Consumer complaint received 2016-07-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the Executrix of my deceased father 's Estate. Since my father 's death in XXXX XXXX, I have been trying to get information regarding loan accounts pertaining to XXXX residential properties that he owned in New Jersey. This complaint concerns the primary residence. I currently reside at the primary residence. 
At the time of my father 's death, it was uncertain whether there was a mortgage loan on the property ( originally purchased in XX/XX/XXXX ). The only information that I had found was a folder consisting of random, unexecuted loan documents from XXXX XXXX XXXX. There were no copies of any documents signed by my father. On learning that Wachovia Bank acquired XXXX XXXX XXXX, I made continuous attempts to get information from Wachovia Bank regarding a loan account on the property. 
Subsequently, Wells Fargo Bank , N.A . acquired Wachovia Bank. Unbeknownst to the Estate, Wells Fargo Bank , N.A . filed foreclosure complaints concerning a XXXX XXXX XXXX refinance mortgage loan, pertaining to the property. This resulted in foreclosure defaults being entered against my father and my mother. Both of them are deceased. 
Thereafter, Wells Fargo Bank , N.A . obtained foreclosure defaults against the XXXX children ( the heirs ), although title to the property was never transferred to them. Since Wells Fargo Bank , N.A . ignored the Estate while proceeding through litigation, the Estate had to file for intervention with the Court to defend the foreclosure. 
The primary goal for the Estate has been to obtain all loan transaction / origination information pertaining to this property. As of this writing, the only loan origination documents provided to the Estate by Wachovia / Wells Fargo Bank, N.A., in response to my requests, have been copies of Note ( s ) and a Mortgage. Inspection of original documents has been requested to no avail. 
In person, via telephone and in writing, I have made repeated requests for information on behalf of the Estate. Requests for information have not been / properly responded to by Wachovia Bank / Wells Fargo Bank , N.A . 
A summary regarding Qualified Written Requests submitted by the Estate is as follows : QWR dated XXXX XXXX, XXXX to Wachovia Mortgage ( Ex. 1 ) Response consisted only of a copy of a Note ( with no endorsement ), a copy of a Mortgage and letters from the OCC and OTS pertaining to the bank merger. ( Ex. 1B ) QWR dated XXXX XXXX, XXXX to Wells Fargo Bank , N.A . ( Ex. 2 ) Response consisted only of a copy of a Note ( with no endorsement ), a copy of a Mortgage and letters from the OCC and OTS pertaining to the bank merger. ( Ex. 2B ) Shortly thereafter, I received a XXXX-page Loan History Statement showing only fees/charges for XX/XX/XXXX. ( Ex. 2C ) QWR dated XXXX XXXX, XXXX to Wells Fargo Home Mortgage - Wells Fargo Bank , N.A . ( Ex. 3 ) Response consisted of a denial of information due to the account being in litigation. I did not raise legal issues in the QWR. I am seeking information that the Estate is entitled to review and that I must have in order to go forward in administering the Estate through Probate effectively. ( Ex. 3A ) While all communications come directly from me, on behalf of the Estate, the bank often refuses to acknowledge me directly. The bank is persistent in sending all correspondence c/o my older brother. My brother has had no direct dealings with the bank and does not reside at the primary residence. I am the authorized point of contact on behalf of the Estate. 
Versions of the purported Note that were submitted to the Court show a REMIC endorsement, which differs from copies of the Notes sent to the Estate in response to Qualified Written Requests. There is no record of money having been received by my father in any loan refinance transaction. Wachovia / Wells Fargo Bank , N.A . continues to stonewall the Estate in obtaining requested information.

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