Mortgage -- Struggling to pay mortgage -- Complaint #18209445
Complaint Overview
Complaint ID: 18209445
Company: Wells Fargo & Company
Product: Mortgage
Sub-Product: VA mortgage
Issue: Struggling to pay mortgage
Sub-Issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief
State: Oklahoma
ZIP Code: 748XX
Date Received: 2025-12-21T12:00:00-05:00
Date Sent to Company: 2025-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
" I am a 100 % XXXX XXXX Veteran in the state of Oklahoma. I am filing this complaint against Wells Fargo for systemic predatory servicing and illegal manufactured duress that occurred prior to my loan 's transfer to XXXX. 1. Illegal Escrow Inflation ( Tax Fraud ) Under Oklahoma Statutes XXXX, I am granted a 100 % Property Tax Exemption for my homestead. Wells Fargo was provided documentation of this, yet they ignored my legal status and continued to bill 'estimated ' taxes into my escrow account. This illegal billing created a manufactured 'shortage ' that did not exist. 2. Predatory Insurance Racket Wells Fargo charged over $ XXXX for homeowner 's insurance, which is significantly above the average market rate for XXXX XXXX XXXX I did not receive the required 45-day or 15-day RESPA notices before these inflated charges were force-placed on my account. This was a direct violation of federal servicing laws designed to protect veterans. 3. Unauthorized Interest Rate Adjustment ( TILA Violation ) I have recently discovered that my Fixed-Rate VA Loan was unilaterally adjusted by the servicer to an unauthorized rate ( approximately 14 % ). Per 12 CFR 1026.20, a servicer must provide a mandatory 210-day notice before a rate adjustment. No such notice was ever provided. This unauthorized conversion of a fixed-rate note is fraudulent. 4. Predatory Duress & Medical Damages Using the foreclosure threats generated by these manufactured errors, Wells Fargo pressured me into signing a notarized loan modification that added 5 years to my mortgage. This duress directly precipitated a severe medical crisis, exacerbating my service-connected XXXX and requiring immediate inpatient detox. These are documented 'Actual Damages ' under RESPA XXXX Requested Resolution : I am seeking a full investigation into these violations, which mirror the systemic failures cited in the XXXX CFPB Consent Order ( XXXX ) against Wells Fargo. I demand a full rollback of the unauthorized interest rate, a refund of all improperly billed taxes and insurance, and compensation for the medical expenses caused by this servicer-induced health crisis. ''
Frequently Asked Questions
What is Complaint #18209445 about?
Complaint #18209445 was filed against Wells Fargo & Company regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-12-21T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Wells Fargo & Company?
Yes, visit the Wells Fargo & Company company profile at readthecomplaint.com/company/wells-fargo-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.