Consumer complaint received 2019-01-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, my mother, my grandmother, and I, assisted my mother with purchasing a home located in XXXX XXXX, Maryland. My grandmother passed away in XXXX. I purchased my own home in XXXX located in XXXX, Maryland. The loans for my home and my mothers home are currently serviced by Wells Fargo Bank. Unbeknownst to me, my mother stopped paying her mortgage from XX/XX/XXXX-XX/XX/XXXX ( when the economy took a turn for the worst ) and my credit was severely impacted as a result. My mother wanted to enter into a federal program for assistance with her loan and was instructed that I needed to sign loan documents in reference to her residence in XX/XX/XXXX. I spoke to SEVERAL representatives from Wells Fargo and informed them that I WOULD NOT sign as a co-borrower for my mothers residence. I advised them that I would like to be removed from the deed and the loan associated to the XXXX XXXX, Maryland, residence. I was advised by a Wells Fargo representative that the only way that I could be removed from both was by signing a Quit Claim Deed. I signed a Quit Claim Deed that was filed through Maryland court system in XX/XX/XXXX. I did not sign any loan documents and have not received any other documents related to my mothers property. I was told by a Wells Fargo representative in XX/XX/XXXX, that my mother was refinancing her property at the time I submitted the Quit Claim Deed. 

On XX/XX/XXXX, my mother contacted me and stated that Wells Fargo needed my signature on loan paperwork in reference to her home. I have contacted Wells Fargo several times since last week and have been notified of some alarming information. In XX/XX/XXXX, I completed a Quit Claim Deed as instructed by Wells Fargo mortgage representatives and was under the impression that I had been removed from the loan as well ( as I did not sign any documents in reference to a loan ). On XX/XX/XXXX, I was advised by a Wells Fargo mortgage representative that Wells Fargo had actually completed a LOAN MODIFICATION in XX/XX/XXXX to the original loan in reference to my mothers residence WITHOUT MY KNOWLEDGE and WITHOUT ACQUIRING MY SIGNATURE on any of the loan documents. Several representatives have confirmed that my signature is NOT located on any of the documents signed in XX/XX/XXXX. After advising the representative how ILLEGAL it was to have a mortgage document approved without my knowledge, permission, or signature, I was advised that Well Fargo has since changed this past practice/policy.

Since my communication with Wells Fargo mortgage representatives last week, I was advised several things. Initially, I was told by a representative that my signature was on the loan paperwork signed in XX/XX/XXXX. I requested copies of the documents which were never presented to me. I instructed the representative that my signature was forged if he was reviewing a loan document in reference to my mothers property that contained my signature. I was later advised that my signature was not on the document. I was also instructed that they did not need my signature when the changes were made in XX/XX/XXXX. I advised the representative that that also was illegal because Wells Fargo representatives in XX/XX/XXXX were aware that I REFUSED to sign ANY LOAN DOCUMENT pertaining to my mothers residence. 

Wells Fargo Bank modified the loan for my mothers residence in XX/XX/XXXX and kept me listed as a co-borrower on the loan without my permission. I do not reside at my mothers residence and do not receive any information pertaining to her home. I was not aware that I was still listed on her loan until last week ( XX/XX/XXXX ). I did what Wells Fargo representatives instructed me to do in XX/XX/XXXX and completed a Quit Claim Deed. I was told by Wells Fargo representative that I would be removed from the Deed and the loan which was a lie. I later learned that Wells Fargo had me complete a Quit Claim Deed to remove me from the Deed and circumvent the requirement for my signature. 

Wells Fargo has a copy of all of the paperwork associated with this case. I do not have copies of the loan documents that were signed in XX/XX/XXXX. I have a copy of the Quit Claim Deed, but I am aware that Wells Fargo already has a copy of that document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation