Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter MsB [redacted] repeatedly instructed that I would be exempt from paying taxes on the STRUCTURE; instead, I would only pay my share on the landThis was what I was told by MsB***This was discussed numerous timesIn addition, I discovered, two months after moving into the home, that my [redacted] expenses were 150% higher than what was disclosedDo you feel I was well represented? MsB [redacted] and Comey & Shepherd did not represent meMsB [redacted] has been a realtor for years and should have known betterHer lack of understanding or unwillingness to share the details on the transaction cost me over $9,for taxes I DID not oweThe [redacted] confirmed that the prior owner should have paid the taxI only lived in the home for days in 2014, but paid 90% of the taxes that yearHow was I represented in this transaction? MsB [redacted] made no effort to remedy the financial damages and has insisted her representation was adequateComey & Shepherd collected their commission leaving me with a $9,tax bill that the seller should have paid and [redacted] expense 150% higher than what was disclosed at closing Concerning my knowledge of the transaction, I only signed the contract after confirming with you and Comey & Shepherd on the accuracy of the information including my tax liability in I am not a real estate agent nor do I make a living representing clients buying real estateI would never have signed a contract knowing I would take on someone else’s tax liabilityI did not received representation in this transactionHow would you feel? Concerning my tax liability in future years, of course I knew my taxes would increase in 2015, but contrary to what you stated, I ended paying the seller’s taxes in to the tune of $9,along with $1,of undisclosed *** Regards, [redacted]
It is my understanding that the complaint has been settled with the complainant who has received a monetary settlement and signed a release recognizing no fault on Comey & Shepherd/Jessica B***'s part. Please close this file with a positive outcome due to our diligence in responding to consumer
We will be unable to provide a copy of the confidential resolution agreement, but the issue is settled Please know that we have spent considerable time and effort to resolve
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I put my trust in Comey & Shepherd.
Issue 1: Because of the inaccurate information provided by Comey & Shepherd, whether intentional or not, I lost many thousands of dollars on a home closing that should have been routine. I inquired about the closing tax credit and Comey & Shepherd repeatedly assured me of the accuracy. This turned out to be a devastating unexpected $9,000 debt. In 2014, I lived in my home for approximately 49 days but paid over $9,000 in property taxes. Comey & Shepherd has made no effort to correct this issue. They made over $11,000 in fees for driving my family around for one weekend. I will continue to communicate my story to all that will listen.
Issue 2: In addition to my tax debt due to the closing misinformation, I had another post-closing discovery of an additional $1,100 in undisclosed annual home owner fees. I am now saddled with an additional $1,100 each and every year. We would NOT have purchased this home knowing that I would owe such high fees on an annual basis. Again, Comey & Shepherd has made no effort what so ever to financial correct this issue.
I will continue to make my story known. Accidents and mistakes do happen, but this is a situation where I put my trust into this relationship, but feel Comey & Shepherd has done absolutely nothing to correct these very damaging financial issues and have completely turned their back on my family.
Regards,
[redacted]
Having trouble adding multiple attachments
Hi and thank you for looking into my complaints.
Just to quickly recap - I had to major issue with my home closing and they are as follows:
1) I had approximately $1,100 in undisclosed [redacted] fees. I would never have bought this home knowing I would owe $2,000 a year in mandatory fees. (Please see attached emails where Ms. B[redacted] admits that the fees were not disclosed to me.) Comey & Shepherd has offered no defense to this issue.
2) Ms. B[redacted] with Comey & Shepherd mislead me on my tax liability. I was repeatedly told that my tax liability for 2014 was accurate. I was shocked when I received a bill from my bank for $9,100 ten months after closing. Ms. B[redacted] denies that I asked such questions. Why would anyone agree to pay someone else's taxes. I owned the home for 50 days in 2014, but owed over $9,000 in taxes. The prior owner did not pay their share of taxes. Comey & Shepherd did not represent me in this transaction. On the tax issue, Ms. B[redacted] has hid behind the legality of the tax calculations. How could Comey & Shepherd put me in such a financial hole?
