Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo did not provide the following information which has been dodged for four complaint rounds to date to support their allegation that I was missing payments in the XX/XX/XXXX letter provided to CFPB. The false allegation was used to create a wrongful foreclosure of my home valued at {$650000.00} today. 

Since Wells Fargo refuses to provide the account ledger for my loan from XX/XX/XXXX to XX/XX/XXXX, it is an admission of their fraud, and I am expecting to be made whole under the XXXX Consent Order under section 28 agreed to by the CFPB Director XXXX XXXX and XXXX XXXX. 

Previous Complaint : I would like a direct answer to my question be provided by Wells Fargo which to date has been dodged for two complaint rounds. What payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? In Wells Fargo 's response to complaint # XXXX XXXX XXXX states : " You've continued to assert there was no payment delinquency. There is no evidence to support your assertion. '' Wells Fargo needs to answer my first question what payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? After the missing payments are identified, by Wells Fargo, then it will be up to Wells Fargo to provide evidence that I did not pay the missing payments. Note that the market rate value of XXXX XXXX XXXX, XXXX NY XXXX is valued atXXXX XXXX {$650000.00} $ XXXX : as of XX/XX/XXXX. Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?