Consumer complaint received 2017-11-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was placed on a forbearance plan with Wells Fargo for a financial hardship I was going through. I was told to pay {$25.00} a month during this forbearance plan. I paid my XXXX XXXX monthly and on time. At the end of the plan, I was supposed to pay aprx. {$17000.00} to bring my loan current. 

During that time frame, I found a position with a company who paid me {$80000.00} a year. This company ended up laying me off 2.5 months later in XXXX of XXXX. This was the first time I had ever been laid off. I asked Wells Fargo if they would like me to submit the documents for proof and they said " it was n't necessary ''. They told me they would work on finding a way to extend the forbearance. Over the next several months, I cooperated with their Home Preservation team to provide the documentation they asked for. During that time, I was shuffled from one Home Preservation Specialist to the next. There was always some problem and some excuse on their end as to why they did not receive the documents. I faxed them, emailed them, uploaded them and still received the run around. During that time frame, I was assigned to aprx. 5 different specialists. 

I was told by the Home Preservation team to go ahead and pay my full monthly payment until a decision was made on their end, which I did. Then I found out my payments from XXXX XXXX ( checking account ) were getting denied. I called and clarified the routing number ( they claimed they had the wrong one ) and then the payment eventually went through. The next month, the same thing happened. Called them again, confirmed the routing number and yet the payment did not go through. 

So I went to Wells Fargo with cash to pay my full mortgage and they would not take my cash! The bank system at the branches do not talk to the Home Preservation systems. This is a real problem. The bank told me I was in foreclosure status as of XXXX XXXX. This is impossible because XXXX XXXX, I received a letter from the Home Preservation team stating we need to talk about other options available. I WAS NEVER SERVED BY A POLICE OFFICER, NOR WAS I EVER INFORMED VIA FED EX, OR ANY OTHER FORM OF PROCESS / COMMUNICATION, ETC. 

So, I contacted a supervisor at the Home Preservation Team and he told me the following law firm had contacted them : XXXX XXXX XXXX XXXX. Sure enough, I did some research and there are multiple lawsuits against these Ponzi Scheme artists and I have fell a victim of their ongoing criminal activity. I 've posted a link below that discusses their recent ( one of many ) class action lawsuits guilty of doing the same thing they are doing to me. 

XXXX XXXX XXXX I encourage those to come forward who are in this situation. THIS NEEDS TO STOP!!!! 

Now the bank is trying to force me to short sale by XXXX/XXXX/XXXX. I have n't even been served yet! How is this possible????? I 've been in this house 7 years. I have quite a bit of equity in it. This is ridiculous. 

Justice needs to be served against these criminals.

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