Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To : WELLS FARGO HOME MORTGAGE designated Notice of Error / Request for Information address, if provided Subject : Notice of Error and Request for Information Regarding Mortgage Servicing Transfer, Payment Crediting, and Account Protection To Whom It May Concern : This letter serves as a formal Notice of Error under 12 C.F.R. 1024.35 and a Request for Information under 12 C.F.R. 1024.36 regarding the servicing of our mortgage loan. We are long-term, current borrowers who have maintained more than XXXX years of timely payments in good standing. We dispute any servicing transfer, account handling, or payment instruction that was not properly disclosed, fully documented, or lawfully implemented. We did not receive clear, timely, and compliant notice explaining the basis, effective date, and payment instructions for any transfer of our mortgage servicing rights, nor were we provided adequate confirmation of the lawful entity authorized to receive payments. CFPB rules require a notice of transfer from both the transferor and transferee servicer in most cases, with the transferor notice generally sent at least 15 days before the effective date and the transferee notice generally sent no more than 15 days after the effective date. The notice must include the effective date, contact information, and the dates when each servicer will stop and start accepting payments. The errors we assert include, without limitation : 1. Failure to provide clear, compliant notice of the servicing transfer. 2. Failure to identify the exact entity lawfully authorized to receive our payments. 3. Risk of payment misapplication, escrow error, incorrect default treatment, or wrongful foreclosure action. 4. Any failure to preserve our full payment history, escrow history, and account status accurately. 5. Any attempt to impose late fees, negative credit reporting, or adverse action while this dispute is unresolved. We request the following information and documents : 1. The full legal authority for any transfer, assignment, sale, or servicing change affecting this loan. 2. The complete servicing transfer file, including the effective date and all transfer notices sent to us. 3. The name, address, and telephone number of the entity currently authorized to receive payments. 4. A complete payment history showing how every payment has been applied. 5. A complete escrow history, including all adjustments, disbursements, and balances. 6. Copies of any documents relied upon to determine that no error occurred. 7. Written confirmation that our loan terms have not changed. 8. Written confirmation that no late fees, default notices, adverse credit reporting, foreclosure referral, or foreclosure activity will occur while this notice is under review. Please treat this letter as a formal dispute of error and request for information. CFPB rules require a written acknowledgment within 5 business days and a response within 30 business days for these requests, subject to applicable regulatory exceptions. A service provider may not require payment of an alleged balance as a condition of responding to a Notice of Error. We continue to be willing to perform our mortgage obligations, but we will do so only through a lawful, properly noticed, and accurately administered servicing arrangement. We reserve all rights and remedies under applicable federal and state law, including RESPA, TILA, and all consumer-protection provisions applicable to mortgage servicing. Please direct all future responses in writing to the address above. Sincerely, Homeowners

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