Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Wells Fargo Account # XXXX XX/XX/XXXX To : XXXX XXXX XXXX, XXXX Wells Fargo Bank , N.A . 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Demand for Mortgage Discharge and Damages Dear : XXXX XXXX : I am writing to you today to demand that Wells Fargo discharge my mortgage and pay me XXXX in damages. On XX/XX/XXXX I took out a mortgage with Wells Fargo for {$120000.00} I have been making my mortgage payments on time and in full, but I was unable to make my payments due to the COVID-19 pandemic and I asked for assistance from Wells Fargo but I was denied and told by Wells Fargo that the only program available was Mortgage Forbearance.

At the top me there was a program available called the Louisiana Homeowner Assistance Fund, which was a federally funded relief program for homeowners that was financially affected by COVID-19 who were behind on their mortgages and at risk of foreclosure. Louisiana was one of the first states in the country to launch the program. But Wells Fargo did not allow me to apply or inform me of the program as a Consumer for financial relief during the pandemic which clearly violated my rights. 

Wells Fargo never offered me the program even when I sent a letter seeking help and Wells Fargo unilaterally placed me into forbearance without my consent. As a result, I have been unable to make my mortgage payments, and I have been charged late fees and other fees. My credit score has also been negatively affected. This has Violated my rights under every sector of law including the United States constitution I ask that you take this very seriously. 

I believe that Wells Fargo 's actions violated the following laws : The CARES Act The Federal Trade Commission Act Securities and Exchange Act The Truth in Lending Act The Fair Credit Reporting Act Louisiana Revised Statutes 9:3509.4 Louisiana Revised Statutes 9:3520.1 Louisiana Revised Statutes 9:3531.1 4th Amendment I am also aware that the following UCC codes may be applicable to this case : UCC 2-302 UCC 2-702 UCC 2-711 I am demanding that Wells Fargo immediately cease and desist from violating these laws and UCC codes. I am also demanding that Wells Fargo pay me {$75000.00} in damages to remedy the harm that it has caused me. 
If Wells Fargo does not comply with my demand within 30 days of the date of this letter, I will be forced to take legal action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Wells Fargo Account # XXXX XX/XX/XXXX To : XXXX XXXX XXXX, XXXX Wells Fargo Bank , N.A . 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Demand for Mortgage Discharge and Damages Dear : XXXX XXXX : I am writing to you today to demand that Wells Fargo discharge my mortgage and pay me XXXX in damages. On XX/XX/XXXX I took out a mortgage with Wells Fargo for {$120000.00} I have been making my mortgage payments on time and in full, but I was unable to make my payments due to the COVID-19 pandemic and I asked for assistance from Wells Fargo but I was denied and told by Wells Fargo that the only program available was Mortgage Forbearance. 
At the top me there was a program available called the Louisiana Homeowner Assistance Fund, which was a federally funded relief program for homeowners that was financially affected by COVID-19 who were behind on their mortgages and at risk of foreclosure. Louisiana was one of the first states in the country to launch the program. But Wells Fargo did not allow me to apply or inform me of the program as a Consumer for financial relief during the pandemic which clearly violated my rights. 

Wells Fargo never offered me the program even when I sent a letter seeking help and Wells Fargo unilaterally placed me into forbearance without my consent. As a result, I have been unable to make my mortgage payments, and I have been charged late fees and other fees. My credit score has also been negatively affected. This has Violated my rights under every sector of law including the United States constitution I ask that you take this very seriously.

I believe that Wells Fargo 's actions violated the following laws : The CARES Act The Federal Trade Commission Act Securities and Exchange Act The Truth in Lending Act The Fair Credit Reporting Act Louisiana Revised Statutes 9:3509.4 Louisiana Revised Statutes 9:3520.1 Louisiana Revised Statutes 9:3531.1 4th Amendment I am also aware that the following UCC codes may be applicable to this case : UCC 2-302 UCC 2-702 UCC 2-711 I am demanding that Wells Fargo immediately cease and desist from violating these laws and UCC codes. I am also demanding that Wells Fargo pay me {$75000.00} in damages to remedy the harm that it has caused me.

