Consumer complaint received 2023-12-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was certainly part of the Wells Fargo Scam and my house was stolen from me in XXXX. I am a veteran, and this was my first home and first time using the VA Home Loan. Here is the letter I sent asking for assistance from a law firm that refused to help me. I have been through XXXX after this foreclosure and glad to see that Wells Fargo was caught. Just yesterday, XX/XX/XXXX, I received a check from Wells Fargo for {$200.00} stating, " During a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for {$200.00}. We apologize for any inconvenience this caused. '' I have not cashed the check and will not until I seek advisement. I will do whatever I need to do to seek damages. 

To Whom It May Concern : On XX/XX/XXXXXXXX  after XXXX XXXX years as a professor, I was laid off from my job at XXXX  XXXX due to financial reasons, the school was officially closed and all employees laid off. Immediately, I applied for on employment and informed my mortgage company ( Wells Fargo ) of the drastic change to my employment status. 
By XX/XX/XXXX, I had been hired by XXXX XXXX and working full-time hours as a long-term substitute teacher to replace a teacher who had resigned. While substitute teaching, I began working with veteran organizations to secure a position in my field of healthcare. Being overqualified for many positions has made it difficult to find employment. My applications included any position from janitor to executive. After being three months behind on my mortgage, Wells Fargo placed my home on forbearance. Although I made enough to cover the monthly mortgage ( $ XXXX monthly ), Wells Fargo would not allow me to make a payment until I had the full amount. 
As a full-time XXXX XXXX, who has completed all classwork, I receive enough financial aid to cover several months of back pay ; however, again, because I did not have the full amount, I was not allowed to make a payment. I went through several loan modifications with Wells Fargo, each time having difficulty with Wells Fargo accepting my long-term substitute contract as viable income. XXXX XXXX even provided a letter to Wells Fargo to verify that I was under a long-term contract. 
I could not work in the months of XXXX and XX/XX/XXXX due to my brother becoming sick with a sudden case of XXXX and passing away in XXXX, Texas. 
After several months on forbearance, Wells Fargo gave me until XX/XX/XXXXXXXX  to demonstrate an increase in my sources of income to avoid my house going into foreclosure. As I had done throughout the entire process, I kept Wells Fargo informed through contact with my Home Preservation Specialist as instructed. On XX/XX/XXXX, I had a scheduled interview with XXXX and was told that I was a likely candidate for higher. I informed Wells Fargo of the interview and the potential of increased income. On XX/XX/XXXX, I was officially hired or part-time position, and send an e-mail to Wells Fargo and the Department of XXXX XXXX XXXX Department . With the additional income added to my teaching job during the day, and now working at XXXX in the afternoon, this income would be enough to avoid foreclosure of my home. 
On XX/XX/XXXX, I received a response e-mail from Wells Fargo directing me to call and speak to my home preservation specialist to place me into the reentry team to restart the review process. On XX/XX/XXXX, I called Wells Fargo as instructed and spoke to a representative who congratulated me on the job and asked me for 15 min. interview to begin the process. Unfortunately our was at work at the time and could not complete the 15 min. interview, but informed them that tomorrow during my lunch hour I would be able to call in. I was told that it was okay perceive that manner. I sent an e-mail to my home preservation specialist to confirm what was discussed. 
On XX/XX/XXXX at XXXX XXXX, I traveled to XXXX to meet with my manager who was writing me a letter of hire to send to Wells Fargo. While in his office I called Wells Fargo for the 15 min. interview, and the opportunity to obtain directions to forward the letter of hire. The representative I spoke to inform me that they would not allow me read modify my loan due to the VA having a seven-day application process. I spoke with several managers, until finally being transferred to the foreclosure department. In utter disgust, I was told that even though I had a job for the deadline of XX/XX/XXXX that my house would be sold. 
On XX/XX/XXXX, Wells Fargo sold my house to a law office sold my house to a property group. On XX/XX/XXXX, I received a knock on the door stating that my house was sold and the individual was the new owner and that I would have to prepare to leave the property. 
Before the foreclosure, my credit score was XXXX. My credit score is now XXXX and with a foreclosure listed on my credit report. While I plan to continue to fight this unjust treatment, it is vital that I continue to work both jobs from XXXX XXXX  to XXXX XXXX  and XXXX XXXX  to XXXX XXXX, while trying to secure housing and move my belongings. 
I never thought this would happen to me with my first home, nor did I believe that after doing everything that I was asked to do, my house would be sold in such a manner creating another homeless veteran. 
Currently, I'm in the process of being quickly promoted to management XXXX due to my education and experience. During my first day of orientation, my manager sign me up for the test to be promoted to management, which I completed the test on XX/XX/XXXX. This change to management is focused on restoring me to my normal salary range of $ XXXX. Until that time, I am making {$400.00} a week substitute teaching and {$200.00} a week at XXXX ( total {$600.00} weekly/ $ XXXX  monthly ). 
With stable income and the drive to turn my situation around, I only ask for an opportunity for housing while I go through this difficult time.

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