First American Title Insurance Company

Complaint: ***
I am rejecting this response because:I signed the quit claim deed documents just as they stated and never denied doing soI do deny knowing what I was signing thoughMy husband at the time told me it was a document to add my name to the title of the house because we were married at the time***, my former husband, told me to meet with her specifically, because she knew what needed to be signedHe told me it had to be done by a certain date, so I went in on my lunch breakShe was late for our appointed meetingShe rushed in and barely said anything to me as she put papers in front of me to signShe never explained anything to me and never gave me a copy of anything I signedShe’s lied about the details of what happened and so has this MrS***Furthermore, the state insurance commissioner closed my complaint because they both lied to them as well.
Sincerely,
*** ***

Bass just put a new hot water heater in my condo and did a great job Eddie the tech that came out was just greatMindy the lady in the office is so very nice I will call them for all of my plumbing needs

Thank you for your reply to our response. First of all, allow me to apologize to you. I see that in my response to the complaint, I did not include an apology. You are correct that you definitely deserve an apology for the way you were treated by the escrow officer. I hope that you can accept my sincerest apology as this is not how we want our clients to be treated at First American.With regard to your question regarding the check, I did mail a check to you last week, which you should be receiving. I included a handwritten note and it was sent to your property address. Again, this check is being given to you as evidence of our sincerest regret regarding the way you were treated. I am glad that you reached out to ** *** so that they can assist you. This is a matter that they should be involved in. First American was only following the instructions that were given to us by you and the builder per the contract that you executed.Again my sincerest apologies to you. If I can assist you in your discussions with *** ***, please let me know. My direct number is ***-***-***Sincerely,FIRST AMERICAN TITLE INSURANCE COMPANY*** ***Vice-President Arizona Division(***) ***-***

Subject: *** *** Revdex.com #***Attached to this email is First American Title’s response to *** *** complaint to the Revdex.com, #*** I have included instructions that were signed by *** *** which contradict her claim that she did not understand or know what she was
signing ____________________________________Matthew BS***SrOperations CounselFirst American Title Insurance Company December 11, 2017RE: Revdex.com ID #*** ***I have received a copy of the letter from the Revdex.com regarding the complaint from *** *** ***For your information, *** *** filed a previous complaint alleging the same material facts with the Washington Office of the Insurance Commissioner, which complaint was closed*** *** again asserts her claim that information regarding the nature of a quit claim deed she signed was not disclosed or was withheld.*** *** signed instructions directing First American to prepare the quitclaim deed which contained the acknowledgement that the deed “is to be prepared for conveyance of all right, title and interest...” to the propertyAdditionally, there is an explanation within these instructions stating that “[i]t is understood that Grantor *** *** and the Grantee are husband and wife and it is the intention of the Grantor herein to divest himself/herself of all right, title and interest of whatsoever nature, in and to the property....” For your reference, I am including with this letter a copy of the escrow instructions that were signed and agreed to by *** ***.The very nature of the quit claim deed that *** *** was signing was contained within the escrow instructions that she signedAs *** *** signed the escrow instructions that contained a clear acknowledgement and explanation of the quit claim deed, First American respectfully disagrees with *** *** claim that she didn’t know what she was signing*** *** signature on the escrow instructions refutes and negates her claim that she didn’t know what she was signing as the escrow instructions contained a clear explanation of the purpose of the quit claim deed.As *** *** was provided an explanation and executed instructions to First American to prepare the quit claim deed, First American does not intend to take any further action in response to her complaint.Sincerely,Matthew ** S***

Dear *** ***:Thank you for your letter dated September 30th regarding complaint Id ***Thecomplaint was seeking action regarding a Holdback Agreement between the buyer and seller.Mr*** was not a party to the transaction and therefore our communication with him hasbeen limited
due to privacy law protectionsHowever, I can confirm that the terms of thehold back agreement were met by both parties on 9/and the funds were subsequentlydisbursed according to the terms of the agreement on 9//2015.Please let me know if I can be of any further service
Sincerely,
Michelle A***
First American TitleEscrow Manager-Sumner

Dear ***,Thank you for your letter to First American Title informing us of *** ***’s concernsWithin his complaint to the Revdex.com, Mr*** stated that funds were not submitted to his lender when the transaction closed on Friday, September but were submitted late the following Monday,
October 2, which, according to Mr***, caused his payment to be days late.I have reviewed the file and found that a wire to payoff his lender was sent on September This wire, however, was rejected by his lenderAt the time the wire was rejected, a new wire could not have been sent in order to meet the wire cutoff time so the payoff wire was submitted for payment on October 2, the following Monday.It is important to note that according to the payoff provided by the lender, Mr***’s payment was already late as of September The payoff provided by First American was not a payment to be made on Mr***’s behalf to ensure that his payments were made timelyInstead, the payoff is done to pay the loan in full in order to obtain a release of the lender’s mortgage on the propertyMr***’s concerns regarding his payment history is based on his own payments to the lender, which payment had not been made in SeptemberFirst American does not agree with Mr***’s notion that it is responsible for Mr***’s late paymentsFirst American believes it did what was required and submitted the payoff wire to the lender on timeOnce First American was informed that the wire was rejected, First American immediately submitted the payoff wireMr***’s payment was already late and he should not now blame First American for the consequences of his late payment.First American hopes that this letter provides the information necessary to resolve Mr***’s concerns.Respectfully submitted,Matthew *S***

The plumbers were kind, friendly, courteous and finished the job in a good time frameThey cleaned up behind themselves and I wad very happy with the serviceI would use them again if needed

This company is the prime representative for 2-Ten Home Warranty for the Pinehurst area
1) First time I had service was good Easy to get an appointment and the plummer was on time and courteous
2) Second time I had a scheduled appointment (hr window) two days later and THEY DID NOT SHOW I received NO courtesy call I called the office admin on occasions and despite my efforts I never received a return phone call from the manager to verify what occurred, tried to reschedule, and was frank I wasn't sure they wanted the business Unacceptable service!!!

I purchased title insurance from them in and when I just recently tried to sell the property I find their was a lien against the property from that they did not find when I purchased title insurance from them now they are refusing to honor the policy this seems pretty straight forward to me

Thank you for your inquiry My apologies for the delay This file was closed in one of our offices in Tucson, which is no longer under the First American direct operation so it took some time to investigate what had transpired.The contract between *** *** and Mr& Mrs***
states on Page at Paragraph 13, (attached as *** Contract) that at closing the current year's taxes shall be prorated to the closing date on the basis of the latest available tax statement At the time of the closing, the latest available tax statement was the tax statement, (attached as *** Taxes) The prorated credit that the *** received was based on the tax bill This proration was due from the seller, *** ***, not from First American We did follow the instructions provided in the contract for how the taxes would be prorated, so this proration is in fact correct.That said, it appears that our team fell down on the service side in their communication with you both at closing and post-closing when you contacted them As a gesture of good will, First American will offer to pay Mr& Mrs*** the sum of $819.02, which would be difference between the credit they received at closing and the amount they would have received as a credit at closing if we had the tax statement, which we did not The taxes total $2,699.40, which equals $$per day multiplied by days, from January 1, to closing, May 2, = $906.29, less the credit they received in the amount of $87.27, totals $ The balance of the taxes due are the responsibility of Mr& Mrs*** since they have owned the property since May 2, I will make arrangements for a check in the amount of $to be mailed to Mr& Mrs*** at their property address I hope that they find this solution satisfactory They are also welcome to contact *** *** to inquire as to the tax prorations Please let me know if you have any questions whatsoever I can be reached at my office at (***) ***-***.*** ***Vice-President, Operations Manager

This letter is in response to the complaint submitted on September 5, by Mr*** ("***")Mr***'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***'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***The general background of the claim isdescribed below.BackgroundMr***'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 *** ** *** and *** ** ***, 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***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:*** letter and attachments (Sept11, 2017)Attachments to *** Letter***Please see attached***

December 28,
Subject:? ? Response to Revdex.com regarding Escrow Number ***
To Revdex.com
First, we would like to formally apologize for anything that may have transpired in this closing that caused *** ***? 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.?

December 18, 2017RE: Revdex.com ID #*** ***Your email dated December asking that First American Title provide a response to *** ***? rebuttal has been forwarded to meI have to respectfully take issue and disagree with *** ***? claim that the escrow officer and I liedWithin the prior responses, I referred to the documents that *** ***? signedThe documents signed by *** *** speak for themselves and I referred to these documentsThe document was provided to *** *** and she signed it, which document, on its very own terms, provided an explanation of the quitclaim deed she was signing.I am closing my file on this matter and do not intend to take any additional action in response to *** ***? complaint.Sincerely,? Matthew *S***

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 me. Sincerely, [redacted]

December 28, 2015
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 7 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 $897.90 to her and sending to her with our apology.

Here's the string of emails that show our agreement to settle this dispute for $1500 from FATC. Thanks [redacted]Sent from my Verizon 4G LTE Smartphone From: [redacted] Sent: Friday, September 04, 2015 2:41 PMTo* [redacted]...

[redacted]Subject: RE: FATIC [redacted] I will accept the offer of $1500.You can mail it to [redacted] 
[redacted] 
[redacted] 
[redacted]
Sent from my Verizon 4G LTE Smartphone---- [redacted] ----As stated below, First American is willing to settle this matter for no more than $1,500.00.

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

The service was great. I would use services again.

Dear [redacted]:Thank you for your letter dated September 30th regarding complaint Id [redacted]. Thecomplaint was seeking action regarding a Holdback Agreement between the buyer and seller.Mr. [redacted] was not a party to the transaction and therefore our communication with him hasbeen limited...

due to privacy law protections. However, I can confirm that the terms of thehold back agreement were met by both parties on 9/21 12015 and the funds were subsequentlydisbursed according to the terms of the agreement on 9/21 /2015.Please let me know if I can be of any further service.
Sincerely,
Michelle A[redacted]
First American TitleEscrow Manager-Sumner

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