Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Rebuttal to response from Wells Fargo XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Dear The Consumer Financial Protection Bureau : I am not satisfied with the false response that Wells Fargo sent out to you and to my home. They did not address any of my issues with my mortgage the discrimination and retaliation against me because I got behind in my mortgage during the pandemic as well as the misleading information for different agents in that bank that was not very kind to me as a XXXX homeowner. I am very much aware of the practices that Wells Fargo have done in the past as far as how they harm XXXX and XXXX communities through engaging in XXXX  lending practices against over XXXX XXXX and XXXX borrowers. I did not open my mortgage with Wells Fargo my mortgage was sold to them, however I am still in the same category and being mistreated by their XXXX  practices. 
In addition, Wells Fargo has consistently shown that it has no reservations about targeting its XXXX patrons with predatory schemes. Their XXXX  practices against XXXX homebuyers have failed to shift, prompting the city government of XXXX XXXX XXXX  to divest from opening any new accounts with Wells Fargo in XX/XX/XXXX. 
I am also aware that A lawsuit was filed on XX/XX/XXXX, in a XXXX XXXX federal court, argues that Wells Fargos practices push XXXX homeowners into foreclosure, which XXXX referred to as a modern form of redlining. XXXX published an article only a week earlier detailing how Wells Fargo, the largest bank mortgage lender in the country, accepted less than half of XXXX mortgage refinancing applicants in XXXX. XXXX percent of XXXX  refinancing applicants were approved, compared to just XXXX percent of XXXX applicants, per XXXX analysis. 
Wells Fargo offered minimum to help me when I was hospitalized for 4 months during the pandemic in XXXX and prior years, when I had to go through bankruptcy and marriage issues hardship in XXXX due to loss of income, instead of working with me they filed foreclosure proceed against me without any compassion or consideration. However, the Judge in XXXX did not honor the foreclosure and asked them to work with me to get current and not to retaliate, but I have been going down with them every sense. 
Since Wells Fargo is known for their XXXX  actions against XXXX homeowners I am not surprised about my treatment and all I want to do is save my home. Another perfect example where I am being exploited and adding to my grief is they are still sending correspondence to my home with my XXXX  ex-husband name on it and when I asked them to remove it, they say he is still on the loan how? when he is XXXX, they are just totally disrespectful cold-hearted people and continues to send me letters with his name on it. 

Another example of the XXXX, intimidation and retaliation tactics conducted by Wells Fargo as they have recently sent a XXXX  male to my home numerous times who refuses to identify himself, only stated Wells Fargo sent him when I asked. These gentlemen proceed to come on my property with force and after I tell them to not come in my backyard or around my house to snoop and take pictures, they would state that they were instructed to by Wells Fargo, and no one was going to stop him. With XXXX, NY experiencing high crime, break-ins, and murders, this is not acceptable for a strange XXXX  man to come into my yard which is a safety issue for me as well but more so as a scare tactic. My neighbors have witnessed this same behavior and have called me at work to let me know they were in my yard. When I called Wells Fargo to tell them to stop sending them, they would laugh, and the problem just continued to occur until this day. 
Given all their wrongdoings, the only option is for Wells Fargo to use their XXXX XXXX XXXX to make restitution to all the XXXX people they exploited to become the financial powerhouse they are, and all the XXXX lives they continue to profit off of to maintain their standing. There are incredible organizers applying pressure for Wells Fargo to resolve their past grievances and others who work on helping the average consumer find alternative banking methods. But while Wells Fargo paying reparations will help mitigate some of the harm done, the systems that allowed these actions to unfold must also change. However, I dont want to continue to be XXXX  by this bank and have been reaching out for help, but not being heard and I am not sure why because I have rights like anyone else when it comes to Wells Fargo and how my mortgage is being handled. 
I want my mortgage handled better by Wells Fargo and offer me the same workout options they offer my XXXX  counterparts and stop the XXXX  practices to force me into foreclosure and to not continue to offer me an unrealistic payment plans instead of a Modification or Partial Claim and stop saying they have to check with their investors its all XXXX. What I am looking for is the following : I want all the XXXX payments I made on their ( unrealistic payment plan ) since XX/XX/XXXX before they kicked me off, to be applied correctly to the current balance Im behind in and stop saying it is being applied to other months that are not part of this plan and have been already paid.

I want to be offered a modification or whatever they have that can put the amount I owe in the back of my loan until so I can get a fresh start, instead of these unrealistic payment plans they are offering me knowing I only have one income and can not afford it. ( I already sent them the hardship form ) I want to go back to paying my original mortgage payment of XXXX a month and for them to stop hiking my payments up at will where I can not afford to pay. 
I want them to stop sending strange XXXX men every other month to my home or on my property taking pictures, they can take it from the street or dont come at all my house is not abandoned there is no need for them to send people here.

I also want them to stop generating letters from a file they say was sent to me, because I never received any such letters and stop using them as a coverup for their wrongdoing towards me to make them look as if they are compliance to my needs. And stop generating payment history statements that is different from what I am sent in the mail to make it look as if I am behind in my more then what I am. 
I want to see if I quality for the Congress established Civil Penalty Fund due to mistreatment and handling of my mortgage.

I want a response from someone, and I can not afford an attorney at this point to assist me in the legal fight against this Bank, but I know there is someone out there that will respond to me to help. 

Sincerely, XXXX XXXX. XXXX CC : Attorney General Office, HUD XXXX XXXX The US Department of Housing and Urban Development ( HUD ) The Consumer Financial Protection Bureau XXXX XXXX, Principal Deputy Assistant Secretary for Fair Housing and Equal Opportunity XXXX XXXX - Assistant Secretary for the Office of Housing and the Federal Housing ( FHA ) Commissioner

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