Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I had a home mortgage loan thru Wells Fargo. Around XXXX or it may have been even XXXX we applied for a loan modification thru Wells Fargo XXXX We waited many months of being advised not to pay our mortgage until we were approved for the modification. Fast forward to XXXX and unexpectedly and due to natural causes my husband passed away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My life quickly changed and I could not afford our home mortgage. I wanted to keep our house for my children and I so I called Wells Fargo requesting a loan modification due to my change in monthly income. My monthly income was now less anywhere from {$3500.00} - {$6000.00} ( straight pay and overtime ) a month since my husband was gone. It was a very scary feeling and I had looked to Wells Fargo to be sympathetic to what had just happened to my family but they were not and denied me the modification saying we had already modified our loan. I explained again why I was asking for a new modification but they told me it didnt matter and denied me. My home was foreclosed on via a judicial foreclosure and so Wells Fargo took my home. It is my understanding a judicial foreclosure is very expensive and all attorney fees are paid by the home owner. Because I do not think Wells Fargo should have foreclosed on me and because I never asked for a judicial foreclosure I believe Wells Fargo owes me some type of restitution. They have never contacted me about this class action law suit they lost and Ive been waiting. Now Im reaching out to you to see what can be done. Wells Fargo has kept my home mortgage listed as a debt on my Wells Fargo account since last month. It was only until last month that is showed as a debt I owed. Finally late last month there were some transactions that showed on my account. I did not make any payments to my mortgage nor was I notified or refunded of the amounts. Below are the transactions and the amounts. 

Posted XXXX Outstanding Balance {$230000.00} Escrow payment {$9900.00} Posted XXXX ( this is an additional trans ) Outstanding Balance {$230000.00} Escrow payment {$9900.00} Posted XXXX Outstanding Balance {$230000.00} Escrow payment {$4200.00} Posted XXXX Outstanding Balance {$230000.00} Transaction not listed XXXX ( negative ) Posted XXXX Foreclosure XXXX balance Those transactions sure seem funny and especially seeing my modification was denied in XXXX and the judicial foreclosure began in XXXX. Wells Fargo has never removed my mortgage off my account until XXXX. Due to the law suit I read online about I think I am owed some money from it and Im reaching out because of it. I have been an account holder with Wells Fargo since XXXX and since then have held a checking account, car loan and the mortgage. My checking account has been dinged over drafts even when my checking account showed I had money in there. Wells Fargo let me have the money but on the next business day declared I over drafted my account and a {$35.00} charge was listed on my account for most times more then one overdraft fee. My husband and I had a car loan we did end up paying off thru Wells Fargo but Im listing it in case they did something funny with that account and finally my husbands name is no longer listed on the Wells Fargo account and thought wouldnt it be funny if they tried issuing a refund in his name but retracted it because he isnt listed on the account anymore so Im wondering about that too. 
My name is XXXX XXXX XXXX My husbands name was XXXX XXXX XXXX Our address was XXXXXXXX XXXX XXXX XXXX XXXX XXXX wa XXXX Wells Fargo checking account number XXXX Wells Fargo home mortgage account number XXXX I no longer have the auto loan account number but it was for a XXXX XXXX XXXX XXXX Thanks for your help XXXX XXXX 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 explanation