Consumer complaint received 2022-09-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I applied for the Covid-19 Mortgage relief program with Wells Fargo Bank XXXX In XX/XX/XXXX it expired. 
XX/XX/XXXX I applied to ILHAF Mortgage funding to assist in paying the delinquent mortgage payments. 
XX/XX/XXXX I received a call from XXXX XXXX, Fargo Home Preservation Specialist, she spoke about potential programs that they could offer to assist me with the delinquent payments. I informed her that I had already put in an application with ( ILHAF ) Illinois Homeowner Assistance Fund, and preferred to wait until I got a decision from ILHAF then if they denied me, I would contact her regarding Wells Fargo 's programs. I didnt know what these programs detailed so I asked for more information about their programs while I awaited ILHAF decision. XXXX XXXX told me that she would send me some information about their programs they offered. But instead of just sending me brochures or information, she falsified documents stating that I agreed to their Partial Claim program without my knowledge or permission. I received three separate documents from Wells Fargo, via XXXX requesting me to sign and notarize documents for their Partial Claim assistance. I never submitted and signed or notarized documents agreeing to Wells Fargo program because I never requested them. ( see unsigned forms ) XXXX XXXX then started sending letters about signing the letters and returning them. When I did not respond to her letters, she then started calling me weekly, pressuring me to sign the documents or I could lose my home. 
I filed a complaint against her and I was assigned a new Wells Fargo Home Mortgage Home preservation specialist by the name of XXXX XXXX. 
I spoke to XXXX XXXX ; Escalations Associate from the Home Lending Executive Office and he explained and also mailed me documentation regarding the outcome of their findings of my complaint that I filed. ( See attachment ) At the same time when I spoke to XXXX XXXX, he submitted a complaint regarding the Partial Claim that was pushed through without my knowledge, consent or signature. These forms were also fraudulently submitted to ILHAF and subsequently caused my application with ILHAF to be denied. 
Due to the complaint that was submitted by XXXX XXXX on my behalf, I was contacted by XXXX XXXX Case Specialist Home Lending executive Office I explained to her about not ever applying for their Partial Claim and that because XXXX XXXX fraudulently sending those form had jeopardize my chances to receive funding from ILHAF. XXXX XXXX then started accusing me and blaming me for XXXX XXXX actions. She even falsely stated that I gave XXXX XXXX permission to contact ILHAF regarding the Partial Claim. 
In XX/XX/XXXX, when I submitted my application to ILHAF, they sent me a notice in XX/XX/XXXX that they needed more information to continue my application process. Because I was clueless as to what forms that were needed, on XX/XX/XXXX, I asked if XXXX XXXX if she could ask ILHAF what additional information was needed because I was unaware of the documents they were requesting. That was the only time I authorized XXXX XXXX to communicate with ILHAF. Never did I accept, sign, notarize or give XXXX XXXX authorization to communicate with ILHAF regarding the Partial Claims. ( see attachment ) At this time my ILHAF application process wasnt even completed so for XXXX XXXX to say I gave XXXX XXXX authorization to submit the Partial Payment forms was premature and fallacious. 
I then was requested by XXXX XXXX XXXX XXXX XXXX to deny assistance from Wells Fargo Partial Claim so that ILHAF could assist me. Wells Fargo never admitted fault but put the blame on me and told me the only way my ILHAF application could be processed was if Wells Fargo was no longer assisting me. I then received documentation that I was no longer in the Partial Claims program. ( See Attachment ) Which I should have never been involved with due to me never asking or accepting this assistance in the first place. Wells Far then stated that I should reapply for ILHAF so that I could try to get financial assistance. The problem with that was the ILHAF application submission was closed on XX/XX/XXXX. So there was no way for me to reapply for assistance. Because of XXXX XXXX fraudulent deceptive and unfair methods to falsify documents that were never requested, approved, signed, notarized or authorized by me. XXXX XXXX and Wells Fargo caused my application for Homeowners assistance to be denied. 
At this present time I had to call ILHAF and request a redetermination for assistance. I have no assistance from Wells Fargo or ILHAF to make arrangements to pay the delinquent mortgage payments. And I'm afraid that I may lose my home due to XXXX XXXX submitting those illegal documents.

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