I met with the Warren County Auditor, Matt Nolan, and he stated that he had never seen such a severe calculation difference happen in all his years. There is also an investigation in process through the Ohio State Real Estate Commissions Office led by Edward Schirtzinger. Edward can be reached at the following email address - [email protected]
Please let me know if you need more details. As a side note, I have noticed that Comey & Shepherd does not want to talk about issue #1 from above. Not sure whether they have some type of internal investigation or other reasons why it is not being discussed.
[redacted] signed a contract to purchase and addenda from the relocation company (seller) that addressed prorations at closing. I have worked with him in the past, he has purchased new or newer homes before, nobody knew what the taxes would be or when the property would be revalued and taxes be reassessed, I did not talk to him about details of property taxes.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter
Ms. B[redacted] repeatedly instructed that I would be exempt from paying 2014 taxes on the STRUCTURE; instead, I would only pay my share on the land. This was what I was told by Ms. B[redacted]. This was discussed numerous times. In addition, I discovered, two months after moving into the home, that my [redacted] expenses were 150% higher than what was disclosed. Do you feel I was well represented?
Ms. B[redacted] and Comey & Shepherd did not represent me. Ms. B[redacted] has been a realtor for 22 years and should have known better. Her lack of understanding or unwillingness to share the details on the transaction cost me over $9,000 for taxes I DID not owe. The [redacted] confirmed that the prior owner should have paid the 2014 tax. I only lived in the home for 45 days in 2014, but paid 90% of the taxes that year. How was I represented in this transaction?
Ms. B[redacted] made no effort to remedy the financial damages and has insisted her representation was adequate. Comey & Shepherd collected their commission leaving me with a $9,000 tax bill that the seller should have paid and [redacted] expense 150% higher than what was disclosed at closing.
Concerning my knowledge of the transaction, I only signed the contract after confirming with you and Comey & Shepherd on the accuracy of the information including my tax liability in 2014. I am not a real estate agent nor do I make a living representing clients buying real estate. I would never have signed a contract knowing I would take on someone else’s tax liability. I did not received representation in this transaction. How would you feel?
Concerning my tax liability in future years, of course I knew my taxes would increase in 2015, but contrary to what you stated, I ended paying the seller’s taxes in 2014 to the tune of $9,000 along with $1,100 of undisclosed [redacted].
Regards,
[redacted]
See attached document[redacted] claims that I repeatedly talked to him about tax exemptions for his home purchase and that this was a key selling point. Also, that I misrepresented his tax liability. [redacted]’s statements are false. I did not talk to him about tax exemptions. No homeowners are exempt from property taxes. This is not a Realtor’s decision or calculation. Realtors do not have anything to do with tax bills or assessed values. We did not discuss this a number of times leading up to the November 2014 closing as [redacted] claims. He does not have any emails or proof where I have said this. I told [redacted] during the transaction that taxes were not assessed yet on the property because the home was so new. That’s it. I told him that I would have no idea when the taxes would be assessed or for how much. I have been a Realtor for 22.5 years full time. [redacted] is upset because he did not get a credit at closing from the seller (relocation company) for taxes prior to his ownership and now he is being assessed by the county for those taxes. [redacted] wants someone to pay the bill for him because he is upset. I feel accusing me of saying things to him during the transaction is unfair. I helped him address this issue with the seller immediately in October 2015 when he found out about it. I made contact with the seller’s realtor and did everything I could do to resolve the issue. The seller (relocation company) said no. They said that all prorations were final as of closing, per the addendum signed prior to closing. · [redacted] has purchased other brand NEW homes in the past. He has experience in new homes in the area and how taxes work. I was his Realtor on a buyer purchase new home in the past. · He also hired me to sell a home for him in the past. This transaction is the 3rd time we have worked together. [redacted] chose me to be his Realtor again and again. · The home he recently purchased was owned by a relocation company. They had him sign an addendum that states all prorations are final. [redacted] read this and signed it prior to closing. · Attached are the documents that [redacted] signed prior to and at closing. The Contract to Purchase also states that proration of taxes is based on the latest tax duplicate and final at closing. I do not feel I have done anything wrong in this transaction. Also, [redacted]’s loan officer at the bank told him that taxes would be assessed approximately one year later and the taxes would be assessed on land only in the meantime. She explained to him that he should save money each month so he would have enough money to pay the tax bill when it was assessed with the house and land. She told [redacted] that taxes would go up. She told him that the payment would go up with the new assessed taxes because they were being escrowed. She offered to refinance the loan 1 year after closing to incorporate any shortage of taxes into a new loan AND lower the monthly PMI at the same time. They discussed this repeatedly. She also instructed [redacted] that he should call her when the tax bill came out in January 2015 so they can review it. She told him that changes to assessed values usually happen at the beginning of the year. [redacted] knew taxes were being assessed on land only. He knew his monthly payment would be going up when the house and land taxes were assessed. He was told this repeatedly by his loan officer AND he has purchased new homes in the past. The fact that he didn’t get a tax credit from the seller (relocation company) at closing was clearly displayed on the [redacted] closing statement that he signed at closing. -Jessica
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter
I only signed the agreement after Ms. B[redacted] assured me that the taxes stated on the agreement were accurate for 2014. In fact, Ms. B[redacted] instructed me that I was exempt from paying taxes on the home structure in 2014. This was incorrect and now cost me 8 times the tax credit I received. I had to come up with an additional $8,000 in taxes for 2014. I owned the home for 45 days of 2014. Comey & Shepherd works with clients on a daily basis. How and why was I not protected?? They continue to state that nothing went wrong. Home owners, I had to come up with an additional $8,000 six months later or lose my home.
