Consumer complaint received 2022-02-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Dear ladies and gentlemen, please help us STOP FRAUDENLANT FORECLOUSURE to our home this month, this issue was reported before to your agency, and the bank refused to speak to me to resolve it : I have an EMERGENCY my veteran XXXX yrs. old military veteran husband ( just received his death certificate, and remains ), recently passed from XXXX and XXXX XXXX, suffered/battled with it for a long time, he passed away on XX/XX/XXXX, and I am now a minority widow mother of a child with medical needs who is suffering from her dads lose, and now the elder and minorities injustice/inequality that WellsFargo Bank NA is burden us with ; I urgently need your assistance to stop a FRAUDELANT foreclosure process WellsFargo Bank NA is put in our family home ( something we just recently found out about, through a broker who came by the property to offer nothing for the house ) for this month after my husband passed, for an equity loan he was tricked into taking against our home where they manipulated the % rate so high that we never paid for decades but just {$10000.00}, I was never informed of all the details about the high fluctuating %, or that the home was used to insure the loan. 

After XXXX, I visited WellsFargo Bank XXXX XXXX XXXX XXXX, XXXX XXXX FL and spoke to a manager male individual, middle age, XXXX who told me that a letter a received where the load was going to mature, was NOT anything to worry about, that it will be renewed, later on I received a letter that it was NOT going to be renewed, that is was passed due, and I went to speak to them again, call on the phone, and to this day I have proof of the many attempts I have made to speak to WellsFargo Bank NA and they have ignored my desire to resolve and take over the load, have NOT spoken to me, or address anything to me only to my XXXX yr. old sick husband, and when he attempted to talk them, they would not return the call or give him options on how to discuss and resolve the account issues with me ( we were separated at the time he tried numerous times to talk to them, did not have transportation to visit a bank, called on the phone ), and continued the process where they wanted to just steal the home. 

1 ) I have been denied of resolving the issue with the loan, numerous times, through emails/phone calls/in person bank visits/court where I was told they could NOT discuss the account with me only with XXXX, but then they would NOT help XXXX about giving me full permission to discuss the account ( also the contract signed for this home equity has my signature and the home is in my name ), I have been intimated as a minority to the point that I had to hide and go incognito into the bank to make loan payments, in one instance ( I have the name of the woman managers, and her business card, at the XXXX XXXX  XXXX Florida branch ) where she threw me physically out of the bank because she refused to take the payment for the loan before they managed to put a foreclosure process in the property, because the idea was that I would stop making payments on the loan so they could steal our family home. 

2 ) I have made ALL payments, on time for this loan, and WellsFargo Bank NA still went to court to state that I did not, which is incorrect and a lie, I have sent out a letter from my bank to the court in XXXX with all the payments made and cashed on time by WellsFargo Bank NA, I can get another letter up to date where the money has been drawn out of my account, and still this bank is claiming that I have not paid for it, and refused to speak to me to resolve it, and allow me to take over the loan as a low % rate due to the XXXX emergency we suffered and have been affected by where the government offers those VA loans to those who are affected, like our family is, and instead have added large penalties, fees, interest for payments they received and I can prove I made them, I want WellsFargo Bank NA to STOP FORECLOSURE on our family home today as they are incorrect about it ( I had to hire an attorney who depleted my credit card charging high rates that I could not afford and did nothing for us ), and offer us the VA Servicemembers Civil Relief Act ( SCRA ) offers and protections put in place by our government take out ALL the fraudulent late charges, fees, attorneys fees, and % immediately that they claim they incurred for no payments received which is incorrect and a false, my child is suffering from just thinking that she will loose the home she loves and intends to live in until she finishes school, she has severe XXXX  and XXXX from it, and fear of going outside, loss of appetite, and has had to seek help from a XXXX without insurance, I have been so ill about it myself, have had to go to work every day in fear, XXXX, my XXXX XXXX is very high, suffer from lack of sleep, and my children need me, our health is at risk, and we need help. 

3 ) We have been affected also by XXXX, lost XXXX family members, and now my husbands lose, we as a family need closure, and stress free time to XXXX my husbands remains in a military cemetery where he belongs, something that we have been robbed of due to this fraudulent process that WellsFargo Bank NA has put us through without any regards of our exhausting attempts to resolve it with them or with our bank, constantly bullying us sending spectacles of people to our home to take pictures, walk the property without permission, and leaving us messages, emails to get out and to honor WellsFargo Bank NA claims and turn in the home ; as well as, offering us braveries, to bully us out of the home and leave the keys ( I have the email ( s ) from WellsFargo Bank NA attorney . I never thought the law and our system would allow them to steal our home and abuse their power without a foundation that we are disposable military family and that all my husband fought for, in the end did not work for him and his family, please stop the FORECLOUSE so we can stay in peace, and keep our home, and start an affordable VA low interest loan, and take advantage of the forgiving loan incentive for military deceased service members with children that WellsFargo Bank NA offers through ( SCRA ), and/or banks ask this bank to do the right thing, since they made a huge mistake trying to steal our home under false scams. 

4 ) Property : XXXX XXXX, FL XXXX, XXXX XXXX 5 ) The fees being charged by WellsFargo Bank NA are exuberant the original loan was {$50000.00} hardly nothing was paid with ALL the years of payments, the balance few years ago, until this bank stopped sending us statements, or yearly IRS for our taxes was {$40000.00}, but with ALL the FRAUDENTLANT fees, late charges, and % is over {$55000.00}, when in fact my husband was promised that with the payments we made we would be paying it in 15 yrs. and that was incorrect, and a false. 

6 ) I can provide prove of ALL payments made on time from my bank to pay the monthly payment, husband death certificate ( I just received this week ), military honorable discharge docs., and names of the people I also had communication with that stopped me from resolving this issue, bills paid to attorney to resolve this issue, extreme unnecessary costs incurred by our family ( who lives with a limited income ), due to this ill-fated experience with such an irresponsible bank, who takes advantage of military communities, elder, and minorities without any remorse, or methods to retract errors and painful mistakes to families like us. 

7 ) need to refinance this mortgage and main mortgage for a much lower % rate that I can afford now as a military widow please, using all of the available low-rate opportunities the government offered due to XXXX. 

Respectfully and thank you in advance for your assistance, XXXX, same last name as husband 's Best way to contact me if via email : XXXX XXXX

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