Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home 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: PA

Complaint narrative:
At the time of me purchasing my home, I was not aware that I was being wronged in every aspect of the mortgage lending process through discrimination, XXXX ethic and civil rights violations in which resulted in me being charged higher fees, interest rates even though I had a higher credit rating in comparison to XXXX non XXXX XXXX XXXX Despite knowing my credit was adequate, I was told that I only qualified for a XXXX loan and there were no other option for me as a first time home buyer. I was forced into a XXXX Mortgage XXXX since there were nothing else available for me as they said. Since then, I have been wrongfully charged having paid much more than the home was in worth. After XXXX  years of paying mortgages, the Underwater home I was sold, is still has not increased in value comparison to what must be paid back. The home has not caught in value in XXXX  years, to what i have paid in payments and still due for the life of the loan. The home is still losing value in a depressed neighborhood riddled with drugs addicts, vandalism and crime and criminals and poverty level is high. I have been deeply wronged by XXXX being forced into a Subprime loan for a home I now aware that was way below in what I was charged and have requested relief in Reducing the Home to its True Cost in Valued, for which I have been ignored. I have tried to communicate with XXXX telling them I have been wronged, racially discriminated, made aware because I am a XXXX XXXX, American with no response to my request. I have asked XXXX, to make Available for me, to see in person " XXXX '' my XXXX documents from the actual loan signing, this has not been done. I made XXXX aware of my financial hardship resulting from the XXXX XXXX pandemic and now trying to regain good Mortgage payments as I had before the shutdown XXXX Pandemic. Their response to me was to send without any notification in request to see my home, the XXXX Mortgage Aggressive Enforcements whereas they broke open my steel front security door locks, posted Huge lamination glue paperwork to my door saying it was broken into to see if It was occupied. I called the enforcement people and told them that whoever they sent broke open forcing the steel locks of my security door, never called, sent an email, nor mail to me and they have all my contact information. They refused to pay for my door, and said they got a notice to go from XXXX XXXX mortgage because I had late payments ; which was less than {$3000.00}. I found out that XXXX has been aggressively using these dangerous people because they are aggressively selling homes of customers struggling because of financial hardships. I told XXXX i would not just walk away and leave my home i love after XXXX  years, my home is Occupied and no updates about me leaving my home., stop sending these aggressive scary men out to my home, trying to force me to walk away out of fear, humiliation, in front of my neighbors. Having suffered an home invasion prior, this has caused my XXXX  to worsen. XXXX working to improving financially and ask that the property be reduced because nobody would buy my home at this cost and reducing it to its True Cost in XXXX would help me more. I have asked where have all my payment gone to in the 16 years of paying, my cost of my home has still remain the same owed in XXXX  years. I have asked that they make available " ALL my XXXX loan Documents '' that was at signing, in a XXXX location XXXX, in person for my review. I also asked who has my loan and when was the loan owner change by year/date, I have not received this information about any changes in XXXX  years.I am asking help with XXXX XXXX Mortgage ongoing discrimination and ignoring patterns in abuse of Mortgage borrowers. I have asked to be assigned to XXXX representative to maintain a seamless contact, this has not been done. A rep communicate and leave a message and I can never reach them again, even when going through their departments and being connected directly. This has been a XXXX XXXX in Practices. Thank you.

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