Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Recently during attempting to take out a home equity loan against my property at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX I was made aware of a partial claim filed against me in the amount of {$3900.00}. Upon further investigation I became aware that this partial claim was from a FHA Hamp loan modification back in XXXX. 

In XX/XX/XXXX I contacted Wells Fargo asking to refinance my home. After a divorce in XXXX I was simply wanting to refinance in my name only and to have my ex husbands name removed from loan. I was awarded the house in the divorce degree. I was not behind on payments the only payment I owed was the XX/XX/XXXX at the time in the amount of XXXX. Instead of refinance I was told to try the FHA Hamp loan modification and that the process would be much easier. I was then told to start making payments XX/XX/XXXX in the amount of XXXX for the next 3 months. Upon successfully making the modified payments the final loan documents were supposed to be sent for my approval and signature. 

After completing my 3 months I was sent the first round of paperwork at the end of XXXX that state there was a partial claim for XXXX which was acceptable and made sense. However signing did not go as planned and this 1st set of paperwork was followed by a string of mistakes from Wells Fargo. 
1st my ex husbands name was on final documents i was told not to sign and they would redo them 2nd set ex husbands name was still on there. I was told to get a quit claim deed and to leave his signature areas blank and with the deed when I returned paperwork they would simply remove his name when typing up the final 3rd former did not work I was told they would have to draw up new paperwork removing his name and have me sign again which they did Get a call saying that the legal address was incorrect there was a typo 4th set corrected legal address and ex husbands name removed. 
Called and told that the notary stamp was illegible 5th set signed again and notary bad sure that all stamps were perfectly legible Finally in XX/XX/XXXX I was informed paperwork was fine and modification was complete. This entire time I was making reduced payments of XXXX and the entire time none were being reported to their billing department. I attempted several times to explain to wells fargo billing that i was in the middle of modification and my payments were being made to that department but they kept telling me that they were not being reported. The person handling modification assured me that when modification was complete that all billing would be updated. Meantime my mortgage was reported to credit bureau as being delinquent and they had started threatening foreclosure. Needless to say everything did not get reported to credit bureau after modification was completed and this cost me over XXXX points on my credit score. 

Further and the main point is that apparently my once XXXX partial claim from that XX/XX/XXXX payment turned into a claim of {$3900.00}. Upon researching it says that they were not allowed to charge closing costs. 

I have contacted Wells Fargo to file a complaint and received a response from a XXXX XXXX  case # XXXX in which he did not even research this modification from XXXX instead he looked into my current payments I am making this year. Which how he made this error is beyond me. I called his office and asked the lady I spoke with to please have look into the modification that I filed the complaint on and not what my current payments were. She apologized to me and said she had noted the account and I have yet to hear further. 

Please email or call XXXX XXXX with questions or tell me who else i should be in touch with to resolve this matter. 

XXXX XXXX Can upload all documents from modification at request. Currently without a way to do so from home

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