Consumer complaint received 2025-09-09 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo and Hud Servicer XXXX have a withheld a portion of my home sale proceeds when my house was sold on XX/XX/XXXX by not properly maintaining the expired HUD Partial Claim Deeds, left on my account when new ones continued to be created. 

They showed a lack of fair practices and consistent protocols when services previous HUD partial claim deeds in succession of XXXX another creating an incorrect account balance due to expired liens left on account despite urgent request to remove them due to pending home sale. 

My Complaint is against Wells Fargo Home Mortgage-Enterprise Complaints Management Office and office of HUD and their contractor who serviced my FHA loan XXXX. Each one of these entities blames the other for the issue I am having. 

And they both refuse to act any further. HUD who is responsible for not removing expired Hud XXXX XXXX deeds prior to creating a new one. HUD escalations said they did nothing wrong. But fails to acknowledge what they actually exactly did and why they did what they did with only XXXX of XXXX removals of HUD Partial Claims Deeds. 

There has still not been an investigation of the HUD Partial Claims that were left on my FHA loan despite Wells Fargo indicating the HUD partial claims deeds were to be removed as expired. 


I am requested XXXX HUD Partial Claims Deeds to be also released/reconveyance, and then that combined amount would create a credit on my FHA loan account and result in a refund due me. in the amount of {$38000.00}. 

WF/Escalation has run around the issue for the past 4 years but recently indicated the responsibility of the lien releases is the HUD 's contractor. But Wells Fargo needs to grant the refund per the current HUD contractor. 

HUD Servicer ( XXXX ) -terminated, did not remove or service this XXXX account timely and left old, expired HUD Partial Claims on my XXXX XXXX XXXX was in the process of selling home, after being told by Wells Fargo, there were XXXX XXXX. XXXX only XXXX XXXX of the XXXX HUD XXXX XXXX and refused to complete the lien releases which would create a refund for the home seller. 

Resulting in financial injury to the home seller and homeowner XXXX XXXX XXXX in the amount of {$38000.00}. I am asking for a refund of that money that was taken at the time of my home sale. 

I am requesting the HUD XXXX XXXX funds from the years XXXX and XXXX be refunded to me within XXXX weeks in the amount of {$38000.00}. 

My Wells Fargo file contains a letter dated XX/XX/XXXX that my loan payoff amount was ready for payment to Wells Fargo in the amount of XXXX. And if needed I would get a refund from HUD. And I was told verbally by Wells Fargo that there were no active liens on the title. 

A few days before closing the liens were discovered by the seller. When I contacted Wells Fargo Home Mortgage they told me not to worry and Novad the HUD servicer was now in the process of removing them all since they were not valid liens. And if not in time for the scheduled home sale, I would get a HUD refund. I am still waiting for Wells Fargo on behalf of FHA and HUD, to request a refund to me in the amount of {$38000.00}.. 

Ive attached : the only XXXX release on file I could find in Arizona, from XX/XX/XXXX, a HUD Partial Claim Deed which was removed, on XX/XX/XXXX by XXXX XXXX XXXX. ( see attachment ) It is the only XXXX registered in Arizona. Although there are XXXX liens removed on the same day of XX/XX/XXXX. XXXX refused or erroneously left the remailing HUD Partial Claim deeds on my account without explanation. 
My home sold on XX/XX/XXXX with XXXX of the XXXX HUD Partial Claims deeds still listed. Taking over {$40.00} in my home proceeds. 

XXXX has also failed to record all these released XXXX documents in Arizona. 

Below are the HUD XXXX Partial Claims Deed from XXXX that were placed by Wells Fargo XXXX XXXX course of 17 years of workouts. All partial claims are not actual money owed, they are inflated amounts used as deposits until loan payoff or new modification takes place. 

I had several modifications from HUD. With each modification created, the previous loan modification should have been closed with conveyance/release. XXXX began releasing the liens, then stopped and refused to complete them. 

XXXX XXXX HUD partial claim- Released by XXXX XX/XX/XXXX XXXX XXXX Second HUD partial claim-Not Released no reason given. {$11000.00} XXXX XXXX HUD partial claim Released by XXXX XX/XX/XXXX XXXX XXXX HUD partial XXXX Released by XXXX XX/XX/XXXX XX/XX/XXXX HUD partial claim Released XXXX XXXX XX/XX/XXXX XX/XX/XXXX HUD partial XXXX Released by XXXX XX/XX/XXXX XXXX XXXX HUD partial claim Not released No XXXX given. {$26000.00} XX/XX/XXXX HUD partial claim Not released No reason given. {$1800.00} Thank you for your time and attention I really appreciate your help!

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