My husband died suddenly in XXXX. We held our house in joint tenancy with rights of survivorship so that the house passed to me directly by action of law, but I was not on our Wells Fargo mortgage. I had been named on all of our previous mortgages, but was not on this XXXX as I was not working when we refinanced and it was more convenient for my husband to take care of it without me. He was only XXXX when he died, and we did not foresee the complications this would cause me. I have been trying to get my name substituted in on the mortgage, but have been told I would have to prove my ability to repay, a months long process which would include a fee. I told the company this was not legal and asked that they speak with my attorney, but they have refused as my deceased husband has not authorized them to speak to my attorney. I have sent them his death certificate as well as a copy of the XXXX XXXX, 2014 CFPB ruling stating that in cases like mine the ability to repay rule is not triggered, and supporting my desire to be added to the mortgage as an obligor without qualification or fee, and all I have got back from them so far is letters to my husband who they know is deceased telling him they are reviewing my inquiry. This little mental gymnastic they are doing is ridiculous and insulting. Also, I think its a pretty neat trick that they feel as if they can do whatever they want and refuse to talk to the attorneys of the people they are wronging while doing it. I think that Wells Fargo is violating my rights and I would like them to be made to act more ethically and sensitively. The letters to my late husband are just the last straw. 
