Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To be clear I did not apply nor did I forego my inheritance XXXX. Refinancing and Loan Modifications Purpose : These modifications aimed to adjust the terms of an existing loan, such as interest rates or payment schedules. 
Executed by : XXXX XXXX XXXX  XXXX ( XXXX ), a lender who facilitated the refinancing of the loan. 

XXXX. Releases and Reconveyances Purpose : After the debt was repaid, the lien on the property was removed, clearing the title. 
Executed by : Wells Fargo Bank, which filed the release of lien and reconveyance in XXXX ( e.g., XXXX ) after the debt was satisfied. 

XXXX. Substitution of Trustee Purpose : The trustee managing the deed of trust was replaced, ensuring proper administration of the trust. 
Executed by : Wells Fargo Bank and XXXX XXXX  XXXX XXXX, who executed the substitution of trustee in XXXX ( e.g., XXXX ). 

XXXX. Deeds of Trust Purpose : A deed of trust was executed to secure a loan against the property. 
Executed by : XXXX XXXX, a lender who executed the deed of trust in XXXX ( e.g., XXXX ) to formalize the loan arrangement. 

XXXX. Modification of Financing Agreements Purpose : Modifications were made to the terms of a financing agreement, adjusting payment schedules, rates, or terms to accommodate changing circumstances. 
Executed by : XXXX XXXX, which facilitated the modification of the financing agreement in XXXX ( e.g., XXXX ). 

XXXX. Deed Transfers Purpose : Ownership of the property was transferred, likely due to a sale or family transfer. 
Executed by : XXXX XXXX, who transferred the deed to the property in XXXX ( e.g., XXXX ). 

XXXX. Legal Requirements and Adjustments Purpose : Legal action was taken in response to a tax default, ensuring the propertys status was properly documented. 
Executed by : XXXX XXXX XXXX, which filed the Notice XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ( e.g., XXXX ). 

XXXX. XXXX XXXX or XXXX XXXX Purpose : Changes were made to the estate planning documents to reflect the new distribution of assets. 
Executed by : XXXX XXXX, who was involved in the deed transfer process related to the family trust in XXXX ( e.g., XXXX ). 

XXXX. Settlement or Satisfaction of Debts Purpose : The legal record was updated to reflect that a debt had been fully settled and no further obligations remained. 
Executed by : XXXX XXXX XXXX, which filed the Acknowledgment of Satisfaction of XXXX in XXXX ( e.g., XXXX ). 

XXXX. Transfer of Ownership Purpose : The ownership of the property was transferred, either as part of a sale, gift, or inheritance. 
Executed by : XXXX XXXX, who executed the deed transfer in XXXX ( e.g., XXXX ). 

Summary : While you were the party impacted by these actions, the actual modifications were executed by various entities, including XXXX XXXX Mortgage XXXX, Wells Fargo Bank, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, who handled the financial transactions, property transfers, and legal filings related to your situation.

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