Consumer complaint received 2023-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband of over 25 years handled all the finances including the mortgage. All cred cards, utilities, and mortgage were on auto pay until XXXX of XXXX. The covid experience created a chaotic series of abuses at the hands of the opportunists who locked us down with the threat of arrest while fraudulently depicting nonstop images of people dropping dead and reporting alerts that we were all going to die. 
My husband was the strongest man l knew yet he had a XXXX XXXX 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now 'm losing my home to an alleged foreclose. 

Our mortgage is/was with Wells Fargo XXXX l explained what happened to my husband informing them I needed time to understand all of the paperwork without the constant pressure and under inhumane levels of duress by " the banks '' due to a massive loss and my lack of understanding the mortgage. I was told to fill out a lot of paperwork and provide documents l didn't know how to access. It was all too much. It appeared deliberate and rushed. It's confusing, chaotic, and demanding. I was and am still in no condition to be making decisions or signing any contracts, I was in shock. I hadn't even buried my husband yet, they kept pushing me instilling fear and panic. 
The balance kept changing, the steps l was taking we're not entered into their system, l did what they asked, without understanding any of it. I don't believe it's lawful to take advantage of someone in a severe vulnerable state like that. I was not provided answers to questions l had, was told repeatedly to send in the paperwork, intrusive and Constitutionally protected sensitive information. l wasnt informed of any other lien, loan, or any other claim attached to my home. 

want the CFPB to publish this Meanwhile, I have another company called XXXX XXXX taping foreclosure papers on my door. They drive by frequently enough that l 'd notice them This company is the one claiming rights to sell my home Last week I received a letter from XXXX XXXX XXXX XXXX [ lplease look into this bank ] ] claiming there is a {$100000.00} equity line of credit past due that they're foreclosing on through XXXX XXXX. I had no prior knowledge this existed until approximately 2 weeks ago. The validity of this charge is unexplained and l 've been supplied no documents, terms, conditions, or signed copies of any kind. I'm expected to just give funds because they say so or they're taking m home. I've been deprived the right to due process, the right to cure, and l believe these two banks are somehow co conspirators in the violation of my rights to life, liberty, and property. They've committed wire fraud, mail fraud, breach of international contracts, the list goes on. The sale date of my home by them is XX/XX/XXXX. 
I believe our mortgage was already settled in full. I have paperwork stating so. From XXXX XXXX in XXXX. Through the chaos that covid permitted, accounts were mixed up, lines of credit disappeared without notice, and the bank fees were too high.

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