Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Formal Complaint and Demand Regarding Pending Foreclosure Sale and XXXX XXXX XXXX Dear Wells Fargo Loss Mitigation Department, We are writing to formally document serious concerns regarding your handling of our loss mitigation application and the foreclosure proceedings on the above-referenced property. 
XXXX. Background & Timeline On XX/XX/XXXX, we submitted a complete Mortgage Assistance Application to Wells FargoXXXX XXXX XXXX including all required financials, hardship explanation, and signed acknowledgements. ( Copy attached as Exhibit A ). 
Despite providing a complete package, we never received any written acknowledgement, decision, or denial letter from Wells Fargo, as required by 12 C.F.R. 1024.41 ( c ). 
On XX/XX/XXXX, Wells Fargo representatives informed us that all loan modification documents had been sent to our attorney on file. This is factually incorrect : We are self-represented defendants in the foreclosure action and have been for an extended period. 
Our prior attorney formally withdrew, and under Illinois Supreme Court XXXX XXXX, all documents must be served directly on us. 
We never received any notices, decision letters, or correspondence from Wells Fargo. 
XXXX. Violation of Federal and State Law By scheduling a foreclosure sale while a complete loss mitigation application remains pending and while failing to provide us with any written decision, Wells Fargo is in violation of : 12 C.F.R. 1024.41 ( g ) ( Regulation X ) prohibition on dual tracking ; 12 C.F.R. 1024.41 ( c ) & ( d ) obligation to provide written notice of decision and appeal rights ; Illinois Supreme Court XXXX XXXX obligation to serve self-represented parties directly ; XXXX XXXX XXXXXXXX requirement that foreclosure sales be conducted in good faith and consistent with due process. 
These violations deprive us of due process, block us from exercising our rights to appeal or review, and demonstrate bad faith in the servicing and foreclosure process. 
XXXX. Current Status A judicial sale is currently scheduled for XX/XX/XXXX. 
We have filed an Emergency Motion to Stay Judicial Sale with the XXXX XXXX XXXX XXXX, and will provide the court with documentation of Wells Fargos noncompliance and refusal to communicate directly with us. 
We have made multiple written requests ( XXXX emails to date ) to Wells Fargos foreclosure counsel ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), none of which have been answered. We also attempted to call, but were told XXXX XXXXXXXX was in court and that we are not XXXX XXXX. Despite this, no effort has been made to respond to us directly. 
XXXX. Demand for Immediate Action We demand that Wells Fargo immediately : Cancel or postpone the XX/XX/XXXX judicial sale until our XX/XX/XXXX loss mitigation application is fully reviewed and a compliant written decision is issued. 
Acknowledge in writing that we are self-represented borrowers and that all future correspondence, decisions, and notices will be sent directly to us. 
Provide copies of the following by return mail or email : All loss mitigation decision letters, denial notices, or appeal rights that Wells Fargo claims were issued ; All servicing notes reflecting receipt, review, and handling of our XX/XX/XXXX application ; All notices of sale and proof of service since our former counsel withdrew. 
Issue a written decision on our XX/XX/XXXX Mortgage Assistance XXXX, in compliance with 12 C.F.R. 1024.41 ( c ), with all required information about approval, denial, or appeal rights. 
XXXX. Notice of Escalation If Wells Fargo fails to take corrective action, we will : Pursue relief in the pending Emergency Motion to Stay Judicial Sale in XXXX XXXX XXXX XXXX ; File a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Illinois Attorney Generals Consumer Protection Division, and any other regulatory authority with jurisdiction over mortgage servicing ; Seek all available remedies, including sanctions, attorneys fees, costs, and any further relief as deemed appropriate by the court. 
Conclusion Wells Fargos refusal to properly acknowledge our complete loss mitigation application, failure to serve us directly, and decision to schedule a foreclosure sale under these circumstances violates federal servicing regulations, Illinois foreclosure law, and our due process rights. 
We respectfully demand immediate corrective action and written confirmation that no foreclosure sale will proceed until compliance with the above requirements is achieved. 
Sincerely, XXXX XXXX ( self-represented ) 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