Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a continuation of Complaint # XXXX. Master Narrative : Supplemental Regulatory Update and Call Summary RE : Core Accounting Failure, Material Admissions, and Multi-Agency Enforcement Notification Primary Case File ( CFPB ID ) : XXXX Date of Event : XX/XX/year> EXECUTIVE SUMMARY OF MATERIAL ADMISSIONS : On XX/XX/year>, the Consumer participated in a 125-minute ( 2-hour and 5-minute ) telephone cross-examination with a Wells Fargo Executive Representative. During this recorded communication, the representative made material admissions that completely validate the forensic accounting discrepancies detailed in this file, specifically exposing systemic failure in the internal handling of the XXXX XXXX Disaster Relief Deferral. 1. The Mechanics of the Misapplication and Manufactured Default : During the communication, the representative read directly from Wells Fargo 's internal transaction ledger, verifying dates and targets that perfectly match the Consumers forensic tracking. The transaction timeline revealed a catastrophic systemic error. Wells Fargo failed to legally freeze and segregate the {$28000.00} past-due balance ( Principal, Interest, and Escrow ) under the XXXX XXXX Disaster Deferral rules. Instead, when the Consumer resumed making full, active monthly payments for over a year, Wells Fargo 's system systematically rolled those new funds backward, applying current cash to the deferred disaster months. Because the Consumer faithfully paid for over a year, the principal portion of those old months was completely paid off. This explains why Wells Fargos subsequent forced loan modification contained zero delinquent principal and only modified interest and escrow. By rolling payments backward into a timeline that should have been frozen, Wells Fargo artificially manufactured a current delinquency, weaponized an invalid default status to threaten foreclosure, illegally returned three valid monthly payments, and forced the Consumer into an invalid modification. 2. Confirmed Ledger Failures : The representative explicitly confirmed that while a {$28000.00} non-interest-bearing balloon was established at the back of the loan, Wells Fargo only credited the active interest-bearing principal by {$7000.00}. When challenged to show where the remaining {$21000.00} was transactionally posted to clear the active schedule, the representative stated on the recorded line that he did not see the interest posted and would have to check why it isn't there. Furthermore, the representative admitted total unfamiliarity with the XXXX XXXX Disaster plan parameters and could not identify whether the modification utilized was a standard product or a mandated XXXX XXXX Flex Modification. MULTI-AGENCY REGULATORY ESCALATION NOTICE : Because this 125-minute call confirms systemic ledger manipulation, predatory manufactured defaults, and non-compliance with federal disaster loss-mitigation guidelines, the Consumer is officially escalating this file to all state and federal entities holding concurrent licensing, prudential, and consumer protection jurisdiction over this servicer. Formal filings detailing these exact ledger entries and verbal admissions are being submitted concurrently to the Consumer Financial Protection Bureau ( CFPB ) as a vital case supplement, the Florida Office of Financial Regulation ( OFR ) regarding state mortgage servicer licensing violations, the U.S. Department of Housing and Urban Development ( HUD/FHA ) regarding disaster relief guideline non-compliance, the Florida Department of Agriculture and Consumer Services ( FDACS ) regarding deceptive commercial practices, and the Federal Reserve Board and Federal Deposit Insurance Corporation ( FDIC ) for administrative and supervisory record-keeping regarding systemic bank ledger controls. The servicer has been placed on formal notice via the Executive Office and the Board of Directors to preserve the 125-minute ( 2-hour and 5-minute ) audio recording of the XX/XX/year> call, which serves as the definitive evidentiary proof of these claims.

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