Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
NOTE : This is a continuation of active CFPB Complaints # XXXX, # XXXX, and # XXXX. This submission provides critical additional forensic data and evidentiary exhibits to support the administrative record. ======================================================================== FORENSIC AUDIT EXHIBIT : CAPITALIZATION & PAYMENT DISCREPANCY ANALYSIS Regarding Wells Fargo Response Data ( CFPB Portal Case Record ) ======================================================================== XXXX. THE SERVICER 'S WRITTEN ADMISSION OF BASE DELINQUENCY : In formal administrative responses issued by Executive Office Case Specialist XXXX XXXX, Wells Fargo provided the specific itemized figures used to calculate the forced XX/XX/XXXX Loan Modification principal increase : Delinquent Interest : {$5800.00} Delinquent Escrow : {$5500.00} Recoverable Expenses : {$1300.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TOTAL ACCRUED BASE DELINQUENCY : {$12000.00} ( Minus a minimal {$150.00} acknowledged in unapplied funds, yielding the net forced modification balance of {$12000.00} ). XXXX. THE FORENSIC CONTRADICTION & EVIDENCE OF DOUBLE-DIPPING : FACT : Wells Fargo documented that the entire accrued amount required to bring the loan current following the XXXX XXXX disaster suspension program was {$12000.00}. FACT : Bank statements and mortgage ledger records prove the consumer consistently submitted thousands of dollars in active monthly mortgage payments while under the protection of the disaster suspension program. CONCLUSION : If the true accumulated delinquency on the account was only {$12000.00}, the substantial cash payments made by the consumer during that exact period should have drastically reduced or entirely wiped out this balance prior to any modification calculations. XXXX. REVENUE/EQUITY STRIPPING VIOLATION : Instead of applying the consumer 's active cash payments directly to clear the accrued interest and escrow balances as required by XXXX XXXX XXXXXXXX Guidelines , Wells Fargo diverted those funds into an unverified " unapplied funds '' pool, suppressed the true ledger, and capitalized the full {$12000.00} delinquency balance into the new principal. By withholding the consumer 's cash while simultaneously adding the exact same debt onto the back of the loan, Wells Fargo effectively charged the consumer twice and stripped the property of its rightful equity. ======================================================================== EVIDENTIARY EXHIBIT ROADMAP & ADMINISTRATIVE NOTICE ======================================================================== In support of this master 14-count complaint, the following documentation is incorporated into the record : EXHIBIT A ( Attached ) : Original Executed XXXX XXXX Security Instrument dated XXXX. This document explicitly establishes the true XXXX origination date, conventional Fannie Mae uniform covenants, and the fully executed Condominium Rider. EXHIBIT B ( Attached ) : This Forensic Math and Capitalization Discrepancy Analysis text. Exhibit B utilizes Wells Fargo 's own written figures ( {$5800.00} in interest and {$5500.00} in escrow ) to mathematically prove that active cash payments were suppressed, resulting in an artificial delinquency. PROOF OF CASH PAYMENTS : Complete sets of supporting bank statements showing ongoing payments made during the disaster suspension program, previously uploaded under active companion files # XXXX and # XXXX. NOTICE TO INVESTIGATOR REGARDING SYSTEMIC PATTERN : This filing outlines a pattern of ongoing, unresolved systemic violations and data corruption. This submission directly builds upon, but remains distinct from, the unresolved factual records established in my previously closed CFPB complaints. The investigator is requested to review the following historical case files accessible within the Bureau 's database for full administrative context : CFPB XXXX XXXX. XXXX ( Closed ) CFPB XXXX XXXX. XXXX ( Closed ) CFPB XXXX XXXX. XXXX ( Closed ) CFPB XXXX XXXX. XXXX ( Closed ) CFPB XXXX XXXX. XXXX ( Closed ) ======================================================================== DEMANDED FINANCIAL REMEDY & RESOLUTION ======================================================================== The consumer demands a total direct financial resolution and monetary restitution of {$100000.00} to fully compensate for cumulative equity stripping, double-capitalized disaster balances, suppressed cash payments, and extensive administrative harm across five prior closed filings. A full accounting reconciliation of the {$39000.00} in missing disaster-period payments, the removal of the {$5800.00} forced interest, and the removal of the {$5500.00} forced escrow from the capitalized principal balance is required to clear this account. As previously stated, a copy of this administrative record will be shared with the following agencies for oversight : Florida Attorney General Florida Office of Financial Regulation FHA / HUD Fannie Mae Florida Department of Agriculture and Consumer Services As previously stated a copy of this will be shared with the following agencies : In addition to the CFPB - Florida Attorney General Florida Office of Financial Regulation FHA/HUD Fannie Mae Florida Department XXXXf Agriculture and Consumer Services

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