| 09/15/2018 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My name is XXXX XXXX-XXXX, I am writing to you on behalf of my father, Mr. XXXX XXXX XXXX XXXX. of XXXX, CA.
Mr. XXXX has been a homeowner in XXXX for over 50 years and lived the past 30 plus years at the above address. In XX/XX/XXXX he was introduced to the Reverse Mortgage program and soon to follow he was signed up for the program. At the time he received the Reverse Mortgage he was not eligible due to the amount of debt payment that was owed on the property. He was already paying {$1400.00} per month and the program that was to alleviate the monthly mortgage payment was never alleviated because the original lean holder, XXXX XXXX XXXX positioned themselves in third position on the property and caused him to still have a mortgage with the Reverse Mortgage in place.
As a result of this transaction my father who was XXXX years of age at the time, was suffering from XXXX XXXX, XXXX and is a XXXX XXXX XXXX, was taken advantage of by the lean holder XXXX XXXX XXXX. It is yet still unclear how many of the parties involved were actually at fault and played a role in this injustice.
Currently there are no cases on record that have dealt with this kind of predatory lending on a senior. I have been pursuing this issue on my fathers behalf since XX/XX/XXXX after him being harassed by XXXX XXXX XXXX to surrender the keys to his property and move out. The reason this request was made by them is, after my father was unable to pay any more monthly mortgage payments while he was still in a contract with XXXX XXXX XXXX XXXX which is now currently XXXX XXXX. He has exhausted all of his {$70000.00} savings trying to pay the mortgage after being told that the Reverse Mortgage would solve his mortgage worries by taking advantage of the Reverse Mortgage Program.
After numerous calls to XXXX XXXX XXXX XXXX to find out why he was still being forced to pay a mortgage to XXXX XXXX XXXX and being told by them that I do not have a mortgage payment because I have a reverse mortgage. I explained to the XXXX XXXX XXXX XXXX that XXXX XXXX XXXX, who was the original lean holder has been sending notices for payment and threatening to foreclose on the property. The response from XXXX XXXX XXXX is, XXXX XXXX XXXX can not foreclose unless they buy the property from them, therefore they can not foreclose on the property at XXXX XXXX XXXX XXXX, XXXX, CA.
My Father was then harassed on numerous occasions to move out of the house and leave the keys. There were numerous foreclosure notices placed on the front door of his home, people driving by and some even knocking on the door to inquire about the sale of the property.
All of these actions that were taken has caused great stress on my father who is approaching his XXXX birthday in XXXX of this year. He has suffered a great deal because of the actions of these entities. Not only his health issues and being hospitalized for two weeks because of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl and having XXXX XXXX XXXX and XXXX XXXX which resulted in a XXXX XXXX. He also had to go through a very heartbreaking divorce from his wife of 34 years because she could not endure the stress of losing their home so she just walked away from their marriage and left him all alone.
I have been by my fathers side through this ordeal and have yet to see a resolve in his favor which leads me to the reason I am reaching out to you, XXXX XXXX.
I have gone through the chain of command from my State of California by first going to the XXXX County District Attorneys office and filing a complaint against them for predatory lending and elderly abuse. I then wrote a letter to Congress Woman XXXX XXXX, Secretary of HUD XXXX XXXX, State Attorney XXXX XXXX, and Attorney General XXXX XXXX also to our President Barak Obama.
I received answers from each person mentioned all with the same basic answer directing us to several different agencies that were designed to help seniors with modifications on the home mortgages. We were strongly directed to the XXXX XXXX XXXX XXXX XXXX located in XXXX. We were referred to speak with the Attorney that was assigned to that office and he was unable to help us because he had never hear of anyone having a Reverse Mortgage in place and then paying a mortgage to another lean holder at the same time.
My last correspondence was sent to the newly appointed HUD Secretary XXXX XXXX on XX/XX/XXXX, I have not received a response to date.
I was able to help my father with the Bankruptcy by doing it Pro Per because the first attorney we hired was so bad that he was ordered by the Bankruptcy Judge XXXX XXXX XXXX XXXX XXXX of California to appear before him in person and he ordered him to return all of the funds that my father and I paid to him for services. The next attorney that we hired out of XXXX was constantly extorting money from us so we fired him and decided to do it on our own and by the grace of XXXX XXXX we were granted the bankruptcy. We are so grateful to Judge XXXX for his patience with us during that time, I did all of the filing of forms to the court myself without any law degree back ground.
We hired an attorney in XX/XX/XXXXand he has been working with us to find a way to file the charge against XXXX XXXX XXXX and all parties involved. The issue that we are faced with is there are not any cases that we can find that have faced this kind of predatory lending. Every law firm that we have contacted regarding this claim, has never heard of anything being done like this.
