Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Re : Request for Assistance Wells Fargo Mortgage Servicing, Foreclosure, and Unauthorized Charges Dear Sir or Madam, I am writing to respectfully request the assistance of the Consumer Financial Protection Bureau regarding serious and ongoing issues with my mortgage servicer, Wells Fargo Home Mortgage, as well as related matters affecting my primary residence. I am an XXXX senior citizen, living on a fixed single income, and I have resided in my cooperative apartment in the XXXX since XXXX. 



My wife passed away in XX/XX/XXXX, and since her passing it has been extremely difficult to manage financially. Despite these hardships, I have made every effort to remain current on my obligations and to work in good faith with my mortgage servicer. 



Recently, Wells Fargo placed a foreclosure on my property. However, I have never received a foreclosure notice, demand letter, court docket number, or court date from Wells Fargo. The only foreclosure-related notice I received was from a XXXX-party company, RAS, located in XXXXXXXX XXXX, New York XXXX dated XX/XX/XXXX, which listed a sale date of XX/XX/XXXX. 



Upon receiving this notice, I immediately contacted Wells Fargos Home Retention Department and submitted a complete application requesting review and suspension of the foreclosure. Wells Fargo confirmed that the foreclosure was suspended, and to this date the account continues to reflect a suspended status. Despite this, I continue to receive conflicting information and remain fearful of losing my home. 



Throughout XXXX, I made numerous mortgage payments, both personally and with assistance from my children, all in good faith toward my outstanding balance : XX/XX/XXXX : {$1400.00} ( returned due to insufficient funds by less than {$25.00} after unexpected fees were assessed ) XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$1700.00} XX/XX/XXXX : {$1400.00} plus an additional {$250.00} My son made payments for XXXX, XXXX, XXXX, XXXX, and XXXX, in the amount of {$380.00} each month My daughter made payments in XXXX, XXXX, XXXX, and XXXX, including XXXX payments in XXXX, each in the amount of {$380.00} The returned XXXX payment occurred after XXXX XXXX XXXX XXXX XXXX XXXX, which collects the monthly maintenance fees, assessed an unexpected charge of approximately {$3200.00} {$3200.00} in XX/XX/XXXX. My regular monthly maintenance is {$1500.00}, and as a senior living alone on a fixed income, this assessment caused severe financial hardship. 



Additionally, XXXX XXXX, the buildings management company, assessed building fees that were added to my mortgage balance without my knowledge, authorization, or consent, further increasing my financial burden and contributing to the foreclosure action. 



I have also experienced serious and ongoing problems with the condition of my apartment. The apartment is in significant disrepair, including mold in both the bedroom and living room, persistent roach infestation throughout the year, cracked and damaged walls, and a ceiling in need of repair. I have repeatedly notified XXXX XXXX of these conditions, but no meaningful repairs have been made. These conditions have negatively affected my health, safety, and quality of life as an elderly resident. 



Furthermore, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have failed to properly apply benefits and abatements I am entitled to, including my senior citizen tax abatement, HEAP assistance through XXXX, and other yearly senior discounts. I have made several attempts to contact both companies to correct these issues, but little to no action has been taken. 



Given my age, limited income, long-term residency, the lack of proper foreclosure notice, the addition of unauthorized charges, and the ongoing servicing and management issues, I respectfully request the CFPBs assistance in reviewing this matter. I am seeking clarification of the true status of my mortgage, confirmation of any foreclosure proceedings, proper application of all payments and benefits, and protection from the loss of my home. 



Thank you for your time and consideration. Any assistance you can provide would mean a great deal to me. 



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