Consumer complaint received 2016-06-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have a mortgage with Wells Fargo. I am currently XXXX and have been since XX/XX/XXXX. I obtained a mortgage with Wells XX/XX/XXXX, 11 months after returning from XXXX for two years. I came home, got a job with a car servicing company making upwards of {$56000.00} a year and decided to buy my first home something that I was very proud of. A month after the purchase of my home the company that I was working for lost their biggest contract, and due to the economy at that time they had to close their doors and I was out of a full time job. I was stressed out worried about what I was going to all while looking for new employment. I contacted my sister who helped me, together we called Wells Fargo, I let them know of my situation and they stated they could n't help me unless I was 60 to 90 days past due, I thought that was insane and I politely argued that logic, I did n't want to get behind on my payments, I did n't want to mess up my credit, I just needed them to temporarily lower my payments as I could not afford {$2000.00} a month with no full time income, at that time all I had was my monthly military income at about {$500.00} after taxes. Again call after call they stated they could n't help me until I was first delinquent 60-90 days, so after paying my first payment I then became reluctantly 60-90 days, late in order to get assistance. After that it took many calls and conversations later for them to finally say they would give me a temporary hardship payment of five hundred and some odd dollars, I said that would work and I agreed to it. At that time my sister had moved in with me to help with the house and bills and I could make those payments until I found a new job. Wells Fargo stated that they would be sending me the information about the temporary payments and we would go from there, nothing came, I called, they said they sent the paperwork, a week later nothing came and I asked that they resend the documents again, I went away for drill for the military came back and still nothing, I contacted Wells again, and when I finally received the payment vouchers they would n't except my payment stating I was late, I argued that I had n't received what I needed until that time and they said I had to apply all over again. That did n't make sense to me and It was wrong! Every since then I have reapplied and they kick it back saying that I do n't qualify, the guidelines have changed and back & forth again and again almost 4 years later. Since then I have XXXX jobs now, I actually had XXXX at one point with a room mate that contributed to the household, I make more than enough money to pay my mortgage if I am given a fair modification. I 've been on my current full time job for 3 years now, promoted 3 times and Wells wants to Foreclose on my home, I filed bankruptcy last year to save my home, something I did n't want to do and I keep submitting document after document and they refuse to modify me and are now trying to take my home AGAIN with a sale date of XXXX XXXX, XXXX. I need HELP. I risked my life for this country and to come back and be treated like I have been is more then disrespectful and hurtful. I do n't want a free ride I just want a fair chance like anyone else and not be taken advantage of. I can afford my home now if given the opportunity. All I ask is for them to do is fairly modify my loan to an amount that I can afford and not take what I 've worked so hard for.

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