Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello, I, XXXX XXXX, am reaching out for assistance on an issue I experienced with Wells Fargo Home Mortgage. I unsuccessfully tried to dispute fraudulent practices against me with Wells Fargo. During a tough period in my life I was responsible for taking care of my ailing parents. My mom was a XXXX survivor and was battling XXXX. My dad battled with issues associated with XXXX. This is how I fell behind on my mortgage. I made numerous attempts to dispute the wrongs being done to me by Wells Fargo. This battle has now spanned 13 years without an adequate resolution. Although I have been discouraged in my continuous fight with Wells Fargo, I recently received a letter dated XX/XX/XXXX ( see attached ) which stated an error occurred and my mortgage was eligible for payment assistance and a calculation error ( reference # XXXX ). Had this been identified sooner I would not have lost my home, displaced my family, or at the very least benefited from the foreclosure overage stolen from me when the 2nd forgiven mortgage was fraudulently added back to my loan amount during the modification process. Please see my timeline below and back up documents attached. Any assistance to help me right this wrong is greatly appreciated. 

Timeline : XX/XX/XXXX - Wells Fargo forgave my 2nd mortgage ( Second Lien Modification Program ( 2MP ) Eligibility ( item 4 ) Loan was determined predatory. 
XXXX Wells Fargo sold the 2nd mortgage to a collection agency ( item 5 ). I continuously disputed the 2nd mortgage using item 4- Forgiveness letter. 
XXXX To avoid foreclosure, Wells Fargo provides a reinstatement quote which was calculated through XX/XX/XXXX, due XX/XX/XXXX ( item 3 ) XXXX Letter to Wells Fargo Trustee to dispute principal amount. ( item 1 ) XX/XX/XXXX Full reinstatement amount wired to Wells Fargo ( item 2 ) XX/XX/XXXX Made XXXX payment to Wells Fargo ( to be current going forward ). Wells Fargo rejected my reinstatement payment. and my XXXX payment. Unable to provide the additional amount which would have been owed since calculation was through the end of the month of XXXX. 
XX/XX/XXXX Wrote letter to CFPB. 
XX/XX/XXXX Forced to File Bankruptcy to protect myself from the foreclosure proceedings. While continuing to dispute with Wells Fargo. 
XXXX Reached out to XXXX XXXX Deputy Director, Mediation Unit Office of Attorney General Consumer Protection Division ( directed to CFPB ) Continued communication with CFPB. 
XXXX Signed a lease to rent my home from XXXX XXXX XXXX who purchased my home in foreclosure sale. 
XXXX Renting my home from the new owners, XXXX  XXXX XXXX ( Mortgage {$1200.00} changed to Rent $ XXXX/month ) XXXX File claim with CFPB to revisit my first claim ( noticed CFPB articles which led to a Wells Fargo Settlement ) XX/XX/XXXX XXXX Forced to move out of my home- XXXX XXXX sold my home to take advantage of the seller 's market and charged me {$700.00} for taking appliances I purchased and owned. 
XXXX Wrote to XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX was on XXXX discussing Wells Fargo ) XXXX Call for Action against Wells Fargo email to XXXX XXXX XXXX XXXX XXXX ( directed to CFPB ) XXXX Wells Fargo sent check XXXX referencing my mortgage loan XXXX. 
XXXX Notice check XXXX has not been cashed. I called to inquire about the payment and was told simply this payment is a reimbursement for a calculation error on my home mortgage. 
XXXX Wells Fargo Customer Care Remediation Letter-After losing my home Wells Fargo letter states a calculation error occurred and sent a check for {$200.00} ( attached ) Sincerely, XXXX XXXX ( XXXX ) 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