Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo altered the Title Vesting and put a Cloud on the chain of Ownership by FRAUD and refuse to correct their fraudulent behavior. 

1 ) XX/XX/XXXX Refinance Documents : All Documents were Initialed, Signed, and Notarized by Borrowers ( Customers ) and Notary and accepted by XXXX XXXX. They included the preliminary ( approved on XX/XX/XXXX ) Loan Information and Vesting Instructions of Title as required for a XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Documents requested Vesting of Title Change by Borrowers ( Customers ) for 1 ) Estate Reasons 2 ) Title Requirements ( XXXX Deed was an accommodation Deed and could not be re-used ) Customers were myself, XXXX, and my XXXX  ( over XXXX ) Parents. Wells Fargo was aware of the XXXX and Elder situation and appears to have been abusive by taking advantage of the situation, 2 ) Upon completion of documents, yet prior to Recording Documents with the XXXX XXXX XXXX Recorder, XXXX XXXX sent said documents to XXXX XXXX of Wells Fargo in an out of state location ( Arizona ) 3 )  Wells Fargo sent Documents they ALTERED to the XXXX XXXX XXXX Recorder. The Alterations do not agree with the referenced documents in the Notarized and Recorded Document, They do not agree with what was approved by XXXX XXXX XXXX. They put a cloud on Ownership chain and on title. 
4 ) TO COVER UP THEIR FRAUD, Wells Fargo sent the Recorded Documents to themselves in Minnesota, rather than the Buyer and left all documents regarding the transaction in the two names that would have been vested on Title. The also sent, when the loan was paid in full, the reconveyance letter to Florida where It did not belong. ( I received a Reconveyence for a Florida Home and I do not have Florida property ) When I discovered the error ( Taxes and XXXX  ) I contacted Wells Fargo and noted their error and they stated, they didnt care if they serviced the loan incorrectly since I paid it off. 
Eventually they reviewed it and stated they always pocket the money for a Title Change and leave the Title the way it is since Title only matters to the Owner. 
They review documents and refer to XXXX Documents that they can not use, yet Wells Fargo has a new and more bizarre excuse each time. 

The fact : I paid to have the Title Vested one way. My XXXX Parents and I Signed the Documents, had them notarized and submitted them to vest it that way. The Loan was contingent on the home being Vested ( Title Held ) the way the Customers signed and had it notarized by Federal Law. 

Wells Fargo altered the Vesting that was used to obtain funds. Wells Fargo broke Federal Banking Laws. Wells Fargo also altered Notarized Legal Documents and they have no signed nor referenced documentation as to why in the documents they Recorded with XXXX XXXX XXXX. They also have no signed, acknowledged, notarized, or initialed documents allowing their alterations. 

Wells Fargo altered the Title Vesting and put a Cloud on Ownership Chain by FRAUD and they refuse to correct their fraud.

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