Consumer complaint received 2017-05-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  Through a   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  event, I was placed into a Home Assistance Modification Program HAMP trial period payments with Wachovia.      XXXX  I finalized the trial payments of the HA MP with Wachovia  into a permanent loan with a fixed rate.      XXXX  I made my last full mortgage payment wit h Wells Fargo/Wachovia.       XXXX  I began to experience financial hardship due to an extended illness ; having exhausted all of my sick leave and annual leave in lieu of sick leave my  employer placed me into a Leave Without Pay ( LWOP ) Statu s. I was forced into  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX  I began to receive reduced source of income from a  XXXX  pension. I sought home modification assistance and/or forbearance assistance from  Wells Fargo, on my own and/or through a Housing Counselor at least three  separate tim es from  XXXX   XXXX ,  XXXX  through  XXXX   XXXX .     Late Winter Early Spring  XXXX  I received written notice  from Home Insurance Company that Wells Fargo had changed the loan number for my   XXXX   HAMP M odified loan.      XXXX   Wells Fargo sent me written Notice of Intent to Foreclose . I contested the foreclosure and sought mediation through the  Court, citing Wells Fargo dilatory tactics and bad faith co nduct in creating the high delinquency and arrears of my  XXXX   HAMP lo an.      XXXX  I filed another application to  Wells Fargo for HAMP Mortgage A ssistance  XXXX  Notice  re Application for HAMP  Mortgage Assistance  XXXX  I received written notice of  Wells Fargo 's   Denial of my  XXXX  HAMP and NPV Report. Th e NPV does not list values for key financial factors for HAMP  consideration and it fraudulently misrepresents a mixture of material information from both my  XXXX  loan that I modified with  Wells Fargo  through  XXXX  in  XXXX , as well as my  XXXX  HAMP modified loan, as a single  XXXX  loan.      XXXX  I received Property Valuation Information fro m Wells Fargo  pertaining to my  XXXX   HAMP Mort gage Assistance Application.      XXXX  Notice Regarding HAMP Application.     Around  XXXX  I filed an oral Appeal of  Wells Fargo 's denial of m y  XXXX  HAMP application.      XXXX  I received written notice fro m Wells Fargo regarding my oral complaint of its  denial of my  XXXX  HAMP application.      XXXX  Written Notice  from Wells Fargo d ated "  XXXX  '' the same day of their HAMP denial, received on  XXXX , offering Mortgage Assistance in  a Wells Fargo L oan Product.      XXXX  I filed a written appeal of the denial of my  XXXX  HAMP application utilizing page  XXXX  of  XXXX  Appeal Request Form in  XXXX  Denial of  XXXX  and written attachment detailing answers to questions  XXXX  and  XXXX  of the Appeal Request Form :  # 1. Please state which decisions you believe are incorrect and why # 2. Please enclose any additional information you may have, that supports your appeal.       XXXX   Wells Fargo sent  me written notice of receipt of my  XXXX  written appeal of its denial of my  XXXX  HAMP application.      XXXX  I attended Court Ordered Foreclosure Mediation  with Wells Fargo thr ough the   XXXX   XXXX   XXXX    XXXX   XXXX .      XXXX   Wells Fargo  sent me written notice of its decision regarding my oral and written appeal of its denial of my  XXXX  HAMP application ; the same day as the Foreclosure Mediation  XXXX   Wells Fargo se nt me a second written notice of its decision regarding my oral and written appeal of its denial of my  XXXX  HAMP application.      XXXX  I received written Instructions for Final Loan Agreement int o Wells Fargo Modification Product with varia ble interest rates. Once again, fraudulently misrepresenting a mixture of material information from both my  XXXX  loan that I modified with  Wells Fargo  through  XXXX  in  XXXX , as well as my  XXXX   HAMP  modified loan, as a single  XXXX  loan.

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