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

Complaint:
I was informed by WELLS FARGO on more than not less than 3 occasions that I did not qualify for any of the existing hardship programs. I would qualify HOWEVER if I were 3 months behind! Eagerly seeking relief i did just that. Now I was enrolled in a loan modification program. I was very worried about foreclosure and was reassured numerous times that my house would not go into foreclosure as long as I was enrolled in the program. I was then advised by Wells fargo to send in a partial payment to show I couldn't afford the entire loan. I sent in XXXX instead of the XXXX that month. The bank cashed the check, didn't apply it to the loan and started foreclosure proceedings counting that as the XXXX month needed in the state of GA! There is no way that I would have ever done any of this without Wells Fargo leading me down this path! Does it even make sense to let a home go into foreclosure for {$150.00} or even the 3 months that added up to less than XXXX? 
I was told that I was assigned someone for this program. I tried to call XXXX XXXX over 20 times easily. I called into loss mitigation to have him contact me as well. I was sent out a letter that I did not qualify for any programs whatsoever based off his report that I only grossed XXXX per month. There is not one month I didn't make at least XXXX and some months I made XXXX! In the 9 months of creating monthly reports I was finally assigned somebody that WOULD NOT CONTACT ME and was detrimental to my cause. Meanwhile Wells Fargo is adding up late fees and drive-by surcharges to see if anyone was living at the property. I called every week and was on record stating my intent to keep the property, why the extra fees? Now Im being told that for a re-instatement I owe XXXX. No problem where do I send the money. Wait a minute! Too late! The bank went ahead and started foreclosure without contacting me! 
Now there are lawyer filing fees in the tune of XXXX, XXXX for appraisal, and XXXX XXXX XXXX by inspections. Why is Wells Fargo hiring people to inspect my home and have me pay for it? I never heard of appraisals that high to begin with, not to mention the lack of any work being done to justify that amount. Im seeking re-instatement and have the money that is owed. I understand now Im being reviewed again since finding out XXXX XXXX botched up his numbers so badly. Even if I did qualify for something at this point how would it ever compensate or make up for all the attorney fees, late fees , drive by fees, and inspection fees? Listening to Wells Fargo associates advice placed me in this position. I do not plan on giving up my home no matter what!!! Right now I may be forced to file bankruptcy. I would prefer to have my loan reinstated for what I owe from my mortgage. I feel this whole process has been misleading and corrupt. Yes this loan was refinanced recently. My prior loan was with Wells Fargo for the last 8 years. Never late once! My home is now placed on an auction block as of the XXXX of XX/XX/2010! Please work with me and not against me. What can be done?

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