Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I first bought got his mortgage in   XXXX   when I was living in  XXXX   XXXX  due to military orders.   Never did I miss a payment to  Wells Fargo in ten years.    When I Moved to  XXXX , again on military orders, I contacted  Wells Fargo to  advice them of my move, and requested to do a Loan modification. I started the paperwork in  XXXX  and no results, again in   XXXX   I requested to do a refinance and not results, and  one  last time when I came back to the  US  in   XXXX   but W ell Fargo said I  did not qualified for the help.   In   XXXX   XXXX   we had a family emergency that force me to go into financial hardship, I contacted  Wells Fargo  but the offered no help.   On   XXXX   XXXX   I lost the Tenant that was paying rent on the property in question. This event pushed me further into financial hardship. There I decided to sell.   I called  Wells Fargo a nd informed them of my hardship again, and in   XXXX   XXXX   I could not afford to pay the mortgage, so I started to miss payments I placed the house for sale since   XXXX   XXXX   and hired a Realtor and Shortsale  specialist to   help me with this given I liv e 3 hours aw ay from the home.   Since the house is being in the market we have had  36 Showing out of those 36 we have had 3 offers.     Wells Fargo  has not assisted with the sale of th e Property and instead are forcing me to Foreclose on the property.    As explained by the Real state agent and short sale agent,  Well fargo de lays all offers up to  3  weeks before they give a response for the offers, once they communicate the NO, the communication with the processors stops.   And during all this the potential buyers walk away or they just decide they dont want to deal with  Wells Fargo  due to the recent investigations against this Bank.    Wells Fargo is n ot following thru the process of negotiating with the buyer and their line of communication is broken in every department they have.   For instance, when I call to speak to my assigned agent about my account the person is never available and I end up spending an Hour explaining to other agents why  Wells Fargo has m y account in active foreclosure with no sale date, and finally to have that agent tell me there is nothing they can do for me I need to talk to my assigned agent This happens every time I call. This is the same treatment they give the agents that are assisting me.   I am being bullied into doing   what Wells Fargo has destined for my account, I feel I have no say on this account.
Wells Fargo Has gone to the extent of replacing my mailing address with the address of their lawyers, problem that has happen twice since I been in this Hardship.
I have asked Well Fargo who, Why and when was this authorized, but they can give me no response, all they can say that it was probably me who done it, but they are not able to provide any documentations when I supposedly did this.
I feel outraged, because its again Big Ba  nk little customer situation where I know I can not afford a lawyer so I will not be properly defended when I show up to court again   XXXX   XXXX   XXXX  , because yes I have another court date about the foreclosure sale date.   Please Assist  a Veteran.

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