If Wells Fargo does not comply with my demand within 30 days of the date of this letter, I will be forced to take legal action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Wells Fargo Account number XXXX XX/XX/XXXX To : XXXX XXXX XXXX, XXXX Wells Fargo Bank , N.A . 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Demand for Mortgage Discharge and Damages Dear : XXXX XXXX : I am writing to you today to demand that Wells Fargo discharge my mortgage and pay me XXXX in damages. On XX/XX/XXXX I took out a mortgage with Wells Fargo for {$120000.00} I have been making my mortgage payments on time and in full, but I was unable to make my payments due to the COVID-19 pandemic and I asked for assistance from Wells Fargo but I was denied and told by Wells Fargo that the only program available was Mortgage Forbearance.

At the top me there was a program available called the Louisiana Homeowner Assistance Fund, which was a federally funded relief program for homeowners that was financially affected by COVID-19 who were behind on their mortgages and at risk of foreclosure. Louisiana was one of the first states in the country to launch the program. But Wells Fargo did not allow me to apply or inform me of the program as a Consumer for financial relief during the pandemic which clearly violated my rights.

Wells Fargo never offered me the program even when I sent a letter seeking help and Wells Fargo unilaterally placed me into forbearance without my consent. As a result, I have been unable to make my mortgage payments, and I have been charged late fees and other fees. My credit score has also been negatively affected. This has Violated my rights under every sector of law including the United States constitution I ask that you take this very seriously.

I believe that Wells Fargo 's actions violated the following laws : The CARES Act The Federal Trade Commission Act Securities and Exchange Act The Truth in Lending Act The Fair Credit Reporting Act Louisiana Revised Statutes 9:3509.4 Louisiana Revised Statutes 9:3520.1 Louisiana Revised Statutes 9:3531.1 4th Amendment I am also aware that the following UCC codes may be applicable to this case : UCC 2-302 UCC 2-702 UCC 2-711 I am demanding that Wells Fargo immediately cease and desist from violating these laws and UCC codes. I am also demanding that Wells Fargo pay me {$75000.00} in damages to remedy the harm that it has caused me.

If Wells Fargo does not comply with my demand within 30 days of the date of this letter, I will be forced to take legal action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Wells Fargo Account Number : XXXX XX/XX/XXXX To : XXXX XXXX XXXX, XXXX Wells Fargo Bank , N.A . 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Demand for Mortgage Discharge and Damages Dear XXXX XXXX, I am writing to you today to assert my rights and demand that Wells Fargo discharge my mortgage and compensate me with {$75000.00} in damages. In XX/XX/XXXX, I entered into a mortgage agreement with Wells Fargo for a principal amount of {$120000.00}. I have diligently made my mortgage payments on time and in full. However, due to the adverse financial impact of the COVID-19 pandemic, I faced significant challenges in meeting my payment obligations. Consequently, I approached Wells Fargo for assistance, but my request was denied, with the bank informing me that the only available program was " Mortgage Forbearance. '' To my knowledge, there existed a program called the " Louisiana Homeowner Assistance Fund '' at the time, which was a federally funded relief initiative designed to aid homeowners financially affected by COVID-19, specifically those who had fallen behind on their mortgages and were at risk of foreclosure. Louisiana was one of the pioneering states to launch this program. Regrettably, Wells Fargo neglected to provide me with an opportunity to apply for or even inform me about this program as a consumer seeking financial relief during the pandemic. Such actions clearly violated my rights.

Moreover, Wells Fargo not only failed to offer me the program but unilaterally placed me into forbearance without my consent. Consequently, I have been unable to make my mortgage payments and have incurred various fees, including late fees and other charges. Furthermore, my credit score has suffered negative consequences. This series of events constitutes a violation of my rights under numerous areas of law, including but not limited to the United States Constitution. I implore you to treat this matter with utmost seriousness.

I firmly believe that Wells Fargo 's actions have contravened the following laws : The CARES Act The Federal Trade Commission Act The Securities and Exchange Act The Truth in Lending Act The Fair Credit Reporting Act Louisiana Revised Statutes 9:3509.4 Louisiana Revised Statutes 9:3520.1 Louisiana Revised Statutes 9:3531.1 The Fourth Amendment Additionally, I am aware that the following UCC codes may be applicable to this case : UCC 2-302 UCC 2-702 UCC 2-711 I demand that Wells Fargo promptly ceases and desists from further violations of these laws and UCC codes. Furthermore, I insist that Wells Fargo compensates me with {$75000.00} in damages to rectify the hardships it has caused me. 
Please be advised that if Wells Fargo fails to comply with this demand within 30 days of the date of this letter, I will be left with no choice but to pursue legal action. 
Sincerely, 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