Consumer complaint received 2018-05-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage continues to disrupt my life and act against me in ways to prevent me from obtaining mortgage resolutions without the threat of foreclosure sale. For numerous years : - Wells Fargo stopped accepting payments that I sent to them ; denied me a modification repetitively numerous times until I was able to get HUD and FHA intervention to get a modification and then Wells Fargo intentionally sent the modification paperwork so late to me that it expired one day after receipt ; - Filed a foreclosure action with the Court in which Wells Fargo lies with a claim that my home " is not owner-occupied '' as a ruse to prevent me from obtaining normal and regular mortgage resolutions to which I would otherwise be entitled - their lie about my home ownership status is still filed with the Court - Locked me out of my home for six months to prevent me from access to all belongings and personal effects and material information about my home that is in my home - Wells Fargo forced me into XXXX for six months rather than work with me to achieve mortgage resolutions ; - Stopped my mail delivery concurrently at the time of locking me out of my home so I could not receive essential mail ; - Misappropriated my utility account by substituting their identity onto my home and utility account with XXXX XXXX XXXX XXXX XXXX - an action that prevents me from now proving my residency and occupancy because I do not have a current utility bill with my name and address on it ; - Would not authorize me to enter my home, as police told me in XX/XX/XXXX when I was locked out that I needed authorization to enter my own home. Wells Fargo sent a letter of authorization to enter in a proprietary Wells Fargo electronic file that could not be opened and it took months to get the letter in a file format that was openable ; - Would not provide keys in the lockbox that they put on my home and then only provided one of two keys needed to enter my home, in three repetitive monthly incidents, purposefully preventing me from entering my home ; - Refused to recognize my attorney for two months of the six months that I was locked out of my home because of an alleged deficiency in my attorney 's letter of representation, thus leaving me lawyerless against Wells Fargo 's legal actions ; - Claimed that Wells Fargo 's attorneys were responsible for setting up a mediation while Wells Fargo 's attorneys claimed that Wells Fargo claimed that their attorneys were responsible for setting up a mediation ... and meanwhile no mediation was scheduled or conducted, and this was during the time that Wells Fargo would not recognize my attorney, so as to prevent me from availing myself to mediation ; - Waited an entire month most recently to send to me the demands for material information for mortgage resolutions when I submitted an updated financial statement and mortgage assistance application - while they also scheduled a new foreclosure sale date set for only two weeks after sending the long list of material information demanded, essentially leaving me no reasonable amount of time to obtain and provide the requested information ; - Finally provided six years of monthly mortgage billing statements, but only through my attorney to me, and only after I filed previous complaints with the XXXX. Wells Fargo violated the 2012 Attorneys General Mortgage Servicing Agreements by not sending me monthly mortgage statements, and  this was an act to intentionally keep me uninformed about the details of my mortgage account. Wells Fargo 's representatives during these years since they stopped sending me mortgage statements said that providing mortgage billing statements " is only a courtesy, '' regardless of it being a requirement of the 2012 Attorneys General Mortgage Servicing Agreement with the major mortgage lenders and servicing companies. For this violation alone, let alone other failed actions and improper actions by Wells Fargo, the servicing of my mortgage should be reset to a current status and restructured! Wells Fargo has intentionally acted against me by refusing to accept payments, acting in manipulative and coercive ways to prevent me from implementing a repayment plan, a forbearance agreement, mediation and/or modification, and Wells Fargo continues to act in such ways to prevent me from doing so. ; Wells Fargo continues to torment me with their evil and sinister actions and mis-servicing of my mortgage and denials of help and lack of responsiveness and their sluggishness in performing simple tasks like mailing mortgage billing statements for years and years, and their false filing to the Court that my home " is not owner-occupied '' which is designed to prevent me from accessing normal mortgage resolutions because they want to portray my home as being " not owner-occupied '' because then I would not be entitled to mortgage resolutions if I am not a homeowner, and their locking me out of my home for six months to prevent me from conducting defense and protection of my home and my rights as a homeowner. 

I have lived in my home and owned my home for 28 years, and I fear that some of what Wells Fargo is doing to me might relate with my age, which is not bordering on senior citizen status and retirement age. They know from the length of my residency that I'm no spring chicken and I fear that age discrimination might be involved with their actions against me, i.e, in a year 's time and another year of my age ticks by I could possibly pursue a reverse mortgage and I suspect Wells Fargo does not want to be in the business of reverse mortgages with customers/homeowners who have faced some difficult economic times recently and possibly pursue with them a possible reverse mortgage. Wells Fargo would rather seize properties away from homeowners while disabling them with trickery and schemes such as how Wells Fargo locked me out of my home and failed to recognize my attorney ... and in their plan to take my home away because Wells Fargo sees more value in properties to resell than in keeping homeowners in their home. What Wells Fargo has done to me is un-American!!!

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