Consumer complaint received 2020-12-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was awarded the marital property in my divorce. I went to the title company to get all the paperwork they had on my house. There are so many refinances I filed a complaint because I did not sign any of the paperwork the title company has. Except for one! 
The day we closed on our home in XXXX. It seems my then husband had been a very busy guy, and shame on Wells Fargo for letting him refinance so many times. Wells Fargo did respond. They sent me what they had on file for my house. What Wells Fargo has and what the title company have do not match up. I have been working with a HUD counselor and she told me she cant even work anything out with my lender because Im not even on the latest loan he did. How is it, he can just take me off the loan without my knowledge? They sent me a copy of the latest modification, and they said they do not see any proof of fraud or any problems with any of the loans he took out. Well, there is several problems. Number one, the modification they sent to me doesnt even have the same notary as the title company! The notary on Wells Fargos copy of the modification signed and notarized it in XX/XX/XXXX, but we supposedly signed on XX/XX/XXXX? The title company has the exact same modification but it shows we supposedly signed on XX/XX/XXXX, and its a totally different notary. I was in XXXX when that was fraudulently signed, and I did not sign anything on XX/XX/XXXX either. Wells Fargo doesnt even show me on the deed to my own home from the paperwork they have when signed in XXXX. Of course Im on the deed. I have a copy of it from the title company. I also have deeds I DID NOT sign, and they show Wells Fargo as the lender? Wells Fargo doesnt see any problem or any sign of fraud or forgery? My home is in foreclosure and I cant even get help because my name isnt on the latest XXXX  XXXX he has pulled!!!??!? My home is going to be auctioned on XX/XX/XXXX if I cant get some help. I cant afford an attorney because someone has fraudulently taken money from my bank account, not once, but multiple times. My XXXX account was hacked, and so was everything else in my life. I have hired 2 separate law firms to help with a modification. Neither of them did anything for me but take my money. There is a thing called title insurance. Im pretty sure It is in place to protect my title? Has one person mentioned that to me? Of course not. The banks dont want to admit wrong doing, the title company doesnt want to admit wrong doing, and certainly, the notaries dont want to admit wrong doing. 
I am the victim in this situation, and I feel like it doesnt matter what someone does with another persons life. I have been robbed, my identity has been stolen, and I feel all my co concerns are spoken to deaf ears. He was court ordered to take care of any loans or Liens he had on the house and sign a quit claim. That was almost a rat ago. He has done nothing. Nothing but sit back and wait .. wait for me to lose my home so he can take it. There seem to be zero repercussion for any wrong doing for anyone! I work hard for everything I have ever had. And for someone to be able to just take my entire world from me, does not seem right. Isnt all of this called illegal??

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