Consumer complaint received 2021-09-29
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint against First American Title ( FAM ) and XXXX XXXX for breach of contract, fraud, deception, conspiracy to defraud ; fabrication of documents, aid and abet fraud, bigamy, bad faith and other illegal activities. Demand for Promissory Estoppel to compensate {$130000.00} under XXXX XXXX. 

Dear CFPB, Please find my complaint against First American Title Company and XXXX XXXX XXXX for their breach of contract and other illegal activities. 

On XX/XX/XXXX First American Title ( FAM ) lawyer XXXX XXXX XXXX sent me an robo-signed letter which contained numerous false and misleading statements and wrongful refusal to compensate me under XXXX XXXX No. XXXX. 

First, this letter contained lawyer XXXX electronic signature which can be attached by anyone and which does not match her wet-ink signature. 

Second, lawyer XXXX XXXX XXXX has a personal conflict on interest to handle my claims since she is a Mortgagee with alleged lender XXXX XXXX XXXX XXXX XXXX who is a part of my dispute. 

Third, this letter was prepared by someone else who used lawyer XXXX name and contains false and misleading information as following : 1. The letter mentioned that I " signed '' an Affidavit of Morgagors and Estoppel Certificate ( which is commonly used in rental transactions and I am not sure how it is related to Title Insurance Companies policies ). 

I do not have this Affidavit in my records. I do not recall signing such Affidavit. I did not find this Affidavit in files provided by XXXX XXXX ( XXXX XXXX ) to XXXX, who sent it to me several times. I looked at every page - no Affidavit. 

Here are no references to any " Affidavits '' in lawyer XXXX robo-signed letter of XX/XX/XXXX. See attached. 

In FAM respond to CFPB they did not mentioned any Affidavits signed by me. 

I demand XXXXXXXX XXXX, FAM and its other than XXXX XXXX XXXX employee to provide me a copy of this Affidavit purportedly " signed '' by me and provide me the name and contact information to the custodian my records where my original documents, including this Affidavit, are held, so I can contact them directly and request a copy of this Affidavit along with my fully assigned Promissory Note Please explain why FAM involvement was not disclosed in RESPA before the closing. 

2. This letter falsely stated that I purportedly " acknowledged '' that incident to the closing of the mortgage upon said land, the Morgagee caused the sum of {$130000.00} to be paid to the undersigned ( me ) a. This is a very weird language for a legal document since the name of the alleged " Mortgagee '' is not even stated. So, who was the alleged " morgagee '' - XXXX  XXXX  XXXX, XXXX who sent me a Commitment prepared by XXXX XXXX 's XXXX  or XXXXXXXX XXXX  XXXX XXXX who worked as a messenger for XXXX XXXX XXXX Please clarify. 

b. This is not true. Nobody paid ME any sum. Here was some secretive movement behind the scene in XXXX XXXX XXXX, but when I went to XXXX XXXX and requested a proof of payment from alleged " Mortgagee '' XXXX XXXX XXXX 's XXXX XXXX XXXX became very rude and refused to give me requested proof of lending. Please provide me material proof that money were PAID to me ( copy of wire transfer, cancelled check, ACH ) and by whom. 
This is XXXX XXXX and FAMs  obligation as my Title Insurance Companies. 

3. FAM insisted that their involvement is limited to be merely " underwriters ''. This is not true. XXXX XXXX are Underwriters, Issuers and Insurers with a binding legal contract with me. It states on page one of the policy. XXXX XXXX claimed to be an Issuer, which placed them under contractual liability to perform even though XXXX XXXX merely collect signed Mortgages and Notes for someone who is never disclosed to home buyers after this someone behind the scene tell them to do so. XXXX Titles does not perform any " issuers '' functions, they merely pose as " issuers '' to deceive clients. 

4. FAM insisted that " my issues '' are around " actions taken by my Lender '' ( presumably XXXX XXXX  XXXX XXXX XXXX XXXX? Please specify whose actions FAM robo-signers meant ) This is not true since XXXX XXXX  was not a Lender and did not took ANY actions, starting from origination which was done by XXXX  XXXX  XXXX XXXX XXXX XXXX with whom you personally have relationship as a " morgagor '' which put you in conflict of interest to handle my complaints against the same party ). 

According to HUD 's official respond, they have NO records about my alleged " loan '' with XXXX XXXX  or any following " assignments '' or " transfers ''. See attached. 

