I test Notaries by phone daily to see if they are fit to be on my site. The results of the testing are that I have to accept people who shouldn’t be Notaries just because I’m desperate for people in certain remote areas. However, bad Notarial record keeping is not only a headache for me during testing. It is dangerous for society and for the Notary as well. Failing to keep thumbprints makes it impossible for the FBI to catch identity thieves. ID’s can be falsified, so without hard evidence like a thumbprint, you cannot catch the bad guys. However, there’s more.
When the FBI interviews a Notary during an identity fraud case, the Notary is considered a suspect. After all, they were involved in the transaction. You might not think of yourself as a suspect, but the Feds do, because it would be easy for you to be involved, especially if you don’t keep your books correctly.
If your books are filled out with one journal entry per person per document, and each entry is signed and with a thumbprint — that is thorough bookkeeping. Less than 10% of Notaries nationwide keep their journal completely correctly. Here are some ways you could make yourself look more suspicious and perhaps end up in court for a long time.
1. If you put multiple documents in each journal entry, the signer or FBI could claim that you added extra documents AFTER the signing to defraud the signer. You cannot prove that you did not add those documents after the signing, so your hands are tied. This is why you have the signed sign off for each document which you cannot do unless there is a separate journal entry for each document.
2. If you put “loan docs” in a journal entry without specifying the exact names of the loan documents in separate journal entries, you could be accused of forging signatures on additional documents. Since you didn’t record which exact documents you notarized, you could claim anything and there is no evidence one way or the other to prove your innocence.
3. If you use one journal entry for more than one signer you create a mess as multiple signers would have to sign a journal entry where their ID information probably would not fit.
4. If you simply do not keep a journal as it is not required by law in your state you could be easily considered a suspect in identity theft and would have zero evidence to prove your innocence.
5. If you keep proper journal entries, but refuse to thumbprint the signer on a Deed or Power of Attorney (serious documents that affect people’s lives and property) you could be accused of concealing the signer’s true identity if they used a false identification card forged in China ($200 market price by the way.)
6. If you think an ID is the real person because the ID looks like him. Consider that in Iraq, ISIS kills people and sells their passports to other people who look similar for about 1200 Euros.
7. There are corrupt people at the DMV who make falsified driver’s licenses which look real because they are real, but with falsified information. Those bad people normally get caught eventually, but have a good run for a while creating all types of chaos in society. Many were charging $500 for a false ID so I heard.
If you keep proper journal entries and thumbprints, it will be more clear to investigators and judges that you take identifying signers very seriously and cover your tracks in case there is any hanky panky. ID’s can be forged, but you cannot forge a thumbprint unless you wear a latex pad on your thumb with someone else’s prints which the Notary would easily detect. Cover your tracks, and your court cases will be dismissed faster based on the experiences of the Notaries on our site!
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You might also like:
Compilation of posts about Notary fraud
http://blog.123notary.com/?p=21527
10 risks to being a Mobile Notary Public
http://blog.123notary.com/?p=19459
What entities might want to see your journal?
http://blog.123notary.com/?p=20902
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Things that get notaries complaints
Things that get notaries complaints
Complaints are taken seriously at 123notary.com. None of the notaries on board have voiced an opinion supporting our review system which allows browsers to post legitimate complaints about notaries. Many notaries on board feel that they have a license to cause trouble, and that I have no right to ask questions or do anything about it since they pay us for advertising. Many notaries want the right to harm others without being held accountable. My point of view is that if you cause misconduct while on our site, ITS MY BUSINESS, and you will be held accountable.
I want to take a positive approach to this problem and let the notaries know what the common things that go wrong are, so that you can avoid getting a complaint in the first place. I’m going to list types of complaints in order of how frequently they come up.
(1) Rudeness
Of all the complaints we have gotten, the largest category was rudeness which includes using bad words, hostility, hanging up on people, rude tones of voice, antagonism, harrassment, and threats. If a signing company doesn’t treat you the way you like, DON’T WORK FOR THEM. Don’t threaten to use their fedex account. Don’t threaten to put a lien on the borrowers house if you don’t get paid. Don’t withold a borrower’s documents until you get paid. Have a policy for what you accept from others. If others violate your terms, then stop dealing with them. Period!
(2) No Show no call
It amazes me that notaries think they can completely blow off a signing without even calling. Then, the excuses notaries give remind me of being a substitute teacher in eighth grade. The excuses are clevely worded so that you will feel guilty for asking them any more questions. Heartbreaking stories, grueling conditions, family crisises, and earthshaking emergencies. Many of these excuses are true, but there is no way to verify, because not once have I ever been offered a scan of a document that proves someone’s argument one way or the other. If you are offered a signing and you can’t make it, call at least two hours in advance. If you are having a family emergency, in a snow storm, in WW3, in a flood, or are almost dead, you better call otherwise you will get a complaint, and I am not too interested in the excuses.
(3) Notary Mistakes
Many notaries make mistakes. The good notaries triple check their work and are willing to go back if they made even one small mistake. But, not all notaries are good notaries. Many will be unwilling to go back to an appointment a second time to fix what they did wrong. If you make a mistake, fix it whether you get paid to or not, otherwise you will lose clients and get complaints.
(4) Failure to return calls or emails after a signing
This is another type of problem that people have every conceivable type of excuse for. Personally, when I’m on vacation, I answer emails. I had a vacation where I slept in my car, slept in a tent, and couldn’t find an internet cafe for half a day. I kept looking until I found it and answered as many emails as I could. Signing agents will go on vacation, or say they did, and use that as an excuse not to return phone calls or emails. I won’t accept this as an excuse. You have to be available up to 48 hours after a job is done in case there is a problem, and the problem could very well be the fault of the title company, but you still have to be available. No excuses.
(5) Slandering or sabotaging companies you work for
One notary said that the terms of the loan were not good. Another tried to sell the borrower a modification right at the signing. A third threatened to use the lender’s Fedex account # because she said she didn’t get paid enough. Another one sent porno spam to us and others.
(6) Other types of misconduct.
Some notaries just cause a lot of various types of trouble. Others are unwilling to fix mistakes they made. Once in a while a signer will outsource jobs to another signer and then not pay them. Last minute cancellations are completely unacceptable unless there is a documented health emergency or other type of uncontrollable circumstances. One notary has a habit of double booking appointments and then trying to reschedule them at the last minute. Two notaries walked out of an appointment. One had a family emergency and flaked. He forgot to even tell the borrowers who were in the other room that he was going to the hospital.
The moral of the story is to avoid all of these problems by being very careful to go to all your appointments, be polite even if others are not polite to you, and do a good follow up after the job is done. I’m personally tired of all the complaints, excuses, the dramas, and irresponsibility. We want good notaries on 123notary, and for the most part, the notaries on board are excellent. We do not want a few bad apples to cause a bad reputation for the others.
Tweets:
(1) Many notaries feel that since they pay us for advertising, we’ve no right to post bad reviews on their profile.
(2) Many notaries are rude to signing companies who manipulate them. Don’t be rude! Just don’t work for them.
(3) Many notaries just don’t answer their phone or email after a signing which can cause a nightmare.
You might also like:
Florida Notaries with complaints
http://blog.123notary.com/?p=1870
A list of things that rude notaries do
http://blog.123notary.com/?p=2198
Bad notary reviews and the law on the internet
http://blog.123notary.com/?p=18866
13 ways to get sued as a notary
http://blog.123notary.com/?p=19614