Consumer complaint received 2018-09-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX approved for a VA Mortgage with Wells Fargo. 
Early XX/XX/XXXX discharged from the XXXX in order to receive a commission later XX/XX/XXXX Closed on Mortgage, Wells Fargo knew that I was not employed on that date as I was awaiting my commission and first commissioned assignment orders so they went ahead and allowed us to close anyway because they knew I was going back to XXXX XXXX as soon as all of the military paperwork was done. 
XX/XX/XXXX Commissioned into the XXXX and reported for training in XXXX XXXX, TX XX/XX/XXXX faxed letter regarding upcoming deployment and orders XX/XX/XXXX XXXX  to XXXX XXXX XXXX location Middle of XX/XX/XXXX Wells Fargo informed us that they had placed a Military Deferment on our Mortgage and that the payment amount during the deferment is {$0.00} and any money received on the account would go 100 % towards principle. 
XX/XX/XXXX returned from Deployment and Deferment removed Letter dated XX/XX/XXXX from Wells Fargo stating that they can not accept our XX/XX/XXXX payment that they received on XX/XX/XXXX because when they removed the deferment all payments that were deferred were due in full immediately and that they would not accept regular monthly mortgage payments until all delinquent amounts were paid. We continued to send our payment every month and every month they sent us the same letter for 4 years. We applied for a VA Modification in XX/XX/XXXX and were told over the phone that we were to not make payments until the modification was completed. We still sent the payments in anyway to protect ourselves just incase. XX/XX/XXXX faxed letter and XXXX XXXX for a 356 day XXXX XXXX/XXXX XXXX XXXX to wells fargo. Wells Fargo said that we didn't qualify for any protection because the mortgage was severely delinquent.We still continued to send in our payment every month and they continued rejecting the payment. Eventually got a decision XX/XX/XXXX stating that we do not qualify for any of the programs at all to save our house because I had just gotten promoted that month and my income was now too high. Receive PCS Orders for XXXX XXXX, XXXX  fall of XXXX report date XX/XX/XXXX, and faxed the orders with a letter to wells fargo. Wells Fargo said that we didn't qualify for any protection because the mortgage was severely delinquent. We still continued to send in our payment every month and they continued rejecting the payment. Received orders for XXXX XXXX XXXX  XXXX XX/XX/XXXX report date XX/XX/XXXX, this was a XXXX XXXX for medical purposes, and faxed the orders and a letter and Wells Fargo said that we didn't qualify for any protection because the mortgage was severely delinquent. End of XX/XX/XXXX they applied for foreclosure. XX/XX/XXXX it was granted against the property and denied against the borrower. XX/XX/XXXX they sold the house on the courthouse steps for about half of it's value and we were given 3 months to buy the house back for the sale amount or lose our house forever. During the entire 4 years that this has been going on they have also been charging fees every month that are not allowed due to XXXX. This was supposed to be our retirement home as I am 5 years from retirement. They are also reporting on my credit that I was foreclosed against even though the lawyer told me that that wouldn't happen because I wasn't foreclosed against and that the judgement was also a no deficiency judgement so my VA certificate would be immediately available to use again after the sale. It is not. I have a ton of documents so I will just upload a couple of them and supply more upon request.

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