Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings, This is in reference to many Consumer Financial Protection Bureau complaints that I filed against Wells Fargo to include the recent complaint filed under XXXX. 

I received Wells Fargo 's response XX/XX/XXXX letter to my complaint XXXX. 

First, I would like to point out that I have not lived at the address that Wells Fargo used in the XX/XX/XXXX dated letter in about a DECADE. I'm not sure why confidential/sensitive material was sent to an inaccurate location especially considering that all previous correspondence from Wells Fargo has XXXX sent to my XXXX XXXX XXXX MD address on file. 

This is not the first error/issue that Wells Fargo has made in the handling of my mortgage account/treatment towards me. 

Throughout this mentally-taxing and stressful ordeal, I repeatedly stated and provided evidence to the fact that I lost my home because of Wells Fargo 's unethical, illegal, and discriminatory mortgage practices. 

I was proactive and reached out to Wells Fargo on several occasions PRIOR TO and DURING COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. 

Wells Fargo refused to help me, a XXXX years HONORABLY RETIRED and XXXX XXXX MILITARY VETERAN, because of the XXXX of my skin! 

Instead, Wells Fargo initiated foreclosure proceedings on XX/XX/XXXX and ruined my credit rating. I was FORCED to sell my family home. It was a TREMENDOUS loss emotionally, physically, and financially. Wells Fargo kept making previous comments that they did not do anything wrong despite my many documented complaints about their mortgage practices. 

Please see the additional attached documentation that reflects conflicting statements from Wells Fargo and the grave harm that I'm still experiencing from Wells Fargo 's actions. 
- XX/XX/XXXX Wells Fargo letter depicting the programs ( repayment plan, deferred payments, loan modification ). I wanted to discuss and be enrolled in one of the programs. Instead, Wells Fargo put me on forbearance. 
- My XX/XX/XXXX appeal package which was in response to Wells Fargo XX/XX/XXXX letter denying a modification and shortsale because they stated I DO NOT have a qualifying hardship due to my income. Among other items in this appeal package, you will see that Wells Fargo FALSELY reported to the credit bureaus that I was {$120000.00} past due on my mortgage. This greatly affected my credit scores, left a lasting effect for years, and prevented me from seeking assistance from other lenders. 
- XX/XX/XXXX Wells Fargo letter depicting their assistance to help me by forcing me to shortsale despite offering me the programs in the XX/XX/XXXX letter. This also conflicts with their XX/XX/XXXX letter that states that I do not have a qualifying hardship because I have enough income. 
- XX/XX/XXXX Wells Fargo letter that reflects an evaluation of my home due to Wells Fargo 's quick action to force me to do a shortsale. 
- XX/XX/XXXX Wells Fargo letter stating that they do not offer the product or program reflected. This statement conflicts with the programs that was offered in the XX/XX/XXXX letter. I reached out to Wells Fargo in XX/XX/XXXX for help. I met their credit requirements prior to their XX/XX/XXXX letter and prior to Wells Fargo reporting false information to the credit bureaus. 

I have provided evidentiary facts of the treatment that I received from Wells Fargo. I have humbly asked many times for assistance and have been wrongfully denied. 

I have done my due diligence to try to resolve this matter with Wells Fargo. This has been an unnecessary ordeal that I'm still experiencing and has greatly triggered my XXXX XXXX 

I want all ( civilian and military community ) to know my experience with Wells Fargo as a human being, an XXXX XXXX, a law-abiding citizen, and a XXXX years Honorably Retired and XXXXXXXX XXXX Military Veteran.

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