| 12/03/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB, Please find my complaint against First American Title, part of First American Financial ( FAF ) XXXX, XXXX and XXXX XXXX who defraud home buyers with bogus Title insurances which XXXX XXXX ( a sham conduit for FAF and XXXX XXXX , owned by XXXX XXXX XXXX XXXX XXXX XXXX who owns several Title Companies, like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FAF and XXXX help XXXX XXXX Banks to operate a giant Ponzi Scheme with derivatives and massively defraud home buyers about the REAL nature of their transaction - secretive participation in fictitious securitization scheme without borrowers knowledge or consent, where XXXX XXXX Banks sell borrowers ' IDENTITIES on the open markets for about 12-184 profits - while pocket ALL so-called " mortgage payments '' and escrow money as their tax free revenue.
XXXX XXXX never inform home buyers about WHO will actually their " Title insurance '' company - because both FAF and XXXX know that Big Banks break every property Title in their fraudulent scheme - and of course are not going to compensate defrauded borrowers.
XXXX XXXX Bankers ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX - created a perfect scheme where it simply is incomprehensible to most people how they could get a loan and then not owe it. It is even more incomprehensible that there could be no creditor that could enforce any alleged obligation of the homeowner. After all, the homeowner signed a note which by itself creates an obligation.
Big Banks want to maintain this illusion as long as they can - and here why they need services of FAF and XXXX - whose subsidiaries XXXX XXXX XXXX XXXX and XXXX, XXXX prepare fictious " assignments '' about non-existing " sales '' in fraudulent foreclosures presented by lawyers who do not even know who hired them - XXXX and XXXX.
On an intuitive level, most people understand that they got screwed in what they thought was a lending process. But they don't know how because most people have no reason to know what happens in the world of investment banking.
But XXXX and FAF know exactly that really happened when most homeowners thought that they were closing a loan transaction. And they know that property TITLE will be broken and clouded. This is why XXXX XXXX XXXX or XXXX XXXX refuse to fulfill their obligation under the Policy they deceptively sold me. Because XXXX and XXXX XXXX are the part of the XXXX XXXX banks mob.
This is why XXXX XXXX and XXXX XXXX falsely claim that my " mortgage with XXXX XXXX is excluded from coverage. But I never had ANY mortgages with XXXX - ever.
My transaction on XX/XX/XXXX was not a loan, and XXXX XXXX was not a Lender.
My transaction was a payment to me by XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX who was the actual originator who passed me money for MY services to XXXX XXXX Investment Banks ; and who collects my repayment of my only compensation via XXXX agreement with XXXX/XXXX.
Neither XXXX, XXXX or XXXX never touched a cent from these money. They tell they do but it is a lie. All money are going straight to Big Banks as tax-free revenue for my involuntary servitude in their XXXX Scheme.
Every investment banker is merely a stockbroker. They do business with investors and other investment bankers. They do not do business with consumers who purchase goods and services or loans. The investment banker is generally not in the business of lending money. The investment banker is in the business of creating capital for new and existing businesses. They make their money by brokering transactions. They make the most money by brokering the sales of new securities including stocks and bonds.
The compensation received by the investment banker for brokering a transaction varied from as little as 1 % or 2 % to as much as 20 %. The difference is whether they were brokering the sale of existing securities or underwriting new securities. Obviously, they had a very large incentive to broker the sale of new securities for which they would receive 7 to 10 times the compensation of brokering the sale of existing securities.
But the Holy Grail of investment banking was devising some system in which the investment bank could issue a new security from a FICTIONAL entity and receive the entire proceeds of the offering. This is what happened in residential lending. And this way, they could receive 100 % of the offering instead of a brokerage commission.
By disconnecting the issuance of securities from the ownership of any perceived obligation from consumers, investment bankers put themselves in a position in which they could issue securities INDEFINITELY without limit and without regard to the amount of the transaction with consumers ( homeowners ) or investors.
In short, the goal was to make it appear as though loans have been securitized even know they had not been securitized. In order for any asset to have been securitized it would need to have been sold off in parts to investors. What we see in the residential market is that no such sale ever occurred. Under modern law, a sale consists of offer, acceptance, payment, and delivery. So neither the investment bank nor any of the investors to whom they had sold securities, ever received a conveyance of any right, title, or interest to any debt, note, or mortgage from a homeowner.
At the end of the day, the world was convinced that the homeowner had entered into a loan transaction while the investment banker had assured itself and its investors that it would be free from liability for violation of any lending laws as a lender.
Neither of them maintained a loan account receivable on their own ledgers even though the capital used to pay homeowners originated from banks who loaned money to investment bankers ( based upon sales of certificates to investors XXXX, which was then used to pay homeowners as little as possible from the pool of capital generated by the loans and certificate sales of mortgage-backed bonds.
From the perspective of the investment banker, payment was made to the homeowner in exchange for participation in creating the illusion of a loan transaction despite the fact that there was no lender and no loan account. This was covered up by having more intermediaries claim rights as servicers and the creation of payment histories that implied but never asserted the existence or establishment of a loan account. Of course, they would need to dodge any questions relating to the identification of a creditor. That could be no creditor if there was no loan account. This tactic avoided perjury.
Of course, this could only be accomplished through deceit. The consumer or homeowner, government regulators, and the world at large, would need to be convinced that the homeowner had entered into a secured loan transaction, even though no such thing had occurred. From the investment bankers perspective, they were paying the homeowner as little money as possible in order to create the foundation for their illusion.
By calling it securitization of loans and selling it that way, they were able to create the illusion successfully. They were able to maintain the illusion because only the investment bankers had the information that would show that there was no business entity that maintained a ledger entry showing ownership of any debt, note, or mortgage against which losses and gains could or would be posted in accordance with generally accepted accounting principles ( and law ). This is called asymmetry of information. In other words, a LIE.
Since the homeowner had asked for a loan and had received money, it never occurred to any homeowner that he/she was not being paid for a loan or loan documents, but rather was being paid for a service. In order for the transaction to be perceived as a loan obviously, the homeowner had to become obligated to repay the money that had been paid to the homeowner - which negated the consideration paid for the services rendered by the homeowner masqueraded as a " loan '' The initial sale of the initial certificates was only the beginning of an infinite supply of capital flowing to the investment bank who only had to pay off intermediaries to keep them in the fold. By virtue of the repeal of XXXX in XXXX, none of the certificates were regulated as securities ; so disclosure was a matter of proving fraud ( without any information ) in private actions rather than compliance with any statute. Further, the same investment banks were issuing and trading hedge contracts based upon the performance of the certificates as reported by the investment bank in its sole discretion.
It was a closed market, free from any free market forces. The theory under which XXXX XXXX, Fed XXXX, was operating was that free-market forces would make any necessary corrections, This blind assumption prevented any further analysis of the concealed business plan of the investment banks.
There was no free market. Neither homeowners nor investors knew what they were getting themselves into. And based upon the level of litigation that emerged after the crash of XXXX, it is safe to say that the investors and homeowners were deprived of any bargaining position ( because the main aspects for their transition were being misrepresented and concealed ), Both should have received substantially more compensation and would have bargained for it assuming they were willing to even enter into the transaction highly doubtful assumption.
The investment banks also purchased insurance contracts with extremely rare clauses basically awarding themselves payment for nonexistent losses upon their own declaration of an event relating to the performance of unregulated securities. So between the proceeds from the issuance of certificates and hedge contracts and the proceeds of insurance contracts investment bankers were generally able to generate at least {$12.00} for each {$1.00} that was paid to homeowners and around {$8.00} for each {$1.00} invested by investors in purchasing the certificates.
So the end result was that the investment banker was able to pay homeowners without any risk of loss on that transaction while at the same time generating capital or revenue far in excess of any payment to the homeowner. Were it not for the need for maintaining the illusion of a loan transaction, the investment banks couldve easily passed on the opportunity to enforce the obligation allegedly due from homeowners. They had already made their money.
There was no loss to be posted against any account on any ledger of any company if any homeowner decided not to pay the alleged obligation ( which was merely the return of the consideration paid for the homeowners services ). But that did not stop the investment banks from making claims for a bailout and making deals for loss sharing on loans they did not own and never owned. No such losses ever existed.
Investment bankers first started looking at the consumer lending market back in XXXX there was no bigger market in which they could participate. But there were huge obstacles in doing so. First of all none of them wanted the potential liability for violation of lending laws that had recently been passed on both local and Federal levels ( Truth in Lending Act et al. ) So they needed to avoid classification as a lender. They achieved this goal in 2 ways. First, they did not directly do business of any kind with any consumer or homeowner. They operated strictly through intermediaries that were either real or fictional. If the intermediary was real, it was a sham conduit a company with virtually no balance sheet or income statement that could be collapsed and disappeared if the scheme ever collapsed or just hit a bump in the road.
Either way, the intermediary was not really a party to the transaction with the consumer or homeowner. It did not pay the homeowner nor did it receive payments from the homeowner. It did not own any obligations from the homeowner, according to modern law, because it had never paid value for the obligation.
Under modern law, the transfer or conveyance of an interest in a mortgage without a contemporaneous transfer of ownership of the underlying obligation is a legal nullity in all states of the union. So transfers from the originator who posed as a virtual creditor do not exist in the eyes of the law if they are shown to be lacking in consideration paid for the underlying obligation, as per Article 9 203 Uniform Commercial Code, adopted in all 50 states. The transfers were merely part of the illusion of maintaining the apparent existence of the loan transaction with homeowners.
This is why neither XXXX or XXXX or XXXX can not respond to a simple question who is the owner of my " obligation '' ( if exists ) and who and when sold my " loan '' to XXXX. They answer evasively because the obligation does not exist and can not be owned.
Although there is a presumption of ownership derived from claims of delivery and possession of the note, the proponent of that presumption may not avail itself of that presumption if it fails to answer questions relating to rebutting the presumption of existence and ownership of the underlying obligation.
The homeowner is not getting away with anything or getting a free house as the investment banks have managed to insert into public discourse.
They are receiving just compensation for their participation in this game in which they were drafted without their knowledge or consent. Considering the 1200 % gain enjoyed by the investment banks which was enabled by the homeowners participation, the 8 % payment to the homeowner seems only fair. Further, if somehow the homeowners apparent obligation to pay the investment bank survives, it is subject to reformation, accounting, and computation as to the true balance and whether it is secured or not.
The obligation to repay the consideration paid by the investment bank ( through intermediaries ) seems to be a negation of the consideration paid. If that is true, then there is neither a loan contract nor a securities contract. There is no contract because in all cases the offer and acceptance were based upon different terms ( and different deliveries ) without either consideration or execution of the terns expected by the homeowner under the advertised loan contract.
Payments By Homeowners Do Not Reduce Loan Accounts. Each time that a homeowner makes a payment, he or she is perpetuating the myth that they are part of an enforceable loan agreement. There is no loan agreement if there was no intention for anyone to be a lender and if no loan account receivable was established on the books of any business. The same result applies when a loan is originated in the traditional way but then acquired by a successor. The funding is the same as what is described above. The loan account receivable in the acquisition scenario is eliminated.
Once the transaction is entered as a reference data point for securitization it no longer exists in form or substance.
For the past 20 years, most homeowners have been making payments to companies that said they were servicers. Even at the point of a judicial gun ( court order ) these companies will fail or refuse to disclose what they do with the money after receipt. Because of lockbox contracts, these companies rarely have any access to pools of money that were generated through payments from homeowners.
Like their counterparts in the origination of transactions with homeowners, they are sham conduits. Like the originators, they are built to be thrown under the bus when the scheme implodes. They will not report to you the identity of the party to whom they forward payments that they have received from homeowners because they have not received the payments from homeowners and they dont know where the money goes.
The actual accounting for payments received from homeowners is performed by third-party vendors, mostly under the control of XXXX XXXX. Through a series of sham conduit transfers, the pool of money ends up in companies controlled by the investment bank. Some of the money is retained domestically while some is recorded as an offshore off-balance-sheet transaction.
In order to maintain an active market in which new certificates can be sold to investors, discretionary payments are made to investors who purchase the certificates. The money comes from two main sources.
One source is payments made by homeowners and the other source is payments made by the investment bank regardless of whether or not they receive payments from the homeowners. The latter payments are referred to as servicer advances. Those payments come from a reserve pool established at the time of sale of the certificates to the investors, consisting of their own money, plus contributions from the investment bank funded by the sales of new certificates. They are not servicer advances. They are neither in advance nor did they come from a servicer.
* Since there is no loan account receivable owned by anyone, payments received from homeowners are not posted to such an account nor to the benefit of any owner of such an account ( or the underlying obligation ). Instead, accounting for such payments are either reported as return of capital or trading profits. In fact, such payments are neither return of capital nor trading profit. Since the investment bank has already zeroed out any potential loan account receivable, the only correct treatment of the payment for accounting purposes would be revenue. This includes the indirect receipt of proceeds from the forced sale of property in alleged foreclosures.
By retaining total control over the accounting treatment for receipt of money from investors and homeowners, the investment bank retains total control over how much taxable income it reports. At present, most of the money that was received by the investment bank as part of this revenue scheme is still sitting offshore in various accounts and controlled companies. It is repatriated as needed for the purpose of reporting revenue and net income for investment banks whose stock is traded on the open market. By some fairly reliable estimates, the amount of money held by investment banks offshore is at least {$30.00} XXXX.
As a baseline for corroboration of some of the estimates and projections contained in this article and many others, we should consider the difference between the current amount of all the fiat money in the world and the number and dollar amount of cash-equivalents in the shadow banking market. In XXXX, the number and dollar amount of such cash equivalents was XXXX. Today it is {$1.00} quadrillion around XXXX times the amount of currency.
And this XXXX SCGEME would not succeed if XXXX and XXXX XXXX XXXX along with other fictitious " sellers " of bogus " Title Insurances '' would not create an APPEARANCE of illusion called " mortgage '' and " homeownership '' It is proven by many cases in which investors have sued the named trustee of the alleged XXXX trust for failure to take action that wouldve protected the interest of the investors.
The outcome of all such cases is a finding by the court that the trustee does not represent the investors, the investors are not beneficiaries of the Trust, and that the trustee has no authority, right, title, or interest over any transaction with homeowners. Since the named trustee has no powers of a trustee to administer the affairs of any active trust with assets or a business operating, it is by definition not a trustee.
And EVERY Propectus specifically states that mortgages WILL BE pooled in some Trusts which WILL BE created - while none of it happened in the real life.
The alleged servicers know that they have no authority and in fact do not perform any collections, administration or enforcement of anyone 's debt.
Since here is NO loan account, it can not be guaranteed by any XXXX ; there can be no default and hence no remedy is there is either no obligation or no ownership of the obligation by the complaining party.
This is why XXXX, XXXX and XXXX failed and refused to answer basic questions about the establishment, existence, and ownership of the alleged underlying obligation.
I have clear evidence that my transaction was not a " loan '' and not with XXXX Mortgage but with undisclosed investment bank who hired FAF and XXXX subsidiarties to damage my property Title.
Thus, First American Title and XXXX XXXX XXXX compensate me for damages, at least {$130000.00} under the policy.
Plus damages for extreme emotional distress, and aiding and abetting Investment Banks fraud and racket.
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| 12/07/2017 |
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 |
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The disclosure that XXXX XXXX XXXX XXXX XXXX XXXX may be acting as a debt collector attempting to collect a debt, is apparently in reference to the fact that the courts are divided on the issue of whether or not foreclosure is debt collection. ( See attached file : Notice of Default ). Therefore until this issue is resolved by the United States Supreme Court, the creditor, servicer, and trustee are all prohibited from foreclosing on the subject property as this could be a violation of federal and state debt collection laws. As such as Notice to Cease and Desist was sent certified mail to XXXX XXXX XXXX XXXX XXXX XXXX. The notice also states I dispute the debt. ( See attached file : Notice to Cease and Desist ). It is not possible to verify the debt until the issue of whether foreclosure is debt collection is resolved. Therefore the trustee is prohibited from foreclosing on my home until the US Supreme Court rules on this issue. Even still it is illegal to use mortgage assistance as a method of debt collection.
In addition attached are pages taken from a class action law suit against XXXX XXXX XXXX , XXXX which ended in a settlement. Although the circumstances are not identical, the court denied the motion to dismiss and concluded " The court is troubled by the prospect that this case may involve a third-party debt buyer attempting to collect money from a consumer on a debt she does not owe. '' The court also cited : A debt buyer purchases consumer debts that have been written off by the original creditor, generally acquiring the debts for a fraction of the balance, and then attempting to collect the entire debt. XXXX v. XXXX XXXX. XXXX, XXXX , XXXX XXXX XXXX, XXXX ( XXXX XXXX XX/XX/XXXX ). ( See attached file : XXXX Class Action FDCPA ).
I refinanced my mortgage with XXXX XXXX in XX/XX/XXXX, went into default in XX/XX/XXXX, entered into a Trial Plan Agreement, made the three trial payments, did not receive the HAMP modification, have not made a payment since, and have been placed into foreclosure 6 times with three different trustees. XXXX ( XXXX ) /XXXX XXXX violated CA civil Code 2924f/g and committed fraud to cover it up. Then the XXXX XXXX XXXX committed fraud to cover up for XXXX. I filed a complaint with the California Attorney General against the XXXX XXXXXXXX XXXX and after another foreclosure sale was scheduled for my home I filed a complaint with the California Attorney General against XXXX. The California Monitor intervened because XXXX was in violation of the National Mortgage Settlement Consent Order and depriving me of my California Homeowner Bill of Rights. XXXX ( XXXX ) XXXX XXXX then committed fraud to cover this up. In a letter dated XXXX XXXX XXXX I disputed the transfer of servicing/sale of debt to XXXX effective XXXX XXXX XXXX, informed XXXX I was delinquent for 5 years, and informed XXXX to cease and desist.
Due to the complaints I filed with the California Attorney General, The XXXX XXXX XXXX would not conduct a trustee sale so XXXX substituted XXXX who subsequently schedule a trustee sale shortly afterward for XX/XX/XXXX. In XX/XX/XXXX, I sued both XXXX and XXXX in Superior Court ( case # XXXX ) for among other things, fraud, oppression, malice and proved this to the letter for the law. After I filed my complaint, the judge denied my request for injunctive relief so I submitted an application with XXXX for the first time to request mortgage assistance. XXXX then did the same exact thing XXXX had done a year earlier ; deprived me of my California Homeowner Bill of Rights while foreclosing on my home. XXXX responded by communicating with me in the capacity of a debt collector in violation of my notice to cease and desist. After I managed to get my application into underwriting, XXXX instructed XXXX to proceed with the foreclosure sale anyway and XXXX did so in violation of my California Homeowner Bill of Rights. So I filed a new complaint against XXXX with the California Attorney General for violating my California Homeowner Bill of Rights. XXXX then cancelled the sale, closed its west coast offices, and informed me the records were lost. XXXX then withdrew my application from underwriting and committed fraud in response to my Qualified Written Request to cover it up. In this letter XXXX states at the top of page two that XXXX XXXX is the note holder. ( See attached file : XXXX XXXX Note Holder ).
Furthermore XXXX XXXX XXXX XXXX XXXX XXXX was sued in the Court of Appeal in the State of California XXXX XXXX XXXX. The court explained how it had ruled it was hearsay that the predecessor bank was successor to the original beneficiary, so the overall truthfulness of the assignment of the deed of trust remained subject to dispute as well. This is supported by testimony that there are no assignments of mortgages or anything transferring ownership from XXXX to XXXX. ( See attached file : CA XXXX XXXX Court of Appeal ).
XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX in which it states : The current creditor to whom the debt is owed is XXXX XXXX XXXXon behalf of the holders of the XXXX Pass-Through Mortgage Certificates, Series XX/XX/XXXX-XXXX. ( See attached file : Current Creditor XXXX XXXX ). Notice it says on behalf of the holders of the XXXXCertificates. This is due to the fact that XXXX XXXX only did the underwriting. The money to fund the loans came from investors who were issued certificates of ownership in the trust that owned my mortgage and note.
XXXX XXXX admits it is merely the trustee for the trust that owns the mortgage and note. ( See attached file : XXXX XXXX-XXXX XXXX XXXX XXXX XXXX ). That is because the holders of the certificates are the actual owners of the mortgage and note and not XXXX XXXX. The certificate holders sued XXXX XXXX and XXXX XXXXXXXX XXXX in a class action law suit over these mortgages and received a settlement. ( See attached file : Certificate Holders Class Action ). As a result these debts are satisfied. The mortgages should be canceled and the liens should be removed from the property.
