Consumer complaint received 2019-12-04
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This summer, back in XX/XX/XXXX, XXXX XXXX at the Wells Fargo Home Preservation office, XXXX, started the modification process on my home. We had to get our paperwork notarized and sent in. She sent me an email titled " agreement '' in XXXX ( I deleted my email after they withdrew my first modified payment of {$790.00} on XX/XX/XXXX. ) The email said they had gotten the paperwork and the auto payments would start in XXXX, which they did. In XXXX I made a check payment at the branch that they didn't attempt to cash, and haven't sent back so far, but on XX/XX/XXXX they put my home in a trustee sale and sold it to XXXX at XXXX XXXX XXXX XXXX XXXX. I am guessing they sold it for approximately {$100000.00} because that's what we owed on it. I know there were probably some closing costs, taxes, etc. on top of that. Monday XX/XX/19 approximately XXXX XXXX we received a notice from XXXX hand delivered ( not notarized ) that we have 10 days to move out. THIS WAS THE FIRST WE KNEW OUR HOUSE WAS BEING PUT IN A TRUSTEE SALE AS A FORECLOSURE. I immediately called Wells Fargo to attempt to contact XXXX and instead had to talk to a third person. They informed me she had put it in the trustee sale because I never sent in our agreement. The agreement that was notarized and we mailed out. Then they started taking our payment out in XXXX. We never received a notice saying there'd be a trustee sale on our property on XX/XX/XXXX, or we would have had my XXXX year old son ( who still lives with us ) use his pre-approved home loan of {$150000.00} to buy it from Wells Fargo so we could all stay in the home. I reached out to XXXX XXXX XXXX XXXX to see if we can buy our home back for what he paid for and he replied that he has a job to do, and Idaho is not required to let the foreclose ( victims in this case ) residents to be able to have 60 days to buy it back. He also told me that my home is worth {$250000.00} at least so that's what he wants for it. I understand that is the law. But the foreclosure proceedings were not done by Wells Fargo, and when I received a ten day eviction notice I was completely blindsided, two weeks before XXXX. I contacted XXXX   XXXX XXXX this morning and they recommended submitting this complaint and contacting a lawyer. I am meeting with a lawyer at XXXX XXXX today to see if I can have them file a Lis Pendens motion to stall until we have the opportunity to get Wells Fargo to fix this. Wells Fargo needs to fix this- and get the home back in their financing, at which point we will get a loan through a company that isn't horrible with no ethics, and buy our home back. Why would they have sent me a copy of my statement on XX/XX/XXXX and then foreclosed ... I can't open that now because the loan is no longer a Wells Fargo account, and it isn't their problem anymore. I am positive that Wells Fargo did not follow the foreclosure proceedings according to law.

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