Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting CFPB review of a mortgage foreclosure and post-foreclosure possession matter because I believe the foreclosure documents and foreclosure process need review. The foreclosure sale occurred on or about XX/XX/XXXX. Before foreclosure, there were unresolved mortgage-assistance, reinstatement, escrow, insurance, property-condition, title, and record-accuracy issues. The mortgage servicer acknowledged mortgage-assistance review activity in XXXX. In XX/XX/XXXX, a trial payment was made, but the trial plan was later treated as failed because of an approximate {$2.00} discrepancy. I do not believe there was a meaningful opportunity to correct the small discrepancy. A later trial plan was affected by the borrowers XXXX XXXX XXXX and short-term memory problems. Mortgage-assistance activity continued shortly before foreclosure. A mortgage-assistance application was signed on XX/XX/XXXX and submitted on or about XX/XX/XXXX. The servicer issued assistance-review correspondence on XX/XX/XXXX and XX/XX/XXXX. Non-borrower contribution documentation was submitted on or about XX/XX/XXXX. On XX/XX/XXXX, the mortgage statement showed the loan had been referred to foreclosure and showed a restricted escrow balance of {$21000.00}. On XX/XX/XXXX, the servicer issued a reinstatement quote requiring {$42000.00} by XX/XX/XXXX. Foreclosure proceeded on XX/XX/XXXX. I am also requesting review of foreclosure-document and record-accuracy issues. The foreclosure notice identified the borrower and occupant/former spouse as husband and wife, even though they were divorced before foreclosure. A quitclaim deed had also been recorded before foreclosure. The Substitute Trustees Deed contains inaccurate identifying information, including an incorrect Social Security number for the occupant/former spouse. The correct identifying information can be compared with the non-borrower contribution documentation that had been submitted before foreclosure. There were also major escrow and insurance issues. The homeowners insurance premium increased over time from approximately {$1700.00} to {$2000.00}, {$2500.00}, {$3600.00}, {$6000.00}, and {$8400.00}, before a renewal/invoice amount of {$64000.00} around the foreclosure period. On XX/XX/XXXX, the insurer issued a renewal offer for {$64000.00} with escrow annual payment terms. On XX/XX/XXXX, the insurer stated that the lender had been invoiced for {$64000.00}. I understand this invoice was not ultimately processed or paid, but it is relevant because it shows an extraordinary escrow/insurance issue immediately after foreclosure and before the next policy term. The property also had unresolved disaster-related and habitability issues. XXXX documentation stated that the home was not safe to live in because of disaster-caused damage. XXXX inspection materials referenced HVAC and septic repair. The insurer had notice of HVAC, septic, roof, attic, barn, and storm-related damage. Insurance claim activity and denial/closure activity continued during the same general period the foreclosure was moving forward. On XX/XX/XXXX, an eviction judgment was signed after foreclosure. The judgment awarded possession, but it states delinquent rent is {$0.00}, attorneys fees are {$0.00}, plaintiff recovery is {$0.00}, and rent per period is {$0.00}. The appeal bond was set at {$1000.00}. This confirms the eviction is possession-only and not based on unpaid rent. After the eviction hearing, I contacted the mortgage servicer by phone at approximately XXXX XXXX. The first representative could not locate the matter using the information provided and transferred the call to the mortgage department. The mortgage representative stated there was no foreclosure error and told me to contact XXXX. I dispute that response because XXXX can not correct foreclosure-document errors, mortgage-servicing issues, loss-mitigation timing, reinstatement handling, escrow accounting, title records, or record-accuracy issues. I am requesting a focused review of the foreclosure documents and foreclosure process, including the foreclosure notice, Substitute Trustees Deed, recorded quitclaim deed, divorce status, non-borrower contribution documentation, mortgage-assistance timeline, reinstatement quote, restricted escrow balance, insurance/escrow issues, and post-foreclosure possession activity. Wells Fargo was the mortgage company, and XXXX XXXX now owns the property. Requested relief : Please require the company to review the foreclosure documents and foreclosure process, explain what documents were reviewed before concluding there was no foreclosure error, correct inaccurate foreclosure-related records, review the escrow/insurance issues tied to the foreclosure period, and suspend eviction/lockout/possession or property-disposition activity while the foreclosure-document review is pending.

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