First American Title Company

The consumer complaint identified above sent to the company on August 4, 2015, has been passed tome for review and response.We understand that the consumer is expressing concern as it relates to a Deed-in-Lieu of foreclosure("DIL") transaction in which she agreed to deed back her
interest in certain real property to her lender.In January 2015, the lender opened an order with the company to coordinate the DIL transaction.Pursuant to instructions from our client, we arranged for execution of documents in connection with theDIL transaction in March Following execution, the documents were sent to the lender for it toreview and approve the same for recordingAs a vendor, we must wait for our client to conduct itsinternal review and provide us with direction on when it wants us to record the documentsThecompany cannot unilaterally make the decision to record documents without appropriate authority todo so from its client.In this case, the company did not receive authority to record the documents and in fact, the clientcancelled this file on July 23, As of the date of this letter, there is no open transaction pending asit relates to the consumer's real property.The company acknowledges that our employee received a message from this consumer inquiring as tothe status of this matterUpon receipt of this inquiry the company immediately advised the lender andrequested that someone from the lender respond to the consumerWe have advised our employeethat in the future, she should respond back to the consumer to advise him/her that she has taken thisactionWe apologize to the consumer for any inconvenience she experienced.We have since tried to contact the consumer to explain that we no longer have an open transaction forher and that she should contact her lender to obtain an update on the status of her DIL transactionWehave not yet received a returned call from the consumerUnfortunately, we do not know why thelender cancelled the transaction and therefore are unable to provide any further information to theconsumer.Sincerely,*** ***VP, Senior Operations Counsel

From: *** *** ** *** Sent: Monday, February **, 5:PM
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To: drteamSubject: Revdex.com Case# ; ***
The complainant was the Seller in a transaction that First
American was requested to closeThe closing was initially scheduled with the
First American *** office on January **, 2014; however, due to the inclement
weather/safety issues that day, the *** office was not going to be openTo
accommodate the Seller, First American offered for the Seller to close at
another location and the Seller declinedThe Seller was then scheduled for
closing the very next day, January **, 2014, at the *** office since the
Seller insisted on closing at that particular officeThe Seller went to the
*** office to close the transaction on January *** It is the industry
standard operating procedure to not authorize the release of the funds until
original documents were received by the closing officeThe *** was received
on January **, and the transaction funded at 8:15am that same dayThe
funding of the transaction was pushed back to the day after the Seller
anticipated receiving the fundsThe parties’ real estate agents were informed
of the weather delay and were already aware of the industry processes and the
Seller’s real estate agent was informed of the timing on the funding
Unfortunately, since the proper, standard, protocol was followed, there is no
precedent to pay *** *** the one day’s interest she alleges she is owed
Please feel free to contact me if you have any additional questions or
comments
__________________________________________________*** ** ***Underwriting CounselFirst American Title Insurance Company

The consumer complaint identified above sent to the company on August 4, 2015, has been passed tome for review and response.We understand that the consumer is expressing concern as it relates to a Deed-in-Lieu of foreclosure("DIL") transaction in which she agreed to deed back her interest in certain
real property to her lender.In January 2015, the lender opened an order with the company to coordinate the DIL transaction.Pursuant to instructions from our client, we arranged for execution of documents in connection with theDIL transaction in March Following execution, the documents were sent to the lender for it toreview and approve the same for recordingAs a vendor, we must wait for our client to conduct itsinternal review and provide us with direction on when it wants us to record the documentsThecompany cannot unilaterally make the decision to record documents without appropriate authority todo so from its client.In this case, the company did not receive authority to record the documents and in fact, the clientcancelled this file on July 23, As of the date of this letter, there is no open transaction pending asit relates to the consumer's real property.The company acknowledges that our employee received a message from this consumer inquiring as tothe status of this matterUpon receipt of this inquiry the company immediately advised the lender andrequested that someone from the lender respond to the consumerWe have advised our employeethat in the future, she should respond back to the consumer to advise him/her that she has taken thisactionWe apologize to the consumer for any inconvenience she experienced.We have since tried to contact the consumer to explain that we no longer have an open transaction forher and that she should contact her lender to obtain an update on the status of her DIL transactionWehave not yet received a returned call from the consumerUnfortunately, we do not know why thelender cancelled the transaction and therefore are unable to provide any further information to theconsumer.Sincerely,*** ***VP, Senior Operations Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint...

resolved.
Regards,
[redacted]

I paid for property taxes with the closing costs. I later received a past due notice on our property taxes--which we had paid for in escrow. I paid the county property taxes and a late penalty. The title company had received a refund form the county and failed to notify us OR RETURN the money to us until I called several months later. They gave no apologies and finally did refund the taxes. Had I not contacted them they would have just kept the money.Desired SettlementApology. Better business practices. Business Response As a title and escrow company we are unable to keep any funds that have not been deposited into escrow as part of a transaction or taken into fees for the title and escrow services as part of a real estate transaction. On occasion, funds are returned to the escrow company after the close of a real estate transaction. Those funds are identified and deposited back into the escrow file and disbursed to the appropriate party. Upon investigation there was evidence that the check delayed in being deposited into the appropriate file while it was being identified. In that time we received a phone call from Mrs. [redacted] regarding the funds and promptly returned them to her. As such we have identified the delay and addressed it with the northern Nevada staff to ensure that returned funds are promptly identified and disbursed.

Review: An escrow company is the replacement of attorneys handling the legal processes of real property. They are a disinterested party that makes sure everything is done correctly for each person or company interested in the property. Therefore when you pay off a second they make sure the lien releases are filed in a timely manner so every one is protected. We had a hero solar loan on our property which they did not get the lien releases signed and filed at the time of the payoff. So because of this we are having to make payments that are not due to the county tax people and the new lender that aren't owed because this loan was payed off. In all the years we have bought and sold houses this was never left to the lien holder this is a responsibility of escrow. This is very poor representation of an escrow company to an individual paying off a second in escrow. When we received our settlement statement it didn't even say the money was taken out to pay off a secondary lien. I think this was very irresponsible of the escrow officers at this escrow company. They were not interested in making sure everything was handled correctly for this lien. They should have been representing us to make sure these lien releases were taken care of in escrow or not release the funds. That is how its always been handled when a second is paid off in escrow. When I call they don't know when it will be handled maybe a month later. This escrow funded October 30 2014. This is November 16, 20214 over two weeks and the Hero people do not know if the lien releases are even filed yet. We think this is very poor business practices for an escrow company that were supposed to be looking out for our interests. We were their client and paid the escrow fees. I was told if I didn't get signed copies in to them immediately on something they forgot to include that our loan would be recalled. Isn't that threatening somebody. Is all this ethical business pratices?Desired Settlement: We would like our lien releases filed immediately and our corrected tax bill in our hands. If it had been done correctly this would have been the results by now.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: I completed a closing for a deed in lieu of foreclosure on March 10, 2015 for the property located at [redacted] The closing was processed by Mr. [redacted] of PC Law Associates, Pittsburgh, PA. I was advised at that [redacted]e that the property is transferred back to the bank (Bank of America Loan. I am no longer responsible for the property. However, I have continued to receive bills and notices regarding the property. I checked back with Mr. [redacted] and was advised that he would investigate and get back to me. He has not. On July 7th, I was able to speak with a Mr. [redacted] at PC Law. He advised that I need to contact the title company to investigate further: First American Mortgage Services File Reference #[redacted]. On July 9th I contacted a Customer Service Rep at First Mortgage [redacted] in the Default Department). [redacted] advised that a Ms. [redacted] because she is the one responsible for the follow through. I have called Ms. [redacted] several times and left a voice message giving her my contact information. I have not received a return call from her to date. At this point, I do not know what else to do. The property continues to incur debt and I am unjustly being held responsible.Desired Settlement: I would like the closing documents to be submitted to the Recorder of Deeds in New Castle County for the property at [redacted] showing the effective date of March 10, 2015 which is the date the closing was completed with [redacted] to show that the property was transferred back to [redacted] and I am no longer responsible effective 3/10/2015.

Business

Response:

The consumer complaint identified above sent to the company on August 4, 2015, has been passed tome for review and response.We understand that the consumer is expressing concern as it relates to a Deed-in-Lieu of foreclosure("DIL") transaction in which she agreed to deed back her interest in certain real property to her lender.In January 2015, the lender opened an order with the company to coordinate the DIL transaction.Pursuant to instructions from our client, we arranged for execution of documents in connection with theDIL transaction in March 2015. Following execution, the documents were sent to the lender for it toreview and approve the same for recording. As a vendor, we must wait for our client to conduct itsinternal review and provide us with direction on when it wants us to record the documents. Thecompany cannot unilaterally make the decision to record documents without appropriate authority todo so from its client.In this case, the company did not receive authority to record the documents and in fact, the clientcancelled this file on July 23, 2015. As of the date of this letter, there is no open transaction pending asit relates to the consumer's real property.The company acknowledges that our employee received a message from this consumer inquiring as tothe status of this matter. Upon receipt of this inquiry the company immediately advised the lender andrequested that someone from the lender respond to the consumer. We have advised our employeethat in the future, she should respond back to the consumer to advise him/her that she has taken thisaction. We apologize to the consumer for any inconvenience she experienced.We have since tried to contact the consumer to explain that we no longer have an open transaction forher and that she should contact her lender to obtain an update on the status of her DIL transaction. Wehave not yet received a returned call from the consumer. Unfortunately, we do not know why thelender cancelled the transaction and therefore are unable to provide any further information to theconsumer.Sincerely,[redacted]VP, Senior Operations Counsel

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,