Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
FOLLOW-UP LETTER TO CFPB ADDITIONAL EVIDENCE, MEDIATION DETAILS & REQUEST FOR ENFORCEMENT Re : Additional Evidence for Complaint Against Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX Consumer : XXXX XXXX Original CFPB Complaint Date : XX/XX/XXXX Property Location : Wisconsin To Whom It May Concern : This letter provides additional evidence and updates to my complaint regarding Wells Fargos servicing errors, false modification claims, improper principal adjustments, and the wrongful collection of approximately {$52000.00}. 

Below is a summary of the discrepancies and new developments. 

XXXX. Conflicting Dates on the Alleged XXXX Modification Wells Fargo continues to insist I completed a modification in XXXX, yet the documents they provided contain contradictory dates : The representatives version shows XXXX, The copy they sent to me shows XXXX, which is impossible and inconsistent. 

This contradiction further proves the alleged XXXX modification is not legitimate, not signed by me, and not tied to any real transaction. 

XXXX. Modification Settlement Statement Shows the Balance Was Increased Before Forgiveness The settlement statement Wells Fargo provided shows : The principal balance was raised BEFORE the modification was processed, A discharge amount was then applied, Only afterward does the balance decrease. 

This is not consistent with lawful modification processing and supports my claim that the loan was internally rebooked and manipulated. 

XXXX. XXXX and XXXX Tax Statements Confirm True Loan Terms The XXXX and XXXX tax documents match the structure of the legitimate XXXX modification and contradict XXXX XXXX interest-only claim for XXXX. 

XXXX. Executed XXXX Modification Is the Only Valid Agreement I have the front page of the actual XXXX signed modification, confirming : The correct date, My signature, And terms consistent with my payment history. 

This is the only modification I ever executed. 

XXXX. XXXX XXXX Statement Shows Improper Balance When Wells Fargo transferred the loan to Rushmore, the XXXX XXXX statement clearly shows : A principal balance higher than it should have been, The same improper deferred principal Wells Fargo created. 

This confirms the incorrect accounting followed the loan through servicing transfers. 

XXXX. XXXX Payoff Confirms Wrongful Collection of ~ {$52000.00} Rushmore required me to pay : The entire {$52000.00} deferred principal, Including amounts that should have been forgiven, And amounts Wells Fargo previously reported as cancelled debt on a XXXX. 

This confirms I paid money Wells Fargo was never entitled to collect. 

XXXX. UPDATE : Mediation on Tuesday Demonstrated Wells Fargos Contradictions and Lack of Transparency I recently participated in mediation with Wells Fargo regarding calculation errors dating back to XXXX. 

During mediation : Wells Fargo claimed that {$500.00} would cover their calculation errors, Yet they could not provide any breakdown, Could not identify what the calculation errors actually were, Could not provide any documentation, And could not explain how they arrived at the {$500.00} figure. 

This contradicts their claim that the amount covers anything. 
They simply repeated the number without proof, explanation, or supporting evidence. 

Furthermore, during mediation, Wells Fargo was : Unwilling to explain their figures, Unwilling to provide basic transparency, Unwilling to help clarify the calculation errors they were supposedly resolving. 

This conduct raises serious concerns about the accuracy of their servicing records and the credibility of their explanations. 

If Wells Fargo can not explain a {$500.00} calculation error, it further undermines their ability to explain or justify the {$52000.00} they added to my loan without authorization. 

XXXX. Need for CFPB Enforcement, Audit, and Systemic Review I want to emphasize again that these issues are not isolated : New lawsuits continue to emerge involving nearly identical misconduct. 
The same patterns of false modifications, improper rebooking, inflated principal, and mishandled forgiveness are recurring. 
Previous regulatory actions clearly did not stop these practices. 

Consumers should not have to spend years trying to recover money that a servicer improperly added or collected. 

Wells Fargos ongoing pattern of misconduct even in XXXX strongly indicates the need for : A full audit of Wells Fargos mortgage servicing practices, A review of their modification records and accounting systems, And consideration of stronger enforcement to prevent further harm. 

Requested CFPB Actions ( Updated ) I respectfully request the CFPB : XXXX. Investigate the contradictory dates in the alleged XXXX modification. 
XXXX Review the settlement statement showing improper balance increases. 
XXXX. Confirm the legitimacy of the XXXX tax documents and the real XXXX modification. 
XXXX. Examine XXXX XXXX statement showing the inflated balance. 
XXXX Review the XXXX payoff confirming collection of improper deferred principal. 
XXXX. Evaluate the mediation conduct, including Wells Fargos refusal to explain or document calculation errors. 
XXXX. Require Wells Fargo to provide a complete loan history with accurate accounting. 
XXXX. Require reimbursement of the approximately {$52000.00} improperly collected. 
XXXX. Consider a broader investigation or audit due to repeated, systemic misconduct. 

Thank you for your continued attention and for reviewing this new evidence. I request a full investigation and appropriate corrective action. 

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