Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a continuation of CFPB Complaint # XXXX and # XXXX, that were both filed with multiple attached supporting documentation, for the purposes to upload additional critical supporting documentation. ( Copies of those complaints attached ) SUPPLEMENTAL STATEMENT OF FACTS & DEMAND FOR RESOLUTION TO : Consumer Financial Protection Bureau ( CFPB )/ Executive Compliance Teams for Wells Fargo and XXXX XXXX FROM : XXXX XXXX XXXX DATE : XX/XX/XXXX REGARDING : Continued Complaint : Account Manipulation, Manufactured Delinquency, and Illegal Dual-Tracking Under Federal Disaster Protection I. PREAMBLE : THE HUMAN IMPACT OF EXECUTED DECEPTION This supplement is submitted alongside newly recovered, primary source financial documents from late XXXX and the full year of XXXX. While the attached technical timeline explicitly details systemic account manipulation and regulatory violations committed by the servicer, the human cost of these manufactured default practices can not be separated from the numbers on the ledger. When a homeowner enters into an federally backed disaster relief program following a catastrophic event like XXXX XXXX, they are doing so under the presumption of safety and legal protection. Instead, the servicer chose to weaponize the crisisarbitrarily yanking my account from protection, actively refusing to apply my lawful monthly payments, and diverting my equity into unapplied suspense holding accounts. By systematically rejecting my money to manufacture a false 90-day delinquency, the servicer intentionally forced me into an unauthorized loan modification. They threw me into a relentless cycle of extreme financial duress, bombarding me with continuous foreclosure threats on the very same statements where they simultaneously acknowledged I was enrolled in a protective assistance program. The intentional fear of losing my homewhich represents not only my shelter but my entire retirement securitywas actively used as leverage to force compliance. This calculating corporate deception inflicted severe, compounding emotional distress, causing profound XXXX, unnecessary duress, and forcing a disruption to my livelihood and a premature return to employment just to protect my property from an illegal corporate seizure. II. FORENSIC CHRONOLOGICAL TIMELINE OF ACCOUNT VIOLATIONS XX/XX/XXXX XX/XX/XXXX : Following XXXX XXXX ( XX/XX/XXXX ), the consumer was properly placed into an approved XXXX XXXX Disaster Payment Suspension Plan, as explicitly noted on consecutive monthly mortgage statements. XX/XX/XXXX XX/XX/XXXX ( The Manufactured Default ) : Without justification, proper notice, or consumer consent, Wells Fargo abruptly terminated the active disaster suspension plan. During this 90-day window, the servicer actively rejected and returned the consumer 's lawful monthly mortgage payments, diverting funds to an " unapplied '' balance to artificially fabricate a delinquency. XX/XX/XXXX ( The Extortion Penalty ) : Immediately upon reaching the manufactured delinquency threshold, Wells Fargo assessed predatory corporate advances, including a {$1300.00} " Attorney fee '' on XX/XX/XXXX and a {$300.00} " Attorney cost '' on XX/XX/XXXX, utilizing the fake default as immediate financial leverage. XX/XX/XXXX XX/XX/XXXX ( Illegal Dual-Tracking ) : After the consumer contested the default, the statements reinstated the consumer into the Mortgage Assistance Program. However, while explicitly acknowledging the protective disaster program on every statement, the servicer simultaneously issued active foreclosure warnings. Under RESPA guidelines, a servicer is strictly forbidden from maintaining active foreclosure tracking while a borrower is participating in an approved loss mitigation program. XX/XX/XXXX ( Deception & Concealment ) : The servicer executed a forced loan modification, quietly capitalizing {$12000.00} into the principal balance. Crucially, the vital transaction breakdown page ( Page 3 ) was withheld/missing from delivery to actively conceal the ledger. Furthermore, statements explicitly note that corporate figures " do not reflect any unapplied payments, '' confirming the servicer withheld consumer funds to artificially inflate the modification balance. III. CONCLUSION & MANDATORY DEMAND FOR FAIR RESOLUTION The enclosed billing statements printed by the servicer 's own systems provide undeniable evidence of bad-faith tracking, unfair and deceptive trade practices ( FDUTPA ), and explicit dual-tracking violations under RESPA guidelines. The servicer can no longer hide behind claims of simple clerical errors or automated system glitches. The documentation proves a deliberate corporate pattern of manufacturing an artificial default to extract predatory legal fees and capitalize previously deferred balances into an inflated interest-bearing principal balance. To resolve this matter short of formal civil litigationwhere treble damages, punitive damages, and statutory elder financial exploitation penalties will be pursued before a juryI demand a complete account correction, total removal of all predatory legal and late fees, and a fair resolution payment, outlined below, to address the profound financial and personal harm inflicted on me by Wells Fargo Home Mortgage Company and XXXX, XXXX XXXX XXXX XXXX, by XX/XX/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