XXXX XXXX states it has no authority or responsibility to review and or approve or disapprove of these decisions and actions and that the servicer is the party to the Trust that has the authority and responsibility to make decisions and take action regarding individual mortgage loans in the trust. ( See attached file : XXXX XXXX-XXXX XXXX XXXX XXXX XXXX ). However the servicer is a licensed debt collection agency in disguise which uses mortgage assistance as an illegal method of debt collection to foreclose on homes. ( See attached file : Agent Beneficiary Perjury ).
All letters relating to mortgage assistance have the disclaimer at the bottom that it is communication from a debt collector attempting to collect a debt and any information obtained will be used for that purpose. This is a direct violation of the Dodd-Frank Wall Street Reform Consumer Protection Act the Fair Debt Collection Practices Act, and various Consumer Rights Laws and the CFPB has taken action against XXXX, XXXX XXXX, and XXXX over this very problem. Furthermore XXXX has shared my personal information with third parties without providing the form to restrict/limit this and continues to share my personal information after I restricted/limited this. This is precisely why in over three years I have been unable to get XXXX to underwrite my application for mortgage assistance and it is painfully obvious the very person responsible for my loan at XXXX is still in control at XXXX. As a result the Control Officer, XXXX XXXX, committed perjury in her California Declaration of Compliance which states : On XX/XX/XXXX contact was made with the borrower to assess the borrowers financial situation and explore options for the borrower to avoid foreclosure ( See attached file : Agent Beneficiary Perjury ). XXXX is a licensed debt collection agency. There is no way any reasonable person would believe options were ever legitimately explored to avoid foreclosure. Therefore XXXX XXXX clearly committed perjury.
Furthermore the California Declaration of Compliance states at the top that the Beneficiary is XXXX XXXX on behalf of the holders of the XXXX Pass-Through Certificates, Series XX/XX/XXXX-XXXX. Then at the bottom it states XXXX XXXX XXXX , XXXX is the authorized agent of Beneficiary. This would mean that a licensed debt collection agency disguised as a mortgage loan servicer that uses mortgage assistance as an illegal method of debt collection to foreclose on my home, is the authorized agent for the certificate holders who are the actual owners of my mortgage and note.
However the law states : The trustee holds a power of sale. If the debtor defaults on the loan, the beneficiary may demand that the trustee conduct a nonjudicial foreclosure sale. ( XXXX, XXXX, XXXX XXXX at p. 926. ) Thus, while a trustee initiates the nonjudicial foreclosure sale, it may do so only at the direction of the person or entity that currently holds the note and the beneficial interest under the deed of trustthe original beneficiary or its assigneeor that entitys agent. ( Id. At p. 927 ; Civil Code, 2924, subd. ( a ) ( 1 ) [ notice of default may be filed for record only by [ t ] he trustee, mortgagee, or beneficiary, or any of their authorized agents ] ; unless otherwise set forth, statutory section references that follow are to the Civil Code. ) However XXXX XXXX is not the original beneficiary or its assignee. That is likely why XXXX XXXX contends it is merely the trustee for the trust that owns my mortgage and note and that the certificate holders are the owners of the trust. The deed of trust names XXXX XXXX as the original beneficiary and not the certificate holders. As the XXXX XXXX Court of Appeal ruled it was hearsay that the predecessor bank was successor to the original beneficiary, so the overall truthfulness of the assignment of the deed of trust remained subject to dispute as well. This is supported by testimony that there are no assignments of mortgages or anything transferring ownership from XXXX to XXXX. ( See attached file : CA XXXX XXXX Court of Appeal ).
Furthermore XXXX sued the FDIC over the acquisition of XXXX and received a settlement. XXXX XXXX XXXX XXXX and XXXX XXXX contend that XXXX is the agent of the Beneficiary which is XXXX XXXX on behalf of the holders of the XXXX Mortgage Pass-Through Certificates. In addition, as explained above, the certificate holders sued XXXX XXXX and received a settlement. So it is disingenuous to claim XXXX is the agent for the certificate holders. If XXXX XXXX is merely the trustee for the certificate holders and XXXX is the agent for XXXX XXXX then XXXX would be acting on behalf of the certificate holders who received a settlement from XXXX XXXX and XXXX would be acting on behalf of the certificate holders after XXXX received a settlement from the FDIC. No reasonable person would believe this and I dispute it. This is likely why XXXX has declined my Qualified Written Request to provide the agreements that would allow this and cites they are privileged or proprietary, overly broad, unduly burdensome, and XXXX is not required to respond.
XXXX is acting as XXXX XXXX agent who according to XXXX XXXX has the authority and responsibility to make decisions and take action regarding individual mortgage loans in the trust. So although XXXX XXXX states it is the trustee for the trust that owns my mortgage and note, XXXX XXXX has no authority or responsibility to review and or approve or disapprove of these decisions and actions. Furthermore the letter from XXXX XXXX XXXX dated XX/XX/XXXX states : XXXX XXXX XXXX XXXX XXXX has been authorized by the servicer/creditor to initiate foreclosure proceedings ( See attached file : Current Creditor ). This implies that XXXX XXXX approves of this decision for XXXX XXXX XXXX XXXX XXXX to initiate foreclosure proceedings. However as XXXX XXXX states : XXXX XXXX has no authority or responsibility to review and or approve or disapprove of these decisions and actions and that the trust is the owner of the mortgage and note, not the trustee.the servicer has taken all action regarding your property. ( See attached file : XXXX XXXX XXXX XXXX XXXX XXXX ).
Also the letter from XXXX XXXX XXXX states the full amount owed is {>= $1,000,000}. As in the class action suit against XXXX, the court explains how A debt buyer purchases consumer debts that have been written off by the original creditor, generally acquiring the debts for a fraction of the balance, and then attempting to collect the entire debt. XXXX v. XXXX XXXX. XXXX, XXXX , XXXX XXXX XXXX, XXXX ( XXXX XXXX XX/XX/XXXX ). The court also stated " The court is troubled by the prospect that this case may involve a third-party debt buyer attempting to collect money from a consumer on a debt she does not owe. ( See attached file : XXXX Class Action FDCPA ). This is further supported by the monthly mortgage statements that show a balance and disclaimer it is an attempt to collect a debt. ( See attached file : Mortgage Statement ) and page XXXX of the attached file Payoff Statement.
According to XXXX XXXX, XXXX would be acting on its own to instruct XXXX XXXX XXXX XXXX to initiate non-judicial foreclosure proceedings. This would not be in accordance with the law. Therefore I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX informing them of this problem. ( See attached file : XXXX XXXX-Certified Letter ). Although the agent for the Beneficiary may demand the trustee conduct a non-judicial foreclosure sale, it would do so on behalf of the original beneficiary or its assignee. That is likely why XXXX contends at the top of page two of the letter dated XX/XX/XXXX that XXXX XXXX is the Note Holder. ( See attached file : XXXX XXXX Note Holder ).
XXXX XXXX only did the underwriting. The actual money to fund my loan came from investors. However XXXX XXXX converted my mortgage and note to a security and since a security can never be converted back into a note, it would be securities fraud for the note and security to both exist. As a result the security was placed in a trust and the investors were issued certificates of ownership in the trust that owns my mortgage and note. In doing so the note does not actually exist in the physical sense as the trust is considered an entity. Thus the notes were replaced with certificates of ownership in the trust. In order to foreclose on a property in California and most states, the original note is required to show ownership of the mortgage. This is obviously not possible without committing fraud and is a very well documented crime.
In states with judicial foreclosures, XXXX XXXX forecloses on homes as the trustee on behalf of the certificate holders as in the case of XXXX XXXX XXXX, Plaintiff, -vs- XXXX XXXX , et al., Defendant. ( See attached file : XXXX XXXX -VS- XXXX XXXX ). The real player was XXXX who then slipped in XXXX as a Successor to the Servicing of the loan in which there were no servicing duties. At trial they tried coming up with new fabricated documents but the Judge refused to admit them into evidence. Not only were the documents fabricated, the business records were a mixed bag of tricks with reversals of payments received and money going in and out of escrow that clearly could not be reconciled. The robo-witness could not come up with a default date nor could he reconcile the amount demanded for reinstatement with any terms of the loan. Had this property been in a non-judicial foreclosure state, the property would have been illegally foreclosed upon.
This is the problem in a non-judicial foreclosure state ; the trustee is not independent as the California State Supreme Court ruled trustees are supposed to be independent and arms length in a Deed of Trust contract. This ruling from the CA Supreme Court was filed in XX/XX/XXXX from the XXXX v Superior Court of XXXX XXXX XXXX case.
However, in XX/XX/XXXX the CA legislature created SB 1638 which redefined how a substitution of trustee is able to take place. This bill became enacted law in XX/XX/XXXX, therein making EVERY deed of trust agreement issued by a financial institution since that date fraudulent on its face and therefore VOID.
The bank substituted a Trustee without my permission, acceptance or knowledge and XXXX XXXX XXXX XXXX XXXX XXXX acknowledges it may be acting as a debt collector attempting to collect a debt. Thus the trustee is clearly not independent and since it is evidently unsure if foreclosure is debt collection, it can not ignore the fact that I dispute the debt and that it can not verify the debt. Given the history of the mortgage, the two years of unsuccessful foreclose action and all the facts, the only option is to immediately inform me the foreclosure is cancelled.
Every change in a real estate contract must be agreed to and signed by all parties involved in the agreement throughout the life of the agreement or it is against the Statue of Frauds ( 1677 ). This is BASIC real estate contract law. The other problem with the substituted change is that the bank did this without my knowledge or consent. According to SB1638 ( XX/XX/XXXX ) the bank is allowed to change the trustee at their discretion.
This means that the acting trustee is not allowed to NOT be substituted if they deem so otherwise. As a result the trustee is NOT independent, as it was ruled by the CA Supreme Court in XX/XX/XXXX in XXXX v Superior Court of XXXX XXXX XXXX [ XXXX XXXX XXXX }.
The independence of the Trustee is deemed imperative to the non-judicial foreclosure process because the courts have given the trustee the presumption of correctness. This means that it is the intention of the non-judicial process that the trustee act as the court and therein what the trustee states as true and correct is deemed true and correct. This is due to the fact that the trustee is to be independent as based on the Supreme Courts ruling in XX/XX/XXXX. However, in XX/XX/XXXX, the Senate Bill 1638 became enacted law in XX/XX/XXXX.
This Bill allowed the banks to substitute the trustee at the will of the bank. Consequently the trustee is controlled by the financial institution. Therefore there is no independence of a trustee at the inception of the Deed of Trust agreement. Thus if the bank does not inform the borrower of this fact at the inception of the contract agreement then they have deceived the borrower into using a Deed of Trust agreement. Through this misrepresentation by the banks of the material fact that the trustee is not independent, the Deed of Trust agreement is in fact fraudulent on its face and therefore VOID because there was never a legal Deed of Trust contract agreement to begin with.
As the trustee is given the presumption of correctness in all of the their actions in a non-judicial foreclosure procedure in the state of CA, it is assumed that all of the documents and actions by either party that the trustee is entrusted to deem as true and correct are in fact so. The trustee is entrusted to make sure that the banks and mortgage servicers follow all of the rules to the deed of trust and the power of sale clause, CA Civil Code 2924 et al, in the state of CA. If the bank controls the trustee and is allowed to break the rules of the power of sale clause then the trustee is incapable of acting in the best interest of the borrower at any point of the duration of the deed of trust agreement.
I was deceived by XXXX XXXX in that XXXX knew all along the trustee was not independent and was in fact controlled by the bank since the inception of the deed of trust agreement. That is precisely why after two trustees would no longer conduct a trustee sale, a third trustee has been substituted in to illegally foreclose on my home. If this were a civil case agsint me, it would be dismissed and the prosecution would be prohibited from suing me again over the same claim. If the banks are able to repeatedly substitute a trustee it is just a matter of time before the bank forecloses on my home. Given everything, it is impossible for the trustee to foreclose on my home and claim to be independent.
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| 05/03/2018 |
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 |
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This complaint contains NEW information. According to the notice, First American has scheduled a foreclosure sale for my home for XX/XX/XXXX and recorded this with the XXXX XXXX County Recorder 's Office. ( See attached file : Trustee Sale Recorded With County Recorder ). However on XX/XX/XXXX a notice of Trustee Sale was posted to my door with this same date. According to CA Civil Code 2924f/g, only 21 days is required for the notice to be posted. In every other instance the notice was posted only 21 days prior to the sale. XXXX ( XXXX ) /XXXX XXXX has violated civil code 2924f/g in the past and not published the sale date. I have personal knowledge of other people in California with XXXX XXXX loans serviced by XXXX ( XXXX ) /XXXX XXXX who have had their home foreclosed BEFORE the scheduled date. I am unable to confirm the sale date has been published as required by CA Civil Code 2924f/g and it is very possible First American will sell the home on XX/XX/XXXX.
The foreclosure is illegal debt collection and a total and complete violation of federal consumer financial law. As per the letter from First American dated XX/XX/XXXX, I disputed the debt in the third sentence of my Notice to Cease and Desist Communication dated XX/XX/XXXX. ( See attached file : Dispute The Debt ). The letter from First American dated XX/XX/XXXX stated : " The law requires First American to suspend its efforts to collect the debt ( through litigation or otherwise ) until First American Title Insurance Company mails the requested information to you. '' ( See attached file : Trustee-First American ). First American did not mail me anything to validate the debt as the letter stated. Instead, First American forwarded the dispute to XXXX XXXX XXXX , XXXX. which is a debt collection agency disguised as a mortgage loan servicer and a complete and total violation the Dodd-Frank Wall Street Reform and Consumer Protection Act of XX/XX/XXXX. XXXX then provided documentation that did not conform with the legal standards to validate the debt. ( See attached file : Improper Debt Validation ).
When a consumer disputes a debt, the debt collector may not continue to collect the debt or contact the consumer again until the debt has been properly validated in accordance with legal standards. In this case foreclosure is debt collection because the debt was obtained after it was already in default. In fact I went into default in XX/XX/XXXX and have remained in default the entire time. I have not made a mortgage payment since XX/XX/XXXX which means the statute of limitations has run as well. ( See attached file : XXXX CREDITOR ). Also when the loan is sold to a new creditor, the new creditor must prove the loan was assigned to it with documentation from the previous creditor.
This is the purpose for the California Assignments of Deed of trust and they are totally fraudulent. I refinanced my mortgage with XXXX XXXX in XX/XX/XXXX. The FDIC then sold XXXX to XXXX. XXXX and First American both contend XXXX XXXX is the new creditor. However the Assignments of Deed of Trust do not hold up in court as it is a well established fact XXXX never acquired any XXXX loans. This was one of the issues involved in my dispute. ( See attached file : Dispute ). I have now obtained the actual Assignments of Deed of Trust recorded with the XXXX XXXX County Recorder 's Office. ( See attached file : Fraudulent Assignment of Deed of Trust ). As part of my dispute I reference a law suit agsint First American in which the court explained that in XXXX v. XXXXXXXX XXXX, XXXX, XXXX XXXX at pp. XXXX, the appeals court reversed the trial court 's decision and concluded : The recitation that XXXX XXXX XXXX is the successor in interest to XXXX XXXX XXXX XXXX, through XXXX XXXX, is hearsay. Defendants offered no evidence to establish that XXXX XXXXXXXX XXXX had the beneficial interest under the XX/XX/XXXX deed of trust to assign to the Bank. The truthfulness of the contents of the Assignment of Deed of Trust remains subject to dispute ( XXXX, XXXX, XXXX XXXX at p. XXXX, fn. XXXX ), and plaintiffs dispute the truthfulness of the contents of all of the recorded documents.
( See attached file : XXXX XXXX v First American ).
The attached California Assignments of Deed of Trust are consistent with the courts decision in this case. As a result there is nothing to prove XXXX XXXX or XXXX was assigned the Deed of Trust from the previous creditor. Notice First American was the defendant in the case when the court referenced XXXX v. XXXX XXXX. This decision was filed on XX/XX/XXXX so the CA Appeals court maintained this position and informed First American of it. Also enclosed is deposition testimony from another case that proves these Assignments of Deed of Trust are fraud. This is a violation of 15 U.S.C. 1692f ( 1 ), Taking or threatening to take any non-judicial action to effect disposition or disablement of property if, e.g., there is no present right of possession of the property claimed as collateral through an enforceable security interest is prohibited under the FDCPA.
Furthermore in XXXX XXXX, XXXX XXXX that pp. 1094-1097 the court held that a plaintiff may properly allege a valid cause of action for wrongful foreclosure by stating facts showing the defendant who invoked the power of sale was not the true holder of the deed of trust. The same holds true with this foreclosure. The attached CA Declaration of Compliance proves XXXX invoked the power of sale because at the bottom it says XXXX instructs the trustee to proceed with non-judicial foreclosure proceedings as the authorized agent of the beneficiary which is XXXX XXXX. However the true beneficiary are the certificate holders and neither XXXX XXXX nor XXXX are truly acting on their behalf.
According to First American XXXX XXXX have invoked the power of sale. ( See attached file : Trustee-First American ). In lines 3-5 it states : " First American Title Insurance company has been authorized by the Servicer/Creditor to initiate foreclosure proceedings in conjunction with the foreclosure of a Deed of Trust associated with your real estate loan. '' Notice how First American states the Servicer/Creditor authorized the foreclosure. This is because First American can not determine who the true holder of the Deed of Trust is. This is because neither XXXX nor XXXX XXXX want to take responsibility for this because the truth is neither are the true holders of the Deed of Trust. In addition the letter from First American dated XX/XX/XXXX states in the first paragraph : " The current creditor to whom the debt is owed is XXXX XXXX ... The loan is serviced by XXXX XXXX XXXX XXXX '' Now Read the two attached California Assignments of Deed of Trust. As the CA Appeals court ruled in XXXX v. XXXX XXXX, even though the document recited that the bank was assigned all beneficial interest under the deed of trust by a predecessor bank, its RECITAL that the predecessor bank was successor to the original beneficiary was HEARSAY, so the overall truthfulness of the assignment of the deed of trust remained subject to dispute as well.
Compare the second California Assignments of Deed of Trust to the attached California Declaration of Compliance and you will see how neither XXXXXXXX XXXX nor XXXX are the true holder of the Deed of Trust. The California Declaration of Compliance says XXXX is the authorized agent for XXXXXXXX XXXX and the California Assignment of Deed of Trust assigns the Deed of Trust to XXXXXXXX XXXX CARE OF XXXX. According to this XXXX would be the authorized agent for XXXX XXXX who was assigned the Deed of Trust CARE Of XXXX. However in the attached letter from XXXX XXXX, which admits : " XXXXXXXX XXXX is merely the trustee for the trust that owns the mortgage and note on this property. Please note the Trust is the owner of your mortgage and note, not the trustee. '' " The servicer is the party to the Trust that has the authority and responsibility to make decisions and take actin regarding individual mortgages in the Trust. '' ( See attached file : XXXX XXXX XXXX and XXXX XXXX ). Compare this to the letter from XXXX dated XX/XX/XXXX enclosed in the same file. This names XXXX XXXX ON BEHALF OF THE HOLDERS OF THE XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX as the " owner, investor, creditor, and note holder. '' Underneath this it says : Attention : XXXX XXXX and XXXX XXXX - XXXX Series XXXX. Underneath that it states : " The above named entity is the owner of the account, and XXXX is the servicer of the account. '' The " above named entity '' is NOT the true owner of the account or the true holder of the Deed of Trust. XXXX and XXXXXXXX XXXX consider the trust to be the entity that owns the mortgage and note. As XXXXXXXX XXXX states in paragraph two : Please note the Trust is the owner of your mortgage and note, not the trustee. This letter from XXXX XXXX dated XX/XX/XXXX is not consistent with the letter from XXXX dated XX/XX/XXXX enclosed in the same attached file. The true holder of Deed of Trust would be the certificate holders who are the investors and, collectively, the original creditors who sued XXXXXXXX XXXX in a class action law suit which was settled ; rendering the debt satisfied. ( See attached file : Investors Class Action ). In addition the letter from First American dated XX/XX/XXXX states in the first paragraph : " The current creditor to whom the debt is owed is XXXX XXXX ... The loan is serviced by XXXX XXXX XXXX XXXX. '' ( See attached file : Trustee-First American ). The law says the trustee may initiate a non-judicial foreclosure sale only at the direction of the person or entity that currently holds the note and the beneficial interest under the deed of trust -- the original beneficiary or its assignee -- or that entity 's agent. This is why XXXX claims to be the authorized agent for the beneficiary. However the Assignments of Deed of Trust are fraudulent and the debt is no longer valid.
As a result First American has no excuse for scheduling a foreclosure sale for my home. XXXX never had any right of possession so XXXXXXXX XXXX XXXX has no present right of possession and neither does XXXX or First American. First American has ignored this and scheduled a foreclosure sale for my home on XX/XX/XXXX. This is a total violation of federal consumer financial law. The CFPB published an announcement that it would partner with the FTC to combat illegal debt collection. ( See attached file : CFPB and FTC Combat Illegal Debt Collection ). Evidently neither XXXX not First American have any regard for these government agencies.
On XX/XX/XXXX First American stated the file was suspended and no date has been set for the subject property. ( See attached file : Foreclosure Suspended ). Three months have passed without any communication from either First American or XXXX and now suddenly without providing any further documentation to validate the debt, First American has schedule a trustee sale for XX/XX/XXXX. On XX/XX/XXXX First American mailed me a notice that was backdated to XX/XX/XXXX and told me unless I take legal action to protect my property it may be sold at public auction and if I want an explanation to contact a lawyer. ( See attached file : Mail fraud ).
Given on XX/XX/XXXX First American already informed me the file was suspended, it is not possible for First American to inform me on XX/XX/XXXX, my property may be sold at public auction. On XX/XX/XXXX First American also informed me it received my notice to cease and desist. ( See attached file : ( Cease and Desist ). In addition to 15 U.S.C. 1692f ( 1 ), First American has also violated 807. False or misleading representations ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 806. Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 808. Unfair practices. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
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| 07/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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First American responded to our previous CFPB complaint ( XXXX ) by a letter dated XX/XX/XXXX along with providing a closing instructions which raised additional questions. CFPB, NOTE THAT THIS IS NOT A DUPLICATE COMPLAINT! Per the CFPB directors office, we are entitled to file an additional complaint if the company fails to answer all of our questions or if additional questions are raised! First American stated ; " the lenders instructions requested a copy of the Deed of Trust to be sent to the lender with the original being retained for recording ''. Now ; per the documents provided by First American, there is no mention that the lender, XXXX XXXX XXXX required First American Title to send a copy to the lender and retain the original Deed of Trust for recording! The document at the other hand does reflect in box 1 that two ( 2 ) certified copies of HUD I note, Deed of Trust, Warranty Deed and any other document sent for recording. So, can First American Title reflect the exact location on this closing instruction form where XXXX XXXX requested to have copies sent to them and to have First American Title hold the original Deed of Trust for recording purposes? First American Title stated in their letter dated XX/XX/XXXX ; " in response to XXXX XXXX 's question regarding the method in which the final policy and/or the original Deed of Trust would have been sent, the file does not show the manner in which the policy and/or the original Deed of Trust were sent to XX/XX/XXXX on XX/XX/XXXX ''. Now, per your transmittal letter dated XX/XX/XXXX that First American provided, it clearly reflects that the document attached or enclosed was a policy of title insurance. There was no mention of the original Deed of Trust enclosed. Now, is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking? Is n't it a company policy of First American to maintain accurate records? Please provide a response to our questions and please provide documentation. Also, please review the dispute that I sent to the CFPB for case # XXXX. Disputing First American response : First American Title failed to answer our questions once again and failed to provide the documentation that we requested. Per our initial CFPB complaint XXXX which was submitted on XXXX XXXX XXXX states ; First American stated in the previous complaint that the lenders instructions requested a copy of the Deed of Trust to be sent to the lender with the original being retained for recording. Does First American have the written instructions from XXXX XXXX XXXX collaborating your statement? If so, please provide the written statement from XXXX XXXX XXXX! First American title stated that they retained the original Deed of trust for recording. Does First American title have any additional records such as shipping and tracking information to prove that they sent our original Deed of Trust to XXXX XXXX XXXX after recording on XX/XX/XXXX? If so, please provide documentation ( shipping information ) on the carrier that shipped this package to XXXX XXXX XXXX which contained the original Deed of Trust! Please provide which carrier, date and tracking number used to send the original Deed of Trust to XXXX XXXX XX/XX/XXXX! We further stated ; we are not harassing your company. We seeking the truth and justice if any wrong doing has occurred. Now, First American provided a closing instructions document along with a written response to our complaint dated XX/XX/XXXX. CFPB, please refer to these documents! First American stated ; XXXX XXXX also claims that his questions have not been answered despite First American providing a response to each of the questions asked. Rebuttal ; please refer to each of our CFPB complaints against First American where you will see that First American did not provide a response to each of our questions now or in some of the past complaints! First American further stated ; in XXXX XXXX latest complaint, he requested copies of the instructions from the lender. Included with this response are the lenders instructions requesting two copies of the Deed of Trust which would have been returned with the closing documents. Rebuttal ; CFPB please refer to the closing instructions that First American provided! 1st, please refer to the date, XX/XX/XXXX @ XXXX XXXX in question. 2nd, please refer to the additional requirements section, title commitment policy provide title within 45 days after loan disperses. CFPB, please refer to the closing documents section. There are five requirements checked in the closing document section. 1st box checked which states ; two ( 2 ) certified copies of HUD I note, Deed of Trust, Warranty Deed and any other document sent for recording. 2nd box checked which states ; you are to secure 3 copies of a valid survey in area where surveys are customary. 3rd box checked which states ; one ( 1 ) certified copy of restrictions and/or easements of records is required. 4th box checked which states ; Hazard insurance, obtain a one year fire & extended coverage homeowners policy & paid receipt & acceptable rating. 7th box checked which states ; if the property was constructed prior to XX/XX/XXXX, please provide a copy of the Lead Based paint or lead based paint hazards disclosure that was given to the borrowers by the seller. Now, as you can see from this document provided by First American that there are no other requests by the lender. Furthermore, there is no mention in this closing document section that the investor, XXXX XXXX XXXX requested First American to return two copies of the Deed of Trust with the closing documents with the original Deed of Trust retained for recording as First American stated! First American provided a false statement to a federal agency that must be addressed by federal and state agencies! First American further stated ; according to the records in the file, the title policy was sent to XXXX XXXX XXXX on XX/XX/XXXX. Also being provided with this response is a transmittal letter that would have been sent to the lender with the lenders title policy. Rebuttal ; the title transmittal dated XX/XX/XXXX only states ; please find enclosed policy of Title Insurance per your request. Now, a transmittal letter accompanies a larger item in this case its a policy of Title Insurance. The transmittal letter provides the recipient with a specific content and serves as a record of that object being delivered. As you can see, this title transmittal does not include our original Deed of Trust! Furthermore ; this document does not prove that XX/XX/XXXX received the policy of Title Insurance from First American! First American further stated ; in response to XXXX XXXX question regarding the method in which the final policy and/or original Deed of Trust would have been sent, the file does not show the manner in which the policy and/or the original Deed of Trust were sent to XXXX XXXX XXXX on XX/XX/XXXX. Although there is no indication of the method in which these documents would have been sent to XXXX XXXX XXXX on XX/XX/XXXX there is again no indication or evidence to support XXXX XXXX claim that a copy of the Deed of Trust was recorded. Rebuttal ; per the transmittal letter provided by First American, this transmittal dated XX/XX/XXXX does not indicate that the Original Deed of Trust was also enclosed! Furthermore ; every company that sends a legal document will send the original documents via XXXX, USPS or XXXX with tracking so the sender will have a record of it and so the lender could retain the original document for their records! So, why doesnt First American have any record of how they sent our original Deed of Trust to XXXX XXXX XXXX? Did First American fail to do their job correctly by not sending the original document by a carrier and keep the tracking information for their records? Without any documentation from First American to confirm their statement, it would be safe to assume that First American sent our original documents to XXXX XXXX XXXX on XX/XX/XXXX as First American stated in a previous CFPB complaintXXXX reflects. Please note in our initial complaint we asked First American, 1st we signed a note and Deed of Trust at the XXXX Nevada location on XX/XX/XXXX for XXXX XXXX XXXX. What was the date that First American Title sent the ORIGINAL documents to XXXX XXXX XXXX? 2nd, how did First American Title send those documents, XXXX XXXX, USPS or XXXX? Per First American response dated XX/XX/XXXX, First American stated ; First American has already informed XXXX XXXX of the method in which documents were sent to his lender which was done by XXXX and it is believed that this shipment occurred on XX/XX/XXXX. First American further stated ; First American has answered each of XXXX XXXX questions in every instance in which he has complained, which complaints are all repetitive of his unfounded claim that a copy was recorded is based on his belief that the original Deed of Trust would have been sent to the lender prior to the recording of the Deed of Trust. First American further stated ; First American reiterates that it will not take any part of XXXX XXXX continued harassment or attempts at removing the Deed of Trust that he executed which was recorded against his property. Rebuttal ; CFPB, please refer to all of our complaints against First American. You will be able to see that First American did not answer all of our questions as they just stated! Furthermore ; XXXX XXXX is NOT harassing First American as they stated but rather making sure that all companies affiliated with mortgages must comply with all federal and state laws! Companies that fail to comply with federal and state laws must have action taken against them. As you well know ; the financial crises of XX/XX/XXXX-XX/XX/XXXX were caused by investors, banks and other mortgage related companies! As you can see, First American continues to maintain their innocence but they have no documentation to support their claims. Instead, First American has a document that they provided in a previous complaint that does in fact support our claim that First American sent our original documents ( Note & Deed of Trust ) too XXXX XXXX XXXX on XX/XX/XXXX, seven ( 7 ) days prior to recording our Deed of Trust with the XXXX County Recorders Office! We request that state and federal agencies investigate this matter. We request that the CFPB forwards this complaint over to the Nevada Attorney Generals Office for an investigation into this matter! If First American Title did in fact violate our laws, NRS 111.312 requirements for recording certain documents, First American must be held accountable for their actions including but not limited to the following ; fines being imposed, court action, criminal charges filed, incarceration, lawsuit filed for mental and emotional damages. The State of Nevada must place a hold on recording any mortgage related document on our parcel until this matter is resolved! The State of Nevada must also remove the Deed of Trust that was recorded by the XXXX County Recorders Office on XX/XX/XXXX, instrument # XXXX for recording improperly! The State of Nevada must require the servicer, XXXX XXXX XXXX to re-record the Deed of Trust with the original document present at the XXXX County Recorders Office so a XXXX County document examiner can verify that the original Deed of Trust does in fact exist prior to recording! Per the law, if the original document does not exist, the lender or servicer can not enforce the Note and/or the Deed of Trust without the original documents!
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| 09/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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CFPB, THIS IS NOT A DUPLICATE COMPLAINT. XXXX XXXX XXXX RAISED ADDITIONAL QUESTIONS AND ARE ENTITLED TO ASK ADDITIONAL QUESTIONS PER THE CFPB OMBUDSMAN OFFICE.
Now, XXXX XXXX XXXX responded to complaint # XXXX on XX/XX/XXXX, which I am disputing XXXX XXXX XXXX response and will provide additional facts. Now ; First American stated in complaint # XXXX ; First American directs XXXX XXXX attention to the 3rd page of the lender instructions that were previously provided to him where the lender instructed please send the Deed of Trust and the Title policy to the address below Per CFPB complaint # XXXX, XXXX XXXX XXXX provided a response letter along with closing instruction in response to our questions. Now, on page 3 of this document states ; a copy of the hazard insurance policy and the title commitment is to be sent to the lender in the closing package. Now ; no where within this section states ; please send the Deed of Trust and the title policy to the address below. CFPB, please review the documentation that is provided! First American, does your response sound like the information provided on this document? Can First American provide a copy of this document and circle the area in question?
First American further stated in their previous response ; First American may not have been able to respond to some of XXXX XXXX questions regarding the method and manner in which the original deed of trust would have been sent to the lender as the records for that occurred in XX/XX/XXXXdo not have this information as the time period to retain records for this transaction expired years ago. The response provided are based on the information available which is stored in First American electronic database and First American has provided the documents it has which are pertinent to XXXX XXXX complaint. Now, isnt it true that XXXX XXXX XXXX policy is to upload every document into your data base for future use? Furthermore, isnt it true that you maintain all the records that we are seeking but do not want to disclose anymore documents since I caught XXXX XXXX XXXX recording our Deed of Trust improperly? First American, isnt it true that the time period to retain records are for hard copies only and not for electronic databases? First American, isnt it true that if the lender requested information or documents from First American pertaining to a loan that First American was involved with, First American would need to provide it to the lender at anytime?
XXXX XXXX XXXX further stated in previous CFPB complaints ; First American has responded and answered all of our questions. Now, here are a couple of complaints to prove that First American failed to answer all of our questions! Per CFPB complaint # XXXX, First American failed to answer all of our questions. We asked XXXX XXXX XXXX if the lender ever cashed out this insurance policy! First American stated ; XXXX XXXX is not the insured on this policy and XXXX XXXX is not entitled to the information regarding the lenders policy. Now, even though we are not the insured, does not mean that we can not ask if this policy was ever cashed out because your company is not providing the lenders personal information! Furthermore, since fraud has occurred with our mortgage loan, we should be allowed to ask additional questions regarding this insurance policy! Now, First American could have responded with a yes or no, if the lender ever cashed out the policy without violating the lenders rights.
Now, per CFPB complaint # XXXX which was submitted on XX/XX/XXXX, First American responded. Per CFPB complaint # XXXX which was submitted on XX/XX/XXXX, First American responded. Per CFPB complaint # XXXX submitted on XX/XX/XXXX, First American responded. Per CFPB complaint # XXXX which was submitted on XX/XX/XXXX, First American answered our questions. Per CFPB complaint # XXXX which was submitted on XX/XX/XXXX, First American failed to answer all of our questions. We asked in our complaint ; isnt it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS. I also asked ; isnt it a policy of First American to maintain accurate records. Per CFPB complaint # XXXX clearly asks additional questions and First American responded on XX/XX/XXXX, which clearly reflects that your company failed to answer all of our questions! CFPB, please review the attached documentation provided! Per CFPB complaint # XXXX which was submitted on XX/XX/XXXX, First American responded! Per CFPB complaint # XXXX which was submitted on XX/XX/XXXX, First American clearly provided a partial response! CFPB, please review all documentation provided! Per CFPB complaint # XXXX, we asked ; isnt it a company policy of First American to maintain accurate records! We also asked, is First American aware of 18 U.S Code 1001, false statements! We also asked, is it safe to assume that when a company sends a title transmittal ( cover letter ) the letter will state in the transmittal letter every document that is being sent! We also asked, is it safe to assume that since the original Deed of Trust was not mentioned in the title transmittal, the original Deed of Trust was never sent with the title transmittal! We also asked, isnt it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX, USPS! Now, no where within First American response addressed these questions! This means that First American stated a false statement to a federal agency which investigates each complaint for any and all wrong doing! Is First American aware that complaints were filed against XXXX XXXX XXXX just to name one company and in XX/XX/XXXX; the CFPB completed an investigation and fined XXXX {$2.00} XXXX for servicing wrong doing? Now, in your last response you stated ; although First American may not have answered each and every question asked by XXXX XXXX, First American has responded to each of XXXX XXXX prior complaints with the information First American has! First American, with the information that I provided above, does that sound like your statement is accurate, that First American responded to each of XXXX XXXX prior complaints?
First American further stated ; the recording of the deed of trust was done to provide notice of that security interest in favor of the lender. As such, even arguing or proving that a copy of the deed of trust was recorded would not remove it from public records as XXXX XXXX hopes as a title examiner looking at the title records would still determine that XXXX XXXX lender has a security interest against the property. Documents are also simply not removed from the recorders office. First, as explained in previous CFPB complaints, we want a title examiner to view the so called original Note and the Original Deed of Trust that XXXX XXXX XXXX claim to have in their possession, in order to verify authenticity! Furthermore, when a law has been violated, the State authorities such as the court can fine the person or company for any and all wrong doings. Furthermore, the State of Nevada can remove recorded documents since this document can be obtained by the lender or servicer for fraud purposes when the original documents are lost! This is the reason why we are requesting the servicer to allow us to view the original documents with a document examiner to verify authenticity! So, First American stated that this Deed of Trust that First American recorded can not be removed is a false statement! With this being said, does XXXX XXXX XXXX know of any Nevada law that allows companies to record legal document illegally without any recourse? Does First American know of any Nevada law that requires the XXXX County Recorders Office to keep existing documents on the recorders website when the document was not recorded properly? Is XXXX XXXX XXXX aware that a court order can remove this recorded Deed of Trust from the recorders office due to improperly recording which violates Nevada law?
In our last CFPB complaint, First American further stated ; to put it in another way, XXXX XXXX could not demonstrate any harm or loss even if a copy of the Deed of Trust were recorded. First, went a law is violated ; the person or company responsible must be held accountable for their action. Second, when a bank, servicer commits fraud, it affects everyone as you had seen in the mortgage crises in XXXX! If the investor looses the original note and the original deed of trust, the investor, servicer or the trustee can not legally enforce the note and deed of trust! When a modification occurs, the investor, servicer or the trustee must maintain the original Deed of Trust in order to make the modification valid! When a company loses the original mortgage documents, such as the deed of trust, the company can go to the recorders office and retrieve a copy of the Deed of Trust when its not recorded properly in our case! When a title company does not record a legal document properly, that action can cause potential fraud which affects everyone including us. These issues have caused us unnecessary stress and anxiety. Furthermore ; if the modification agreement becomes null and void, we could possibly lose our home due to these bad business practices! So, with this being said, XXXX XXXX XXXX actions have in fact caused us additional mental and emotional distress which has been pointed out above! These companies can retrieve the recorded copy of the Deed of Trust to show proof of ownership! So, how can XXXX XXXX XXXX state in writing that we have not demonstrated any harm or loss even if a copy of the Deed of Trust were recorded?
We request that First American answers all of our questions and under penalty of perjury! Since First American Failed to address all of our issues, the complaints will be used in a court of law to determine if First American violated our laws and to hold First American Title accountable for their actions! Furthermore, we are not harassing First American as they stated in multiple CFPB complaints. We are seeking the truth and justice against people and companies that have violated consumer rights and violated our laws!
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| 09/29/2021 |
Yes |
- Debt collection
- Mortgage debt
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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 First American Title ( FAM ) and XXXX XXXX for breach of contract, fraud, deception, conspiracy to defraud ; fabrication of documents, aid and abet fraud, bigamy, bad faith and other illegal activities. Demand for Promissory Estoppel to compensate {$130000.00} under XXXX XXXX.
Dear CFPB, Please find my complaint against First American Title Company and XXXX XXXX XXXX for their breach of contract and other illegal activities.
On XX/XX/XXXX First American Title ( FAM ) lawyer XXXX XXXX XXXX sent me an robo-signed letter which contained numerous false and misleading statements and wrongful refusal to compensate me under XXXX XXXX No. XXXX.
First, this letter contained lawyer XXXX electronic signature which can be attached by anyone and which does not match her wet-ink signature.
Second, lawyer XXXX XXXX XXXX has a personal conflict on interest to handle my claims since she is a Mortgagee with alleged lender XXXX XXXX XXXX XXXX XXXX who is a part of my dispute.
Third, this letter was prepared by someone else who used lawyer XXXX name and contains false and misleading information as following : 1. The letter mentioned that I " signed '' an Affidavit of Morgagors and Estoppel Certificate ( which is commonly used in rental transactions and I am not sure how it is related to Title Insurance Companies policies ).
I do not have this Affidavit in my records. I do not recall signing such Affidavit. I did not find this Affidavit in files provided by XXXX XXXX ( XXXX XXXX ) to XXXX, who sent it to me several times. I looked at every page - no Affidavit.
Here are no references to any " Affidavits '' in lawyer XXXX robo-signed letter of XX/XX/XXXX. See attached.
In FAM respond to CFPB they did not mentioned any Affidavits signed by me.
