Consumer complaint received 2018-05-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have on numerous conversations, e-mails, and written coorspondence tried to work with my Mortgage Company, Wells Fargo, Mortgage, Home Preservation Specialist, XXXX XXXX, Phone Number XXXX XXXX, regarding loan number XXXX to work out payment options and modifications to assist me with a sudden XXXX Retirement which decreased my income by 66 % and due to a violation of the County Court Im still paying full alimony to my ex-spouse which is at the XXXX Supreme Appeal Court finalizing their decision on XX/XX/XXXX. At which time the alimony discrepancy and monthly pay I currently receive after garnishment will be {$7800.00} a month versus the {$3700.00} a month I am reduced to at the present time plus having to pay legal fees. I have been struggling since XX/XX/XXXX to make house payments and pay required legal fees with 401k withdrawals, selling all valuable assets, etc. I recently contacted the Honorable XXXX XXXX office to request assistance and was advised to speak with a firm that assists with foreclosures. I learned that according to the findings of the foreclosure assistance firm, Wells Fargo has violated several Federal and a State ethical violations in how they processed my first loan modification and the lack of  working with me to avoid foreclosure on a VA loan. Im a XXXXXXXX XXXX XXXX Veteran about to lose my home and be forced to live on the streets because the court process and a extremely incompetent attorney I hired failed to represent me in court for my recent hearing. So Ive had to wait almost 15 months for the Appeal Court to finally rule on this Appeal which will be in support of me from the County Court Order by the Judge violated 3 significant Federal Laws applying to 10 USC,  Colorado Statute for lack of appropriate legal representation, and the awarding of attorney fees in a Alimony case which violates Colorado Law. I just received another letter from the Law Firm of XXXX XXXX XXXX XXXX XXXX, Phone Number XXXX, Representing Attorneys ( XXXX XXXX - Reg No XXXX, XXXX XXXX - Reg No 44900 and XXXX XXXX - Reg No 45482 ) expediting the Foreclosure Process by the request of Wells Fargo with no coordination, or contact made advising me of these actions. Ive tried hard to keep paying my mortgage but with the current financial hardship Im experiencing, which will be resolved in the Fall XXXX timeframe, Wells Fargo has been of no assistance and has on several occasions disconnected my phone calls, avoided calling me back, or trying to work with me on my loan. I currently have a contract which should close this week but with the recent court order I am unaware if I can still sell my property, which Wells Fargo advised me in late XXXX I had until XX/XX/XXXX to work a payoff on my own. In addition, I have been charged legal fees, additional interest, and other fees due to their unethical conduct regarding the support and financial assistance will my mortgage in the amount of approximately {$40000.00}.

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