Consumer complaint received 2017-05-17
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
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!

Company response to consumer: Closed with explanation