I demand XXXXXXXX XXXX, FAM and its other than XXXX XXXX XXXX employee to provide me a copy of this Affidavit purportedly " signed '' by me and provide me the name and contact information to the custodian my records where my original documents, including this Affidavit, are held, so I can contact them directly and request a copy of this Affidavit along with my fully assigned Promissory Note Please explain why FAM involvement was not disclosed in RESPA before the closing.
2. This letter falsely stated that I purportedly " acknowledged '' that incident to the closing of the mortgage upon said land, the Morgagee caused the sum of {$130000.00} to be paid to the undersigned ( me ) a. This is a very weird language for a legal document since the name of the alleged " Mortgagee '' is not even stated. So, who was the alleged " morgagee '' - XXXX XXXX XXXX, XXXX who sent me a Commitment prepared by XXXX XXXX 's XXXX or XXXXXXXX XXXX XXXX XXXX who worked as a messenger for XXXX XXXX XXXX Please clarify.
b. This is not true. Nobody paid ME any sum. Here was some secretive movement behind the scene in XXXX XXXX XXXX, but when I went to XXXX XXXX and requested a proof of payment from alleged " Mortgagee '' XXXX XXXX XXXX 's XXXX XXXX XXXX became very rude and refused to give me requested proof of lending. Please provide me material proof that money were PAID to me ( copy of wire transfer, cancelled check, ACH ) and by whom.
This is XXXX XXXX and FAMs obligation as my Title Insurance Companies.
3. FAM insisted that their involvement is limited to be merely " underwriters ''. This is not true. XXXX XXXX are Underwriters, Issuers and Insurers with a binding legal contract with me. It states on page one of the policy. XXXX XXXX claimed to be an Issuer, which placed them under contractual liability to perform even though XXXX XXXX merely collect signed Mortgages and Notes for someone who is never disclosed to home buyers after this someone behind the scene tell them to do so. XXXX Titles does not perform any " issuers '' functions, they merely pose as " issuers '' to deceive clients.
4. FAM insisted that " my issues '' are around " actions taken by my Lender '' ( presumably XXXX XXXX XXXX XXXX XXXX XXXX? Please specify whose actions FAM robo-signers meant ) This is not true since XXXX XXXX was not a Lender and did not took ANY actions, starting from origination which was done by XXXX XXXX XXXX XXXX XXXX XXXX with whom you personally have relationship as a " morgagor '' which put you in conflict of interest to handle my complaints against the same party ).
According to HUD 's official respond, they have NO records about my alleged " loan '' with XXXX XXXX or any following " assignments '' or " transfers ''. See attached.
5. FAM stated that my claim is denied since here is no challenge to my ownership based on Deed provided to me by XXXX and XXXX XXXX. This is not true.
First, this statement contradicts with First American Title policy ( which is a legally binding contract between me and FAM ) which covers post-closing forgery and fraudulent transfers.
Second, a group of delusional racketeers from XXXX XXXX ( Caliber is a part ), now XXXX, claims some rights to my property based on clearly forged Assignment prepared by someone ( XXXX XXXX ) who acted under glimpse of " XXXX XXXX '' while skipped XXXX and XXXX XXXX 's Trust and Trustee ( who also claim to be owners of my alleged obligation ) over a year after XXXX started to claim its non-existing " rights ''.
All documents, including FAM letters, are coming from someone else electronically signed or not signed at all.
All so-called " servicing '' activities such as collection of my payments- are conducted by someone else like XXXX, XXXX XXXX Third Party Payments Company - while nobody tell me whom they are servicing and who gave them any authority to collect from me any money - moreover, claim " rights '' to my property.
Which is all covered by FAM 's Policy under paragraphs 3, 6, 9 and 10 since I signed documents with someone who was not disclosed to me as well as nobody disclosed the real nature of my transaction and fraudulently transferred Title in my property via forged Assignment prepared by impersonators like fake VP of XXXX XXXX XXXX who never worked for XXXX
According to First American advertisement and my policy provisions, FAM MUST investigate all my complaints and compensate me for all damages.
FAM, who themselves are deeply involved in this fraud with forged Assignments via its subsidiaries Security Connections ( part of First American ) or directly themselves. For example, in XXXX Security Connections helped XXXX XXXX Bank to steal home from XXXX XXXX in New Jersey using XXXX robo signed by XXXX XXXX in XXXX. XXXX went incorrect date order chronologically from B to C BEFORE it went from A to B. ( See the assignment ). In XXXX Idaho Attorney General refused to investigate this matter and lied to XXXX that XXXX XXXX does not exists due to its merger with First American.
However, in XXXX a non-existing XXXX XXXX collected a Discharge of Mortgage purportedly made by XXXX for XXXX family, on the same manner how First American collects alleged XXXX XXXX XXXX mortgages for XXXX XXXX XXXX XXXX XXXX along with forged Releases prepared by XXXX VP XXXX XXXX XXXX who never worked for MERS, all at the same address XXXX XXXX XXXX, XXXX XXXX, ID.
Clearly First American is willfully and actively engaged in these criminal activity and bigamy. By one hand FAM sells bogus Title Insurance Policies via sham conduits without any intent to comply with its contractual obligations. And not shy to lie homeowners and fabricate non-existing Affidavits and Estoppel Certificates My other hand FAM destroy these property Titles using same faux Lenders and Servicers as a cover up. It is clear that none of the correspondence or notices received by me and other homeowners, including letters from XXXX XXXX XXXX were in fact prepared or sent by or even on behalf of any company named as a Servicer. Companies like XXXX XXXX and XXXX XXXX ( which was a part and partner with First American ) who do all of that and do it on behalf of the hidden securities firm that calls itself an investment bank or commercial bank. The designation or naming of a Lender or Servicer, just like the designation or naming of a trustee, trust, or substitute trustee, is an illusion.
In my situation, none of the companies claiming to be a servicer ( XXXX XXXX, XXXX XXXX XXXX, XXXX ) is not the actual recipient of funds paid by me and in no case is the company disbursing money to creditors because it never received them from anyone.
Thus none of them have rights to claim any interest in my property or demand any payments from me which is covered by my policy related to pre-closing forgery, impersonation and deceit and post closing forgery impersonation, deceit and fraudulent transfers.
Yet, FAM repeatedly breach their contractual obligations, send me robo-signed letters via its messenger girl XXXX XXXX XXXX who has flagrant conflict of interest to be involved in this communication at all ; and even lie about some Affidavits purportedly signed by me.
I demand FAM and its other than XXXX XXXX XXXX employee to provide me a copy of this Affidavit purportedly " signed '' by me and provide me the name and contact information to the custodian my records where my original documents, including this Affidavit, are held, so I can contact them directly and request a copy of this Affidavit along with my fully assigned Promissory Note Please provide me material proof that money were PAID to me ( copy of wire transfer, cancelled check, ACH ) and by whom.
Compensate me {$130000.00} for fatal damages to my property Title as promised under the Policy.
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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 First American Title and XXXX XXXX XXXX as XXXX XXXX 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, First American Title and XXXX XXXX XXXX - 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 XXXX 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 XXXX 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 XXXX affiliates, XXXX XXXX or XXXX XXXX ) The actual Claim processing Agent XXXX XXXX XXXX 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 XXXX who used his own funds. Without actual money here can not be mortgages. Nobody can demand properties as collateral for non-existing loans First American 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 Policy deceptively say they do.
Now XXXX and XXXX are saying that the policy does not cover the recording of the mortgage lien. When they must explain how I can get a policy that does cover the that lien 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 XXXX, 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, XXXX and XXXXXXXX XXXX to compensate me as promised in their XXXX 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 First American, XXXX, and XXXX XXXX will again unjustly refuse to compensate as promised ; I have to proceed with the Court Action where XXXXXXXX XXXX, XXXX, XXXX and XXXX will definitely spend more than {$200000.00} on their legal fees, which XXXX promised them to cover, of course from litigation insurance Looks like XXXX, XXXX and their accomplice-impersonator XXXX XXXX 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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| 05/01/2018 |
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 |
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This complaint contains NEW information. First American has scheduled a foreclosure sale for my home on XX/XX/XXXX and recorded this with the XXXX XXXX County Recorder 's Office. ( See attached file : Trustee Sale Recorded With County Recorder ). This is a total violation of federal consumer financial law. In accordance with the letter enclosed with the notice of default, in the third sentence I disputed the debt. ( See attached file : Dispute ). The letter datedXX/XX/XXXX stated : " The law requires First American to suspend its efforts to collect the debt ( through litigation or otherwise ) until First American Title Insurance Company mails the requested information to you. '' ( See attached file : Trustee-First American ).
When a consumer disputes a debt, the debt collector may not continue to collect the debt or contact the consumer again until the debt has been properly validated in accordance with legal standards. In this case foreclosure is debt collection because the debt was obtained after it was already in default. In fact I went into default in XX/XX/XXXX and have remained in default the entire time. I have not made a mortgage payment since XX/XX/XXXXwhich means the statute of limitations has run as well. ( See attached file : XXXX CREDITOR ).
First American did not mail me anything to validate the debt as the letter stated. Instead, First American forwarded the dispute to XXXX XXXX XXXX XXXX XXXX which is a debt collection agency disguised as a mortgage loan servicer and a complete and total violation the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. XXXX then provided documentation that did not conform with the legal standards to validate the debt. ( See attached file : Improper Debt Validation ).
Also when the loan is sold to a new creditor, the new creditor must prove the loan was assigned to it with documentation such as a bill of sale or receipt from the previous creditor. I refinanced my mortgage with XXXX XXXX inXX/XX/XXXX. The FDIC then sold XXXX to XXXX. XXXX and First American both contend XXXX XXXX is the new creditor. However the Assignments of Deed of Trust do not hold up in court as it is a well established fact XXXX never acquired any XXXX loans.
This was one of the issued involved in my dispute. ( See attached file : Dispute ). I have now obtained the actual Assignments of Deed of Trust recorded with the XXXX XXXX County Recorder 's Office. ( See attached file : Fraudulent Assignment of Deed of Trust ).
As part of my dispute I reference a law suit agsint First American in which the court explained that In XXXX v. XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX : " The foreclosing bank had offered no evidence to establish that XXXX XXXX XXXX had the beneficial interest under the XXXX deed of trust to assign to the Bank. ( Ibid. ) The court believed the assignment of the Deed of Trust was hearsay, so the overall truthfulness of the assignment of the deed of trust remained subject to dispute as well.
The attached California Assignments of Deed of Trust are consistent with the courts decision in XXXX v. XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX. As a result there is nothing to prove XXXX XXXX was assigned the loan from the previous creditor. ( See attached file : XXXX v. XXXX XXXX XXXX XXXX ). Notice however this was a law suit agsint First American in which the court reference the case law. Since this case was decide onXX/XX/XXXX, there has been nothing to overturn it and no reason to believe it ever could be. Also enclosed is deposition testimony from a separate case that proves these Assignments of Deed of Trust are fraud. As a result First American has no excuse for scheduling a foreclosure sale for my home.
Therefore First American has violated the law. 15 U.S.C. 1692f ( 1 ), Taking or threatening to take any non-judicial action to effect disposition or disablement of property if, e.g., there is NO PRESENT RIGHT OF POSSESSION of the property claimed as collateral through an enforceable security interest is prohibited under the FDCPA. XXXX XXXX XXXX has no present right of possession and neither does XXXX.
First American has ignored this and scheduled a foreclosure sale for my home on XX/XX/XXXX. This is a total violation of federal consumer financial law. The CFPB published an announcement that it would partner with the FTC to combat illegal debt collection. ( See attached file : CFPB and FTC Combat Illegal Debt Collection ). Evidently neither XXXX not First American have any regard for these government agencies.
On XX/XX/XXXXFirst American stated the file was suspended and no date has been set for the subject property. ( See attached file : Foreclosure Suspended ). Three months have passed without any communication from either First American or XXXX and now suddenly without providing any further documentation to validate the debt, First American has schedule a trustee sale forXX/XX/XXXX.
OnXX/XX/XXXX First American mailed me a notice that was backdated to XX/XX/XXXX and told me unless I take legal action to protect my property it may be sold at public auction and if I want an explanation to contact a lawyer. ( See attached file : Mail fraud ). Given onXX/XX/XXXXFirst American already informed me the file was suspended, it is not possible on XX/XX/XXXX for First American to inform me my property may be sold at public auction. On XX/XX/XXXX First American also informed me it received my notice to cease and desist. ( See attached file : ( Cease and Desist ).
In addition to 15 U.S.C. 1692f ( 1 ), First American has also violated 807. False or misleading representations ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
806. Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
808. Unfair practices. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
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| 06/01/2018 |
Yes |
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Web |
Servicemember |
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Our FHA Loan closed on XX/XX/XXXX and XXXX XXXX XXXX XXXX ( XXXX ) was in charge of the Escrow Closing. Our Escrow Agent, XXXX XXXX, was signed on as of XX/XX/XXXX to handle ALL documents, funds and payments of Escrow. XXXX XXXX DID NOT finish Escrow and allowed the Lender, XXXX XXXX ( XXXX ) to receive funds and waive our rights to a final inspection, without our knowledge, causing us severe damages. These damages could have been prevented, if she would have followed ALL instructions at Closing.
XXXX XXXX allowed XXXX to waive our final inspection REQUIRED after " works '' for Repairs were done. XXXX waived this right on XX/XX/XXXX without disclosing this to us. It wasn't until I did a QWR in XX/XX/XXXX that this was finally disclosed to us.
All changes to the Purchase and Sell Agreement had to be in writing. I have asked both XXXX and XXXX for the disclosures to show they put the waiver of the final inspection by the ORIGINAL inspector in writing and neither company can provide this.
The Holdback agreement for repairs states : " Another inspection, completed by the original inspector AND satisfactory to the Lender will be required, before ANY funds SHALL be disbursed by the Escrow Account. '' XXXX XXXX released funds to XXXX the Closing Date XX/XX/XXXX. Repairs were not finished until XX/XX/XXXX, therefore violating her Escrow agreement with us.
XXXX was to disburse ALL funds by ESCROW CHECK or Wire Transfer to the contractors, brokers, etc. XXXX is a third party that was not allowed to receive funds for other contractors, unless we gave them specific instructions and disclosed on closing documents. Since this was not done, This gave them the power of Fiduciary over our loan and the capability to be self-serving and protect their interests, not ours.
Any changes to the contract had to be approved by us in writing. The Holdback agreement was updated by XXXX on XX/XX/XXXX, and signed by us. At this time, the final inspection and XXXX appraisal were still required. They did not disclose they had already waived our right to the final inspection or that XXXX would not require one to be done for the water intrusion damages. It took us 4 years to figure out why the " works '' were never inspected, as required by ALL contracts. These water intrusion damages have affected our living conditions with mold, moisture and possible structural damages.
XXXX attorney XXXX XXXX stated in his investigation, he was not able to find any mutually executed instruction from the seller and buyers regarding WHO TO DISBURSE THE HOLDBACK AMOUNT. It is clear in ALL directions that XXXX is to issue ALL checks directly from Escrow.
XXXX had sole authority over the Holdback agreement, ONLY because XXXX-XXXX XXXX gave them that authority. If the requirements were followed, XXXX would have had to sign the holdback to release funds after the inspections were completed, state who did the final inspection, then funds would have been released from Escrow to the Contractors after the Mechanic Liens were checked for.
1. How did XXXX XXXX guarantee that XXXX was going to take the funds and apply them appropriately to the contractors?
2. How did she verify the mechanic liens were checked for? One contractor did not receive payment and had to contact me to get paid on XX/XX/XXXX.
3. How did he verify the Original Inspector did the final inspection?
4. How did XXXX protect us by giving funds for contractors out of Escrow, to a third party that was not approved or disclosed to us?
5. The original bid was to match the receipts, but they did not. How did XXXX XXXX allow this to pass. She did not have control of the Escrow documents. She released them to XXXX, which violates her agreement with us.
The Seller and Buyer agreed that ALL REPRESENTATIONS AND INFORMATION regarding the PROPERTY and TRANSACTION are SOLELY FROM THE SELLER AND BUYER. How did XXXX breach Escrow? How did they convince XXXX XXXX to release funds that did not belong to them? How did XXXX XXXX allow XXXX interests to be put above ours? This would take collusion on both sides and is very self serving.
We put our trust into XXXX and XXXX to do what was in our best interest at all times. Waiving final inspections without disclosing it to us and taking funds from Escrow and giving it to the Lender, without prior disclosure or our permission, is a breach of escrow. This allowed XXXX to finagle receipts and numbers, waive final inspections and do what was in their best interest, ignoring what was in the best interest of the client.
If any Escrow/Title Company can change Contract Terms after closing, without disclosing it to their client, is very self serving and doesn't protect the sanctity of Escrow. We trusted that our contracts would be followed " AS WRITTEN '' and any changes would be disclosed to us. Small errors in Escrow cause major damages. XXXX-XXXX XXXX put XXXX interests above her clients and the contract we signed with XXXX.
Every Document/Contract I have states that XXXX was to hold and disburse ALL ESCROW FUNDS and make sure ALL CONTRACTS WERE COMPLETED AS WRITTEN. We can not sell our home. The water intrusion has ruined the entire bottom floor. XXXX is trying to profit from our demise, by foreclosing on us. All our funds have gone for Attorneys to fight to get the Condo Association, who would have been responsible for this if XXXX would have had the final inspection to disclose the damages, were not fixed properly. Instead, waiving our rights, weeks prior to closing allowed for fraud. XXXX XXXX should have followed her contract and stayed neutral, ensuring everyone in this deal did their duties.
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| 02/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I have a closing of my property located at XXXX XXXX XXXX XXXX, XXXX fl XXXX, was handled by the title company XXXX XXXX XXXX XXXX OFFICE XXXX XXXX DIRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX It was impossible to get a complaint through this web side to the TITLE COMPANY WHICH VIOLATE RESPA SECTION 10 ESCROW ACCOUNT.
The closing of my property located at XXXX XXXX XXXX XXXX XXXX fl XXXX, was handled by the this title mentioned above.
The title company had various violations with my closing and Real estate Business according to RESPA, section 10 escrow, contract agreement, ethical business laws and settlement procedures.
According to RESPA, all escrow accounts are utilized to pay off any debt owed within the property being sold. XXXX XXXX XXXX XXXX XXXX contacted me for over payment, the the invoice was {$730.00} and the title company sent {$1000.00}. The title company has yet to report any over payment to me, and has been almost 5 month and XXXX XXXX XXXX XXXX, keep the money in escrow and did not pay yet. I found out all through the water company, I believe this was done on purpose in order to keep the over payment without any suspicion, if this title would done this to 10 clients it a real economic fraud.
the lady, from bill payment of water called me many times to tell me, she did not understand why it was over payment, her boss told to give back that check and since that this title company has no pay this bill.
the original contract for this property listed in the XXXX was paying 3 % for buyer and 3 % for seller, The title company reduce my commission because the number for her did not workout and finalized the closing. i have to signed because this title company also has my profit check and also i gave all the bill has to be with this closing, XXXX, water, XXXX. conclusion this title company make looks in paper everything and the XXXX XXXX the closing agent never gave her face, at the beginning is a new person and at the closing her manager..
Also i had a loan, a hard money loan in that house of {$200000.00} buy that time i closed it has been increase {$210000.00} because i did not pay since started the conventional loan, it was almost 5 months, .The title company was aware of all these transactions and they utilized this because for all parties this closing was very long My concern about this title company, when i went to XXXX XXXX XXXX XXXX, for 6 months, XXXX XXXX went for 6 employees, she make me a quick claim deed. to XXXX XXXX, and i did not want to do it because i ready did that quick claim deed to XXXX XXXX XXXX TO XXXX XXXX, i did not know why because i was on record owner, maybe for taxes any game she knows to do with taxes discount of for her convenience makes me afraid because i do not trust her office.
I do not really trust her because i saw claim for medicare and she is a a lawyer her husband is a realtor, and both they trick there clients and make everything looks perfect in the papers. everything appear as perfect deal.
i wish to claim my 3 % commission fee that is rightfully owed to me. I also want all debts paid according to our contract agreed upon. I also need all liens removed from my property in order to be able proceed with my business.
I felt frustrated with the CONSUMER FINANCIAL BUREAU, because it does not have jurisdiction over title company, and also she is a lawyer and very terrible that she knows how to move it. She is very hard caught her, she has a little team 3 persons, manager and a ex lawyer who lost his licensee revoke, her husban who is a realtor worked with them is same office.
everything i did in XXXX XXXX, and she acts like worked too, XXXX XXXX get the firs client she did like a circus, she puts the bells to ring and finally gave me a bottle of wine when i closed the first deal. Charged me what i did not expecting it ( I felt weird because i have been working in different field but connecting, since XXXX, telemarketing mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, and right now i am XXXX since XXXX ) I did another closing with her XXXX XXXX XXXX XXXX, i told the XXXX XXXX the closing agent, i told how much charge me because another lawyer charge me 4 %,. She said " it will be like XXXX for something and another XXXX for another, i said ok because the price it was XXXX XXXX, almost 1.5 %. when i asked for a PREHUD, her employee came without real estate commission and looks like i am getting a lot of profit, i get excited but the lady did not done well her job, did not consider the real estate commission. That is one of the tricks put low number and at closing make everything for her side.
with this first closing XXXX XXXX XXXX XXXX XXXX, i sent you the bill of power because she charge me 4 % and maybe she made up utilities bills to charge more money.
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| 12/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I made an inquiry on XX/XX/XXXX. In the inquiry I raised some questions. I wanted to request a Validation of Debt Letter from XXXX XXXX XXXX , XXXX as well as ask for a Full Re-conveyance of my Mortgage Account Number XXXX because the loan had been discharged. They said the discharge of the debt doesn't allow anyone to collect a lien that has been discharged form me. They said they would have a right to enforce a valid lien, such as a mortgage or security interest, against a property after the bankruptcy. The state as such, we ( XXXX ) will not process a lien release. I told them that I believe the mortgage to be satisfied with federal relief funds. I requested mortgage accounting records of the account XXXX, and it says an intake off large amounts of cash on certain months in XX/XX/XXXX. There were entries or {$99000.00} ; {$36000.00} ; {$15000.00} ; {$24000.00} ; XXXX ; {$9900.00} ; {$9900.00} ; {$48000.00} ' {$86000.00} ; and the list goes on. These amounts are on page dated XX/XX/XXXX to XX/XX/XXXX of the XXXX Transaction History for the Account Number XXXX.
I am a XXXX protected veteran of war time and I feel that I have been lied to for far to long. XXXX did this with me on my Second Mortgage of which was tied to the first mortgage. The account was liquidated in XXXX and XXXX wouldn't allow me to have access to my account information. In the end XXXX coached me to make a short pay offer and so I did. They accepted it and sent me a recorded Full Reconveyance of my Second Mortgage, Account Number XXXX.
Now I have a short pay offer in to XXXX for my first mortgage. I am hoping we can put this behind us.
I have a letter from XXXX dated XX/XX/XXXX. It states that XXXX XXXX XXXX XXXX, as Trustee, on behalf of the registered holders of the XXXX XXXX XXXX XXXX XXXX XXXX Trust 2005 WMC2, Mortgage Pass-Through Certificates, Series 2005-WMC2 is the OWNER of the ACCOUNT, and XXXX is the mortgage servicer of the account. Why are they saying that XXXX XXXX XXXX XXXX is the account owner? Wouldn't I own the account and wouldn't XXXX XXXX XXXX XXXX be the Trustee for the Investor? Something just doesn't add up here. The list any legal notices should be sent to " Legal Notices Processing Group XXXX XXXX XXXX XXXX XXXX, MD XXXX.
So they give me this address, but then say that any questions or disputes regarding the account and any questions for mortgage assistance should be directed at XXXX in order to ensure a timely response and resolution.
They also tell me to provide proof that my mortgage has been satisfied by federal relief funds, and then they will process the request for Full Reconveyance.
The other strange thing was that I received the recorded full reconveyence of the second mortgage from First American Title. It says that First American Title Insurance Company is the Trustee, not XXXX XXXX XXXX XXXX? it goes onto say that as Trustee under the Deed or Trust dated XX/XX/XXXX, made by me XXXX XXXX, Trustor, and recorded as Instrument XXXX On XX/XX/XXXX, in Book ...., at Page No. -- -, of Official Records of the County of XXXX XXXX , State of California .
Then it says, " Having Received from the holder of the obligations on the property described in said Deed of Trust, a written request to reconvey, do hereby reconvey without warranty, to the person or persons legally entitled thereto, the estate held thereunder, Dated XX/XX/XXXX.
So this seems odd that it states Holder of the Obligations. Who is the actual Holder of the Obligations. What Obligations?
Is First American Mortgage Insurance the company that has paid off the mortgage and the First American Title Company holders of Note and Deed of Trust until which time the Owner of the Account gives them notice to file and record the Full Reconveyence? If that is the case, I would assume I am he owner of the property, therefore the owner of the account. XXXX XXXX XXXX XXXX maybe not be the Trustee any longer as it appears that First American Title Insurance Company is the trustee who will be granting me the Full Reconveyence?
Thank you, XXXX XXXX
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| 05/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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The XXXX ' claims relate to substantive defects in " Respondent '' documents that should have forbid these parties from recording any legitimate notice to a trustee 's sale for lack of authority. but they used the documents anyway ... It is the key issue - the trustee 's deed upon sale is based on forgery there can be NO right to possession superior to the XXXX '. possession in the XXXX remains superior to any contrary right of possession obtained fraudulently. The sale was not properly noticed by a party entitled to notice it. If the assignment, substitution of trustee, and notice of sale are materially false, these documents are " presumed groundless and invalid '' pursuant to A.R.S. 33-420. " TRUSTEE 'S DEED '' GENERATED BY SUCH VOID DOCUMENT, WOULD BE INVALID THIS TRUSTEE HAS A DUTY AND ITS FIRST DUTY IS : Trustee Sale Guarantee ( TSG ) is a title guarantee issued at the start of foreclosure. It assists the foreclosing beneficiary and trustee by delivering information needed to ensure compliance with state foreclosure statutes. FFIRST AMERICAN TITLE COMPANY AS TRUSTEE VIOLATED LARGENTS NOTICE OF RESCISSION AND NOTICE OF DEFAULT WHEN THEY PROCEEDED TO FORECLOSE AND SOLD THE PROPERTY AT ISSUE ( TS No. : XXXX TSG No : XXXX ) : XXXX XXXX XXXX. dba XXXX XXXX In fact, even if " Respondent '' were entitled to foreclose, you can not misrepresent material facts and commit fraud to do so. A.R.S. 33-420 is violated, and the XXXX ' claims for those violations are not waived by A.R.S. 33-811 ( c ), which merely provides limits for contesting the notice requirements for an otherwise valid trustee 's sale. The use of false assignments and resultant false deeds rendered " Respondent '' claim to possession inferior to the XXXX '. See, In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( after granting trustee bare legal title, grantor of trust deed retains all other incidents of title ). I/We received the Notice of Substitution of Trustee dated XXXX/XXXX/XXXX ; Notice of Trustee Sale dated XXXX/XXXX/XXXX ; Statement of Breach or Non Performance dated XXXX/XXXX/XXXX. XXXX 's have made formally dispute Dated and Signed : XXXX XXXX XXXX : 1. There is no delinquency or default. The Lender has been paid in full plus a fee for standing in for an undisclosed third party lender that was not properly registered or regulated as a nancial institution or lender at the time the transaction took place. 2. The " Respondent '' has failed to state the name or address of the holder in due course, XXXX XXXX XXXX-XXXX, being the holders of certicates of asset backed securities, which are backed by the security instrument ( mortgage ) on the subject residential property. 3. The " Respondent '' does not own, possess or control the note or the mortgage, which has been satised in full. 4. Your authority as Trustee has also been transferred to the Trustee of the pooled mortgages and/or notes on various properties, real and personal, that were included in an asset pooled that was eventually securitized and sold to investors, who along with others in the chain of securitization acquired rights and obligations to the note, mortgage, and stream of revenue eventually due to the investor. 5. Because of the known presence of necessary and indispensable parties to any dispute that the true holders in due course might have against me, only a judicial proceeding in which all parties are included will provide a fair determination of the rights, obligation and title to the property, mortgage and note. 6. The " loan closing '' was in fact a scheme to trick me into issuing a negotiable instrument that was pre-sold to investors as an unregulated security. The parties and their fees were not revealed nor was the true APR disclosed, as it was inated considerably by the intentional overstatement of the appraisal on the property.
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| 02/25/2016 |
Yes |
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
Servicemember |
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XXXX Attorney In Fact XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. Servicer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, as Trustee For The Certificate Holders XXXX XXXX, Asset-Backed Certificates, XXXX XXXX has made bold assertions that the Note was placed in the Asset Backed Certificates, XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX as Trustee.
By Reviewing these documents It 's clear that the Representatives for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have committed fraud by ; filing false and forged Documents in the XXXX XXXX XXXX XXXX Office and Arizona Courts, which is a criminal offence.
See Exhibit XXXX Page XXXX : 1 ) Dated : XXXX XXXX, XXXX " Notice of New Creditor '' Alleged Bank XXXX Document Fails to Identify The Bank XXXX XXXX XXXX XXXX as " Trustee '' for Certificate holders.
This account was assumed while allegedly in defaulted. There was never a contract between them and the Largents! So all their actions are as debt collectors! And the Statute of Limitation is 3 years! This applies to unsecured investors!
See : Exhibit XXXX Pages XXXX & XXXX 2 ) Dated : XXXX XXXX, XXXX " A Corporation of Deed of Trust Arizona '' Stamped by First American Title ; Recorded at the request of XXXX XXXX, MERS not XXXX XXXX assigning Beneficial right to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, as Trustee For The Certificate Holders XXXX XXXX, Asset-Backed Certificates, XXXX XXXX Also, XXXX XXXX, XXXX " Substitution of Trustee '' with no Authority or Secured Interest!
Exhibit XXXX XXXX XXXX " Bankruptcy Case No. XXXX '' 3 ) ( Entered : XXXX/XXXX/XXXX ) Motion for Relief from Stay ( XXXX fee ) Re ; Real property, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX XXXX XXXX XXXX FKA ( Attachments : # XXXX Exhibit " A '' Note # XXXX Exhibit " B '' DOT # XXXX Exhibit " C '' Assignment # XXXX Exhibit " D '' - Surrender ). XXXX XXXX, XXXX XXXX The XXXX 's Original " Note '' Original " Deed of Trust '' was not in their possession as claimed by the Attorneys and I believe it is still not in their possession as claimed or it would have been presented as demanded XXXX XXXX. See : Exhibit XXXX page XXXX A. Exhibit XXXX Page XXXX : " QWR '' RESPA QUALIFIED WRITTEN REQUEST UNDER THE Federal Service Act, which is a part of the Real Estate Settlement Procedures Act, XXXX U.S.C. XXXX XXXX XXXX XXXX.
Dated : XXXX XXXX, XXXX To XXXX XXXX, Via Certified Mail No. XXXX " Notice to Principal is Notice to Agent. Notice to Agent is Notice to Principal '' XXXX Exhibit XXXX Page XXXX : Notice of Default of QWR Dated : XXXX XXXX, XXXX along with Notice of Errors ... Supported by Verified Statement with all the unresolved Title Issues and the many Laws violated.XXXX XXXX XXXX XXXX XXXX has failed to validate their authority as agent also XXXX XXXX XXXX " Attorney In Fact for " XXXX., and the Alleged Beneficiary '' '' NONE '' have presented or sent to the XXXX 's their verified affidavit of Assignment, power of attorney, and certification.
First American Title Insurance Agency is required to conduct an investigation, and if your Agency fails to find probable cause, or fails to prosecute its licensee for discipline or fails to refer to the U.S. Attorney or local prosecutor for criminal action ... Then your Company is not only breaching the duties and obligation that were set forth when the agency was formed, they are also going to be the subject of numerous press stories starting here.
Exhibit XXXX XXXX XXXX Federal Law gives me thirty days to dispute the validity of the debt or any part of it! All this alleged Debt and Contract is fraudulent and disputed herein by the XXXX 's.
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| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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In the past, I filed complaints with the CFPB against First American Title located in XXXX Nevada. I had filed complaint # XXXX and XXXX against First American Title. I requested to know if the lender ever made a claim on the policy of title insurance. First American Title stated ; First American res pectfully responds by stating that XXXX XXXX is not the insured on this policy and XXXX XXXX is not entitled to the information regarding the lenders policy on title insurance. That is true but when fraud has occurred which has been proven, the lenders title insurance policy must not be deemed as private information due to the circumstances! In these complaints, I asked First American Title, wh en did First American Title send our original Note and our original Deed of Trust to XXXX XXXX XXXX ? I even asked First American Title by phone, the same question. XXXX from First American Title responded by email ; stating, please see attached. First American Title sent us via email a document which reflects that our loan documents were sent to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX . The document also reflects that the package was sent on XX/XX/XXXX an d received by XXXX XXXX XXXX on XX/XX/XXXX by XXXX , tracking # XXXX . In XX/XX/XXXX , we then filed a complaint against First American Title with the Nevada Division of Insurance. Then, First American Title resp onded to the Division of Insurance inq uiry. On XX/XX/XXXX , the Nevada Division of Insurance sent us a letter stating ; according to their response, they state a copy of the Deed of Trust has not been recorded-contrary to your complaint. The information you used to base your allegations is a document which was provided to the lender prior to the date of the recording of the Deed of Trust. First American Title would have followed the lenders instructions on subsequent action and would have retained the original for recording. Now ; investors require the original document ( s ). If First American Title st atement is correct, we request the following questions to be answered and provide documentation! First, what date di d First American Title send the original documents to XXXX XXXX XXXX or any other company affiliated with our mortgage loan? Second, which company did First American Title s end the original documents with, XXXX XXXX , XXXX , USPS? Third, we also request to know how Firs t American Title recorded our Deed of Trust with the XXXX County Recorders Office. ( Ele ctronic recording or in person ) If First American Title ans wers our questions truthfully and provide documentation, we will cease and desist all complaints. We will then know if our original Deed of Trust was recorded correctly. If the Deed of Trust was improperly recorded, we will require the State of Nevada to remove the recorded Deed of Trust dated XX/XX/XXXX , instrument # XXXX from their website without any recourse again st First American Title. If First American Title fails to answer our questions truthfully and provide documentation, this will prove that First American Title did in fact send our original Note and our Original Deed of Trust on XX/XX/XXXX a s previously stated! This would then warrant an investigation by federal and state agencies which will mean that mis-conduct occurred with our ( legal ) mortgage loan documents! First American Title wi ll have violated Nevad a statue ( s ) which I will not cease and desist until First American Title is held accountable for their actions! CFPB, please review the documents provided!
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| 10/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Good Morning I hope my email reaches you in the riches of good health and happiness. I am not sure what I can do if anything but my wife and I have not stop wondering how and why we were put out of our home with no sheriff and no documents of an official foreclosure. My name is XXXX XXXX. My wife XXXX XXXX and I resided at XXXX XXXX XXXX XXXX XXXX. We purchased our first home in XXXX XXXX. During the time of our home ownership, my wife was an employee for XXXX XXXX from XXXX. I was an Account Manager for XXXX XXXX XXXX and student at XXXX XXXX University. We are the parents of XXXX sons. Why have I contacted you? I read an article involving you XXXX XXXX XXXX of XXXX XXXX the same company and or law firm that harassed and contacted my wife and I prior to the mishap of stealing our home XXXX leaving us dumbfounded years later. I have read XXXX tried to understand how we the homeowners were locked out of our home and forced to move with no paperwork asserting our official foreclosure. XXXX XXXX was the company calling us daily and we were threatened by a person from a 3rd party company associated with this firm. The man stated we would give you XXXX to move out of the home no strings attached. We went out of town and when we returned a lock box was placed on our front door. We never inquired why or how this happened. We simply moved. My wife and I were informed in our current state of residence XXXX XXXX that the statute of limitations were extended to 10 years to inquire and file a complaint for foreclosure and mortgage fraud. We were too embarrassed to fight. Because of the foreclosure still on our credit report and the fact we never were given an official foreclosure notice we do not know what happened and have discovered the home was sold and not sure who took possession of our home and was it a legal assumption of ownership. You may not be able to help us but where can we make an attempt to start a complaint. Why so long? Life and its many changes. Can we at least file a complaint and or inquiry as to how this happened and who and what principle party assumed our home? I notice you have family court on your professional profile. Where could we start to assess if this would be worth the time and effort? Whomever this was took our home without a XXXX or immediate threat? We illegally locked out of our home with all of our personal possessions still in the home. We assumed it was legal and binding at the time but there was no paperwork from XXXX County Sheriff 's or The State Of XXXX. Thank you for any assistance. I have copied and pasted the article I speak to concerning your work against XXXX XXXX. Prior to this lockbox incident we were called and threatened repeatedly by a 3rd party company who represented and asserted this law firm and their correspondence to us provided their name along with constant phone calls from their XXXX Office at this period and time of XX/XX/XXXX. I would like to see the paperwork and how this property was taken with us without one court date.
Respectfully, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX emergency contact XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a company my wife and I recollect coming up with a forbearance plan which ballooned our mortgage from XXXX at 6 % fixed to XXXX and we were informed to pay and we were instructed to pay XXXX for four months and resume normal payments which ballooned to XXXX more than our initial mortgage. Then the threats and calls began.
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| 11/15/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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There is currently a judgment in favor of XXXX XXXX XXXX XXXX XXXX recorded in the XXXX County Court of Common Pleas at GD XXXX. This was as a result of issues related to a business I owned that was forced to close in XXXX as a result of conduct related to the former owner of the company. The amount claimed was negotiated to {$150000.00} during bankruptcy proceedings approximately 4 years ago.
The attorneys for XXXX XXXXn filed Writs of Execution on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first 3 were filed against accounts we maintain with XXXX XXXX in which no funds were withheld due to the fact that all deposits are recurring electronic deposits and therefore protected. The last filing on XX/XX/XXXX, was filed against accounts we maintain with XXXX XXXX, in which recurring electronic deposits from personal wages are maintained. While there was a certificate of service signed by the attorney for XXXX , XXXX XXXX XXXX, we actually only received a copy of the first Writ filed in XXXX, XXXX.
Pursuant to the Writ delivered to XXXX XXXX, a copy of which is enclosed, Pennsylvania law provides for a debtors exemption of {$300.00}. Additionally, major exemptions under the law included most wages, the exception being for taxes, child support, and rent. While the balance in our XXXX XXXX XXXX was {$230.00}, less than the allowed exemption, XXXX XXXX deducted {$130.00} for the Writ of Execution on XX/XX/XXXX. Further, my paycheck from earned wages was electronically deposited into my checking account on XX/XX/XXXX ; even though XXXX XXXX did not freeze the accounts at the time the Writ was received, they deducted the exact amount of my paycheck for the Writ of Execution on XX/XX/XXXX. XXXX actions are contrary to the protections provided us under Pennsylvania as it is clear that these are funds from wages earned, no different than the electronic deposits received over the past several years.
We did speak with a couple of representatives from XXXX XXXX who indicated that we needed to contact the law firm of XXXX , XXXX XXXX XXXX with regard to the withdrawals from our account.
Ive also enclosed copies of communications between us and the law firm attempting to settle the debt ; while these negotiations were occurring, the Writs were nevertheless simultaneously filed.
Lastly, I do believe that my non-public personal information was inappropriately disclosed to third parties by XXXX XXXX. The existence of the XXXX XXXX accounts was disclosed to the attorneys for the plaintiff during bankruptcy proceedings ; the account with XXXX XXXX was opened after the filing of the first Writ of Execution and that information was not provided to the attorney. The only means to which that information was discovered was through the inappropriate disclosure of our personal information.
The continual fruitless filings of Writs of Executions are harassing in nature, particularly while were making a good faith effort to settle the claim. XXXX XXXX actions are clearly illegal, although they maintain theyre following the instructions of XXXX, XXXX XXXX XXXX.
At this time, we are requesting that the CFPB exercise its powers and take action against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, all of whom have engaged in unfair, deceptive and abusive acts and practices in these matters.
I am available to provide any additional information, verbal or written, at your convenience.
