Consumer complaint received 2026-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Follow-Up CFPB Complaint Subject : Follow-Up Complaint Wells Fargo Failed to Address the Basis for My XXXX FHA Loan Modification and FHA Partial Claim This is a follow-up to my previous CFPB complaint because Wells Fargo 's response did not answer the questions I raised. Instead, Wells Fargo explained what an FHA Partial Claim is and stated that I signed the Loan Modification Agreement and FHA Partial Claim documents. My complaint was not whether those documents exist. My complaint is why Wells Fargo determined that I qualified for those transactions and whether it can produce the records supporting those decisions. After reviewing the documents Wells Fargo provided, I now understand that XXXX separate transactions occurred on XX/XX/XXXX : An FHA Loan Modification that modified my first mortgage. An FHA Partial Claim that created a subordinate lien against my property. My previous complaint treated these as a single transaction because I was unaware, they were separate legal actions. Wells Fargo 's response did not address the basis for either decision. Background I purchased my home in XXXX. After losing my job in XXXX, I received assistance through the XXXX XXXX XXXX XXXX XXXXXXXX. According to the XXXX XXXX XXXX XXXX XXXX, Wells Fargo received {$12000.00} on my behalf between XXXX and XXXX. I returned to work in XX/XX/XXXX. More than XXXX years later, on XX/XX/XXXX, Wells Fargo executed an FHA Loan Modification and an FHA Partial Claim. Wells Fargo 's response did not explain why those actions were taken or provide the records supporting its decisions. Questions Wells Fargo Did Not Answer Please require Wells Fargo to answer the following questions and provide supporting documentation : What was the status of my mortgage immediately before XX/XX/XXXX? Was my loan delinquent? If so, by how much? What FHA eligibility requirements did I meet that qualified me for an FHA Loan Modification? What hardship evaluation, financial analysis, or loss mitigation review supported approval of the XXXX XXXX? The Loan Modification Agreement references a contemporaneous HUD XXXX XXXX amount of {$22000.00}, while the FHA Partial Claim Note executed the same day is for {$39000.00}. Please explain the relationship between these XXXX amounts and provide the calculations supporting each figure. The Loan Modification Agreement states that the amounts used in the transaction are explained in a Cover Letter that is incorporated into the agreement. Wells Fargo did not provide this Cover Letter in its CFPB response. Please provide the referenced Cover Letter and any worksheets or calculations incorporated into the agreement. Please provide the servicing notes documenting the decision to approve both the FHA Loan Modification and the FHA Partial Claim. Wells Fargo acknowledged that it issued me a remediation payment in XX/XX/XXXX after identifying a servicing issue. Please identify that servicing issue and explain whether it affected the loan modification, FHA Partial Claim, or payoff collected when my property was sold. Requested Relief I respectfully request that the CFPB require Wells Fargo to provide complete, document-supported answers to these questions rather than relying solely on the fact that I signed the loan documents. Lastly, Wells Fargo states that it can not identify the source of payments posted during XXXX, yet it relies on historical records to conclude that the XXXX modification was properly approved. Please identify the records supporting that conclusion My complaint is not about whether the documents exist. It is about whether Wells Fargo can demonstrate, through its servicing records and FHA loss-mitigation documentation, why these transactions were initiated and how the amounts were calculated.

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