Consumer complaint received 2023-10-03
Company: Stewart Information Services
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Subject : Urgent : Immediate Action Required on Complaint Against Multiple Corporate Entities Dear Consumer Financial Protection Bureau ( CFPB ), I am reaching out to express deep concern regarding a complaint I previously filed, which to date has either been met with no response or received inadequate attention that falls short of a thorough investigation and resolution of the raised issues. Complaint IDs XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX are pertinent. 
I lodged a complaint against the following corporate entities : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My interactions with these organizations, particularly in the realms of mortgage origination, mortgage servicing, and title insurance, have unveiled a series of discrepancies, misrepresentations, and a considerable lack of due diligence on their parts, necessitating immediate and earnest attention and investigation. 

Critical to my complaint is the intentional alteration of parcel identifiers pivotal elements in the chain of title and legal description of the property in question. These intentional modifications, conducted by local government officials, transpired after the execution of a purchase agreement contract with a homebuilder but crucially before the processes of mortgage origination and settlement closing. Moreover, the complaint outlines significant misrepresentations of corporate names and statuses at the time of mortgage origination and the issuance of misleading notices. Each identified issue not only infringes upon my consumer rights but also undermines the integrity and transparency that should inherently characterize financial transactions in our country. 

I have attached detailed documentation and evidence to this letter to substantiate each aspect of my complaint, providing a comprehensive overview of the matters at hand. 

The failure by the mentioned entities to address these discrepancies and oversights has led to significant confusion and distress on my part. These issues cast doubts over the validity and legality of the mortgage origination processes and the existence of a valid loan. Furthermore, the nuanced differences in corporate names, which might appear trivial, bear significant legal implications, potentially influencing the financial trajectory and legal standing of consumers involved. 

Given the serious nature of these concerns, it is imperative that the CFPB takes immediate and decisive action. The practices of these corporations not only jeopardize individuals financial stability but also erode the public trust in financial institutions and the regulatory frameworks designed to oversee them. 

I urge the CFPB to take my complaint into immediate consideration and initiate a thorough and unbiased investigation into the actions of the listed entities. I seek resolution and redress for the challenges I've encountered and hope that this process will contribute to safeguarding consumer rights and enhancing corporate accountability within our financial landscape. 

Please feel free to contact me directly should you require further clarification or wish to discuss this matter in more detail. I earnestly await your prompt and careful attention to these significant issues. It is imperative that these concerns garner the immediate and utmost attention of both the CFPB and the Federal Trade Commission, as they bear grave implications for consumer protection and fair trade practices. 

Thank you for your immediate attention and assistance regarding this pressing matter. I look forward to your timely and decisive action. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation