Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX or XXXX I hired XXXX XXXX XXXX, XXXX to repair my roof at my home. After they completed the job, I ran into a XXXX XXXX that made me unavailable for XXXX weeks. My phone was down and every attempt XXXX XXXX XXXX made to contact me about payment was unsuccessful. XXXX XXXX then decided to file to put a mechanic XXXX on my property. Shortly after XXXX XXXX made this filing I was able to secure a new cell phone and got in contact with XXXX XXXX and resolved the issue. I spoke with both the owner of XXXX XXXX and the lawyer who filed for the XXXX XXXXXXXX personally and the file and XXXX XXXXXXXX was withdrawn immediately. Never did Wells Fargo or any lawyers from Wells Fargo contact me at any point in time regarding this situation which lasted less than XXXX weeks. But come to find out recently, Wells Fargo charged me over {$4000.00} in lawyer fees regarding this situation that I resolved personally, with the owner of XXXX XXXX and the lawyer who filed the claim. Wells Fargo hid these miscellaneous lawyer costs from me and added it to the amount I owed them and put my home in foreclosure in XXXX. I then filed for bankruptcy still unaware that a major portion of the amount I was behind to Wells Fargo were these miscellaneous lawyer fees for lawyers I never spoke to, they never provided me a service, they never even communicated with the courts, and no judge had even been assigned to set a hearing, yet they charged me thousands of dollars for a claim that was withdrawn less then a couple weeks after it was made. Fast forward to now it is XXXX and after 3 years of bankruptcy I had my bankruptcy dismissed. Right before I had my bankruptcy dismissed I owed alittle over {$6000.00}. After I dismissed my bankruptcy the amount I owed ballooned all the way to over {$13000.00}. I was irate when the amount I owed increased by such a large amount in a matter of days that I filed a complaint with CFPB against XXXX XXXX who bought my mortgage from Wells Fargo during my bankruptcy in XXXX. Ever since then I have personally investigated how the amount I owe is over {$12000.00} when I paid over {$36000.00} into my bankruptcy since XXXX and I was under the impression that I was only XXXX or 4 months behind my mortgage with Wells Fargo when I originally filed for bankruptcy in XXXX. This investigation led me to uncover that Wells Fargo added these hidden lawyer fees for the XXXX XXXX XXXX misunderstanding by charging me full price for their in house lawyers who did absolutely nothing to deserve that money on my behalf or Wells Fargos behalf because I handled the misunderstanding with XXXX XXXX and their lawyer. In addition to hiding these thousands of dollars in miscellaneous fees and lawyer costs, Wells Fargo attempted to take my home through foreclosure, which led me to file for bankruptcy in XXXX, and 1 year into my bankruptcy, Wells Fargo attached these ambiguous fees to my loan and sold my loan to XXXXXXXX XXXX  without informing me and only informing my bankruptcy attorneys who unwittingly just assumed it was true. Please help me uncover Wells Fargos illegal practices in charging me lawyer fees for a situation where their in house lawyers did nothing.

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