Consumer complaint received 2024-04-26 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: SC

Complaint narrative:
DISCRIMINATION AND UNJUST FORECLOSURE I submitted a complaint via CFPB in which Wells Fargo fabricated documents and outright lied in response to my requests. Wells Fargo has a history of discriminating against people of XXXX; failing to offer lower interest rates through refinancing, forcing them into foreclosure, failing to offer options to assist XXXX home owners when they are experiencing hardships. This is what happened to me. They failed to offer me options during a time of hardship. The only option offered was to pay double my mortgage. I didn't realize Wells Fargo would stoop so low, that they had a history of illegal activity and unjust foreclosures ; yet I am now a victim. 

I contacted Wells Fargo on XXXX regarding economic hardship and asked for options, I was presented with one ; yet Wells Fargo says the representative presented me with a list of options. I have requested a copy of the call to verify that isn't true. 
During the first complaint I filed, I also contacted HUD. The representative there notified me via email that he spoke with Wells Fargo and for me to contact them as soon as possible and ask for my account to be reviewed for the COVID 10 Loan Modification and Partial Claim. When I called Wells Fargo, the representative stated that " Covid is over '' and began to list other options. Yet XXXX, Wells Fargo 's representative, states that she listened to the calls and that never happened. Luckily for me, I recorded the calls and will upload them. It seems Wells Fargo lacks integrity. 
I also made it clear that I was never notified that Wells Fargo was foreclosing on my home. I contacted them and entered into an agreement on XXXX so I was surprised when I received a letter in regular US Mail in XXXX for a final hearing. I was never notified of an initial hearing. Wells Fargo tried to inundate me with paperwork, yet as I looked through it, I saw that they alleged they " served '' someone named " XXXX XXXX '' on XXXX, the day before I called in. The problem is, no one lives with me. I have no idea who they served. Therefore, I contest the service in its entirety. 

XXXX, who is the spokes person for Wells Fargo, was aggressive and unprofessional from the start of our first phone conversation and it was total uncalled for. I don't know what I expected. I actually thought Wells Fargo would do the honorable thing, that they would want to work with me. Instead they went out of their way to fabricate documents to " prove '' they are right and did nothing wrong all so they can force me into foreclosure and pass through their attorney fees to me. I have been a loyal customer for ten years and now that I need them as I am going through this, you know what they said ... XXXXTHAT 'S NOT OUR PROBLEM!!! That is literally what was said by XXXX. I have it recorded. She was brash, uncaring and confrontational. She then went on a tirade about how people went on the COVID forbearance for 18 months and then failed to restart making payments. This has nothing to do with me! I wasn't on a COVID forbearance yet it was clear that her stereotypes and bias 's and preconceptions shaped her opinions of me and the situation. 

What are people like us supposed to do? How do we fight corrupt multinational, multibillion dollar corporations like Wells Fargo? I am sick, literally fighting for my life and now I have to expend energy to fight this injustice of Wells Fargo. Clearly they haven't learned their lesson. This isn't the first time they have taken part in illegal activities, engaged in discriminatory practices and unjust foreclosures. I can not lose my home. If the XXXX of my skin was different, they would be willing to assist me, by now my account wouldn't still be under foreclosure. I contacted HUD because I have a FHA loan. I don't know what else to do.

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