Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Company : Wells Fargo Bank , N.A . 
Servicers Counsel : XXXX XXXX XXXX Case : XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Summary of Complaint I am the homeowner in the above case. Wells Fargo and its attorneys have engaged in multiple acts of misconduct that are forcing me into wrongful foreclosure despite my compliance with my loan modification agreement. 



Details of Misconduct XXXX. Loan Modification Agreement Accepted On XX/XX/year>, I accepted a trial loan modification agreement with trial payments due XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. 
I timely made all three trial payments ( XXXX, XXXX, XX/XX/year> ). 

XXXX. Misrepresentation of Loan Modification Timeline At my court hearing on XX/XX/year>, XXXX XXXX attorney ( XXXX from XXXX XXXX XXXX, admitted pro XXXX vice WITHOUT WISCONSIN SPONSOR ) falsely stated under oath that I accepted my modification on XX/XX/year>, and that I only made XXXX payments. 
This is false and defamatory. I have made XXXX, XXXX, XXXX, XXXX, and XX/XX/year> payments. 

XXXX. Refusal of XX/XX/year> XXXX I attempted to make my XX/XX/year> mortgage payment. Wells Fargo NOTES PROMPTED XXXX and XXXX to be rude, mean, and refused to accept it, claiming they needed to speak to my attorney. XXXX pretended to email them during court and did not confirm I can make my XXXX mortgage payment. Claiming they told me to contact her, not my attorney. More lies under oath. The bank calls are recorded. 
I have never had an attorney in this matter ; I am pro XXXX. 
By refusing my XXXX payment, Wells Fargo is deliberately manufacturing default to accelerate foreclosure. This is new behavior and I have my bank statements for all loan modification payments withdrew from my account they have on file ending in XXXX!!! 

XXXX. XXXX XXXX and XXXX XXXX Wells Fargo initiated foreclosure on XX/XX/year>, the same day my first trial modification payment was due. This is a prohibited practice known as dual tracking under CFPB regulations. 
Today, XXXX XXXX attorney appeared without required local Wisconsin sponsor counsel. Despite being admitted pro hac vice, she appeared and acted alone in violation of Wisconsin rules. 
That attorney also falsely testified that I was personally served with the foreclosure complaint. I was never served ; the docket shows service by publication, which was improper as Wells Fargo knew my address. 

XXXX. Harm to XXXX Wells Fargo is creating a false record of my payment history, which damages my credit and ability to keep my home. 
By refusing payments, they are forcing me into default. 
Their attorneys false statements and defamatory claims undermine my rights and reputation. 
The judge refused my request to order Wells Fargo to accept my XXXX payment, leaving me vulnerable to wrongful foreclosure and further financial harm. 



Requested Relief I am requesting that the CFPB investigate Wells Fargo and XXXX XXXX XXXX for : XXXX. Dual tracking violations under RESPA and CFPB servicing rules. 
XXXX. Refusal to accept mortgage payments, which forces homeowners into default. 
XXXX. Misrepresentation of payment history and modification acceptance date, amounting to fraud and defamation. 
XXXX. False testimony regarding service of process and misrepresentation of facts to the court. 
XXXX. Failure to comply with pro hac vice rules and unauthorized practice of law in Wisconsin. 

I request that Wells Fargo be ordered to : Correct my payment history to reflect XXXX 2025 payments. 
Accept and properly apply my XX/XX/year> payment. 
Cease all foreclosure activity while my modification is in effect. 
Stop misrepresenting facts in court and to credit bureaus. 
Provide me with a direct line of communication for making payments without interference. 



Complainant : XXXX XXXX Pro XXXX Homeowner XXXX N. XXXX XXXX XXXX XXXX, WI 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