notwithstanding that Wells had been evaluating my request for over two months. The XXXX XXXX servicing guidelines specifically provide that the servicer must use the current Fannie Mae Modification Interest Rate indicated below when evaluating a borrower for a conventional mortgage loan modification. See attached XXXX XXXX Modification Interest Rate Exhibit guideline. Wells should have applied the lower rate because the entirety of the evaluation was conducted during the lower interest rate period and only 1 day

What the CFPB Record Shows About notwithstanding that Wells had been evaluating my request for over two months. The XXXX XXXX servicing guidelines specifically provide that the servicer must use the current Fannie Mae Modification Interest Rate indicated below when evaluating a borrower for a conventional mortgage loan modification. See attached XXXX XXXX Modification Interest Rate Exhibit guideline. Wells should have applied the lower rate because the entirety of the evaluation was conducted during the lower interest rate period and only 1 day

notwithstanding that Wells had been evaluating my request for over two months. The XXXX XXXX servicing guidelines specifically provide that the servicer must use the current Fannie Mae Modification Interest Rate indicated below when evaluating a borrower for a conventional mortgage loan modification. See attached XXXX XXXX Modification Interest Rate Exhibit guideline. Wells should have applied the lower rate because the entirety of the evaluation was conducted during the lower interest rate period and only 1 day has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to With, and the most recent logged activity is With 9 day, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, notwithstanding that Wells had been evaluating my request for over two months. The XXXX XXXX servicing guidelines specifically provide that the servicer must use the current Fannie Mae Modification Interest Rate indicated below when evaluating a borrower for a conventional mortgage loan modification. See attached XXXX XXXX Modification Interest Rate Exhibit guideline. Wells should have applied the lower rate because the entirety of the evaluation was conducted during the lower interest rate period and only 1 day reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "after being told by XXXX XXXX that all steps necessary for approval of my trial period plan had been approved except escrow implementation and despite daily requests for status updates from my home preservation specialist", and the single most common underlying issue is "Wells waited until the morning of XX/XX/XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating notwithstanding that Wells had been evaluating my request for over two months. The XXXX XXXX servicing guidelines specifically provide that the servicer must use the current Fannie Mae Modification Interest Rate indicated below when evaluating a borrower for a conventional mortgage loan modification. See attached XXXX XXXX Modification Interest Rate Exhibit guideline. Wells should have applied the lower rate because the entirety of the evaluation was conducted during the lower interest rate period and only 1 day: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.