Consumer complaint received 2018-10-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I became unemployed at which time we spoke to Wells Fargo Mortgage company and they decided that if we could pay {$610.00} starting in XXXX of that year we would be safe. They gave us a renewal of the promise in XXXX of XXXX and we continuously paid thinking they were working with us and, as I am in education, they would wait until XXXX of XXXX before the situation worsened. In XXXX of XXXX while we were still paying the XXXX monthly one of my friends told me my house was on the foreclosure list and it was. It was listed as still owing {$200000.00} and being sold by a bank out of XXXX ( as Wells Fargo informed us as initially I reported it out of XXXX. The bank said it was extended from XXXX to XXXX ). My contract clearly states my mortgage can not be sold unless I am informed, we were never informed of anything. At one point Wells Fargo tried to blame XXXX for putting us into foreclosure, and then claimed we were still owned by them. We went through several changes with the bank, which you were previously told of but the matter is the monies involved during the transactions that can not be accounted for. 
We paid XXXX for 10 months as we were supposed to be on a plan to help us keep our home which amounts to {$6100.00}. 
In XX/XX/XXXX we paid {$26000.00} which they listed on their records on XX/XX/XXXX as {$18000.00}. 
Interesting enough it was listed on the foreclosure site as still owing {$200000.00} but suddenly it was now {$210000.00}. The {$26000.00} took us from the wrong aforementioned balance to XXXX. WHAT HAPPENED TO OUR MONEY? 
on XX/XX/XXXX after many mentions of non payment it says we paid {$2000.00} and now our balance was {$210000.00}. On another line still dated the XXXX of XX/XX/XXXX it says we paid {$6200.00} now making the balance {$210000.00}. In XXXX with no warning and without giving us any type of modification they raised our payment from {$2000.00} to {$2000.00}. 
Adding up the monies put given to Wells Fargo - {$26000.00} + {$6100.00} + {$2000.00} = {$34000.00}. Wells Fargo has not only raised the amount still owed on the property but also claimed it was only paid {$26000.00}. I need to know where the rest of the money is and what right do they have to raise our mortgage payment. and take {$8100.00} with no explanation of same. 
I have a letter from Wells Fargo stating if we brought the mortgage current we would not have to pay lawyer fees or late fees. In addition to same they have mentioned it in several of the audio recordings I have. 
It is against the law to just raise someones mortgage without notification and why. 
Where is our {$8100.00}. 
How did it go from {$200000.00} back to {$210000.00}. 
Why does Wells Fargo do this to people and get away with it. 
Is there a class action lawsuit in progress we can join. 

It is important to note that XXXX X 12 mos X 16 years equals {$390000.00} dollars why than are they charging this astronomical price.

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