Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been struggling with my first and second mortgage for a while for several reasons. I applied for the hardest hit program through Oregon in XX/XX/XXXX. I filled out and completed all paperwork for my primary mortgage and my equity loan including a third-party agreement for both. It was confirmed by the housing counselor I was working with XXXX XXXX that he had all the documents. It was also confirmed by XXXX XXXX that the hardest hit program would also cover my equity loan I have that an email its attached. I received a letter from Wells NA dated XX/XX/XXXX stating that they didnt have a third-party agreement which they did as they approved the first mortgage on XX/XX/XXXX. I didnt realize I needed to go through that again apparently Wells Fargo home mortgage wants to harvest my home and not acknowledge the third-party agreement that was sent to them. Recently I was contacted by XXXX on XX/XX/XXXX that I had of been approved on this program I was supposed to have been given seven days to review I was not. When I got home I looked at the paperwork on Same day I emailed XXXX and said what about my equity loan he gave me a song and dance saying they didnt know if they could cover that they would review it next. Excuse me I sent him an email of our conversation via email. I also received my original award letter from XXXX stating I have been XXXX back to XX/XX/XXXX, Do you nobody wanted to acknowledge either even though I told them and I was abused harassed psychologically on all levels. Now Wells Fargo Home Mortgage is trying to foreclose on my home because I didnt want to acknowledge the third-party agreement for the equity loan. I have loaded that on to Oregon Foreclosure avoidance portal today I have a meeting on Tuesday with Oregon Foreclosure avoidance I have uploaded the contract I signed for XXXX or the hardest hit. Wells Fargo has jerked me around over and over and over again for over 2 1/2 years theyve treated me like I dont deserve to live or have a voice Ive told them I am XXXX I am told them I dont deal well with stress I have been ignored and ignored over and over again. I have told them I have felt abuse now they have the documentation to prove that I am XXXX and a member of the XXXX XXXX XXXX  XXXX act federal signed by President Ford. The hardest hit program will pay up to XXXX in arrears on my account on my mortgages which I am far below that amount its just that Wells Fargo wants to manipulate me and steal my home. I have even contacted XXXX XXXX XXXX office on this issue. They need to acknowledge that I have a third-party agreement on file even though now Ive sent them three copies including the one Im attaching to this. Ive documented things in attach them to this I hope you can help me resolve this issue and I dont lose my home and become homeless which we have an epidemic of in the state of Oregon do two lenders like Wells Fargo Home Mortgage. The hardest tip program will pay up to XXXX in arrears on my account on my mortgages which I am far below that amount its just that Wells Fargo wants to manipulate me and steal my home. I have even contacted send it to XXXX XXXX office on this issue. They need to acknowledge that I have a third-party agreement on file even though now Ive sent them three copies including the one Im attaching to this. Ive documented things in attach them to this I hope you can help me resolve this issue and I dont lose my home and become homeless which we have an epidemic of in the state of Oregon due to lenders like Wells Fargo Home Mortgage. In fact In fact Oregon is one of the largest homeless population in the country.

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