Consumer complaint received 2022-03-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS IS A QUALIFIED WRITTEN REQUEST FOR WELLS FARGO HOME MORTGAGE ; THIS CONCERNS MORTGAGE PAUSE VIA THE CARES ACT ( BIDEN/HARRIS ADMINISTRATION DUE TO COVID-19 HARDSHIP ) : Since XX/XX/XXXX, we resumed our monthly mortgage payments ( via the lifted housing moratorium Biden/Harris CARES ACT ) XXXX We have been in constant contact with our mortgage company, Wells Fargo Home Mortgage and we have repeatedly requested, mortgage assistance prior to XX/XX/XXXX. We were offered what I consider to be a " Housing Discrimination Packet ''. Especially, after we were promised assistance by WFHM in their many, many letters during our COVID-19 HARDSHIP. We shared with WFHM, that we are requesting assistance via the Biden/Harris Administration CARES ACT on many occasions ( via XXXX Certified Mailing ; via Internet emailed correspondences ; via fax : XXXX ; and via telephone ). 
However, today ( XX/XX/XXXX ) we received a very DISTURBING AND PROBLEMATIC letter from XXXX XXXX, a Home Preservation Specialist at Wells Fargo Home Mortgage dated, " XX/XX/XXXX '' that indicates we are in a Foreclosure process. We need direct answers as to what is really going on. ; Subject : We've received your information and can review you for assistance. Thank you for providing us the information we need to review your application. We know that this may be a difficult time for you. As your Wells Fargo representative and dedicated point of contact, I want you to know about next steps. WHAT YOU NEED TO KNOW : *As of XX/XX/XXXX, your application is complete. Now we can determine if you're eligible for assistance. We may need up to 30 days to review your information, but rest assured that it's a priority for us. *You may still need to provide additional documents, like updated income information. If you do, we'll let you know in a separate letter. You'll receive a list of what we need and the date we'll need to receive it by. Please make sure to respond to these requests by the date required, or foreclosure proceedings may continue. *Third-party approvals, such as the investor or insurer of your loan, may be needed for us to evaluate and offer a mortgage assistance option. If this account is currently involved in a court case, such as bankruptcy, court approval may be needed to finalize the loan modification. *If we haven't begun the foreclosure process by filing the first notice, we won't initiate the foreclosure process while we evaluate your complete application. If we have begun the foreclosure process by filing the first notice, then we can not conduct a foreclosure sale before we evaluate your complete application. We'll make every effort to postpone the sale if a foreclosure sale date has already been set. Please be aware, however, that some courts may not grant our request. You may be entitled to additional foreclosure protections under state or federal law. *Remember that you might also want to contact the servicers of any other loans that are secured by this property to discuss other options that may be available. * AN APPRAISAL MAY BE REQUIRED AS PART OF THIS PROCESS : When you apply for assistance on a home that is secured by a first lien, we may need to appraise the home. If we do, you'll receive a copy of any written appraisals related to this application. Sincerely, XXXX XXXXHome Preservation Specialist/Wells Fargo Home Mortgage XXXX XXXX THE END @ XXXX.

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 non-monetary relief