I received very little representation and the representation I received cost me an additional $8,000 for the home purchase.
Home buyers, beware of Comey & Shepherd. They have made absolutely no effort to correct the damage. Ask yourself, how can they accept commission when their client was financial damaged???
Regards,
[redacted]
Hello and thank you for the follow-up.
Comey & Shepherd and I have come to an agreement settling our post home close issues. I am satisfied with the agreement and do not wish to continue with the dispute.
Thank you very much for your assistance. Please let me know if you need anything further to bring this matter to close.
Regards,
[redacted]
[redacted] should have been aware of all charges and prorations at or prior to closing. We can provide documentation to verify disclosure of any and all known facts. I will provide emails from our agent who handled this transaction to verify that at no time was our agent at fault. ...
She also attempted to further explain once [redacted] expressed concern some time after the closing and at no time ignored his contact. Please provide an email address to which I can forward our agent's response and documentation.
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter MsB [redacted] repeatedly instructed that I would be exempt from paying taxes on the STRUCTURE; instead, I would only pay my share on the landThis was what I was told by MsB***This was discussed numerous timesIn addition, I discovered, two months after moving into the home, that my [redacted] expenses were 150% higher than what was disclosedDo you feel I was well represented? MsB [redacted] and Comey & Shepherd did not represent meMsB [redacted] has been a realtor for years and should have known betterHer lack of understanding or unwillingness to share the details on the transaction cost me over $9,for taxes I DID not oweThe [redacted] confirmed that the prior owner should have paid the taxI only lived in the home for days in 2014, but paid 90% of the taxes that yearHow was I represented in this transaction? MsB [redacted] made no effort to remedy the financial damages and has insisted her representation was adequateComey & Shepherd collected their commission leaving me with a $9,tax bill that the seller should have paid and [redacted] expense 150% higher than what was disclosed at closing Concerning my knowledge of the transaction, I only signed the contract after confirming with you and Comey & Shepherd on the accuracy of the information including my tax liability in I am not a real estate agent nor do I make a living representing clients buying real estateI would never have signed a contract knowing I would take on someone else’s tax liabilityI did not received representation in this transactionHow would you feel? Concerning my tax liability in future years, of course I knew my taxes would increase in 2015, but contrary to what you stated, I ended paying the seller’s taxes in to the tune of $9,along with $1,of undisclosed *** Regards, [redacted]
It is my understanding that the complaint has been settled with the complainant who has received a monetary settlement and signed a release recognizing no fault on Comey & Shepherd/Jessica B***'s part. Please close this file with a positive outcome due to our diligence in responding to consumer
We will be unable to provide a copy of the confidential resolution agreement, but the issue is settled Please know that we have spent considerable time and effort to resolve
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I put my trust in Comey & Shepherd.
Issue 1: Because of the inaccurate information provided by Comey & Shepherd, whether intentional or not, I lost many thousands of dollars on a home closing that should have been routine. I inquired about the closing tax credit and Comey & Shepherd repeatedly assured me of the accuracy. This turned out to be a devastating unexpected $9,000 debt. In 2014, I lived in my home for approximately 49 days but paid over $9,000 in property taxes. Comey & Shepherd has made no effort to correct this issue. They made over $11,000 in fees for driving my family around for one weekend. I will continue to communicate my story to all that will listen.
