Consumer complaint received 2023-07-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Day to You Counselors : I hope that this communication finds you and your colleagues in good health and fine spirits. 

This inquiry concerns a property that was foreclosed upon by Wells Fargo in the fall, of XXXX ( XXXX XXXX XXXX XXXX / XXXX, DE XXXX ). After these proceedings were conducted and Wells Fargo, their agents and or contractors took possession of this property - several robberies took place. These events were detailed in several police reports sent to the local State Highway Patrol office for investigation. As you may have gathered, this is a fact finding mission. 

My attorneys have instructed me to reach out to Wells Fargo in order to expedite this process. To wit, I am requesting the following documentation. We shall expect a detailed response within 15 business days, by XX/XX/XXXX. These responses should be transmitted electronically. 

Please submit the following items. 

1. Timeline of events concerning the property for the year preceding the foreclosure and three months after the date the proceedings were completed 2. Copies of of declarations, advertisement or solicitations that indicated that the property had been made available for resale 3. Names, contact information of agents or contractors associated with the resale of the property 4. Names and contact information, financing arrangements/ terms offered to the new buyer 5. Appraised value of the property at the time of foreclose and at the time of resale 6. Copy of contract issued to subcontractor ( s ) to Winterize the home 7. Copy of background and credit checks for the winterizing contractor ( s ) 8. Photo ID for the winterizing contractor ( s ) 9. Drug test results for the winterizing contractor ( s ) 10. Winterizing contractor 's vehicles - year, make, model, color, and license plate numbers 11. Copy of completed work log / invoice submitted by the winterizing contractor ( s ) Warranty? 
12. Copy of Insurance / Bond covering the winterizing contractor ( s ) 13. Copy of Skills Certification awarded by an acredited agency 14. Finger prints/ DNA to compare with samples taken by State Highway Patrol My attorneys have invoked a simple checklist in order to clarify this matter. 

Regarding culpability here are the key determinants : Motive/ Access / Opportunity - ability to act illegally under the guise of official authorizations. It should be noted here that the State Highway Patrol found no indications of forced entry.

With this observation in mind, we are also requesting that Wells Fargo please submit the following similar items relating to the subcontractor who was employed as the Locksmith for these proceedings. 

1. Copy of contract issued to subcontractor ( s ) to install new locks at the home 2. Copy of background and credit check for the locksmith contractor ( s ) 3. Photo ID 's for the locksmith contractor ( s ) 4. Drug test results for the locksmith contractor ( s ) 5. Vehicles Locksmith contractor - year, make, model, color, and license plate numbers 6. Copy of completed work log / invoice submitted by the locksmith contractor ( s ) Warranty? 
7. Copy of Insurance / Bond covering the locksmith contractor ( s ) 8. Copy of Skills Certification awarded by an accredited agency 9. Finger prints/ DNA to compare with samples taken by the State Highway Patrol My attorneys have informed me that adopting a Win Win approach is often more productive than immediately Lawyering Up. It is our hope that Wells Fargo accepts this wisdom as we negotiate a mutually acceptable resolution that facilitates the recovery of a six-figure loss. 

Please advise me. 
May you have a bright and productive day.

Good Day to You Consumer Protection Team : I hope that you are experiencing a relaxing holiday. 

I am writing to you as a former Wells Fargo mortgage holder. 
As of this date I have not received notification of my eligibility nor inclusion in the recent {$3.00} Billion settlement with Wells Fargo. ( For mortgage loan borrowers, damages might be owed for wrongful foreclosures, incorrectly charged fees. ) XXXX XXXX XXXXXXXX During the fall of XXXX my home was foreclosed upon by Wells Fargo ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ). However, Wells Fargo failed in their responsibility to perform due diligence as required by law and their internal policies and procedures regarding this foreclosure. 

Specifically, I never signed any paperwork that would have authorized or facilitated the take over of my home. Nor was I requested to sign for any notifications that could have been delivered by mail. 
In addition, I am unaware that the normal offer of payments for the surrender of the deed was available. Moreover, I am unaware that a payment for moving expenses was ever on the table. 

To add insult to injury, during the foreclosure proceedings, Wells Fargo failed in their fiduciary / stewardship obligations after having vouched safe for the homeowner 's property in, and on the premises. While under the stated protection of Wells Fargo, several robberies were committed or facilitated by contractors employed by Wells Fargo. These thefts resulted in nearly a six-figure loss. 

My complaint is that my home was taken unfairly illegally, without the completion of the due process to which I was entitled. My intent is to recover my home or be paid at least the minimum market value of this home. This residence is currently valued at more than {$500000.00}. 

Also, I am seeking to recover the nearly six-figure loss of the contents stolen by Wells Fargo contractors . You will find attached a letter, now on hold, written to Wells Fargo regarding this issue. 

I appreciate your time and prompt attention to addressing these irregularities. 

Please advise me.

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