Consumer complaint received 2017-04-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have  25 acres 3 acres of it and my home are in a mortgage 22 acre s are clear I have my own business have a semi truck.   XXXX   XXXX   I did a loan modification with  wells fargo  on which I wanted my ex wife taken off loan they said they would if I sent divorce decree and a quit claim which I did the quit claim was on all my acres decree gave me all rites to home.   XXXX   XXXX   I needed to get loan for my business and catch up on my mortgage which I got behind on.   XXXX   XXXX   had to have land appraised get flood insurance on my barn and pay my bank fees for the  loan.   XXXX   XXXX   my bank said they could n't give me the loan because wells fargo had a lien on my house and had a lien on all my acreage. I told them there was not a lien on my  22 acres I w ent to courthouse got all my papers and found wells fargo had lien on all my land because they wrote wrong land description on my modification which they should not have done and did have lien on all acres.   XXXX   XXXX   XXXX   called wells fargo told them the situation and I needed the loan from my bank for my business and to get up to date on loan with them. they said they would do the lien release in  1 to 3 days.   XXXX   XXXX   XXXX   ca lled wells fargo to see if lien was being released  XXXX   XXXX  said they were researching the problem and would help carry burden and hardship their error caused me and it was being transferred to the lands transaction department. I was calling wells fargo almost every day for up dates.  XXXX   XXXX  from wells fargo called   XXXX   XXXX   XXXX   said I needed quit claim from my ex wife to separate land for some reason told him I did n't know where she was.   XXXX   XXXX   XXXX    county clerk tol d me cant quit claim something she already signed off on  XXXX   XXXX   XXXX   XXXX   I did quit claim to myself sent it to wells fargo they said they would final on    XXXX   XXXX   XXXX  . county cler k told me land was already separated on the original mortage in  XXXX .   XXXX   XXXX   XXXX   I was served with foreclosure papers which were filed   XXXX   XXXX   XXXX   and written   XXXX   XXXX   XXXX   with the  3 acre  land description on them.    XXXX   XXXX   XXXX  called wells fa rgo they said it would be   XXXX   XXXX   XXXX   on the lien release.   XXXX   XXXX   XXXX   attorney serving wells fargos foreclosure in Oklahoma city said lien release was sent to attorney in  XXXX  Oklahoma to review land description for approval.   XXXX   XXXX   XXXX   attorney in okla city said  XXXX  okla attorney approved land descriptions and it was forwarded to wells fargo to be signed and expedited.   XXXX   XXXX   XXXX   was sent executed lien release   XXXX   XXXX   XXXX   lien release was forwarded  to county c lerk.   XXXX   XXXX   XXXX   attorney in   XXXX   XXXX   emailed me lien release later that day   XXXX   XXXX   at wells fargo told me they would give me their decision if they would approve or deny my lien release on   XXXX   XXXX   XXXX   XXXX  during all this time ive been talking to    XXXX   at  wells fargo he was putting the lien release off continuously and wanting me to send him documents he already had or had access to. he told me  four diffe rent reasons they changed land description off my address from court house and the quit claim and divorce decree I sent just for the purpose of removing my ex from loan of which was later told they cant do anyway. I would be up to date with wells fargo and be running my business now if it was n't for their errors I have been without income since   XXXX   because my business is shut down and im facing forecloseure on my home and now repo on my truck. The worst financial situation in my life.   XXXX   XXXX   XXXX    XXXX   XXXX  at wells fargo told me they will not do another modification due to me having no income at this year and at this time. I will be getting my loan from my local bank   XXXX   XXXX   XXXX   finally. the wrong description on my modification still to my knowledge has n't been corrected

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