXXX, is confidential and may be legally privileged. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. Please reply to the sender that you have received the message in error, then delete it.
______________________________________________________________________________
|
| 12/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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After reviewing your postal mail letter I get the feel that I might not have explained things well enough. The XXXX XXXX policy dated XX/XX/XXXX that I originally sent you ( you can check the attachments online ) and you sent back to me has a legal description that is not anywhere close to the deed 's legal description. Outside of the wrong location the policy that you mailed me does NOT call out the seconds the policy contains only the degrees and the minutes and has no seconds in the legal description which means that the accuracy of the insured location without seconds means that the subject property could be several house away or even several blocks away. I attached the XXXX policy I picked up at the XXXX XXXX office in XXXX XXXX on XX/XX/XXXX and that policy also shows only minutes and degrees with no seconds meaning that the location could be blocks away from my house. In addition the legal description on the deed is very different.
I looked all over and finally found the legal description page from the original purchase title policy and the legal description matches the deed. I remember getting a phone call from XXXX XXXX who asked me to locate the title policy and call him back. I located the policy and called him back and he told me to destroy that copy because it will cause confusion and faxed me another copy on XX/XX/XXXX. XXXX went as far as calling me back and asking where the page was and I told him in was in the garbage and that I should tear it up and I told him that I would tear it up. I grew suspicious when I hung up the phone and took the page out and put it aside, so there is the original. I am not sure if you are aware of the phone tampering and caller ID spoofing, call interception and voice impersonation I have been subjected to but it is clear I am being embezzled and I get the feeling that my problems started when I bought the house. Please take a look at all three attachments and PLEASE send me back a copy of the title policy with the insured location with an acceptable legal description that includes the degrees, minutes and seconds.
|
| 10/08/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
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To Whom It May Concern, XX/XX/XXXX my Dad passed away unexpectedly. I am the Personal Representative of his Estate ( Letters Testamentary attached ). We determined it best to sell my Dads businesses and it is that sale that I am writing you about. As the Estate of XXXX XXXX, we were half owners of the businesses per the Operating Agreement ( I have included the Operating Agreement ). We were excluded from all aspects of his businesses, financials, distributions and the closing, which XXXX XXXX, the Real Estate Broker ( XXXX XXXX XXXX ), XXXX XXXX Attorney XXXX XXXX and the Title Company orchestrated closing a day early and did not notify or disclose to the Estate or update the disclosure documents ( attached ). I called and emailed Fidelity National Title ( email attached ) requesting the location of the closing and letting them know XXXX XXXX does not have the authority to represent the Estate. As a matter of fact, XXXX XXXX 's email confirming the closing date of XX/XX/XXXX is attached. The day after the secret closing the Estates attorney had me sign a document stating XXXX XXXX could sign on the Estates behalf, which is dated AFTER THE CLOSING OCCURRED and after XXXX XXXX dated the closing documents. The Estates attorney told me if I did not sign that the deal would not close. XXXX XXXX left the closing with the Estates proceeds, forcing the Estate to take legal action and incur extensive legal fees.
Please also note on the Fidelity National Title Sellers Settlement Statement the Closing Date and Disbursement date are listed as XX/XX/XXXX, yet the signatures of XXXX XXXX, XXXX XXXX Fidelity National Title, and XXXX XXXX are all XX/XX/XXXX. The Disclosure document was never updated and the Estate of XXXX XXXX was never updated or notified.
I believe kickbacks and fraud are why the Estate was excluded from the closing and why the closing was performed in secret and moved up a day early.
Sincerely, XXXX XXXX PR, Estate of XXXX XXXX
|
| 06/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with XXXX XXXX XXXX due to negligence from XXXX XXXX, title company and XXXX XXXX XXXX.
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the XXXX to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, Book XXXX, Page XXXX mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX.
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX was not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title.
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.
|
| 12/10/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
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We had a land trust at XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX, the property was temporarily taken out of the trust to facilitate a refinancing of our mortgage. XX/XX/XXXX, the trust company sent us XXXX letter saying they were prepared to put the property back in the trust. We believe we did not receive this letter, and we were unaware that the property was not in the trust. Recently we were updating our wills, and I contacted the trust company to determine exactly how the trust was titled for the attorney. The trust officer confirmed the number of the trust and the description, and said nothing else. The attorney subsequently informed me that there was no property in the trust. In the meantime, the bank happily billed me {$90.00} per year, for a total of {$270.00} for an " empty '' land trust.
When I contacted the bank they said we instructed them to hold it open. However, they did not bother to send a follow up letter or any other contact since XX/XX/XXXX, nor did they bother to mention this important fact when i confirmed the description. I asked for a refund of all or most of the fees. They said they maintained the open trust as instructed. The trust officer was fairly belligerent, but said she would take it to the trust committee, I then received the attached letter saying there would be be no refund and no further correspondence.
During this time, the bank feels they provided a service. However, all they did was maintain an empty trust account and send an annual bill, which cost a very tiny amount. I feel there are XXXX issues, the bank did not provide much service, in never sending a follow up letter. Letters do get lost. They also could not be bothered to look up or inform me of the details of the account when I called to inquire. Further, they were not the least bit sympathetic to my request. XXXX.
Your assistance with this will be much appreciated. Thank you.
|
| 07/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
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XXXX XXXX did not record a Accommodation Recording Deed. The XXXX XXXX XXXX Recorders Office informed me that my property was purchased by my partner and and the Accommodation Recording never happened. In fact the Recorders Office claim that when I added my partner as a Joint Tenant several weeks before I removed my name from the Deed that I was paid {$75000.00} and when I removed my name from the Deed at the request of the mortgage company we used to refinance my property in order to purchase a second property the Recorders Clerk explained that I was paid {$170000.00}. I explained to the clerk that the {$170000.00} was the amount we borrowed on my property. The Title Company who did the escrow for the property we bought reviewed the Deed and assured me it was a refinance not a purchase price. My partner passed away without a will and borrowed {$95000.00} on my original home so we could purchase a third property. I never received any money for my property or sold my property to my partner. We had an agreement that he would remove his name as Joint Tenant on a fourth property, which is my primary residence and I would release ownership to the first property I owned solely ( the one we refinanced several times to purchase other homes ) My partner choose not to remove his name as Joint Tenant. The Recorders Office is making a claim that is not true. XXXX XXXX was purchased by Fidelity Title and claim they have no records for XXXX XXXX. Other XXXX XXXX Offices claim they can not help me. The fact that the Recorders Office claims my property was sold, than fraud was committed against my ownership. I understand that Deed Fraud is not rare and home owners do not become aware until they plan to sell or make a change to their Deed. I am claiming ownership to these properties, but fear I may lose my ownership rights. Who do I contact for help. Who investigates fraud claims.
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| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XXXX XXXX XXXX who brokered a title insurance policy th rough Fidelity National Title Insurance appointed by XXXX XXXX Bank failed to provide clear title or inform me of title issues by the time I purchased my property XXXX XXXX XXXX , XXXX NY XXXX . XXXX brokered with a California division outside of NYS who have been unresponsive to my letter of inquiry . ( Fidelity National Title Insurance Company with the address o f XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX California XXXX . XXXX failed in it 's fuduciary responsibility to be a neutral par ty ( Trustee or Beneficiary ) to inform me of changes made to legal title and what appears to be a factious foreclosure or property abandonment whereby XXXX XXXX XXXX . self assigned themselves to create a new mortgage lien in XXXX under the guise of a loan modification and awarded themselves over {$38000.00} of which no accounting has been presented to me. My property has a clouded title whereby it appears that XXXX entities XXXX XXXX XXXX . has a lien and XXXX XXXX XXXX also had or has a lien and securitized interest in my property. I have had no dealings with either of them or anyone else and it was the trustee 's responsibility to do what was proper by me and in compliance with the SEC and tax laws. It appears that some other " unknown '' entities with judgments unrelated to me have been attached to my property in the XXXX XXXX land and Court records by the law firm XXXX of which I have written a letter to the XXXX XXXX Clerk XXXX XXXX to correct and remove This complaint is in relation to previous complaints I have made with CFPB on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX .
