Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA 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:
I am reporting numerous errors regarding my mortgage. All of the past modifications have been inaccurate and admittedly so by Wells Fargo starting with XXXXXXXX XXXX XXXXXXXX and with XXXXXXXX XXXX XXXX  along with multiple Respa Act violations. 
I do have all of my documentation from the start. 
I am requesting XXXX look into this and try and rectify my actual balance that I owe, and have sent XXXX via cert. mail this request. 
I realize that this is almost impossible due to Wells Fargo admitting to calculating my modification incorrectly in XXXX XXXX XXXX along with the in and out of foreclosure status while I was trying to do a modification that took from XXXXXXXX XXXX XXXXXXXX ; then while In foreclosure, they sold my loan to XXXX XXXX XXXX with a very hefty amount that they added for foreclosures, attorney fees and numerous other fees. Wells Fargo was in violation of the Respa Act numerous times. I know, its alot and that's just a small explanation of everything. 
Some of the errors include, bankruptcy inaccuracy on one of my modifications, illegally forcing my ex husband to sign a modification when he is not on the loan or deed, putting me in and out of foreclosure status multiple times due to miscommunications between mitigation specialists, stating they were in receipt of needed documents and then stating they did not have the needed documents a day later, stating that I had to do a quit claim deed to my ex husband in order to use him as non-borrower contributor on a form and then making him sign as a borrower, stating that Wells Fargo did not have the quit claim deed, but later admitted the underwriter had it the whole time, but did not see it until after I was put in foreclosure. Wells Fargo then tells me that I didnt do it correctly while stating they were sorry for telling me to do the quit claim deed like that. Wells Fargo has also held up all of my modifications due to stating they received my documentation and then saying they did not have it, which, in turn, made each modification take longer and longer due to having to keep starting over. 
I called HUD and XXXX XXXX spoke with Wells Fargo a few times, telling them the process they were using was not correct. I also had FHA stating that the practices were incorrect and they would be calling them. At one point, when I told one of the Wells Fargo mitigation specialists about what FHA stated, they said " Uh oh, we're about to get trouble '' not sarcastically, but worried. 
All this time with these modifications, I was told to hold off on sending any payment until the process was complete because it would just go into a holding account and if I was not approved, I would lose that money. 
I really feel like my mortgage is paid in full, once you subtract all of the foreclosure fees, attorney fees, interest fees, the countless hours I was on the phone, going back and forth to the library and XXXX  to fax things. I literally missed seeing my kids from XXXX due to constantly being on the phone trying to secure my home. That is the absolute most stressful time of my life. Suffering and stressing put while I had XXXX XXXX  and dogs thinking I was about to be homeless was almost too much to handle. 
I was told by XXXX, my XXXX at XXXX in XXXX ( I think it was XX/XX/XXXXXXXX  ) that I was approved for a FHA Supplemental Repayment Plan to start in XX/XX/XXXXXXXX  for {$960.00} per month. I called XXXX back in XX/XX/XXXXXXXX  and she said I was not approved. 
I was concerned because that meant I was way more in debt than I thought. I was mailed letters from XXXX stating that " due to the complex nature of my account, to please give them more time '' at one point, after six ( 6 ) of these letters, I called my POC, XXXX, and she could not even find the letters. 
I also received letters from XXXX  stating that due to not being able to verify my unemployment along with stating that I refused other programs, so the decision was made that I am not approved and foreclosure proceedings were about to begin. I am not unemployed and haven't been since XXXX  when my first modification was done due to hurricane XXXX and being out of work. 
I purchased my home in XXXX  for $ XXXX and now, with a $ XXXX balloon and another amount about to be added as a balloon, I owe $ XXXXXXXX XXXX  ( XXXX ) years later?? 
All of my payments that I have made since XXXX have paid more than $ XXXX plus interest and do not feel like I owe any more money. I feel like I am owed for pain, suffering and stress along with the fees added, foreclosures, attorney fees... etc for the years It took for a simple task of doing a modification when a customer is In need, should have been simple. All of my modifications were done inco, one after the other with incorrect numbers. It took months and years to complete the modifications. 
I have all of my documents from Wells Fargo, XXXX, XXXX from XXXXXXXX XXXX now if you need them, just let me know.

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