Consumer complaint received 2018-11-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018 I was let go from my job. But, previous to that my hours were cut in half starting in XX/XX/2018. So I wasn't able to make my monthly mortgage payment starting in XX/XX/2018. I contacted Wells Fargo Home Mortgage in XX/XX/2018 to see what it is that they can help me with so that I want lose my home. I filled out an modification application in XX/XX/2018 and a few weeks later it was denied. I appealed the decision and sent my application for unemployment to Wells Fargo Home Mortgage and a few more weeks after that in XX/XX/2018 that forbearance unemployment application was approved. I was relieved as finally I received the assistance. I then applied with the State of New Jersey to receive assistance for help to pay my past due mortgage payment. Which I am still awaiting a status update on. In XX/XX/2018 I received an offer for employment and after two pay stubs I notified Wells Fargo Home Mortgage and was told to fill out another modification form in order to get a new payment arrangement so that I wouldn't lose my home. The beginning of XX/XX/2018 I was denied the modification because the bank said that I could not afford my home and pay my bills and I was 5 days away from the 1 year anniversary of making mortgage payments which was XX/XX/2018. I was livid now I am in jeopardy of losing my home. I immediately appealed the decision on XX/XX/2018 sent along my pay stubs with my monthly income of {$3900.00} a month, {$800.00} in child support that they forgot to include somehow which was included in the previous modification applications, and I also made them aware that both of my children and my boyfriend contributes financially which totals {$1200.00} a month from all three of them. On Friday XX/XX/2018 I was again denied now stating that I didn't show them enough support of the money received from the borders, which are my family members. I not only gave them that it was my bank statements that I showed the many cash deposits from my family members. I also, showed the Child support statements showing the deposits. Now, my Home preservation specialist wants me to wait a week. Call another department and again fill out another modification application which would be my fourth or fifth one this year in a matter of one month, send copies of mail that is received at my address but in my children 's name and to tell them again how much I received from all three of them. I never thought that I would have to go through this just to get a loan modification getting the arrears put at the end of the loan. I am now working and I am having to jump through500 different hurdles and everybody at this bank gives me one excuse after the next and I am getting nowhere and I feel like it is being purposely done and I am so scared of losing my home. I need this to be rectified or I need someone to come to the plate to assist me with this matter seriously. I am beyond frustrated. I have followed all your rules and nothing is being done. This is not a joke this is my life. Soon as the decline of the appeal Wells Fargo Home Mortgage removed the modification and reported my Mortgage account 180 days past due and my credit score dropped tremendously. This foul on so many levels

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 non-monetary relief