Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX Wells Fargo filed for foreclosure. Stating payment due for XX/XX/XXXX, after forbearance agreement expired. My divorce final of XX/XX/XXXX Ex-spouse abandoned the property XXXX start of divorce. Wells Fargo located him as a XXXX  residence and served him there. I am a XXXX of XXXX. The company refused after years of me advising them of divorce and XXXX  XXXX victim. Please send all statements and info to me. They continue to state I am not on the note/mortgage. I advise I on warrantee deed XXXX later have a quit claim deed in XXXX. My XXXX. have ignored the divorce decree orders, nevertheless I forward them XXXX forbearance agreement under XXXX XXXX. It extended to XX/XX/XXXX. No one ever signed any of Wells Fargo forbearance. All mail was sent to my XXXX. I was not privy. At present day I ask them to stop foreclosure proceeding which I replied to notice as his Ex-wife and wasn't aware of any proceeding. Once I was served, I replied. In XXXX I became ill with XXXX XXXX XXXX and XXXX XXXX. I explain I could not read their papers and was denied eyeglasses and XXXX need XXXX to place case on hold until medications work. I have signed the papers for successors of interest, and they have all modification data needed to succeed. I advise XXXX was ordered by XXXX court to credit accounts with XXXX a pay mortgage on XX/XX/XXXX. Please send me copy of credit as Its not on account. I also as why payments increased from {$XXXX}. a month prior to forbearance and what was on statement to now after I become successor of interest and states clearly, I plan to rebuild as always since storm to {$XXXX}. a month. The plan shows it suppose be decreasing to around {$XXXX}. Then I advised in my reply to courts Wells Fargo have no standing to foreclose. The company as of XX/XX/XXXX was granted a summary Judgement. I sent letter they advise final Judgement next. I believed they stopped the matter since they had all my income and request, they needed supplied. I advised my housing XXXX is XXXX and forward to them completed XX/XX/XXXX. My health is better, and my XXXX appointment was XX/XX/XXXX for new blood work. I am now waiting for optimal appointment as still glair but can see enough to what they paper actually state while moving for final Judgement then sherif sale. On XX/XX/XXXX XXXX XXXX XXXX {$XXXX}. XXXX recorded with county {$XXXX} note Paid in full. XXXX issued a new Loan ( # XXXX ) and mortgage total now at XXXX interest rate to {$XXXX}. recorded XX/XX/XXXX. They filed a reconveyance back to homeowner paid in full. My XXXX. quit claim deed he checks the box he owes no mortgage to state of XXXX  affidavit. Wells Fargo submits a XXXX affordable Modification agreement supposedly sign by XXXX XXXX. XX/XX/XXXX with a cash out as the mortgage supposedly decreased interest rate to 2  % totals XXXX with payments of {$XXXX}. a month beginning XX/XX/XXXX. XXXX yrs ( XXXX  month ) XXXX yrs, {$XXXX} for ( XXXX  months ) then {$XXXX} for XXXX  months XXXX yrs. Now they appraised for over {$XXXX}. After finally able to review the documents as my eyes improved. It appears the new loan was not secured by a note. The modification dated XX/XX/XXXX they attached to the XXXX loan number ( XXXX ) and called it a second note??? The issue is the note must be in full possession and mortgage at time of filing foreclosure, or it can not be foreclosed. The note is separated from the mortgage. Its XXXX loan numbers. XXXX was not merged with Wells Fargo at time of closing XX/XX/XXXX. You can not retroactive a modification XXXX  years later on XX/XX/XXXX to XXXX loan number ( XXXX ). They were XXXX different entities. Wells Fargo did not acquire XXXX until XX/XX/XXXX. Hence, they did not secure the new loan # XXXX which is not recorded. Only company can modify a loan is the company that written the original mortgage/note. They recorded a reconveyance. Hence the loan is actually paid in full to XXXX. One can not mix apples and oranges. The loan number ( XXXX ) was issued XX/XX/XXXX after refinancing without a note attached is the subject they are trying to conceal. the foreclosure notice filed in court belong to XXXX for {$XXXX}. The loan number under the note XXXX ( XXXX a XXXX ) mortgage belong to XXXX. XXXX different entities and illegal to simply attach XXXX  years later in XXXX a modification to original note which actually was a refinance, hence new loan number. It will be fraud. The note is separated between the XXXX loan numbers. Wells Fargo customer service refuses to send me full file as per requested and all above. Advised me once I became a successor I can have access. They have not provided what requested. Too many phone calls and different representatives. A few weeks ago, after faxing them XXXX pages of data, the representative told me I could not use my daughter 's income as contributor as she must live in the house. I advise its over {$XXXX} Shes a nurse and my brother income as well. then I ask why requesting all the information and not reading the hardship form for financial support? there is no house. I have been jumping from couch to couch since storm XXXX. State of NJ failed me. The home is completely gone from the storm. I have been using my RV to sleep there, then to mobile home, now to daughter. it's sad, it has caused hardship, XXXX, anxiety etc. I feel as a XXXX female Wells Fargo have ignored all my request since XXXX when I first continue to ask them to allow me to take over the loan, as XXXX XXXX. had no interest, and I filed for divorce for domestic XXXX. I advised I have architecture drawings and completed. House demolished. I also requested modification papers or assumptions and financial support. It appears soon it will be on sheriff sale as they moving forward it seems. I have asked the courts and put on notice my health conditions, but the motion will be coming up or maybe in the mail, Wells Fargo applied for final Judgement. lastly, I ask Wells Fargo to send me copies of green/certified card that XXXX XXXX. did in fact received their final summary motion as on papers it was sent to XXXX XXXX  and he's a residence of Florida. I then ask if they can send the modification assumption request form, he needs to sign off on approving I can take over the mortgage to his Florida address. I can not call, text or email him as he will say I am harassing him, and he have not been cooperating since XXXX. I reminded them its them who discovered his Florida address and they promise they will send the letter via email on record as only he can update his address. It's not fair as they seem to serve XXXX XXXX. in the state of XXXX  with foreclosure documents and yet continue to send notices to XXXX, XXXX  old address. My XXXX XXXX copied me the email of the form address to XXXX, XXXX  giving XXXX XXXX. until XX/XX/XXXX to sign and return back. Wells Fargo advise me if he don't sign by XX/XX/XXXX I will not be approved for the modification. I text him and he was abusive. I ask Wells Fargo for copy of that same form via email addressing XXXX XXXX so I can take before a XXXX and compel him to sign. they couldn't give me at all. Again, it's my belief Wells Fargo have no standing to foreclose. What we have is XXXX loan numbers which requires XXXX separates " notes. Mainly a security instrument securing loan ( # XXXX ) is missing. Their cover up or deceit actions for their own huge negligence It's unfair practice and bad faith. further it has placed me as a rightful owner in a hardship position.

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