Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I contacted Wells Fargo to request assistance with my mortgage. Wells Fargo only offered XXXX option which doubled my mortgage yet they stated this was the only option. The payments were to begin in XXXX. I made the XXXX mortgage payments in XXXX which have to be made separately on XXXX different days. In spite of the arrangement being made on XX/XX/XXXX, Wells Fargo proceeded to initiate foreclosure proceedings ILLEGALLY and WITHOUT proper and legal process service. I wasnt aware of this, as XXXX XXXX notified. In XXXX I received a letter in the mail regarding a FINAL hearing on my home. I contacted HUD and the courts and filed a complaint with CFPB after failing to get any information from Wells Fargo. A representative from HUD contacted me regarding my mortgage. He sent a follow up email stating that he spoke with Wells Fargo and informed me that I needed to call and apply for a loan modification with partial claim and that this would bring the loan current. I contacted Wells Fargo and was told there is no such thing yet I proceeded with the application process in hopes that Wells Fargo would consider my account for any and all options. XXXX at Wells Fargo contacted me and I provided CFPB with recordings of the calls. Although Wells Fargo stated to HUD that I would be considered for XXXX Recovery Modification with a Partial Claim, they told me the opposite and my mortgage was not considered for the loan modification. Once again, the only offer made was for me to pay double my monthly mortgage and I can not afford that. I have emailed Wells Fargo to ask about a forbearance as Ive never received XXXX, and to date they havent responded. In my last complaint I stated the following : XXXX. Wells Fargo mortgage practices are discriminatory. They have committed more than XXXX illegal act however they refuse to correct the issue for example the lack of leg service process, their outright refusal to provide loan modification options that are offered to others. XXXX. Ive asked Wells Fargo to remedy these grievances to which they continue to produce fraudulent outlandish documents and say that they have mailed them to me however I received nothing from Wells Fargo. After being spoken to you in a very disrespectful and derogatory I requested that Wells Fargo not call me unless There is a mediator to ensure that they will conduct themselves in a professional fashion. I have emailed Wells Fargo several times and they have yet to respond. I allowed enough time to lapse as to ensure that the complaint is not seen as frivolous or insubstantial. I have yet to receive a email from Wells Fargo regarding the application or the request for mortgage assistance. 

Wells Fargo has not attempted to contact me at all. I submitted proof that I contacted them several times, written proof, yet they have not done the same. Wells Fargo has fabricated evidence to attempt to prove that they have worked with me yet they haven't. I will contact them again, via email, so that I have written proof of all of the complaints and the fact that they have refused to work with me.

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