Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/18/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was purchasing a home at ******************************************************** and the seller chose this title company. Per the contract on the home, the seller was responsible for the title fees. Excel title company bypassed my realtor and attorney and directly sent a Borrower introduction letter that stated in red ***Please Note that we can not begin any work on your transaction until this document has been signed***. I therefore signed the document to not delay the process even though #3 of the contract stated that Should this transaction cancel or transfer for any reason, and fees ( including settlement fees and title insurance) and/or cost (lien search, survey, etc) incurred may be deducted from the ******* money deposit and/ or charged. This language completely contradicts the sales contract that was available to excel title and did not accurately reflect the terms of the sales contract. The only reason I signed was because my contract explicitly stated the seller was responsible. My contract was cancelled by the Seller and Excel title proceeded to withhold a portion of my escrow instead of charging the seller as stated in the sales contract. I called and emailed excel title multiple times and Excel title never responded to me directly. Instead they provided insufficient documentation of the itemized charges that did not include receipts for work performed. Additionally, since the contract was canceled the *** would have refunded the estoppel but Excel still charged for this fee. Excel title behavior was predatory and their lack of transparency and response to myself as the owner is unacceptable.

  Business Response

  Date: 08/01/2023

  We opened this file on June 6th, 2023.  We did not receive the cancellation until July 1, with a closing date on the contract of July 12th.
  
  We use Qualia as our encrypted portal ordering and communicating everything through Qualia.  We are charged via credit card through the Qualia Marketplace.  Since this cancelled so close to closing,everything was completed on this file and the buyers were the party that could not close on time.  The seller could not extend the contract.
  
  We have our clients sign a document before we even begin work on the file to ensure if it cancels at the last minute, we are not stuck with out-of-pocket charges.  If it had cancelled much sooner and we hadnt received the items and been charged, we would have released the entire deposit.I have attached a signed Buyer Introduction Letter and most of the invoices that did not include our Settlement Fee of ****** and Title Search of ****** and we didnt charge the full title insurance of ******** which we are entitled to charge.
  
  The client states we held ******** which is not the case, we only held and deducted 2,159.00.
  
  I have tried to explain this several times and sent invoices as well.
  
  Please do not hesitate to let me know if you have any questions.

  Customer Answer

  Date: 08/01/2023

   
  Complaint: 20339114
  
  I am rejecting this response because: As stated we had until July 12th to close. I had a clear to close. The seller chose to cancel the sale- not me, the buyer therefore I should not be helped liable for the fees when the decision was the sellers. A detailed invoice with attached receipt for each charge was never provided to me.
  Per the contract, the seller is responsible for the title fees. Your contract contradicts the first contract that was signed and in place. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 08/01/2023

  July 12 is the closing date not the date for the Mortgage Contingency.  This was canceled a few days right before closing after the work was already done.  Please refer to the mortgage contingency in paragraph 8.

  Customer Answer

  Date: 08/02/2023

   
  Complaint: 20339114
  
  I am rejecting this response because: I received a clear to close from the bank prior to the seller cancelling the sale. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:08/19/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of transaction: June8th, 2022.I am manager of ***** Properties LLC of **********, and we bought a house in ***** Florida at ************************************************************ using Excel Title I of Florida. They have made many errors and placed wrong address of LLC on the Warranty Deed for the house, when we requested to have them put correct address on the Deed, they rudely stated that it is not needed and hung up on us.The never mailed us copy of the deed as requested otherwise we would have identified wrong address earlier.I cannot imagine how a Title company can state that incorrect address on a deed for the property is "OK'' and refuse to correct their mistake

  Business Response

  Date: 08/24/2022

  I spoke to the client and advised them that the Deed conforms and has no errors. The mailing address on Deeds has nothing to do with the validity of the Deed or anyone sending mail. I gave her the phone number of the county so she can confirm with the official records. The Deed is correct so there is nothing to correct.

  Customer Answer

  Date: 08/25/2022

  (The consumer indicated he/she DID NOT accept the response from the business.)
  They made a mistake by putting wrong mailing address on the deed. Resultant to this, we are losing official mail and at risk of losing legal documents in mail in future. We are already late on HOA payments because of this. It can give rise to legal liability in future. Since it is a mistake made by Excel Title, they need to correct it to reflect correct mailing address in the deed.

  Business Response

  Date: 09/19/2022

  The Deed is correct.  She should not receive any mail on the address on the body of the Deed.  The Deed is valid and I recommend they contact all State entities to confirm.

  Customer Answer

  Date: 09/20/2022

   
  Complaint: 17910029
  
  I am rejecting this response because:
  
  Mailing address listed in the deed (for ***** properties) by Excel title company was wrong. They had operating agreement & correct mailing address for ***** properties in their possession & still made this mistake. Least they can do is own up to their mistake & stop saying its correct.

  
  Sincerely,
  
  Amul Garg

  Business Response

  Date: 09/21/2022

  The Deed does not need to be corrected.  Please contact the State Of Florida directly so they can confirm.

  We will no longer be responding, this case is closed in our system.

  Customer Answer

  Date: 09/22/2022

   
  Complaint: 17910029
  
  I am rejecting this response because:
  
  the business needs to have decency yo accept their mistake!!

  
  Sincerely,
  
  Amul Garg