Consumer complaint received 2017-05-19
Company: Fidelity National Financial, Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I bought a house on closing date  XXXX / XXXX / XXXX . On  XXXX   XXXX  I received a collection letter from the HOA itemizing amounts due related to the acquisition of my home. Amounts due are  : 1. Asso transfer fees {$200.00} 2. Adopt School Program {$400.00} At the time of the closing the title company presented a HOA Statement ( for  which I paid {$250.00} ) dated  XXXX   XXXX ,  XXXX . Such statement disclosed a transfer fee of {$170.00} and recurrent annual payment of {$810.00} for annual assessment and {$140.00} for bulk service. The  Asso Transfer fee and the Adopt School Program were not disclosed. As part of the closing process I settled the amounts disclosed in the received certificate. The Title company remitted the amount to HOA and the chec k was cashed in  XXXX / XXXX / XXXX .     After receiving the collection letter I contacted the  Tittle Company which provided both evidence of the check cashed and the copy of the certificate detailing the {$170.00} ( the fees related to this complaint were not disclosed ). The HOA initially stated that they can not explain why I was not notified before or why the certificate I paid for was not correct but that the amount was owed as stated in the Corporate Governance documents. After couple of calls and inquiries to HOA I opened a quality ticket. The HOA contacted me and send me a certificate disclosing all amounts due. When I sent over the certificate that I had they allegedly did some internal process and found out that the certificate I received was incorrect and that on the same day ( some minutes later ) they properly sent out another certificate to the Tittle Company.  Please note that apparently no additional due diligence was done on the side o  f the HOA to make sure the Tittle Company was considering the correct certificate.
Basically HOA is stating that I must pay the amounts and are clearly asking me what my intention is and that the amounts are owed as per the Governance papers. In the other hand, the Tittle company stated that they did their part collecting and remitted what was   requested as per the certificate. On  XXXX   XXXX ,  XXXX  I sent an email to  Tittle Company  requesting their action. A follow up email was sent on  XXXX   XXXX  and I visit their offices on  XXXX   XXXX  when the closing agent stated she will come back to me, she would request information from the  HOA and  she will verify with corporate if th e Apopt a Sch ool Should be considered a cost related to the transfer. She stated she will come back to me on  XXXX   XXXX . I followed up on  XXXX   XXXX  but not proper resolution or even an update has been provided as of today. Kindly refer to the attached email for more details about the related facts and my position regarding this matter. Im also including the documents I gathered from   both Tittle Insurance and HOA.
.     I kindly request your assistance o further review the underlying charges based on the below facts stated in the attached email and supported by the attached working papers.     Best regards,

Company response to consumer: Closed with monetary relief