Consumer complaint received 2019-06-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I purchase this property XX/XX/XXXX signing up at that time for a biweekly mortgage for five years I'm always was automatically debited from my checking account at Wells Fargo ... all of a sudden I got a phone call from Wells Fargo stating that my mortgage payments were behind ... I wonder how could that be when I was on automatic payment.. they stopped it without my knowledge of doing so and stated I was no longer eligible for automatic payments ... .I walked in physically and made the next three payments and these payments were not credited toward my mortgage ... also when they stopped my automatic bi-weekly payments, the money was still being taken out of my account but not put toward my mortgage. At this point I discussed in depth with finally after going through five to six different home preservation specialist I applied for a loan modification in which it was clearly discuss that I would like the behind payments to be put towards the back of the loan and start afresh and pay more towards my principal ... I was told by my home preservation specialist XXXX XXXX to discontinue making payments because my mortgage file is in suspense ... at the same time they were stalling documents so that I couldn't meet the deadline to submit ... a few days after discussing the loan modification with my home preservation specialist he called me and told me he had good news and that I would have to pay {$2000.00} a month., my mortgage payment was {$830.00} a month, .I decline that offer and requested an appeal package this was back in XX/XX/XXXX, as of today I never received that package at the same time this was going on.., they were generating documents to foreclose on my home and actually the first auction of my home was on XX/XX/XXXX that forced me into filing chapter XXXX  and they are still posting my house for auction on the XXXX of each month even though I'm making payment to the trustee every month .... 
I would like my mortgage to be audited, all of my documents and the fact that for five years I was paying bi-weekly and my mortgage payments was being credited as a monthly mortgage there by not being credited the proper ratio of principal versus interest I am a retired 21-year XXXX veteran who suffer with XXXX XXXX XXXX XXXX I am also retired XXXX XXXX in XXXX XXXX and the stress and anger  they calls me over the last fourteen months landed me in the hospital agitated a XXXX XXXX in my XXXX  and cause it to be infected. Even while I was in the hospital and could not barely walk or move they still continue to pursue closing my home in foreclosure and not delaying any process when I was flat on my back and could not even manage for myself. I would like my in time mortgage to be forgiven and paid under the truth in Lending Act. Home preservation specialist XXXX want a and I believe it was his boss XXXX XXXX.. on the phone they acted so genuine and so concerned about the best outcome for me but at the same time they were like wolves in sheep clothing preparing to strip me of my home.even after I gile chapter XXXX to make the payments and catch up on the arrears, they still sent documents to the bankruptcy court against me filing a chapter XXXX again trying to beat me down

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