Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We sent our regular mortgage payment along with the past due amount of XXXX to Wells Fargo on XX/XX/year> came from my church. The rest came from myself totaling of {$7000.00}. They sent back my payment. They cashed the XXXX payment and didnt apply any of it towards my regular mortgage. They sent us a foreclosure notice through a lawyer a week later clearly they already had this in place before I made any payments. Yes, my payments are due on the first but federal law is that you have a 15 day grace period any other place would accept the payments no matter what the date was. I mean, you guys would love the late fees youre a XXXX bank But instead you sent me a lawyer to start for closing my house then I filed a complaint and I said XXXX filing for bankruptcy and I gave you my bankruptcy lawyers information and because XXXX filing because XXXX take me XXXX years to pay you people off versus your XXXX months. Only you now are sending me this notification that you have automatically reapplied me for mortgage assistance, which I didnt do And you will see in the screenshot that Im sending you my notes of the XXXX letter that you sent that is nothing but lies because you had a XXXX XXXX illegal piece of XXXX XXXX. Send it that maybe I CE should know about. First this letter states were writing acknowledge application request from mortgage assistance never did that. You already sent me a foreclosure letter so why the XXXX would I do that? I already know through a lawyer that if I go through chapter 13 bankruptcy, I have five years to pay you people off not six months much better deal Second problem is if youre eligible for a loan modification program will look into other options to avoid for a closure no you dont you dont look into any other options. You just send us the foreclosure notice and thats that cause you dont give a rats XXXX then it says reminder to pay your regular mortgage payments. I have been doing that and you just send me back the money and I have proof of that Then it says Im here for you. No, youre not again. Lies this whole letter that you send out to everybody, including your correspondence to all my complaints or nothing but lies to cover your XXXX, but when you XXXX search Wells Fargo, you see nothing but all the lawsuits that you guys are going through in the past and currently with a three star rating for a bank is so bad And I will be going on social media going on XXXX and making this so viral and I will do everything I can to shut you people down. I am going through bankruptcy. You cant do anything about it. Itll take me five years to pay you people off, and you can not kick me out of my house. Go XXXX off. not only do I have an attorney for the bankruptcy, but Ive also submitted all these complaints and paperwork to the Attorney XXXX office and theyre the ones that have told me about how many times that youve gotten sued and that I am eligible for a major lawsuit.

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