Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Problems with, Wells Fargo Mortgage Company, We got our Mortgage back min, XXXX, we lined up at bank, XXXX XXXX in  XXXX Ohio XXXX, We got our loan, about 2 to 3 months later, our note was sold to a XXXX XXXX, after we had already been paying on our mortgage for about, 12 to 13 years, we got a notice, that now our note had been sold to [ [ very unfortunately ] ] to Wells Fargo Mortgage, in the early, XXXX 's I believe XXXX and also XXXX, I believe the mortgage rates had been dropping, apparently, Wells fargo mtg, must of been worried about loosing customers,? They offered us a lower interest rate, with no up front costs, we thought that was wonderful, but, unfortunately this wonderful company, wells fargo mtg. went ahead and put us back to a 30 year mtg, with out asking us, as we all know, that is when they make their higher profit, we paid, {$51.00} for our house, back on, XX/XX/XXXX. I found papers, stating that our mortgage note, was at XXXX, I remember one time we took out a {$15000.00}, cash out, but not what is shown here, paper had a signature of a, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, There is no notary stamp, with our signatures on it, for this transaction,? Loan Tax I, D, # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. another paper I have dated, XX/XX/XXXX, I believe this was one of the refinance, at a lower rate by a XXXX XXXX XXXX This I believe was in CA, which we never have been? Now a more recent transaction, This is regarding, I believe we anted to tryand pay off our note sooner, so we took out a 15 year lone, I have in front of me now, paper that wells fargo Mtg, sent to us, dated, XX/XX/XXXX, from wells fargo mtg, closing dept, Letter is staing. that they had to have signed notarized papers in order to complete transaction, wells fargo mtg, called us the next day, regarding the above, their next reply was, don't worry about it, we have taken care of it, well the way they took care of it, is right in front of me, [ [ please remember date of letter they sent us, it was XXXX, Now we have a letter from a, XXXX XXXX XXXX , she signed her name right above the notary stamp, and right next to her name, she put in little tiny numbers, XX/XX/XXXX. Now on that same page, upper right, it has my name, badly forged, [ in my opinion ] XXXX XXXX XXXX, and to the right of my name, also in little tiny numbers just lake the notary did, XX/XX/XXXX, than to the right of my name, is my wife 's badly forged signature, and to the right of her name, is guess what, little tin y numbers, just like Miss XXXX did, except this time, instead of having forward slash lines, the numbers have, hiphens, XXXX, maybe to try and trow people off??? Now, how could wells fargo mtg, have signed papers dated, 11 days before the letter they sent us??? we are not done yet, we some how have another notary for the same transaction, but this one is dated, XX/XX/XXXX, which is only 3 days before we got the letter, stating they had no signed papers for the above trans action this notaries name is, XXXX XXXX, after reading all of the remarks from a Miss XXXX 's interview 's, asking a mr. XXXX  I think it was, there were several times mentioned about wells fargo mortgage, admitting, forging clients signatures, And, today, we got a call from a, XXXX XXXX, from wells fargo mtg, Executive resolution Specialist, he had been calling us several times, as we had compliant to wells fargo mtg, about problems with our mortgage, and the way it was handled, When we spoke to a Mr. XXXX, at first a few weeks ago, I had asked him if he had a copy of the letter wells fargo mtg, sent us back on, XX/XX/XXXX, he said he did not have one, and when talking with Mr. XXXX, he all of a sudden has a copy of the letter, [ sort of speak ] as the dates he was saying were completely different from the ones we got from wells fargo mtg, so I guess one could say, they did just as bad of a fake job with the letter we got from them, as they did to us back in, XXXX & XXXX, I an going to try and send you copies of the letters wells fargo mtg sent us back in XXXX, please do not let, wells fargo mtg,  get a copy of these, as these clearly show how they continue to really rip people off like us, [ in my opinion ] My wife and I are XXXX  XXXX, I XXXX, have XXXX XXXX, and live off of a {$110000.00} a year medication, my wife XXXX, is XXXX, she has XXXX  XXXX, and has XXXX XXXX, we were hoping to have our house paid off by the time we became in our XXXX 's. but guess what, thanks to a possible corrupt mortgage company, I guess that will not happen, as we still owe {$31000.00}, and have been making payments for the last 31 years, [ [ Again, the person who called today, and who said they would take care of the problem, is, XXXX XXXX, [ XXXX ] XXXX, I have been trying to find some one, or some organization that could help us, we do not have the money fro a lawyer, right now, I am paying {$1000.00} a month, even though our mortgage payment is only, {$680.00}. trying to get the note paid off sooner.? Please, Please, help us, or point us in the right direction, Thank you in advance, God bless, Sincerely ; XXXX & XXXX XXXX.

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