Consumer complaint received 2020-07-31
Company: All Credit Considered Mortgage, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I submitted a complaint to the CFPB about All Credit Considered Mortgage , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX regarding mortgage closing issues and possible insurance/title/brokerage/attorney fraud. On XX/XX/XXXX the company closed my complaint with the following response, The company sent its response directly to the consumer because it could not confirm who submitted this complaint. To protect consumer privacy, The CFPB has not included the companys response in this consumer portal. You can contact the company XXXX XXXX XXXX XXXX about its response to this complaint.This makes no sense because the submitted complaint included my name, postal address and email contact details. So, I am re-submitting the complaint and re-submitting my contact details : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I have just moved and do not have phone accessibility, so their complaint response needs to by post or email which are my only available methods of communication. 

Additionally, I feel that CFPBs purpose of disclosing fraud for the benefit of the public is not served by off the record phone responses. I have simply asked for a copy of my fully executed Deed of Trust on property, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and confirmation that the mortgage recorded in the XXXX XXXX XXXX XXXX by ACC represented thru MERS has not transferred title to a 3rd party trustee without my consent, possibly from a XXXX XXXX  probate Trust that was opened fraudulently within my late husbands estate, Estate of XXXX XXXX XXXX  XXXX opened XX/XX/XXXX, as I discovered happened with title rights of XXXX XXXX XXXX XXXX XXXX  XXXX, despite me holding sole title under Rights of Survivorship. 

Attached you will see I have paid for owner 's title insurance listed in my sole name. Any title transfer to the Estate of XXXX XXXX has been done by fraud since no estate trust could have opened without my consent or knowledge per my late husband 's Will admitted to court XX/XX/XXXX. My husband 's Will clearly stated that I should be the Trustee of any Trust for residual funds not bequeathed to me in the Marital portion of the estate. There were no such residual funds. Myself as sole beneficiary and my children as heirs, have never been informed of a Testamentary Trust. Furthermore, Testamentary Trusts should be publicly recorded on the XXXX Probate online case look up as well as a recorded Trustee Deed in the public Town of XXXX XXXX XXXX. There is no disclosure of any Trust being opened, but two estates were opened for my late husband by the XXXX Probate Court. Fiduciary rights were given to Attorney XXXX XXXX XXXX ( Juris ID XXXX ) as a Guardian Ad Litem on  XX/XX/XXXX in a Will where the children had no assets and the Will not yet admitted on that date. Clearly my home at XXXX XXXX, owned outside of probate was transferred to a Trustee Deed for The Estate of XXXX XXXX, without my knowledge. The existence of a Trust is  furthered evidenced by the XXXX XXXX court letter instructing me to submit a Disclaimer of Trust before I could close the estate. 

My attorney that I paid to represent me in both the sales closing of Merwins property and purchase of the XXXX property, Attorney XXXX XXXX ( Juris ID XXXX ) has confirmed an estate held title of my solely owned property at XXXX XXXX without my permission or knowledge through a trustee deed, by filing XXXX  XXXX conveyance tax form. She also issued owner title insurance policy for the XXXX XXXX XXXX XXXX, XXXX CT XXXX. I am requesting ACC to confirm this by sharing the fully executed Deed of Trust. Only a blank copy was included in my " fully executed sales documents. Borrowers should have a right to know if title was assigned to a 3rd party. All consumers should be warned to ask for this written clarification If MERS is listed as the mortgagee since title transferred without their consent is fraud. 

Attorney XXXX charged me for my owner 's Title insurance policy and I fear I may have paid to insure a 3rd party Trustee to take away my title rights without my knowledge. This would be unethical to make me pay from my personal funds for title rights that do not belong to me and no one will disclose to me, possibly belonging to a Trust that was opened fraudulently. 

XXXX. XXXX XXXX ( State License # Unknown ) has charged me from my personal funds for a home insurance policy for my XXXX property from my personal bank account. This too would be highly unethical if I was paying for a home owners insurance policy titled to a trustee who owns all property rights without my consent. XXXX. XXXX has issued a copy of the policy in my sole name, but did not even have me sign insurance binders until XX/XX/XXXX after the home sale was closed on XX/XX/XXXX. I fear there is another policy in the name of a 3rd party title holder that I have paid for. 

So, I am asking ACC to please mail me the fully executed Deed of Trust to the XXXX XXXX XXXX, XXXX XXXX  XXXX property with written confirmation that title rights are vested solely to me through my Warranty Deed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation