Consumer complaint received 2024-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
**Details of Complaint : ** 1. **Background and Loan Servicing Issues : ** - I obtained a mortgage through XXXX XXXX  Group on XX/XX/XXXX. My loan was immediately transferred to XXXX  XXXX until the federal government seized control of them for " Irresponsible lending and predatory lending.They serviced my loan from XXXX through XXXX. XXXX XXXX XXXX then obtained it before selling it to Wells Fargo Bank , N.A . One day prior to filing a Notice to Foreclose ( XXXX ) Wells Fargo filed an Assignment of Mortgage on XX/XX/XXXX, claiming it was executed on that date but made retroactively effective as of XX/XX/XXXX. This backdating raises great concern about the authenticity and accuracy of the assignment. This is one example of many more to come regarding Wells Fargo 's integrity. Wells Fargos lack of cooperation and transparency exacerbates my concerns.

2. **Chain of Title Issues/Fraudulent Activity. ** -The chain of title has been found to be incomplete and questionable, given that MERS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX serviced my loan prior to Wells Fargo . However, no records exist. No evidence supports XXXX XXXX  involvement with my loan beyond the origination. Yet, MERS and Wells Fargo included XXXX in assignments, raising concerns about document accuracy and potential fraud. 
3. **RESPA Violations. ** -Twice Wells Fargo failed to acknowledge or respond to these requests, violating RESPA requirements. 

On XXXX I received a call from XXXX, a mediator representing Wells Fargos executive office. She claimed her goal was to resolve the matter during the call but refused to provide specifics regarding the calculation error on my loan. 

XXXX offered {$1000.00} for my time and trouble, which I declined. She stated she could escalate my complaint and arrange for third-party mediation within 10 days, during which additional documents might be provided. When I inquired why I was not permitted access to all documents related to my loan, she reiterated she could only discuss the issue of the {$1500.00} check I received. 
On XX/XX/XXXX I contacted MERS, spoke with XXXX. She was unable to locate any information using the MINS #. She told me " The MIN was never registered on the system. She asked me to fax right away a copy of the deed, mortgage and the note so she could escalate this and assist in reaching out to the servicer. When asked the turn around time, she said it depends on " how much investigating they need to do on their end. '' This is similiar to how the calls went when I contacted XXXX XXXX, FHA, HUD, MERS, ( unable to contact XXXX  XXXX ) however I have my year end tax statements from them all the way through year end XXXX ). This is proof that the Assignment of Real Estate Mortgage, with what appears to be only for the purpose of trying to prove they held and were in possession of the note. Not even including the backdating for the assignment : " Signed and delivered this 19 day of XX/XX/XXXX, but made effective as of XX/XX/XXXX Mortgage Electronic Registration Systems , Inc., as nominee for XXXX XXXX  XXXX and its successors and assigns By : XXXX XXXX XXXX, XXXX. 
Vice President On XX/XX/XXXX, a Notice of Pending Suit was filed by XXXX XXXX XXXX XXXX XXXX, representing Wells Fargo. Simultaneously, XXXX, XXXX, XXXX XXXX XXXX, XXXX. executed the Assignment of Mortgage on XX/XX/XXXX, creating a conflict of interest. 

I was not late on my mortgage from the very beginning of changing to Wells Fargo. However, the first of 4 Notice of Pending Suit was filed XX/XX/XXXX. The next being XX/XX/XXXX, with the XXXX case filed XX/XX/XXXX was still open. On XX/XX/XXXX there was a transfer order to refile the XXXX foreclosure case. On XX/XX/XXXX another Corporate Assignment of Mortgage was filed from MERS, XXXX Mortgage to Wells Fargo. XX/XX/XXXX a Petition for Foreclosure was filed. On XX/XX/XXXX Notice of Pending Suit filed. XX/XX/XXXX Notice of Foreclosure was filed. XX/XX/XXXX Wells Fargo Foreclosure with a judgement of {$130000.00}. XX/XX/XXXX Wells Fargo was the " highest and best '' bidder of {$110000.00}. On XX/XX/XXXX There was a deed filed from the Sheriff 's sale to Wells Fargo. XX/XX/XXXX Deed filed from sale of home from Wells Fargo to a local real estate investor for {$98000.00}. 
This is a short overview of the time period that many, multiple errors, some purposely, were made during the time Wells Fargo serviced my loan. When they took over servicing my loan, was the first day leading to the last day in my home of 13 years.

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