Consumer complaint received 2015-03-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my common law wife passed away unexpectedly, I was devastated. She passed away intestate, but it was common knowledge amongst myself and her family her wishes were for our house to go to her son. I was virtually inoperable, It was just her and myself for 9 years XXXX in XXXX XXXX where we bought our house with a big down payment of I think {$70000.00} and financed about the same with a deed of trust through XXXX MORTGAGE, they sold it to WELLS FARGO HOME MORTGAGE, The current servicer. After my wife passed away I explained the situation since the title is in my wife 's name only. Since my wife and myself are not a licensed married couple they would share no information from me without proof. so I sent them her death certificate, pointed out that my name is also on the checks submitted to them for monthly payments, I.D . etc. showing I have a financial interest in the property. They rejected it, I asked if they would share information with her son if he sent a copy of I.D . and birth certificate. They said he needs something from the court.. He lives in Arizona. My wife, the decedent and I live in XXXX XXXX in the property in question. He is not easy to get hold of. He is the sole beneficiary of her life insurance and estate consisting of the home in question.. At this point I am the saddest I have been in my entire life, because of the loss of my beloved wife. On top of that I am feeling helpless because I have no idea what 's going on, I wanted verification and proof of standing from WELLS FARGO, because I found they have dealt fraudulently with many, many consumers. Meanwhile I am still in shock over my wife. I finally get ahold of her son. Says he will make a payment. I am prepared to do so also, in case he was n't going to. But, my wifes income ( retirement ) was our main source, Mine was supplemental, I am a XXXX in XXXX XXXX.I call the court for help, they ca n't give legal advice. I research and file a PETITION FOR ISSUANCE OF LETTERS OF ADMINISTRATION, since I was to be her personal representative in her will which we never endorsed or had notarized, so it was unacceptable.I made a mistake in the filing, they suggested I get a lawyer and have her son file the papers. Her son lives in Arizona does n't know what questions to ask and is difficult to contact.I do n't have money for a probate lawyer, her estate consists of XXXX piece of property with XXXX beneficiary uncontested by anyone, and supported by all family members. At this time her son became unreachable. I call WELLS FARGO to ask if a payment was made. They refused to tell me that or anything else regarding the mortgage. That was back in around XXXX or XXXX XX/XX/XXXX to the present ... I finally got letters of special administration in XXXX XX/XX/XXXX and the house is in foreclosure. Not knowing if the son was making payments, and not knowing if WELLS FARGO has legal standing to foreclose. WELLS FARGO ( current servicer, ), through XXXX XXXX XXXX ( not the original title co., I was not informed there was a different title co. the original was LAWYERS TITLE INSURANCE CORP. ) I do n't know if the original trust account was dissolved, if so when. I do n't even know the name of the trust account. WELLS FARGO knows my wife is deceased yet, they call the house asking for her, day after day. I hate having to tell people that my wife is dead. Do n't they make a note, or communicate to anyone at their company? I am going to mail them my LETTERS OF SPECIAL ADMINISTRATION, a second CERTIFICATE OF DEATH, MY QUALIFIED WRITTEN REQUEST, a COPY OF XXXX OF YOUR PUBLICATIONS DESCRIBING AN IDENTICAL SCENARIO TO MINE, AND A COVER LETTER. I do n't know what can be done at this point, and all the pain with not having my wife here makes mine an enormously stressful environment, which I am not understanding it 's necessity. Thank you

Company response to consumer: Closed with explanation