Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgages continues to harass us at our residence with calls and mail even after being requested and ordered to cease and desist in compliance with TILA and Laws 1002.16 Enforcement, penalties and liabilities.

This version is the current regulation View all versions of this regulation Search this regulation Regulation B ( a ) Administrative enforcement.

( 1 ) As set forth more fully in section 704 of the Act, administrative enforcement of the Act and this part regarding certain creditors is assigned to the Comptroller of the Currency, XXXX XXXX XXXX XXXX XXXX Federal Reserve System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX, Securities and Exchange Commission, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and Bureau of Consumer Financial Protection. 

( 2 ) Except to the extent that administrative enforcement is specifically assigned to some government agency other than the Bureau, and subject to subtitle B of the Consumer Financial Protection Act of XXXX, the Federal Trade Commission is authorized to enforce the requirements imposed under the Act and this part. 

( b ) Penalties and liabilities. 

( 1 ) Sections 702 ( g ) and 706 ( a ) and ( b ) of the Act provide that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditor 's net worth in class actions. Section 706 ( c ) provides for equitable and declaratory relief and section 706 ( d ) authorizes the awarding of costs and reasonable attorney 's fees to an aggrieved applicant in a successful action.

( 2 ) As provided in section 706 ( f ) of the Act, a civil action under the Act or this part may be brought in the appropriate United States district court without regard to the amount in controversy or in any other court of competent jurisdiction within five years after the date of the occurrence of the violation, or within one year after the commencement of an administrative enforcement proceeding or of a civil action brought by the Attorney General of the United States within five years after the alleged violation.

( 3 ) If an agency responsible for administrative enforcement is unable to obtain compliance with the Act or this part, it may refer the matter to the Attorney General of the United States. If the Bureau, the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, or the National Credit Union Administration has reason to believe that one or more creditors have engaged in a pattern or practice of discouraging or denying applications in violation of the Act or this part, the agency shall refer the matter to the Attorney General. If the agency has reason to believe that one or more creditors violated section 701 ( a ) of the Act, the agency may refer a matter to the Attorney General. 

( 4 ) On referral, or whenever the Attorney General has reason to believe that one or more creditors have engaged in a pattern or practice in violation of the Act or this part, the Attorney General may bring a civil action for such relief as may be appropriate, including actual and punitive damages and injunctive relief. 

( 5 ) If the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the XXXX XXXX XXXX XXXX XXXX Federal Reserve System, or the National Credit Union Administration has reason to believe ( as a result of a consumer complaint, a consumer compliance examination, or some other basis ) that a violation of the Act or this part has occurred which is also a violation of the Fair Housing Act, and the matter is not referred to the Attorney General, the agency shall : ( i ) Notify the Secretary of Housing and Urban Development ; and ( ii ) Inform the applicant that the Secretary of Housing and Urban Development has been notified and that remedies may be available under the Fair Housing Act.

( c ) Failure of compliance. A creditor 's failure to comply with 1002.6 ( b ) ( 6 ), 1002.9, 1002.10, 1002.12 or 1002.13 is not a violation if it results from an inadvertent error. On discovering an error under 1002.9 and 1002.10, the creditor shall correct it as soon as possible. If a creditor inadvertently obtains the monitoring information regarding the ethnicity, race, and XXXX of the applicant in a dwelling-related transaction not covered by 1002.13, the creditor may retain information and act on the application without violating the

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