Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TX)

Subject : Urgent Complaint Against Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Dear CFPB, I am writing to file a formal complaint against Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX regarding fraudulent activities, improper handling of the mortgage on my home located at XXXX XXXXXXXX XXXX XXXX, and repeated attempts to illegally take ownership of the property. 

Background : After my father, XXXX XXXX, passed away in XX/XX/XXXX, I was confirmed as the successor to the mortgage in XXXX, and the property was transferred to my name by XXXX XXXX. 
Since then, I have been managing and making payments on the mortgage to keep the home for myself and my children. 
Issues Experienced : Fraudulent Ownership Claims by XXXX XXXX : Starting around XX/XX/XXXX, XXXX XXXX began coming to the home, claiming ownership and issuing a XXXX notice to vacate. 
He filed a fraudulent deed with XXXX XXXX, which was notarized at a pawn shop without proper verification. 
Improper Actions by Wells Fargo : Despite my confirmed status, Wells Fargo informed me that XXXX XXXX was attempting to be placed on the account as a successor. 
Wells Fargo acknowledged some inaccuracies in the deed provided by XXXX XXXX but continued to entertain her claims and allowed her to add XXXX XXXX and XXXX XXXX to the account authorization. 
Recently, Wells Fargo removed my status as a confirmed successor, requested more information, and placed the house back into foreclosure despite my consistent payments and previously submitted documents. 
Fraudulent Activities by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX attempted to conduct a short sale of the property without my knowledge or consent, using a fraudulent deed. 
XXXX XXXX turned out to be associated with a fake company, submitting false documents to Wells Fargo. 
Lack of Proper Verification and Communication by Wells Fargo : Wells Fargo failed to verify the legitimacy of the deeds and documents submitted by XXXX XXXX and her associates. 
They did not inform me adequately about the foreclosure status or the cessation of the mortgage assistance process I applied for. 
Fair Resolution Requested : Reinstatement as a Confirmed Successor : Immediate reinstatement as the confirmed successor-in-interest, recognizing my legal right as the heir and ensuring I can manage the mortgage account without further interference. 
Comprehensive Review and Correction of the Mortgage Account : A thorough review of the mortgage account to correct any errors, including misapplied or missing payments, and to confirm that all my payments are properly accounted for. 
Immediate Halt to Foreclosure Proceedings : Stop all foreclosure actions and provide a clear and manageable payment plan considering the payments already made and documented. 
Investigation into Fraudulent Activities : A full investigation into the fraudulent activities of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and their attempts to wrongfully claim ownership of the property. 
Appropriate legal actions against those found guilty of fraud, including the submission of fake deeds and documents. 
Transparent Communication and Documentation : Ensure transparent and accessible communication from Wells Fargo regarding the mortgage account, status updates, and any changes. 
Provide clear documentation and explanations for any actions taken on the account. 
Compensation for Stress and Legal Expenses : Compensation for the significant stress, potential homelessness, and legal expenses incurred due to the fraudulent actions and Wells Fargos mishandling of the situation. 
I have attached relevant documentation, including proof of payments, correspondence with Wells Fargo, and evidence of the fraudulent deed and activities for your review. I am available for any follow-up questions or additional information you may require. 

Information and Actions Requested from Wells Fargo : Verification and Transparency of Account Details : Requested detailed account history and payoff balance to understand why the mortgage amount remained almost the same after over 20 years of payments. 
Asked for a thorough review of the mortgage account to identify and correct any errors, including misapplied or missing payments, particularly those made by the State of Texas Rent Relief program and myself. 
Status as Confirmed Successor : Confirmed my status as the successor-in-interest to the mortgage in XXXX. 
Asked Wells Fargo to recognize and maintain my legal right as the heir to manage and make decisions about the mortgage. 
Response to Fraudulent Claims and Actions : Alerted Wells Fargo to the fraudulent deed filed by XXXX XXXX, notarized at a pawn shop without proper verification. 
Requested that Wells Fargo reject the fraudulent deed and not entertain further claims by XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX XXXX without proper legal documentation. 
Communication and Clarification on Foreclosure Status : Sought clear communication regarding the foreclosure status, especially after being told the house was no longer in foreclosure following the submission of required documents. 
Asked for an explanation of why my confirmed successor status was suddenly removed and why the house was placed back into foreclosure. 
Prevention of Illegal Short Sale Attempts : Inquired about and requested a halt to the unauthorized short sale attempts by XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
Asked for a detailed explanation of why Wells Fargo was allowing these parties to proceed with short sale plans based on fraudulent documents. 
Assistance with Mortgage Assistance Application : Requested help with my mortgage assistance application, ensuring that it was processed correctly and without interruption. 
Asked for a resolution to the cessation of the mortgage assistance process due to fraudulent claims submitted by XXXX XXXX. 
Investigation into Fraudulent Activities : Requested Wells Fargo to investigate the fraudulent activities of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
Sought assurances that Wells Fargo would take appropriate legal actions against those found guilty of fraud.