Consumer complaint received 2022-03-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/XXXX I was divorced and awarded my home in the divorce agreement. I had 12 months to refinance removing my ex spouse. Of course 4 weeks after divorce quarantine happened and I was financially negatively affected due to covid 19. I chose the option of forbearance under the cares act. Hopeful it was temporary. In XX/XX/XXXX I started the process I thought to end forbearance only to find out that my ex spouse had filed chapter XXXX  bankruptcy. I was not involved in that in any way. During that process for her I could not do anything with my mortgage including making payments. The end of XX/XX/XXXX there was a judgment and she was no longer in active bankruptcy, she did include this mortgage in her bankruptcy and it was reaffirmed so not to affect my being there as long as I continue to make my payments. XX/XX/XXXX Wells Fargo drafted a modification to end forbearance. I immediately upon receiving it signed it notarized and returned the modification. My ex-spouse decided to ignore it all together. After months had gone by with no one able to reach my XXXX the modification agreement expired and then I was back to square one. I began the process over again this time without a modification because my intention was to refinance as soon as possible once making the three on TimXXXX payments necessary. That was over 4 months ago that that process was initiated. This time I submitted in the documentation the divorce decree showing my entitlement to the property, a quit claim deed signed and notarized by my ex spouse and handled by my attorney. Of course she also has the chapter XXXX judgment which included Wells Fargo from the year prior. I was told underwriting accepted all the documentation and it was a matter of waiting for the paperwork to be generated. This would allow the forbearance to be lifted without her signature given the documentation provided. After calling Wells Fargo now multiple times learning yesterday on XX/XX/XXXX that the paperwork that was generated was sent to my ex-spouses bankruptcy attorney. Here 's the problem I don't know who that attorney is, he should not have my information my personal information because I did not hire him secondly she is no longer in active bankruptcy therefore there is no need to involve her attorney in any way. Next there was no need to involve her for anybody that may be related to her situation because the quit claim deed along with her chapter XXXX bankruptcy and the divorce decree was enough by law uninvolve her in the process as she only was trying to be a hindrance through ignorance. All that said I initiated the initial process of removing the forbearance nearly 17 months ago. I've been making my regular payments. And desperately want to get this process done so that emotionally I can move on but also interest rates have been at an all-time low and I would like to take advantage of that savings opportunity. I am one income. Any savings is a big safe. I will be saving over {$700.00} a month by refinancing. I can't do that until the forbearance is lifted. Her bankruptcy is not the fault of Wells Fargo and they handled their business there accordingly however this last 4 months and counting is certainly their mistake in the delay. And providing my information to an attorney that is no longer employed by my ex spouse and was never employed by myself. Any information of mine that he receives without my authorization or under any legal pretense is a violation of the privacy act and my rights. This has been a terrible experience start to finish. I want closure and I want to move on. I want to save the money I should already be saving. If the interest rate were to go up a half percent before I refinance from where it has been, that is a cost of over {$30000.00} over the life of the loan to me. This lost opportunity would be squarely on the fault of the lender. I did not find it this process to be that challenging or difficult given I provided all the necessary paperwork documentation and was agreeable through the whole process. At this point however I'm not happy. I've been nice and I've been cordial and I've been understanding and pleasant. That goes away now. It's unacceptable. I would like remediation and this situation brought to a close immediately. Thank you and please if there's anything I'm missing do contact. I have everything in my life documented as I've worked for the federal government for 26 years and I'm well aware of the importance of documentation. Thank you again