First American Title Insurance Company

Kimberleigh V [redacted] at First American Title Company in Puyallup, WA, knowingly and willingly withheld information regarding the nature of documents she had me signShe did this at the request of my then husband, [redacted] ***, who is a friend of hers [redacted] *** told me that he needed me to sign documents to have my name put on the title of our house because we were married at the timeThe documents were actually a quit claim deed that I had no knowledge ofMsV [redacted] did not share with me the nature of the document, nor did she provide me with a copy of the documents that I signedShe then accepted a paid event from my then husband as a gift for her assistanceMsV [redacted] then lied to the compliance analyst with the Office of Insurance CommissionerShe falsely accused me of instructing her to prepare the documents and also stated that I acknowledged that I knew what the document wasI had never met MsV [redacted] prior to [redacted] *** having me meet her to sign the document, and

I purchased pieces of property A & B, obtained title insurance with First American Title CompanyWe were uncertain as to where to put our driveway so we contacted a surveyor Jim M [redacted] of Ramco Mainland to assist only to learn there was a piece of our property (A) that was not vacatedWhen I learned of this I opened a claim with First American to get it corrected and they agreed to pay to survey both parcels A & BAfter a year working with the County of Spokane the vacated piece/issue is resolved on parcel ABUT the surveyor found a problem with parcel B, I filed a complaint with the Title company of this problem with parcel BIn the title insurance policy drawings of the properties A & B property lines were providedIt does not indicate to me there is a triangle piece x out of the NE Corner of my property that the surveyor informed me is not owned by me it's the neighbor across the highwayThe adjustor that handled property A turned the case over to MrG***

I was referred to Bass Plumbing via my home warranty company, HMSI called Bass Plumbing to schedule an appointment and left a voicemailIt took a couple of days for someone to return my callWhen they did, I was happy that they could send someone out the following dayI was told that someone would be at my house between 11am and 2pm, and that I'd receive a call at some point during that time letting me know when the person would be making their way over to my houseI took the day off from work for this appointmentNot only did someone NOT show up, I never received a phone callAround 2:30pm, I followed up and called the company to inquire if someone would still be coming out that dayAgain, no one answered the phone and I left a voicemail, but no one has since followed up with meThis is awful to experience something like thisIt's bad enough when things aren't working properly in your home, but the added inconvenience of no one showing up makes it that much worse

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meSincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below No one from the business has contacted meI even talked with a [redacted] manager about three weeks ago who said they'd want to make it right and take care of what's their responsibilityI emailed the tax document to the manager, to share it with the title companySo far I have not received any responseThe business letter to the Revdex.com states that they'll send us a check, but we have not received any communication or check from themThey also need to send me a letter of apology for having been rude to me and hanging up when I called to inquire about the misinformation they had offeredIf they strongly believe that the first year tax should only apply to the land and not the property, as they had told us at the closing, they should contact the assessor's office to fix the error and ensure we only pay taxes for the land Regards, [redacted] ***

My issue with First American Title Company has been resolved by way of a monetary agreement via emailThanks [redacted] ***Sent from my Verizon 4G LTE Smartphone

This letter is in response to the complaint submitted on September 5, by Mr [redacted] (" [redacted] ")Mr [redacted] 's complaint coincides with a title insurance claim hesubmitted to First American Title Insurance Company on August 10, and supplemented onAugust 13, First American sent written acknowledgment of Mr [redacted] 's claim onAugust 15, informing him of receipt of the claim and to allow 30-days to review and reply.On September 11, 2017, First American transmitted its coverage determination letter including aproposed course for resolution to Mr [redacted] The general background of the claim isdescribed below.BackgroundMr [redacted] 's claim and complaint to the AG is that a 36-year old deed of trust remainsan encumbrance of record against property he owns in Mason County, WASaid deed of trust isdated and recorded December 31, It ostensibly secures repayment of the amount of $2,050.00.The beneficiaries of the deed of trust are [redacted] and [redacted] , both of whomare deceasedTo date there has been no demand for payment or attempted enforcement of the 1981deed of trustThe risk of loss attendant to the 36-year old deed of trust is de minimisFirst Americanhas accepted the claim and offered a monetary settlement or to undertake curative action to removethe deed of trustfurther details of First American's coverage position are stated in the attachedletter of September 11, addressed to Mr [redacted] This is an open active claim with anongoing review and investigation.I trust this letter and the attachments are a satisfactory responseShould you requireadditional information or have any questions or comments please do not hesitate to contact me.Sincerely,Daryl WL***Enclosures: [redacted] letter and attachments (Sept11, 2017)Attachments to [redacted] Letter***Please see attached***

