Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband died on XX/XX/2017. He died intestate with a minor child and a wife. At the time of his death we lived in a house that was his separate property, left to him be his mother. At the time he died, I did not know if he had paid the monthly mortgage. So four days after his death I went to the bank and advised that he had passed away and that I was not sure if he had paid the mortgage. I had the mortgage information. Wells Fargo accepted the payment. I also called the life events team at Wells Fargo that same day and advised of the death. I advised that as soon as the death certificate was available. I would get it to them. When the death certificate became available. I took it to a branch of Wells Fargo and paid the mortgage. I contacted the mortgage servicing division and advised that I would be seeking to become the successor in interest on then mortgage and requested the necessary documentation. I continued to pay the mortgage. On the 5th payment, I went to the bank to pay the mortgage but this time Wells Fargo refused to accept it. I was told that since I was not on the mortgage they could not accept payment from me. This even though I had been paying the mortgage since my husband 's death. I contacted Wells Fargo again. This time I was told that they did not have my husband 's death certificate. I told them that I had gave them a certified copy as soon as it became available. I requested information on the status of the payments and Wells Fargo refused to give my any information on the mortgage payments. They sent me the forms they needed for me to apply to become the successor in interest. To become the successor in interest. they were aware I was required to prove an ownership interest. I advised that I would be filing the necessary paperwork/pleading in probate as soon as it was determined who would be my stepson Conservator. I gave them all the necessary information to confirm that my husband had left a minor child who was unrepresented. While I continued to resolve the issues with the child and the estate, Wells Fargo foreclosed on the house without notice to the estate. Wells Fargo foreclosed in my husband 's deceased mother name! At the time of my husband 's death he was the sole obligor on the mortgage. Neither I nor the estate received any notice from Wells Fargo. I am currently litigating against Well Fargo for what they did. This case happened Texas. Texas has law that says that a Dependent Administrator can set aside a foreclosure of a person who dies intestate within four years of the death of the obligor! Even though this is the law in Texas, Wells Fargo refuses to follow the law and is continuing the litigation at great expense to the family. Wells Fargo stole from my family! I am still fighting but I want the CFPB and the public to know that Wells Fargo continues to harm its customers even though that are penalized by its regulators! Wells Fargo has not changed. They just will not stop destroying the lives of their customers!!

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