ComplaintsforFlagship Title of Tampa, LLP

• Initial Complaint

  07/19/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On June 9th 2023, I closed on my home and part of the closing required me to pay off several credit cards. It is now, almost two months later and three of my credit cards have not been paid. Flagship Title has never contacted me to advise these three payments have not been made, in fact I had to contact them. I have contacted them twice by email, 4 times by phone and once in person and all I am getting is the run around. For 2 of the credit cards they gave me one consolidated check to pay for 2 accounts and the credit card company wants 2 separate checks (one for each account) as for the third credit card account, ********* claims that the payee (macys) has cashed the check, and the payee has told them that they will not apply the payment to my account until the full credit card number is provided. I have called the credit card company and they have not received any payment from Flagship. Flagship claimed that ****** told them if I give them the full account number, ****** will apply the payment to my account. If ********************** mailed payment coupon with the payment how com ****** doesn't already know that the payment is for my account? ********************** claims the check was cashed on 6/26/23 and I have asked for a copy of this canceled check however they cannot produce the canceled check. Although I am making the payments interest is accruing daily on this account and I will now owe more than the original balance. I want the canceled check for ****** ASAP or I want Firstflag to issue another check and mail it to me so that I can pay the payee directly. I also want 2 separate checks for ***'s Club to pay 2 spereate accounts, since they will not accept once consolidated check.

  Business response

  07/19/2023

  Within one business day of closing on June 9, 2023 all checks were processed and mailed with the documentation provided by you and your lender to the requested credit card companies. Our full responsibility was fulfilled at that time. We do not have access to your creditors to follow up and insure that your payments have posted to your accounts. As soon as we were made aware of the rejected payments, we contacted you.

  One check was returned to us from ***'s Club on July 5th, requesting the full account number for the amounts to post. This check represented two accounts and it had been combined into a single check at your request. It has now come to our attention that ***'s Club wants two checks, for the two separate accounts and the full account numbers in order to accept the payment. Please provide this information to us as soon as possible and allow us to resubmit these monies. I have two checks ready to be mailed, pending the RECEIPT OF THE FULL ACCOUNT NUMBERS.

  The second check was sent to **************** and deposited by them on June 20, 2023. I have uploaded the cancelled check into the Qualia Connect portal for security. As you have been notified, they sent us a correspondence advising us that they need your FULL ACCOUNT NUMBER in order to post the payment to your account. You advised us on July 18, 2023 that you would call this morning and provide us that information. We would then complete the form letter that ****** sent us for you and return it to them, and they would then post the monies to your account. We are still waiting for your call.

  In summary, both creditors are requesting us to provide them with their FULL ACCOUNT NUMBER to apply the payments to your accounts. We were never provided THE FULL ACCOUNT NUMBERS. The documentation we were provided had a truncated account numbers. This can be simply resolved as soon as you provide us with the FULL ACCOUNT NUMBERS for all three accounts.

  We look forward to hearing back from you as quickly as possible. As you said, the interest is accruing every day that goes by. Thank you.

  Customer response

  07/24/2023

   
  Complaint: 20342228
  
  I am rejecting this response because: I want to ensure that the payments to the 3 credit cards have posted to my accounts. This company has NEVER REACHED OUT to me to tell me there was as in issue the 3 payments nor did they EVER advise that they needed additional information. I was the one that chased them down, in fact I have reached out to this company no less than 5 times and got zero traction until I filed this complaint. Once the payments have been successfully applied to my accounts the complaint can be closed.
  
  Sincerely,
  
  *******************************

  Business response

  07/26/2023

  I can appreciate that you want to be assured that your credit card payments have been posted to your account. As previously communicated to you, we do not have the authorization to communicate with your credit card companies. This is a task only you can complete. Your credit card companies have no responsibility to notify us of any issue, only you. You would have been advised well in advance of us. We reached out to you as soon as we were notified that the payments had not been posted, and you talked with at least two individuals in our office before filing this complaint. You were advised at that time that the credit card companies were requesting the full account number to process the payment. Now that you have provided that, they should have no problem with processing your payments. Feel free to reach back out to us if there is anything further that we can do to assist you, but I believe we have done all that we can.

  Customer response

  07/26/2023

   
  Complaint: 20342228
  
  I am rejecting this response because: NO ONE FROM FLAGSHIP EVER REACHED OUT TO ME NEVER!!!! So why should I trust that this is resolved. I am the one that initiated all of the queries to Flagship in reference to the 3 missing payments. I was told "the check was returned" no wait " it was cashed" oh no hmm "let me reach out the main office" etc. Oh wait I have one better come to the office and pick up a new check for ***'s Club which I did on 7/5/2023. I took the check to ***'s Club to pay the bill and the check was REJECTED!!!  The amount of the check is more than the credit line for one of the 2 accounts and the other account has a ZERO balance so it could not be applied to either ***'s Club account.

  Please note that the credit card companies will not reach out to me as evidenced by the letter from CITIBANK for the payment to Macy*s that you attached to the complaint.  That letter was addressed to Flagship not *******************************. The credit card companies will only reach out the the person / entity that sent the CHECK and that would be Flagship. Citibank notified Flagship on 6/26/23, (over a month ago) and Flagship did not communicate that to me until I filed this complaint.  Don't you think if the credit card companies knew to reach out to me, they would have known who's account the payment was for and what account to post the payments to!!!

  See the evidence for yourself my name is nowhere on these checks. So how will the credit card companies know to reach out to me? 

  I have provided the 3 missing account numbers 6 days ago and per your email the payments were to be resent that day. As of this email nothing has posted to any of the accounts.

  I don't want to go back and forth on the FACTS. 
  
  Sincerely,
  
  *******************************

  Business response

  07/26/2023

  ********* -

  We are going to agree to disagree at this point.

  Timeline of events with Flagship Title:

  You provided the account numbers at 12:48 pm on July 20, 2023.

  The mail had already been picked up for that day, therefore they didn't get picked up until Friday, July 21, 2023.

  The ********** checks were sent via priority mail, for a two BUSINESS day delivery. Therefore, they would have been delivered, at the earliest, yesterday. 

  Macy's/Citi had cashed the check we sent them, but there were unable to apply it to your account due to lack of the full account number. To expedite the posting, we faxed the account number to them on the form they provided us the same day you provided it. See attached proof.

  Again, I would suggest that you reach out to your creditor and inquire what your expectation should be for posting your payment. I'm sure they can assist you.

  Customer response

  08/02/2023

   
  Complaint: 20342228
  
  I am rejecting this response because: Thanks for the letter for ******. That payment still has not posted and I have called Citibank several time and they have not been able to move forward as the payment is not from me. This is a total cluster.

  It's nearly 2 weeks now and only one ***'s club check has posted, and that is the one for $1,994.05.

  Has the check for the other ***'s account been cashed? ************** has no record of the payment for 559.39.

  Below is the chat with ***'s on the check for $559.39

  Welcome to ***'s Club Consumer Credit Card Live Chat. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily.
  J
  Hello *********. Thank you and I appreciate you taking the time to chat with us. I'm ****, a live representative.
  J
  We need to wait for our system to load the details of your account and read your inquiry with our virtual assistant ******. Please bear with me, I'll get back with you as soon as possible, allow me maximum of 2 to 3 minutes.
  hi sure
  
  J
  Thank you for waiting. Our records show that the $559.39 scheduled for 06/05/2023 with a confirmation #********** was successfully received and posted on the account. This had paid the account off at that time.
  That is not the payment i am referring to.
  
  sorry
  
  there was one mailed in on ****/23
  
  on July 24th
  
  J
  I am sorry if you are seeing asterisk. The numbers are masked for security purposes, but once your message is delivered, I'm able to see it on my end. My apologies for the confusion.
  ok thanks
  
