Consumer complaint received 2018-05-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got behind on my payments on my mortgage payments in XX/XX/XXXX XX/XX/XXXX I had all the money catch my account up make it current. The lady from my lender said I could take the money to a branch in my city and as long as I got there before the Foreclosure sale started I would be able to stop it but when I got there they wouldn't accept it and I had it in cash all of it so went to where the Foreclosure sale supposed to be carried out no one was there and I sat there for 4 hours a few days later I don't know exactly how long the lender called said I could pay {$5000.00} they would reinstate my payments and I got that in writing I did everything as they ask I need the money they never accepted any of my payments that's why I am behind on payments right now they would not accept them 13 months later they decide they let me make a payment but they got to have it all in full and I was behind so much I didn't have the money to pay it my home and property is worth {$120000.00} are prices for that and I say oh just as much alone now as I did when I borrow the money 13 years ago and I have been making payments for the first 8 years I didn't miss a payment then work got slow then I got laid off and I had gotten a little behind but I have tried my best to make it up I've been over backwards trying to please this company but my lawyer tells me that I haven't according to the lender but I told me or not later if I would pay that money I would be reinstated they said nothing about waiting or holding on to any money they said it might take over a month or two but after the judge signs the Foreclosure dismissal I should be able to then as soon is that near the judge had signed the paper I tried to make payment they wouldn't accept it. And haven't accepted one till yet I believe that I've lied to me and is trying to take my home cuz I have tried and tried and tried to pay them payments then they hold me off so long the payments are so far behind I can't make them and I done this on purpose they didn't say anything to me about having to wait or hold on any money or anything before I pay this {$5000.00} because I asked them when I pay you this money my loan will be reinstated they said yes and sent me a letter saying that. All this other mumbo-jumbo excuses that keep giving me I don't understand all that but what I do understand is they told me if I pay this money they reinstate my lawn I did what they asked they didn't hold their end of the deal up that's the way I see it and I done everything they asked and I've been doing it for 2 years and it still won't let me pay and now they're trying to foreclose on my home that I lived in all my life I've been paying on this loan for 13 years now and I still owe about the same amount they say it was lawyer fees and all that but I thought I call out caught all that up when I paid that money so I really believe just loan from the get-go something's wrong they wouldn't accept my cash to stop the Foreclosure they won't accept my payment and reinstate my long like they told me so yeah I think they're really trying to take my home and just bully over me cuz they will just not accept my payment or are doing anything to try to help me out they just keep piling it on giving me more stuff to go do more red tape plow through hoops to jump through and through all of this for the last 2 years this is cost me a lot of time out of work and a lot of money money I could have paid on the loan instead of wasting it on lawyers and stuff is just completely unnecessary so all this is why I believe they're trying to take my home cuz I don't think there's nothing I can do about it and I have the nerve to tell my lawyer that I've not cooperate it that I'm not done what they ask but I know I have I got the paperwork to prove it so please somebody somebody help me keep Wells Fargo from taking my home

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