At the time of the settlement the equity that was pulled out of the house totaled {$110000.00}. When all of the transactions were made everyone at the table received money except my father.
Just to give a brief summary ; there was a payoff to XXXX XXXX XXXX which was formerly XXXX XXXX XXXX, in the amount of {$69000.00} ; XXXX XXXX XXXX received a pay down to the amount of {$40000.00} ; Closing costs totaled {$8900.00}, My Father received XXXX.
Before the signing my father was explained by my broker Mr. XXXX XXXX, that he would receive {$40000.00} and my father would receive monthly payments from XXXX XXXX XXXX XXXX which would come from the equity out of the home. He was then contacted by phone by a counselor that asked him a few questions regarding his finances and next he received by facsimile forms to sign and the deal was enforced.
After questioning Mr. XXXX XXXX, he explained to me that after the paperwork was signed, XXXX XXXX XXXX decided that they did not want to subordinate the remainder of the loan so they took the {$40000.00} that was designated to me and used it as a pay down according to the broker and positioned themselves in third position on the property with a {$23000.00} balance. The reason this process was allowed was because of a loophole that was allowed by XXXX XXXX XXXX, XXXX XXXX XXXX which Housing Urban and Development Department agreed was okay for my father.
No one knows what this so called loophole is or how it was implemented in order to have my father in such a unprofitable position which has cause him nothing but heartache on too many levels including mental, physical, personal and most of all financially.
My Father is now deceased and I am purchasing the property due to the guidelines stated in the Reverse Mortgage Contract and have been unsuccessful because of the title issues. The issue is the Subordination Agreement that stands between XXXX XXXX XXXX XXXX and XXXX XXXX who has positioned themselves in 3rd position on the property and blocks me as the heir from moving forward with the purchase of my dads home.
We filed a complaint on XX/XX/XXXX the file # is XXXX-XXXX
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| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In XXXX of XXXX we sold the property : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX.
We did the closing on XX/XX/XXXX. The closing was done by Stewart Title Agency in XXXX XXXX ( a local branch for Stewart Title Co ). The agent 's name was XXXX XXXX. At the closing table we told Ms XXXX that the numbers did not look right as the pay off was more money than we were expecting ( {$16000.00} more ) MsXXXX XXXX went inside her office and spent few minutes checking the numbers and papers, after a while she came back saying that everything was fine. My realtor was present as a witness. All the documents presented at closing to be signed had the correct address of the property we were selling.
On XX/XX/XXXX / XXXX, we received a " Mortgage Satisfaction '' letter, but not from the property we sold, but from another of our properties. We let Stewart Title know about the mistake. They contacted XXXXXXXX XXXX ( bank for the wrong property that was paid by mistake ) and requested the money to be returned, but XXXX XXXX stated it was too late and the transaction could not be reversed. The local title company could not give me any answers and referred the case to their headquarters in XXXX TX, with their attorney ( XXXX XXXX ) and they recommended that we look for a lawyer.
On XX/XX/XXXX / XXXX, Stewart Title began to blame us for the mistake saying we had provided a wrong loan number. I want to explain this in details : Stewart Title had asked us to provide the loan number days before the closing. We provided the Mortgage Insurance number instead. That mortgage insurance number was the number that appeared on the closing papers when we initially bought that property ( the one we sold ). This number HAS NOTHING TO DO with the loan number of the property Stewart title paid by mistake. ( See attachments ) THE NUMBERS WERE COMPLETELY DIFFERENT.
At the beginning of the negotiations between my attorney and Stewart Title 's lawyer XXXX XXXX he said they did not want to get into a litigation, and that we could get into an agreement. Stewart Title admitted that they made a mistake and that we could work together to solve it, they initially proposed to generate a new loan for us without closing costs and with the same interest we had for the property they paid by mistake, and that we had to return the {$16000.00} so they could pay for the right property ; that they would pay for all expenses including money for my lawyer expenses, etc ...
After many months of negotiations, Stewart Title lawyer ( XXXX XXXX ) said that they could not generate the loan for us because Stewart Title has been bought by XXXX. He asked us to look for an external bank that could take care of refinancing the property paid by mistake and then to use the money to pay the right property. Mr. XXXX asked us to present him all the expenses after this were done, and then they would pay for all the damages.
So we went ahead and refinanced the property paid by mistake, ( Documents Attached ).
We got from the refinance the amount of {$90000.00} after Closing Costs, so we had to add the {$16000.00} to complete the amount of {$100000.00} that we own in order to pay off the correct property. Off course after refinancing the property was paid by mistake we ended with a higher interest than the one we had before the mistake. Also during all this time from XX/XX/XXXX until XX/XX/XXXX, we had to continue paying the property that was sold, even though it had another owner, to avoid a damage in our credit.
