Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
b'We are seniors both on Social security.  A modification from Wells Fargo made our payments XXXX  a moth..higher than both our ss checks.. Tried to sell, found out Wells Fargo put 2 second mortgages on our title  without knowledge.  I have contacted Wells Fargo over and over again..about mortgage modification higher than income..Wells Fargo is setting us up for foreclosure.Hud paid Wells Fargo over XXXX for for back payments,  I found out thru Hud. When we got the latest payoff..Wells Fargo included that amount in our payoff, . Hud paid Wells Fargo so we have a second mortgage ti pay Hud. Wells Fargo received oveXXXX XXXX  but did not deduct .from payoff they added it in.. We have to pay Hud back ( forbearance and second Mortgage, and Wells Fargo did not deduct it from payoff. We have been going thru this since XXXX. And each Modification (2) was increased  to an amount more than monthly payments. We did a modification to get payment affordable but each time it increased. We went from XXXX  a month to XXXX  a month. I am XXXX  and husband XXXX..Social security checks combined is not enough to pay that balloon amount. Wells Fargo told us during a modification do not make any payments until new amount is given. And each time Wells Fargo got checks from Hud. I wrote letters, called everyday but Wells Fargo offered another modification.which we declined. Wells Fargo mention getting a job, I was retired  but at XXXX  went back to work to be able to buy food, bills, and other necessities. We put our home for sale, another thing Wells Fargo said to do. 3 days before closing , title company informed us we have 2 second mortgages on our title, which resulted in buyer pulling out of sale. The last modification Wells Fargo did, they never asked for financial info, I asked how did they calculate that XXXX. They said increased taxes and interest rate. We signed documents to reduce our taxes, Wells Fargo didn\'t even know that, so I got documents from tax office to show them. Our first medication  to adjust our payment in XXXX, was a decrease on XXXX  dollars. We went from XXXX  to new payment calculated 10 dollar less. All the while Wells Fargo getting payments placed on end of mortgage from Hud. The modification was because of illness , change of income when I retired.. Not only did we not get a lower payment it increased by $XXXX. I wrote letters asking for reduce amount to no avail, because it wasn\'t Wells Fargo polices. Modification should not result in a higher payment. when you are trying to get the payment you have reduced.  I file a complaint to Wells Fargo for elderly abuse,  And the new date to pay our mortgage off is XXXX. We are Senior Citizens, XXXX  will be an after thought. We need help , we need someone to see this is a setup. That amount XXXX  a month is set up to fail, we can\'t afford it, but we are doing our best Also our mortgage  is on the 1st of each month, I asked for a decent bit Wells Fargo said it couldn\'t be changed. I tried to tell them we get our Social Security checks at different times depending on your birthday and we have to wait to get both checks, so we are late everyone. Wells Fargo said waving late charges is not an option. I keep trying. And Wells Faro do investigations which always end with nothing was calculated wrong, it\'s Wells Fargo policies. We don\'t know what tomorrow bring. And this is wrong on so many levels. Wells Fargo is doing this to a lot of customers, mostly elderly.  Wells Fargo know must elderly seniors are not going to or don\'t know how to get help for what Wells Fargo is putting people thru. We are Senior Citizens, and we will die fighting Wells Fargo for our home. Please help us, or point us in the right direction.  I wrote Channel 8 Channel 5 and am willing to go " live" to stop Wells Fargo. People read and hear about what Wrlls Fargo do, and is capable of . But to get a story in real time from someone going thru this first hand, and I am willing. There is so much more, and I want to share what we are going thru, one day SOMEBODY will see it and help us. \nThanking you in advance \nXXXX XXXX XXXX XXXX XXXX XXXX

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