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| 01/05/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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I have submitted this complaint previously and do not have the proper response. To start with, I was audited from the IRS for XXXX, XXXX, XXXX and the resulted in them filing a lien on my home. Even though I provided documentation that the results were not accurate and that I did not have the means to pay the amount that they were requesting ... .due to the fact that when I refinanced my home, the mortgage was filed in the wrong county - appearing that they house was debt free. The mortgage company ( XXXX ) will only file a claim after the IRS takes the property - then they will file a claim. However, is n't Title insurance for the mortgage company actually protecting them from situations just like this? XXXX states that they are willing to work with me but that is untrue. As I had a buyer for the property they would not sign off as it would not allow them the funds to clear the mortgage and the only way that they will accept a partial payment for the mortgage is when the IRS forecloses.
The Loan Policy guarantees the lender a valid and enforceable lien, and assures that no claimant other than those noted in the policy has a prior claim against the real estate. The policy assures that the purchaser-borrower has title to the property being pledged as security for the loan. And, the policy obligates the title insurer to pay for defending against any claim filed against the title that might supersede the lender 's lien. If unsuccessful, it must also satisfy that claim should it be upheld in court.
The IRS states that it is the insurance company and mortgage company that need to adjust this situation as " In the event XXXX is unable to determine the amount of loss or damage, XXXX may, at its option, require as a condition of payment that the Insured Claimant furnish a signed proof of loss. The proof of loss must describe the defect, lien, encumbrance, or other matter insured against by this policy that constitutes the basis of loss or damage and shall state, to the extent possible, the basis of calculating the amount of the loss or damage. '' The most common claims scenario where a proof of loss is requested from the insured claimant is where there is an easement that affects the insured land that was not excluded from coverage. Typically the type the proof of loss that is provided is an appraisal.
Submitting a proof of loss does not automatically mean that the title company will then pay that amount for the claim. It is common for the title company to seek an opinion regarding the diminution of value from an independent third party, which is usually a different appraiser.
In other situations, providing a proof of loss to the title company could be as simple as providing copies of receipts that reflect the loss the insured claimant suffered. That would be appropriate in the situation where the insured claimant had to pay past due real estate taxes.
I do not understand that due to the Title company 's negligence and filing in the wrong county- I am being penalized and will lose my house in the process. I am a single parent working XXXX jobs to make ends meet and there is no help for me. In my documents that were provided to the IRS indicate " ability not to pay '' the title with IRS in first position indicates that the IRS will not negotiate and their stance is that the mortgage/insurance company needs to make the necessary adjustments.
Please advise.
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| 04/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
Servicemember |
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'First American Title Insurance Company of Texas XXXX / '' First American Trustee Servicing Solutions XXXX Largents have sent certified mail with return reciept of " Notice of Rescession to officers of First American Title Insurance Company.. XXXX XXXX as the successor Trustee Authorized Signatory.
Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent.
The Alleged creditor/beneficiary in this case is THE XXXX AS TRUSTEE FOR CERTIFICATE XXXX ASSET-BACKED CERTIFICATES SERIES XXXX XXXX 1. The live agents of respondent have joint and several, fail, refuse or neglected to lawfully respond to the Demandant's/Largent 's : Notice of Default and Notice of Default in Dishonor , Discharge of Obligation to Pay Instrument ; and, Lawful Demand for Reconveyance. Notice of Rescission Dated : XXXX XXXX XXXX.
2. LARGENTS ' CLAIM THAT FIRST AMERICAN TITLE INSURANCE COMPANY AS TRUSTEE ... MUST CANCEL THE FORECLOSURE SCHEDULED XXXX XXXX XXXX.
Under Title XXXX XXXX XXXX ( regulation Z ) part ( a ), a service does not have the rights of a holder in due course and therefore, do not have the right to foreclose.
You are hereby given notice that any attempt to foreclose on my property will be construed as prima fascia evidence that you are committing fraud.
3. Loan Information Broker, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ; Lender, XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX, AZ XXXX ; Servicing, XXXX XXXX LoansXXXX XXXX, XXXX, TX, XXXX Loan Type, ARM, Six-Month XXXX, Refinance, Loan Amount : $ XXXXXXXXXXXX Document Date : XXXX/XXXX/XXXX ***Violations*** ( A ) XXXX - FDIC Statements of Policy XXXX. Imprudent Underwriting. It 's important to note that in a refinance loan, the lender engages third party service providers as these services are required by the lender. Therefore, pursuant to XXXX ( a ) ( XXXX ) & ( XXXX ), the cost of third party service providers such as escrow related costs, lender required recording fees, notary fees, title endorsements, etc. or any other services required by the lender are considered a " Finance Charge '' if the lender requires the use of that service. Because the lender did not include these charges, the adjusted Amount Financed is {$140000.00}. Therefore, the Final Truth In Lending Statement ( Exhibit XXXX ) understates the amount of Finance Charges by the amount of {$380.00}. It 's also important to note that pursuant to XXXX. XXXX ( g ), finance charges may not be understated by more than {$100.00} for the purpose of damages or, pursuant to XXXX ( i ), {$35.00} for the purpose of rescission if foreclosure proceedings have been initiated.
XXXX. Under Disclosure of Finance Charge -- I have investigated the Finance Charge as disclosed on the Final Truth In Lending Statement ( Exhibit XXXX ) by running a 30 year amortization schedule and have noted that the total of interest the lender will receive is {$270000.00}. When added to the finances charges of {$3600.00}, the total Finance Charge is {$270000.00}. Therefore, the Finance Charge is under disclosed by an amount of {$390.00}. Please refer to the Supporting documents for the remaining violations
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| 12/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On Thursday, XX/XX/XXXX, my husband and I were contacted via email by someone posing as First American Title Company to request funds for closing our home, which was scheduled for Friday, XX/XX/XXXX. They posed as XXXX from First American and included our real estate agent, XXXX, on the email chain as well. All email accounts were fraudulent but looked legit even including a photo of our real estate agent attached to the fraudulent email. During this back and forth communication with " XXXX '', our real estate agent " XXXX '' would chime in as well, which made this scam seem even more real. After receiving the request for funds, we even confirmed the requested amounts with our mortgage broker via a legit phone call. XXXX ( mortgage broker ) called the real XXXX at First American to confirm. At no point were we made aware by XXXX that we were not actually contacted by First American to request funds, which would have tipped us off on this scam. On Friday, XX/XX/XXXX I was contacted by " XXXX '' ( XXXX 's assistant ) via phone and text to discuss the funds we were to send. " XXXX '' stated he was assisting XXXX as she was in meetings for the rest of the day. " XXXX '' does not actually work at First American, which I was not aware of because they knew everything that was being discussed in the fraudulent email chain with XXXX, XXXX, and my husband XXXX. On XX/XX/XXXX I drove to the bank and provided them with the wire instructions that were sent to me from this fraudulent email chain to wire the requested {$24000.00}. The wire instructions included First Americans name and contact info and a local XXXX XXXX account to wire funds to. At the time, I was not suspicious of any fraudulent activity since they had the correct amount for us to wire, legit names of people involved in our home transaction, our new home address, and knowledge of us closing on our home within days of this request. The wire was sent and the scammers confirmed funds were received. On XX/XX/XXXX, I was contacted again by " XXXX '' stating we needed to send an additional {$2800.00} to ensure we would not be short on closing costs. This did not seem correct to me, but I thought he just miscalculated. I still did not expect fraud. Like before, I contacted our mortgage broker who asked me for " XXXXXXXX XXXX '' contact information to discuss the request. My mortgage broker called me back and stated he XXXX the phone number I sent him for " XXXX '' and the number was linked to an escort service in XXXX XXXX, CA. He then stated, he had no idea who XXXX was in relation to First American Title Company. During this call, we went through the email chain from one week prior where he confirmed that all email addresses used in the chain were not legit and that First American would never email their wire instructions. I called my bank, XXXX XXXX XXXX, to report the fraud, as well as First American Title Company, our real estate agent, and the local police department.
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| 08/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My closing date was scheduled for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did receive the Closing Disclosure three days prior to the closing day. However, I noticed discrepancies between the last XXXX document, that I received on XX/XX/XXXX at XXXX. and the Closing Disclosure. I contacted First American Title, the title company, on XX/XX/XXXX as soon as I could to request the removal of the Owners insurance ( something that was not included in the Closing Disclosure ). Due to work commitments, I could only make this request after XXXX, but they were already closed for the day. I sent an email requesting prompt contact.
On XX/XX/XXXX around XXXX, I spoke to a representative who mentioned that the responsible person was unavailable that day, promising to follow up after speaking with her. Unfortunately, there was no response that day. On XX/XX/XXXX, the closing day, XXXX XXXX, the individual responsible for my documents, informed me that it was too late to make changes. I expressed my efforts to reach out since the day I received the document and my frustration regarding the timing of her absence. She indicated that she would ask XXXX XXXX, my constructor, if they allow the change. Then she called me back saying that to be able to make that change they needed to move my closing day for the next day but at cost of {$500.00} penalty fee.
Displeased with this arrangement, I contacted XXXX XXXX XXXX XXXX XXXX XXXX, who agreed to remove the Owners Insurance and conduct the closing on the same day, XX/XX/XXXX, to avoid the penalty. An updated XXXX document was received at XXXX, with my closing scheduled for XXXX. When the Owners insurance was removed, the Lenders Insurance increased significantly from {$400.00} to {$2000.00}, which I anticipated but found excessively high. Despite my objections, First American Title and related parties refused to adjust the amount.
Despite seeking options, both XXXXXXXX XXXX and my lender were unable to intervene, as the title company held the responsibility. Under pressure, as I had limited alternatives and stood to lose my down payment of approximately {$25000.00}, I was compelled to proceed with the closing. At the closing, I was rushed through signing, presented only with the last page of the documents, and felt pressured to sign documents without a complete understanding. While the document figures didn't match the XXXX, I was assured they were accurate, and I was urged to sign.
Additionally, I wasn't allowed to review the Lenders Insurance policy, and I was told to sign before viewing it, which was distressing. They said the Lenders Insurance was not for me ( but I was the one paying ) but for the Lender and only them would be provided with this policy after I pay and sign.
This experience turned my dream of homeownership into a distressing ordeal. The lack of clarity and pressure to sign documents I couldn't fully comprehend was disheartening.
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| 11/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2020 I closed on my mortgage refinance with XXXX XXXX XXXX ( who is transferring the loan to XXXX XXXX XXXX for servicing ). On the closing documents, it stated I was to receive via wire transfer the amount of {$480.00}.
The title company was First American Title and the escrow officer who handled the transaction is XXXX XXXX.
A few days later on XX/XX/XXXX, I received an amount of {$440.00} via domestic wire, which right away I noticed the amount was off. I checked with my bank to see if they could determine why, all they could tell me is they do not charge for incoming wires - domestic or international. The document in which I provided by First American Title for the checking account information to facilitate the wire transfer does not disclose any fees for First American Title to send the money to me.
The amount missing is also an odd amount of {$34.00}.
I've reached out to both the lender, First American Title, and XXXX XXXX at First American Title multiple times ( by email and phone ) to get an explanation as to why this differs from what is on the closing documents - I am concerned that part of the money due to me was not sent to me. The one and only person to call me back at First American Title was a supervisor who all he could tell me was that he was in the wrong department and I need to call a different department as he only handles transactions in California. I then asked him for XXXX 's contact information as the contact information listed on the closing documents was getting me no where. He provided her email address and phone number to me.
To this day, I've yet to hear back from anyone at First American Title who can tell me where my money went, that was not sent to me.
Call Log XXXX ( number listed on Closing Documents ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX ( found this number online ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX Inbound - XX/XX/XXXX XXXX ( supervisor getting back to me, left message ) Outbound XXXX XX/XX/XXXX XXXX. Left message Inbound - XX/XX/XXXX XXXX ( was finally able to connect with supervisor, gave me XXXX XXXX email address and phone number. Basically not his department ) Email Log XXXX XXXX - XX/XX/XXXX XXXX Outbound - XX/XX/XXXX XXXX Any assistance in getting this resolved would be helpful.
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| 03/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX, I had asked my Mortgage provider, XXXX Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with First American Title Company and exclude it. Neither the bank nor the First American Title Company never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company.
Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days.
I had no choice but to go for it at this time.
Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in First American Title company.
I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around XXXX weeks back.
Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand.
When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy.
This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity.
The escrow assistants name is XXXX XXXX XXXX.
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}?
Regards, XXXX
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| 01/20/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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First American Title located in XXXX Nevada was the title company that had us sign our original Note and Deed of Trust dated XX/XX/XXXX with XXXX Mortgage on XX/XX/XXXX. Per the XXXX recorder 's office, in order to record documents, a person must bring the original document ( XXXX ) to the recorder 's office to be recorded or electronically record the original document with the recorder 's office. Per the XXXX XXXX electronically filed our Deed of Trust on XX/XX/XXXX, instrument # XXXX. This was XXXX days later! Now ; on XX/XX/XXXX, I contacted XXXX and requested to know the following ; XXXX, I requested to know when the title company sent the original documents to the lender, New Century Mortgage.
XXXX, what was the date the original documents ( Note and Deed of Trust ) were sent to XXXX.
XXXX, I requested to know which carrier XXXX used to deliver these documents.
My attentions were to verify that our original Note and our original Deed of Trust was sent to New XXXX Mortgage prior to New XXXX Mortgage going bankrupt and selling this asset, Note and Deed of Trust to another investor! The information below verifies that New Century Mortgage was in possession of the original Note and the original Deed of Trust when they sold our Note/Deed of Trust!
Today, XX/XX/XXXX, I received an email from XXXX reflecting that the documents were shipped with XXXX on XX/XX/XXXX, tracking number XXXX. Please review the enclosed document ( s )! This caused another issue regarding our mortgage! Apparently, XXXX sent our original documents to XXXX, XXXX days prior to electronically recording our Deed of Trust with the XXXX. Even though the Deed of Trust was notarized, First XXXX Title was not authorized to record a copy of the Deed of Trust! Per the recorder 's office, all mortgage documents that are being recorded must be recorded with the original document! It appears that XXXX XXXX XXXX XXXX have violated state law ( XXXX ) NRS XXXX requirements for recording certain documents relating to real property.
Since XXXX XXXX XXXX and XXXX servicing mis-handled our mortgage account, we are investigating everyone that is or was involved with our mortgage. An investigation into this matter is warranted by XXXX and XXXX agencies. If any wrong doing did in fact occur by XXXX, XXXX must be held accountable for their actions.
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| 03/27/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My husband and I have received a tax notice from the XXXX County Office on XX/XX/XXXX. The notice advised us of the delinquent tax lien on the property in the amount of {$1100.00}. The notice advised that if we do not cure the delinquency by XX/XX/XXXX the property will be sent for a title search which will add {$350.00} to the amount already owed. The notice also states the property is marked to be on the XX/XX/XXXX XXXX County Tax Sale on XX/XX/XXXX.
I have gone to the XXXX County office and discussed this matter with both the County Clerk and County Treasure. The clerk has advised me these delinquent taxes are due to taxes owed in XX/XX/XXXX ; however, my husband and I purchased the property in XX/XX/XXXX. 3 years later! The delinquent taxes are owed by the previous buyer. We advised both the clerk and the treasure of this matter. They have advised me the delinquent taxes should have shown up on the title report presented at closing, therefore my husband and I are responsible for these costs. We were advised the title was CLEAR by the title company at closing ; however, this seems to remain untrue. This is a clearly violation of our Title Insurance Policy!!!!! If you look under the Covered Risks in your insurance agreement it clearly states under section 8. Someone else has a lien on Your Title, including a : LIEN OF REAL ESTATE TAXES OR ASSESSMENTS IMPOSED ON YOUR TITLE BY A GOVERNMENT AUTHORITY THAT ARE DUE OR PAYABLE, BUT UNPAID. The city of XXXX has a tax lien on the property that we were unaware of!
Please accept this as a formal claim. According to the documents we signed at closing we were promised and have the rights to a clear title. I do not know what the discrepancy is here whether it is with title company or the county but my husband and I do not and should not have to pay for these delinquent taxes. This is an urgent matter as we are about to be homeless by a discrepancy that we were unaware of. We demand some kind of legal action to take place. Please fix this matter as soon as possible. My husband and I are willing to provide you with whatever is necessary. We should not lose our house due to a mistake made by the county or title company. Thank you for taking the time to research this.
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| 07/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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I have filed multiple complaints against First American Title with the CFPB. The last complaint # XXXX , First American failed to answer all of our questions truthfully and provide documentation as we requested. THIS IS NOT A DUPLACATE COMPLAINT! Per the CFPB directors office, if a company fails to answer all our questions or fails to provide documentation, we are allowed to file an additional complaint against the company until they respond accurately! We are currently exercising our rights to file an additional complaint against First American Title. We request that First American answers all of our questions truthfully and provide documentation! First ; First American stated in the previous complaint that the lenders instructions requested a copy of the Deed of Trust to be sent to the lender with the original being retained for recording. Does First American have the written instructions from XXXX XXXX XXXX collaborating your statement? If so, please provide the written statement from XXXX XXXX XXXX ! Second ; First American Title stated that they retained the original Deed of Trust for recording but sent the copies to XXXX XXXX XXXX prior to recording. Does First American Title have any additional records such as shipping and tracking information to prove that they sent our original Deed of Trust to XXXX XXXX XXXX after recording on XXXX XXXX 2006? If so, please provide documentation ( shipping information ) on the carrier that shipped this package to XXXX XXXX XXXX which contained the original Deed of Trust! Third ; please provide which carrier, date and tracking number used to send the original Deed of Trust to XXXX XXXX XXXX !
We are not harassing your company. We are seeking the truth and justice if any wrong doing has occurred. If First American provides the answers to our questions and provides the documentation that we seek, we will cease and desist all complaints. If First American fails to do so, these complaints will be provided to the District Court of Nevada in order to help identify any wrong doing and assist the State of Nevada to prosecute the person or persons that violated the laws.
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| 07/25/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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On XXXX XXXX, 2013 I purchased property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, herein referred to as " Property ''. I provided lawful funds to pay for purchase, recorded deed and payed Transfer Taxes to the county. Approximately 2 weeks after recordation of ownership, I received a letter sent to the " Property '' addressed to my husband " XXXX XXXX XXXX '' the recorded owner. Within the letter was a " Notice of Default '' claiming the previous homeowners had defaulted on the mortgage previously held on the " Property ''. The notice stated the holders of Mortgage Debt was " XXXX XXXX and XXXX XXXX ''. The Trustee was listed as First American XXXX, herein referred to as " FATSS ''. I contacted the number listed on the notice and was asked to proved proof of ownership by scanning a copy of my deed and emailing it to them. I did and received an email back from a woman claiming to be a manager named " XXXX XXXX '' herein referred to as " XXXX ''. XXXX explain how she felt I purchased my home " subject to '' the mortgage held on the property. She further claimed I could pay them. After months of back and forth, and obtaining a restraining order barring the sale of the property, FATSS sold the property at auction to " XXXX '' who they purported was the lender. Within the documents provided as authority to sell, there is fraud by deceit ; robo-signers signing as employees of a company they are neither employeed at nor paid. Any mortgage seeking to record XXXX XXXX as either Benificiary or Nominee will have fraud by deceit, forgery and robosigning by virtue of design. XXXX XXXX has no employees to assign or sign for assignments. Any assignment claiming to be XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX or MERS ( XXXX ) is fraudulent on its own. Any Servicer, Trustee, Benificiary, Lender or Mortgagee seeking to use a document signed by an employee of either XXXX is acting in connection with fraud and Criminal Organization.
I have attached XXXX slideshows. I can print them for better viewing and mail them if necessary.
How XXXX XXXX is a XXXX and will always contain fraud XXXXForeclosure documents with pointers showing fraudXXXX
XXXX
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| 09/04/2015 |
Yes |
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- Settlement process and costs
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Web |
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When we were purchasing our home, we were told that it had a perfect " Third party inspection report '', we were also convinced that it did not have XXXX or XXXX pending on the property, Because A. They were no XXXX or XXXX listed on the disclosure or home description, the Realtor said there were none when we inquired, who was selling the home, and the Buyer who showed up at the showing, when asked if there were any building restrictions, never mentioned the XXXX against the property. After we signed everything, we got a email from First American Title with the XXXX exposed. We told our Realetor we did not want the property, he said we needed to come down and sign the amended home disclosure, and that we could get out of the property and our XXXX ernest money would be returned. We waited XXXX days as we were told, and then were told we needed to file a law suit to get our money back. We told our agent NO XXXX or XXXX 's, we asked the agent, we talked to the owner, they all denied it, as well as the intial listing and disclosour having no mention of them. We were threatened with a lawsuit or lose our ernest money. I read an article about your ORg. in a magazine, I was elated to know I could vent this, I felt totally backed into a corner, with no way out. I felt that the First American in XXXX XXXX was at fault for disclosing this info late, the realtor was at fault for not disclosing this info at all, and the owner did not disclose this info when asked. And the realtor said we could sign and disputed the amendment to the disclosure. His manager said we had to take the deal or lose our money, he even said that " nobody reads that stuff '', This place had fell through XXXX before we bought it, I know they knew of the XXXX 's. I may have to eat this house, but when I read your article in a magazine, I felt that you could confront them and there less than fare Tiltle and Mortgage practices. The Realtor was XXXX XXXX XXXX of XXXX XXXX, Wa and the Title Company was First American in XXXX XXXX, WA They knew what they did was wrong, and they intimidated us to win.
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| 09/01/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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We purchased a new home in XXXX, XXXX on a contingency basis. Our current home in XXXX has not sold and therefore we can not go forward with the closing on the new home. On the XXXX of XXXX we received from the builder a Cancellation Notice, and were told that they sold our future home to someone else. We refused to sign the Cancellation Notice, due to the fact that the form was too vague and misleading, and asked the Builder to rephrase it, and/or delete the last sentence. They refused. The Notice states : by signing this Notice we 're giving up the property ( showing addrss. ). Then also states that signing this Notice of Cancellation does not provide Buyer the guarantee that the Seller will refund all Earnest Money Deposits. We 've contacted First American Title, Agent said to us that the form is too vague, and that normally the Notice should include and disclose the total amount to be refunded, ( the builder refuses to do that ). We then contacted a local Attorney in XXXX. He suggested that there was no need to delete the last paragraph, but just the word NOT would be sufficient. The form was then signed inside First American Title 's office and sent to the builder by the agent. We asked the agent if she could refund our deposit of {$17000.00}, she answered no, unless the builder ok 's it, she further said that she represents both, the Seller and the Buyer, but it seems that First American Title is very biased toward the builder. The Nevada XXXX XXXX XXXX even asked me if I asked First American Title for the refund, I answered yes, and was refused. First American Title also told us that the new home can not be sold, until we sign the Notice of Cancellation. This morning, I called the agent and asked her if the new home was sold and occupied, she refused to answer she said, since she can not discuss any Escrow matters with anyone. Can you please try to help us in recovering our deposit back?
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| 10/31/2017 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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In XXXX of XXXX me and my family went on vacation and stayed at XXXX XXXX XXXX. We decided to take a promotional deal which was cheaper then regular price but had to sit in on a Timeshare orientation which was only supposed to be forty five minutes long and turned out to be about 3 hours long. while in this orientation we were told that it would be in our best interest to invest in one of the timeshares on the resort and how it would be a great financial investment for me and my family. The agent at the time was using very aggressive tactics to influence a decision to buy in. unfortunately we fell for the pitch and we were persuaded. We sat in a room and waited to sign documents for a Mortgage to purchase this Timeshare in the amount of XXXX. We were provided with an XXXX which had all of the legal documents which at times the print was very small and hard to make out. while i was trying to read through it i was assured that all was OK and that i had nothing to be concerned about. legal documents are long and confusing which i now understand are made to be that way for a person who 's not a lawyer, an really cant make the best decision. We were never told about a ten day clause which would 've allowed us enough time to get out of this contract before it was to late. We only read about that clause when we received our electronically signed documents through the mail almost two weeks later. We do n't want any money back, i just want to get out of this nightmare. I would n't want any hard working family to have to be in debt to this type of scheme. We later read that we would be paying for the maintenance fees well after the mortgage was paid off. We even found out that if me or my wife XXXX that our kids would be responsible for making the mortgage payments. that 's just not right. We are not a financially wealthy family and we can not afford to pay for this. Please help us find a solution.
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| 09/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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CFPB, this is not a duplicate complaint. Per the CFPB Ombudsman Office, if the company fails to answer our questions or raises additional questions, we are entitled to submit additional complaints against the company! This complaint is for First American Title to respond too and answer all of our questions below! If First American Title responds to this complaint accurately and truthfully, we will cease and desist all complaints against your company. Failure to comply will result in additional complaints filed against First American Title!
Now, as the CFPB and First American Title knows, First American failed to answer our previous questions in CFPB complaint # XXXX which was submitted on XXXX XXXX XXXX. First American provided a written response to the CFPB dated XXXX XXXX XXXX which First American did not answer our questions. As you can see from our previous complaint against First American, First American failed to tell the truth to a federal agency that is going to conduct an investigation! As I stated in previous CFPB complaints, If First American did not violate our rights or our laws, then why are they failing to answer all of our questions? Now ; First American stated in a previous complaint ; " that the lenders instructi
on on page 3 stated ; " please send the Deed of Trust and the title policy to the address below ''.
NOTE : on page 3 of this document states a copy of the hazard insurance policy and the title commitment is to be sent to the lender in the closing package ''. There is no mention on this document what First American stated! Can First American provide this document, page 3, circle this area where it states ; " please send the Deed of Trust and the Title policy to the address below ''? Is n't it a fact that First American Title policy is to maintain accurate records even in your electronic data base at all times?
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| 11/29/2017 |
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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Regarding XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear, XXXX XXXX XXXX, XXXX XXXX XXXX Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please note that your affiliation with XXXX XXXX XXXX is posting my land and home for auction or doorstep foreclosure sale on XX/XX/XXXX, and per XXXX XXXX XXXX XXXX that I have title insurance with has Said that XXXX XXXX XXXX or XXXX XXXX XXXX XXXX acting Trustee along with XXXX XXXX as Trustee have any Authority do Foreclose.. The Security Agreement if non Valid or DOT as XXXX Could not do Business at the Time of the Grant Deed giving to me. Therefore youll need to stop this right now today when you receive this NOTICE and DEMAND as settler, as under Duress Treasury and XXXX XXXX has the endorsed promissory note for deposit only to one and the other paid to the UNITED STATES OF AMERICA WITHOUT RECOURSE if accepted in this criminal activity stealing homes piracy on the land. 42 arrest warrants have been issued and hope to see you all do the right thing.
this is a copy of what was sent, and this part you will need to send to me at once. " TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' Your complaint filed with the Consumer Financial Protection Bureau as complaint number XXXX pertains to the same loan which was the subject of complaint number XXXX. As discussed in XXXX XXXX XXXX 's response to the prior complaint, neither XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX XXXX is involved in collection of the debt purportedly owed by you. None of these companies is the trustee of beneficiary. None of these companies has the legal capability to comply with your request " for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' thank you for understanding.
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| 08/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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THIS IS NOT A DUPLICATE COMPLAINT! XXXX XXXX XXXX RAISED ADDITIONAL QUESTIONS! XXXX XXXX XXXX stated in CFPB complaint # XXXX that First American responded to each of XXXX XXXX 's several complaints. The facts are : this complaint asked the following questions. Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. I further asked ; is n't it a company policy of First American to maintain accurate records. Now ; per your written response date XX/XX/XXXX, you failed to answer all of our questions. 1st ; is First American aware of 18 U.S Code 1001, false statement? Yes or No! 2nd ; is it safe to assume that when a company sends a title transmittal ( cover letter ) the letter will state in the transmittal letter every document that is being sent? Yes or No! 3rd ; did XXXX XXXX XXXX state in the title transmittal that First American enclosed the original Deed of Trust with the Policy of Title Insurance? Yes or NO! 4th ; is it safe to assume that since the original Deed of Trust was not mentioned in the Title Transmittal, the original Deed of Trust was never sent with the title transmittal? Yes or NO! 5th ; Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. Yes or NO! 6th ; is n't it a company policy of First American to maintain accurate records. Yes or NO! 7th, where ( what location ) within the closing instructions reflect that the lender, XXXX XXXX XXXX stated to send the original Deed of Trust with the policy of Title Insurance as you stated in a previous CFPB complaint? Please answer our additional questions. Be informed that your answers provided will be used for court purposes!
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| 03/25/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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We purchased our home in XX/XX/XXXX. We were not sent a copy of our owners title insurance policy. I called the title insurance company for a copy and was told that she would work with the current title company in every way but never said anything else about me getting a copy. Now she wants to only give an indemnification letter not a copy of the policy. We are trying to refinance and have learned that the liens on the house are still outstanding. Liens to be satisfied at the time of closing. None have been released. The title company that closed on our loan is out of business and she is now working for another company and acts like its not her problem when she has the canceled checks showing where the liens were taken care of, Without a policy number I ca n't even submit a claim and am being stonewalled on all sides, ( the builder got in trouble and vendor liens were placed on the house, We knew this going in and were told it would be no problem. XXXX of the vendors said he did not get paid. Even the attorney of record is not available for me. Said she would not have any papers pertaining to our loan. I also checked out the title company that did the closing and she had not had an active business license in the state of XXXX since XX/XX/XXXX. Yet she closed my loan in XX/XX/XXXX. She now works for another title company as senior underwriter and told me I ca n't be calling her. She says my files are in XXXX and she ca n't get to them and her computer has crashed.
What recourse do I have available to me?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX can fax you anything you need, I ca n't email at this time.
Thank you, XXXX
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| 06/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Older American |
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We paid cash and closed on XXXX acres of land with closing agent XXXX XXXX at XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, Suite XXXX, XXXX , TX XXXX on XX/XX/2017. We were guided to this title company by the Listing Agent, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX.
One month after we closed, we deeded half the property to our son and daughter in law and we each received applications to renew the ag exemption. When I called to tell them there was no such exemption our nightmare began. As the State of Texas Qualifiation Requirements state, " Acreage Requirement : the State of Texas has set a minimum of 5 acres and a maximum of 20. '' The first page of the closing affidavit states there was NO ag exemption. We were not told prior to or during closing that there was an ag exemption on the property We were not given a Tax statement at closing that would have indicated ag exemptions. We were not given the opportunity to negotiate that. Because of the minimum acreage requirement to even have ag exemption it should have been brought to our attention at closing.
We are being charged over {$4000.00} for rollback taxes that we don't believe we should be charged for.
XXXX XXXX at XXXX XXXX XXXX doesn't return my calls. We were denied the claim we filed with the XXXX XXXX XXXX.
With everything that has transpired we had no reason to even question ag exemptions at closing.
In addition to all the above, all of our closing documents state the property is in XXXX XXXX Texas but we have since found out it is in fact in XXXX Texas.
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| 10/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX XXXX and claims counsel of XXXX XXXX XXXX XXXX XXXX are a big fraud, Corrupt and a big liar.
XXXX XXXX XXXX XXXX I recently made a complaint to the headquarters spoke to XXXX XXXX was told I did not have thr correct claim number and were corrected.
I made complaint to the headquarters on Thursday spoke to XXXX XXXX and I told him I 've never received anything in writing from XXXX XXXX. He said that I have a claim open. HE CALLED XXXX XXXX AND TRANSFERRED ME, NO ANSWER.
She immediately sent me an email lying in it. Of a response letter dated XXXX XXXX, XXXX just a XXXX XXXX. This is the first that I 've seen of the letter but she lies and says she is sending me the corrected letter from XXXX XXXX, XXXX no such letter is on my email returns. XXXX XXXX.
At the top is the first time she has provided me the claim number in addition she put a fake consumer financial protection bureau number as cfpb # XXXX which would be XXXX/XXXX/XXXX proves the letter was back dated from at least that date.
In the letter she continues to lie and are determined to claim 1. That XXXX is a mortgage broker company. 2. That XXXX were my mortgage servicer and I got XXXX from XXXX. She absolutely will not mention 1. My mortgage servicer XXXX XXXX XXXX provided me a lien release. 2. I were victimized by XXXX and mers of mortgage deed fraud register XXXX/XXXX/XXXX.
Please provide that letter to the consumer financial protection bureau for their review.
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| 04/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My spouse and I were in the process of buying a home. Someone posed as us to our escrow officer at First American Title in XXXX, California. In response, the escrow officer provided the fraudulent party with our sensitive closing documents starting on at least XX/XX/XXXX. These documents included our social security numbers and the numbers of all of our bank accounts. The fraudulent party then used these documents to pose as our escrow officer with us from XX/XX/XXXX onward. The fraudulent party sent us wire instructions for our downpayment on First American Title letterhead with information for a fraudulent bank account with XXXX XXXX. On XX/XX/XXXX we wired our downpayment to what we thought First American Title 's legitimate wire transfer in the amount of {$500000.00} to an account held by the fraudulent party at XXXX XXXX. We discovered the fraud around approximately XXXX the morning of XX/XX/XXXX when the title company asked why our down payment was not received. We then quickly notified our bank, XXXX XXXX. XXXX XXXX then notified XXXX XXXX about the fraud and asked to recall the wire transfer. We were informed that XXXX XXXX shared our documentation of the fraud with XXXX XXXX and that XXXXXXXX XXXX froze the fraudulent account. However, we have not received any notice of how much of our money remains in the account or how or when our funds may be returned to us despite several requests for information from XXXXXXXX XXXX
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| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I closed on my loan XXXX the closer went through the documents, had me sign and was gone. Out of the proceeds my old loan and several debts were to be paid. I kept calling the companies to see if the balances had dropped, nothing. On the XXXX of XXXX after multiple calls I was told there was a glitch in the system and my courtesy checks the payoffs to my creditors never printed and were therefore NEVER sent. I verified had I not called to inquire, I would have been waiting forever, they said true, it was a glitch and they would overnight the checks. The checks arrived on the XXXX I believe, were coming up on a month now that I am paying double interest ( my mortgage and the debts ). Because it took so long one of the bills is paid off so I have a check that is virtually worthless, and the check to payoff my car loan to Missouri XXXX XXXX XXXX XXXX, was made payable to XXXX XXXX, I verified with the Credited Union that they Can not cash such a check!!! After many calls I reach XXXX XXXX at First American Title Insurance Company Mortgage XXXX XXXX, who assured me she would take care of this hopefully by XX/XX/XXXX. It is now XX/XX/XXXX at XXXX XXXX and I can not reach her nor have I heard from her. I Have a loan that closed almost a month ago with checks totalling XXXX that are worthless to me that I am paying interest on.
I am at the end of my rope and hoping you can assist.
Sincerely, XXXX XXXX
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| 12/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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First American Title in XXXX did the title work for our mortgage refinancing. We 've moved to Florida and planned to do closing here. We were looking at closing during XXXX week. After the bank issued our Closing Disclosure, I called the title company to ask about wiring the money we owed at closing a day early in order to avoid any problems with the holiday. She agreed that was probably a good idea to be safe. I went to the bank immediately, and wired the money. I emailed the closer at the title company when I returned to let her know the wire had been sent. Two hours later I got a call from the bank asking my permission to modify my CD. The title company did n't realize we needed a remote closing and now wanted to charge an additional {$160.00}. I know the CD has to be accurate and that it was too late to ask for that money ( besides, I did n't have any more to pay! ). The bank escalated with the title company, but they refused to waive the fee. I was told that either we paid the fee or they would n't do the closing. Had I not already wired the money, I would have gone to a different company. The bank tried everything to work with the title company, but they would not budge. At one point, a member of the bank staff told me, " They know this is against the law, but they do n't care. '' I 'm filing a complaint because they broke the law by demanding an additional fee after the CD was issued.
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| 12/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX I met with First American Title Company to process the closing of my mortgage refinance. Part of the deal, as stipulated by the bank, was for them to withhold some of the money owed to me and use it to pay XXXX credit card bills : XXXX and XXXX XXXX, around $ XXXX in total.
As of today, XXXX, none of these bills was paid. Their representative, XXXX XXXX, did not return my calls for the past week, and yesterday, abruptly notified me by email that they put a stop payment on the check that they supposedly sent to XXXX and XXXX XXXX, and they will send replacement check to me personally, so I can forward these to the CC companies. He did not ask or receive my authorization to cancel these checks, instead refusing to take my calls and avoiding any communication with me. I questions whether these checks were timely sent at all.
In the interim my CC bills risked becoming past due, and accumulate fines and interest ( I always pay these on time to avoid interest payment ) so I paid them myself. Not sure what to do with the checks that First American is about to send to me. They suggest that I send these to the CC companies, have them cash the checks, and then ask for a refund, once my account has a positive balance. This is time consuming and expensive. At the end it will take me over a month the recover the money due to negligence on the part of the title company.
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| 02/04/2016 |
Yes |
- Money transfers
- Domestic (US) money transfer
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Web |
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I had a contract to purchase a home in XXXX 2015. The morning of what would have been closing, I wired nearly {$270000.00} to XXXX XXXX XXXX XXXX. The afternoon of 'closing day, ' my real estate agent and I did a final walk through of the home only to find that the seller had defaulted on the terms of the contract by not having inspection repairs made and habitability standards met. Upon learning of the seller 's contractual default, I cancelled closing that day. I later approached XXXX XXXX XXXX to request my wired funds be returned to me due to our failure to close. XXXX XXXX XXXX XXXX has refused for multiple days to return my wired funds. My real estate agent and I formally gave notice to XXXX XXXX XXXX, XXXX XXXX ( regional manager ), and XXXX XXXX ( escrow coordinator ) that I expected my funds to be wired back to my account within 24 hours. We are well beyond that timeframe and my funds are still being held against my will by XXXX XXXX XXXX XXXX. XXXX XXXX seems to be afraid of losing repeat business from the seller 's Realtor, and therefore refuses to return my monies. My monies are being held against my will by XXXX XXXX XXXX XXXX in hopes that I will succumb to their bullying and close on a home that does not pass inspection so that they can maintain a business relationship and profit from their acts of coercion.
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| 04/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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" First American Title Company - Unethical Practices '' Today XX/XX/2023, during closing on the purchase of a new " XXXX '' house, First American Title Company required us to sign a document captioned " Acknowledgement of Receipt of Keys. '' Unfortunately, after we signed the documents and submitted wire transfer for {$20000.00}, First Title Company did NOT deliver any keys to us. Instead, the Notary instructed us to return to First American Title to pick up keys on Monday XX/XX/2023.
Effectively, we have been DENIED possession of the house that we closed on today.
We notified XXXX XXXX that First American Title did not release the keys to us and we requested that XXXX " cancel '' the mortgage/loan. XXXX XXXX informed us that that Loan was " already Funded. '' The Closing Disclosures/Settlement Statement had multiple discrepancies which were identified PRIOR to Closing. I informed XXXX XXXX and First American Title about the discrepancies and requested that the errors be corrected PRIOR to Closing. We requested copies of the documents that we signed at Closing, but First American Title refused to provide us with the requested documents during Closing. First American Title said they would email us copies of closing documents, but they have NOT. Is this practice legal or ethical?
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| 02/24/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Around XX/XX/2020 this Title Company FIRST AMERICAN MORTGAGE SOLUTIONS Assisted to record a Fraudulent Document to a third party company affecting the Chain of Title of my house located at XXXX XXXX XXXX XXXX CA XXXX ( Attach the instrument # XXXX herein ).
I state since there existed 2 Robo-signatures documents previously recorded in the Chain of Title of the property describe above, I already reported to the Local Authorities as well to the CFPB inquire number # XXXX against the XXXX XXXX XXXX XXXX Then for after the one recorded by FIRST AMERICAN MORTGAGE SOLUTIONS it makes the document recorded with instrument # XXXX Fraudulent and Void itself, the title company 's client XXXX XXXX XXXX had personal knowledge about it, They Ignored and rejected the information given. ( Attached XX/XX/2020 Certified letter Please see Pages 32-33 as reference, at that time The Title Company 's Client didn't include the Title Company name ).
So Thru the CFPB I would like to have this title company to remove this document from the county records and send me an Apology Letter.
I want to say every company or institution who are participating in the theft of my property will be liable for economical and medical damages I may incur.
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| 07/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am filing this complaint because I were recently alarmed by a statement from a first American title insurance company in reference to claim no. XXXX referred by parks title and the intake worker said BOTH OF YALL NAME IS ON THE TOP OF THE TITLE. I am seeking action without delay to deal with XXXX XXXX whom committed mortgage fraud and must be held accountable.
XXXX XXXX and his daughter Immaculuate XXXX listed on the covenant deeds claim they bought XXXX XXXX XXXX at a bank sale for XXXX from XXXX XXXX XXXX XXXX and harassed me to moved out.