Besides that we had to pay for insurance in that property and property taxes.
When my lawyer contacted them one more time to recover the damages as they promised, Stewart Title said they WON'T PAY anything, and again the lawyer ( XXXX XXXX ) stated it was our fault for giving the wrong loan number and stated that we had never returned the {$16.00} k we got extra at the closing, when we have already spent much more than $ XXXX fixing their mistake.
My lawyer told us that the next option was a lawsuit in court, but at this time we cant afford paying for litigation, as it would cost near {$50.00} k.
This is the list of expenses we have had so far in these two years due to Stewart Title ERROR.
Attorney Fees {$10000.00} Closing Costs {$10000.00} ( from Refinance ) Closing Costs {$16000.00} ( Cash ) to complete the amount of {$100000.00} that we own on the mortgage that was never paid Forced Placed Insurance on XXXX XXXX XXXX ( Property Sold ) {$2800.00} Beside that we ended with a higher Interest for the new loan of the property Stewart title paid by mistake and we had to refinance. In 30 years we will pay {$37000.00} extra do to the new refinance.
My complaint is for the local Stewart Title Company in XXXX XXXX but also for Stewart Title Company Corporate Headquarters XXXX Texas XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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The basis of my complaint is that a document not relevant or pertinent to the closing process, that was not provided to Stewart Title by the lender/financial institution was presented to the buyers in our community to sign by Stewart Title. My XXXX neighbors were all presented with this document during the closing process to sign. This document has no relevance as to whether or not the loan closes successfully. This document was given to Stewart Title by the seller, XXXX XXXX. My assumption was the document was required to be signed since it was presented at closing for mortgage. Something my lender required I assumed. I was unfamiliar with the closing process. All I knew was I would be signing a lot of documents. The document in question that I was asked to sign was a Home Buyers Warranty application. In light of what we now know we suspect that this document was presented to the unsuspecting mostly first time buyers during the closing process as a way to easily obtain signatures without the seller having to face questions or provide information about the terms that we are all now aware of that we agreed to by signing the application. Stewart Title presented this application to each buyer to sign at closing for the seller XXXX XXXX. By signing this application the buyer entered into a contract with the seller and the contract had a binding arbitration clause that was not disclosed to the buyer. I would say XXXX % of the buyers were not made aware of this by Stewart Title. In very small, fuzzy print on the application it states that by signing the buyer acknowledges that they have read/reviewed a sample copy of the warranty booklet and that the buyer consented to the terms of these documents including the provisions for binding arbitration. Only XXXX buyer has acknowledged that Stewart Title provided the sample warranty booklet to him at closing. However he had no time to review it prior to signing the warranty application that Stewart Title obtained his signature on. The buyers were unaware and were not informed of the provision for binding arbitration at the time the applications were signed. The sample warranty booklets were not provided by Stewart Title other than to XXXX buyer receiving his. The title rep simply requested a signature on the application for the " warranty that the builder purchased for your new home ''.
My recollection is that at some point in the middle of the process of signing my closing documents at Steward Title the title rep presented the HBW application for my signature. The title rep said " this is the application for warranty that the builder purchased for your home, I just need your signature here. '' Being that I 'm a first time buyer my assumption was that my lender required a warranty for my new construction home. I signed the document without question and proceeded with signing the remaining documents that the title rep presented to me with short explanations and instructed me to sign.
Stewart Title did not allocate the funds of the XXXX HOA appropriately. As an example please find a copy of a check in the amount of {$370.00} that should have been allocated to the HOA but was made payable to the builder XXXX XXXX.
Stewart Title XXXX has a personal relationship with the owners of XXXX XXXX. We suspect this is why funds were not allocated appropriately. The title rep slipped the warranty application in with our closing documents for each purchaser at closing to easily obtain signatures for the seller XXXX XXXX from the buyers without questions being aimed at the seller/builder and the builder not taking responsibility for not providing the sample warranty booklets for review prior to the application being signed.
This is highly unethical behavior. You should be able to trust the most important person in the buying process ( escrow ) to be honest and transparent.
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| 10/03/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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Subject : Urgent : Immediate Action Required on Complaint Against Multiple Corporate Entities Dear Consumer Financial Protection Bureau ( CFPB ), I am reaching out to express deep concern regarding a complaint I previously filed, which to date has either been met with no response or received inadequate attention that falls short of a thorough investigation and resolution of the raised issues. Complaint IDs XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX are pertinent.
I lodged a complaint against the following corporate entities : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My interactions with these organizations, particularly in the realms of mortgage origination, mortgage servicing, and title insurance, have unveiled a series of discrepancies, misrepresentations, and a considerable lack of due diligence on their parts, necessitating immediate and earnest attention and investigation.
Critical to my complaint is the intentional alteration of parcel identifiers pivotal elements in the chain of title and legal description of the property in question. These intentional modifications, conducted by local government officials, transpired after the execution of a purchase agreement contract with a homebuilder but crucially before the processes of mortgage origination and settlement closing. Moreover, the complaint outlines significant misrepresentations of corporate names and statuses at the time of mortgage origination and the issuance of misleading notices. Each identified issue not only infringes upon my consumer rights but also undermines the integrity and transparency that should inherently characterize financial transactions in our country.
I have attached detailed documentation and evidence to this letter to substantiate each aspect of my complaint, providing a comprehensive overview of the matters at hand.
The failure by the mentioned entities to address these discrepancies and oversights has led to significant confusion and distress on my part. These issues cast doubts over the validity and legality of the mortgage origination processes and the existence of a valid loan. Furthermore, the nuanced differences in corporate names, which might appear trivial, bear significant legal implications, potentially influencing the financial trajectory and legal standing of consumers involved.
Given the serious nature of these concerns, it is imperative that the CFPB takes immediate and decisive action. The practices of these corporations not only jeopardize individuals financial stability but also erode the public trust in financial institutions and the regulatory frameworks designed to oversee them.
I urge the CFPB to take my complaint into immediate consideration and initiate a thorough and unbiased investigation into the actions of the listed entities. I seek resolution and redress for the challenges I've encountered and hope that this process will contribute to safeguarding consumer rights and enhancing corporate accountability within our financial landscape.
Please feel free to contact me directly should you require further clarification or wish to discuss this matter in more detail. I earnestly await your prompt and careful attention to these significant issues. It is imperative that these concerns garner the immediate and utmost attention of both the CFPB and the Federal Trade Commission, as they bear grave implications for consumer protection and fair trade practices.
Thank you for your immediate attention and assistance regarding this pressing matter. I look forward to your timely and decisive action.
Yours sincerely, XXXX XXXX XXXX
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| 04/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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At the beginning of this year we decided to refinance our home. A combination of our credit scores and income documentation, lead to us finding XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX. Having been a mortgage banker for over 8 years, I did my due diligence with these folks upfront. We sent them over 150 pages of banking statements to be reviewed in detail and ensure that we were qualified financially before starting the loan process.
It took us 8 weeks to navigate the loan qualification process and then another 2 weeks for the closing. The end result is a deed of trust was recorded on our home and we were never given a loan. We reached out to them and the Stewart Title the day after the deed was recorded, only to learn that they had no intention of funding it and had begun the process of attempting to rescind the deed of trust. XXXX made the decision to halt funding and attempt to rescind my loan without letting us know. The collusion between the two companies is self-evident and is the reason neither made any effort to update us on Monday or Tuesday morning. There was a conscious decision made to withhold that information and an attempt to rescind the documentation without communicating any of it to us.
After a week of silence, we received an email from XXXX telling us that they sent Stewart Title a " satisfaction '' for the deed of trust. There has been no satisfaction to this loan, because there was never a loan itself. There was a misfiled deed of trust that remained on our home for over a week. There was no communication from XXXX during that timeframe and we still never received anything in writing as to what happened. We qualified and closed on a loan, that they chose to back out of at the 13th hour and then colluded with Stewart Title, their normal title company, to rescind the deed of trust without telling us. Not only did we supply this company with our 100 's of pages of personal documents, we also paid for an appraisal that meant nothing because they couldn't offer a product to justify it with. The result of this, is that in our current climate we are left in financial ruin, with no answers and two corporations that walked all over us. Both companies treated us poorly throughout the process and especially when it was time to fulfill their side of the qualified transaction.
The NC Bar Association has reviewed this information along with a 16 page timeline of the events and full communication that occurred. The Real Property division has decided to launch an investigation that is ongoing at this time. Both a litigation and real estate attorney have also reviewed the information and stated that there is a valid claim. It was noted that there was a breach in Stewart Title 's duties to us as a client when refusing to disburse the funds, as well as a breach in the loan commitment from XXXX XXXX. They have identified NC Statutes 45A-4 & 45A-7 and the Good Funds Settlement Act as just a few of the items that were all violated during this transaction.
The bottom line here is that there are multiple violations contained on pages 9-14. The rest of the information is to assist in understanding the timeline of events and negligence on the part of XXXX and Stewart Title.
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| 05/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage company, XXXX XXXX, has breached our Mortgage contract, and the attached XXXX XXXX. Our mortgage allows for HOA or " association dues, '' that do not replace the mortgage security interest, which they do not as Oklahoma is not an HOA Super XXXX state. The HOA dues are supposed to be escrowed. This is also allowed for in the XXXX XXXX. We were sued last year by our HOA in XXXX XXXX XXXX for HOA Dues that were not dated, and given a default judgment. I filed a Motion to Dismiss, the XXXX XXXX XXXX would not allow it stating that we did not pay a {$76.00} fee that is not listed anywhere. A collection agent is not supposed to be able to use small claims court under 12 O.S. 1751 ( B ), and that is what this attorney is. I was not able to go to court due to a XXXX, but the judge still gave a default judgment, with 850 % or {$2200.00} in attorney fees. My wife went to the hearing yesterday because it was a hearing on assets, but the collections attorney went ahead and put a stay on it. The court put down that the defendant failed to appear. So I'm not sure what is going on with the court. So the court and XXXX 's attorney both have violated XXXX XXXX XXXX XXXX has breached our mortgage contract, which is the point of this complaint. They have breached their duty of good faith by causing my wife and me undue stress with this lawsuit. We have written them, and they have sent us back XXXX or XXXX letters. I know the XXXX 's attorney wrote them because XXXX XXXX sent us a letter telling us that they received a letter from him. We never heard what happened. I called XXXX XXXX multiple times, and one time I was told, " sir, this is not our problem, you need to pay this. '' It is their problem. We don't owe these HOA dues, and they need to get this young man off of our backs. The small town Court could care less what we have to say. I'm copying our title company. I'm making a claim for title insurance. I found that the day our title insurance was taken out, the builder 's mortgage had not been paid off until the next day, XX/XX/XXXX. XXXX XXXX did not make their title change until XX/XX/XXXX. The XXXX XXXX XXXX made a huge change to the covenants in XX/XX/XXXX and completely changed them. Our household was not notified, and several others that I have talked to were not notified. The new document is very discriminatory, takes away all voting rights, and makes it to that XXXX board members can do whatever they want in the name of common areas that are not even close to my house. They are also fining people for things done on city streets and their own properties. This puts an undue burden on the title. I'm putting a claim on the title insurance for the full amount. I also am claiming a breach with XXXX XXXX.
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| 10/25/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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On XXXX XXXX, 2014, I went to Stewart Title located in XXXX WA to sign documents to close my home loan. XXXX XXXX XXXX was the escrow manager that closed my loan. At the time I was unaware of the personal relationship that XXXX XXXX had with the builder XXXX, XXXX and XXXX XXXX. I purchased my home from XXXX XXXX. XXXX XXXX worked for the XXXX, WA location of Stewart Title with XXXX XXXX for 7 years.
There was a {$490.00} fee assessed on my HUD 1 statement which was disbursed to XXXX XXXX. The line item explanation was reimbursement to XXXX XXXX per the XXXX At the time that I signed to close my loan I did not have a copy of the XXXX. I received a copy of the XXXX XXXX XXXX on XXXX XXXX, 2014 via email from XXXX. There was no specific information regarding what this reimbursement was for provided on the HUD1. The {$490.00} was disbursed to XXXX XXXX through the HUD 1.
The {$490.00} disbursed to XXXX XXXX as far as I am concerned was embezzled. I am asking that an investigation be conducted because it is my belief that Stewart Title is aiding in embezzling money from home buyers ( first time buyers ) by misappropriating funds to builders, in this case the owners of XXXX XXXX. Stewart Title also participated in a warranty scam with the builder XXXX XXXX by obtaining signatures from buyers at closing on a warranty application that Stewart Title was not authorized to administer and it was not relevant to the loans closing. This warranty application has created legal problems for every buyer in our community. Stewart Title also disbursed funds from the HUD 1 to pay for these warranties for the builder XXXX XXXX. Stewart Tilte obtained signatures on these warranty applications without disclosing the legal ramifications of signing the applications that they/Stewart Title were not authorized to obtain signatures on to start with.
Stewart Title has participated in embezzlement. The funds in the amount of {$490.00} should have been disbursed to the homeowners association not the builder XXXX XXXX. This is misappropriation closing funds. It 's a scam and every single buyer at XXXX in XXXX XXXX WA had the exact experience described above. Stewart Title obtained signatures from every buyer at closing on a sham warranty application with major legal ramifications for the buyers. Stewart Title has failed to provide detail of the {$490.00} reimbursement that they disbursed to XXXX XXXX.
