Consumer complaint received 2016-06-28
Company: Northwest Title Company
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX, 2016, I applied for a mortgage refinance loan with XXXX XXXX XXXX located in XXXX, California. XXXX XXXX assigned my loan to NexTitle, Title & Escrow Company, also located in XXXX, California. It is problems arising with the escrow company that I hereby submit this complaint. I allege this escrow company engaged in unfair & deceptive business practices. At signing of loan documents, without prior notice, escrow demanded a fee in the amount of {$310.00}. No reason was provided, but without this payment, my loan would not be processed. A check for this amount was issued and cashed by escrow. Later, escrow stated this money was needed to pay my homeowners insurance, which in fact, was already paid through 2016. On XXXX XXXX, 2016, escrow notified me that my XXXX mortgage with XXXX XXXX had been paid. The XXXX mortgage was in fact not timely paid. Despite notification of the correct payoff amount by XXXX XXXX, escrow was late in payment for total payoff. This late payoff caused me to incur additional interest & fees in the amount of {$110.00}. Upon inquiry, escrow refused to answer my questions. On XXXX XXXX, 2016, escrow issued me a refund check. On XXXX XXXX, 2016, escrow issued me a second refund check with no cover letter or attachment. On XXXX XXXX, 2016, I was notified by my bank that escrow placed a stop payment on their first refund check. No reason was provided. On XXXX XXXX, 2016, XXXX Bank issued a refund to escrow for the amount of {$50.00}. This refund was for a waiver of a XXXX of XXXX XXXX, which I had previously paid in escrow. Despite my demands, escrow refused to communicate or answer my questions. Because of escrow 's remiss actions, I have incurred {$250.00} in attorney fees for legal consultation of their stop check issuance and review of my escrow documents. I have incurred the amount of {$110.00} for fees arising to escrow 's late payment. I have also incurred a non refunded fee of {$50.00}. Lastly, I have incurred fees for postage, faxes, bank fees, and other related costs arising from their actions. The escrow company has provided me with a {$50.00} check to cover my bank related stop payment fees. However, this money does not make me whole for my expenses and damages to date. I am attaching a copy of a certified letter I submitted to escrow on XXXX XXXX, 2016. Escrow received and signed this letter on XXXX XXXX, 2016. Escrow has been non responsive to my demand to reasonably resolve this matter. I believe escrow violated state & federal law. They have not been truthful. The amount of {$310.00} they received was never utilized to pay my insured. Escrow late payoff to my XXXX mortgage bank was the proximate cause of I being assessed the amount of {$110.00}. I have documented proof to support this complaint. I will provide them to your office, upon demand. I believe this escrow company, as my paid agent, breached their ethical, legal, and fiduciary duty. I desire in the interest of public safety, consumers be aware of these unfair & deceptive business practices. If requested, I will testify to this matter at any administrative hearing.

Company response to consumer: Closed with explanation