Consumer complaint received 2021-05-18
Company: Fidelity National Financial, Inc
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This letter is in response to the CFPB Complaint Number XXXX filed in XX/XX/XXXX to which XXXX XXXX XXXX, Senior Claims Counsel, VP responded shortly thereafter. This letter is not the rebuttal but an additional complaint resulting from the new information provided by XXXX letter of response. A rebuttal to XXXX letter will be addressed shortly. 
After reviewing the letter, we now know that we have been severely defrauded by Fidelity National Title Insurance Company from XXXX until today, as they have and continue to use their vast power to deny our rights, persuade financial institutions to engage in spurious transactions, and induce practitioners of the law to commit fraud upon the courtsall in efforts to foreclose on our property and divest more than $ XXXX in equity, by : producing a forged title policy for the sole purpose of denying our title claims failing to inform us of or jointly defend our title-defect when paying the XXXX XXXX  XXXX XXXX loan policy claim ( # XXXX ) failing to inform us of or jointly defend our title-defect when paying the XXXX XXXX XXXX loan policy claim ( # XXXX ) orchestrating the corporate assignment of our extinguished security deed from XXXX XXXX to XXXX XXXX XXXX XXXX retaining law firm XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( for XXXX ), and the XXXX XXXX XXXX ( as our counsel ), and thereby inducing them to conspire to interfere with and disrupt our Chapter XXXX Bankruptcy actions being dilatory in resolving our title defect, both in acknowledgement and solvency colluding with the foreclosing attorney firm, XXXX XXXX to knowingly conduct an invalid foreclosure on our property on XX/XX/XXXX Forged Policy : Policy number was XXXX was forged and sent to us in XXXX of XXXX, referencing the unfounded exception ( # 4 ) of [ a ] ny secured interest conveyed by the insured as a catch-all to deny our title-defect claim. They also referenced this forged document to United States Government Agencies ( including yours ) in violation of the USC code 1001 ( c ) ( 2 ). 
Our true policy number listed on our HUD-1 Settlement Statement is XXXX. Recently, when requesting either policy from Fidelity, we were told neither exists. 
Factual Background for Fidelity Motive : On XX/XX/XXXX, XXXX XXXX, managing director of XXXX XXXX, XXXX XXXX XXXX XXXX and Associate Professor of Civil Engineering at XXXX XXXX XXXX  opened a security deed in the amount of {>= $1,000,000} for 7 properties ( including ours ) in the XXXX XXXX XXXX  This security instrument had a maturity date of XX/XX/XXXX. In XXXX, XXXX along with Fidelity exploited a loophole in the recordation of property legal descriptions by obscuring the indexing, whereby single properties could be utilized for multiple bank loan transactions. Having insured the XXXX XXXX XXXX  development in XXXX, Fidelity used this scheme to certify title examinations for encumbered properties and issued title insurance to secure loans from participating financial institutions such as XXXX XXXX XXXX XXXX  ( as in our case ). Fidelity would then provide Loan Policies to these choice institutions who would then cash-in when the properties defaulted. 
In XX/XX/XXXX we entered into a lease-purchase agreement with XXXX while trying to secure a loan. The description on our Purchase and Sale Agreement matched the original legal description on the builders warranty deed. However, this description was altered on our Warranty Deed by removing one of the two Land Lots encompassed by the tract ( or parcel of land ) as described by the Plat, using metes and bounds. As it stands, the absence of one of the Land Lots has caused us to perpetually trespass on private, Common Property, in order to leave and return to our residence. 
Proceeding as expected, XXXX defaulted on its loan and on XX/XX/XXXX the aforementioned properties were foreclosed on by XXXX lending institution. Without our knowledge, our property was party to the foreclosure and subsequent sale as an anomalywe had actually purchased our property on XX/XX/XXXX. XXXX, nor his lending institution would make us aware of this breach of contract/title-encumbrance, and we continued making mortgage payments. 
In XXXX, in the middle of our closing, our builder/seller ( XXXX ) insisted we get an owners title policy. In fact, he said that he could not let us leave the closing without getting it! Our closing attorney firm XXXX XXXX ( XXXX ) offered issuance for {$1200.00}. We were told our lender, XXXX XXXX a subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had a loan policy through the same insurer, Fidelity National Title Group. We purchased title policy # XXXX from XXXX XXXX XXXX, XXXX, owned by XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX. XXXX also owned the title examination company XXXX XXXX XXXX XXXX XXXX who cleared and certified our title. 
In XXXX XXXX, 70 % of XXXX XXXX, XXXX was later purchased by Fidelity National Title Group after substantial escrow account misappropriations within the law firm of XXXX This merger now leaves Fidelity culpable for every facet of the entities responsible of our defective title. 
We need your help as Fidelity is blatantly and maliciously ignoring the law for their own gain while hurting consumers.

Company response to consumer: Closed with explanation