Issue 2: In addition to my tax debt due to the closing misinformation, I had another post-closing discovery of an additional $1,100 in undisclosed annual home owner fees. I am now saddled with an additional $1,100 each and every year. We would NOT have purchased this home knowing that I would owe such high fees on an annual basis. Again, Comey & Shepherd has made no effort what so ever to financial correct this issue.
I will continue to make my story known. Accidents and mistakes do happen, but this is a situation where I put my trust into this relationship, but feel Comey & Shepherd has done absolutely nothing to correct these very damaging financial issues and have completely turned their back on my family.
Regards,
[redacted]
Having trouble adding multiple attachments
Hi and thank you for looking into my complaints.
Just to quickly recap - I had to major issue with my home closing and they are as follows:
1) I had approximately $1,100 in undisclosed [redacted] fees. I would never have bought this home knowing I would owe $2,000 a year in mandatory fees. (Please see attached emails where Ms. B[redacted] admits that the fees were not disclosed to me.) Comey & Shepherd has offered no defense to this issue.
2) Ms. B[redacted] with Comey & Shepherd mislead me on my tax liability. I was repeatedly told that my tax liability for 2014 was accurate. I was shocked when I received a bill from my bank for $9,100 ten months after closing. Ms. B[redacted] denies that I asked such questions. Why would anyone agree to pay someone else's taxes. I owned the home for 50 days in 2014, but owed over $9,000 in taxes. The prior owner did not pay their share of taxes. Comey & Shepherd did not represent me in this transaction. On the tax issue, Ms. B[redacted] has hid behind the legality of the tax calculations. How could Comey & Shepherd put me in such a financial hole?
I met with the Warren County Auditor, Matt Nolan, and he stated that he had never seen such a severe calculation difference happen in all his years. There is also an investigation in process through the Ohio State Real Estate Commissions Office led by Edward Schirtzinger. Edward can be reached at the following email address - [email protected]
Please let me know if you need more details. As a side note, I have noticed that Comey & Shepherd does not want to talk about issue #1 from above. Not sure whether they have some type of internal investigation or other reasons why it is not being discussed.
[redacted] signed a contract to purchase and addenda from the relocation company (seller) that addressed prorations at closing. I have worked with him in the past, he has purchased new or newer homes before, nobody knew what the taxes would be or when the property would be revalued and taxes be reassessed, I did not talk to him about details of property taxes.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter
Ms. B[redacted] repeatedly instructed that I would be exempt from paying 2014 taxes on the STRUCTURE; instead, I would only pay my share on the land. This was what I was told by Ms. B[redacted]. This was discussed numerous times. In addition, I discovered, two months after moving into the home, that my [redacted] expenses were 150% higher than what was disclosed. Do you feel I was well represented?
Ms. B[redacted] and Comey & Shepherd did not represent me. Ms. B[redacted] has been a realtor for 22 years and should have known better. Her lack of understanding or unwillingness to share the details on the transaction cost me over $9,000 for taxes I DID not owe. The [redacted] confirmed that the prior owner should have paid the 2014 tax. I only lived in the home for 45 days in 2014, but paid 90% of the taxes that year. How was I represented in this transaction?
Ms. B[redacted] made no effort to remedy the financial damages and has insisted her representation was adequate. Comey & Shepherd collected their commission leaving me with a $9,000 tax bill that the seller should have paid and [redacted] expense 150% higher than what was disclosed at closing.
Concerning my knowledge of the transaction, I only signed the contract after confirming with you and Comey & Shepherd on the accuracy of the information including my tax liability in 2014. I am not a real estate agent nor do I make a living representing clients buying real estate. I would never have signed a contract knowing I would take on someone else’s tax liability. I did not received representation in this transaction. How would you feel?
Concerning my tax liability in future years, of course I knew my taxes would increase in 2015, but contrary to what you stated, I ended paying the seller’s taxes in 2014 to the tune of $9,000 along with $1,100 of undisclosed [redacted].
