Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This all started my XXXX loan Mod, where they said if I paid for XXXX  months, they would take XXXX off of the total, unfortunately I tried to make my payment on-line and was denied this opportunity, I called approximately XXXX times trying to at least unlock my online account to no avail, I spoke to a supervisor, that was very rude at the time and they told me there was nothing they could do about it, I immediately assumed something was wrong, especially since Wells Fargo would be $ XXXX liable, this figure would have sufficed at the time an brought me current and I would be on on schedule to make all of my necessary payments to keep current with my mortgage, I know, if provided the opportunity this could all have been alleviated and I have spent a lot of money trying to rectify this entire situation and I know I have been treated very unfairly during this whole process since this entire issue transpired. I feel they were not dealing with me because they did not want to honor the government money they were going to, or did in fact receive on my loan, I think this should be investigated as a side-note. I would appreciate someone reviewing all of my documentation that I will be uploading that I spent the past XXXX hours putting together, as well as the XXXX 's of hours spent getting information together for court cases, XXXX  XXXX filings, and documents needed to not only obtain a lawyer, but to provide al of the necessary documentation to continue this course of action to keep my home. After this whole ordeal, they sold off my mortgage to XXXX they refused to work with me as you will see from all of the attachments I will include in this complaint/notification, I am always available for any questions or concerned via email and this information can be found on my login information. 

After reviewing their response, I think they could have been a lot more transparent in all of their poorly written excuses, upon their response to this they just happened to sell my mortgage, probably under false pretenses with XXXXXXXX XXXX XXXXXXXX, XXXX this all happened I needed to file for XXXX  just to be able to continue to pay my mortgage, I still feel they are in arrears to me for at least $ XXXX inclusive of late fees, lawyer costs, ect I really feel that Wells Fargo has gotten away with some devious, anti-customer behaviors throughout the years. I was particularly confused by how they were able to regain their status. I am also confused why I was not offered the XXXX  settlement offer from Wells Fargo regarding a settlement since I have been on their radar for all pending litigation, here is what I found online : Wells Fargo settlement check amounts vary significantly depending on the specific lawsuit, but recent settlements include payouts for wrongful repossessions at a base of {$4000.00} per customer, a {$1.00} XXXX fine for the CFPB that indirectly benefits victims, and an estimated {$86.00} per call for a class action settlement regarding unconsented recorded calls. Some customers who were unable to modify their mortgages to avoid foreclosure have received an average of {$24000.00}. 
Here are details on the amounts for different Wells Fargo settlements : Wells Fargo Mortgage and Deposit Account Settlement ( XXXX  ) Wrongful Repossessions :. 
Customers who lost their cars after being wrongfully repossessed will receive a base amount of {$4000.00}, potentially more depending on their case.

Mortgage Modification Issues :. 
Customers who couldn't get loan modifications to avoid foreclosure could see an average of {$24000.00}. 



I would expect, at this point, that Wells Fargo make good on their repeated promises to work with customers that, for no fault of their own, would attempt to reconcile my account in a fair and equitable manner. I feel that since they were bailed out, that they should have the responsibility to provide the same outcomes for all of their past and future customers.

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