Closing on a mortgage

Posted on Posted in Complaints, Mortgage

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In the past, I filed complaints with the CFPB against First American Title located in XXXX Nevada. I had filed complaint # XXXX and XXXX against First American Title. I requested to know if the lender ever made a claim on the policy of title insurance. First American Title stated ; First American res pectfully responds by stating that XXXX XXXX is not the insured on this policy and XXXX XXXX is not entitled to the information regarding the lenders policy on title insurance. That is true but when fraud has occurred which has been proven, the lenders title insurance policy must not be deemed as private information due to the circumstances! In these complaints, I asked First American Title, wh en did First American Title send our original Note and our original Deed of Trust to XXXX XXXX XXXX ? I even asked First American Title by phone, the same question. XXXX from First American Title responded by email ; stating, please see attached. First American Title sent us via email a document which reflects that our loan documents were sent to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX . The document also reflects that the package was sent on XX/XX/XXXX an d received by XXXX XXXX XXXX on XX/XX/XXXX by XXXX , tracking # XXXX . In XX/XX/XXXX , we then filed a complaint against First American Title with the Nevada Division of Insurance. Then, First American Title resp onded to the Division of Insurance inq uiry. On XX/XX/XXXX , the Nevada Division of Insurance sent us a letter stating ; according to their response, they state a copy of the Deed of Trust has not been recorded-contrary to your complaint. The information you used to base your allegations is a document which was provided to the lender prior to the date of the recording of the Deed of Trust. First American Title would have followed the lenders instructions on subsequent action and would have retained the original for recording. Now ; investors require the original document ( s ). If First American Title st atement is correct, we request the following questions to be answered and provide documentation! First, what date di d First American Title send the original documents to XXXX XXXX XXXX or any other company affiliated with our mortgage loan? Second, which company did First American Title s end the original documents with, XXXX XXXX , XXXX , USPS? Third, we also request to know how Firs t American Title recorded our Deed of Trust with the XXXX County Recorders Office. ( Ele ctronic recording or in person ) If First American Title ans wers our questions truthfully and provide documentation, we will cease and desist all complaints. We will then know if our original Deed of Trust was recorded correctly. If the Deed of Trust was improperly recorded, we will require the State of Nevada to remove the recorded Deed of Trust dated XX/XX/XXXX , instrument # XXXX from their website without any recourse again st First American Title. If First American Title fails to answer our questions truthfully and provide documentation, this will prove that First American Title did in fact send our original Note and our Original Deed of Trust on XX/XX/XXXX a s previously stated! This would then warrant an investigation by federal and state agencies which will mean that mis-conduct occurred with our ( legal ) mortgage loan documents! First American Title wi ll have violated Nevad a statue ( s ) which I will not cease and desist until First American Title is held accountable for their actions! CFPB, please review the documents provided!

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