Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OH)

NOTE : I submitted a complaint to Wells Fargo approximately eighteen months ago, but did not submit it through the Consumer Financial Protection Bureau. So, Wells Fargo already has copies of documents relevant to this abbreviated complaint, and is aware of the specific details behind each of the consumer protection law violations listed here. 
1. I have been sole title owner of the XXXX home at issue since XX/XX/XXXX. In XX/XX/XXXX, my ( then ) spouse decided to refinance the property. For several reasons, I refused to sign the note ( but did sign the mortgage ). Years later, I discovered that the bank had forged my name as grantor on a deed so that my ( now ex- ) spouse ( the grantee ) would appear to have an interest in the property when he signed the loan documents. A Wells Fargo employee notarized the forged signature. 
When my signature was forged and notarized in XXXX, I was in XXXX. I sent the bank proof that I could not have signed the deed, in the form of receipts signed by me as I progressed from XXXX to XXXX and back. 
2. Also, when the mortgage was signed, the notary who later notarized it was not present ; she was the same Wells Fargo employee who had notarized the forged deed. 
3. Additional issues related to the loan process include misrepresentations made to me by Wells Fargo representatives so they could get the loan finalized. 
4. In a XX/XX/XXXX divorce, the property was awarded to me. In XX/XX/XXXX, my ex-husband 's debt to Wells Fargo was discharged in a XXXX bankruptcy court. In XXXX, XX/XX/XXXX the bank sent a letter addressed to him at my XXXX residence, stating that the mortgage loan was in default and that failure to pay the delinquency might result in foreclosure. In response, I contacted Wells Fargo, explaining that my ex-spouse had not lived in XXXX for quite awhile, and that he did not have any interest in the property. Later, I sent the bank documents including copies of relevant deeds, the receipts mentioned above, and domestic relations court entries. I also provided them with a form, prepared by Wells Fargo, in which my ex-husband authorized the bank to discuss the loan with me. 
During the year and one-half after the bank 's first letter, I have tried, in many letters and phone calls, to resolve the issues amicably. However, despite the serious nature of my complaint, Wells Fargo has made no real attempt to resolve the issues. Instead, it has engaged in delaying tactics, misdirection, and deceit, compounding the initial fraud and resulting in multiple additional violations of federal consumer law. Among other things, Wells Fargo : A. by its own admission, did not conduct the required investigation, and has neither provided written notification that no error occurred nor corrected the error asserted, B. has required irrelevant documents in order to pursue an investigation ; conditioned whether an investigation and problem resolution occurred on the receipt of documents irrelevant to resolving the complaint. 
C. has not responded to issues raised by my complaint, D. threatened foreclosure despite failing to investigate my complaint, and despite making no real attempt to resolve my complaint, E. would not offer any foreclosure avoidance options other than assuming the borrower 's debt in full, F. did not respond to my inquiries about its practices adequately or in a timely manner, G. would not help me clear questions about its internal requirements, H. would not provide needed information, though I was not satisfied with the '' resolutions '' of my complaint and requests for information, I. did not investigate and respond to my complaint within a reasonable time, J. did not give available loss mitigation options other than loan modification, K. did not provide a written decision which included an explanation of the reasons for denying any loan modification option, L. did not provide a " single point of contact ''