Consumer complaint received 2017-05-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In   XXXX   XXXX   XXXX   Wells Fargo finally approved a Loan Modification loan and to transfer mortgage into my name. My Step Father passed away in   XXXX   XXXX  . Since  XXXX  i have tried getting the mortgage transferred into my name as I have lived in the home from the date of purchase and paid all mortgage payments. In   XXXX   XXXX   XXXX    Wells Fargo denied transferring the mortgage into my name due to my credit score. In   XXXX   XXXX   Wells Fargo filed Foreclosure on my home stating payments were not made from   XXXX   XXXX   and on although the payments were made but Wells Fargo had return the payments. Regardless I was told i could apply for loan modification which I had in   XXXX   XXXX   XXXX  . Since Wells Fargo has done everything possible to not approve the loan modification but i would not give up. Wells Fargo has continue to question the property deed as it has been in my name prior to my Step Fathers passing. Wells Fargo should have transferred the mortgage into my name back in  XXXX  when i first requested under the Garn-Saint Germain Depository Institution Act because of being on the deed. Regardless was not done nor could I afford a lawyer to assist me which has allowed Wells Fargo to be unethical and take advantage. However finally in   XXXX   XXXX   Wells Fargo approved the loan modification with first payment of {$580.00} due on   XXXX   XXXX   XXXX  . I have paid every mortgage payment ontime. On   XXXX   XXXX     XXXX   XXXX  , Home Preservation Specialist with Wells Fargo called me stating there was issue with the deed again. However she did not tell me what the issue was but that i needed to fax to her the deed where the property was transferred into my name. I did fax   XXXX   XXXX    the requ ested documents. During the first week of  XXXX    XXXX   XXXX   supervisor called me stating there was issue with deed but did n't explain the issue therefore added their title company clerk into the phone conversation. I believe their title company is American Title. This person was very rude and ask why the deed was transferred prior to my step fathers passing. He was inferring i was being dishonest. He stated there was error with the deeds parcel ID prior to my step fathers passing therefore any deed processed after his death was voided. I asked him and Wells Fargo to send me in writing the error so I could bring it to a lawyer for rewiew. I never received any documents explaining the error and continued to get threats from Wells Fargo if I do not file probate documents they will go forward with foreclosure. Probate is not required for many reason 's but Wells Fargo is trying to find any reason to foreclose on my home. On   XXXX   XXXX   XXXX   I faxed to   XXXX   XXXX   all of the deeds filed on my home including the deed from the day we purchased the home as well as statement on Polk County Florida property records. It stating two different acceptable parcel ID expressions. The county clerks office displays parcel ID 's one way and the appraisers office another way. Therefore there is no error on the parcel ID 's which their title company should be aware. However on   XXXX   XXXX   XXXX     XXXX   XXXX   called me stating the documents I sent were not acceptable and when I ask what was the issue she would not tell me told me i needed to file probate documents or they will foreclose on my home. Wells Fargo has copy of my step Fathers last will and testimony where he leaves and property to my Mother who was on the property as well. Therefore probate is unnecessary as well as prior to his passing only my Mother and I were on the deed. Wells Fargo is not following any laws and willy-nilly making up reason 's not to transfer the home into my name. Wells Fargo has also charged to the mortgage legal cost and other cost for the foreclosure that should have not been filed. Wells Fargo should have transferred the mortgage into my name back in   XXXX   when first requested. They should be held accountable for such clear