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| 03/30/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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We purchased the timeshare in XX/XX/XXXX. Our children were young, and we used the exchange to vacation with them. After the children grew up, my husband and I continued to use the timeshare. When the maintenance fees began, we paid as expected. We are seniors now ; both of us were laid off and we have only Social Security as income. The invoice for maintenance fees was sent in XX/XX/XXXX and, in good faith, we paid them because we could. However, we noted that we could not continue to pay them because our income was insufficient. We had met with a bankruptcy attorney, and decided that it was our only relief. Our bankruptcy was filed, and all creditors, including our timeshare, were notified and given the hearing date for creditors. The timeshare creditors did not respond. All debts were XXXX on XX/XX/XXXX. Later that year, we received the XX/XX/XXXX invoice from the timeshare. I sent a letter explaining that we had to file bankruptcy, and were no longer owners. They did not respond. When it was clear that we were not going to pay any more, we began receiving threatening letters even though we no longer held any claim to the unit. The timeshare inventory agent told me that they had been made exempt in the bankruptcy law. I reviewed that law, and found that it spoke of " ... intentional wrongdoing '' by consumers, and " ... society 's interest in excepting those debts from discharge outweighs the debtor 's need for a fresh economic start. '' We take exception to that because we knew nothing of the law, and the timeshare did not respond when notified by the bankruptcy attorney. The fact that we surrendered the timeshare unit, and had it included in the bankruptcy, without dispute from the timeshare agents, should relieve us of any further attempts from them to collect from us. This is not a " postpetition assessment '' issue. If we had been advised that by paying the XX/XX/XXXXmaintenance fee it would exempt the timeshare from bankruptcy, we would not have paid it - again, we were acting in good faith. In turn, they have not.
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| 03/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
Servicemember |
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We bought a home offered through XXXX per realtor XXXX XXXX with a REC wrap around mortgage for which the title company gave us title insurance which protects us for marketablity in schedule A Because an attorney representing the debt collector XXXX XXXX, wants money in an " agreement '' with us, for the debt on the house, we wanted to sell the house to our son to keep the house in the family as the family has paid and lived in the house for the last 15 years. The title is in my name and my mom 's or both and I have owner 's title insurance in my name.
In 2009 the mortgagors gave up their equity position and special warranty deeds were kept in vault with XXXX XXXX until paid off ( the original loan that is wrapped, countrywide ) or refinanced.
Wehn we went to the bank to get a loan to pay the remainder of the real estate contract, we were told that the title company can not get a payoff because the bank refuses to cooperate withthe title company in the sale of our house we own.
We took title policy ensuring marketability and because of this lack of cooperation, we can not sell the house.
The loan and original note was XXXX. There has been 14 years of cash payments received by XXXX XXXX XXXX that took over the note of countrywide of XXXX and then sold off to the XXXX XXXX XXXX. The loan we were told should not change in terms or interest from the XXXX XXXX but who we make the payments to.
The bank is not disclosing the infomration needed to pay the original note when the title insurance was issued dnd the real estate contract was filed in the county clerk in XXXX to pay it off. It should be less than XXXX since we paid for 14 years.
Since we can not market the property because the original loan information is not disclosed to us without the consent of mortgagors who are not in the state nor the bank is cooperating to get paid, we can not sell it or refinance it. we should be covered by title insurance as per part A
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| 10/17/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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We would like to file a complaint on Stewart Title of California for {$55000.00} NSF deposit for Escrow not disclosed to us. On our 21 day escrow per the sales contract originally dated XX/XX/2018 we received confirmation XX/XX/XXXX they had received funds, but were never later notified that the funds were non-sufficient. We and Stewart title moved on with the escrow, we the seller made trips to Arizona for replacement property, hours of time and thousands of dollars were spent on Home Inspections, Pest Inspections and subsequent repairs, packing, renting storage, satisfying escrow and title needs with the knowledge that a deposit was in escrow. The buyer removed all contingencies on XX/XX/2018 and these monies were considered ours as the sellers. We then went on to sign all documents to close escrow at Stewart title in XXXX XXXX, Ca on XX/XX/XXXX assuming our property was sold. It was not until XX/XX/XXXX that Stewart Title notified all parties that they were resigning as title holder and terminating the escrow and at that time we were told that there were no funds to close the deal and the original funds previously acknowledged were not available.
As the escrow holder being the State Custodian of funds until released per contract which was non-refundable to buyer. Stewart Title violated the Contract, Escrow Agreement and Fiduciary Duties as Escrow Holder. As we were given no update that there were any issues with the escrow or the funding until days after signing the final sale documents, we believe Stewart title is responsible to pay us the complete sum of the liquidated damages of {$55000.00} per the sales contract.
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| 11/11/2016 |
Yes |
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- Settlement process and costs
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Web |
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First of all I am a widow and XXXX. my daughter came to visit me in XXXX and suggested I come to XXXX to live with her in the winter due to my XXXX. I agreed. I packed up my things but first went to visit her. She showed me a new home she wanted to buy saying it would be closer to her job. The closing took place during my visit and to my surprize she produced a gifting letter and insisted that I sign it. Well i wasnt sure what it was but she insisted again that it was noyhing for me to worry about. Promised her taxman would help avoid taxes and she promised to pay it back. Are you getting where this is going? I signed it. I headed back to XXXX and before I even got off the plane here comes her text messages saying she didnt think it would work out. I said ok but I have to get my money back. Time went by. She did send me {$500.00} and that was it. I did contact the closing company and they were not so nice and said too bad its a done deal.She actually was personal friends with the closing man. It totals to my loss as {$11000.00}. Is there any recourse besides civil court I can take. It was all the money i had and now she has me blocked and no communication at all.I am devistated and broke. Isnt there some sort of elder abuse or misrepresentation orfinancial exploytation in this mess. I cant seem to get any help ;
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| 11/25/2023 |
No |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Older American, Servicemember |
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i have been trying to refinance my land contract mortgage and I do not get a response from the fiduciary or the title company where the mortgage was created.
1. Who own my real estate contract now? Did you sell it to someone else? Respond to this question 2. Did someone paid it off? Respond to this question 3. please provide receipt of the final transaction before transfer/sale advising where the funds went, if they were sent partially to different places, a receipt of the transaction 4. May I have copies of the cashed checks and all checks I have paid for the contract ( cashier checks I provided to the trust company XXXX Escrow ). I was told by the senior law office and the veteran case worker ( we are military family and married to military officer ) that we are to have copies of front and back of all checks we paid and given to the escrow company since WE paid them. It is our money from pensions and social security.
XXXX. The courts should have XXXX but only XXXX appeared to payoff the real estate contract that wraps the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. If there is a " change in the terms '' please provide reasons of change.
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| 02/07/2018 |
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 |
Servicemember |
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on XX/XX/2012 XXXX XXXX XXXX XXXX a Paid in Full Letter ... After Obtain This Loan From XXXX Who the Government Shut Down ... XXXX XXXX XXXX, Sold the Note to Stewart Title Company who Title the Home For XXXX originally ... As of This Day, after Paying Funds To XXXX & XXXX XXXX XXXX ... Stewart Title has harrassed my family..by Phone & Mail ... .attempting to Collect the First original loan of {$62000.00} ... It's Painful to myself a XXXX XXXX ... Single Father of an XXXX yr old ... XXXX XXXX XXXX claims Stewart Paid Them {$55000.00} ... .I never knew This until many years Later ... .I 'm not trying to just let these folk take my Retirement Family Home ... I need so real HELP Upon Taken out this Loan, I was Charged Fee 's To cover insurance on Errors Made On this Loan ... So ... This title Company Out to have Wrote this Off ... It's No Error Due To Me or my Family For This Issue or Harassment by Phone and Mail ... It's causing me much Heart ache & Lack of Sleep ... .Thinking Their trying to Rob me out of Money already Been Paid out ... .I Was Never Late And Paid As required ... .Where 's the Already Paid out Money?
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| 08/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX XXXX XXXX received a contract for a purchase, with an Addendum that the buyer and realtor was not aware of. The addendum is forcing the buyer to use Stewart Title as their closing agent, and having the buyer pay for their own title policy, This was not disclosed by the Listing agent in the XXXX, nor was it disclosed to the selling agent for the buyers. The contract was checked that the buyer wanted to select title agent and pay for their own title policy. In normal situation, and even in Foreclosed properties, the one who chooses the title/closing agent/attorney pays for the title policy.
The addendum that the buyers signed is deceptive because it supersede the contract choice, but failed to state that the seller will continue to pay for title policy.
Stewart Title Company, The Seller XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX the Listing company seems to be in bed together, because this is deceptive and should have been disclosed by the listing agent and in the XXXX, including an Affiliate Business Arrangement Disclosure. I guess this is how these company do business. This is a clear violation of RESPA.
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| 05/25/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX Stewart Title XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at XXXX Bank. Their bank is XXXX. The wire wasnt sent until XXXX the XXXX. The wire has been sitting at XXXX Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says XXXX emailed the wrong dept. it has sat at XXXX for almost 2 weeks now. I have called them many many times. I contacted Stewart Title for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!
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| 07/10/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/2018 XXXX and XXXX XXXX sold our home ( XXXX XXXX XXXX XXXX, Washington DC ) to XXXX XXXX and XXXX XXXX. At settlement, The Stewart Title Company explained to us not to discontinue any bills and that they would be responsible for paying the water bill to keep the services on. They told us this after we paid the pro-rated water bill {$220.00}. The {$220.00} was drafted out of our account, after XXXX XXXX after I vacated the premises.
1. Stewart Title company paid XXXX. and XXXX and I paid {$220.00}, which made a credit amount of {$440.00} cr. on the account which is still in our name. I talked to XXXX XXXX ( XXXX ), the escrow specialist and she is supposed to send an OCR to XXXX XXXX XXXX XXXX to discontinue and remove our name off the water records. I talked to a Mr. XXXX from XXXX XXXX ( XXXX ) and he said they had not turned anything in.
