Consumer complaint received 2018-09-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, we tried to do a loan modification when my husband 's income had taken a {$4000.00} a month cut. I paid the mortgage for an entire year to keep us going but the first loan alone was {$7500.00}. I couldn't continue without his help. It was an interest only loan. We were promised a modification verbally then would receive a written notice that the file was closed. We were promised a call with decision makers after that only to receive calls from workers who said they didn't have the authority to make decisions. We were constantly given the run around. My husband finally claimed bankruptcy to accelerate a modification to come to fruition to no avail. Wells Fargo actually flew 7 higher ups to meet us for a conference only to tell us they couldn't do anything. We continued to try for years. I finally left my husband almost 4 years ago and notified the attorneys for the bank as well as executive mortgage services of my new address. I informed both that my soon to be ex husband does not open the mail and does not inform me of anything going on. I asked that all correspondence regarding our home and foreclosure be forwarded a copy to me. I received nothing. In addition, I started a short sale last year that at first my husband agreed to but then refused to cooperate. I was continually in touch with a contact at executive mortgage services. It went nowhere because of my husbands refusal to cooperate. My divorce attorney couldn't do anything because nothing was happening with the house. On Monday XX/XX/XXXX my Soon to be ex husband notified me that he had received a notice from Wells Fargo informing him of a foreclosure auction date of XX/XX/XXXX. I immediately called my contact at Wells Fargo to find out why I did not receive any notification and also to submit a short sale application that my husband was now willing to cooperate with and he did not return my call. I called 3 more times that week to leave messages to no avail. I faxed in a short sale offer to the bank as well. Today, I called a different number to find out my addresss was never changed, the contact I had was no longer in that department but never had the courtesy to let me know and this was his personal cell phone number that he gave me to contact him on all along. So I suppose there would be no recorded record of our conversations!

This foreclosure which was not my choice, will cause me many repercussions for my future. Had I been notified as requested all along, a very different outcome that was more favorable could have occurred. I am a responsible party on the note yet I was not notified of anything despite my numerous requests. I contacted the bank and was told they are moving forward with the foreclosure but will investigate why I wasn't informed. This may help their internal processes but does nothing to mitigate my severe losses financially, and otherwise.

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