Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Partners Title Agency, LLC
State: CA

Complaint narrative:
Partners Title Company is the Title company selected and contracted by XXXX XXXX XXXX XXXX XXXX XXXX, Michigan to perform the title work in the origination and closing of our current loan brokered by XXXX XXXX for XXXX XXXX XXXX. 

Starting in early XX/XX/year>, we submitted requests to Partners title for ALL all records related to our loan ( see communications in attachments ). 

Finally, in XX/XX/year>, we submitted on last request ( the XXXX ). Partners Title, this last time responded with electronic copies of the final Closing Documents ( partial, with material items omitted - Promissory Note ) and copies of the Deed Documents.

To the issue of Partners Title failing to respond to earlier requests,
Closing Operation Manager, XXXX XXXX states she did respond to the prior request and referenced an email that is foreign to us .. XXXX and states this email was on our loan application. I pointed out to XXXX XXXX that in my written email rquest for documents, I'd actually included the specific email to respond to with the requested documents attached ( see attached email text content ). 

To this point, we have not received the full set of ALL documents- initial version, any changes, when those changes occurred, who ordered the changes, time stamps/tracking of sequence of events and changes regarding our loan.

We are asking CPFB to facilitate the release of these documents under state and federal provisions : 1. RESPA Requires : Acknowledge a Qualified Written Request ( QWR ) within 5 business
days.

Provide a full response within 30 business days, including : Copies of all documents related to the servicing of the loan The Promissory Note ( if requested ) All versions of disclosures and statements Any documents relied on to make escrow, tax, or payment determinations A correction or explanation if information is missing or unavailable Identify the name and location of any document custodian.

2. TILA Recordkeeping : 12 CFR 1026.25 Creditors must retain : All disclosures All evidence of revisions The Promissory Note These records have not been provided.

3. California Civil Code 2943 ( b ) ( 1 ) - ( 2 ) Upon written demand, a beneficiary or servicer must provide : The Promissory Note Any evidence of indebtedness True copies of requested documents XXXX XXXX, XXXX, and the title companies have not complied. 

4. VA Lenders Handbook Requirements Participating lenders must : Maintain complete loan files Produce documents upon request Retain the Note for audits and compliance The Promissory Note and full file have not been produced.

We have also requested information regarding liability insurance coverages for Partners Title as may be needed to process pre-litigation notices to appropriate parties. 

Conclusion We are elderly borrowers in a XXXX veteran household. 
We are entitled under federal and state law to receive the complete loan file, including the Promissory Note and document history. 

We respectfully request immediate CFPB intervention to compel full compliance with all disclosure, recordkeeping, and document-production laws governing mortgage loans.

Company response to consumer: Untimely response