Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Fidelity National Financial, Inc (WA)

On XXXX/XXXX/2015, I signed an agreement with XXXX XXXX to buy the property XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The closing date is XXXX/XXXX/2015. As a condition of the sale, XXXX XXXX insisted on using its own form, instead of XXXX, to make XXXX, required me to purchase title insurance from Chicago Title & Escrow, and force me to use XXXX XXXX as the closing agent. XXXX XXXX Team had reiterated that XXXX XXXX XXXX corporate policy dictates that we [ Builder ] do not make any changes to the contract nor use any XXXX forms ''. 
In XXXX 2015, the closing agent forged the closing documents, decided that the closing date would be XXXX/XXXX/2015, and team of XXXX XXXX Agent, Chicago Title & Escrow and XXXX XXXX used the Closing Agent to attempt to arm-strong me into taking financial obligation and risking down payment of XXXX cash prior to closing, and receiving nothing after closing. Their sole purpose is to gain money by deceiving me into thinking something which the fraud perpetrator knows to be false, robbing me with forged documents, instead of a gun, in the mask of complying with contract. 
On XXXX, there was no valid Purchase & Sale Agreement, no Loan Commitment Letter from XXXX XXXX, which on XXXX confirmed that they had never issued updated loan documents and/or loan approval, nonetheless, the closing agent performed a fake closing. 
Soon after the designed fake closing, XXXX XXXX released my funds to XXXX XXXX without my knowledge. 
I reported our concerns about the ordeal that I have gone through to Chicago Title & Escrow immediately. I was particularly disturbed that XXXX clearly had no respect for the law. This was an intentional scheme concocted solely to seize my funds while allowing Builder/Seller to deliver nothing. The following day, XXXX XXXX, a senior manager, concluded that XXXX had fully complied with the company 's guidelines. Does anybody really believe that? Her prohibited practice harms consumers and constitutes an unreasonable danger to community of buyers. After five weeks, XXXX insisted on that she was " proud of our staff '' and XXXX conducted closing properly. 
Taking into consideration the fact that XXXX XXXX is a national builder, XXXX XXXX a leading player in the mortgage industry, and Chicago Title & Escrow a national title company, I am deeply concerned that the scope and pattern of their practice are broader and graver than I initially imagined. 
So today, as I am thinking about the families who are unfortunate and whose funds were separated from them due to escrow fraud and business scheme, I would ask the big companies to think about how they can get their management to improve business practice and let the American people have a peace of mind and confidence doing business with them. 
There is a category of conduct that harms consumers ; there is a scenario where consumers are stripped of their rights ; there is a situation where the buyers are put in a position, where the companies are financially rewarded for their unlawful manipulations. Fraudsters wear many different masks. They think their conduct will go unpunished. But " the American people have something on their side the fraudsters do n't : the force of the largest coalition of federal, state and local partners ever assembled to combat fraud ''.