Ohio Real Title Agency, LLC

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 Ohio Real Title continues to decide for me that it isn't important to me that they do their job accurately or provide me with accurate documentation The incorrect document may very well have no adverse impact on me in the future; time will tell I have said previously I'm not going to expend any effort sending documents back and forth regarding what should have been done correctly from the onset You can consider the matter closed, unsatisfactorily Businesses and their leaders simply aren't accountable these days At least I have these series of communications, should I encounter issues in the future Regards, [redacted] ***

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

My operations manager Dean just talked through this with me this morning This amount should have been paid by the seller at closing and we did not collect it We are going to reimburse [redacted] this full amount Dean needed a day to research and see the particulars from the closing I do understand our buyer [redacted] 's urgency though and hope this response takes care of any concern she has

I am sorry Mr [redacted] is still upset but all closed properly I emailed him directly, which is attached, the day this complaint was received and I have not had a response I am available via email or cell after hours and on weekends My cell is 216-978-and am happy to answer any concerns Mr [redacted] has.As explained in my earlier response, the deed was recorded at the County The Auditor stamps it as does the Recorder and it is part of the public record The deed and tax printout that were provided previously showed the deed as recorded and Mayfield Heights as his tax mailing address There is not any issue The original deed Mr [redacted] has is not important any longer because it's already part of the public record and the original is not needed again If Mr [redacted] would like the deed re-recorded and we line through Maple Heights and write in Mayfield Heights and record it we are happy to do so It is not necessary to do this though as the County has the proper information as I have explained and provided the copies showing the correct information There is not anything wrong that needs corrected All closed properly If Mr [redacted] wants his deed re-recorded he needs to mail it to me If not there is not anything that I can do for him, which is ok though as there isn't anything wrong from his closing

There isn't any solution here as the loan closed as it should and the survey was done properly I believe at this point Mr [redacted] has the check we sent him and the overage from his insurance company that he wanted There was no issue with the survey as the lender's parcel had an issue It was up to the lender if they were ok to move forward with the construction loan I understand this complaint will be on record with our Revdex.com profile but there isn't anything I can do about this All closed just as it should

I just spoke with Mr. [redacted] . At closing the attached tax bill did not have any water or sewer amounts certified to the tax bill. The prior owner water and sewer was not assessed to the property as an actual lien so it was not a title related issue. The seller pays final utility... bills after closing per the purchase agreement. As the title company we take our instruction in writing from the purchase agreement and are not in a position to create new terms between a buyer and seller. This past due utility bill is a contractual issue between the buyer and seller. Mr. [redacted] told me he spoke with the seller and the seller agreed to pay half and Mr. [redacted] would pay half. This agreement is between the buyer and seller and we do not have anything to do with this. It was Mr. [redacted] 's choice to reach this agreement with the seller. Mr. [redacted] informed me he is going through real estate classes and his instructor told him the title company was wrong and should have told him about this bill. Mr. [redacted] 's instructor isn't a party to this closing and did not see the purchase agreement so he really should not have any comment on the utility issue between the buyer and the seller.We strive to take care of all of our buyers and sellers but this issue is not a title related mistake. I understand Mr. [redacted] 's frustration but this isn't a title issue and he made the choice to agree with the seller to pay half the bill. We are not going to be paying any of this amount that is being requested.When Mr. [redacted] sells the property we would be happy to offer reductions on the closing costs at that time as a returning customer which would save him money. But there isn't anything for us to do at this point.I am available to discuss this at 216-373-8260.Thank you, Ryan M***

This issue has been resolved by my office and I believe our customer is satisfied with the result If anything further is needed please let me know

Good morning,I wish Mr*** would have reached out directly to me as these are basis can simple questions. The package that was received only has one original as the deed is the only original the borrower/buyer receives. The rest of the originals go to his lender. When the deed
was filed, copy attached, the county wrote in Maple Heights on the tax mailing line. This information actually doesn't mean anything. The attached printout from the auditor shows the correct address as Mayfield Heights. Neither of these actually matter as Mr***'s taxes will be paid by his lender. If Mr*** would like his deed re-recorded he can mail it to my attention and we will re-record it for him, although it is not necessary. I will contact Mr*** directly via email now to coordinate this if he wants this re-recorded. All closed properly with his purchase and there is no reason to consult any attorneys but that is Mr***'s decision on what he wants to do.If any further information is needed please let me know.Thank you, Ryan M***

Revdex.com:
There is no need for any contracts to be seenAgain the bottom line is there was a lien on the house for past water billsOhio Real Title knew this all along and did not choose to reveal it to me
Regards,
*** ***

Yes, I received the check - 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,
*** ***

I have sent email exchanges between Ohio Real Title and myself in a separate email to you. These are what I provided to the *** *** ** *** and it is better than me having to collect the information again. I will not be providing my closing documents as that information should not just be handed out in interest of my security. The issue is Ohio Real Title's closer not only advised me that I can obtain my refund of $from my insurance, he also told me more than once not to read the documents. Something I believe MrM*** has actually confirmed with his closer and in all of these responses, has not addressed. Why does MrM*** not acknowledge one way or another if his closer told me to not read the documents?

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.
Ohio Real Title continues to decide for me that it isn't important to me that they do their job accurately or provide me with accurate documentation.  The incorrect document may very well have no adverse impact on me in the future; time will tell.  I have said previously I'm not going to expend any effort sending documents back and forth regarding what should have been done correctly from the onset.  You can consider the matter closed, unsatisfactorily.  Businesses and their leaders simply aren't accountable these days.  At least I have these series of communications, should I encounter issues in the future.
Regards,
[redacted]

I am sorry Mr. [redacted] is still upset but all closed properly.  I emailed him directly, which is attached, the day this complaint was received and I have not had a response.  I am available via email or cell after hours and on weekends.  My cell is 216-978-5453 and am happy to answer any concerns Mr. [redacted] has.As explained in my earlier response, the deed was recorded at the County.  The Auditor stamps it as does the Recorder and it is part of the public record.  The deed and tax printout that were provided previously showed the deed as recorded and Mayfield Heights as his tax mailing address.  There is not any issue.  The original deed Mr. [redacted] has is not important any longer because it's already part of the public record and the original is not needed again.  If Mr. [redacted] would like the deed re-recorded and we line through Maple Heights and write in Mayfield Heights and record it we are happy to do so.  It is not necessary to do this though as the County has the proper information as I have explained and provided the copies showing the correct information.  There is not anything wrong that needs corrected.  All closed properly.  If Mr. [redacted] wants his deed re-recorded he needs to mail it to me.  If not there is not anything that I can do for him, which is ok though as there isn't anything wrong from his closing.

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

This issue has been resolved by my office and I believe our customer is satisfied with the result.  If anything further is needed please let me know.

My operations manager Dean just talked through this with me this morning.  This amount should have been paid by the seller at closing and we did not collect it.  We are going to reimburse [redacted] this full amount.  Dean needed a day to research and see the particulars from the...

closing.  I do understand our buyer [redacted]'s urgency though and hope this response takes care of any concern she has.

There isn't any solution here as the loan closed as it should and the survey was done properly.  I believe at this point Mr. [redacted] has the check we sent him and the overage from his insurance company that he wanted.  There was no issue with the survey as the lender's parcel had an issue.  It was up to the lender if they were ok to move forward with the construction loan.  I understand this complaint will be on record with our Revdex.com profile but there isn't anything I can do about this.  All closed just as it should.

I just spoke with Mr. [redacted].  At closing the attached tax bill did not have any water or sewer amounts certified to the tax bill.  The prior owner water and sewer was not assessed to the property as an actual lien so it was not a title related issue.  The seller pays final utility...

bills after closing per the purchase agreement.  As the title company we take our instruction in writing from the purchase agreement and are not in a position to create new terms between a buyer and seller.  This past due utility bill is a contractual issue between the buyer and seller.  Mr. [redacted] told me he spoke with the seller and the seller agreed to pay half and Mr. [redacted] would pay half.  This agreement is between the buyer and seller and we do not have anything to do with this.  It was Mr. [redacted]'s choice to reach this agreement with the seller.  Mr. [redacted] informed me he is going through real estate classes and his instructor told him the title company was wrong and should have told him about this bill.  Mr. [redacted]'s instructor isn't a party to this closing and did not see the purchase agreement so he really should not have any comment on the utility issue between the buyer and the seller.We strive to take care of all of our buyers and sellers but this issue is not a title related mistake.  I understand Mr. [redacted]'s frustration but this isn't a title issue and he made the choice to agree with the seller to pay half the bill.  We are not going to be paying any of this amount that is being requested.When Mr. [redacted] sells the property we would be happy to offer reductions on the closing costs at that time as a returning customer which would save him money.  But there isn't anything for us to do at this point.I am available to discuss this at 216-373-8260.Thank you, Ryan M[redacted]

Mr. [redacted] closed on a loan with our company in August of 2016.  His lender required the full year of insurance to be paid at closing and we had to follow those instructions.  Mr. [redacted] had paid a portion but did not want the entire amount paid.  We had to follow the lender's...

instructions so any issues that Mr. [redacted] has should be directed to his lender.Below is the email where I updated Mr. [redacted] as to our final distributions from his closing.  There isn't anything further for my company to do with this closing. Good morning Mr. [redacted],You should be receiving the balance from your closing of what was left after paying your insurance.  The check is in the amount of $488.40.The balance to [redacted] to pay for the year was $308.60.I will update the Revdex.com and the [redacted] as to our final distributions from your closing.  As your lender is our insured we have to follow lender’s instructions and we could not wait any longer for different instructions from them.  I am sorry for any frustration this causes.If you need anything further or have any other questions please let me know.Thank you again for the opportunity to be of service, Ryan M[redacted]