Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I passed papers for my dream house in XXXX, NH in XXXX of XXXX. The mortgage was bought out by Wells Fargo after a few months.That 's when the trouble started! Although I sent my payments out a few weeks before the mortgage was due, I was always charged fraudulent late fees and other fees. I called their customer service representatives numerous times to rectify the issue. Each time I called, no-one was ever compassionate or helpful. After continuing to pay my mortgage due each month, for the first year, Wells Fargo stopped cashing my checks. I called Wells Fargo every day for many months, but was always asked to call back so that paperwork could be found. Each time I called back, I was never able to speak to the same person. I had to start over telling my problem to a new person each time I called. I was so frustrated and worried. At the time, my twin daughters were babies. My husband was fighting early stage XXXX XXXX, while continuing to work a full time job. I hired a lawyer to help me straighten out the situation. The lawyer got nowhere. I was advised by the lawyer to file for bankruptcy to help my family stay in the house while things were straightened out and my mortgage was on track again. The Bankruptcy process was nerve wracking and unfair. I paid the requested payments each month, but Wells Fargo sent a lawyer from their hired law firm, XXXX XXXX, out of XXXX, Massachusetts, to represent them at my hearings. I found out that the judge who oversaw my case was friends with the Wells Fargo lawyer. They even sat on the New Hampshire Bankruptcy board together, which Is a conflict of interests. The crooked judge even made me pay the Wells Fargo attorney {$500.00} at XXXX hearing with no explanation for the demand. My husband and I felt threatened by the judge, so we paid the demand. Our attorney quit, so then we hired another one. Our next attorney took a few XXXX dollars from us, and never represented us in court. I would like the money back from this guy! He told us that he was afraid of the lawyer in charge of the Bankruptcy court. We asked for our money back from this attorney and never got it. In the meantime, I applied for a loan modification. The paperwork was faxed, but always lost by Wells Fargo. The loan modification process went on for over a year, always being asked to fax more paperwork, but nothing ever came of it. I even went to a federally approved Home saver expert in XXXX, New Hampshire. The woman named XXXX XXXX, representing a company called XXXX XXXX XXXX, worked on trying to modify my loan for over a year, without success. I even tried selling the house, so that I could pay off the loan. My real estate agent had a buyer. She also had an attorney call Wells Fargo to get the paperwork in order to pass papers on the house. Wells Fargo never found the paperwork for the attorney so that the realtor could book a date to pass papers. We lost the buyer. Eventually, after 5 years, the Bankruptcy period was over. I hired another lawyer to help me file for another bankruptcy. He took another few XXXX dollars from me. After a few meetings, this lawyer told me to just let Wells Fargo have the house. I was devastated and felt so hopeless! My husbands XXXX was advancing. It was XXXX of XXXX. I got a letter from Wells Fargo stating that my house would be auctioned off. I had young children and a husband who was XXXX of XXXX. I had reached out to another organization called XXXX for Homeowners. After filing paperwork with them in XXXX of XXXX, and having them reach out to Wells Fargo, they eventually told me they couldn't help. A constable came to my door XXXX day in XXXX of XXXX. My XXXX husband no longer had the energy to help me fight for our home. I reluctantly signed papers for the constable. My family was heartbroken! We loved our home of 11 years. We moved to a smaller home and had to donate a lot of our belongings. The {$5000.00} check that the constable handed us, to help with moving expenses, bounced. We eventually got another check, but the bounced check cost me a charge of {$25.00} from my bank, which was never recovered. My husband passed away after that on XXXX. My XXXX XXXX XXXX daughters both suffered from anxiety from the trauma of it all. I wrote this because I am still hurting emotionally from what Wells Fargo did to my family. In an internet search, I saw a story about Wells Fargo paying out millions of dollars to victims of their fraudulent practices. I hope that whoever reads my story can help me recover what is due to me and my daughters.

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