Consumer complaint received 2021-01-11
Company: Fidelity National Financial, Inc
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are the victims of mortgage loan fraud by XXXX XXXX ( d/b/a XXXX XXXX XXXX ), a bad faith title insurance claims by XXXX XXXX XXXX XXXX XXXX and wrongful foreclosures by XXXX and XXXX XXXX XXXX XXXX of which we can only surmise to be the act of equity theft, securities fraud, and bid-rigging. We purchased our house in XXXX and it was first wrongfully foreclosed in XXXX. This was so accomplished because there was already a Warranty Deed on our property with a Security Deed which was never canceled, prior to our inducement. This crime was carried out by Real Estate Closing law firm, XXXX who using their own title examining company, XXXX XXXX, produced a fraudulent clear title to execute a counterfeit Warranty Deed. At closing, we signed a fraudulently prepared Borrowers Affidavit of Title, which induced the XXXX XXXX XXXX to release funds for the loan under the newly created XXXX XXXX XXXX ( now defunct ), and inducing us to sign the accompanying counterfeit Security Deed for the same. We were never given notice of the XXXX foreclosure nor a dispossessory warrant and in good faith, continued to make payments. 

In XXXX, we refused the payment terms of the newly assigned lender, XXXX XXXX Investment Partners ( Trustee for XXXX XXXX XXXX XXXX ) due to their breach of contract, and for refusing to provide record of our payment history from XXXX to XXXX. We asked for this history because we noticed our principle never decreased, but increased by more than $ XXXX from above our original loan amount. XXXX attempted to foreclose on the counterfeit XXXX Deed, but were unsuccessful due to the XXXX wrongful foreclosure granting XXXX both legal and equitable title. XXXX filed a Petition for equitable reliefwe filed a title insurance claim with Fidelity for defective title. Fidelity denied our claim, asserting, the XXXX petition would cure our title. On XX/XX/XXXX, through material misrepresentation and gamesmanship, XXXX won a summary judgment granting them Deed under Power of Sale. In addition, a Consent Order was to be reformed canceling any conveyance of our property to XXXX. XXXX by law however, could only execute a Quitclaim Deed of Release to its buyer, releasing both legal and equitable title to our sellerwe NEVER received equitable title nor subsequently, our full rights as homeowners. 

We have discovered the 'genesis ' of the fraud, which was carried out by the recording of false Warranty and Security Deeds which made it impossible for Titling companies, to discover the bonafide, existing Warranty Deed. We would later discover AMIP, title insurer Fidelity Title Insurance Company and XXXX ( the former bank who conducted the first wrongful foreclosure ) are aware of this 'loophole ' and have worked against us to foreclose once again. After denying two additional title claims, Fidelity stalled and never cure our title defects. Their interests in our failure stem back to a XXXX, 70 % interest merger in our title examining company, XXXX XXXX, posed to cover up embezzlement crimes which lead up to the imprisonment of XXXX of XXXX XXXX and law firm managing partner, XXXX XXXX in XXXX. 

AMIP successfully conducted a non-judicial foreclosure on XX/XX/XXXX, XXXX enforcing the same counterfeit XXXX Deed, robbing us of our $ XXXX down payment, over $ XXXX in mortgage payments and over $ XXXX in equity.

Company response to consumer: Closed with explanation