Consumer complaint received 2024-01-25
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (GA)

I have a complaint I would like to file against WELLS FARGO HOME MORTGAGE. XX/XX/XXXX my husband died. Approximately 4 months prior to his death he had requested that his WELLS FARGO MORTGAGE LOAN be put in FORBEARANCE as XXXX had affected his monthly household income. 
Per his Last Will & Testament, He left the property to me, his Surviving Spouse. I was under extreme mental duress due to loosing him, XXXX XXXX  and was not able to settle the estate per his Last Will & Testament swiftly, but I was in touch very frequently via phone and USPS mail with WELLS FARGO HOME MORTGAGE. 

They put together a LOAN MODIFICATION with a new interest rate and a 40 year fixed rate term. 

All accrued interest, fees, escrow due, and other expenses that added up on my dead husbands SOLE Ownership ( Deed/Mortgage ) Mortgage Loan was swept, in full, to the back end of the Mortgage Loan. This back end amount totaled {$28000.00}. It was added to approx. {$150000.00} in actual loan balance for an approx. grand total of {$180000.00} owing. Once again, remember that the modification was carried out over 40 years. That would make me about age XXXX when the loan would be satisfied given the established terms. 

I was overnighted Loan Documents about the 4th week of XXXX, with what I perceived as a threat attached ; that the documents must be SIGNED & RETURNED by XX/XX/XXXX or the Modification would fall through, which in turn would leave me Widowed and Homeless. 

I was driven to the bank by a family member on XX/XX/XXXX and per instructions asked for a Notary Public to witness my signature and initials. 

I had just experienced my first holiday season without my husband and it was all I could do get this completed. 

No terms or conditions were explained as the Notary Public directed me to each sticky note to sign or initial. 

I **did think it **strange that the loan number was the very same number as when my Husband solely held the loan. Reminder, he originated this XXXX XXXX Backed Loan years before I met him. 

In my state of extreme duress and depression, I was thankful not to be homeless. 

Recently, XXXX maybe, I get a CHECK FROM WELLS FARGO REMEDIATION FOR ABOUT {$1600.00}, payable to The Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( My Husband ) I applied it back to the Mortgage. 

After a bit of time passed a BIG RED FLAG went up in my brain. Why was a Wells Fargo Remediation Department sending a check to The Estate of My Husband. 

Almost simultaneously, I get a 404 Notice from a New Servicer through US Mail on XX/XX/XXXX advising me they had purchased my loan from Wells Fargo XX/XX/XXXX ; a date that was 34 days in the past? 

This is when a bigger RED FLAG went off. I called WELLS FARGO and ended up in their Executive Complaints Department. This was also a Red Flag. 

It was at this point I began to feel that my loan was being **offloaded** to a new SUB-STANDARD loan servicer because ISSUES had been identified as a PROBLEM and perhaps Wells Fargo wanted to get it out of their loan portfolio in hopes that any potential troubles would die aka expire. 

Worth noting, when I went to Wells Fargo to purchase a Cashiers Check to send the new Sub-Standard at best, XXXX XXXX XXXX., I was charged {$10.00}. for the cashiers check. I wonder what other monetary fallout I will have now that I no longer have a Packaged Banking Relationship. 

A shocking revelation given to me by the New Loan Servicer was that my loan ( same account number as when my husband was the sole owner ) was now a Conventional Loan backed by Private Investors ; no longer XXXX XXXX. How can this happen? It was not a new loan with a new loan number, but the same loan Serviced by Wells Fargo for years and years. 

In closing, I asked for copies of the LOAN MODIFICATION DOCUMENTS I signed, and one set was sent to me. ( I signed 2 sets, the first as Executrix for My Husband. The 2nd set was me as an individual. ) I only received the me as an individual set of paperwork. 

2 pages in particular jumped out at me as they were SCANNED as of XX/XX/XXXX yet they were signed and dated ( by me? ) on 2 completely different dates in XX/XX/XXXX, yet were part of the paperwork. The nature of the documents were stating I was giving them to make changes due to errors and omissions. YES, each of the 2 documents had Signatures dated in XXXX. 

These documents were of a legal nature and I have no memory of making any additional/multiple trips to the bank to sign additional paperwork. Highly concerned and stressed out as I review and re-review this paperwork that I feel instinctively is not correct on several levels, to include ethics and compliance.