Consumer complaint received 2018-02-27
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have a closing of my property located at XXXX XXXX XXXX XXXX, XXXX fl XXXX, was handled by the title company XXXX XXXX XXXX XXXX OFFICE XXXX XXXX DIRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX It was impossible to get a complaint through this web side to the TITLE COMPANY WHICH VIOLATE RESPA SECTION 10 ESCROW ACCOUNT. 

The closing of my property located at XXXX XXXX XXXX XXXX XXXX fl XXXX, was handled by the this title mentioned above. 
The title company had various violations with my closing and Real estate Business according to RESPA, section 10 escrow, contract agreement, ethical business laws and settlement procedures. 

According to RESPA, all escrow accounts are utilized to pay off any debt owed within the property being sold. XXXX XXXX XXXX XXXX XXXX  contacted me for over payment, the the invoice was {$730.00} and the title company sent {$1000.00}. The title company has yet to report any over payment to me, and has been almost 5 month and XXXX XXXX XXXX XXXX, keep the money in escrow and did not pay yet. I found out all through the water company, I believe this was done on purpose in order to keep the over payment without any suspicion, if this title would done this to 10 clients it a real economic fraud. 
the lady, from bill payment of water called me many times to tell me, she did not understand why it was over payment, her boss told to give back that check and since that this title company has no pay this bill. 
the original contract for this property listed in the XXXX was paying 3 % for buyer and 3 % for seller, The title company reduce my commission because the number for her did not workout and finalized the closing. i have to signed because this title company also has my profit check and also i gave all the bill has to be with this closing, XXXX, water, XXXX. conclusion this title company make looks in paper everything and the XXXX XXXX the closing agent never gave her face, at the beginning is a new person and at the closing her manager.. 

Also i had a loan, a hard money loan in that house of {$200000.00} buy that time i closed it has been increase {$210000.00} because i did not pay since started the conventional loan, it was almost 5 months, .The title company was aware of all these transactions and they utilized this because for all parties this closing was very long My concern about this title company, when i went to XXXX XXXX XXXX XXXX, for 6 months, XXXX XXXX went for 6 employees, she make me a quick claim deed. to XXXX XXXX, and i did not want to do it because i ready did that quick claim deed to XXXX XXXX XXXX TO XXXX XXXX, i did not know why because i was on record owner, maybe for taxes any game she knows to do with taxes discount of for her convenience makes me afraid because i do not trust her office. 
I do not really trust her because i saw claim for medicare and she is a a lawyer her husband is a realtor, and both they trick there clients and make everything looks perfect in the papers. everything appear as perfect deal. 
i wish to claim my 3 % commission fee that is rightfully owed to me. I also want all debts paid according to our contract agreed upon. I also need all liens removed from my property in order to be able proceed with my business. 
I felt frustrated with the CONSUMER FINANCIAL BUREAU, because it does not have jurisdiction over title company, and also she is a lawyer and very terrible that she knows how to move it. She is very hard caught her, she has a little team 3 persons, manager and a ex lawyer who lost his licensee revoke, her husban who is a realtor worked with them is same office. 

everything i did in XXXX XXXX, and she acts like worked too, XXXX XXXX get the firs client she did like a circus, she puts the bells to ring and finally gave me a bottle of wine when i closed the first deal. Charged me what i did not expecting it ( I felt weird because i have been working in different field but connecting, since XXXX, telemarketing mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, and right now i am XXXX  since XXXX ) I did another closing with her XXXX XXXX XXXX XXXX, i told the XXXX XXXX the closing agent, i told how much charge me because another lawyer charge me 4 %,. She said " it will be like XXXX for something and another XXXX for another, i said ok because the price it was XXXX XXXX, almost 1.5 %. when i asked for a PREHUD, her employee came without real estate commission and looks like i am getting a lot of profit, i get excited but the lady did not done well her job, did not consider the real estate commission. That is one of the tricks put low number and at closing make everything for her side. 
with this first closing XXXX XXXX XXXX XXXX XXXX, i sent you the bill of power because she charge me 4 % and maybe she made up utilities bills to charge more money.

Company response to consumer: Closed with explanation