Consumer complaint received 2022-09-16
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Complaint against First American Title and XXXX XXXX XXXX as XXXX XXXX for XXXX 
I am a victim of fraud by XXXX XXXX banks and their virtual lending practices ( information about money dresses as a loan to induce homeowners to sign promissory Notes and Mortgages which is securitized and sold to investors for $ XXXX {$180.00} per {$1.00} of information passed to the home buyers ) Title Insurance Companies - here XXXX XXXX, First American Title and XXXX XXXX XXXX - are heavily involved in this crime and defraud home buyers by impersonating as " Title Insurance company '' [ here : XXXX XXXX ] and lying to them about money transfers from alleged lenders ; and payments on behalf of homeowners to property Sellers while none of it happen in reality. Title companies employees do not receive any actual money from alleged Lenders ( except cashouts or surpluses from unknown to them sources ) ; and do not make any payments to Sellers lenders to release prior liens. 
Thus, my property Title was clouded before I purchased it ; during and after my fake transaction with XXXX who posed as a Lender. 

I tried to contact my alleged " Title Insurance Companies " XXXX XXXX and XXXX, for help with investigation and compensation me for damages, without any accord. 

Every time I got an absurd electronically signed runaround prepared by XXXX and forwarded to me purportedly by XXXX lawyer XXXX XXXX ( who did not prepared these letters, merely allowed to used her name as a signature ) denying my coverage because my " mortgage with XXXX '' ( aka fraudulent lien ) was allegedly " excluded '' from coverage. 

This fraud started from lies, impersonation and forgery. 

Impersonator XXXX employees passed me forged RESPA Disclosures to deceive me about who were real parties in my transaction XXXX XXXXXXXX XXXX  who was the real originator who forged all other documents from fake Commitment letter from XXXX XXXX XXXX ; fake Mortgage with XXXX ; fake Allonge to XXXX on my closing day ; fake and impossible Assignment of Mortgage from XXXX to XXXX ; and fake affidavit. All these documents are flagrant fraud, forgery ; and lack any legal authority to prepare and execute them. 

Impersonator XXXX XXXX ( who is XXXX  selling Agent, not issuer as robo-signer " XXXX '' said ) deceptively sold me bogus Title Insurance policy from XXXX ( who was not disclosed to me in forged RESPA Disclosures ) which do not cover anything as advertised- such as forgery, fraud, impersonation, lack of legal capacity, ect. 
Moreover, so-called Title Insurers secretly add exceptions such as excluding fake mortgages from pretender Lenders who commit fraud to obtain a signature on falsified documents while these lenders do not even participate in the transaction masqueraded as a loan. 
Merely saying or arguing that I had loan ( mean real money loaned to me ) with XXXX does not make it so. If things worked that way, I would argue that I am the worlds leader and the richest person in history, along with my ability to fly faster than light. 
A mortgage is only an incident to a debt, which is the principal thing. It is merely security for the debt. Where there is no debtno relation of debtor and creditorthere can be no mortgage. Here there was no debt, and hence no mortgage that can be enforced in equity. Cawley v. Kelley, 60 Wis. 315, 319, 19 N. W. 65, 66. 
A mortgage is not property at all, independent of the debt it secures. The extinguishment of the debt ipso facto et eo instante extinguishes the mortgage. The mere entry on the record of a release of the mortgage is not for the purpose of extinguishing it, but as evidence of a previous discharge of the debt. Fred Miller Brewing Co. v. Manasse, 99 Wis. 99, 74 N. W. 535. 
Mortgages are secure repayments of actual money ( commonly known as loans ). 
Thus, XXXX ( aka XXXX who was the actual preparer of this Title Insurance policy via its secured website using XXXX or something similar ) exclusion of mortgage with XXXX while I never had any loans ( money ) with XXXX is unlawful per se. 
This exception are not disclosed to me in any manner including false advertisement about comprehensive coverage until I receive a XXXX policy from third parties. I of course relied on representation and did not look at every page of this policy to discover this excemption because I was deceived that I had a loan with XXXX. I only discovered this fraud when HUD confirmed that they have no records about my transaction because here was no transaction at all. Yet, I many times asked XXXX to conduct investigation why XXXX claims its ownership and who recorded flagrantly forged documents such as fraudulent Assignment ( prepared by one of XXXX affiliates, XXXX XXXX or XXXX XXXX ) The actual Claim processing Agent XXXX XXXX XXXX Insurance is not disclosed to me as of today even though all electronically signed letters are prepared by Fidelitys employees or their Artificial Intelligence ( XXXX ) which generate responses which appear as they are coming from human beings while no real employee even involved in this process. XXXX computers merely guess how humans would write in certain situations. 
Mortgages are collateral for the MONEY, not for information about money, and only if these money were actually loaned by a real XXXX who used his own funds. Without actual money here can not be mortgages. Nobody can demand properties as collateral for non-existing loans First American does not insure mortgages. They insure title. So the question is whether they are saying that if the lien is invalid they will pay to have it removed or whether they are simply saying that the title record is accurate before the lien ; during the lien and past lien, as their XXXX Policy deceptively say they do. 
Now XXXX and XXXX are saying that the policy does not cover the recording of the mortgage lien. When they must explain how I can get a policy that does cover the that lien if even my real Title Insurance company was not disclosed to me ; and I of course had no disclosures about so-called exceptions of mortgages since none of it is not disclosed or advertised to perspective clients by XXXXXXXX XXXX or XXXX because nobody would buy it. 
To the contrary, it is advertised as comprehensive coverage for fraud ; forgery ; impersonation and lack of legal authority ( all present in my situation, before the closing, during the closing ( including fraud, forgery and impersonation by XXXX XXXX employees ) and after the closing. 
In reality, XXXX and XXXX bogus Title policies actually not insuring Title for the benefit of the property owner. They are merely issuing a Title policy for the benefit of actors who are pretending to be lenders to deceive property buyers about real natures of their transactions. 
The fact that the lien filed under those actors names is completely unsupported by consideration or any other scenario ; and that the lien is essentially clouds my title, is specifically and secretly - excluded from the policy of insurance issued by the carrier here-XXXX, not XXXX XXXX. 
All of the carriers that stayed in the business agreed to it because it was either bow to XXXX XXXX or go out from the business. Others were grabbed by XXXX, in gross violations of all antitrust laws. 
However, here is still another lien clouding my property Title which was never removed alleged mortgage from XXXX XXXX XXXX from the prior owner. According to two letters from XXXX XXXX XXXX, they never received any money from XXXX XXXX whose employee XXXX XXXX lied to me that the payment to me was received ( and must be recorded on their escrow or business account ) ; and presumably XXXX must make a payment to XXXX XXXX XXXX but never did it. 
So, fraud and impersonation was committed by my Title Insurance Company who lied to me about every step of my process, from non-existing wire transfers to being issuers ( aka sellers for XXXX ) of bogus Title insurance policies where fake mortgage for non-existing loan was excluded by XXXX 
Of course I would not sign any mortgages if XXXX XXXX would not lie to me that they received a wire transfer of actual money from XXXX Mortgage and paid on my behalf to the property Seller to remove the prior lien which stayed until XX/XX/2016 and still not valid since the alleged Lender can not confirm that they received any money on my behalf from XXXX XXXX. 
I once again demand XXXX, XXXX and XXXXXXXX XXXX to compensate me as promised in their XXXX policy {$200000.00} for damages I suffered from XXXX XXXX fraud, impersonation and deceipt with fake wire transfers and mortgages with pretender Lender XXXX whom I signed Promissory Note because I was defrauded by XXXXXXXX XXXX  whose employees lied to me non-stop. 
If First American, XXXX, and XXXX XXXX will again unjustly refuse to compensate as promised ; I have to proceed with the Court Action where XXXXXXXX XXXX, XXXX, XXXX and XXXX will definitely spend more than {$200000.00} on their legal fees, which XXXX promised them to cover, of course from litigation insurance Looks like XXXX, XXXX and their accomplice-impersonator XXXX XXXX prefer to defraud their litigation insurance company to cover for wrongdoers legal fees rather than honestly compensate customers who became victims of fraud

Company response to consumer: Closed with explanation