Regards,
[redacted]
See attached document[redacted] claims that I repeatedly talked to him about tax exemptions for his home purchase and that this was a key selling point. Also, that I misrepresented his tax liability. [redacted]’s statements are false. I did not talk to him about tax exemptions. No homeowners are exempt from property taxes. This is not a Realtor’s decision or calculation. Realtors do not have anything to do with tax bills or assessed values. We did not discuss this a number of times leading up to the November 2014 closing as [redacted] claims. He does not have any emails or proof where I have said this. I told [redacted] during the transaction that taxes were not assessed yet on the property because the home was so new. That’s it. I told him that I would have no idea when the taxes would be assessed or for how much. I have been a Realtor for 22.5 years full time. [redacted] is upset because he did not get a credit at closing from the seller (relocation company) for taxes prior to his ownership and now he is being assessed by the county for those taxes. [redacted] wants someone to pay the bill for him because he is upset. I feel accusing me of saying things to him during the transaction is unfair. I helped him address this issue with the seller immediately in October 2015 when he found out about it. I made contact with the seller’s realtor and did everything I could do to resolve the issue. The seller (relocation company) said no. They said that all prorations were final as of closing, per the addendum signed prior to closing. · [redacted] has purchased other brand NEW homes in the past. He has experience in new homes in the area and how taxes work. I was his Realtor on a buyer purchase new home in the past. · He also hired me to sell a home for him in the past. This transaction is the 3rd time we have worked together. [redacted] chose me to be his Realtor again and again. · The home he recently purchased was owned by a relocation company. They had him sign an addendum that states all prorations are final. [redacted] read this and signed it prior to closing. · Attached are the documents that [redacted] signed prior to and at closing. The Contract to Purchase also states that proration of taxes is based on the latest tax duplicate and final at closing. I do not feel I have done anything wrong in this transaction. Also, [redacted]’s loan officer at the bank told him that taxes would be assessed approximately one year later and the taxes would be assessed on land only in the meantime. She explained to him that he should save money each month so he would have enough money to pay the tax bill when it was assessed with the house and land. She told [redacted] that taxes would go up. She told him that the payment would go up with the new assessed taxes because they were being escrowed. She offered to refinance the loan 1 year after closing to incorporate any shortage of taxes into a new loan AND lower the monthly PMI at the same time. They discussed this repeatedly. She also instructed [redacted] that he should call her when the tax bill came out in January 2015 so they can review it. She told him that changes to assessed values usually happen at the beginning of the year. [redacted] knew taxes were being assessed on land only. He knew his monthly payment would be going up when the house and land taxes were assessed. He was told this repeatedly by his loan officer AND he has purchased new homes in the past. The fact that he didn’t get a tax credit from the seller (relocation company) at closing was clearly displayed on the [redacted] closing statement that he signed at closing. -Jessica
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter
I only signed the agreement after Ms. B[redacted] assured me that the taxes stated on the agreement were accurate for 2014. In fact, Ms. B[redacted] instructed me that I was exempt from paying taxes on the home structure in 2014. This was incorrect and now cost me 8 times the tax credit I received. I had to come up with an additional $8,000 in taxes for 2014. I owned the home for 45 days of 2014. Comey & Shepherd works with clients on a daily basis. How and why was I not protected?? They continue to state that nothing went wrong. Home owners, I had to come up with an additional $8,000 six months later or lose my home.
I received very little representation and the representation I received cost me an additional $8,000 for the home purchase.
Home buyers, beware of Comey & Shepherd. They have made absolutely no effort to correct the damage. Ask yourself, how can they accept commission when their client was financial damaged???
Regards,
[redacted]
Hello and thank you for the follow-up.
Comey & Shepherd and I have come to an agreement settling our post home close issues. I am satisfied with the agreement and do not wish to continue with the dispute.
Thank you very much for your assistance. Please let me know if you need anything further to bring this matter to close.
Regards,
[redacted]
[redacted] should have been aware of all charges and prorations at or prior to closing. We can provide documentation to verify disclosure of any and all known facts. I will provide emails from our agent who handled this transaction to verify that at no time was our agent at fault. ...
She also attempted to further explain once [redacted] expressed concern some time after the closing and at no time ignored his contact. Please provide an email address to which I can forward our agent's response and documentation.