Consumer complaint received 2019-08-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX My husband and I met with Wells Fargo to sign loan papers so we could buy our home. I was then asked by the lending officer to sign a quit claim deed or my husband could not purchase the house. I refused at first because it was very upsetting, but when the loan officer stated again we wouldn't get the house, I then signed the quit claim deed and I left the office while my husband stayed and finished more paperwork so we could pick up the keys that week. 
Later that week we moved in. 

XX/XX/XXXX My husband died XX/XX/XXXX Signed Power of Attorney papers because Probate Lawyer said that every lawyer in America will ask me to sign these papers due to clients going M.I.A. after death of loved one, that signing these papers would give permission to act in my best interest and protect me from financial harm from others or from myself. So I signed and gave her {$5000.00} check. 

XX/XX/XXXX Set aside estate without administration order was granted in Probate Court. 

XX/XX/XXXX In proper person, I handed over my husband 's death certificate not once but at least 3x. As each time they said they did not receive it by mail, I was then told by the banks manager that I needed to get special administration papers in order to see my husband 's banking information. So I called my probate lawyer and she said it would cost {$7000.00} for these papers, I then told her I would get her the money as soon as I could get into his account. 

XX/XX/XXXX Received Court order that special administration papers were granted. 
Took order and death certificate to Wells Fargo. Bank manager looked at them and said " Special Administration Papers ''? " Not from your Attorney! From our Attorney! '' At that point I was done. I went home and went on my husband 's computer and saw there was an account with {$10000.00} that was what I thought savings. And with one click of the mouse I transfered the {$10000.00} into his Wells Fargo Checking. Within 30days I received a letter stating if I did not pay it back I was going to loose my home. 

XX/XX/XXXX Received letter from Wells Fargo that foreclosure was taking place. 

XX/XX/XXXX XXXX XXXX XXXX contacted me by phone and offered to start bankruptcy for free. In order to save my home. 

XX/XX/XXXX Bankruptcy was thrown out due to me not paying court costs. I was told I wouldn't have to by XXXX XXXX XXXX. 

XX/XX/XXXX XXXX contacted me and offered me {$1000.00} cash for keys. 

XX/XX/XXXX I turned over my keys to my home to XXXX for {$1000.00}. 

XXXX New Bankruptcy. 

XXXX Started looking for answers to why I wasn't protected like my lawyer said I would be. 

I called my probate attorney and asked her if she protected me and she said no. 
I then asked her how it was legal for Wells Fargo to take my house, her reply " that's neither here nor there '' it's gone. 
I've contacted numerous lawyer 's with not one call back. So I'm asking you CFPB help me please. I have been in and out of homelessness since my home was foreclosed and I did go m.i.a. as I couldn't handle anymore after trying to save my home, then the loss of both my parents. I'm no longer incompetent and I need answers. The papers that were recorded in my county states my husband and national default sold my home to XXXX XXXX as trustee for XXXX  XXXX trust. If my husband sold it where is the {$210000.00} payment that XXXX XXXX  as trustee for XXXX XXXX trust at? 
When the order to set aside estate without administration was issued, was I suppose to file affidavit of entitlement in county recorders office? Can I still file it? 
Robo signing illegal? 
XXXX XXXX trust class action lawsuits involve me and can I recover damages from anyone regarding the loss of my home? 
Does Bankruptcy automatically add me to class action lawsuits if any? 
Can I legally file affidavit of entitlement now that I just learned all that has taken place? 
How can Wells Fargo have me sign quit claim without disclosing home equity line to me if husband dies. 
How can Attorney for Wells Fargo work for XXXX XXXX and sell my house to anyone? 
Again my question is if the selling of my home was illegal and there was indeed mortgage fraud then wouldn't the person who legally holds title be my husband therefore making me heir? 
Thank You, Sincerely disgusted in XXXX County Nevada

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