LAWYERS TITLE OF CINCINNATI, INC.

Company Details

Name:	LAWYERS TITLE OF CINCINNATI, INC.
Legal type:	Foreign Corporation
Status:	Active
Standing:	Good
Profit or Non-Profit:	Profit
File Date:	25 Feb 2010 (15 years ago)
Authority Date:	25 Feb 2010 (15 years ago)
Last Annual Report:	06 Mar 2024 (a year ago)
Organization Number:	0757402
Industry:	Insurance Agents, Brokers and Service
Number of Employees:	Small (0-19)
Principal Office:	3500 RED BANK ROAD, CINCINNATI, OH 45227
Place of Formation:	OHIO

Registered Agent

Name	Role
SIBCY CLINE TITLE AGENCY, LLC	Registered Agent

President

Name	Role
Timothy D Griffin	President

Secretary

Name	Role
Diane C. Bedinghaus	Secretary

Vice President

Name	Role
Michael C Fletcher	Vice President

Filings

Name	File Date
Registered Agent name/address change	2024-10-28
Annual Report	2024-03-06
Annual Report	2023-05-01
Annual Report	2022-03-28
Annual Report	2021-08-30
Annual Report	2020-02-13
Annual Report	2019-04-23
Annual Report	2018-04-26
Annual Report	2017-04-25
Annual Report	2016-03-24
Annual Report	2015-04-28
Annual Report	2014-02-06
Annual Report	2013-02-04
Annual Report	2012-06-25
Annual Report	2011-02-10
Application for Certificate of Authority(Corp)	2010-02-25

CFPB Complaint

Complaint Id

Date Received

Issue

Product

2879118

2018-04-18

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	Lawyers Title of Cincinnati, Inc.
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2018-04-18
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2018-05-24
Company Public Response	Company believes it acted appropriately as authorized by contract or law
Complaint What Happened	In this case this scenario involves both our Lender, XXXX XXXX which we filed a complaint about separately and this complaint involves the other party, the closing agent on our mortgage Lawyers Title of Cincinnati Inc. The lender failed to make a good faith disclosure of the real estate taxes which would be part of our financial obligations in purchasing the property and repaying the loan. Properly create a new escrow account by failing to estimate disbursement amounts using reasonable judgment based on information reasonably available or known to it. The amount of real estate taxes which we, as purchasers and borrowers, would be obligated to pay upon closing was a readily known amount. The tax could have been easily determined at the time of the initial loan disclosure and certainly by the time of closing/settlement by a simple check of the public record by the settlement agent or the lender. The amount is determined by multiplying the sale price of the home ( which was known by Lender ) by the applicable tax rate, which is public record. Under Kentucky law and based upon information readily available in the public records of XXXX County, Kentucky, the real estate taxes which should have been disclosed to us totaled {$8500.00}, but the settlement agent and the lender reported the taxes as only {$4100.00}. They simply stated the taxes paid by the PRIOR owner, which under Kentucky tax law is not a justifiable, reasonable, or good faith statement of the taxes which we would be paying or in compliance with federal regulations [ Regulation X 1024.17 ( 7 ) and Regulation Z 1026.39 ( g ) ( 3 ) ] The Lender and the settlement agents negligence or failure to comply with federal regulations resulted in a drastic shortage in the escrow account and has caused us a great deal of financial hardship. Had we been informed by the initial disclosure of what the taxes would be and therefore the escrow amount, we could have shopped around more and perhaps found a lender with a lower rate or lower closing costs. The closing agent ( Lawyers Title of Cincinnati Inc. ) failed to accurately disclose the taxes that you would be paying and which would be used to calculate your escrow account
Consumer Consent Provided	Consent provided

Sources: Kentucky Secretary of State