Consumer complaint received 2020-08-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was recently awarded the marital residence in my divorce. I went to the title company to get all records on my house. It seems my now ex husband has been refinancing and taking out home equity loans without my knowledge. He refinanced many times, and on XX/XX/XXXX he refinanced and got my name off the loan. So, although I am on the deed and title the servicing company for the loan wont even talk to me because Im not on the loan! He was court ordered to pay any liens or loans off I was unaware of. He has done nothing! He was court ordered to do a quit claim deed. Again, the rules dont apply to him apparently. He did a change of address and I no longer received any statements to pay the mortgage. He drained my bank account, then put 4 statements in my mailbox with a note telling me I better figure out a way to pay or i would lose my home. Knowing I couldnt pay 4 payments because he took all the money I had. He was court ordered to help catch up the payments and give me money to help with a loan modification attorney as the house went into foreclosure. My divorce was final XX/XX/XXXX, and my house was going up for auction at the end of XXXX. He didnt give me any money at all til mid XXXX knowing it would be too late for me to save my home. My sister helped me hire a law firm. I had to file emergency bankruptcy in order to not lose my house. I filed on a Monday and my house was due to be auctioned on Wednesday. I got my case number an hour before the auction. Since COVID I have struggled because I am a XXXX XXXX XXXX  and my XXXX was XXXX down for 2 months. I cant even get any sort of help with my house because Im not on the loan!!! Wells Fargo should be ashamed. Letting him refinance refinance refinance! We built our home in XXXX. He was borrowing before we were even done building it! I had no idea! Every year since then he has done something with the house. Always with Wells Fargo Home Mortgage! My signature was forged on documents, and in XXXX, just one of several modifications he did, I have proof the notary signed and notarized without me being present. But, my signature is there. I know her personally, and when I questioned her she denied doing it. Saying it was fraud. Yeah, fraud on her part for sure! When the detective from the sheriffs department talked to her she told him I signed in front of her. She lied. I was in XXXX with m sister! I have pictures on my phone from the date that was signed, I have my passport, I have texts between the notary and myself. When I told the detective that he didnt care. He said, well, she said you signed in front of her so as it stands now the investigation is at a standstill. But, I have proof! Shes lying! I didnt sign the loan papers in XXXX either! My name isnt even on the loan. I didnt sign any papers in XXXX for a hike equity loan, in XXXX XXXX for another {$8500.00} the very month before we closed on our house, in XXXX a home equity loan, 2 refinances in XXXX, 2 refinances in XXXX. Then it was in to modifications and hardship we never had any hardship. Hes a lier. If he would have left the house alone, it would be half way paid off! Now I get to pay for his illegal actions? And the illegal notaries? The notary that notarized in XXXX was from XXXX XXXX XXXX in XXXX, Colorado. The notary from the illegal loan in XXXX is someone h have never heard of. That loan my husband also claimed to be a XXXX Vet. I only know this because the foreclosure papers state, after speaking with the Department of Defense, he is not eligible for some injured soldiers and sailors act. His dad was a Vet, and he has the exact same name as his dad. So, I dont know if thats how he got away with doing such a XXXX thing, but it is wrong. Nobody seems to care. I have worked very hard my entire life, and to have someone do the things that he has done to me, I could lose my home, my business, and he took all the money. Lying to the judge in court about how much he makes, his retirement, and telling her he gave me a bunch of money when he left. She believed all his lies and I went from getting {$2500.00} a month in maintenance, to getting {$500.00} a month because he gave me {$400000.00}. I would have put that towards my house if that were true. All he didnt was take take take, and leave. XXXX XXXX keeps giving me the runaround, telling me everything that is sent to her is illegible. I have had a professional printing company send her documents many many many times! 
My accountant has sent her copies of taxes many many times! I am running out of time to save my house, and I cant get any sort of disaster relief help because of the loan!

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