Consumer complaint received 2022-03-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently went through a divorce. The judge granted me the home as part of my divorce. I was granted a divorce on the grounds of XXXX XXXX XXXX. My ex husband refused to sign our divorce decree. My divorce decree was finalized and the judge signed it on XX/XX/XXXX. My ex husband refused to signed a warranty deed. I started going through a modification on my home in XXXX of XXXX. I reached out to my ex-husband in XXXX of XXXXand pleaded with him to sign a warranty deed. The bank advised me in XXXX that I needed a warranty deed in order to proceed with the modification. I reached out to my attorney. My attorney advised me to obtain a certified copy of my divorce decree. Once I obtain my certified copy of my divorce decree, to then file it in the property records in the county clerks office that is located in my county where our property was purchased and is located. I followed her advice and did as she stated on XX/XX/XXXX. Once I recorded my divorce decree, I received an instrument number on my divorce decree. The instrument number, was my recorded deed. I took my recorded deed over to the tax appraisals office that same day, XX/XX/XXXX and they removed my ex-husband from the deed. I then filled out a new tax exemption form after the tax appraisals office transferred the property over to me as the grantee. The tax appraisals office gave me the paperwork to my property that listed me as 100 % ownership, on XX/XX/XXXX. I faxed the recorded deed as well as the paperwork from the tax appraisal office over to the mortgage company on XX/XX/XXXX. I called two weeks later for an update and the title department asked me to send them a convenience deed or a warranty deed which was on approximately the week of XX/XX/XXXX. I was told someone would contact me but unfortunately no one contacted. I called toward the end of XXXX and was told the same thing and again I requested a call back but did not get a call back. On XX/XX/XXXX, I emailed the bank explaining why I did not need a warranty deed. I explained that my ex-husband was no longer on the property and that my divorce decree was my actual recorded deed. I also emailed the printed laws surrounding filing a divorce decree in lieu of a warranty deed. I called the bank back and the representative told me that he would bypass title and escalate my information to underwriting. On XX/XX/XXXX, I was told again by a bank representative that I needed a warranty deed. On XX/XX/XXXX, I asked to speak to a supervisor to voice my concerns. I have sent them everything that they have already requested. There is nothing left for me to send. Today I emailed them a copy of my recorded deed that I printed off of our county 's website under land recordings. I paid for another copy of the recorded deed, my filed recorded divorce decree, a receipt from the website where I purchased the recorded receipt and the information from the website that shows I recorded my divorce decree to transfer the property to as the grantee. The bank is refusing to accept the recorded deed as documentation that is in fact a recorded deed.

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