Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX-20 Wells Fargo agent XXXX entered me in Cares Act Forbearance Program for months XXXX XXXX XX/XX/2020. XXXX confirmed forbearance months are tacked on to the end of the life of original loan. Confirmed no notation or Ding in credit score. 
Days later I received letter confirming enrollment of forbearance program. 
XXXX-20 spoke with Wells Fargo agent XXXX then to agent XXXX about extending forbearance on months XXXX XXXX and XXXX. XXXX gave me confirmation but also explain forbearance automatically moves forward unless borrower calls to say stop. 
XXXX-20 Wells Fargo agent XXXX from Collections called threatening me with foreclosure, saying I was delinquent on mortgage payments for months XXXX XXXX XX/XX/2020. Agent XXXX said she had no notation of forbearance program XXXX XXXX and XXXX and no details of XXXX XXXX and XXXX extension. She harass me and scared me about foreclosure, delinquency, and bad credit, so fearfully I paid immediately to her on the phone {$4300.00} reflecting XXXX XXXX and XX/XX/ 2020. I am a senior citizen and have never been late on a bill ever. My credit was great and worked all my life for that. I felt abused by this Shakedown and fearful of my life being ruined I paid immediately creating hardship for myself during covid-19 and not being able to work. 

I was legally enrolled XXXX XXXX XX/XX/ 2020 with confirmation letter from Wells Fargo I did not do anything wrong and to be sent to collections was unlawful and mistreatment of the elderly. 

XXXX-20 spoke with Wells Fargo agent XXXX XXXX voicing my unlawful treatment. She said she would file investigation report. 

XXXX-20 called Wells Fargo Executive offices spoke to agent XXXX XXXX told her about my worry and fear of foreclosure and bad credit. Stated I spoke on to agent XXXX XXXX said she would execute investigation report. XXXX said she had no notation of any investigation report. XXXX said my account reflected I was in the forbearance program and she does not know why collections called me. 

XXXX-20 talk to Wells Fargo agent XXXX XXXX to confirm my account reflects XXXX XXXX and XXXX payments that I was unjustly forced to pay and to Lodge complaint of collections harassment. 

XXXX-20 Lodged complaint with XXXX XXXX XXXX in Iowa against Wells Fargo confirmation letter will be included with this complaint. 

XXXX20 Wells Fargo representative XXXX XXXX contacted me saying she had taken over case and received a complaint from XXXX XXXX XXXX. XXXX said sorry I was mistreated, I was not negligent on payments, and yes I was indeed part of XXXX XXXX and XXXX forbearance program. A simple I'm sorry does not compensate for the distress and hardship financially, they put me in by having to pay in a lump sum. 

Wells Fargo Hustling Shakedown on borrowers legally participating in Cares Act Forbearance Program is unacceptable for a borrower of any age, but particularly cruel for the elderly.

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