Consumer complaint received 2019-02-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear XXXX, I am writing to you today about Wells Fargo Home Mortgage. I'd first like to state that they bought my loan right after I made my first payment. I did NOT and would NOT ever go to this bank for a loan AND the process of which I signed papers " allowing '' for my mortgage to be sold and bought did NOT offer a disclaimer for me to OPT out on certain banks, which ALLOWS ( Intentionally ) banks that are notorious for illicit activity to PREY on unsuspecting customers! ( That is the first problem, otherwise, this IS a SET UP! ). 
I contacted Wells Fargo Home Mortgage in XX/XX/2017 right after Hurricane Irma, to see if the " Forbearance program '' was something I would like to participate in. ( it was NOT imperative ) I asked simple questions ( What are the terms? How much would my payments go up? again, simple questions ) They sent me several letters telling me they where working on it, NEVER giving me ANY answer. So, the forbearance period was Almost over and I felt they were doing this on purpose ( delaying credible info ) so that I'd give up and go away, BECAUSE I was holding them accountable, in writing. Since they refused to give me ANY information, I contacted the Florida Attorney Generals Office. Immediately they deposited money into my bank account, NO CONTRACT, NO TERMS, No nothing! I continue to insist that they tell me what my payments would be. Finally, a representative told me my payments would either go down, stay the same or go up {$5.00} maybe {$10.00}. I was assured. I insisted he give me this in writing and the told me he had no access to any printer or anything of the sort. Later as time went on they contacted me to see if I wanted an extension AGAIN I asked how much would my payment go up. AGAIN I was told the same thing so, my payment in the worse case scenario should've only l went up {$20.00}. ( since this IS a bank and they work with numbers ALL the time, this is NOT an unreasonable expectation to request. At the end of the term, now I am told the payments are {$40.00} more. ( I am on XXXX XXXX XXXX and every dollar counts ) I insisted they make adjustments and they have been rude to me over the phone and refuse to make good on what I was told. Since I know what was said, they lied to me and or deleted the phone conversations alleging that they could not find them and even if the did, they'd offer an apology letter. This is NOT FAIR BUSINESS PRACTICE, More like deception and or fraud, I believe! There was other phone conversations where the representative told me not to make the {$25.00} monthly payment. ( i believe, coercing me to renege on my contract ) I told him i would pay anyway. Had I not, they WOULD foreclose on my home or insist I pay it all back. I feel quite certain, this IS their normal business practice and using the phone to do so, I feel quite certain, IS a federal violation as well. I feel that this activity and protocol needs to halt immediately and or some sort of punishment needs to take place to set example. in fact, speaking with Counsel, my mortgage SHOULD be FREE and CLEAR now for the crime that we believe they committed, only would serve them well. At the very least, I should have the same terms to my original mortgage back, on track ( same time frame, not losing a year ) and the payment should be no more then {$650.00}! The longer they delay, and drag me through this terror, the more I believe they owe me! I have been trying to bring this to a resolution with the Florida Attorney Generals Office, XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX and the Better Business Bureau, XXXX XXXX XXXX, XXXX XXXX Ia XXXX, but the refuse to cooperate. I also have instructed them back in XX/XX/2018 NOT to contact me via telephone and within the last week they tried calling me three times! This is beyond a nuisance, more like harassment. For they are NOT saying, writing or doing ANYTHING to right this wrong! ( is it NOT reasonable for me to talk with them ) Further adding XXXX, XXXX, XXXX to the situation. ( truly an act of terror. see Blacks Law Dictionary for definition of TERRORISM ) For my Counsel has told me that the ' '' fluff letters '' they respond with NEVER truly address the situation and they are bending over backwards to make themselves look good, in front of a judge and he believes that they are in fact, trying to impoverish me and take my home and make me homeless! ( a SET UP ) This truly seems to be reasonable explanation, for this should have never went this far. My counsel also said that the CEO is the final authority and HE should in fact, be made aware of this, take responsibility and accountability and resolve this problem or be held accountable.! 
CLEARLY their intention is not well! 
Most recently XXXX XXXX, Senior Vice President of Wells Fargo Lending responded to me, with the same shady letter, ( requesting more time, etc etc ) of which I'd be glad to share with you! Again, we need the final authority to respond to this matter, the CEO!

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