Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX Wells Fargo Home Mortgage sent me a cashier 's check for {$16000.00} and a explanation letter. The letter vaguely explained that Wells Fargo Home Mortgage did not follow federal guidelines regarding the HAMP Loan modification program. I later found out that I did qualifiy for the " HAMP LOAN MODIFICATION PROGRAM '' but, they " Wells Fargo Home Mortgage '' denied it to me. After I first defaulted on my federally backed " Freddie Mac

Home mortgage Loan ''.

Wells Fargo Home Mortgage lied and falsely denied me the HAMP loan modification in XXXX XXXX Supreme Court. During court hearings in XXXX and XXXX, after Wells Fargo Home Mortgage denied me I insisted on paying the default amount and penalties out of my pension savings account. I did this in order to reinstate my original home mortgage loan. However, Wells Fargo Home Mortgage refused and denied me again. An instead, they Wells Fargo Home Mortgage persistently pushed and demanded I take their own, Wells Fargo Home Mortgage loan modification. Which was not authorized for FHA, Freddie Mac, XXXX XXXX, federally backed home loans. 

On XXXX XXXX I took Wells Fargo loan modification under duress or Wells Fargo would have foreclosed on my home. The Wells Fargo loan modification raised my interest rate from 3 % to 4 %. It extended my mortgage to 43 years. It increased my monthly mortgage payment and the amount owed on my mortgage. I had to pay legal fee 's, etc. from my homes equity. All in violation of federal guidelines for a XXXX XXXX home mortgage modification. 

In XXXX I defaulted again on my XXXX XXXX home mortgage due to a work injury. However I was able to reinstate the fraudulent mortgage loan I received on XX/XX/XXXX under duress by paying out of my pocket {$23000.00} plus to Wells Fargo Home Mortgage. The vast majority of that reinstatement payment went to Wells Fargo 's fee 's. I was helped by XXXX XXXX XXXX, Home Mortgage Counselor of XXXX  XXXX XXXX in XXXX XXXX, NY. 

On XX/XX/XXXX, Wells Fargo Home Mortgage " PAID OFF '' my Freddie Mac home mortgage and transferred it to XXXX XXXX XXXX XXXX XXXX 

And without my knowledge or approval. They, " Wells Fargo Home Mortgage '' changed my federally backed " Freddie Mac Home Mortgage '' to a privately back conventional 30 yr fixed mortgage. 

I later found out Wells Fargo Home Mortgage " PAID OFF MY MORTGAGE AND CHANGED THE TERMS TO MY MORTGAGE ''. I believe this was to hide their illegal wrong doings because Wells Fargo Home Mortgage lost a lawsuit filed against them regarding the " HAMP LOAN MODIFICATION MORTGAGE SCAM '' on or about XXXX to XXXX. The scan was published in the news, in XX/XX/XXXX. 

I XXXX XXXX only found out about Wells Fargo Home Mortgage paying off my Freddie Mac Home Mortgage Loan on XX/XX/XXXX. I was alerted by a Freddie Mac customer service agent '' XXXX '' that Freddie Mac I.D . # XXXX was paid off and transferred XXXX, XXXX. 

I was also later alerted on XX/XX/XXXX by " XXXX XXXX XXXX XXXX '' mortgage counselor. That the only way Wells Fargo Home Mortgage could pay off my Freddie Mac mortgage and change the terms to a conventional fixed mortgage. Would be if I agreed to a second refinance of my Freddie Mac Mortgage. Which I certainly don't recall doing at all in XXXX. I did not agree to a second refinance at all. 

Also Wells Fargo Home Mortgage and XXXX XXXX XXXX, XXXX have conspired against me. An have and still to this day. Falsely reported about me, my mortgage payment history and mortgage loan information to the three credit reporting agencies. Deliberately destroying and damaging my credit history and status since XXXX til present. 

In paragraph number three of the letter sent to me dated XX/XX/XXXX. Wells Fargo Home Mortgage stated they submitted a request to the consumer reporting agencies to update the loan information on my credit reports. As of Monday, XX/XX/XXXX. Five months after I sought a new mortgage for a new home with Wells Fargo Home Mortgage, Loan Officer XXXX XXXX. My loan information was not updated. 
The XXXX XXXX, XXXX County, Supreme Court Index # XXXX, That's for the fraudulent loan modification. An Index # XXXX for the fraudulent reinstatement payment.

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