Chicago Title Insurance Company

As a real estate investor, I will never use Chicago Title for any closings for as long as I liveThe extent of my experience with Chicago Title at the [redacted] location in Chicago goes to show how poorly we were treated and how this company will rob you blind the minute you blinkLuckily for me as a seller in the state of Illinois, I always get to choose where I do my closings and believe me when I say, Chicago Title just lost a customer that could have potentially brought a lot of good business to themWe had a closing on Wednesday October 19, We did everything but closeAs a seller, I didn't expect to be given so many problemsBut that's what I was givenOn Monday morning, our attorney notified us that we had to have our trades fill out a "Lien Waiver" form that basically says we don't owe them any moneySimple right? I had my trades fill it out and we happily arrived at settlement days laterWe get there and we're told that our property was flagged for being a new house and having only had the construction done within monthsFirst, I don't believe Chicago Title has the slightest clue between the difference of "New Construction" and a "Rehab"If my review could be longer, I would be more than happy to explain the difference between the two because Chicago Title so clearly employ uneducated people who can't tell the difference so they just lump the two together when in doubtSo we were told that the lien waivers we had our trades fill out was not enoughDigital signatures are not acceptable AND my trades must provide any and all receipts for where they bought their materials for the house they worked onMy husband asked a fantastic question regarding this: "Would you like me to go to [redacted] and ask them where they got their supplies from as well?" The construction manager down at the loop location in Chicago (Felicia) made sure that we jumped through hoops before they released the funds that was so rightfully oursNothing we filled in would satisfy herIt took us two days of running around to all our trades to get signatures and copies of receipts (at least what they could provide) to close and at the end of it, our closer, Dania, charged us an additional $to "review the construction lien waivers"We were never notified to be charged this ridiculous feeWe never asked them to do thisThey just did it because they realized it was money they can take without anyone saying anything about itSo Chicago Title, I just want you to know that I will never step foot in any of your poorly ran establishmentsYour employees are rude, no one can explain our questions with absolute certainty or without the run around, I hope this review reaches many real estate investors as wellJust because you guys have grown at the size you have, doesn't give you any right to mistreat your clientsWe chose YOU to take care of US during closingNOT give us a difficult time on our most happiest day of settlement and take as much money as you pleaseWe WORK HARD for our money and we earned itWe all don't go out looking to rob people any chance we getMuch like youGoodbye forever Chicago TitleI will continue to spread my bad experience to anybody who even brings up your establishment or even thinks about choosing you for a closingYou offer nothing but headaches and fees because your whole business was built on disrespect, shady business, and rudeness

---------- Forwarded message ----------From: W [redacted] Shelley Date: Thu, Sep 15, at 12:PMSubject: Revdex.com Complaint [redacted] To: "***@cleveland.Revdex.com.org" Cc: "P [redacted] , Andrea" , "W [redacted] Shelley" HelloThe transaction between [redacted] - [redacted] and [redacted] was originally scheduled to close per the contract on July 25, 2016, however the lender delayed the closing until August because the appraisal was not ready All funds and documents were received in escrow and we transferred on August 11, Several business days after closing it was brought to our attention by the mortgage company that there was an additional month's interest dueWhen the seller, [redacted] - [redacted] was contacted by [redacted] Title, he refused to pay the additional interest [redacted] Title has paid the additional $that was due to pay the mortgage in full.Shelley AW [redacted] AVP/Residential Sales & Escrow ManagerNorthern Ohio Area [redacted] TitlePearl RoadStrongsville, OH 44136(330) 388-cell (216) 925-direct faxShelley.W [redacted] @ctt.com

Initial Business Response / [redacted] (1000, 5, 2014/06/11) */ At closing there were funds held back to pay the [redacted] County taxes for 1st installmentOnce the tax bills become available we are able to print bills and send payment into the county which was completed on May 14thThe taxes were not due until June 2nd, however we pay them as soon as we canOur policy is to ensure the tax payment check clears and that the payment is posted to the correct property according to the county's website, at which time we issue any overage to the customerMs [redacted] 's check was issued May 29th and cleared our bank on June 2nd, so we trust this issue was resolved to everyone's satisfactionCertainly we wish to clearly communicate this process to our customers, and apologize for any inconvenience the lack of contact may have caused Ms [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/06/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have received my checkBut I don't appreciate the lack of communication after several voicemails had been left with no return call

We received the request from Mr [redacted] on December 5thDuring that time we had an office move and employees had been out due to illness, which prohibited us to respond promptlyWhen Mr [redacted] contacted us on January 4th to inquire about his refund of the final water and sewer hold, we processed his refund the same day and immediately notified him that the refund would be processed and put in the mailHe confirmed receipt of funds on January 10th

Initial Business Response / [redacted] (1000, 8, 2015/10/30) */ Good morning, We received your letter in regard to the above reference Case. The Lenar Charitable Housing Foundation was actually disclosed on the Preliminary Report approved by the Buyer during the escrow period. The fee is charged to the... Seller and unfortunately was missed by our Escrow Officer at closing. We were contacted by the client about the error and we issued a check to pay the fee. The check was mailed to Lenar on October 12, 2015 and the check cleared our account on October 21, 2015. Mr. [redacted] was informed of the resolution as well. Please let us know if you need any further information. Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Dear Ms***:Please allow this letter to serve as a response on behalf of Chicago Title Company ofWashington ("CTC") and Chicago Title Insurance Company ("CTIC" and collectively, the"Company")The Company has reviewed the information provided by the Complainant in theabove-referenced
Revdex.com Complaint (the "Complaint"), and hereby responds asfollows.Based on the information available, the Company understands the facts to be as follows:On or about March 28, 2016, the Complainant entered into a Residential Real Estate Purchaseand Sale Agreement (the "Agreement") to purchase the Property from two homeowners (the"Sellers") with an anticipated closing date of May The Agreement included a, FinancingAddendum specifying that if the Complainant was "unable to obtain financing by Closing after agood faith effort then, on Buyer's notice, this Agreement shall terminate." Additionally, theFinancing Addendum required the earnest money to be returned to the Complainant after thelender confirmed three details in writing: (a) the date the loan application was made, including acopy of the loan estimate provided to the Complainant, (b) that the Complainant possessedsufficient funds to close, and (c) the reasons the Complainant was unable to obtain financing byclosing.On April 29, the Sellers relisted the Property to seek a backup offerOn May 2, theComplainant requested an extension of the closing date until June IThe Sellers declinedOnMay 4, the Complainant sent the Sellers his notice of termination and requested to have theearnest money returnedThe Sellers requested the above-referenced details from theComplainant's lender, which the Complainant provided on May The Complainant then sentan email to the escrow assistant to demand the escrow moneyThe escrow closer spoke to theSellers to discuss the demand, at which point she learned that the Sellers found the lender'sresponse to the third detail inadequate and did not agree to return the earnest money.On May 17, the Complainant's attorney sent a letter to the Sellers explaining the lender'sresponse and requesting they authorize the release of the earnest moneyOn May 24, theattorney spoke with the escrow closer regarding the transactionOn May 31, the attorney sentthe Company a letter demanding the earnest moneyOn June 1, the Company sent the parties aletter informing them that it would commence an interpleader action if it did not receiveconsistent instructions from the parties by June The Complainant submitted this Complainton June to request the Company release the earnest money into his possession.The Company understands that the earnest money was released on June pursuant tothe parties' rescission agreement dated June As such, the subject of the Complaint has beenresolved.The Company has enclosed the rescission agreement and wire confirmation for therelease of the earnest moneyI trust that this letter fully responds to the issues presented in theComplaint.Please contact me at ( 402) 498-or ***@fnf.com should you have anyquestions or concerns regarding this matterPlease reference the above claim number in allcommunications with this oflice.Sincerely,Thomas H***Associate Claims CounselFidelity National Title Insurance Group

