|
6019358
|
2022-09-24
|
Problem with a company's investigation into an existing issue
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing issue
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2022-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2236796
|
2016-12-05
|
Settlement process and costs
|
Mortgage
|
|
| Issue |
Settlement process and costs
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-12-05
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1508881
|
2015-08-07
|
Settlement process and costs
|
Mortgage
|
|
| Issue |
Settlement process and costs
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-08-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3511666
|
2020-01-28
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem canceling credit monitoring or identify theft protection service
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9790383
|
2024-08-13
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-08-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-13
|
| Complaint What Happened |
Escrow Deposit for a cancelled contract by ALL PARTIES and provided to Title Company was never returned. I have repeated called XXXX XXXX @ XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7420631
|
2023-08-18
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-08-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-24
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6725328
|
2023-03-20
|
Closing on a mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-03-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-20
|
| Consumer Consent Provided |
N/A
|
|
|
2572024
|
2017-07-12
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2017-07-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-12
|
| Consumer Consent Provided |
N/A
|
|
|
3129081
|
2019-01-19
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2019-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-19
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
638380
|
2013-12-18
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2013-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-12-18
|
| Consumer Consent Provided |
N/A
|
|
|
2899387
|
2018-05-08
|
Money was not available when promised
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Money was not available when promised
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2018-05-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-09
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2827267
|
2018-02-27
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2018-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-23
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5183469
|
2022-02-04
|
Problem with a company's investigation into an existing issue
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing issue
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2022-02-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-04
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2160528
|
2016-10-14
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2016-10-14
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-30
|
| Consumer Consent Provided |
N/A
|
|
|
6019338
|
2022-09-24
|
Problem with a company's investigation into an existing issue
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing issue
|
| Timely |
Yes
|
| Company |
FIRST AMERICAN FINANCIAL CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2022-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-24
|
| Consumer Consent Provided |
Consent not provided
|
|