[redacted] , the office manager, informed me that I had left too long a voicemail msg and also that I was NOT her customer(despite a $service charge)...only the 1st American Warrenty Co was their customerShe also denied that they had received an email from 1st American, only to minutes later find the emailI was told she had messages, workers quit, and she didn't have time to help The service tech also showed up on the wrong day If your Warrenty company suggests Bass Plumbing, I would seriously consider requesting an alternate option

December 28, Subject:? ? Response to Revdex.com regarding Escrow Number [redacted] To Revdex.com First, we would like to formally apologize for anything that may have transpired in this closing that caused [redacted] ? undo stress and frustration during the closing of? her transaction? ? We will immediately refund to her the escrow fee requested which is in addition to her HOA dues that we have also paid.? It is never our intent to make the client feel that they are not being taken care of.? ? Closing transactions can be upsetting and the process should have been explained more carefully to her.? This file was a quick close which sometimes causes challenges such as these.? As far as the taxes, the lender withheld months of taxes to pay when they became due on October 30th.? The borrower should not have to pay interest or penalties Again, I apologize for any issues that arose and were not explained during the course of this closing.? I wish I had known about his when this was occurring so I could have helped her understand the process and made her feel confident that we would take care of anything that was not correct at that time.? We will be sending her refund out immediately Thank you We will immediately be refunding the escrow fee of $to her and sending to her with our apology.?

I live in Wilmington and when my water decided to quite working Bass Plumbing, Riley, came to the rescueRiley was a very professional workman who kept me informed and did an excellent jobEven though this company is in Fayetteville, they do work in WilmingtonAmerican Home Shield put me in touch with Bass and I am glad they didYES I WOULD RECOMMEND THEM

Dear Sirs:First American Title Insurance Company ("Company") has just received a copy of theComplaint filed on or about November 2, by Ms [redacted] with the Revdex.com("Revdex.com")The Company has no record of previously receiving this complaint formHaving justreceived the form, this letter shall serve as the Company's written response to the complaint.The Company has previously responded to each of the items described in the Complaintby prior correspondence, including a response generated as a result of a complaint filed by Ms[redacted] with the Department of InsuranceFor your ease of reference, I attach copies of theprior correspondence for your review.Ms [redacted] 's complaint arises from her receipt of a Litigation Guarantee issued by theCompanyMs [redacted] 's position and her complaint are based in part on a complete andfundamental misunderstanding of the purposes of a Litigation Guarantee ("Guarantee")As Ms[redacted] has been repeatedly advised, the purpose of a litigation guarantee is clearly expressedon the face of the documentThe Guarantee provides: "This Litigation Guarantee is furnishedsolely for the purpose of facilitating the filing of the action referred to in Scheduled AIt shallnot be used or relied upon for any other purpose." (Emphasis added.) The action described inthis Guarantee was for Enforcement of Judgments/Judicial Foreclosure.This product does not guarantee that her judgment is a valid lien on the property nor doesit guarantee her ability to collect the judgment by foreclosing on the propertyThe information inthe Guarantee is entirely accurate for the express purpose of the Guarantee, which was only todescribe those parties who must be sued in the type of lawsuit described in the Guarantee.As Ms [redacted] has been advised, a Guarantee is a title policy and is covered by theprovisions ofthe Insurance Code sections and These products are notrepresentations of title but are contracts of indemnity defined by their terms and provisionsThere is no policy liability for alleged incorrect information because the product is not arepresentation as to titleThis Guarantee fulfills its intended purpose by accurately describing theparties needed for the suit in order for the enforcement of her judgment to be effective.As to Ms [redacted] 's complaint about her attempt to subpoena Company employees totestify at trial, I have advised her on several occasions that the Company has no evidence ofreceiving service of a proper trial subpoena and the appropriate tender of witness feesTheCompany understands that Ms [redacted] was intending to use the testimony of the companyemployees to establish her case as to title to the property being held by the judgment debtor.Company employees are not qualified to provide such testimony nor is such testimonyappropriate for determining title to real property in a judicial proceeding.Included with my letter of October 8, to Ms [redacted] was a full refund of thepremium she paid for the GuaranteeThe Company believes that Ms [redacted] 's litigation toenforce a judgment against property not owned by the judgment debtor is not an actionbenefitted by the coverage of a GuaranteeNo legitimate foreclosure action could have beencommenced under the then existing circumstances, so no Guarantee should have been issued inthose circumstancesHowever, because the Guarantee was effective as to the action actuallybrought by Ms [redacted] there is no covered loss as a result of the coverages provided.The Company made no guarantees or warranties to Ms [redacted] regarding her ability tocollect her judgment nor did the Company provide information upon which she was entitled torelyThe Company did not guarantee or warrant the success of her efforts to collect a civiljudgment.If any further information or materials are required, please adviseI can be reacheddirectly at: [redacted] Thank you for your consideration in this matter.Very truly yours, [redacted]

Several years agorchased a piece of property in Paand after a few more years of saving, began to build our modest log retirement home We also purchased a Title Insurance Policy from First American for the purchase price of the property since the closing attorney recommended itWell into the construction project, we were notified that the land we were building on belonged to an adjoining property owner, despite the fact that the deed had been searched and cleared by First American Title prior to our purchase and that I held a Registered Survey in the county where I was buildingConstruction screeched to a halt, my contractor moved on and the long, long drawn out process of dealing with an insurance company began It has been almost 1/years that the attorneys have been focused on their "billable hours" instead of resolving what could have been a simple claim Our construction site sits overgrown and deserted while First American Title Insprocrastinates and treats us like a policy number We cannot even borrow against the property now since it is in litigationIn reviewing our [$plus premium] policy, I found that their wording (legaleze) had stripped away any/all of our rights to challenge the company, work within time frames and determine what the resolution to our claim would be They had given themselves complete and total control over if, when, and how the claim would be settled

Initial Business Response / [redacted] (1000, 5, 2015/12/10) */ Re: Case No [redacted] To whom it may concern: Mr [redacted] 's complaint involves two issues: (a)The handling of the roof repair escrow, and (b)certain events that occurred at or near the time of closingI will address each matter separately Regarding the Roof Repair Escrow A quick review of the escrow process is in order before dealing with the specifics of Mr [redacted] 's complaintSimply stated, a title company will collect funds from the buyer and/or seller in order to set aside monies to pay for the resolution of a matter that would otherwise either cancel or delay a closingSuch monies are put aside in escrow by the title company to be used for no other purposeWithout such an escrow, an exception for the matter would appear on the policy(ies) issued after closing In this case, $8,was escrowed to fund the repair of the roof$8,was funded by Mr [redacted] , and $was funded by the sellerSince the escrow was collected at closing, there were no exceptions on either the lender or the owner title insurance policy for mechanics' liens based upon the roofing contractor not being paid in full for work doneIn order to be certain that the roofing contractor would be paid in full for all work being performed, it is essential that the transaction "remain in balance"In other words, at any point in time the escrowed funds must be in an amount at least equal to the amount remaining to be paid to the contractorThis is a requirement of all title companies, and it is not unique to First American As Mr [redacted] stated in his complaint, he elected to have additional work performed which was not included in the original estimate provided by the roofing contractorThis, in turn, resulted in the transaction being out of balance; the total costs exceeded the amount of escrowed funds by $2,As a result of this, the First American closers assigned to the file had to ensure that the additional $2,would be available to pay for the additional work not covered by the escrowThe resolution would be for either Mr [redacted] to deliver the $2,to First American who would then forward the $2,and the remaining escrow funds to the contractor to pay the contractor in fullIn the alternative, Mr [redacted] could pay the $2,directly to the contractor who would then notify First American when the $2,was received; at that point First American would release the remaining escrow funds to the contractor to pay the contractor in fullIn either event, the contractor would be in a position to provide First American with a full Mechanics' Lien Waiver for all work performed, thereby assuring that title to the property would not be burdened by a mechanics' lien for unpaid roofing work It appears that Mr [redacted] 's frustration is based upon his not fully understanding the necessity of the steps that First American had to take to assure good title to the property On Thursday, December 3, the matter was compromised by First American releasing the remaining escrowed funds to the contractor on the understanding that Mr [redacted] would subsequently pay the additional $2,to the contractorIn a follow up telephone conversation with Mr [redacted] on Tuesday, December 8, he stated that he had forwarded the additional $2,to the contractor and that he was satisfied with the resolution of the matter Regarding Events at Closing The closing occurred in January of For understandable reasons the closer's memory of the events surrounding the closing is quite vague Regarding the deed, she does recall that the notary public inadvertently used a recently expired notary stampBy way of explanation, this was a common problem in January and February since new notary public appointments were issued by the State of Minnesota in January A corrected deed using the current notary stamp was obtained the next day from the seller Concerning the other aspects of Mr [redacted] 's complaint, the file shows that the closer did not receive the lender's closing instructions until January 21, which was the date of closingUnfortunately this last minute delivery of closing instructions and documents from the lender is all too commonIt is therefore possible that Mr [redacted] 's complaint is based upon the limited time he had to review and discuss the closing documents as prepared in accordance with the lender's closing instructions Conclusion Hopefully this correspondence addresses your concernsThe issues surrounding the release of the roof repair escrow were Mr [redacted] 's primary complaintAs discussed above the escrow release matter has been resolved to Mr [redacted] 's satisfaction Sincerely, David [redacted]

I purchased pieces of property A & B, obtained title insurance with First American Title CompanyWe were uncertain as to where to put our driveway so we contacted a surveyor Jim M*** of Ramco Mainland to assist only to learn there was a piece of our property (A) that was not vacatedWhen I learned of this I opened a claim with First American to get it corrected and they agreed to pay to survey both parcels A & BAfter a year working with the County of Spokane the vacated piece/issue is resolved on parcel ABUT the surveyor found a problem with parcel B, I filed a complaint with the Title company of this problem with parcel BIn the title insurance policy drawings of the properties A & B property lines were providedIt does not indicate to me there is a triangle piece x out of the NE Corner of my property that the surveyor informed me is not owned by me it's the neighbor across the highwayThe adjustor that handled property A turned the case over to MrG***

we sold our home in September at the end of the month on the 29thWe were told by First American Title that the money to pay off the house upon closing would be sent to our mortgage company, by wire transfer, way before 2pm that day so that they would get it and our payment would not be lateWe sold our house and was doing great with mortgage company to redeem ourselves with our creditWe were going on 10-months of good payment history(which is why we decided to sell our house)Not realizing that payment did not make it in time, the payment was sent from American Title at 449pm which in turn *** mortgage did not receive this payment until 10/which made us days late for our paymentThis ruined our retry at getting our credit back to againI called American Title and their response was nothing they could do about itI called *** and they stated that it would be on the title company as well due to they had the control to send it over early enoughAll the pa

Kimberleigh V*** at First American Title Company in Puyallup, WA, knowingly and willingly withheld information regarding the nature of documents she had me signShe did this at the request of my then husband, *** ***, who is a friend of hers*** *** told me that he needed me to sign documents to have my name put on the title of our house because we were married at the timeThe documents were actually a quit claim deed that I had no knowledge ofMsV*** did not share with me the nature of the document, nor did she provide me with a copy of the documents that I signedShe then accepted a paid event from my then husband as a gift for her assistanceMsV*** then lied to the compliance analyst with the Office of Insurance CommissionerShe falsely accused me of instructing her to prepare the documents and also stated that I acknowledged that I knew what the document wasI had never met MsV*** prior to *** *** having me meet her to sign the document, and

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

Really happy with our fence, looks fantastic The guys accomplished a lot in just one day, I highly recommend this company

Complaint: ***
I am rejecting this response because:I could care less whether or not this person closes his case or notHis opinion on the matter means about as much as a random stranger‘s opinion wouldI wanted this documented with the Revdex.com and it will beI’m pursuing this further elsewhere, seeing as First American Title clearly has no sense of what is ethical and what is notI believe that others should be made aware of the kind of unethical business they run there.
Sincerely,
*** ***

Here's the string of emails that show our agreement to settle this dispute for $from FATC. Thanks *** ***
12.8000001907349px">Sent from my Verizon 4G LTE Smartphone
From: *** *** Sent: Friday, September 04, 2:PMTo* *** ***Subject: RE: FATIC *** ***
I will accept the offer of $1500.You can mail it to *** ***
*** *** **
*** ** ***
*** ***
Sent from my Verizon 4G LTE Smartphone
---- *** *** *** ----
As stated below, First American is willing to settle this matter for no more than $1,