Consumer complaint received 2023-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
It has been four years noe that I have been trying to keep my homr out of foreclosure. I have filed numerous complaints about the servicing of my mortgage by Wells Fargo and XXXX. These complaints have all followed the same course. They get forwarded to the company, the company responds denying they did anything wronh. Case closed. During this period of time I have had to educate myself about the laws and regulations for the mortgage industry. I have without a doubt had every law and regulation that exist violated once or more. I understand that the XXXX gathers informwtion and uses it to try and enforce adherence to these laws. The problem is that it isnt working and the way it is trying to be enforced does nothing to protect the individual that is experiencing the issue. Imposing fines on these corporations after the fact doesnt stop it from continuing. For the consumer there is no agency to assist with the issue as it is taking place. If by chance the consumer is aware that these laws are being broken then if they have the funds they can hire legal help. This in itself makes the consumer hopefully finding an attotney that knows yhe laws and then rely on the issue be brought inbfront of a court ( judge } that knows these lsws as well. As I have experienced first hand that probably isnt going o happen. As stated by the XXXX there seems to be a lack of understanding by the courts on the meaning of these laws. This has allowed mortgage companies a open opportunity to wrongfully foreclose on homes. I face a sell date on my home whichnis a VA backed mortgage that had the initial foreclosing started in XXXX of XXXX as I was awaiting the documents needed to start the reconsideration of my modification request because I didvnot agree with the denial I received. At thebtime of my request for reconsideration my mortgage had just been brought under 90 days lat. When I finally received the modification packet in XXXX, Wells Fargo had already started the initial foreclosing on XXXX XX/XX/XXXX. XXXX as how my request had not been denied, this is in violation of the Dual Tracking Law. After a period of two years and many other violations the servicing of my loan was transferred to XXXX XXXX in XX/XX/XXXX restarted the foreclosure while I was in a documented forbearance. At that time I had to file emergency bankruotcy o stop the sell dateof XXXX XXXX as my wife was on XXXX XXXX st home. Once this happened my mortgage was placed back in forbearance. Now, my home is facing a sell date of XXXX XX/XX/XXXX on a VA backed loan that never was presented to the VAbto seek a modification that is available. How is it that every hearing for my home was done in violation of a federal law and is proceding in violation of more federal laws. So now the mortgage company is using the law to enforce its illegal activity. This has been rough4 to the attention of the VA but at this point I am but weeks away fom a sell date. Making the mortgage company pay a fine for doing this after the fact is not an acceptable answer.

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