Consumer complaint received 2022-01-27
Company: Fidelity National Financial, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please find my Qualified Written Request to Fidelity National Financial ( FNF ) dba ServiceLink servicing activities such as Modification and VA Partial Claim for my VA loan XXXX. 

On XX/XX/XXXX someone sent me a Modification Agreement and VA Partial Claim named as XXXX XXXX where ServiceLink was listed as a recipient of these documents after recording at ServiceLink Loan Modification Solutions located at XXXX XXXX XXXX XXXX, XXXX CA XXXX. See attached documents. 

I filed a complaint with CFPB requesting to identify ServiceLinks full corporate name and explain why they conduct servicing of my alleged loan if another company XXXX XXXX XXXX, XXXX claims to be a Servicer who is acting under authority of XXXX XXXX XXXX where XXXX XXXX XXXX XXXX is a Trustee who controls all financial activities for this Trust, including retention of sub-servicers like ServiceLink. 

On XX/XX/XXXX someone from purportedly ServiceLink responded to my CFPB Complaint where an undisclosed to me person said : ServiceLink 's full corporate name is ServiceLink , LLC. It is a licensed title agency. 

ServiceLink was retained by XXXX to provide a title report to XXXX for property located at XXXX XXXX XXXX, XXXX, MI XXXX. If the modification agreement is signed, ServiceLink would also be retained, in its capacity as a licensed title agency, to record the modification agreement in the county real estate records for the county where the property is located. ServiceLink has no other involvement in the transaction described in the complaint. 

This respond lacks Corporate Identity of the Company who filed it ; or name of its authorized agent whom I can contact with my questions. Moreover, this respond created more questions than were listed in my original Complaint. 

I need clarifications about this Modification and Partial Claim since I do not know who sent it to me and do not understand terms of these Agreements, specially VA Partial Claim. Please respond to me directly via email and certified mail. 

First, please disclose if ServiceLink knew that their name was being used to assert functions that Servicelink does not perform?

Second, this respond said that ServiceLink was retained by XXXX to provide a Title report for my property which is publicly available on Recorders website. Please verify if Servicelink actually performed this Title Search and sent me this Modification and Partial Calim or if someone else sent it and if so, who sent them. ( and under what authority if from Servicelink )?

According to CA Secretary of State, ServiceLink LLC was California domestic corporation dissolved on XX/XX/XXXX and located at XXXX XXXX XXXX XXXX XXXX CA XXXX. ServiceLink who sent me these documents is located XXXX XXXX XXXX XXXX, XXXX CA XXXX. I need clarification in which State ServiceLink LLC mentioned in CFPB respond is incorporated to act as a sub-servicer for my VA loan. 

Please identify full corporate name of XXXX who retained ServiceLink as a sub-servicer. Please disclose the name of my creditor under whose authority XXXX hired ServiceLink to perform sub-servicing activities. Please state if ServiceLink LLC retention was approved by XXXX  as Trustee for XXXX XXXX XXXX. Please disclose the name and contact information of XXXX authorized employee who hired ServiceLink , LLC. 

The respond also said If the modification agreement is signed, ServiceLink would also be retained, in its capacity as a licensed title agency, to record the modification agreement in the county real estate records for the county where the property is located. ServiceLink has no other involvement in the transaction described in the complaint It contradicts with ServiceLink instructions to return recorded documents to ServiceLink Loan Modification Solutions AFTER recording, instead of returning it to XXXX. 

Also, my package involved two separate loan Agreements one Modification Agreement and one VA Partial Claim which comes directly from VA. 

Please clarify if ServcieLink was hired by VA or under VA authority to record VA Partial Claim in the County real estate records. 

Based on these documents, it appears that ServiceLink is already retained and authorized by my Creditor [ s ] to accept recorded documents specially VA Partial Claim, which is a separate loan provided by VA ( XXXX XXXX ) and not related to my Modification Agreement. 

Please explain why these documents must be returned to ServiceLink after recording and that ServiceLink is going to do with these documents. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation