Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Response to Consumer Financial Protection Bureau Wells Fargo XXXX - TO : Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX : XX/XX/XXXX RE : Wells Fargo XXXX - Request to investigate Wells Fargo Dear CFPB Representative : I am responding to your request for additional information regarding my complaint against Wells Fargo . I respectfully request that this complaint remain open as the issues outlined below demonstrate ongoing violations of federal housing laws and consumer protection regulations that require continued oversight and resolution. 
Background and Timeline The deed in lieu of foreclosure was completed in XXXX after XXXX years of foreclosure proceedings. We signed a lease for a new home in XX/XX/XXXX and relocated our family. However, one year later in XXXX, Wells Fargo contacted us at our new address requesting that we re-sign the deed in lieu documents, claiming they had misplaced the originals. This extraordinary admission demonstrates Wells Fargos negligent handling of critical legal documents. 
XXXX XXXX Law Violations Wells Fargo has committed numerous violations of federal housing laws, including but not limited to : 1. XXXX Program Violations Failure to provide promised relocation assistance : Under the Home Affordable Foreclosure Alternatives ( HAFA ) program, we were entitled to {$10000.00} in relocation assistance upon completion of the deed in lieu. 
Eight-year delay in partial payment : Wells Fargo XXXX only {$2000.00} in XX/XX/XXXX and {$230.00} in XXXX XXXX XXXX years after the deed in lieu was executed. 
Government program non-compliance : This failure to honor XXXX commitments violates federal program guidelines and Treasury Department regulations. 
2. Documentation and Record-Keeping Violations Systematic destruction of records : Wells Fargo claims ten years, no records found yet selectively provides incomplete and contradictory documentation.

Missing foreclosure documents : Wells Fargo failed to provide required foreclosure documentation throughout the eight-year process. 
Failure to issue required tax documents : We never received the XXXX Form 1099-C showing {$78000.00} in cancelled debt, which violates XXXX  reporting requirements. 
3. Servicing Violations Continued utility responsibility : We were required to maintain utilities for an additional year while Wells Fargo completed their inspections, despite having completed the deed in lieu. 
Improper loan modifications : The XXXX modification inexplicably increased our principal by {$71000.00} without proper disclosure or explanation. 
Inadequate Response and Settlement Offer Wells Fargos recent mediation offer of {$2000.00} is wholly inadequate and insulting given : XXXX years of foreclosure proceedings Violation of federal XXXX program requirements Missing documentation and destroyed records Failure to provide required tax documentation The substantial financial and emotional harm caused to our family Wells Fargos own representative acknowledged during mediation that they would not offer money if there wasnt an error on their part. This admission validates our position that Wells Fargo recognizes wrongdoing in their handling of our mortgage. 
Pattern of Misconduct Wells Fargo has faced numerous class action lawsuits from this era for similar mortgage servicing violations. Their pattern of : Illegal foreclosure practices Improper loan modifications Failure to honor government program commitments Destruction of borrower records demonstrates systemic issues that extend far beyond our individual case. 
Outstanding Issues Requiring Resolution 1. Missing XXXX Form 1099-C : We require explanation of the {$78000.00} in cancelled debt and proper tax documentation. 
2. Complete HAFA payment : The remaining {$7700.00} in promised relocation assistance ( {$10000.00} minus the {$2200.00} received ). 
3. Full accounting : Complete documentation of all loan modifications, fees, and charges applied to our account from XXXX. 
4. Appropriate compensation : Recognition of the economic damages and emotional distress caused by XXXX years of improper foreclosure proceedings and servicing violations. 
Request for Continued CFPB XXXX Given the severity of these violations and Wells Fargos inadequate response, I respectfully request that the CFPB : 1. Keep this complaint open until all federal housing law violations are properly addressed 2. Investigate Wells Fargos XXXX program compliance for potential systemic violations XXXX. Require Wells Fargo to provide complete documentation of our loan history and all modifications 4. Ensure proper compensation commensurate with the violations and harm caused Wells Fargos conduct has devastated families, including mine, through illegal financial practices. Their current inadequate response demonstrates a continued lack of accountability that requires ongoing regulatory oversight. 
I am available to provide any additional documentation or information needed to support this complaint and ensure Wells Fargo is held accountable for their violations of federal housing laws. 
Thank you for your continued attention to this matter. 

Sincerely, XXXX

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