Consumer complaint received 2018-07-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
-lease find attached documents regarding our home at XXXX XXXX XXXX XXXX  XXXX XXXX , NV XXXX. 

Please see the attachments. 
We have been working with the CFPB to resolve the issues ( Complaints XXXX,XXXX ) WFHM regarding the sale of our home. We have gone to great lengths to ensure that that XXXX XXXX XXXX did not have the ability to pay off our loan. Please see exhibit # 6. 

It is clear to us that WFHM Mortgage has worked with XXXX XXXX, XXXX to sell our home on XX/XX/2018, exhibits # 1 and 2. We received a phone call from WFHM on XX/XX/2018 that they had received another inquiry from the CFPB and that they would be working towards a resolution to our CFPB complaint ID XXXX, see the letter dated XX/XX/2018 ( exhibit 7 ). XXXX XXXX, XXXX had been contacting us and WFHM to obtain a loan balance so that they could pay off our mortgage to which they had no right to do so. We denied their request upon each request, Please see Exhibits # 3 and 4. The only way that XXXX XXXX, XXXX could know of the loan balance is if WFHM provided it to them. We received a letter dated XX/XX/2018 from WFHM, exhibit # 5, that our loan had been paid off. We did not receive this letter until this past Thursday, XX/XX/2018. We thought that WFHM had paid off the loan in response to the CFPB inquiry, which was one of the Items that we had requested. The letter was misleading and led us to believe that our home had been paid off as a result of the CFPB inquiry and we would be obtaining ownership. When all along they sold off our mortgage to XXXX XXXX without our permission. This is a fraudulent act. 

WFHM had taken XXXX XXXX to court and won a judgment that they had no rights to our property. Exhibits # 3 and 4.

I called WFHM yesterday to attempt to determine who paid off our mortgage being that we did not. This morning, I received a call from XXXX XXXX of WFHM and she would not tell me who paid off the loan but that WFHM did not. To this date, we have not received a resolution to our CFPB complaint. WFHM have written us a letter every 2 weeks to extend the resolution date, knowing full well that they had assisted in the sale of our home to XXXX XXXX back on XX/XX/2018 without our knowledge or approval. A response was due today but they called me this morning to indicated that they would be sending us a response today. This was after I called yesterday. 

The treatment that we have received from Wells Fargo Home Mortgage has been egregious. We have filed 3 complaints with CFPB, and in the latest, they assisted in selling our home to someone who did not have the right to sell our home. This appears to be a never ending night mare perpetrated by WFHM and although CFPB has fined them a total of XXXX XXXX dollars in the last 18 months, they have not changed their wicked practices despite running adds to the contrary. We want action taken to resolve this matter and compensate us. They have ruined our credit by reporting prior to HAMP modifications delinquencies that was taken off per the HAMP guidelines and erroneously put back on, stole our equity of over {$250000.00}, Breach of contract of our HAMP loan by not paying off our {$10000.00} HOA lien during our HAMP loan modification, lying to us and the CFPB in their responses to our complaints, trivializing our complaints by not addressing any of our concerns. They even took legal action to prevent us from participating in the Nevada Foreclosure process by stating that we did not live in the home which would have disqualified us. Contacted our insurance company and to tell them that we did not live in the home and thereby had our insurance cancelled. Their latest reply is that our home is now sold with out our permission or knowledge, thinking that now this matter is closed.

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