They claim parks title conducted the title work and I were contacted by the federal trade commission in XXXX revolving around ftc # XXXX and instructed to call XXXX and see what they would do for me. They repeat over and over that they were sorry for what happened to me and would do a lien release on the property which I received XX/XX/XXXX . The XXXX loan is marked paid off on my credit report in XXXX . Also the case was published by the OCC complaint no. XXXX XX/XX/XXXX against XXXX XXXX and fined XXXX XXXX and a cease and desist order made by the Court.
There is no legal transaction on record.
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| 02/05/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I have a mortgage with XXXX XXXX. In XXXX of 2020 XXXX XXXX refinanced my existing mortgage with them to a new rate. First American Title is the Title company that XXXX engaged to file the Deed on the property. Upon completion of the refinancing process, First American Title did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to First American numerous times to try to resolve the issue by apprising of the issue and imploring them file the Deed of Trust. In my initial conversation with XXXX XXXX of First American, she informed me that the Deed was e-filed on XX/XX/XXXX. Earlier the same day that I spoke with XXXX, I spoke directly to multiple people at the XXXX Count Clerks office and was informed that there was and is no current Deed of Trust filed on my property. This delay and unwillingness of First American to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage.
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| 10/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced my home through XXXX XXXX Company based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with First American Title insurance Company based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is XXXX XXXX didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both XXXX XXXX and First American about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from XXXX XXXX which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the 35th day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time.
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| 11/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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OCC # XXXX WORKING ON RESOLUTION, XXXX WAS MY MORTGAGE HOLDER AND I PAID MY HOUSE NOTES TO XXXX. THEY RAISED MY HOUSE NOTE 100 % FORCED ME INTO FORECLOSURE BY RAISING IT FROM XXXX TO XXXX AND I PAID THEM XXXX ON MY FIRST LOAN LOAN # XXXX TO GET OUT OF FORECLOSURE BUT WOULD NOT COME DOWN FROM XXXX. THIS IS THE ONLY LOAN THAT WAS FORECLOSED ON AND LOAN XXXX WERE NEVER FORECLOSED ON.
THE SHERIFF 'S DEED ACTION YOU SPEAK ON XX/XX/XXXX ARE FROM LOAN # XXXX.
ON A LETTER THAT I JUST RECEIVED DATED XX/XX/XXXX YOU STATE. BELOW, YOU SAID XXXX GAVE A QUIT CLAIM DEED TO XXXX XXXX. THEN YOU SAID XXXX XXXX AND HIS DAUGHTER XXXX XXXX PURCHASE THE PROPERTY FROM XXXX XXXX FOR XXXX IN COMPLAINT XXXX XXXX XXXX XXXX OF XXXX XXXX STATED THAT THEY FACILITATED THE SALE ON XX/XX/XXXX.
ON XX/XX/XXXX YOU SAID THE XXXX PURCHASED THE PROPERTY FROM MY LENDER XXXX XXXX XXXX FOR XXXX.
ON XX/XX/XXXX XXXX XXXX XXXX MY SERVICER PROVIDED ME A DISCHARGE OF MORTGAGE AND CONGRATULATED ME ON A PAID UP LOAN AND THE OCC ARE WORKING ON A RESOLUTION ON MY BEHALF IN REFERENCE TO THE CASE ABOVE.
PLEASE TELL THE FACTS OF WHAT TRULY HAPPENED?
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| 01/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We close our refinance for the house located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX with the First American Title ( Tel:XXXX, website : https : //www.firstam.com/rep/achandler/index.html ). The refinance company is XXXX XXXX XXXX Email : XXXX, Phone:XXXX FaxXXXX, Website : XXXX XXXX XXXX. MUD and property tax XXXX should be paid out by First American Title according to the refinance however, as of today XX/XX/XXXX, First American Title hasn't paid XXXX XXXX XXXX Texas ) the XXXX XXXX XXXX XXXX tax which amounts to {$1200.00} if by XX/XX/XXXX. I and the refinance company XXXX have contacted for many times since XX/XX/XXXX Thursday which is the day I got the reminder notice ( available upon request ) from the County, but they never responded to me telling me what kind of remedy they will take to address the issue. Now my XXXX account is already in delinquency status. If the issue can't be solved in the very quick manner, a lien will be placed on to the property in question by the county and eventually my credit will be hit badly. Final CD and Tax certificate are also available upon demand.
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| 12/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with XXXX XXXX XXXX in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. The title company was First American Title Insurance .when this new refinance Loan was " filed '' with the XXXX Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.
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| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello I just wanted to have this complaint captured so that everyone is aware of how unprofessional first American title was! I had a horrid experience with an agent by the name of XXXX XXXX, she works specifically with escrow at this company. She works at the XXXX XXXX XXXX and has got to be removed from being near a phone by all means! She shouldnt be allowed to be interfacing with potential clients or existing ones. She made a significant amount of XXXX XXXX while forgetting to place herself on mute and have a colleague of hers partake in this conversation. As a person of XXXX ethnicity it made me sick to my stomach that this company has not only failed to be diligent in acknowledging my concerns but responding that my concern has been heard and action is going to take place! I have sent numerous emails asking for someone in management to get back to me and my messages go unheard. Im doing this in hopes that someone will hear me. Someone will give me a proper response. Do not bring your business here!
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| 04/26/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XXXX , I closed a mortgage with XXXX XXXX XXXX XXXX . An additional {$5000.00} was transfered from XXXX to first American title company in escrow in a hold back status for a solar hot water heater improvement project. The project was never completed due to deployments. I recently contacted first American title to have the funds released since I now need to replace my hot water heater. They claim that they escheated the money back to usaa in XXXX . They only supporting documents to back this up is an escheating report showing {$5000.00} and a bulk wire transfer of $ XXXX to the unclaimed funds department of texas. I have been in contact with the title company, every department of XXXX , all three mortgage management companies involved with my mortgage and Noone is able to locate these funds and release them to me. It has been 3 weeks without hot water in my home and I am at the end of my rope. I have been paying on the adjusted mortgage total that includes the {$5000.00} since XXXX .
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| 08/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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RESPA Violations - First American Title Insurance Company is my title insurance company that I opted to take out a policy to have them defend me against any mortgage defects. Instead they went against me. The entire mortgage is not mine, forgeries admitted, title company owner prosecuted and went to jail for the same crime I 'm dealing with and 5 different settlements sheets submitted into court records and none of them match the Good Faith Estimate submitted by the alleged lender. Nothing matches including the escrow- their documents state there is an escrow, but I paid my own taxes and insurance. My name was forged on someone 's loan and 5 different settlements sheets have been presented with different sales amount, different signatures, different way of writing the date and nothing matches.The deed was notarized one year after the alleged settlement.
First American wants to cover up and hide the RESPA Violations and Defective Mortgage. The court case was civil and did not involve RESPA or Escrow.
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| 01/19/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Re : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Title Policy # XXXX Closing Date : XX/XX/17 To whom it may concern : Following a description of my complaint.
Both, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( closing agent ) are negligent by overlooking an existing lien on the above referenced property.
No document in my closing package mentioned or referenced the existence of a Green Corridor '' lien/ or a consent to assume said loan, payable once a year via the property tax bill.
Moreover, the underwriter failed to include, as a requirement to close in SCHEDULE B - SECTION I, Payment, the cancellation and satisfaction of record of mortgage executed in favor of Green Corridor.
Please contact me should you require any supporting documentation or information.
Looking forward to hearing back from your agency soon.
Sincerely, XXXX XXXX XXXX p.s. YES, I agree that you publish my complaint. I am certain many consumers are in the same predicament and are not aware.
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| 08/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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XXXX XXXX in XXXX Arkansas sold me a XXXX XXXX and could not fix the leak in the XXXX XXXX had it a little over a month and it had been in there shop 4 times and still leaked The service manager XXXX XXXX told me that the hole i could stick my hand in was normal and XXXX percent of XXXX leaked i had to XXXX the car and tell him the fifth bow was bent Anyways XXXX XXXX the salesman i delt with recomended getting a new car to fix problem. I took the bait. XXXX informed me XXXX the main manager and the others were doing my paperwork while i drove the new XXXX I left thinking that new XXXX dollar XXXX i got for XXXX for all the trubble. I soon realized that i had it crossed and i was paying XXXX dollars on the XXXX they couldnt fix ive been back to get no help they XXXX me and my wife up and are taking money they dont deserve plz help us these guys are crooks and liars in suits
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| 09/17/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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I applied for a mortgage loan thru XXXX XXXX, XXXX XXXX, NV office ; Buying a house from XXXX XXXX ; I paid {$2500.00} earnest money. The Bank qualified me for Conventional Loan ; The XXXX qualified me for FHA. my Income to debt ratio was too high ( more than XXXX % ). I felt there is something going on ; they pushed the loan and make it work within 10 days ; the house payment was too high compared to my income ; I called and cancel the loan. I asked for the earnest money back, they refused to refund me the earnest money. and, they wanted me to buy a house that I am not qualified for.. The earnest money landed with The First American Title Insurance company at XXXX XXXX XXXX ; the FHA loan takes about 45 days to be processed, it took them 10 days to get me approved based on High debt and low income. I was approved to XXXX different mortgages in 10 days ;
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| 06/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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|
In the process of refinancing a real estate loan on my property, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous, and inaccurately reporting incorrect public information on me stating that I have a child support judgment that is NOT even my name. Fortunately, I'm NOT some random person who did/does NOT know who his father is/was, nor his name ( XXXX XXXX XXXX ). nor have I ever been married, or had children, or been to ANY child support court!
Nor am I a XXXX with the name of ( XXXX XXXX XXXX ), nor should I have, or ever been associated with some random person by the name of XXXX XXXX XXXX There is NOTHING that is relative to my property, or address that has EVER been in the name, or related to anybody named XXXX XXXX XXXX. This is some random racially motivated negligent inaccurate XXXX supremacist, XXXX privilege XXXX!!!
|
| 12/06/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX ( Representative : XXXX XXXX XXXX & XXXX XXXX ) has been reluctant in addressing my concerns of their unlawful mortgage assignment n my property. I requested the following : # 1 A clear documented chain of title, from the origination initiated by the lender up to its current " Trust & Servicer. '' # 2 A bill of sale for each assignment and documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition to all original notes, all on-time payments made and all original documents that were executed from the originator up to the current Trust & Servicer 's. See attachment.
|
| 07/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I paid off a mortgage with XXXX in XXXX. Now when trying to clear the title on this property during it 's sale I am told there is default on the property. My county recorders office tells me the property shows it was paid off but the wrong instrument number was attached to this.
XXXX bought all XXXX in XXXX, however since mine was paid off in XXXX it was not transferred to XXXX. The mortgage is now in the hands of BNY Mellon. For weeks XXXX XXXX XXXX XXXX has been trying to clear this title. The contact in BNY Mellon is XXXX XXXX XXXX. I have been contacting XXXX XXXX XXXX at BNY Mellon through email and numerous voicemail. I even went to XXXX with documentation of the payoff for this mortgage. I have received no response.
|
| 09/22/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
During my mortgage loan application for my house, the Loan Officer at XXXX, XXXX XXXX, promised me to get rid of a loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents and was told that she was going to go over all the details with me later. When I confronted her about the removal of the fee ( which she did not remove ) she said : " Oh shoot, I forgot.. do you want me to redo the whole loan? ". I was really XXXX at her and really mad because I was in a rush to move in to the house since I had already gave the 30 day notice to my previous landlord. I will never ever recommend XXXX to anyone, especially with this women.
|
| 01/19/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
We are requesting the following information from First American Title Insurance Company in writing.
1st- We signed a Note and Deed of Trust at the XXXX Nevada location on XXXX XXXX 2006 for XXXX. What was the date that First American Title sent the original documents to XXXX?
2nd- how did First American Title send those documents, federal express, USPS or XXXX?
3rd- for the property located at XXXX XXXX XXXX , did the investor ever cash out the insurance policy that the investor had with First American Title, file # XXXX?
4th, if so, please provide dates when cashed and to whom was the funds paid too?
Thank you for your time.
|
| 05/25/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
First American Title Insurance Company has conducted a transaction on my property XXXX XXXX XXXX, XXXX, Pa XXXX without " permissible purpose. '' I, XXXX XXXX do not have a contractual agreement with this company to execute any transactions on my behalf. I requested documents of affiliation and this company responded stating they are missing documents in there file referencing the following : " Signed Final HUD/Closing Disclosure, Title Commitment/Prelim, Vesting Deed/Warranty Deed, Recorded Security Instrument and in order for me to receive information of a policy agreement I must furnish documentation to them.
|
| 02/08/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
XXXX/XXXX/XXXX First American http : XXXX This is a complaint about First American Title. I sold a home, Wednesday, XXXX XXXX, XXXX, there were XXXX escrow issues that required funds to be held. At this point all issues are resolved. First American is refusing to release the excess money held.
My Realtor has attempted to resolve this several times to no avail. The total owed is above {$1500.00}.
This has happened to many people, the amounts are usually a few hundred dollars, and hiring an attorney would cost more to resolve that the dollar amount in question.
It has been seven months with no resolution.
|
| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
|
| 06/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
During the closing process on our mortgage today ( XXXX / XXXX / 2017 ) with First American Title Company I requested to see and read all documents that my wife and I would be signing. I was informed by the title representative that she w ould not be able to provide all of the documents to me to peruse as 'we do not have enough time today '. She told me all of the documents would be copied and provided to me post signing to read, but I believe that would be somewhat misleading as if I have a complaint about the documents I have already signed them.
|
| 07/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
XXXX XXXX XXXX and XXXX XXXX both told me they did not run a report on the borrower so i sent and paid for my earnest money and survey, plus appraisal wait never mind they both said they never do that so i have a doj lien that i showed was not mine with all my ID theft, Police report and they still refuse to do my loans i feel like i'm getting the old fashion crying about my race but keep in mind several huge company were sued b/c of this LIKE XXXX i just want the house and provided the documentation that was needed
|
| 02/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I closed on a refinance loan with XXXX XXXX XXXX XXXX on XX/XX/2022. First American Title was the settlement agent. My file number with First American Title is : XXXX. XXXX XXXX XXXX XXXX required me to withhold 6 months of property taxes. First American Title has {$2100.00} which was supposed to be sent to XXXX XXXX ( Ohio ). First American Title has not paid the property tax and it is now due. The settlement agent told me that the property tax would be paid right away and it's over a month now.
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I bought my home in 2005 at XXXX XXXX XXXX XXXX Georgia XXXX last name at the time XXXX, I signed the loan documents and I took out owners title insurance with XXXX XXXX XXXX XXXX. First American acquired XXXX. Last week I requested a copy of my full title insurance documents only to be told they can not locate any information for me. I have several friends who purchased with me and have the same documentation and it states XXXX XXXX XXXX XXXX. I want a copy of the title insurance.
|
| 07/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
First American Title Insurance Company is providing false information on me, XXXX XXXX XXXX and my parents, XXXX and XXXX XXXX. They have concocted a written report stating that our home has several active liens/judgments- when it doesn't. We had two other companies perform title searches on our home and none are showing this false information. Moreover, even after providing documentation showing that these accounts do not belong to us, they are refusing to remove it from their report.
|
| 07/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Back in the middle of XX/XX/2018 I finish selling my home in XXXX XXXX California are Title Company advise me that after I received all my disbursements that I was to refund them back {$1500.00} to be used for County fees.. they told me they would return me the funds wants the county send them a duplicate payment.. it is now almost XXXX and I still have not received those {$1500.00} that were promised that would be returned to me
|
| 12/06/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
The title company, First American Title Insurance Company, sent the closing documents, including SSN, address and financial information, via unsecured and unencrypted email. If my personal information is obtained from the unencrypted email could result in identity theft.
The title company is negligent in handling this type of very sensitive information. Contact the company but they do not have an answer.
|
| 05/08/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
My ex-husband and I signed all the paperwork to sell our house to a buyer who had a cash offer. The title company failed to secure the funds and so after we signed at the closing we found out the funds won't be available until Weds. due to an error from the title company 's employee. If something happens to the house, who has possession, this leaves my ex husband and I in a very vulnerable position.
|
| 05/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX XXXX homes offered to pay for 1 year 's HOA dues as an incentive for financing with their title company First American Title.. The title company calculated the HOA total incorrectly ; leaving the total 2 months short. XXXX XXXX paid settlement costs, but was short 2 months on the HOA dues. The HOA has now billed us, including late fees for the shortage, saying they are not responsible.
|
| 07/05/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This company sent our funds from our home sale to a scam email. They did not contact us in anyway to confirm a bogus email that they received instructing them to send the funds to a random bank account. The escrow company sent our funds to the scam bank account and so far the scammers have been arrested and the bank still has not come through with payment to us. its been 2 1/2 years.
|
| 04/16/2019 |
Yes |
|
|
|
Web |
|
|
Upon closing on my property at XXXX XXXX XXXX, XXXX XXXX MI XXXX, I was issued a check for {$4400.00} to be paid to XXXX XXXX. This check was never cashed by XXXX and first American says the check cleared. XXXX never cashed this check and I need the money to be returned to me immediately.
|
| 11/17/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Older American, Servicemember |
|
Borrowed {$240000.00} to consolidate credit cards and mortgage loan ( # 1- {$220000.00} XXXX XXXX pay off # 2- {$12000.00} XXXX XXXX pay off and # 3- {$6700.00} XXXX card pay off.
First American Title payed {$6000.00} or {$680.00} short for the XXXX card by mistake.
|
| 08/24/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
found scrivener 's errors, legal descriptions and index numbers x XXXX, of property that was sold at sheriff sale, does n't match what 's on original warranty deed, legal description, transfer stamps nor current property tax bill.
|
| 03/28/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX and first American title have not been applying my monthly payments to my accounts. Now threatening to foreclose on property. I am going to file a lawsuit against both companies on Monday XX/XX/2020.
|
| 03/25/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
i closed a v a loan on the XX/XX/XXXX ... per my c d it was suppose to fund on the XX/XX/XXXX ... as of XXXX est on XX/XX/XXXX it has not ... ....
|
| 03/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
XXXX XXXX XXXX AND XXXX XXXX TRYING TO CHARGE EXCESSIVE FEES ENCLOSED ARE DOCUMENTATION THAT WAY OVER THE AVG COST FOR CLOSING WITH XXXX XXXX
|
| 08/13/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Account was previously in foreclosure. Brought out of foreclosure to XXXX balance. Invoice for new period includes amounts already paid.
|
| 09/15/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
Closed loan ok n XX/XX/XXXX, as of XX/XX/XXXX they have not paid my home owners insurance.
|
| 09/20/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
CAUSE OF ACTION : DECEPTION / INTENT / CONTROL, NEGLIGENCE, THEFT, PERJURY,
|
| 01/19/2024 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 02/27/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 12/15/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 04/17/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/04/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 12/09/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/20/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
|
| 08/01/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 07/14/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 07/01/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Phone |
Older American |
|
|
| 03/27/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/14/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 12/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 12/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 09/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 08/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/09/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/24/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/09/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
Servicemember |
|
|
| 02/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 01/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 11/30/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 08/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
|
| 08/02/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
|
| 07/12/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 05/23/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/22/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/22/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/13/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 02/03/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Servicemember |
|
|
| 01/27/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 01/24/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 01/11/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/05/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/10/2016 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Incorrect/missing disclosures or info
|
|
Phone |
Servicemember |
|
|
| 11/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 09/30/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 09/19/2016 |
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 |
|
|
|
| 08/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/26/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 07/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/06/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 05/20/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 03/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
Servicemember |
|
|
| 02/10/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
Older American |
|
|
| 01/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Older American |
|
|
| 01/06/2016 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Phone |
|
|
|
| 01/06/2016 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Phone |
|
|
|
| 12/04/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 11/27/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 11/04/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 11/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 10/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Phone |
Older American |
|
|
| 09/11/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 08/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/12/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 12/12/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/11/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 11/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/17/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 10/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/17/2014 |
Yes |
- Mortgage
- Reverse mortgage
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 10/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/05/2014 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 09/25/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/16/2014 |
Yes |
|
- Settlement process and costs
|
|
Fax |
|
|
|
| 07/28/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 07/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/30/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/23/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/23/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/13/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 01/24/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 01/22/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/27/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/18/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/05/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 10/29/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/25/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 09/20/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/26/2013 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 07/12/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 06/27/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|