Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — USDA 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: LA

Complaint narrative:
Wells Fargo Bank , N.A . is continuing a documented pattern of illegal mortgage servicing practices in direct violation of the Consumer Financial Protection Bureaus XXXX Consent Order XXXX XXXX XXXX  XXXX ), which imposed {$3.00} billion in civil penalties and consumer redress for identical misconduct including wrongful foreclosures, escrow mismanagement, and failure to respond to Qualified Written Requests. 

My USDA mortgage loan ( XXXX XXXXXXXX ), secured by my primary residence at XXXX XXXX XXXX, XXXX XXXX, LA, is the subject of over two dozen statutory violations by Wells Fargo including : - Violations of RESPA ( 12 U.S.C. 2605 and 12 C.F.R. 1024.35 ) - Violations of TILA ( 15 U.S.C. 1638 ) - Violations of the FDCPA ( 15 U.S.C. 1692g ) - Violations of the CARES Act and IRS reporting laws ( 26 U.S.C. 6050H ) - Dual tracking under 12 C.F.R. 1024.41 while legal disputes remain unresolved On XX/XX/XXXX, I issued a formal Qualified Written Request and RESPA Notice of Error by certified mail ( tracking XXXX XXXXXXXX ). That letter demanded proper documentation, a full accounting, and halt of foreclosure based on substantial errors. 

Instead of providing a lawful, timely response, Wells Fargo sent only * * boilerplate template letters on XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX * *, none of which satisfied the legal requirements of RESPA. On XX/XX/XXXX, they mailed a partial document dump that failed to resolve the major violations including misapplication of funds, escrow abuse, and false IRS XXXX interest reporting. A follow-up letter identifying these deficiencies was sent XX/XX/XXXX ( tracking XXXX XXXX ) and another after XXXX XXXX letter ( tracking XXXX XXXXXXXX ). The completely ignored a USDA mitigation request that was in writing. 

Wells Fargo has failed to produce the original wet-ink promissory note or a complete chain of endorsements and assignments, as required by La. C.C.P. art. 2635 and federal servicing guidelines. The only assignment provided is incomplete and executed years after loan origination, with no supporting Pooling and Servicing Agreement ( PSA ), trust delivery documentation, or verification that the note was properly conveyed under IRS REMIC rules ( 26 U.S.C. 860G ). This raises serious legal questions about their standing to foreclose and the integrity of the title. No credible evidence has been provided demonstrating Wells Fargo has lawful authority to enforce this debt. These defects render any foreclosure action premature, unauthorized, and in violation of federal and Louisiana law.

Despite this active dispute, on * * XX/XX/XXXX, Wells Fargos attorneys ( XXXX XXXX XXXX XXXX, XXXX ) issued an acceleration notice * *, triggering foreclosure an explicit * * violation of dual-tracking laws * * under 12 C.F.R. 1024.41 and the CFPB Consent Order.

These actions demonstrate a * * flagrant disregard for the Bureaus enforcement order * *, and Wells Fargos continued pattern of abuse must be stopped. The servicing conduct in my case mirrors the CFPBs previous findings : wrongful fees, forbearance period violations, illegal escrow manipulations, and systemic failure to provide timely, accurate, and truthful information to the borrower.

My documents show violations of multiple federal laws and consent agreements. I request full CFPB oversight to ensure compliance and relief.

Supporting evidence, including certified mail receipts and Wells Fargo 's template responses, are available upon request. The CFPB had a limit on how many documents I could upload, but I have the entire file meticulously documented I can provide.

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