Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, I fell behind on mortgage payments due to my ex husband suddenly getting me to pay him child support payments for our daughter he had alienated from me. I was forced to choose between paying him or paying for the roof over my head. I made what payments I could to Wells Fargo and tried for over a year to negotiate a loan modification. I even got a roommate to help me with paying bills. At the same time, I was dealing with the after-effects of my house being damaged by XXXX XXXX XXXX I won a renovation XXXX but the government XXXX illegally kept the last 10 % ( due me and the carpenter ) for themselves. Thus I sought some flexibility from Wells Fargo as I navigated these various factors and searched for a job. Also, at this same time, I had been laid off by my employer of 3 years and was actively looking for a new position. 

I sought help through the XXXX XXXX XXXX XXXX XXXX XXXX to facilitate the loan modification. I worked odd cash jobs to make what payments I could. Wells Fargo sent me excessive amounts of paperwork to complete. Which I did. Weeks later, I would hear from the Wells Fargo XXXX  XXXX that I needed to submit the same paperwork again. It seems that they kept losing ( or willfully not locating ) my completed papers. I used electronic document sending services, mailed paper copies and even faxed my papers over and over again, month after month. To no avail. 

In mid XXXX, I appointed my best friend as my XXXX XXXX XXXX to continue to pursue the loan modification while I sought work and temporary, affordable housing abroad. As a dual Irish citizen, I was able to find some work in XXXX, while letting my roomate continue to live in my house. What funds I could gather were spent alternating between overdue bills, child support and partial mortgage payments. 

It was my understanding that while my house was being reconstruction under a XXXX government XXXX there was a moratorium in place to not foreclose on properties like mine. In fact, foreclosure was never mentioned at all. And yet, I am no longer in possession of the house I bought and lived in for 13 years. I purchased my house in XXXX for XXXX dollars. Over the course of my mortgage with Wells Fargo, I paid XXXX dollars, obviously including some interest money. Essentially, what was owed to Wells Fargo was interest. Yet, somehow my XXXX of Attorney told me that she also faxed and re-faxed the same documents to the loan modification XXXX, but to no avail. My Power of Attorney shocked me XXXX day by telling me that my house was scheduled for a XXXX 's Sale in a few days. 

So I went from a loan modification process with a potential for a short sale to finding out that my house sold for XXXX dollars at a XXXX 's sale in XXXX XXXX. The only person in attendance at that sale was Wells Fargo. And I never even saw the XXXX dollars. Later, I found out that the house I bought for XXXX dollars and refurbished with a {$120000.00} XXXX ( {$12000.00} unpaid to me ) sold for around {$160000.00}. That sale was obviously through Wells Fargo. 

In short, Wells Fargo executed a wrongful foreclosure of my house that was supposed to be protected by a moratorium and in a legitimate loan modification process. They did this through repeatedly losing my loan modification application and illegally selling my house in a sheriff 's sale. 

I would like justice and compensation through the XXXX XXXX XXXX and any other Funds available to me for the loss of my home of 13 years and all of the time and mental stress I, my roomate and my best friend endured seeking a proper, legal, loan modification to pay the remaining interest on my house. Since XXXX, I moved into a trailer and that should not be when I owned my own home.

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