Consumer complaint received 2026-07-07 00:00:00
Product: Mortgage — FHA 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
State: LA

Complaint narrative:
Account Details : Property Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Parish : XXXX XXXX, Louisiana Summary of Events & Actions Taken : XX/XX/XXXX ( Divorce Court Judgment ) : My final divorce judgment was signed and filed in the XXXX XXXX XXXX XXXX for the Parish of Ascension ( Deed # XXXX ). The court explicitly ordered that my ex-husband, XXXX XXXX, XXXX 100 % of his community interest to our three children, completely divesting himself of any rights to the property. Bankruptcies & Reaffirmation : My ex-husband filed for Chapter XXXX bankruptcy and his personal liability for this mortgage debt was permanently discharged by a federal judge. I subsequently filed for Chapter XXXX bankruptcy and fully executed a Reaffirmation Agreement, making me the sole individual on this planet personally and financially liable for this mortgage loan. I have been making 100 % of the payments on time by myself for the last 17 years. XX/XX/XXXX ( Title Records Updated ) : The XXXX XXXX Tax Assessor officially updated the 2026 Parcel Listing ( Parcel # XXXX ), recognizing myself ( 50 % owner ) and my three children ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owners ) as the sole legal titleholders of the property. XXXX XXXX is completely absent from the parish land and tax records. XXXX XXXX ( Wells Fargo Interaction ) : I contacted the Wells Fargo Assumption Department to have my billing statements and account profile updated to remove my ex-husband 's name, as he has no legal right to the home and no financial liability to the bank. I provided Wells Fargo with his bankruptcy discharge, my reaffirmation paperwork, the divorce decree, and the updated parish parcel listing. The Issue/Bank Action : Wells Fargo assigned a complaint investigator who spent two weeks reviewing the file. Despite having clear proof of a federal bankruptcy discharge and a state court divestment, Wells Fargo came back and insisted that I must complete a standard loan assumption or provide a XXXX Deed/Release of Liability signed by my ex-husband. Against my explicit instructions regarding a total lack of communication, the Wells Fargo representative tracked down and called my ex-husband. He explicitly told Wells Fargo to leave him alone and confirmed his name should have been removed long ago. Resolution Requested : Wells Fargo is maintaining a completely impossible checklist bottleneck. They are demanding a property signature from a man who legally owns 0 % of the home, and demanding a financial liability release from a man whose liability was already erased by federal bankruptcy court. Because I am a legal Successor in Interest and the sole liable party via my bankruptcy reaffirmation, I request that Wells Fargo immediately bypass their generic checklist, accept the recorded court and parish documents, and permanently remove XXXX XXXX name from my mortgage statements and account profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation