Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Bay Equity LLC
State: IL

Complaint narrative:
I WAS IN SEARCH OF PURCHASING A HOME DUE TO ME SELLING MY OLD HOME. AS I WAS SEARCHING I FOUND OUT I CAN BE ON TITLE EVEN THOUGH I WAS NOT MARRIED. I EXPLAINED TO XXXX I WAS SEPERATING AND WAS ON A TIME SCHEDULE AND XXXX MY OTHER HALF WOULD BE THE ONE PURCHASING AND MY NEWPHEW WOULD HELP IF HE DIDNT QUALIFY ALONE. LATER I HAD TEXT XXXX IF I CAN BE ON TITLE BECAUSE I FORGOT TO LET HER KNOW ON THE PHONE. WELL WE FOUND A HOME AND I ASKED XXXX A FEW MORE TIMES IF I CAN BE ON TITLE NOT THE LOAN SHE STATED YES NO PROBLEM AND I WAS MAKING SURE BECAUSE AGAIN I DONT WANT ISSUES. THE REASON WHY I WAS GOING ON TITLE WAS TO FILE EXEMPTS AND I WAS CLEAR ON THAT. SHE KNEW I WAS NEVER MARRIED TO XXXX BUT I REFER HIM AS MY HUSBAND AND SHE ASSURED ME WE WOULD BE FINE. WELL I NOTICED I WAS ALWAYS TELLING EVERYONE ABOUT THE TITLE BECAUSE NO ONE KNEW WHICH STOOD OUT TO ME BECAUSE THATS HER JOB TO MAKE SURE THE TITLE WAS CLEAR. XXXX ON ALL THE DOCUMENTS PUT DOWN SINGLE AND WE WERE CLEAR TO CLOSE AND THIS ISSUE AROSE. THAN THE DAY OF I COULDNT BE ON TITLE BECAUSE I HAD TO BE MARRIED THEY SAID. THAT WAS NEVER TOLD TO ME TILL THE DAY OF. SO I TOLD MY REALTOR I WAS GOING TO TELL HER BOSS AND XXXX ENDED UP REACHING OUT STATING SHE WOULD FIX THE TITLE. SHE ASKED HOW MUCH AND HOW SOON TO FIX THE TITLE. {$600.00} AND IN A FEW WEEKS I EXPLAINED. SHE THAN ASKED IF I CAN GO WITH XXXX HER ATTONEY HE WAS CHEAPER. I WAS CHASING THEM BOTH FOR A WHILE TILL FINALY WE GOT EVERYTHING FILLED OUT IN XXXX. XXXX WAS WAITING FOR PAYMENT AND SO I SPOKE TO HIM AND HE STATED XXXX PAID {$500.00} AND I HAVE TO PAY {$250.00}. I QUESTIONED THAT. I WAS NOT SUPOSE TO PAY ANYTHING AND THATS {$750.00} WHY WOULD WE OVER PAY I SAID MAKES NOT SENSE. I CALLED XXXX AND SAID JUST GIVE ME THE {$500.00} ILL GET THE TITLE DONE I FOUND ANOTHER ATTORNEY. SHE SAID SHE DIDNT PAY THAT AMOUNT XXXX HAS TO LIE BECAUSE ITS HIS JOB. WELL I WENT BACK LEFT A VOICEMAIL XXXX NEVER ANSWERED. I THAN WENT TO XXXX XXXX # XXXX AND HE TOLD XXXX TO PAY. XXXX TEXT ME SHE PAID XX/XX/XXXX AND AGAIN I CALLED XXXX AND HE SAID HE RECIEVED NOTHING. XXXX WAS GOING TO LOOK INTO IT ANF HE SAID YES IT WAS ORDERED AND DONE XX/XX/XXXX. SO NOW I SPEAK TO XXXX HES SO UPSET AND CURSING AT THE SITUATION. HE SAID XXXX DID NOT PAY ANYTHING AND SHE WAS ASKING FOR HIM TO SAY SHE DID AND IN REALITY I PAID TO HAVE MY TITLE FIXED AND SHE WOULD WALK AWAY NOT PAYING A PENNY. SO HE STATED HE WAS NOT LOSING HIS ATTORNEY LICENSE AND HE WILL CALL THEM BOTH OUT ON THE EMAIL. XXXX STATED IN THE EMAIL ABOUT NO PAYMENT AND HE WANTS NO FURTHURE PARTICIPATION AND WONT LOSE HIS LICENSE. SO NOW I NEVER HEARD FROM XXXX AGAIN AND I WENT TO ANOTHER MANAGER XXXX  # XXXX AND HE WAS LOOKING INTO IT AND AGAIN ALOT OF BACK AND FORTH AND HE WANTED ME TO DO THE WORK OF A REALESTATE ATTONEY AND ONLY PAY THE FEES. IM XXXX  I EXPLAINED I AM AN XXXX XXXX XXXX I WAS SO NICE FOR SO LONG AND I EXPLAINED THIS ISNT OK. SO HE TRIED XXXX AND XXXX SAID NOW AND SENT HIM TO ANOTHER ATTORNEY. WELL NOTHING ON THAT ATTORNEY AND XXXX TURNED EVERYTHING AROUND SAYING I CLAIMED MARRIED THAT XXXX STATED AND THEY ARE HELPING ME! HORRIBLE! THAN THEY TOLD ME BECAUSE I WROTE A REVIEW THAT HAD NO NAMES ON SOCIAL MEDIA IT WAS AN ISSUE. SO NOW THEY DIDNT HELP ME. I RECENTLY FOUND OUT XXXX DID THIS TITLE SITUATION FOR MY COUSIN AND THERE WAS NOT MARRIAGE ISSUE THERE. HE EVEN WROTE 2 YEARS OF WORK HISTORY WHEN THEY DIDNT HAVE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation