Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I BELIEVE FRAUD WAS COMMITTED BY WELLS FARGO. 
Due to the lack of knowledge, my husband and, I have regarding home loans and legal issues, our age, my husband 's illness, I feel we were taken advantage of. Wells Fargo obtained a silent second/lien thru HUD when we remodified our home loan in XXXX. They did not make us aware nor did they attempt to make sure that fully understood what was been done. My husband since has passed away in XXXX, and now that I am trying to sell the home I am unable to, due to this outstanding debt of {$98000.00} XXXX XXXX Dollars, that we are unaware of. I am 100 % certain that had this been explained to us my husband and I would have not agreed. After spending 20 years in a home with my spouse, daughter, and grandchildren I would walk away with only XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ). How is this fair to a consumer? 

BELOW IS A DAILY LOG ATTEMPTING TO SPEAKING VARIOUS PERSONS AT WELL FARGO 'S XX/XX/XXXX XXXX XXXX from Wells Fargo unable to assist me referred me to HUD provided number XXXX XXXX XXXX and loan number XXXX b. ) XX/XX/XXXX XXXX spoke with XXXX from HUD - attempted to inform him that I was not aware of a second or lien. He was unable to assist me and transferred me to speak with XXXX also unable to assist stating HUD ONLY THE RECORDING FACTOR THAT IT WAS WELLS FARGOS RESPONSIBILITY c. ) XX/XX/XXXX XXXX spoke with XXXX ( female ), from Wells Fargo unable to assist me wanted to refer me back to HUD, stating Wells Fargo was responsible for obtaining the loan, HUD was only responsible for recording. Once again, I informed her that I was not aware of any second or lien. She realized my frustration when I stated if no one is will to help or extend the curiosity of even speaking or listening to me, my intentions will now be to find as many government agencies as possible that deal with Mortgage FRAUD and issue complaints, also hire an attorney and sue for FRAUD. She was going to transfer me to a Supervisor or Manager, she came on the line stating one was NOT AVAILABLE and would leave a message for one to return the call within 24 hours. 
d. ) XX/XX/XXXX XXXX spoke with XXXX XXXX female ) from Wells Fargo, transferred me to XXXX XXXX, employee ID number XXXX, XXXX same as ext ) ext XXXX ( at this point I was tired of being passed around so got her employee ID no. ) I asked her if she was a Supervisor or Manager, she responded NO, she was from Executive Intake Offices. She was going to transfer me to the Loan Manager, who also was not available. She provided the name XXXX and case number # XXXX to reference, was going to send an email for this person to contact me, within 10 business days. In addition, I also made XXXX aware of my intentions, will now be to find as many government agencies as possible that deal with Mortgage FRAUD and issue complaints, also hire an attorney and sue for FRAUD. 
e. ) XX/XX/XXXX XXXX XXXX XXXX from Wells Fargo, on ext XXXX, left me a message to call her. I returned her call and left her a message to return my call. 
f. ) XX/XX/XXXX XXXX spoke with XXXX from Wells Fargo requested a letter of Demand, provided, she took some information from me including my email address. She provided a confirmation number of XXXX for this transaction. 
g. ) XX/XX/XXXX XXXX XXXX returned my call informing me that she will be the manager on the case, she would do an investigation call me back by no later than XX/XX/XXXX. Requested a letter of demand.

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