Consumer complaint received 2017-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Due to a nasty marriage annulment, I was forced to pay vast sums ( later reduced ) to ex for support and her attorneys. That situation caused me to fall behind on my mortgage and necessitated filing chapter XXXX bankruptcy. The trustee for the bankruptcy ordered me to pay the minimum amount on the " pic a pay '' mortgage resulting in negative amortization. I made all of the court ordered payments to the trustee for arrears ( my only required repay was to Wells Fargo who owned the mortgage as a result of buying the bank that had financed the house ) and the regular monthly mortgage payment to Wells Fargo. During the sixty month term of the chapter XXXX, Wells Fargo would not allow online payment or automatic deduction. I was forced to call every month to make the mortgage payment for a fifteen to thirty minute call including hold time, monthly redundant questions regarding contact info, etc.. Upon completing and exiting chapter XXXX, it took several months for Wells Fargo to rectify their books and they still required the monthly phone payment. When i called to make the XX/XX/XXXX payment, I was informed that I was six payments in arrears on the mortgage and they would not accept my payment. I called again and spent a great amount of time with a representative that said I was nine payments behind and foreclosure proceedings had begun on my house. I asked for an accounting of what payments were missed and was informed that the Wells Fargo rep did not have access to that info and it would take thirty days to get it. They had already filed a notice of default and I began to be deluged with calls, letters and emails from lawyers, people wanting to buy my home and services to halt foreclosure. I went to both credit unions that I made the phone call payments from and received printouts of the payments to Wells Fargo in less than an hour ( including travel and wait times ). So, there is no reason Wells Fargo can not click the mouse and get an accounting to me in less than thirty days. Perhaps, they are seeking revenge for the junior lien ( second mortgage ) being stripped upon my chapter XXXX exit. If I am behind in any payments, I have never been notified. If I am behind, it would be due to them not processing the phone payment not me being remiss in calling and wasting valuable time with their reps monthly. Under the chapter XXXX that alleviated the spouse attorney payment and support reduction I have ALWAYS been able to make the payments. If I am behind, I have the means to bring the loan current. Wells Fargo has n't provided any accounting and is intent and focused on repossessing/stealing the home that I have paid for, lived in and bled for since XX/XX/XXXX. Wells Fargo is on record and convicted of many illegal, immoral acts. This is their pattern. They are attempting to steal my family 's home. They are criminals. They wo n't give me an accounting for thirty days as they proceed with foreclosure.

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 monetary relief