Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I found out XXXX days before my house was to be sold at the courthouse by a well-known realtor about the situation. I did get a letter from an attorney but did explain this was Wells Fargo line of credit. I had called chase my main mortgage company, XXXX times they said they did not know anything about the foreclosure, if it was Wells Fargo, they were to notify XXXX, but they did not. 
I started off talking about foreclosure, then went to reinstate, then preservation and modification. I never got the same answer from anyone I talked to, even on the same day. 

I was finally given a modification letter on XX/XX/XXXX, but that did not mean that was my payments. 
On XX/XX/XXXX Wells Fargo told me to pay XXXX and it would take me out of foreclosure, well just like the whole situation that was a lie, but XXXX said customer service made a mistake, but nothing could be done about it calls were recorded for training, and Wells Fargo would address it with the rep on the phone. On XX/XX/XXXX I was told I had to come up withXXXX but again that was wrong. The first time I was told I had to have a friend or family member give me their statement from a XXXX plan to get it out of foreclosure that was wrong. As of XX/XX/XXXX, I still have not got the final paperwork that shows my house is out of foreclosure, they are behind they are working on or another 10 days. Wells Fargo has a reputation for unethical practices, and I have fallen victim to their shenanigans. I counted XXXX different phone numbers I have for this department, and you can call all XXXX in XXXX day and get a different answer. 
Last week Customer service called from Wells Fargo, employee told me it sounded like some fraud was going on. XXXX make any more payments until I receive some official paperwork. There must be someone somewhere that can help me. 
The last correspondence I got from Wells Fargo was a letter with a XXXX check asking me to write and tell them how covid affected me in paying back this loas. XXXX in the Executive office said I did not I want someone to pay for all that I have been through. No XXXX single women should be left homeless. When you have so many departments to talk to and none of them communicate with each other it leads to a breakdown in communication. I found out 2 days before my house was to be sold and did everything I was asked of and it took XXXX hours before house was to be sold before I found out it was not. Then Wells Fargo put it back in foreclosure the next months because I had to talk to : Foreclosure House preservation Modification Reinstatement Forebearance Customer Service in Executive office I had nothing to do with the country shutting down for 2 years doing Covid. 
With loss of job For what all I have been through I want Wells Fargo to write off I do not want to deal with them any longer. Interest rates are at an all-time high, can not be refined, so what else is it to do? This has been. 




I found out XXXX days before my house was to be sold at the courthouse by a well-known realtor about the situation. I did get a letter from an attorney but did explain this was Wells Fargo line of credit. I had called chase my main mortgage company, XXXX times they said they did not know anything about the foreclosure, if it was Wells Fargo, they were to notify XXXX, but they did not. 
I started off talking about foreclosure, then went to reinstate, then preservation and modification. I never got the same answer from anyone I talked to, even on the same day. 

I was finally given a modification letter on XX/XX/XXXX, but that did not mean that was my payments. 
On XX/XX/XXXX Wells Fargo told me to pay XXXX and it would take me out of foreclosure, well just like the whole situation that was a lie but XXXX said customer service made a mistake but that was of on well Fargo side.. On XX/XX/XXXX I was told I had to come up XXXX but again that was wrong. The first time I was told I had to have a friend or family member give me their statement from a XXXX plan to get it out of foreclosure that was wrong. As of XX/XX/XXXX, I still have not got the final paperwork that shows my house is out of foreclosure, they are behind they are working on or another 10 days. Wells Fargo has a reputation for unethical practices, and I have fallen victim to their shenanigans. I counted XXXX different phone numbers I have for this department, and you can call all XXXX in XXXX day and get a different answer. 
Last week Customer service called from Wells Fargo, employee told me it sounded like fraud was going on. make any more payments until I receive some official paperwork. There must be someone somewhere that can help me. 
The last correspondence I got from Wells Fargo was a letter with a XXXX check asking me to write and tell them how covid affected me in paying back this loas.. XXXX in the XXXX office said I did not get a check. 

On XX/XX/XXXX XXXX XXXX called me to quote We are through with the modification, but you are behind on a payment.. Quote I called you XXXX weeks ago and asked where my payments were going and ask you where my payments were being posted. I also called XXXX in the executive office, and she did not return my call.. XXXX XXXX wonted to tell me Well I call you many times and youre not answer, so that is the reason you did not call me back. Everything I asked XXXX XXXX about he had an excuse, and it came back to me being in the wrong. All the time as I have talked to Wells Fargo should someone not have told me some of these things. On XX/XX/XXXX, I talked to XXXX she demanded I pay XXXX or the modification would be cancelled. The modification should have been complete when I made my three trail payments. Now XXXX is saying that is not true even though XXXX in the XXXX office said she sent the modification papers to me already. XXXX told me on XX/XX/XXXX, that I had to pay XXXX but he did not know why. He will let me know in 10 days. XXXX also told me if I wanted a statement, I need to order it myself, he did not furnish that to me. Bottom line I still do not have this issue resolved after 10 months. 

Phone calls XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX Foreclosure XXXX XXXX XXXX XX/XX/XXXX, XXXX also XXXX XX/XX/XXXX left XXXX XXXX message did not return call. 
XX/XX/XXXX left XXXX XXXX message did not return call. 
XX/XX/XXXX XXXX asked for medication letter you will get in 10 days we are behind. 


I have many more calls that were recorded but Wells Fargo will not send them to me. 

As of today XX/XX/XXXX. I still do not have modification papers, or the message and how many times I have called to get this Correct. On XX/XX/XXXX, Wells Fargo cancelled the modification and did not inform me until XXXX. I have made payments, but I have modification would be ready in XXXX, XXXX, XXXX, they were behind. As of XXXX I still do not have modification papers, but they have cancelled the modification. 
Wells Fargo has an F rating and is number XXXX in the XXXX worse banks. They have billions of dollars in fines, I want them to take some of those billions and pay off this loan so I will never have to deal with them again.

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