Consumer complaint received 2024-01-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX  during economic down turn I applied for a hamp modification with Wells Fargo ( I was not aware that only government mortgages can get hamp i bad a conventional. Wells fargo did not share this information because it was set up that every application they received they get XXXX $ ) i was put in forbearance but continued to pay Because i didn't want to lose my house. I was told when I paid over the phone the money was put into a suspece account. They would not let me apply for the modification until I was working. XX/XX/XXXXXXXX  I started applying for the Hamp modification. I was told to fax the application. I was also told to call 2 weeks later to see if my application was received. Why 2 weeks to process an application? I would call and every time I would call i was told there was always a document missing ( remember they got XXXX $ for every application ) about XX/XX/XXXXXXXX  i received an email from XXXX XXXX my underwriter that someone got into my file and moved my file out of review but she will try and get it back in. I received another email that she was able to get out back in review and I was approved not for a hamp modification but a wells fargo in house modification that was more then my original mortgage. I accepted because I now had a job I am an XXXX. They added over XXXX to the original. Mortgage my payments made to the suspece account were no where and no one would help me. I received my documents mid XX/XX/XXXXXXXX  and we had the documents signed and notarized and sent documents to wells fargo. My modification was to start XX/XX/XXXX. I was told there would be no mortgage statement and that I would pay the mortgage over the phone. I paid 5 months over the phone. XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. About XX/XX/XXXXXXXX  the bp oil spill occurred. I was XXXX  XXXX XXXX XXXX florida at XXXX XXXX the time. 
Tourism basically shut down on the XXXX XXXXt of Florida and all XXXX states. The census at XXXX constantly went down weekly. I want full time. So when the census was low I was asked to stay home. 
Over the summer if XXXX  i lost 1/2 my salary. Thai modification with it being more then the original mortgage was getting very difficult to pay. So I called wells fargo about XX/XX/XXXX. Told them the issues I was told that inorder to apply for the hamp modification i had to be behind in payments. WHAT. I DON'T WANT TO BE BEHIND. I DON'T WANT TO LOSE MY HOUSE!!! They told me I had to be 90 days late in order to apply for the hamp modification ( find out later on the movie the big short the banks bought insurance policies called shorts. If they can get people to stop paying their mortgages thru can collect on these shorts. They also get paid the PMI insurance as well. The perfect crime ) after taking to every supervisor and crying i complied. They are my bank and hold my mortgage. So in XX/XX/XXXXXXXX   I applied. Sent my application XXXX XXXX  this time. Called wells fargo with a hope counselor set up by Obama. Wells fargo had all my documents in order for approval. 2 weeks later mid XX/XX/XXXXXXXX  I receive a phone call from my underwriter that someone got into hey computer on her day off and moved my file out of review ( sounds familiar ) but she was unable to get it back in. That i would have to reapply. So mid XX/XX/XXXXXXXX  I receive my new application. It was due XX/XX/XXXXXXXX  I send it XXXX XXXX XX/XX/XXXX. I waited 2 weeks XX/XX/XXXX to see if they received it. They tell me no. It was not received. I called XXXX to find out what's going on. O find the tracking # I find the supervisor of the delivery person XXXX XXXX. I said you need to help me please. Wells fargo states they didn't receive my package. 
So she said she would call. Well she calls me back and says no one answered she couldn't help me any more. I call wells fargo and explain this and then I am told they received some documentation but not all that I have to resubmit my application. I told them not until they find my XXXX sent personal information. I was waiting for a call back then mid XX/XX/XXXXXXXX  I received documentation from a foreclosure lawyer. 
So apparently I was dual tracked from XXXX  1st modification. Foreclosures were taking 2 to 3 years because of volume. 
XX/XX/XXXXXXXX  we were served. I already had a lawyer so by XX/XX/XXXXXXXX  we had signed the documents By XX/XX/XXXXXXXX  my case was dismissed because wells fargo did not produce any discovery. 
In XX/XX/XXXXXXXX  we were served again. 
Again no discovery produced. Wells fargo made me and my husband do a deposition and XX/XX/XXXXXXXX  XXXX  took over. Offered us a predatory modification after paying 3 trial payments. So they continued the foreclosure trial SET? FOR XX/XX/XXXXXXXX  but XXXX admitted to not having original documents and received a continuance from the judge. XX/XX/XXXXXXXX  XXXX  started calling me. New trial set for XX/XX/XXXX. I needed a new lawyer. That lawyer never sent a discovery letter and the night before trial XX/XX/XXXXXXXX  i had no choice to settle or pay the lawyer XXXX to go to trial in which there was no discovery. 
Closed on my house XX/XX/XXXX. Had to buy the only affordable home in the area which was a mobile home in bad condition We had to renovate. And weeks fargo continued to send me mortgage modification applications in which they eye going i would send. Since they got XXXX $ for everyone sent. But everytime i put in a complaint to the cfpb they send me a full package of all the modification applications they sent me. What I want is monetary compensation for what was done To me. I am a florida XXXX of 37 years the most ethical of all professionals. 
Wells fargo already sent me a letter admitted to wrong doing during my modification application proccess Thank you

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