Hello I first received this complaint via email on 8/7/and the employee for the issuing title company was on vacation. The policy for this transaction was not issued by Chicago Title but by one of our agents, *** *** *** ** ***. The original policy and deed were mailed
out to the property address in May 2017, however Ms*** never received it. On 8/8/the policy and copy of deed were emailed to Ms*** and a certified copy of the deed was ordered from *** County and mailed out to Ms***. Should you have additional questions do not hesitate to contact me. Shelley W***

Still waiting on any communication No deed to home I put based almost months agoNo communication

I will never do business with Chicago Title Company at the *** *** Location and will never recommend Donna *** They only care about the bottom line and did not do their job in making sure the title was clear to transfer We would have lost our house loanThey were not responsive when we needed help It was clear to us that they did not do their end of the job to make sure all the docs are in order After a long day of pushing and working with the seller to what they needed to close my loan I will never work with Donna *** at Chicago Title Company

Dear Ms***:Please allow this letter to serve as a response on behalf of Chicago Title Company ofWashington ("CTC") and Chicago Title Insurance Company ("CTIC" and collectively, the"Company")The Company has reviewed the information provided by the Complainant in theabove-referenced
Revdex.com Complaint (the "Complaint"), and hereby responds asfollows.Based on the information available, the Company understands the facts to be as follows:On or about March 28, 2016, the Complainant entered into a Residential Real Estate Purchaseand Sale Agreement (the "Agreement") to purchase the Property from two homeowners (the"Sellers") with an anticipated closing date of May The Agreement included a, FinancingAddendum specifying that if the Complainant was "unable to obtain financing by Closing after agood faith effort then, on Buyer's notice, this Agreement shall terminate." Additionally, theFinancing Addendum required the earnest money to be returned to the Complainant after thelender confirmed three details in writing: (a) the date the loan application was made, including acopy of the loan estimate provided to the Complainant, (b) that the Complainant possessedsufficient funds to close, and (c) the reasons the Complainant was unable to obtain financing byclosing.On April 29, the Sellers relisted the Property to seek a backup offerOn May 2, theComplainant requested an extension of the closing date until June IThe Sellers declinedOnMay 4, the Complainant sent the Sellers his notice of termination and requested to have theearnest money returnedThe Sellers requested the above-referenced details from theComplainant's lender, which the Complainant provided on May The Complainant then sentan email to the escrow assistant to demand the escrow moneyThe escrow closer spoke to theSellers to discuss the demand, at which point she learned that the Sellers found the lender'sresponse to the third detail inadequate and did not agree to return the earnest money.On May 17, the Complainant's attorney sent a letter to the Sellers explaining the lender'sresponse and requesting they authorize the release of the earnest moneyOn May 24, theattorney spoke with the escrow closer regarding the transactionOn May 31, the attorney sentthe Company a letter demanding the earnest moneyOn June 1, the Company sent the parties aletter informing them that it would commence an interpleader action if it did not receiveconsistent instructions from the parties by June The Complainant submitted this Complainton June to request the Company release the earnest money into his possession.The Company understands that the earnest money was released on June pursuant tothe parties' rescission agreement dated June As such, the subject of the Complaint has beenresolved.The Company has enclosed the rescission agreement and wire confirmation for therelease of the earnest moneyI trust that this letter fully responds to the issues presented in theComplaint.Please contact me at ( 402) 498-or ***@fnf.com should you have anyquestions or concerns regarding this matterPlease reference the above claim number in allcommunications with this oflice.Sincerely,Thomas H***Associate Claims CounselFidelity National Title Insurance Group

In response to complaint ID# ***Attached is a corrected 1099S form, as requested by the customerWe apologize, for any inconvenience this may have causedPlease let us know, if you have questions or require any more information Thank-you,
Alka Alka *** *** * *** *** *** * *** *** * ***

Revdex.com spoke with the consumer via phone in reference to complaint ID ***The consumer reported she had received the documents last week and this resolution is satisfactory to her

Initial Business Response /* (1000, 5, 2015/05/13) */
The customer was never refused payment reimbursementIt was explained to him that because of the overpayment, the Water Company would not send any funds back to Chicago Title, the funds were refunded to the buyer of the propertyThe
escrow officer was in communication with the buyer as well as the seller that funds would be sent to Chicago Title and then forwarded to himHowever, this process did not happen quick enough for which we do not controlFunds will be sent out by the end of this week
Initial Consumer Rebuttal /* (3000, 7, 2015/05/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't accept this response because it does not convey the numerous attempts I made to clear this matter up with the agentI asked about almost four weeks ago and they could have easily paid me out of their petty cash instead of giving me excuse after excuse as to why they had to wait for the buyer to send them moneyIt was their fault in the first place I never received my correct closing moneyThey never told me not to pay the water billWhy not? Why did no one call me before they sent the money to the water company? I tired to communicate with them prior to closing but no one returned my callThey could have resolved this issue immediately upon learning of their mistake instead of making me wait almost one month for my money
Final Consumer Response /* (2000, 14, 2015/07/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Check received and cashed
Final Business Response /* (1000, 12, 2015/07/28) */
From:***, Shauna (mailto:***@CTT.com)
Sent: Tuesday, July 28, 12:PM
To: Jennifer ***
Cc: ***, Tasha ; ***, Mary ;***, Shauna
Subject: RE: Revdex.com Complaint
Good morning,
In reviewing the file, it appears that we received a demand from the water company approximately one week prior to closingIt is not a procedure to inform the clients about when a bill is due to a utility companyThe Escrow Officer paid the invoice accordingly and the Seller also paid it directly to the water companyUpon finding out what happened, the Escrow Officer contacted the water company to ask for a refund of the excess fundsTheir procedure is apparently a bit different and they would only credit the Buyer's new account with the overpaymentThe Buyer said they would send the money back, which never happenedAlthough there was a delay in the refund process, Chicago Title went ahead and advanced the $to Mr*** on May 15, That check cleared our account on May 26, Therefore, I believe this situation has been resolvedPlease let me know if I can provide any further information
Thanks!

---------- Forwarded message ----------From: W[redacted] Shelley <Shelley.W[redacted]@ctt.com>Date: Thu, Sep 15, 2016 at 12:09 PMSubject: Revdex.com Complaint [redacted]To: "[redacted]@cleveland.Revdex.com.org" <[redacted]@cleveland.Revdex.com.org>Cc: "P[redacted], Andrea" <Andrea.P[redacted]@ctt.com>, "W[redacted] Shelley"...

<Shelley.W[redacted]@ctt.com>HelloThe transaction between [redacted] and [redacted] was originally scheduled to close per the contract on July 25, 2016, however the lender delayed the closing until August because the appraisal was not ready.  All funds and documents were received in escrow  and we transferred on August 11, 2016.  Several business days after closing it was brought to our attention by the mortgage company that there was an additional month's interest due. When the seller, [redacted] was contacted by [redacted] Title, he refused to pay the additional interest.  [redacted] Title has paid the additional $369.70 that was due to pay the mortgage in full.Shelley A. W[redacted]AVP/Residential Sales & Escrow ManagerNorthern Ohio Area[redacted] Title10883 Pearl RoadStrongsville, OH 44136(330) 388-0447 cell (216) 925-4867 direct faxShelley.W[redacted]@ctt.com

We received the request from Mr. [redacted] on December 5th. During that time we had an office move and employees had been out due to illness, which prohibited us to respond promptly. When Mr. [redacted] contacted us on January 4th to inquire about his refund of the final water and sewer hold, we processed...

his refund the same day and immediately notified him that the refund would be processed and put in the mail. He confirmed receipt of funds on January 10th.

