!@#%!#$^%!# Wells Fargo
I will never again get a loan through Wells Fargo (at least not until all the other banks have similarly pissed me off and I have nowhere else to go).
When my wife divorced her ex-husband, she got full ownership of the house. The divorce papers stated so. She and her ex-husband signed a Special Warranty Deed, stating in detail that the house was hers, along with the loan, and all other monies (escrows, deposits) associated with the house. The deed was signed by a notary, and filed at the county courthouse. Everything was nice and official and legal.
Because of the fees that Wells Fargo would have charged to change the loan to her name, and because her ex-husband was renting and having the loan in his name wasn't doing him any harm, my wife didn't make it a top priority to get the loan in her name. However, when we decided to move last summer and put the house up on the market, we decided that we ought to get it done so that there weren't any problems when it came time to close on the house. Well, my wife talked to one of the loan officers at Wells Fargo, showed him the Special Warranty Deed, and he told her not to worry about it. He said the deed was official enough, and there was no reason to pay the fees since we were just going to to be selling the house, anyway. We thought we were in good shape, and figured everything would go smoothly when we finally sold the house. We were wrong.