Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) FORMAL COMPLAINT TO : Office of Consumer Response COMPANY : Wells Fargo Bank , N.A . PRODUCT : Mortgage ( XXXX XXXX XXXXXXXX ) RE : Loan Number # XXXX / Property : XXXX XXXX XXXX XXXX, XXXX, GA FILED BY : XXXX XXXX ( Witness and Consumer Advocate for XXXX XXXX ) I. PRELIMINARY STATEMENT : THE MANUFACTURED DEFAULT I am filing this complaint to report a calculated, systemic campaign of administrative fraud committed by Wells Fargo Bank , N.A . This case represents a " predatory servicing lifecycle '' where the borrower was intentionally coached into a default and subsequently barred from any legal path to cure. This was not a financial failure by the borrower ; it was a prepackaged foreclosure manufactured through bad-faith maneuvers, document suppression, and the willful violation of federal servicing laws. XXXX. PERFORMANCE WITHOUT REMEDY ( XX/XX/XXXX XX/XX/XXXX ) The most egregious evidence of bad faith is Wells Fargo 's conduct following the borrower 's post-forbearance recovery. The Performance : XXXX XXXX demonstrated total financial recovery by making XXXX ( XXXX ) consecutive, full monthly payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Request : During this XXXX window of perfect performance, the borrower repeatedly requested the XXXX XXXX XXXX XXXXthe intended remedy for borrowers exiting a forbearance who can resume normal payments. The Fraud : Wells Fargo accepted these full payments but willfully refused to execute the deferral. Instead, they siphoned current funds into a " Suspense Account '' to pay pre-petition attorney fees ( satisfied in XXXX ) and kept the loan in a state of " Permanent Technical Default. '' This was a tactical maneuver to maintain a legal justification for foreclosure despite the borrowers 100 % performance. XXXX XXXX XXXX XXXX XXXX OBSTRUCTION & REGULATORY BREACH ( XX/XX/XXXX ) On XX/XX/XXXX, while the borrower was in her third month of perfect performance, a representative named XXXX willfully lied about available options. When the borrower requested the deferral, XXXX dismissed the request, stating it " wasn't really an option. '' Violation : This is a direct breach of Fannie Mae Servicing Guide XXXX ( Hierarchy of Workout Options ) and the " Reasonable Diligence '' requirements of XXXX C.F.R. XXXX. By providing false information to prevent an application, Wells Fargo engaged in deceptive trade practices. IV. TRIPLE-LETTER DUAL TRACKING ( XX/XX/XXXX ) In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX '' reached a peak of absurdity. While agents XXXX and XXXX were inducing the borrower to submit applications to " stop '' the sale, the bank was counting down to an XX/XX/XXXX auction. The Evidence : The bank issued three ( 3 ) conflicting decision letters in a 12-day window ( XX/XX/XXXX, and XXXX ). The Lie : In their correspondence dated XX/XX/XXXX, Wells Fargo claimed the account was " not active in a review. '' The existence of these three " Decision Letters '' proves that an active review was occurring while the foreclosure clock never pauseda per XXXX violation of dual-tracking prohibitions under Regulation X. V. 410 DAYS OF IDENTITY CONTEMPT & RECORD FRAUD Wells Fargo admitted in their XX/XX/XXXX, correspondence that they received the borrower 's Superior Court Name Change Decree on XX/XX/XXXX. The Contempt : Despite this admission, the bank and its counsel, XXXX XXXX XXXX, willfully published foreclosure notices under a defunct name for XXXX consecutive days. Violation : This was a tactical maneuver to hide legal proceedings from the borrowers credit profile and is a " Per Se '' violation of 12 C.F.R. 1024.38 ( Maintenance of Accurate Records ).

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