Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal CFPB Complaint Improper Assessment and Collection of Fees/Late Charges After Alleged Foreclosure Sale and Contradictory Mortgage Account Reporting I am submitting this complaint against Wells Fargo regarding the continued assessment and collection of mortgage-related fees and late charges after Wells Fargo previously represented that the property was foreclosed and sold. This complaint concerns serious contradictions in the account status, balance reporting, and continued servicing activity associated with the mortgage account connected to the property located in XXXX XXXX, California. According to Wells Fargos prior representations, the property was allegedly sold through foreclosure on XX/XX/year>. However, despite those representations, Wells Fargo continues to maintain and assess charges against the account as though the loan remains active. Most recently, on XX/XX/year>, Wells Fargo posted a transaction identified as a payment in the amount of {$1600.00}, specifically categorized under Fees/late charges. At the same time, the account continues to display an Outstanding principal balance of {$460000.00}. These representations create significant inconsistencies and raise serious concerns regarding the true legal and financial status of the account. If Wells Fargo maintains that the foreclosure sale was completed and ownership transferred, then it is unclear why : - the mortgage account continues reflecting an active principal balance, - fees and late charges are still being assessed or collected, - servicing activity continues after the alleged foreclosure completion, - and the account remains financially active despite representations that collateral was reclaimed through foreclosure. Conversely, if the loan remains active and collectible, then this raises additional concerns regarding whether the alleged foreclosure sale was ever finalized, completed, or properly verified. These contradictions are especially concerning because : - no Trustees Deed Upon Sale has been provided, - no verified purchaser documentation has been disclosed, - inconsistent foreclosure-related information has already been reported across multiple communications, - and the account continues reflecting conflicting statuses simultaneously. The continued imposition or collection of fees after an alleged foreclosure sale may constitute : - inaccurate mortgage servicing practices, - improper fee assessment, - misleading account reporting, - and potentially unfair or deceptive servicing conduct. This matter should also be reviewed in connection with my prior CFPB complaints involving : - disputed foreclosure procedures, - contradictory foreclosure representations, - accounting inconsistencies, - force-placed insurance issues, - and ongoing disputes concerning the validity and status of the alleged foreclosure process. The continued contradictory reporting and assessment of charges after an alleged foreclosure sale raises substantial concerns regarding the accuracy, integrity, and legality of Wells Fargos servicing and foreclosure-related conduct. Additional References : CFPB Complaint No. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX FTC Report XXXX ; OCC Case No. XXXX DFPI complaints XXXX, XXXX, 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