Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom may concern, In XX/XX/2017, my home sustained damage caused by Hurricane Irma.

The insurance company only paid {$1600.00} on damages that are beyond {$20000.00} including Roof, floors, windows, fence and other which left me with unspecified out of pocket expenses and income loss.

I have applied for Fema assistance and declined, and SBA disaster loans as well declined.

I am only two payments behind and requested from Wells Fargo a forbearance plan in order to get caught up with payments, but that is a futile move.

Wells Fargo has a very dangerous practice to send " contractors '' to trespass in the property under the excuse to see if the dwelling is inhabited.

Unfortunately, we have had criminal activity in the area and there are police reports to support this claim.

I have plead with WF to stop this dangerous harassment practice : we do not know if the people trespassing are criminals or contractors and that can lead to serious problems, potential loss of life or injury. I have requested of WF to stop this practice and make a phone call advising us, that they are sending a contractor, if they do so, they will be treated courteously and professionally as I welcome contractors at this home constantly. Yet they refuse, stating they have a " right '' to trespass.

In my opinion WF is using these trespassers as a form of harassment, endangering the lives of such trespassers and the people dwelling the property, there is no excuse for them to do such since I am in constant communication over the phone with them, making payment arrangements and getting help with the hurricane damage.

Wells Fargo falsely offered assistance to hurricane victims, and not only they have not helped with the payments, they opted for harassing me and my family sending a trespasser instead of offering a payment arrangement or grace period. They are conducting themselves as if the property is already under foreclosure, disregarding the offers of hurricane assistance.

Yet I am not surprised about their actions, with over 2 millions costumers defrauded, the SEC and DOJ investigating their Wealth Management department, I am absolutely certain that if they dig deep enough into Wells Fargo mortgage division, they will find millions of defrauded clients and criminal practices like the one used on me to send a trespasser into the property, risking lives of dwellers and " contractors '' While you are investigating, please check on their so called " contractors '' We caught one that was an ex-convict climbing my fence few years ago and he surrendered a work order from WF which prove it was not just an ordinary criminal but one with a work order from WF.

So there you have it Wells Fargo an institution plagued by criminal practices, fraud and in addition, mobster harassment practices against their mortgage clients.

Thankfully, I am getting caught up with the mortgage payments, but once I do so, I will initiate legal proceedings against WF for harassment, trespassing, pain and suffering as, now we have to watch constantly who is trying to invade the property resulting in traumatic loss of sleep, XXXX  after being involved in physical confrontations with their goons ( I've caught one climbing my fence with some weapon in his hand ) Calling the police, chasing them ( they all run as soon as I call the police ) and after talking to a police officer, we both agreed that is suspicious that these WF contractors take off running before the police arrives, why don't they stay and talk to the authorities?

I tell you why, because their actions are criminal and their contractors are ex cons.

What guarantee I have that the goons are sending are not going to hurt me or my family?

Quite frankly after seeing the abysmal criminal record of Wells Fargo, over 2 million costumers defrauded, investigated as we speak by the DOJ and SEC, I am convinced that WF is a dangerous organization that needs to be investigated, dismantled and their executives prosecuted for fraud.

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 non-monetary relief