TitleOne Corporation

Dear Ms***,This is a response to your letter dated October 8, regarding the complaint referencedaboveFirst, to clarify, TitleOne Corporation ("TitleOne") provided services to Mr.*** in both the purchase of his home and a refinance of his homeTitleOne hasno record of any
complaints with the purchase transactionMr*** did notifyour office of his complaint regarding the property taxes associated with the refinancewhich is addressed herein.It is standard practice that during the process of a refinance TitleOne issues a Lender'sPolicy of lnsurance as to the priority of the loan of the financing lenderAs part of thatprocess, when owed, taxes are collected and paid current as part of the closing of theloanIn this case, the amount of tax was incorrectly shown on the closing statement as$1,when $1,was owed, however a title commitment was issued showingthe correct amount of property taxes dueIn addition, Mr*** executed theclosing statement and escrow instructions acknowledging $as the tax amount onMay 19, Sometime later, Mr*** was sent a tax notice for the outstanding$plus penalties and/or interest totaling $Mr*** then contactedTitleOne and made us aware of the error.On or about July 30, 2015, Mr*** spoke to Laura P***, Escrow Team Leader,and Christine W***, Escrow OfficerHe received an apology for the error and anoffer to pay any delinquent charges that were incurredMr*** was not happywith the offer and felt that he had sufferedadditional damages and he wanted us to paythe taxes because of injury to his reputationMr*** was told the matter wouldbe processed through the company's customer complaint process.The matter was reviewed as part of our customer complaint process and Mr***was left a message by Laura P***, on or about August 14, The message was thatthe Company position had not changed.TitleOne takes responsibility for the consequences of its errorIn this case, TitleOneoffered and maintains the offer to pay the penalties and interest accrued in the tax error.However, the taxes are his responsibility and he agreed to pay them pursuant to theEscrow Instructions he signedMr*** reviewed the documents and agreed topay upon demand any claims for matters to be removed from the title commitment priorto closingTaxes are matters that are removed prior to closing in order to insure thelender of its security interest in the propertyThe Escrow Instructions state in relevantpart:THE FOREGOING TERMS, CONDITIONS, CONSIDERATION AND INSTRUCTIONS AREUNDERSTOOD AND APPROVED IN THEIR ENTIRETY BY THE UNDERSIGNEDI AGREE TO PAY ONDEMAND USUAL BORROWER'S CHARGES INCLUDING RECORDING FEES, SETTLEMENT FEES,TITLE POLICIES, UNPAID BALANCES OF ANY ENCUMBRANCES OF RECORD THAT ARE TO BEELIMINATED FROM THE TITLE COMMITMENT PRIOR TO THE CLOSING, DOCUMENTPREPARATION FEES AND LENDER'S FEES PER THEIR INSTRUCTIONS.[Emphasis is in the original.]Thank you for providing the opportunity to respond to this complaint.Hopefully this letter brings clarity to the facts and we hope you agree that we have dealtfairly and appropriately with Mr***Please contact us with any additionalquestions or concerns.Sincerely,Vicki W***Senior Vice resident