Consumer complaint received 2019-03-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I signed for a home loan with my mother ( XXXX XXXX XXXX ) and grandmother ( XXXX XXXX ( deceased ) ) in XXXX for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. My mother has always been responsible for mortgage payments for that home because that is where she resides. I purchased my own home in XXXX. My mother experienced financial hardship and, unbeknownst to me, stopped paying her mortgage for over 2 years. I was notified in XXXX by Wells Fargo Bank ( who currently services my home loan ) about this situation and was extremely upset. Wells Fargo employees instructed me that my mother was attempting to modify her home loan and needed my signature on the modification paperwork to do so. I informed Wells Fargo employees that I WOULD NOT consent to signing a modification and advised them that my mother needed to refinance her property in order to remove me from her home loan. Wells Fargo employees instructed me to sign a Quit Claim Deed and advised me that I would be removed from the deed of my mother 's home and the loan ( deed of trust ) for my mother 's residence ( above referenced property ). I signed a Quit Claim Deed in XXXX. I learned in XX/XX/XXXX that Wells Fargo actually modified my mother 's original loan without my knowledge, consent, or signature in XXXX. I was not aware of any of this until XX/XX/XXXX and have never received any documentation pertaining to the loan on my mother 's residence. I have been a homeowner since XXXX and have not lived at my mother 's residence since about XXXX. After repeatedly questioning them, I learned that Wells Fargo employees instructed me to sign a Quit Claim Deed in XXXX because that actually ONLY removed me from the deed and NOT the deed of trust. Since I adamantly REFUSED to sign a loan modification in reference to the property listed above in XXXX, Wells Fargo employees used deceitful tactics to have me removed from the deed of the property. Wells Fargo then processed a loan modification without my knowledge in XXXX. In XX/XX/XXXX, Wells Fargo employees acted as if they had a document with my signature on it from XXXX. I informed them several times that my signature was forged if they have any modification document from XXXX containing my signature. I later learned that they DID NOT have modification paperwork from XXXX containing my signature. I was informed in XX/XX/XXXX by Wells Fargo employees that " they were not required to have my signature on the loan modification in XXXX. '' I repeatedly advised that this was illegal. I was informed that this practice was " ok '' back in XXXX but advised that this practice " has since changed '' and that they require signatures from everyone listed on the loan. I have since obtained a copy of the paperwork and will be attaching it to this complaint.

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