Complaint Guidelines:
Non-payment of Notary & Document Signing Services:
Notary Public “Theft of Services” & “Defrauding an officer of the state” complaint guidelines
If it says “California only” please look up your State agencies. Even if you are out-of-state but hiring parties are in California, you may also send information to California agencies listed below. There are several Federal Agencies listed.
Hiring Party:
Call, email and send Registered, return receipt letter to non paying hiring party:
1. Call
2. Email
3. Send “Payment Demand letter”-“Register letter with “return receipt”(find at Post Office)
(First create a written track record of trying to collect funds due, to resolve non-payment issue)
4. Send email, letters and CC everyone concerned
Title (find on loan documents)
Lender (find on loan documents)-compliance officer
Escrow (find on loan documents)
Bank (if applicable)
Loan Originator (if applicable)
Mortgage Broker (if applicable)
Real Estate Agent (if applicable)
Real Estate Broker (if applicable)
FILE COMPLAINTS with the following if applicable and CC “hiring party” of complaints filed & everyone associated with the transaction:
Department of Insurance (All 50 States) Oversee most Title & Escrow companies
https://eapps.naic.org/cis/fileComplaintMap.do
California Department of Business Oversight: (California only)
Complaint form: http://www.dbo.ca.gov/Consumers/consumer_services.asp
Good read: http://www.dbo.ca.gov/Licensees/Escrow_Law/consumer_information.asp
CFPB (Consumer Financial Protection Bureau):
http://www.consumerfinance.gov/complaint/
You’ll be able to review the company’s response and will have 60 days to give us feedback about the response.
If we find that another agency would be better able to assist, we will forward your complaint and let you know.
STOP FRAUD:
https://www.stopfraud.gov/report.html
Report Financial Fraud
Great list of government agencies to report
United States Department of Labor:
https://www.dol.gov/whd/contact_us.htm
NR: http://www.dbo.ca.gov/Consumers/consumer_services.asp3
Department of Justice (DOJ): California only
https://oag.ca.gov/contact/consumer-complaint-against-business-or-company
Attorney General- Xavier Becerra-California only
(Usually have a min. of 100 complaints or $300,000 dollar value before they will take action)
District Attorney Office-OC only:
Orange County, CA: this is an example. Report to your county & hiring parties’ county District Attorney
FORM: http://orangecountyda.org/civicax/filebank/blobdload.aspx?BlobID=23323
http://orangecountyda.org/howdoi/reportfraud.asp
FBI (Cyber Crime): most likely you have been sent an email confirmation/work order from hiring party via the internet
https://www.ic3.gov/complaint/default.aspx
FORM: https://www.ic3.gov/default.aspx
FEDERAL HOUSING FINANCE AGENCY OFFICE OF THE INSPECTOR GENERAL:
https://www.fhfa.gov/Homeownersbuyer/MortgageAssistance/Pages/ComplaintsConcernsQuestions.aspx
Good links to Fannie Mae & Freddie Mac
Report Fraud form: https://www.fhfaoig.gov/ReportFraud
Federal Trade Commission (FTC):
https://www.ftccomplaintassistant.gov/GettingStarted?NextQID=251&Url=%23%26panel1-7#crnt
Governor Jerry Brown-California (Your Gov. here):
Contact Info: https://govnews.gov.ca.gov/gov39mail/mail.php
(Choose “Small Business Issues/Concerns” or “other”)
HUD
https://portal.hud.gov/hudportal/HUD?src=/complaints_home
Bureau of Real Estate (if buyer or seller package)
http://www.dre.ca.gov/Consumers/FileComplaint.html
Board of Realtors (if buyer or seller package)
http://www.wikihow.com/File-a-Complaint-Against-a-Realtor
Congressman (Your State-State of loan origination-State of Escrow-State of Title Company location)
http://www.house.gov/representatives/find/
Senator (Your State-State of loan origination-State of Escrow-State of Title Company location)-upper right hand corner for zip code search.
https://www.senate.gov/
State Bar of California: Attorney (California Attorney nonpayment only):
http://www.calbar.ca.gov/Attorneys/LawyerRegulation/FilingaComplaint.aspx
COLLECTION AGENCY: (FEE BASED)
Rates may vary per Agency. Collection Agency may charge a Flat Fee or on contingency, meaning a percentage (%) of debt collected. The average rates charged by collection agencies are between 25% - 50%, depending, on how old the debt maybe. Read the fine print!
Example: Total outstanding collectable debt is $100. Let’s say the collection agency charges you 35% on contingency. You would receive $65 of the total amount collected. If the agency collects only $60 of the total $100 debt, you would receive $25.
SMALL CLAIMS COURT: (FEE BASED)
Not all States allow out-of-state small claims. Check your State or County regulations.
Estimates only depending on your State:
Amount of claim allowed depending on your State: .01 - $5,000 in some cases $10,000 max.
Average cost: $30-$100
If you receive a judgment you ARE responsible for collection of judgment.
Example: Los Angeles http://www.dbo.ca.gov/Consumers/consumer_services.asp0
Example: OC http://www.dbo.ca.gov/Consumers/consumer_services.asp1
Better Business Bureaus (BBB)
(BBB is not an enforcement agency)
http://www.dbo.ca.gov/Consumers/consumer_services.asp2
Social Media-Yelp
Good Read: Msg # 505157
Posted by GOLDGIRL/CA of CA: http://www.dbo.ca.gov/Consumers/consumer_services.asp4
**Disclaimer: This list contains general information and is not advice, and should not be treated as such. I am not a lawyer and this should not be considered legal advice. You should seek appropriate counsel for your situation.
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