Consumer complaint received 2022-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Regarding mortgage loan acct. no. XXXX serviced by Wells Fargo/WF Home Mortgage .

This letter will serve as a response to Wells Fargos recent communication. We hope that the following statement ( among other we made in the past ) is crystal-clear. We believe to receive full advise and continue to pursue the next step to save the house. 

We learned about mistreatment we receive as well as tactics wrongly applied upon us and disinformation that brought us stress at an unbelievable forms, speed, and acceleration. 

We would like to be clear that we never inform to the mortgage loan servicer regarding the death of borrower. Because it is never true! Although it has been very confusing and we thought we were mindful - but at the same time - opened for honest assistance, not ignorance. 

We do not understand why Wells Fargo never work with us because we have been trying to work with them to protect the interest of the borrower as well as prevent the house from foreclosure as National Emergency continued, and mitigate further loss Since we accepted XXXX XXXX XXXX request in 2018 as he is not taking up the residence at the moment due to his private matter at a concern and would required to fulfill such personal obligation, we began shouldering all the obligations. 

We were unaware that COVID-19 would have resulted in a financialship upon us. In fact, at the time we took overmaking payments to mortgage, all the bills were current until the pandemic that brought our business down. 

We reached out to Wells Fargo to explain the situation and they knew it well. We do not expect to provide information so that it could be used to start disservicing the mortgage and attempt to inform us about disinformation by providing lack of transparency, limitation on options, ignoring the facts we presented, and undermined the platform and misinterpreted the terms. 

As of the day on this complaint, We do hereby clarify that XXXX XXXX XXXX XXXX is NOT deceased. We request to be confirmed successor in interest or SIMILAR that would allow us to be in the known so that we can continue to fulfill our obligation to save the house, protect the interest of all tenants in common, prevent eviction upon all occupants who residing in the house, and minimizing further damage financially, and utimately to prevent the house from foreclosure, reinstate the overdue, and remain current as it was if COVID-19 didnt occur and neither the borrower and we ever intend to sell the house or aware that the pandemic would take us down this far. Especially, we never ever expect the poor participation from the servicer who we trust and who we are advise to contact in order to work out the situation. 

We do NOT expect to have the party in position to assist us ended up giving us hard time and delaying the process. We do however sincerely ask to work with us honestly on this serious matter to resolve everything once and for all.

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