Consumer complaint received 2018-06-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
It has been a few years now that Im struggling with Wells Fargo to fix my loan. Two years in the contract I asked them to send me a copy of the deed. They couldnt find it ; instead of acknowledging their misstep they kept on lying to me and sending me other papers. Later, the property was put on foreclosure because the seller bank couldnt get their money. Still Wells Fargo kept on fueling me with their lies, and investors kept on calling me to buy the property. They tried to cover up the issue by forcing a refinancing on me, which would have added more problems to my case. 
I had to hire an attorney, XXXX XXXX XXXX XXXX to handle the matter. Thanks to him, the deed was recorded. Again, investors continued harassing me to buy the property. Wells Fargo once again couldnt figure out what was going on. Once again, XXXX XXXX was able to determine it was the mortgage satisfaction that needed to register to finalize the mortgage issue. My attorney and I had to clear up the mess created by some incompetent employees of Wells Fargo. 
I can not believe Wells Fargo are complaining they incurred some loss as well and will not compensate me. First, I shouldnt have gone through this ordeal, and nobody should! The bank supposed to hire knowledgeable people to do the work, and staff to supervise their employees. It is their responsibility to make sure that my loan is correct not me to fix it. Second, without my intervention, the property would have gone to foreclosure and Wells Fargo would have to pay me and therefore they would have registered a big loss. I dont see what they are complaining about. 
Wells Fargo promised to pay the legal fees. I think its the right thing. They said it on their advertisement they want to make it right to their customers. I am one of the customers, yes, one of the loyal ones. My mortgage is still with them. I can not go anywhere because I am the biggest loser. I lost the opportunity to refinance at a low rate. Wells Fargo will not fix my loan despite many requests. 
Wells Fargo refused to pay the water bills. I can not honor my debt to XXXX because Wells Fargo recorded the deed, and therefore the bill was still under the previous owner. If they did pay even after the recording, things would have settled, but they kept blaming me. 
I just received a letter from Wells Fargo stating that " XXXX XXXX continued ( with the water bill ) as if the property were deeded to me until she was advised of the foreclosure and then reached out to us to rectify the foreclosure issue. We have rectified the foreclosure issue and also provided a Settlement Agreement offer of {$30000.00} which we believe is sufficient. '' I had a mortgage with Wells Fargo ; they suppose to protect my investment in their company, the same way I did for them when I notified them of the foreclosure. If I did let it fly, they would have reimbursed me. Period! They just don't get or they don't want to acknowledge it. I enclosed a bill that showed the name of XXXX XXXX, the previous owner, and without paying that amount, a late fees of {$77.00} and more incur every quarter. Pay the late fees and the last bill on the name of XXXX XXXX, and also pay the legal fees as promised and then settle with me with an offer because I suffered through this ordeal and I am still suffering to get this fixed.

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 monetary relief