  J
  My sincere apologies as we do not see this payment pending or received yet.
  J
  May I know how was this payment sent?
  was sent overnight by Flagship
  
  they also sent a payment to my other **** account that has already posted
  
  J
  My sincere apologies as we do not see any notification of this payment yet.
  J
  Has the payment cleared from your bank?
  its not my check
  
  it was the closing company
  
  i purchased a house and the closing company mailed a check
  
  J
  I am sorry that you have gone through this kind of inconvenience.
  J
  Since it was processed by them, we do not have a way to track it.
  J
  In order for this to be resolved, I would highly suggest to speak with them regarding it's actual status.
  J
  On our end, I am sorry to inform you that no payment was received yet.
  J
  I apologize for the inconvenience it has caused you.
  ok thanks so much
  
  J
  I wish I could've resolved this for you right now. However, this is beyond my control.
  J
  Thank you so much for being understanding.
  understood
  
  thanks much

  
  Sincerely,
  
  *******************************

• Initial Complaint

  05/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I bought my condo ***** ******* ******* DR, XXXXX) on July of 2021 and when I received my property tax bill on March of 2022, It shows the previous owner did not pay the property tax of 2020. 3/9/22, I contacted/ emailed Flagship title as the responsible closing company and Christine P****, the branch manager replied back that they will contact the previous owner to pay it. 3/25/22, Nothing took place! I reached out to them again. Christine emailed me back saying: "if the previous owner don't pay it by the end of next week, we will be going ahead and paying them" 4/30/22 Nothing took place. I emailed them and no response. 5/9/22 I called Christine about the issue and she assured me that she will send the payment and email me a copy of the check no later than Tuesday 5/10/22. It has been over 2 months and this issue has not been solved.

  Business response

  06/06/2022

  Business Response /* (1000, 6, 2022/05/19) */ Mr. ********: Thank you for bringing this to our attention. We apologize that are dissatisfied with the response you received from the Escrow Agent assigned to your file. In checking the status of your file as of today, I see that the amount due has been sent to the Tax Collector's office. However, it is possible that the amount has not been processed and cleared through the Tax Collector yet. We will follow up with their office and confirm the are in receipt and it is posted to your account as soon as possible.

• Initial Complaint

  03/31/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Flagship Title of Tampa does not respond to their emails in an efficient manner, only through their portal. As a client you should have an initial Closing Statement about a week before closing. The Closing Statement was sent on March 28, 2022, less than 20 hours before the proposed closing time. They sent an additional revised Closing Statement, 10 minutes after I used their online notary. This is unacceptable, they didn't look at their emails to verify that the Online Notary moved their time availability to 10:00 am, versus the initial 12:30 pm request. Then a revised Closing Statement was sent which was for $995 more than the day before, completely their mistake for not initially including it in their first Closing Statement, I called and messaged them to remove it, as I already started signing the documents. They refused, and the only way to close was to pay this fee. I'm reporting them due to their un-professionalism, un-ethical behavior, un-organizational skills, and rudeness over the phone. I highly recommend that you do NOT use their services.

  Business response

  04/21/2022

  Business Response /* (1000, 5, 2022/04/01) */ Thank you for sharing your concerns Mr. *****. I reviewed the communications for your transaction in our portal and I was unable to locate any emails that were sent by you that were not responded to in a reasonable time frame. I can assure you that we make every reasonable effort to reply to each and every email we receive as quickly as possible. Unfortunately, we were not able to produce the closing statement early. The processing of the file was not complete to insure that it was clear before it was transferred into your name. Our diligence is what insures the property is clear before you take possession of any issues that could cause you concerns in the future. I hope that you appreciate us insuring that this is completed thoroughly. With regard to the additional fee for your transaction. We were not aware that this fee was to be collected until the agents review of the closing statement. It was at that time it was confirmed it was to be collected. We received a copy of the document you signed on 03/02/22 acknowledging your agreement to pay this fee. As it was not our fee, we were in no position to authorize it's removal. However, we were able to offer you a credit for the 'additional' wire that you stated you would have to send. However, I see that you were able to send it all in one however; saving that additional cost and gaining that credit from us. If we can be of further service, please feel free to reach out to discuss any additional concerns you *** have.

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