Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My parents have passed, and I am the Executor of their Estate. They were living in Arizona, unbeknownst to me as their grandson moved them without advising anyone. My parents did not have a cell phone to contact me. Not until over a year later did my father contact me saying they were being abused by the grandson and they needed help. I arranged my home in California to accommodate them, and drove to Arizona to bring them to my home to live. 
I discovered my mother had a loan with Wells Fargo Bank No. WF # XXXX- XXXX XXXX. Other parties that may have been involved were her grandson XXXX XXXX and his wife XXXX XXXX. Neither had any authority over my parents, as my parents had a trust showing the named people to be able to speak on their behalf, which was not either of them. 
My mother had XXXX and XXXX diseases, wheel-chair bound and deemed incompetent. She could not sign any legal document, but the grandson and his wife took advantage of her XXXX. My father was completely competent and a witness. 

The XXXX told my parents they had to sign a rental agreement and brought both of them to an office with one person to sign the rental agreement. They had my father sign one document and quickly escorted him out of the room. Wells Fargo had my incompetent mother sign many documents ( found on-line ) for a loan. Of course, my mother had no idea what occurred and my father was not allowed to be in the room to see his wife sign various documents. 
In the meantime, my father contacted me to say they had no food or medications and they needed help because my mother continued to fall and hurt herself. The XXXX dumped them in a rental to fend for themselves. Also discovered was XXXX XXXX stole my parents narcotic medication each month and replaced it with Ativan. The police were involved and charged XXXX XXXX with a felony for narcotic theft. I have placed various adult protective reports in Arizona, which the department failed to investigate. 
Once I discovered this fraudulent loan, I asked my parents to write out what occurred on the day of the signing. I contacted a notary in Arizona to notarize these hand-written documents. When I arrived in Arizona to move them in with me in California, I asked them again to handwrite what occurred on the day of signing. I had these documents notarized. Knowing what a notary is and that they request verification of signatures, they confirmed that no one asked for their identification at the signing of the rental agreement. Wells Fargo does not want these notarized statements, which will implicate they authored a fraudulent loan. 
There is a notary signature on the documents. As a prior notary myself, I contacted the XXXX XXXX to discover the person was not registered, and if they retired, they had to relinquish their notary book, which they did not. 
I wrote many letters to Wells Fargo about this fraudulent loan. I have been in contact with the directors who refuse to reply to me. 
Wells Fargo was well aware at this signing that the loan was fraudulent, there was no notary and my mother was incompetent and could not sign any document. The loan mysteriously was paid off. 
Yesterday, I contacted XXXX XXXX, Director of CDPH who wrote me an e-mail suggesting that I file a claim with CDPH, which is what I am doing. 
I am happy to provide any documentation requested to prove any statement made, and that my mothers loan was fraudulent. Of note, I am a retired fraud investigator to understand what documents are necessary in an investigation. 

Thank you

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