Real Title Agency, LLC Complaint: Settlement process and costs

#1725742 5 Jan 2016

Mortgage Conventional fixed mortgage

Complaint #1725742 submitted on 01/05/2016 relating to Real Title Agency, LLC. Complaint relates to Mortgage Conventional fixed mortgage - Settlement process and costs .

Complaint was submitted via Web and sent to the company on Wednesday 17th February 2016.

Narrative (may be redacted).

I closed on my property on XXXX/XXXX/15. I received a voice mail by the Escrow officer, XXXX XXXX, at the ohio real title agency on XXXX/XXXX/15 and was told to bring {$5200.00} certified bank check to closing on XXXX/XXXX/15. Upon closing on XXXX/XXXX/15, the notary from Ohio Real Title stated that they had not yet received the final closing disclosure from XXXX XXXX of XXXX. After reviewing and signing the documents that were on time and available at my closing on XXXX/XXXX/15, first federal had submitted the final closing disclosure to ohio real title which was then faxed to the location where I was signing the final documents. The final closing disclosure showed the amount cash to close for {$5000.00}. At that time, I was advised by the Ohio Real Title Agency Notary that I would receive a refund for the exact amount that I had over paid with my certified bank check, due to the escrow officers error in telling me the incorrect amount to bring to closing. About XXXX week later, I received a check in the mail from Ohio Real Title for the amount of {$110.00}. I called the escrow officer, XXXX XXXX, and the Post closing manager, XXXX XXXX, and was told that I was refunded a smaller amount because of a XXXX mortgage -- -- the first time I had heard that I had a " XXXX mortgage. '' I then contacted OHFA to verifiy that I did not have a XXXX mortgage, as I was told by XXXX at OHFA in XXXX, that I did not have a XXXX mortgage and I was given incorrect information from Ohio Real Title. XXXX gave me the # for the OHFA Coordinator, XXXX XXXX, to pass along to XXXX XXXX and XXXX XXXX to verify and clarify this with Ohio Real Title. Later on, in e-mail communication, XXXX XXXX stated that I was given incorrect information in stating I had a XXXX mortgage, but I actually had a " rider '' which resulted in new additional " recording fees '' that were not listed on my final closing disclosure. The final closing disclosure that I signed on the date of closing, XXXX/XXXX/15, is not the same final closing disclosure that the Escrow Officer provided me showing the " new recording fees. '' The dates of the documents are different, and the numbers/figures are altered and not the same as the final closing disclosure document that I signed at closing. I simply would like my money refunded that I overpaid, as I was told to bring a larger amount to closing then what was needed at closing. I was to receive a refund of {$180.00} total, I received a check from ohio real title for the amount of {$110.00}, thus being short of {$72.00}. I am most concerned with the numbers and dates being altered on the final closing disclosure that I received at a later date, showing a different amount in fees. I signed a different final closing disclosure at my closing.

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