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| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I contacted several attorneys to do the closing on my XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX house and they all declined. I was told that the house was foreclosed on and couldn't be sold and I was also told that the house is in a pool of homes that can't be sold alone. I got a call back from XXXX XXXX who said that he could do the closing. Many closing documents show XXXX XXXX XXXX XXXX, XX/XX/XXXX and the seller 's section 1445 IRS tax information shows that they sold me XXXX XXXX XXXX and not XXXX XXXX.
What it comes down to is that no one is producing the requested paper work and potential buyers are telling me that there is no title insurance. The DEED and the TITLE INSURANCE show very different locations. I need to verify is if Chicago TITLE actually issued a policy and not just a binder. The binder number XXXX is all I seem to get from Chicago when I request a copy of the TITLE POLICY. Can Chicago TITLE please verify if the commitment to title was ever issued?
I have tried to get information about my original XXXX purchase mortgage with XXXX XXXX XXXX XX/XX/XXXX along my refinance information with XX/XX/XXXX Lenders in XXXX. So far XXXX XXXX XXXX XXXX who acquired XXXX has produced no records of the mortgage at all. XX/XX/XXXX Lenders has not produced anything to prove that the actually paid off the existing mortgage. I have requested XX/XX/XXXX Lenders to provide the lien release that should have been issued when the XX/XX/XXXX was paid off. There is no record of the mortgage being satisfied and there is no record of the mortgage being discharged. XX/XX/XXXXLenders has not produced anything to prove that they actually paid of the existing mortgage if there really was a mortgage to begin with.
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| 08/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I was told this was just a mistake, but it is an egregious mistake that I was not likely to discover. If I 'm not alone, this could be a huge scheme. I bought a home and the agreement included an " XXXX XXXX {$380.00} '' warranty, printed clearly on page 6 of the sales agreement, which I was told was a standard 1-yr coverage for home appliances and the like. But XXXX XXXX and/or Chicago Title purchased the lesser XXXX XXXX for {$200.00}, which does not cover appliances. I only discovered this because my kid jumped on our dishwasher door and destroyed it, but would n't have known otherwise because the neighborhood is new and so are all my appliances. Upon reading the fine print, I realized abuse was not covered under the warranty I was supposed to get, so I said " Great! Just give me the {$170.00} you saved by skimping on my insurance! '' Since I only had a month left, it was a no-brainer, their mistake would help pay for my new dishwasher because that recently-discovered money had to go somewhere. But they refused, saying that they could " correct the mistake '' with the insurance company ( XXXX ) 11 months later, and give me one last month of XXXX XXXX that covered appliances, which is not worth the {$170.00} they almost pocketed so late in the warranty term. In your opinion, am I now buying 1 month of appliance warranty for the same price as as the 1-yr warranty? Should n't I be entitled to that money, having caught their mistake, given that I would no never agree to such an absurd warranty price for 1 month of coverage? Keep in mind, had I not caught the mistake, XXXX XXXX and/or Chicago Title would have never told me about the {$170.00} that was intended for me. Is this making sense?
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| 07/16/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I signed a title insurance policy with XXXX XXXX on XX/XX/XXXX. XXXX knew the title was defective when I signed on. The title 's effective date was XX/XX/XXXX. I discovered several defects in the title and informed XXXX in XX/XX/XXXX but the company has not responded. They were supposed to disburse or transfer money to me in the amount of {$210000.00} yet to date they are non-response. In the contract the company had agreed that " XXXX XXXX XXXX XXXX XXXX insures your title resulting from defects arises before the effective date of the Policy, which is XX/XX/XXXX. '' Their business practices have caused me injury as they are false, deceptive and misleading.
Among many of the defects were : the company under which the title was written XXXX XXXX XXXX XXXX XXXX ) was not authorized to conduct business in Texas or any other state, and the contract/policy XXXX signed me up with includes the following violations : 1.The Consumer Financial Protection Acts ( CFPA ) prohibition against deceptive acts and practices.
2. The Texas Deceptive Trade Practices Act ( DTPA ) which protects Texans against false, deceptive and misleading business practices.
3. Violation of Sec. 156.201 of the XXXX XXXX XXXX which states : ( a ) A person may not act in the capacity of, or engage in the business of, or advertise or hold that person out as engaging or conducting the business of a residential mortgage loan company in this state unless the person holds an active residential mortgage loan company license, is registered under Section 156.2012, or is exempt under Section 156.202.
I therefore ask you to pursue this issue on my behalf, as they are not responding to me.
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| 06/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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To whom it may concern : I, XXXX XXXX am a homeowner in XXXX XXXX, California and recently discovered that I am a victim of identity theft. One or more thieves have used my identity to open accounts, steal my credit and place liens on my property. All these accounts were opened without my knowledge nor approval. I knew nothing about any of this until recent. As a result, several fraudulent involuntary judgement liens were placed on me and my home and after several months of requesting that the lien holders investigate and remove or provide me with documentation substantiating signed contracts, credit card statements, signed court notifications to appear, etc., they have not been able to provide anything.
Also, I have made several requests in writing to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX that they investigate and remove those liens on my property title. To this day, the lien holders and title company have refused to respond and remove these liens from my title. This fraud has prevented me for closing several financial equity deals. Please notify all named parties listed below to discharge the fraudulent liens.
Enclosed documents include : 1 ) Identity Theft letter to Chicago Title Company-XXXX identifying involuntary judgement liens. Approximate total {$42000.00} as of XX/XX/XXXX.
2 ) Identity Theft letter to XXXX XXXX XXXX for lien Case No. XXXX. Approximate total {$11000.00} as of XX/XX/XXXX.
3 ) Escrow lien letters from XXXX XXXX XXXX for XXXXien Case No. XXXX & XXXX. Approximate total {$31000.00} XXXX XXXX + XXXX ) as of XX/XX/XXXX.
Regards, XXXX XXXX___________________________ Date XX/XX/XXXX
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| 11/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Mr. XXXX XXXX at National Link was hired by XXXX to disburse payments from the proceeds of a home loan used to purchase one half of an inherited home. Mr. XXXX at National Link did not call to verify the payoff amounts on the loans in a timely manner and as a result some accounts were overpaid and XXXX was underpaid ( by {$1.00} ) causing XXXX to return the check to National Link. National Link nor Mr. XXXX let us know the check was returned ( had to find that out from the credit bureau that the payment was marked as late ) and I had to call him to have the check re-issued and sent overnight. National Link ( Mr. XXXX XXXX stopped payment on the first check and re-issued a second check, but again did not check the payoff amount and the check was sent short and was returned again. None of this was made know to us over a 2 month period, even though I had repeatedly called and asked what was happening with the account. Mr. XXXX seems to believe that he has no responsibility to us or the creditor he was to have paid to ensure correct funds were disbursed. Now XXXX has turned the account over to collections and damaged our credit scores and refuses to correct the action as they say it was National Links responsibility to let us know and National Link ( MrXXXX XXXX XXXX XXXX refuses to correct the actions as they say it was XXXX 's job to let us know. I was able to get National Link to send me the check made out to XXXX and have gone today and paid off the loan plus the additional penalties and have submitted a dispute with the credit bureau in hopes to reduce some of the damage these two institutions have done to us.
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| 01/02/2023 |
Yes |
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Web |
Servicemember |
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My mortgage was transferred XX/XX/XXXX from XXXX XXXX XXXX to XXXX. When I went to pay my monthly payment it had increased from XXXX to XXXX. I reached out to them and they said it was due to a negative escrow account. After getting my account information it showed that upon the start my account only had XXXX, making it go from negative to positive repeatedly from the start. At closing, on XX/XX/XXXX, I paid {$1000.00} towards my fall XXXX taxes and an initial escrow payment of XXXX to XXXX XXXX XXXX. My loan started with XXXX XXXX XXXX and was bought later by XXXX XXXX XXXX in XX/XX/XXXX and is currently with XXXX since XX/XX/XXXX. I contacted the treasury department of XXXX XXXX and was able to confirm that the fall XXXX tax was not paid during closing and was paid later by XXXX XXXX XXXX in XX/XX/XXXX. I spoke with XXXX XXXX from XXXX XXXX XXXX in XXXX, IN ( XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Phone : XXXX ) at the end of XX/XX/XXXX and she said she would look into it. XXXX XXXX confirmed in the beginning of XX/XX/XXXX that she " wasn't sure how this happened but that I would probably need to be refunded. '' She said they would probably have to pay the mortgage company directly. I stated either way was fine as long as it got to my escrow account. It is now the beginning of XXXX and I have left multiple emails and phone messages, as she hasn't responded since admitting the error. I am at a loss of what to do or how this kind of error goes unnoticed when they surely have to see extra funds if they are did not pay the tax or apply the amount to my escrow account.
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| 11/17/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I sent a wire transfer over on XX/XX/XXXX to Chicago title to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but Chicago title XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( XXXX XXXX ) deposited the money and then wire transferred the money directly to Chicago title for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) XXXX XXXX won't let me dispute a charge. Or let me have access to that account. XXXX
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| 08/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I submitted a document pertaining to a XXXX XXXX stating that XXXX XXXX would record a DEED that stated my name would be removed at the request of the loan company. XXXX XXXX stated that they could not locate that document. That document was presented to me in order to release my name from the Deed. The XXXX XXXX XXXX XXXX XXXX has instructed me to contact the escrow company that handled the sale of my property. I explained that I never sold my property or ever received a dime from the escrow company. This is what I was told, in XXXX of 2001 when I added XXXX XXXX as a Joint Tenant I was paid {$75000.00} and on the day that I removed my name from the DEED XX/XX/2001 I was paid {$170000.00}. I explained to the clerk that I only removed my name at the request of the loan company so my property could be refinanced. The amount of the loan was {$170000.00}. The clerk explained that XXXX XXXX would be able to explain the process. I took the DEED to XXXX XXXX and they assured me that the {$170000.00} was for a refinance, not a purchase. The refinance was used for the down payment of a property we were buying and XXXX XXXX released a check in the name of XXXX XXXX. XXXX XXXX has passed away with out a will. This information from the XXXX XXXX XXXX was unknown to me. What happened to the signed XXXX XXXX. What does XXXX XXXX know about the amount of money that the XXXX XXXX claims I was paid. I know I never sold my property or ever received any money from escrow.
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| 09/28/2020 |
Yes |
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Web |
Servicemember |
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The complaint is in reference to the title company : XXXX XXXX XXXX XXXX XXXX Texas , XXXX.
Our loan was set to disperse XX/XX/2020 and due to the negligence of the title company our pay off was not calculated correctly. The payoff was shorts funds to pay off the loan entirely. The original lender reached out and spoke to the title company advising them it was short and that they needed to contact us and see how we wanted to proceed in paying the difference. We never heard from XXXX XXXX XXXX. The original lender emailed my husband on XX/XX/XXXX advising that the payoff was short and requested how we would like to proceed. After checking documents and confirming that the payoff was not calculated properly we were now looking at additional fees due to XXXX XXXX not completing their work appropriately.
I have called XXXX XXXX ( XXXX ) numerous times and can not get in touch with a live person and have requested callbacks ; I have still yet to receive a callback. I have also sent emails ( XXXX ) requesting a call to discuss this error and request compensation and an explanation why we were not contacted and why our funding did not occur when it was scheduled. They have completely ignored and disregarded what has happened.
Having worked in the mortgage industry for many years this is absolutely unacceptable and should never have happened. The lack of responsiveness and following of procedures is appalling.
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| 12/02/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I received a respond from " XXXX XXXX '' who informed me that XXXX started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from XXXX and transferred to XXXX.
This information contradicts with all prior letters mailed to me by XXXX companies on XXXX XXXX letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that XXXX started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXXXXXX XXXX XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to XXXX on XX/XX/XXXX, as XXXX XXXX loan XXXX.
I demand to verify which " loan '' was " serviced '' by XXXX - XXXX or XXXX ; who appointed XXXX as a Servicer, with the name of the company and names and contact information for the individual employees who hired XXXX as their Servicer and issued directions to XXXX 's individual employees.
I demand to verify when exactly XXXX started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX?
Name of the Company who received money allegedly collected from me by XXXX.
Name of the Company who GRANTED and who released servicing rights were released from XXXX and transferred to XXXX and the name of an individual employee who released XXXX 's " servicing rights ''
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| 09/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have been approved for a mortgage, through underwriting and everything else, with two separate lenders. Both lenders indicated a willingness to close two weeks prior to the scheduled closing date. I am now 72 hours from the original closing date, and still have not received disclosures from either lender. The title company has expressed grief at having to perform the calculations twice. They already pressured me to choose a mortgage before I even know the price. Good grief!
Quick question : at what point should a consumer have the right to know the closing costs and monthly payment? How can a consumer comparison shop if disclosures are unavailable prior to closing?
Another question : why are deadlines based on the closing date? It would better for consumers if deadlines were based on application dates. A consumer should know approved or disapproved status within 45 days of submitting an application. A mortgage should never ever be considered APPROVED until the consumer APPROVES it. A consumer would obviously need to know the price prior to approval.
I ca n't believe 10 years later, and lenders still do n't have to disclose costs prior to closing. This process is ripe for misleading consumers, trapping them at the last minute. I guess some dirty tricks are just too profitable to stop.
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| 09/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Fraud Email asking for Wire Transfer for Closing on XXXX XXXX XXXX XXXX XXXX, AZ XXXX Home. In the Process of closing on buying a home the title company sent me an email when i called the title company they said it was not them and it was a fraud Email account. I have reached out to the FBI, FTC, XXXX, and the banks. XXXX XXXX and XXXX XXXX. XXXX XXXX has said they can't do anything unless reached out to XXXX XXXX and XXXX XXXX says it was approved on there end. I need help solving this issue. I really need this money back, I'm supposed to be closing on my house on Thursday.
This was the email.
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inbox XXXX XXXX XXXX XX/XX/2021, XXXX AM ( 4 days ago ) to me, XXXX Good Morning XXXX , Due to COVID-19, Your closing funds should be wired to our trust account today to avoid delay at closing, so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledge the receipt of this email, I will be busy with limited access to my phone you can send me an email if you need anything else.
Thank you!
Sincerely, XXXX XXXX XXXX Escrow Officer/Assistant Branch Manager Fidelity National Title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX Fax XXXX XXXX
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| 05/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My wife and I closed on a cash our refinance of our primary home on XX/XX/2022 with Fidelity National Title for a cash out amount of just over XXXX. At the time of closing we were told that we had a 3 day right to rescind because this is our primary home and the home was paid off so the funding date would be XX/XX/2022. The title company told me that the transaction was to be completed in full on the XXXX but that did not happen. I contacted the title company today XX/XX/2022 to get an update on where the fund were and the receptionist I spoke with told me that he could see a request had been made but there was no confirmation. He called me back an hour later and told me that they now had confirmation and the funds should be available later today. I have worked in the financial industry for some time and know how the process works with funding of mortgages and the process was not followed in this instance as the XXXX cut off was missed, an extension was not granted or completed in allotted time, and I was not alerted to any issues that had come up. I know there are many companies in the industry that toe the line to ensure profits are as high as possible but had I not reached out to them there is no telling how long they may have taken to process the mortgage.
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| 06/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
Servicemember |
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We purchased a home in XX/XX/XXXX ( XXXX ) - which was previously a short sale. All liens were supposed to be released by the title company XXXX ( now owned by Fidelity Title Co ). When we refinanced in XX/XX/XXXX we found out that the liens had NOT been released and that XXXX liens totalled {$1.00} mio. ( # XXXX lien : XXXX, # XXXX lien : XXXX, # XXXX lien : XXXX mio ). We were able to clarify the XXXX smaller liens but the largest liens has not been removed. The lien holder will not release this lien as the previous owner owes still so much money that they have not much else to leverage and therefore want to hold on to our home. XXXX/Fidelity Title has refused to take any action as we have officially not sustained any " damages ''. Recently, the lien holder threatened to foreclose on our house. While the title company assures us that we are insured in the amount of the purchase price ( what about the equity that we have built up in the mean time? ), it is very disturbing that they have not released the lien when it was supposed to be released. This now, threatens our family to lose their home with no fault of their own. I am horrofied. Whenever you purchase a home, please make sure that all previous liens have been properly released.
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| 08/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I understand that I can not file a second complaint about the same problem, but I was told to contact XXXX XXXX to explain the two documents that were filed one in XX/XX/2001 when I added XXXX XXXX as a Joint Tenant. The Recorders Office of XXXX XXXX XXXX County claimed that XXXX XXXX would have a record showing I received {$75000.00} from XXXX XXXX when he became a Joint Tenant. Escrow No. XXXX XXXX Order No. XXXX. Also as I stated before my property XXXX XXXX XXXX XXXX. in XXXX, CA. was refinanced for {$170000.00}. That Deed was for the refinance in XX/XX/2001 to purchase a second property. The XXXX Recorders Office claims thats the amount I was paid and that XXXX XXXX would have a record of that. This was not a gift, nowhere does any document state that I sold my property. I was lead to believe that I was removing my name at the request of the loan company. I fully understand that XXXX XXXX is not responsible for this fraudulant act against me but does XXXX XXXX have a record that I received the amount of money that is claimed by the Recorders Office. Please help me, my partner XXXX XXXX passed away with out a will and the down payment for the second property came from the refinancing of my home
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| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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As part of a home loan refinance closing in early XXXX, the closing agency sent a payment amount of {$140000.00} to XXXX as a payoff for student loans. This payment included an overpayment of {$390.00} that was returned to the closing agency in XXXX. On XX/XX/XXXX, I reached out XXXX XXXX XXXX and Fidelity National Financial to clarify the payment amounts and confirm that the overpayment should be sent to me. On XX/XX/XXXX, I was told that this overage amount would be refunded to me " via XXXX tomorrow. '' On XX/XX/XXXX, I contacted XXXX XXXX and Fidelity National Financial as these funds still hadn't been received and I was told that the funds had been sent and they were trying to locate a tracking number. No tracking information was ever given. On XX/XX/XXXX, I spoke with Fidelity National Financial and was told that the initial check would be cancelled and a new payment would be issued, and I was given a tracking number with an estimated delivery date of XXXX XXXX. On XX/XX/XXXX, the check hadn't arrived, and I contacted Fidelity National Financial to ask how they would like to proceed, but have yet to receive a response. As of XX/XX/XXXX, this still overage check still hasn't been received.
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| 06/25/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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The title company that handled a refinancing on my property was Fidelity. The Deed of Trust has a recording issue because it was forged and is void. A claim was filed against the title insurance by someone. Fidelity is being evasive by surpressing information. I trying to shed light on the situation by getting a copy of the claim. Fidelity is only turning over the policy initiation documents from XXXX and not the claim documentation from XXXX. What are your suggestions? What government agency governs Title Companies?
Sent from XXXX Mail for XXXX -- -- Begin Forwarded Message -- -- From : XXXXXXXXXXXX : XX/XX/XXXX, XXXXTo : XXXX XXXXSubject : RE : subpoenaMorning XXXX XXXX, I sympathize with your request but, we have sent you everything that we have on this matter ( see enclosed ). We may not have handled the claim aspect you are interested in. Reserving us will be a waste of effort and we may send you the exact same material. I see other vendors involved on this matter. I suggest that you check with the banks, or XXXX Escrow Company on this matter. Perhaps if you go through the docs, see who else was involved, and serve them.
Best of luck, XXXX XXXX
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| 07/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Reopen case XXXX and XXXX. Fidelity did not send me a response to my letter of inquiry directly. I discovered their answer on the CFPB website. The answers furnished by XXXX XXXX to my six questions are incomplete. Their company has no grounds to not honor their policy as there was no " purchase. '' The company is obligated to honor the policy as XXXX XXXX ( My former name ) and the XXXX XXXX XXXX XXXX as it is me. This company through XXXX XXXX XXXX failed in their fiduciary responsibility to disclose the trust and trustee ( question 3 ) or the financial asset account number generated from the sale of my securitized 2005 note. XXXX XXXX asserts she has no knowledge of any trust? XXXX XXXX claims Fidelity has no responsibility for the actions of XXXX XXXX XXXX yet answers for them. Fidelity, XXXX and XXXX XXXX XXXX used the XXXX system to hide the trust and financial asset they created which still remains undisclosed to me. XXXX XXXX lacks standing and XXXX XXXX never gave me a loan but they got paid three times over and beyond on the sale of the securitized instrument governed by XXXX and mistakenly tied to the collateral my property XXXX XXXX XXXX.
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| 08/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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I bought a newly constructed home. My lender stated that a " XXXX XXXX '' title insurance was sufficient for their needs and they wanted a clear title without exceptions. My seller complied with Oregon Homeowner Protection Act ( HPA ) by providing me a " XXXX '' title and maintaining a bond around mechanics ' liens. However, my title company insisted that I buy " XXXX '' insurance in order to provide lender a title without mechanics ' lien exception, which ended up costing me {$880.00} more compared to " XXXX ''. They said whether the seller maintains a bond is immaterial and I need to pay them the extra premium to remove the exception and get my lender a clear title. To me, it felt unfair because my seller has already de-risked buyer/lender against the risk of mechanics ' lien by complying with HPA. The title company bore XXXX risk while collecting {$880.00} additional premium. My seller selected the title company and I had to close on time, so I agreed to paying the extra premium but I felt strong-armed. It feels unfair at best and illegal at worst that I had to pay {$880.00} extra to my Title company to cover a non-existent risk.
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| 12/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I'm in the process of buying a house. On XXXX XXXX I signed a contract with XXXX XXXX company in XXXX XXXX, VA. They were to do the title search then notify my mortgage broker when I was " clear to close ''. I received my " clear to close '' on XXXX XXXX from XXXX XXXX XXXX XXXX. My closing date was scheduled XXXX XXXX, XXXX. On XXXX, I was notified that the seller had a paid off home improvement loan that was taken out in XXXX that never had a " release of loan '', therefore my closing has been delayed. I have now lost 20 hours of time and a half pay that I could have earned but turned down hoping to close on this house. I am already paying the utilities on the house as of XXXX XXXX to prevent any disruption in service and to protect pipes in the event temperatures drop. I feel the lender to the seller has not followed their commitment to the seller and my title company should have found this prior to the day before my closing. I will end up losing more earned income when all is said and done to rearrange my schedule as a XXXX which is not an easy task. I look forward to hearing back from your agency.
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| 01/10/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello My name is XXXX XXXX we are trying to get a lien satisfaction letter from XXXX XXXX XXXX on our property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX we have the title but the deed keeps coming up with a lien on for XXXX XXXX XXXX XXXXXXXX is the trustee but they say they dont keep records which I thought by CA law trustees were liable to keep records, very little communication from XXXX XXXX XXXX XXXX The info for XXXXXXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their phone # XXXX and XXXX our condo is siting in escrow with them going on 2 months now, escrow officer is XXXX XXXX. The date recorded was XXXX XXXX Doc # XXXX we are confident the lien has been satisfied or the property would of been put into foreclosure, thats why we feel the trustee XXXX XXXX should have the records and should be responsible and they are no help at all thats why I find it important to file a complaint for some help, we have a buyer we are trying to keep.please dont hesitate to let me know if you need more info I would be glad to supply if I have it.
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| 08/07/2021 |
Yes |
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Web |
Older American, Servicemember |
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In XX/XX/2020 I closed on a VA loan. Near as I can tell, the Escrow and Title company was ServiceLink Title Company of XXXX, LLC.
This company now appears to be defunct?
The problem began when ServiceLink Title Company of XXXX, LLC failed to do due diligence regarding the delinquent taxes that were owed on the property prior to closing.
It seems to me that there would be a conflict of interest having the Escrow and Title Company being one in the same?
This mistake should have been covered by errors and omissions insurance which the Title Company is required to have.
As such, there were delinquent taxes due on the property at the time of closing in the amount of {$1500.00}.
These delinquent taxes snowballed and with late fees and assessments, the amount owed kept growing.
I have spoken and corresponded with the parent company of the now defunct ServiceLink Title Company of XXXX, LLC.
Although they seemed to be helpful initially, they will not respond anymore to my repeated emails. I have kept a record of all correspondence.
Thank you, XXXX
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| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2018, I was contacted by Chicago Title because two real estate transactions, both selling my home and purchasing a new home was taking place the next day on XX/XX/XXXX. Chicago Title failed to discover a lien on my property from XXXX XXXX, a bank I had a 2nd mortgage with prior. During a Chapter XXXX Bankruptcy, some 8 years before, the debt was discharged but the lien remained. Chicago Title came up with a solution to their oversight and that was to hold back $ XXXX from the sale of my property, which remains in escrow today, almost a year later. They also had me sign a performance lien and attached it to my new property. As you can see from the attached document, they had me sign it the night before closing and I had no time to review with anyone and was told I had to sign or face multiple lawsuits from my buyer and my seller. I felt I signed under duress and felt it should have been Chicago Title 's professional responsibility to discover this lien earlier. If you click on the hyperlink on the document, you will see the performance lien.
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| 04/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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Wow where do I start. My closing was over 3.5 hours ago and Chicago Title is unwilling to provide me with my Federal Reference # for a very large wire from the sale of my home. I can not believe they are in a fiduciary capacity. The closing agent ( Chicago Title ) supposedly sent the wire over three hours ago but the wire is still supposedly processing.
I was put on hold multiple times for a very long time, after being told only the accounting department can provide Federal Reference # s. Ironically, the hold music talks about the dangers of wire fraud for home buyers and sellers and how you need to be extremely vigilant after a wire has been sent.
I still don't have any confirmation the funds were sent and the buyer was given the keys to the house three hours ago.
The company said things such as you're not our customer; were not a bank when trying to explain why they couldn't provide proof the wire was initiated, and then told me to [ expletive ] off and hung up.
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| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/2021 I started to buy my first home. My offer on XXXX XXXX XXXX Fl was excepted and I started all the process of Appraisal, Inspection and survey. All required and I PAID FOR for my FHA Loan. My 1s Appraisal the seller agent tried very hard to get me to drop out because he had a cash buyer. I would do that. And he constantly kept trying. I had the survey done ( I PAID FOR ) done but Fidelity Title Company XXXX fl took upon themselves to give my survey ( I paid for ) to the seller agent and NOT to me, my realitor ( XXXX XXXX and her broker XXXX ). or to XXXX XXXX ( where I was getting my loan through ). This was done WITHOUT MY PERMISSION. Through all this I had to seek counsel from XXXX XXXX. A added financial burden that should have not had to happen. I personally feel ALL those involved in this ILLEGAL & UNPROFESSIONAL ACTIVITY should be accountable. I also feel the seller agent and broker needs to be held accountable for their UNPROFESSIONAL action.
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| 05/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX, Chicago Title company, in the process of maintaining and closing the escrow for a real estate transaction, tries to make the buyer pay for the " Owner 's title insurance ''. This insurance is clearly optional per CPFB. When the buyer asks the escrow to remove the owner 's title insurance, Chicago Title company threatens to over charge the consumer a " title search fee '' of XXXX, where the national average is around XXXX or slightly higher ( still < XXXX and when the buyer is paying for around XXXX for the lender 's title insurance policy already. This action / behavior is clearly out of the line, is unfair practice, and significantly in some sense forces the buyer to opt for buying the owner 's title insurance.
Also, the title company calls buyer 's valid questions as " non sense '', and does not seem to remain neutral during the processing of the escrow. My spouse is infuriated when title company 's comments/emails were sent and viewed.
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| 12/01/2023 |
Yes |
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- Trouble during payment process
- Payment process
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Web |
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I hold a Mortgage for my primary residence with XXXX a subsidiary of XXXX lending a Fidelity National Financial company.
last week the parent company announced a ransomware attack and promptly shut down their systems. The company did not notify it's customers for 5 days after the incident and closed their phone lines, with no way to contact the company.
I always make my payments within the 30 day window but the incident has pushed my payment window beyond into delinquency.
I made multiple attempts daily from XXXX to reach the company by phone and website with no progress or response.
I'm filing this complaint in an effort to protect myself and others affected from negative credit reporting.
The website appears to be online today XXXX but I do not trust their systems are safe, but I still can not reach customer service by phone.
This is company needs to do a much better job of communicating and protecting their millions of customers.
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| 03/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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We recently bid on a foreclosed property on XXXX and won the auction. Upon completion we received information from XXXX to wire the earnest money to Service Link Title company. We did so on XX/XX/2021. A few days later we received notification the the title company handling the closing had changed to XXXX. This company sent us a different Title company ( vender ) to wire the earnest money to. XXXX sent an email stating that Service Link would be rejecting our wire transfer over a week and a half ago. I contacted Service Link on Thursday XX/XX/XXXX and they stated the funds were sent and would take a couple of days to process. They have been in possession of our funds for a month and have made no attempt to return them. We are past due for sending the earnest money to the corrected title company and Service Link is holding up the closing process for our new home. XXXX has all of the details regarding this transaction.
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| 11/29/2023 |
Yes |
- Mortgage
- Manufactured home loan
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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|
Web |
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On XX/XX/XXXX I attempted to access the online payment portal to view the due date for my mortgage payment. The website was not loading, and I tried opening it on multiple different browsers. I tried again the next day and had the same issues. I tried again on XX/XX/XXXX and decided to email the company 's ( XXXX ) customer support. I received an automated email back that said : " No-reply response This email is longer being monitored. If you are a customer, please log into our website and submit you request using self-service options. The website was still inoperable, and I had no other way to contact the company as it was now outside their business hours. The next day XX/XX/XXXX, I researched online to find that MANY people are experiencing issues with their website and unable to pay their mortgages on time. I have no idea when my mortgage payment is due and am unable to contact the company to get any answers.
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| 03/04/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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XX/XX/2021 I got an email from a senior escrow officer from Chicago Title and Loan at XXXX and 2 days before I closed on a Chicago condo and 10 minutes after my attorney emailed me to tell me I would need to wire money to the escrow office at Chicago Title. 2.5 hours after I received the first escrow officers email a second email officer emailed me. I didn't get these emails until XXXX because I was busy at work. Seeing two escrow officers I thought it was weird. Then I took a recommended class of fraud that the 2nd officer had sent. This warned about fraud. I became more suspicious and investigate the 1st escrow officer email thoroughly. Though it was from a person that worked at Chicago Title and Loan, the email they were asking me to respond to was " XXXX ''. The misspelling made me realize it was probably a fraud. This was later confirmed during the signing of my closing paperwork ( XX/XX/2021 )
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| 04/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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The response from the title company is not correct. The lender did NOT instruct them to hold my money for 3.5 years. Additionally, since they are responsible for paying the taxes, they should know after a reasonable amount of time ( 3-5 months ) that the check was not cashed ( show me proof of a check that was generated and mailed to the state treasurer. ) I attached the record and you can see no payment was received when due in XX/XX/XXXX until XXXX of XXXX ( when XXXX my lender made the payment to catch up back taxes ). this caused my escrow to go negative and my monthly payment to go up to replenish my escrow.
I demand some resolution for damages. There is no excuse to keep my funds that long I would like accounting from the title company that was obviously caught in an audit. There are monthly and annual audits this should have been addressed years ago!
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| 10/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I agreed to purchase the property located at XXXX XXXX XXXX, MO XXXX. However, the property was flooded, which resulted in extensive damages. During the repairs, asbestos material was discovered in the property, which resulted in extensive repairs - nearly {>= $1,000,000}. Before the repairs were completed, and the exact dollar amount for the repairs not known, I asked the sellers to extend the due diligence period so that we can further evaluate the property. The sellers refused any extension and stated they like to cancel instead, so that the deal was canceled within the due diligence period. I spent over {$6000.00} interest on the funds I was able to secure in order to purchase the property. The title company now refusing to return my earnest money. I want the earnest money returned with additional {$6000.00} for the interest expense.
|
| 08/12/2020 |
Yes |
- Mortgage
- Other type of mortgage
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|
|
Web |
Servicemember |
|
1. In spite of numerous reminders of a down payment involved of the House in Escrow of XXXX, the Officer XXXX XXXX failed/refuse to implement the down payment of House bought prior to Marriage as a part of Escrow distribution of funds.
2. The Escrow officer XXXX XXXX was reminded of such down payment again again up the the date of Escrow closure, yet today when she was asked of such reimbursement, she feigned ignorance.
3. The Escrow officer XXXX XXXX violated the Law of Down Payment of House bought prior to Marriage, as deferred responsibilities to lawyers.
4. The Escrow officer also failed to include expenses incurred to update the house sale, with clear presentations of Receipts of expenses that the Realtor XXXX XXXX is fully aware of such expenses as the realtor XXXX XXXX was the one who recommended the Handyman employee.
|
| 12/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
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|
Web |
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Files several complaints with this company Fidelity National Title sad they dont wan na admit there own error that I had to fix out of my own pocket as of today XXXX XXXX XXXX I have not received any payment form the company for reembusrment and athey will not work with me. I will be working with you the CFPB and going through Court and Corporate to get the rest of my money. The bill will just keep getting higher becasue they will be paying my leagal fees and I will have to supena the supervisors at XXXX XXXX and other companys to fly in and testify that they all agree that Fidelitey Title dropped the ball. I already subbmitted the emails from them stateing it was there error. They are surely not makeing a good representation for themselve very p [ oor work ethic and basically stealing money and lying to the costomers.
|
| 04/06/2017 |
Yes |
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- Application, originator, mortgage broker
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|
Web |
|
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Title company Fidelity National Title Insurance/XXXX appointed by XXXX failed to provide clear title or inform me of title issues by the time I purchased my property XXXX NY XXXX. XXXX failed in it 's fuduciary responsibility to be a neutral party ( Trustee or Benficiary ) to inform me of changes made to legal title and what appears to be a ficticious forclosure or property abandonment whereby XXXX self assigned themselves to create a new mortgage lien. My property has a clouded title whereby it appears that XXXX entities XXXX has a lien and XXXX also had or has a lien. I have had no dealings with eithor of them, so it appears that these were somehow attached to my property in the XXXX County land and Court records.. This complaint is in relation to previous complaints I have made with CFPB on XXXX and XXXX .
|
| 11/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
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Hi, I am not sure where to begin. I closed on my house in XXXX 2014. Unfortunately, my real estate taxes were not calculated correctly on my HUD. I just received word that I owe all of 2014 taxes even though I only live in the house for 45 days in 2014. My bank sent a mailing stating that I owe approximately {$10000.00} for all of 2014. I went back to the title company and the company that owned the home before and XXXX are telling me that it is not their fault. I did not understand the HUD well enough to figure out what was happing. I do n't have the money to pay and do n't know where to turn. I am still shaken how unethical the selling company is being. They did not pay their taxes in 2014. I am trying to avoid reaching out to an attorney due to the expense. Is there any help you can provide?
|
| 11/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
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|
Web |
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XXXX XXXX XXXX XXXX came back saying that I didnt have title insurace i Paid {$600.00} it was documented they lied about this saying I didnt have any. Furthermore they said I received {$84.00} check I never did get any check like that please have them send copy to me there is no and satisfaction letter was not discharge of mortage The Court did not accept this The Court said that they did not d this properly. XXXX XXXX agrees this was their mistake and didnt do it properly. How can they get away with lying like this this is so wrong. There was a lien left on my property. They did not do the title work properly. Will be faxing the documents showing all this too big they wont let me attached files called the CFPB and they said just to fax it and send with complian number so I will be doing that.
|
| 05/17/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
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XXXX XXXX XXXX XXXX ak a fnf servicing inc misapplied a large payment in XXXX I sent {$15000.00} which was by cashiers check I clearly denoted that XXXX of the total amount was to be applied to a balloon due X/X/2017 I also included a letter with the same instructions the bal was to normal principal of the loan per my instruction my loan number is XXXX this company did not apply payments to the loan correctly as I recd a bill for the balloon installment dated X/X/2017 also fnf servicing refuses to provide payoff information without a written request to the borrower causing significant delay and interest to be charged this is not acceptable when anyone is trying to payoff a loan and has borrowered money elsewhere to do so no one needs to pay interest to XXXX lenders
|
| 05/31/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
|
|
in 2004 my ex husband sold our family home the loan was obtained by fraud .lapd documents and court papers to substantiate the claim chicago title were the insurance company and after 3 years of court i was given the home back as my own property as well as a judgement for XXXX from chicago title at that point chicago title had me agree with a balloon payment for XXXX under duress chicago title had me agreeing to a 5 year balloon payment, instead of going after my ex husband the perpertrator then in 5 years one of the lawyers for chicago title made an agreement for XXXX payment for back property taxes in exchange for deed, now at this point a rental agreement for the property, i have paid over 90000.00 and facing an eviction and have been made an offer to by my home for the XXXX
|
| 02/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
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Does Chicago Title have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX YES or NO If Chicago Title does have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please send me a copy of the title policy via the CFPB website so we can conclude our involvement with the CFPB and move on.
If Chicago Title does not have a title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please let me know so I can take corrective measures.
The matter will be resolved once I receive a copy of the aforementioned title policy until I receive a copy of the title policy or get advised that there never was a title policy the matter will remain open. I have had more than enough and now need to escalate the matter.
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX FNF Servicing pulled my credit. I did not authorize this. They are part of XXXX which holds my ex husband 's mortgage which was included in a Bankruptcy in XXXX. They purchased the mortgage from XXXX XXXX. The mortgage was never foreclosed on because we had continued to pay. The mortgage was purchased by 4 different companies since XXXX. When XXXX purchased this, they started reporting on my credit report which is illegal because the debt was already discharged. Then in XXXX, they pulled my credit without my approval. I contacted them to correct both the credit reporting of payments and the pulling of my credit. They removed the payment reporting but not the hard inquiry off my report.
|
| 12/10/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
FRAUD WAS ADMITTED TO BY XXXX. THIS IS AFTER XXXX XXXX AND I WERE MADE TO DO HANDWRITTING TEST. TE WENT TO XXXX XXXX POLICE DEPARTMENT TO HAVE IT DOCUMENTED, BECAUSE WE DON'T TRUST XXXX. XXXX REPORT WAS MADE.
I CALLED FOR A COPY OF XXXX XXXX ' HANDWRITING TEST, AND XXXX TOLD ME NO, THAT IS THEIRS, FOR INTERNAL USE.
WE WERE ASKED TO DO THE TEST A 2ND TIME. I DID BUT DO TO THE FOLLOWING, XXXX SAID, MAN XXXX EXPLATIVE.
THAT NOTARY BROAD IS ABOVE EVEN BEING ASKED. PREDJUDICE XXXX XXXX XXXX ( EXPLATIVE ).
I DID THE 2ND HANDWRITTING TEST IN POLICE STATION.
WHAT XXXX AND I DID WAS SEE XXXX XXXXXXXX XXXX BEAUTIFUL PENMANSHIP WAS EXACTLY THE SAME AS THE FORGED DOCUMENTS.
|
| 08/14/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
Back on 2005, We refinanced our home loan with XXXX XXXX, and Fidelity NationalTitle Group was our title company, and we never got the HUD statement at the time of closing and when we finally received a copy of the HUD1, and disbursement ledger it shows with out our signatures and also it reflects that the sum of {$51000.00} as paid to us from the closings preceeds. We have not recollection of ever receiving or negotiating a check in this amount from Fidelity National, and the reason that I 'm filling a complaint is because Fidelity and XXXX XXXX wo n't help.
I respectfully request a invesigation into this matter and demand a proof where the funds are. Please help me!
|
| 08/13/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
FORECLOSURE FRAUD : Disputed the amount owned on maintenance fees for Timeshare Property with XXXX XXXX. Sent numerous emails and received no response addressing my query on the outstanding balance.
Apparently my property had been foreclosed on without my proper notification or opportunity to resolve.
To date do not have access to my property nor any indication of the status.
Have been trying to contact XXXX XXXX who have directed me to Fidelity National.
Fidelity National in return have directed me back to XXXX XXXX.
Despite my many attempts to resolve, expressing my dispute on the amount owned, I have received feedback, notification, or information.
|
| 12/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
Several years ago we refinance our home using Fidelity Title Company in XXXX CA, we paid a courier fee of {$75.00} but we did not use them, we picked up our documents directly from them, they said they would refund the money but never did.
recently there was a lawsuit against them on this very same issue however we have heard no further communication from the law firm or the court on this matter.
We did communicate to Fidelity but we are not even sure which department to talk to or our reference number or other ID number and this is what they asked for.
So we like at least our {$75.00} back or the law suite settlement money which ever is greater.
|
| 03/15/2021 |
Yes |
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|
Web |
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We refinanced a loan in XXXX with XXXX XXXX. The Title company at the time was XXXX XXXX XXXX. We received a clear title and was able to close the loan. We are in the middle of refinancing and on the day we were going to sign the closing documents, the current Title company said their is an outstanding lien from XXXX. This was not reported to us in XXXX, otherwise we would not have been able to close that loan. I have been in contact with XXXX and they claim they have no duty to us to solve this issue. We are going to lose a loan that would be saving XXXX $ XXXX because of the mistake made by XXXX in XXXX.
|
| 01/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
We have sold our house. The Escrow company has been paid. They closed and recorded all appropriate documents per docs. sent to me and my spouse. Since closing on and settlement date of XX/XX/18, the Escrow company has been holding the amount of XXXX for a debt they can not prove. We have tried repeatedly to find out what this supposed debt is as we have never re moved a bill or statement of any debt to any debtor for this amount. Today, the response from escrow was to hang up on me. In returning the call, I was given to someone that told me " upper management will call you when she arrives at XXXX. PST.
|
| 11/29/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
Per XXXX, Fidelity National Financial apparently had a cyber attack a week or so ago so they shut down all systems ( including subsidiaries ) for security reasons which in turn is preventing any customer to access any of their services until the issue is resolved. The main issue is there have not been any notices sent to ANY customer that I have been able to find including myself. I have been trying to call in and access the website for over a week and am unable to get any sort of response as it seems all systems are down with no reported XXXX for correction.
|
| 05/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of Fidelity National Law Group, assignee to XXXX Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?
|
| 12/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I received a response from Chicago Title and did not receive what I requested. Chicago Title sent me back a copy of the mortgage I picked up from the Chicago Title XXXX N.J. Office. The title policy legal description is no where near the same as the deed location. I HAVE REQUESTED AND NEED A COPY OF A VALID CHICAGO TITLE POLICY THAT IS INSURED BY CHICAGO TITLE. I certainly don't need a copy of what I had emailed them from the beginning.
Please send me the Title Policy that is insured by Chicago Title for XXXX XXXX XXXX XXXX, N.J. XXXX
|
| 10/06/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
Sold a house in XXXX in 2007. At/after closing, paid off mortgage and home equity loan. Moved to XXXX. About 5 years later, I was contacted by an unknown company to me, Fidelity National Title Insurance Company. They are suing me and my ex-wife, claiming we did n't pay our home equity loan. I 've sent this company, the court and the judge our home equity loan certificate of satisfaction, stating the loan was satisfied on XXXX/XXXX/2007. But, the judge wo n't throw it out, even though I submitted the letter. I do n't know what to do.
|
| 01/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We are currently buying a home - scheduled to close XX/XX/2017. Someone falsified the Title Company ( XXXX XXXX ) email requesting a wire transfer and sent us an amount {$100000.00} and bank information for the closing cost. I initiated the wire based on this email. It was discovered today XX/XX/2017 after business house that the email we received was fraudulent. The funds have been wired from our account and no one is available at the title company or the bank fraud department until Monday.
|
| 02/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We sold our home on XX/XX/2021. We closed with the attorneys present. The title was presented as clear and was fully transferred at the time of closing. Additionally, the loan was paid off at time of closing as was required. We received confirmation from the lender ( XXXX XXXX ) on XX/XX/2021 that the relevant loan ( # XXXX ) was paid off. We recently received a letter from the Chicago Title Insurance Company stating that we owe them {$22000.00} from a debt associated with the loan.
|
| 12/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
My home mortgage is through Fidelity National Financial, and their XXXX site has been down all week ( I've been trying to access the site since Monday, XX/XX/2023 ). Their website is the only way to make my monthly mortgage payments. I have a payment due tomorrow ( XX/XX/2023 ), and no way to make the payment.
From what I've been reading, they received a cyberattack and shut down their site for a couple of weeks now. I have received no communication from the company.
|
| 07/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have money form my property that was sent to the state of Illinois as unclaimed and Chicago Title sent the money to the state and placed mistakenly placed another company on the check. I have tried for two months to get this resolved and Chicago Title will not sign the documents releasing the funds with out me having a form notarized which does not require a Notary, therefore no notary will sign the form.
|
| 10/06/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
I AM REQUESTING ALL DOCUMENTATION PERTAINING TO THE FOLLOWING COMMERICAL PROPERTIES. THIS INCLUDES COPIES OF DEEDS, CORRESPONDENCE WITH AGENCY OWNER, ANY EVIDENCE REGARDING BLDG PURCHASE SUBMITTED BY XXXX XXXX, AGENCIES NAMES XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT AND BONDING XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX, XXXX XXXX, XXXX GA XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX GA XXXX
|
| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have only received the Chicago title binder XXXX I need a copy of the actual commitment to title that was filed with the County of XXXX and approved by XXXX XXXX XXXX XXXX so they could issued my XXXX XXXX XXXX XXXX, N.J. XXXX mortgage.
If the Chicago Title Insurance policy was recalled, cancelled, voided or otherwise discontinued please notify of the circumstances and date.
|
| 11/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
My mortgage loan service provider : https : //www.myloancare.com/ has been down for over a week. All calls to their customer service go unanswered.
I need to make my mortgage payment but their is no information on how to do that.
The phone payment option is not working either.
URL : https : XXXX XXXX XXXX XXXX XXXX XXXX Lot of users have the same issue : https : XXXX
|
| 02/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
JUST RE-SEND THE CHICAGO TITLE POLICY I PAID FOR WHEN I BOUGHT THE HOUSE IN 1999 VIA THE CFPB WEBSITE. Chicago has marked my request as duplicate without sending the requested title policy via the CFPB website. This complaint is unanswered!! If I need to re-open a new complaint I will in order to get a copy of the title policy I bought with the house in 1999.
|
| 08/13/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Disputed amount owing on Timeshare maintenance fees. Requested clarification of amount for purpose of settling debt. Despite numerous attempts to contact via email, the issue remains unresolved. Apparently my property was foreclosed on without my proper notification or opportunity to settle outstanding amount.
|
| 10/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I AM REQUESTING ALL DOCUMENTATION REGARDING THE CANCELLATION OF DEED ON XX/XX/XXXXPERTAINING TO XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS IS NOT A DUPLICATE REQUEST, PREVIOUS CANCELLATION UPLOADED HAS A DATE OF XXXX, PLEASE NOTE BOTH AS ASSOCIATED WITH FRADULUENT LOANS.
|
| 10/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
WE ARE REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE FOLLOWING PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PLEASE NOTE THE ATTORNEY XXXX XXXX XXXX XXXX XXXX TO SIGN, DUE TO HIS INVESTIGATION.INDICTMENT ISSUE HIS ASSISTANT XXXX XXXX SIGNED
|
| 06/05/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX has been collecting payments since the origination of the note 2005 XXXX XXXX does not have signed account servicing agreement for them to service XXXX XXXX is owned by Fidelity Title Fidelity Title owns XXXX XXXX That creates a conflict of interest
|
| 05/15/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company sent letters about delinquent account after approving the loan for forebearance.
A letter was sent to us saying that immediate action will be taken if we do't pay the loan that they informed us they had placed in forbearance due to COVID 19
|
| 12/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We closed on a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 1999. It has been brought to our attention that we were given false Title Insurance Papers fromFidelity National Title Insurance . They did not do a title search on property .
|
| 07/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I had to ask to receive final numbers on selling my house and only received the title company Settlement Statement on XX/XX/17 for a closing that was to take place on XX/XX/17. I never received the Closing Disclosure throughout the entire process.
|
| 12/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Fidelity National Title is illegally holding on to {$4700.00} in property taxes by loan servicer paid XX/XX/2020 prior to closing on XX/XX/2020. IN additional they are illegally holding hostage an exorbitant " pad '' in the amount of {$4600.00}.
|
| 05/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
XXXX of texas was the closing title company. I signed my loan documents on XX/XX/2021 and still the loan is not closed. XXXX XXXX says they never received payment. XXXX says they sent the money. I am already due for my loan payment
|
| 12/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Service link did my deed and XXXX In XX/XX/2019 and I would like to get a copy of all the signed paperwork. I need all agreements for XXXX XXXX XXXX and XXXX and the information of the Notary used to come to my house.
|
| 08/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Fidelity National Title Agency is charging {$2300.00} in " late fees '' when I have not paid late. Fidelity has told me over the phone, that even though the late fee issue was not my fault, they will not remove the fees.
|
| 09/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
We received a letter from Chicago Title Company, XXXX, NE, regarding a debt to some 'unnamed ' mortgage company. ( See attachment ). We 've asked CTC to provide specific data related to their claim.
|
| 12/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Loan Servicer Paid property taxes. However, Title Company will not release funds. Escrow and Title Company should be sanctioned and interest included for improperly withholding funds unnecessarily.
|
| 12/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have requested that Chicago Title provide me a copy of the Chicago Title policy on file so I can sell my house. It has been over a month and I have not received the requested information.
|
| 04/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
A title company repeatedly e-mailed me another person 's private financial information about their escrow account, property purchase, etc. This is a data privacy violation.
|
| 01/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American, Servicemember |
|
I was a Victim of Fraudulent activity With XXXX XXXX XXXX XXXX XXXX in the process of Real estate Transaction, FBI was involved Due to Real Estate Fraudulent Scheme.
|
| 12/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have been trying to verify my debt and am getting no response whatsoever to my enquiry.
|
| 01/07/2024 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Loan estimate or other related disclosures
|
|
Web |
Older American, Servicemember |
|
|
| 12/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
Servicemember |
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Older American, Servicemember |
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Older American, Servicemember |
|
|
| 05/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 02/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/24/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/04/2022 |
Yes |
|
|
|
Phone |
|
|
|
| 07/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
|
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
|
|
|
Phone |
|
|
|
| 07/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
|
|
|
| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 07/12/2019 |
Yes |
- Mortgage
- Reverse mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 04/27/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Postal mail |
|
|
|
| 03/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/31/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 08/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 03/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/12/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 02/06/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 02/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/21/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/19/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/18/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information that should be on the report is missing
|
|
Phone |
|
|
|
| 07/28/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 06/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 04/09/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/23/2017 |
Yes |
|
|
|
Postal mail |
|
|
|
| 03/02/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/01/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/21/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 02/09/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 02/03/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
Older American |
|
|
| 01/26/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
Older American |
|
|
| 01/19/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 01/11/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 01/04/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Servicemember |
|
|
| 01/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 12/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Servicemember |
|
|
| 11/22/2016 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 11/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/10/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 09/28/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/12/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 09/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
Older American |
|
|
| 08/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 08/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 08/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 08/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
Older American |
|
|
| 08/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
Older American |
|
|
| 08/31/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 08/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 07/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/16/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 04/15/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 03/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 03/04/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Fax |
Older American |
|
|
| 01/27/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
Older American |
|
|
| 01/15/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/07/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 11/30/2015 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 11/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Phone |
Older American |
|
|
| 11/02/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
Older American |
|
|
| 10/28/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/10/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/15/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 09/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/31/2015 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 07/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/17/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
Older American, Servicemember |
|
|
| 06/25/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/08/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 04/08/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 04/07/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/09/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 03/05/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 02/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/04/2015 |
Yes |
- Other financial service
- Refund anticipation check
|
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/31/2014 |
Yes |
- Mortgage
- Reverse mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/15/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Fax |
|
|
|
| 11/14/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 11/10/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/15/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 09/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/07/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/30/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 03/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/05/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/22/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 10/20/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/27/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 07/19/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 06/28/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/06/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 03/21/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 12/17/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/18/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 11/14/2012 |
Yes |
|
- Credit reporting company's investigation
- Problem with statement of dispute
|
|
Web |
|
|
|
| 10/31/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 10/01/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/28/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/14/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/09/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/17/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 06/13/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 06/04/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 05/15/2012 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|