Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The information below is the original complaint I filed. Please escalate this complaint because Wells Fargo is doing the same thing they did to me which caused a problem with my loan and later they refused to modify my loan. They NEVER offered me a modification. Again, I have phone recordings from their employees saying they didnt understand why WF didnt put me in a HAMP modification. The employees also state that WF tried to offer me something that was NOT a modification. When I talked to several employees at headquarters, they couldnt believe WF tried to wrap their error into a package. The deal they offered was to increase the amount I owed without correcting their mistake, increase my monthly payments by {$400.00} a month and pay {$3000.00} down. I think I mentioned that my husband died, I was a widow with a XXXX XXXX XXXX child and I didnt have any extra money and is the reason I was trying to get a modification. I was trying to modify my loan to LOWER my payments NOT INCREASE them and keep my son and I in our home. I NEVER signed any papers or made any agreements with WF. I can prove it through LOTS of recordings. Please have someone OTHER than WF Representatives to contact me please. Then I will provide EVERYTHING I have to anyone but WF. THEY HAVE NEVER TRIED TO HELP ME OR ANYONE ELSE. Based on how WF handles things, its clear that they discriminate against minorities. 


REPOST : I was one of the customers of Wells Fargo who was denied a HAMP modification. I have not received anything from Wells Fargo. Because I lost my home it would probably be hard for anyone to reach me. Actually, I should have been one of the first people WF reached out to because I fought hard and long to get them to correct my account with excessive fees, etc. Immediately after my husband died, I found out that Wells Fargo messed up my loan by creating an escrow account claiming I owed money for my taxes which had been paid. Also, when I carefully audited my account I found they had added a bunch of unnecessary fees. Wells Fargo double paid the taxes on my home. I contacted each taxing authority to sort things out and get proof, which I sent to Wells Fargo. Even after Wells Fargo received the proof and each taxing authority REIMBURSED them, WF still did not remove or correct the error on my account. Later I applied for a HAMP modification which I was MORE than qualified/eligible to receive and was turned down more than nine ( 9 ) times. I worked with the people that were setup to help with modifications, I even paid people to modify my loan and each time I was denied. No one could understand why I wasn't getting approved. My attorney spoke with WF attorneys and WF 's attorney 's didn't understand why I wasn't being approved. Due to my persistence, at one point my account was handled by executive offices and even WF 's employees could not understand why I wasn't being approved. My home ended up in foreclosure several times and I even filed a lawsuit against Well Fargo and all their servicing companies. I wrote to Washington begging for help! After fighting to keep my home for years, I lost it in 2015 and became homeless. I was separated from my son and basically lived on the streets with my 2 little dogs. By the grace of GOD my son was able to stay with some friends of his until he graduated high school and went to college in XXXX XXXX. I still have all of my documentation where I filed lawsuits against Wells Fargo and if you XXXX me on line, you can find copies of it. I eventually had to give up the fight because I couldn't afford counsel, didn't have the knowledge or expertise to fight against WF 's team of lawyers and lost my home where I didn't have access to computers, printers or anything else needed to fight. The shocking and amazing part of my story is that I was able to help 20 people to modify their loans and get approved for a HAMP modification... ..but couldn't get mine approved. The people I helped were in a worse situation than I was ... .but, they still got approved.

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