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| 06/19/2018 |
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 Stewart title is erroneous inaccurately reporting incorrect public information on me stating that I have a child support judgement that is not even my name. Fortunately, I'm NOT some random XXXX who did/does NOT know who his father is/was ( XXXX XXXX XXXX ), nor have I ever been married, or had children, or been to ANY XXXX child support court! Nor am I a XXXX ( 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 XXXX motivated negligent inaccurate XXXX XXXX XXXX, that ALL XXXX are alike!!!
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| 08/02/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT NOS. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX, XX/XX/2023 PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH PROPERTY OWNERS AND CONDOMINIUM UNIT ASSOCIATIONSACCOUNT NOS : XXXX, XXXX, AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ XXXX XXXX XXXX XXXX XXXX ] AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
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| 10/11/2023 |
No |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
- Fees or costs during the application process
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Web |
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I recently went over amounts of different fees on mortgage statement ; by hand. What I discovered was deliberate fraud, misleading information, accounts added claiming we signed for other loans and amounts ( these same accounts were paid off by us before we went to closing ).
The discrepancies that are on the loan are very deliberate and there is no way for these amounts to have been mistaken.
We were charged XXXX of dollars more than what we should have been.
I have contacted the title company ( that originally did our loan paperwork and have been given the run around by this company as well.
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| 04/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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My title company, Stewart Title, came back to me 30 days or so after settlement and said that my deed had been rejected from the county because of insufficient funds for taxes. The title guy tells me I have to pay the amount ( {$710.00} ) or the deed will not be processed. Basically they screwed up my HUD 1 cost sheet, and now I owe more money than I initially planned for. They are not offering any discount or even apology. What is my responsibility? Do I have to pay? Is n't the title company responsible for " getting it right '' at settlement? Is n't that why I pay them the title fee?
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| 04/25/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I REFINANCED MY HOME WITH XXXX XXXX XXXX IN ILLINOIS.
THE OWNER IS AN ATTORNEY BY THE NAME OF XXXX XXXX.
HE KEPT MY ESCROW MONEY IN THE AMOUNT OF {$160000.00} AND NEVER RETURNED IT.
THE COMPANY GOT SHUT DOWN FOR FRAUD. XXXX XXXX, WHO WAS THE UNDERWRITER, WAS NOT RESPONSIBLE TO ME BECAUSE XXXX XXXX WAS COMMITTING FRAUD. THE ESCROW ACCOUNT HAD MILLIONS OF DOLLARS IN IT WHEN IT WAS SHUT DOWN. XXXX STILL PRACTICES LAW TODAY AND LET HIS WIFE GO TO JAIL.
HERE IS DOCUMENTS FROM MY LAWYER XXXX LIED AT TRIAL IN MY CASE
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| 09/30/2015 |
Yes |
- Other financial service
- Traveler’s/Cashier’s checks
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Web |
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On XX/XX/XXXX 2006, I entered into a contract to buy a condo development which was under construction at The Residences XXXX. I gave a down payment of {$140000.00} which was 50 % of the purchase price. I made XXXX payments XX/XX/XXXX, 2006. All checks were made payable to Stewart Title Escrow. They were cashier 's checks XXXX. About 5 years ago I went to Stewart Title to try and get my down payment back but they would not give it to me. I am hoping that you can help me get me money back from Stewart Title.
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| 03/19/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I have not been paid by XXXX XXXX investor Vendors, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX c/o XXXX XXXX, and XXXX XXXX, for XXXX XXXX XXXX XXXX that started XX/XX/03, & is now traded on Stock Market, as shown in emails sent to me from XXXX XXXX, et al., under STOCK.I.D. named stc.They change their stock I.d . and business name or structure between emails to continue the fraud trading, buying, selling, competing with my stock.
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| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American, Servicemember |
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I am selling my home and the title company says that I have outstanding child support payment due. I called the Department of Social Services and they told me that they have no record on me. They think this issue came about because my name is a very common name.
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| 12/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Phone |
Older American |
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| 10/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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| 10/17/2022 |
No |
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- Trouble during payment process
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Web |
Servicemember |
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| 02/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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| 10/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Phone |
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| 02/03/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 02/23/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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- Problem with customer service
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Web |
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| 10/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Phone |
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| 10/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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| 09/18/2016 |
Yes |
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- Settlement process and costs
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Web |
Older American |
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| 08/15/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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| 05/17/2016 |
Yes |
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- Settlement process and costs
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Phone |
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| 01/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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| 10/03/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
Older American, Servicemember |
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