Consumer complaint received 2019-02-13
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a XXXX XXXX backed mortgage with Wells Fargo for XXXX. They foreclosed on my wife and myself in XXXX. We fought the case for years and On Thursday XX/XX/XXXX they got confirmation. They had a sheriff sale and Wells Fargo then deeded our house to their name in XXXX. Although we paid our insurance separate we had a roof claim in XXXX. We sent the check to Wells Fargo for them to sign so we could get our roof fixed. They kept the check for XXXX and our roof continued to leak which caused mold.Wells Fargo Also Placed forced placed insurance on us to inflate our payoff. Wells Fargo also sued us for more than what was due in principle. According to our note prior to foreclosure Wells Fargo foreclosing on us we were suppose to get a letter stating how much is needed to be out of default. This is important because, in XXXX we put up a cash bond for XXXX to show the lender we wanted to pay. The XXXX dollars we put up is more than the note was actually behind.We applied for modification after modification ( HAMP ) asking can we pay. We explained we had a hardship years ago but we could pay. The case was dismissed as a bad foreclose and in XXXX they returned the money and refiled petition to foreclose attempting to fix the fraud.Although the sheriff deed was vacated in XXXX, they never deeded the house back into our name so we could refinance it or get a reverse mortgage we asked them and their attorney to deed the house back in our name as the court order stated. We filed modification after modification, we used XXXX XXXX to assist us in the modification because we were not sure why they would not approve us. They never sent denial letters. They just kept saying they don't have to respond and they were not giving us one. We filed bankruptcy wanting to pay. Our lawyer over and over asked them to give a payoff. They kept sending inflated payoffs with excessive lawyer fees, forced placed insurance although they were aware we were paying our insurance. We then filed another modification all in all we filed every year for 9 years. Prior to the confirmation hearing we offered XXXX cash they would not except. Knowing the last sheriff sale only got XXXX. We have documents, phone records, and inflated payoffs.We also read about Case No. XXXX and found we had some of the same issues. We contacted the attorneys for the Defendants. We have spoken to numerous people at Wells Fargo including XXXX XXXX whom was working on the modification because it was XXXX XXXX. XXXX XXXX XXXX XXXX office of the President. XXXX XXXX direct line to executive of Wells Fargo XXXX. XXXX XXXX told us not to speak with anyone but him but he has not helped us. 

XXXX XXXX XXXX  filed a sheriff deed on our house after they sold it in XXXX. The judgement was over turned. From XXXX until the present we have asked them to put the house back in our name since the Judge Ordered them too, but they never would which prevented us from getting a refinance or reverse mortgage. It also violated a direct order from the Judge. We could not fix this because it was filed with the Oklahoma Court County records. Which means they must file another deed deeding it back to us.

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