As a real estate investor, I will never use Chicago Title for any closings for as long as I live. The extent of my experience with Chicago Title at the [redacted] location in Chicago goes to show how poorly we were treated and how this company will rob you blind the minute you blink.
Luckily for me as a seller in the state of Illinois, I always get to choose where I do my closings and believe me when I say, Chicago Title just lost a customer that could have potentially brought a lot of good business to them.
We had a closing on Wednesday October 19, 2016. We did everything but close. As a seller, I didn't expect to be given so many problems. But that's what I was given. On Monday morning, our attorney notified us that we had to have our trades fill out a "Lien Waiver" form that basically says we don't owe them any money. Simple right? I had my trades fill it out and we happily arrived at settlement 2 days later. We get there and we're told that our property was flagged for being a new house and having only had the construction done within 6 months. First, I don't believe Chicago Title has the slightest clue between the difference of "New Construction" and a "Rehab". If my review could be longer, I would be more than happy to explain the difference between the two because Chicago Title so clearly employ uneducated people who can't tell the difference so they just lump the two together when in doubt.
So we were told that the lien waivers we had our trades fill out was not enough. Digital signatures are not acceptable AND my trades must provide any and all receipts for where they bought their materials for the house they worked on. My husband asked a fantastic question regarding this: "Would you like me to go to [redacted] and ask them where they got their supplies from as well?"
The construction manager down at the loop location in Chicago (Felicia) made sure that we jumped through hoops before they released the funds that was so rightfully ours. Nothing we filled in would satisfy her. It took us two days of running around to all our trades to get signatures and copies of receipts (at least what they could provide) to close and at the end of it, our closer, Dania, charged us an additional $300 to "review the construction lien waivers". We were never notified to be charged this ridiculous fee. We never asked them to do this. They just did it because they realized it was money they can take without anyone saying anything about it.
So Chicago Title, I just want you to know that I will never step foot in any of your poorly ran establishments. Your employees are rude, no one can explain our questions with absolute certainty or without the run around, I hope this review reaches many real estate investors as well. Just because you guys have grown at the size you have, doesn't give you any right to mistreat your clients. We chose YOU to take care of US during closing. NOT give us a difficult time on our most happiest day of settlement and take as much money as you please. We WORK HARD for our money and we earned it. We all don't go out looking to rob people any chance we get. Much like you.
Goodbye forever Chicago Title. I will continue to spread my bad experience to anybody who even brings up your establishment or even thinks about choosing you for a closing. You offer nothing but headaches and fees because your whole business was built on disrespect, shady business, and rudeness.

Our house is not marketable due to errors during the Title investigation. They clearly had a survey in hand and missed all the measurements that do not match the recorded plat with the city.

They were able to determine our property encroached the easement on one side, but missed that our house is encroaching ten feet on the property on the other side. The examiner was definitely sleeping at the wheel. We filed a claim with Chicago Title and they wanted nothing to do with the situation.

We were hoping that they would own up to their mistake and take care of the issue. Do yourself a favor and choose a company that will actually cover you.

Chicago Title made the close of my home much more complicated and inefficient than it needed to be. They insisted on shipping my final loan documents themselves. They decided to ship the loan documents via regular mail even thought I insisted on putting a rush on it so I could close on the actual day agreed to in the contract.

The documents arrived a day late and my house closed 2 days out of contract. I had 3 contractors waiting to start work on the house and had to reschedule over the course of 2 months.

Chicago Title's ineptitude and unwillingness to work with its customers is indicative of how the company operates as a whole. They do not care about their customers and I would NOT recommend them in any fashion.

Stay Away fro Chicago Title!

Initial Business Response /* (1000, 8, 2015/10/30) */
Good morning,
We received your letter in regard to the above reference Case. The Lenar Charitable Housing Foundation was actually disclosed on the Preliminary Report approved by the Buyer during the escrow period. The fee is charged to the...

Seller and unfortunately was missed by our Escrow Officer at closing. We were contacted by the client about the error and we issued a check to pay the fee. The check was mailed to Lenar on October 12, 2015 and the check cleared our account on October 21, 2015. Mr. [redacted] was informed of the resolution as well.
Please let us know if you need any further information. Thank you.