Consumer complaint received 2019-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our Wells Fargo Nightmare We are currently facing the auction of our home yet again with Wells Fargo on XX/XX/XXXX. In XXXX we applied for a loan modification due to loss of income from my husbands job loss and high medical costs with my XXXX XXXX. We were denied. We then hired an outside loan modification group to negotiate a solution for us and we were approved in XXXX. We had a scheduled auction date at that time, but the sale was cancelled after we filed bankruptcy for the 1st time during this modification process. On first payment was for XX/XX/XXXX. I returned an email to one of Wells Fargos employees on XX/XX/XXXX to set up payments after an email was sent to us XX/XX/XXXX reminding us of the payment. No response until XXXX and was told the modification was cancelled. Nothing after that dead silence from Wells Fargo. I couldnt believe it. 

They again set up our home for auction in XX/XX/XXXX, but due to Harvey was cancelled. A horrible disaster was actually a godsend for us. In XXXX we still heard nothing. We received our statements and then notices from their attorneys office in XXXX. We have had to file bankruptcy 4 times to stop the sale. We dont even need to file bankruptcy. We are now onto our 3rd law firm to help. In XXXX after numerous complaints being filed with the FTC, XXXX, Texas Attorneys General and Federal offices, Senator XXXX XXXX office, Rep XXXX XXXX, posts made to their XXXX page, emails to their executive board, and their senior attorney they cancelled the sale the morning of the auction and all of sudden Wells Fargo wanted to help. I requested at that time that all correspondence be done via email or letters. Having to call and explain the situation with them is a joke. This went on until right before XXXX. They researched and said that they made note of the bankruptcy and would not be auctioning and to start on the loan modification process. On XX/XX/XXXX I called to start the process and through a recording was told that the house was being auctioned XX/XX/XXXX and the kicker is that we received a letter from a VP in their home mortgage department telling me they were working on the problem dated the very same day. 

I have filed complaints yet again as well as with HUD. I am currently in my 2nd XXXX XXXX XXXX  since XXXX due to the stress and fear that this has caused. I am praying that I will be able to pull through and not become XXXX XXXX XXXX. I was nave to believe that they would actually work with us. I believed a kind woman in their executive offices in XXXX XXXX that said she would help us. They are liars and would do anything to destroy people for money. I am gathering financials for the new firm to handle. It has been a long process the last couple weeks and will fax what we have left this morning. I have 2 more weeks of heavy treatment and can hopefully start the long process of recovery but I have no idea if I will be in my house doing it. I did not have to use a XXXX  until now and I fully blame them for this. Stress and XXXX are a devastating combination. All we wanted was to work with them and pay our mortgage. I dont even want them to cover my medical costs or legal fees I just want them to cancel the sale and work with us like they said they would. This has consumed our lives. 

XXXX  XXXX

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