Wells Fargo Mortgage phone numbers
Ranked #1 of 75 by complaint volume · 49,705 complaints · 99.8% timely response
Every number above is copied from Wells Fargo's own site on the date shown. If one has changed, the number on your mortgage statement wins.
How Wells Fargo Compares
For Wells Fargo, "Loan modification,collection,foreclosure" accounts for 34.7% of CFPB mortgage complaints in this profile; volume fell 17% from 2024 to 2025, ranking it #1 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's top ten; this profile links 3 CFPB enforcement actions.
Compare the nearest profiles by complaint volume: Bank of America.
What Borrowers Complain About
Wells Fargo borrowers' most common complaint category is "Loan modification,collection,foreclosure" at 34.7% of all complaints, followed by "Loan servicing, payments, escrow account" at 16%. The three most cited specific problems are: "trying to communicate with the company to fix an issue while managing or servicing your loan" (1.2%), "trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure" (1.1%), "escrow, taxes, or insurance" (1%).
The third most common category is "Trouble during payment process" at 15.4%, representing 7,652 complaints.
Other frequently cited problems include "foreclosure" (0.9%) and "payment process" (0.7%).
Complaint volume varied (2022: 1,394, 2023: 3,456, 2024: 1,485, 2025: 1,237).
Most complaints involve Other mortgage (25.7%), followed by conventional mortgages (22.9%).
Wells Fargo's consumer dispute rate of 14% is well above the 8.3% industry average — more borrowers disagree with how their complaints were resolved.
Complaints are geographically concentrated: California (8,558), Florida (5,088), and New York (3,559) account for 35% of all complaints.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for Wells Fargo from 2012 to present.
Annual Complaints — Wells Fargo
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — Wells Fargo
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Loan modification,collection,foreclosure | 17,226 | 34.7% |
| Loan servicing, payments, escrow account | 7,959 | 16% |
| Trouble during payment process | 7,652 | 15.4% |
| Struggling to pay mortgage | 6,984 | 14.1% |
| Applying for a mortgage or refinancing an existing mortgage | 2,660 | 5.4% |
| Application, originator, mortgage broker | 2,540 | 5.1% |
| Closing on a mortgage | 1,357 | 2.7% |
| Settlement process and costs | 1,078 | 2.2% |
| Credit decision / Underwriting | 853 | 1.7% |
| Other | 719 | 1.4% |
How Wells Fargo Responds
Wells Fargo closes 88.1% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. The share of complaints closed with monetary relief was 3.1% to the borrower, which is notably above average. Borrowers disputed 14% of Wells Fargo's responses — above the 8.3% industry average, indicating more borrowers felt their complaints were inadequately addressed.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 43,795 | 88.1% |
| Closed with non-monetary relief Non-monetary relief | 2,460 | 4.9% |
| Closed without relief | 1,741 | 3.5% |
| Closed with monetary relief Monetary relief | 1,549 | 3.1% |
| Closed | 70 | 0.1% |
| Closed with relief | 51 | 0.1% |
| In progress | 35 | 0.1% |
| Untimely response | 4 | 0% |
Top States by Complaint Volume
View all 51 locations
| State | Complaints |
|---|---|
| CA | 8,558 |
| FL | 5,088 |
| NY | 3,559 |
| NJ | 2,969 |
| TX | 2,829 |
| GA | 2,373 |
| PA | 2,045 |
| MD | 2,022 |
| IL | 1,569 |
| VA | 1,562 |
| NC | 1,551 |
| WA | 1,088 |
| AZ | 989 |
| MA | 890 |
| OH | 877 |
| CO | 737 |
| MN | 722 |
| MI | 716 |
| SC | 627 |
| OR | 619 |
| CT | 617 |
| TN | 576 |
| NV | 554 |
| WI | 490 |
| MO | 488 |
| AL | 445 |
| LA | 413 |
| IN | 390 |
| DC | 283 |
| DE | 279 |
| UT | 257 |
| OK | 216 |
| KY | 215 |
| KS | 205 |
| NH | 194 |
| NM | 190 |
| IA | 189 |
| AR | 183 |
| NE | 176 |
| ID | 167 |
| MS | 157 |
| HI | 151 |
| ME | 133 |
| RI | 131 |
| WV | 123 |
| AK | 117 |
| MT | 99 |
| SD | 73 |
| WY | 47 |
| VT | 43 |
| ND | 38 |
Wells Fargo's complaints concentrate in California (8,558), Florida (5,088), and New York (3,559). These three states account for 35% of all complaints. If you're dealing with Wells Fargo, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: California, Florida and New York.
CFPB Enforcement Actions
Ordered to pay $3.7 billion for widespread mismanagement of auto loans, mortgages, and deposit accounts — including incorrectly denying mortgage loan modifications to qualified borrowers.
Penalized for improper auto loan insurance administration and unfair mortgage interest rate-lock extension charges affecting thousands of borrowers.
Penalized along with JPMorgan Chase for illegal mortgage kickback scheme with Genuine Title — providing cash and marketing materials in exchange for business referrals.
Legal History
Wells Fargo appears in 7 legal cases tracked by American Default, including federal enforcement actions, U.S. Department of Justice settlements, state attorney general actions, and class action lawsuits.
Federal Enforcement
Consumer Financial Protection Bureau v. Wells Fargo Bank, N.A.
Ordered to pay $3.7 billion for widespread mismanagement of auto loans, mortgages, and deposit accounts — including incorrectly denying mortgage loan modifications to qualified borrowers.
https://www.consumerfinance.gov/enforcement/actions/wells-fargo-bank-na-2022/
Consumer Financial Protection Bureau v. Wells Fargo Bank, N.A.
Penalized for improper auto loan insurance administration and unfair mortgage interest rate-lock extension charges affecting thousands of borrowers.
https://www.consumerfinance.gov/enforcement/actions/wells-fargo-bank-na-2018/
Consumer Financial Protection Bureau v. Wells Fargo Bank, N.A.
Penalized along with JPMorgan Chase for illegal mortgage kickback scheme with Genuine Title — providing cash and marketing materials in exchange for business referrals.
https://www.consumerfinance.gov/enforcement/actions/genuine-title-jp-morgan/
OCC Civil Money Penalty — Wells Fargo
OCC imposed civil money penalties on major national bank mortgage servicers coordinated with the National Mortgage Settlement. Wells Fargo's share was $83 million for unsafe and unsound foreclosure practices.
OCC NR 2012-20, Feb. 9, 2012
DOJ Settlement
United States v. Wells Fargo — Fake Accounts Scheme
Wells Fargo agreed to pay $3 billion to resolve criminal and civil investigations into widespread fake account fraud. Employees opened millions of unauthorized accounts, enrolled customers in products they didn't request, and forged customer signatures, spanning from 2002 to 2016.
U.S. Department of Justice Press Release, Feb. 21, 2020
United States v. Wells Fargo — FHA Lending Fraud
Largest settlement in FHA history. Wells Fargo admitted to certifying over 100,000 FHA mortgage loans as eligible for insurance when they were not, and failing to self-report more than 6,000 loans affected by fraud despite internal knowledge of deficiencies from 2001-2008.
United States v. Wells Fargo Bank, N.A., No. 12-cv-7527 (S.D.N.Y. 2016)
National Mortgage Settlement — Wells Fargo
49 state attorneys general and federal agencies reached $25 billion settlement with five largest mortgage servicers for robo-signing, improper foreclosure practices, and systematic servicing failures. Wells Fargo's share included $4.34 billion in consumer relief and $1.01 billion in direct payments.
United States v. Bank of America Corp., No. 1:12-cv-00361 (D.D.C. 2012)
Search Wells Fargo Complaints
Browse the 500 most recent complaints filed against Wells Fargo. Filter by issue type, state, date range, or keyword. Try filtering by "Loan modification" — it represents 34.7% of all complaints. Most complaints originate from California.
Know Your Rights with Wells Fargo
File a CFPB Complaint
If Wells Fargo is mishandling your mortgage, file a complaint with the CFPB. Wells Fargo currently responds to 99.8% of complaints on time, ranking #11 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review Wells Fargo's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in California (their highest complaint state), find local help.
Find Legal Aid
If Wells Fargo is violating federal servicing rules, a legal aid attorney may represent you for free. Wells Fargo has 3 CFPB enforcement actions on record — the linked orders describe those cases.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about Wells Fargo
How many complaints does Wells Fargo have?
Wells Fargo has 49,705 mortgage-related complaints in the CFPB database since 2012, ranking #1 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 99.8%, which is above the 98.8% average across the 75 largest servicers. Complaint volume fell 17% between 2024 and 2025. Their 14% consumer dispute rate is above the 8.3% industry average, suggesting more borrowers disagree with Wells Fargo's complaint responses.
What is the most common complaint about Wells Fargo?
The most common complaint category is "Loan modification,collection,foreclosure" at 34.7% of all complaints — loan modification, loss mitigation, and foreclosure disputes. Borrowers report delayed modification decisions, lost paperwork requiring repeated submissions, and dual tracking — where the servicer pursues foreclosure while a modification application is pending. The most frequently cited specific problem is "trying to communicate with the company to fix an issue while managing or servicing your loan" (1.2% of complaints). The second most common category is "Loan servicing, payments, escrow account" at 16%.
Has Wells Fargo faced any CFPB enforcement actions?
Yes, Wells Fargo has faced 3 CFPB enforcement actions, with $2.72 billion in recorded penalties. In 2022: ordered to pay $3.7 billion for widespread mismanagement of auto loans, mortgages, and deposit accounts — including incorrectly denying mortgage loan modifications to qualified borrowers. In 2018: Penalized for improper auto loan insurance administration and unfair mortgage interest rate-lock extension charges affecting thousands of borrowers. You can review the full consent orders on the CFPB enforcement page.
How do I file a complaint against Wells Fargo?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name Wells Fargo as the company. Select "Other mortgage" as the sub-product — 25.7% of complaints against Wells Fargo fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to Wells Fargo, where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for Wells Fargo?
The 99.8% timely response rate means Wells Fargo responded to that share of complaints within the CFPB's applicable response window, ranking #11 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 3.1% and 4.9% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 88.1% — means the servicer responded but did not necessarily resolve the borrower's issue.