Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As you may be aware, there is a class action suit and settlement with Wells Fargo over their residential mortgages from around XXXX going forward ( See XXXX XXXX article ). XXXX XXXX held a mortgage with Wells Fargo from XXXX through around XXXX. The loan number was XXXX ; the court case number was XXXX. He was not part of the settlement but should have been. There are numerous documents during this time of him reaching out to various community services trying to get a loan modification from Wells Fargo. Each time he attempted them, Wells Fargo through its attorneys XXXX XXXX  XXXX would file a motion claiming he did not state a sufficient cause of action and moved for default. Ultimately, the XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX IL XXXX went into foreclosure. 

There was nothing that could be done after the fact -- until now. It is obvious from the XXXX article that Wells Fargo forced many others into foreclosure while ignoring their pleas for a loan modification that could have helped them avoid foreclosure. I am XXXXXXXX XXXX partner who was living with him during that time in the XXXX XXXXXXXX, although he alone was on the mortgage. But I'm the person who filed and faxed many of the pleas for help with Wells Fargo and was on the phone with them. None of my faxes or phone conversations went anywhere with the WF mortgage representatives I spoke with. 

The Condo is in the XXXX XXXX neighborhood of XXXX. I have a letter dated XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX to Wells Fargo stating " this letter is to certify that XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, XXXX IL XXXX is working with counselors at our agency to apply for the Illinois Hardest Hit Fund ( HHF ). HHF is a new program administered by the Illinois XXXX XXXX XXXX that assists delinquent borrowers in reinstating their arrearage and making ongoing monthly mortgage payments to avoid foreclosure on their properties. '' Here I should also add that the property was held in trust by XXXXXXXX XXXX XXXX  XXXX XXXX ( now deceased ) and she appointed XXXX the power of attorney on the XXXX XXXX  so he had the right to pursue all recourse to get this default with Wells Fargo resolved with a loan modification payment plan. A handwritten note from XXXX states " the court has been generous in allowing me time for mediation and a modified payment plan. To date, I do not have a plan and a HUD attorney believes it has to do with the property being held in trust. Nevertheless, XXXX continued to pursue a loan modification but Wells Fargo foreclosed on him before he resolve the trust issue. He is in XXXX and his aging mother was living in Wisconsin. We have numerous mailings from Wells Fargo from XXXX to XXXX showing that the default amount was less than {$1500.00} and more in the {$1200.00} to {$1300.00} range. In the grand scheme of things, this is not a lot of default money and a loan modification program would have probably squared him with Wells Fargo and allowed us to continue to live in XXXX. 

I know that I need to provide as much detail in the initial complaint because I may not be able to add anything after that. I have tried to do that here. And ... have numerous files of documents from the matter. 

Please let me know if you need anything further. XXXX and I plan to marry in XX/XX/XXXX. Please include me on all email correspondence. Thank you. XXXX XXXX, XXXX ; XXXX. XXXXXXXX XXXX contact info. is 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