Posted by Tony/FL on 7/30/07 11:17am
Msg #202687

Backdating of documents

I just received a call from a rep at FISERV Lending Solutions (formerly GAC & ILS) telling me that I would need to backdate the docs for my signing tonite to the 16th. Yes you are reading it correctly, the 16th. I asked him if he was telling me to backdate my notarizations and he said yes. When I told him that it was illegal to do so, he kind of laughed and said "illegal"? I said yes and told him to get someone else to do the signing. I called the supervisor of vendor management and left a voice mail message, as well as emailing the person as well.

It is really insulting to have reps at reputable companies asking notaries to break the law. And what really makes it worse is the fact that this company is one of those that wants notaries to undergo background checks. What to see if we have criminal records! Wow how
contradictory is that?

Reply by Terri/Fl on 7/30/07 11:20am
Msg #202688

Where in Florida are you located?

Reply by sue_pa on 7/30/07 11:42am
Msg #202699

Susan Brown has been systematically deactivating vendors that have worked for GAC for years and years. We can assume most of them did their work correctly or they wouldn't have been with them for years and years. I believe at the NNA conference she made a statement along the lines that 25% of their orders came back with errors. Perhaps all those notaries who make all those errors also don't know the error of backdating. We can only hope this was an isolated instance from this company and the rep didn't realize what he was asking, although that's almost impossible to believe. Totally defies logic and reason to remove people that know how to do the job correctly and replace them with people that don't know what they're doing. I guess it works somehow for the bean counters.

Reply by docs1954CA on 7/30/07 11:59am
Msg #202712

I've been asked to back date docs also, when asked, I advise them that it's illegal for me to do that, and it's illegal for YOU to ask me to. Then I ask their name again and to spell it, the conversation usually ends there.

Reply by Roger_OH on 7/30/07 12:17pm
Msg #202722

I ask them to fax me the backdating request on their letterhead, which always seems to stop them short.

Reply by LisaWI on 7/30/07 12:37pm
Msg #202726

Re: This after a lengthy conversation

with an unnamed person, lets just say, important to their vendors, about background checks and why they are asking for them. We probably talked for a good half an hour. Telling me the importance of doing one to satisfy their clients because they are the ones who are asking for them and they have very legitimate reasons why. It was a good conversation, we both understood our stances on this matter and mine is still the same. No BGC here and dont plan on it too soon. Not needed in my opinion.

But if the whole idea is to protect consumers from fraudulent activity by someone who might because they have a shaky past ( and that is what I was told they are looking for with the BCG), isn't this exactly the kind of act they would be looking for? Isn't this a part of where consumers need protection also?? If this person is going to ask for backdating documents, wouldn't the consumer be open to other fraudulent activities from this person?? Or it could be another consumer for that matter.

IMO, totally unfair and unethical to ask for BGC's on us and then to employ someone who is trying to commit outright fraud. Are they doing BGC's on their employees??

You would think there was another resource for reporting this kind of behavior outside of these comps. Or does the backdating have to actually happen first??

Reply by Terri/Fl on 7/30/07 12:28pm
Msg #202725

Susan Brown of Fiserve spoke at the NNA conference!

Well....who is in who's pocket? I find this very interesting that a vendor manager would speak at the NNA conference. I worked for GAC for years before they merged with ILS and Susan Brown systemically ran all the regular loan closers off with her insulting fee reductions. Boy this burns me up!!! Of course they, Fiserve, now requires a background check from the NNA...how convenient, even from signing agents like myself that closed loans for them for years and had an excellent track record for NO MISTAKES! Somebody is sleeping together
lots of new notaries from the NNA, background checks from the NNA and fee reductions from FISERVE because as she Susan Brown told me and I quote "Why should we pay you $XXX.XX amount when there are so many notaries out there that do the same work....she said...it is simply SUPPLY AND DEMAND...there are so many notaries that wil work for these lower rates. Right now I am Pi**ed off. Now they are complaining about all the mistakes....are they nuts, stupid or just plain GREEDY to lower fees for the regulars closers.....loose them all and then have the B*LLS to complain when the new inexperienced notaries that make TONS of mistakes. Fiserve/Susan Brown....you get what you paid for.....lots of mistakes but hey you did save a couple of dollars on the notary fees but get to pay MORE FOR SHIPPING FEES to have them shipped back to the notary to correct the mistakes. Talk about shooting yourself in the foot. What other title co/lenders were at this conference? Inquiring minds need to know who is sleeping tohether!

Reply by bigdog on 7/30/07 1:48pm
Msg #202735

Re: Susan Brown of Fiserve spoke at the NNA conference!

My question is, why do we as Notaries need another BGC when the state does this when you apply for your Notary Commission? I, like you, believe this to be another money making scheme by XYZ. Everytime I turn around they're sending something else asking for money. It is getting old fast.

Reply by Stamper_WI on 7/30/07 2:09pm
Msg #202741

Fiserv and BGC

Its been awhile since i checked but as of last Nov you did not have to go through the NNA for the BGC. Fiserv will do it for a fee.

Reply by LisaWI on 7/30/07 5:06pm
Msg #202787

Re: Yes, they will do one for $23, but

they still do not accept Harrys. They claim it isnt as intensive as the NNA's. They said they are looking for other areas that may be harmful to borrowers and the example I was given was, what if a notary is attacked by a dog that I assume belonged to the borrower, would they lash out. Well, whadda think?? If I was attacked by someones dog, I surely would be protecting myself. That one made no sense to me what-so-ever.
All I can say is I cannot agree with their tactics or reasoning on this matter. There has to be a better way.

Reply by Terri/Fl on 7/30/07 5:40pm
Msg #202795

In the NNA pockets...kickbacks.

The whole point is....I have closed several hundred loans for GAC and the State of Florida requires a background check and I had a background check for my Mortgage Broker's License and my Real Estate License....so how many more times. This is a kick back money making scheme for the NNA and also bragging rights for Fiserve when they are marketing for new lender...."oh by the way... our signing agents have had a background check"...it is a selling point to get new lenders as clients. Fiserve reduces our fees because there are so many notaries and then they require a background check from the NNA and they the NNA brings on more notaries and then Fiserve requires more background checks from the NNA. If this isn't a kickback I don't know what is and in the meantime our fees keep going down and down because the market is over-saturated while the revenues of Fiserve and the NNA keep going up and up. I have been going into people's homes on behalf of GAC for years...my track record speaks for itself and the state requires a bgc so now Fiserve requires another one of course from the NNA....where just by accident Susan Brown of Fiserve just gave a speech at the last NNA convention. I smell a vicious money making rat that that wants us to pay for this scheme.......and the money making circle continues on and on.

Reply by CaliNotary on 7/30/07 6:29pm
Msg #202802

Re: In the NNA pockets...kickbacks.

"now Fiserve requires another one of course from the NNA....where just by accident Susan Brown of Fiserve just gave a speech at the last NNA convention. I smell a vicious money making rat that that wants us to pay for this scheme.......and the money making circle continues on and on."

Were you at the convention or did someone tell you about her speech?

If you were at the convention you really have no room to complain about their money grubbing tactics. Why would they change their ways when they're making money hand over fist from the very people who are complaining about their methods?

Reply by Terri/Fl on 7/30/07 8:06pm
Msg #202847

Calinotary not at the convention nor am I a member of NNA

I was not at the convention and I am not a member of the NNA....I do not support their deceptive business practices. If you read the post by Sue of PA...she states Susan Brown of Fiserve, spoke at the convention....which I find shocking. Many years ago I was a member of the NNA, when I first started closing loans and I learned very quickly that they do not know what they are talking about. I had a dual power of attorney closing for a man who had POA for both his Mom and Dad. On the way to the closing I called the NNA hotline for advice but it didn't feel right to me. I then called the title company and they gave me advice the exact opposite of the NNA. I realized very quickly that the NNA was not to be trusted in any shape or form. I never called for advice again and as soon as my membership expired I was done with them.

Reply by CaliNotary on 7/30/07 8:55pm
Msg #202860

Good to hear

I've seen more than a few posts on here from people who talk about how horrible the NNA is, but then say that they're going to remain a member because they get business from being listed on their website. That gets my panties in SUCH a wad.

Reply by sue_pa on 7/31/07 7:43am
Msg #202897

Re: Yes, they will do one for $23, but

...other areas that may be harmful to borrowers and the example I was given was, what if a notary is attacked by a dog that I assume belonged to the borrower, would they lash out. ..

Well perhaps I should resign my commission now. I knocked a yippie little Jack Russell 1/2 way across someone's kitchen earlier in the summer with my big ole Liz Clabourne bag - the thing was in midair and my face was right in his sights.

As you said, that statement makes no sense at all.