Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Fidelity National Financial, Inc
State: AZ

Complaint narrative:
Company Name : Fidelity National Financial , Inc. ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Product/Service Category : Mortgage $ XXXX $ Closing, escrow, or settlement services Transaction Date : XX/XX/year> Escrow Order Number : XXXX Corporate Claim Number : XXXX 1. Describe What Happened ( Complaint Narrative ) Federal Statutory Framework : This complaint is submitted for formal investigation into violations of the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ) and its implementing Regulation X, regarding the deceptive handling of escrow settlement funds, failure to timely disburse payoff monies, and material misrepresentation of title satisfaction to a consumer. Factual Summary : On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX ( XXXX ) acted as the settlement and escrow agent for the purchase of my primary residence at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The agency charged and accepted a {$780.00} Escrow Fee to clear all underlying title encumbrances. Specifically, Requirement # 12 of the Title Commitment mandated the immediate payoff and termination of a recorded XXXX XXXX Solar Fixture Filing ( Recording No. XXXX ). The settlement agent committed severe escrow misconduct by closing this transaction using a short-payoff contract that had explicitly expired and become contractually void on XX/XX/XXXX, XXXX days prior to closing. The 56-Day RESPA Violation and Fund Mismanagement : Following the close of escrow, XXXX abandoned its fiduciary obligation to verify that the funds were received and that the title was cleared. Internal corporate wire records subsequently provided by Associate Claims Counsel XXXX XXXX on XX/XX/year>, reveal that XXXX did not execute a corrective wire transfer to the lender until XX/XX/year>. This represents an unconscionable 56-day administrative delay where consumer settlement funds were improperly held and unverified. Material Corporate Misrepresentation : On XX/XX/year>, the parent corporation ( Fidelity National Financial ) issued a formal written determination to me falsely asserting that the {$13000.00} wire 'was accepted as full payment for release of the Lien by XXXX XXXX ' This statement is completely false. On XX/XX/year>, I was contacted by XXXX active debt collection division. The lender confirmed that because XXXX closed on a voided contract and delayed payment by 56 days, over {$5600.00} of the escrowed payoff money was consumed entirely by accumulated interest penalties. As a result, the loan was not paid off, the UCC-1 lien remains actively attached to my property, and I am facing active collections enforcement for an unmitigated Outstanding Principal balance of {$36000.00}. Consequential Consumer Harm : XXXX 's prolonged escrow failure resulted in an immediate 88-day administrative monitoring lockout from my home 's solar utility asset, preventing critical diagnostics and forcing me to incur {$1100.00} in accumulated retail energy costs and per diem interest. I am now facing immediate credit and financial jeopardy due to third-party collection actions stemming entirely from this escrow mismanagement. 2. Desired

Company response to consumer: Closed with explanation