5. FAM  stated that my claim is denied since here is no challenge to my ownership based on Deed provided to me by XXXX and XXXX XXXX. This is not true. 

First, this statement contradicts with First American Title policy ( which is a legally binding contract between me and FAM ) which covers post-closing forgery and fraudulent transfers. 

Second, a group of delusional racketeers from XXXX XXXX  ( Caliber is a part ), now XXXX, claims some rights to my property based on clearly forged Assignment prepared by someone ( XXXX XXXX  ) who acted under glimpse of " XXXX XXXX  '' while skipped XXXX  and XXXX XXXX 's Trust and Trustee ( who also claim to be owners of my alleged obligation ) over a year after XXXX started to claim its non-existing " rights ''. 

All documents, including FAM letters, are coming from someone else electronically signed or not signed at all. 

All so-called " servicing '' activities such as collection of my payments- are conducted by someone else like XXXX, XXXX XXXX Third Party Payments Company - while nobody tell me whom they are servicing and who gave them any authority to collect from me any money - moreover, claim " rights '' to my property. 

Which is all covered by FAM 's Policy under paragraphs 3, 6, 9 and 10 since I signed documents with someone who was not disclosed to me as well as nobody disclosed the real nature of my transaction and fraudulently transferred Title in my property via forged Assignment prepared by impersonators like fake VP of XXXX  XXXX XXXX who never worked for XXXX 

According to First American advertisement and my policy provisions, FAM MUST investigate all my complaints and compensate me for all damages. 

FAM, who themselves are deeply involved in this fraud with forged Assignments via its subsidiaries Security Connections ( part of First American ) or directly themselves. For example, in XXXX Security Connections helped XXXX XXXX Bank to steal home from XXXX XXXX in New Jersey using XXXX robo signed by XXXX XXXX in XXXX. XXXX went incorrect date order chronologically from B to C BEFORE it went from A to B. ( See the assignment ). In XXXX Idaho Attorney General refused to investigate this matter and lied to XXXX that XXXX XXXX  does not exists due to its merger with First American. 

However, in XXXX a non-existing XXXX XXXX collected a Discharge of Mortgage purportedly made by XXXX for XXXX family, on the same manner how First American collects alleged XXXX XXXX XXXX mortgages for XXXX XXXX XXXX XXXX XXXX along with forged Releases prepared by XXXX VP XXXX XXXX XXXX who never worked for MERS, all at the same address XXXX XXXX  XXXX, XXXX  XXXX, ID. 

Clearly First American is willfully and actively engaged in these criminal activity and bigamy. By one hand FAM sells bogus Title Insurance Policies via sham conduits without any intent to comply with its contractual obligations. And not shy to lie homeowners and fabricate non-existing Affidavits and Estoppel Certificates My other hand FAM destroy these property Titles using same faux Lenders and Servicers as a cover up. It is clear that none of the correspondence or notices received by me and other homeowners, including letters from XXXX XXXX XXXX were in fact prepared or sent by or even on behalf of any company named as a Servicer. Companies like XXXX XXXX and XXXX XXXX ( which was a part and partner with First American ) who do all of that and do it on behalf of the hidden securities firm that calls itself an investment bank or commercial bank. The designation or naming of a Lender or Servicer, just like the designation or naming of a trustee, trust, or substitute trustee, is an illusion. 

In my situation, none of the companies claiming to be a servicer ( XXXX XXXX, XXXX XXXX XXXX, XXXX ) is not the actual recipient of funds paid by me and in no case is the company disbursing money to creditors because it never received them from anyone. 

Thus none of them have rights to claim any interest in my property or demand any payments from me which is covered by my policy related to pre-closing forgery, impersonation and deceit and post closing forgery impersonation, deceit and fraudulent transfers. 

Yet, FAM repeatedly breach their contractual obligations, send me robo-signed letters via its messenger girl XXXX XXXX XXXX who has flagrant conflict of interest to be involved in this communication at all ; and even lie about some Affidavits purportedly signed by me. 

I demand FAM and its other than XXXX XXXX XXXX employee to provide me a copy of this Affidavit purportedly " signed '' by me and provide me the name and contact information to the custodian my records where my original documents, including this Affidavit, are held, so I can contact them directly and request a copy of this Affidavit along with my fully assigned Promissory Note Please provide me material proof that money were PAID to me ( copy of wire transfer, cancelled check, ACH ) and by whom. 

Compensate me {$130000.00} for fatal damages to my property Title as promised under the Policy.

Company response to consumer: Closed with explanation