Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'The alleged mortgage debt continues to be disputed, and this complaint is submitted to report material mortgage servicing errors, inaccurate representations of the amount allegedly owed, and foreclosure activity proceeding while the debt remains fully disputed and unresolved.\n\nA foreclosure notice was signed on XXXX XXXX XXXX and recorded on XXXX XXXX XXXX, alleging an amount due of XXXX. The validity and accuracy of this amount are disputed, and the validity, accuracy, and enforceability of the entire alleged mortgage debt are disputed.\n\nThe servicers own monthly mortgage statements reflect conflicting balances during the same period:\n\n Mortgage Statement dated XXXX XXXX XXXX XXXX Mortgage Statement dated XXXX XXXX XXXX XXXX Mortgage Statement dated XXXX XXXX XXXX XXXX Mortgage Statement dated XXXX XXXX XXXX XXXX Mortgage Statement dated XXXX XXXX XXXX XXXXnNotably, the XXXX XXXX XXXX  mortgage statement reflects a lower balance than the amount used in the foreclosure notice recorded days earlier, and the XXXX statement reflects a sudden and unexplained increase. These inconsistencies demonstrate that the servicer cannot consistently or reliably state the amount allegedly owed, further supporting that the alleged mortgage debt continues to be disputed and unresolved.\n\nBecause the alleged balance has been internally inconsistent and unresolved, it has not been possible to meaningfully verify, validate, dispute, or cure the alleged debt prior to foreclosure activity.\n\nAdditionally, a letter was received from the Wells Fargo Executive Office dated XXXX XXXX XXXX stating that additional time is required until JXXXX XXXX XXXX to respond. That response deadline falls six (XXXX) days after the currently scheduled foreclosure sale date of XXXX XXXX XXXX which, to my knowledge, still remains active, as no correspondence has been received indicating that the foreclosure has been paused, postponed, or canceled.\n\nThis foreclosure activity continues despite a Cease and Desist Notice and Notice of Liability dated XXXX XXXX XXXX (USPS Certified Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and despite prior CFPB Complaints Nos. 2XXXX and XXXX, filed on XXXX XXXX XXXX and XXXX XXXX XXXX, respectively.\n\nThis complaint is submitted to document that foreclosure was initiated and continues to proceed while the entire alleged mortgage debt remains disputed, internally inconsistent, and unresolved, and while the servicer has acknowledged the need for additional time to respond.\n\nI respectfully request that the CFPB review this matter for mortgage servicing errors, inaccurate and misleading representations of the alleged debt, failure to provide a reliable and complete accounting, and foreclosure activity occurring while the entire alleged mortgage debt continues to be disputed.\n\n- CFPB Complaints No: 2XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number XXXX\n- DFPI Complaint ID: XXXX\n- Wells Fargo Complaint No: 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