Consumer complaint received 2017-04-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, Let me say- I have written XXXX XXXX XXXX President Obama , XXXX XXXX , XXXX XXXX early on, Nobody believed me! 
My name is XXXX, I am a mother who had her home stolen and foreclosed on back in XX/XX/XXXX. It began in XX/XX/XXXX and I am writing to tell you some of what happened to me. My last hope was the '' foreclosure review '' That was cancelled. I was devastated again! 
I was never notified of any part of my home being foreclosed on. No calls, none of the stories you hear of people in their homes for years. IT WAS JUST GONE! 
What took place in the United States with these unlawful foreclosures ; not only for my family, but from what I am finding out so many families is an atrocity. For these mortgage companies to be allowed to brush it under the rugs like they are is shameful. I wonder if this happened to their mother or children, would their outlook be the same ... I 'm betting no. 
I am a home owner that did lose my home during this time. No, I 'm sorry I did not lose my home ... It was stolen from our family. 
I was five days late with my payment, after being in our home for 14 years and received a letter from Wells Fargo lawyers that we were in a foreclosure. To call and make the entire balance of our mortgage and then even maybe they could see what they could do. I called Wells Fargo, and was told not to worry, to apply for a modification- I would be all set ... 
My next month 's payment was made, and when my statement came it said " unapplied '', however had been cashed. Long story short, we came home to locks on our home with everything in it. Even our dog. Our home was sold at auction, and we were not informed of any of it. Over a payment that was less than a week late!!! Not a person in the world believed me!! This review was supposed to reverse our credit- maybe be able to buy a home again!!!! Now were still right here with absolutely NOTHING. And then send tax document owing everything that was remaining?!?!?! 
And who is to say between all of us who was wrongfully foreclosed on and who just sat on their ... & did n't pay their mortgages? I am lumped in with deadbeats and people that are just no good. Does that correct the years my XXXX girls have spent hating me because they believe that I must have done something to be where we are because after all I taught them that when you work hard and do what 's right and are honest ... You will get what you deserve. They certainly do not deserve what we were given that day, and every day since. 
Regarding evidence of what happened to my family, it is difficult because we are not in our home. I have a few pieces of paperwork, but only a few. I 'm sure my bank would have copies of cancelled checks, and I have a statement from Wells Fargo that has listed under the payments section on two consecutive months preceding the foreclosure " unapplied ''. ( so where was my payment going? ) Wells Fargo wrote me and said " they drove by and there was no car in the driveway '' they believed the home was empty and secured their investment '' WHAT!!!!!!! They said they mailed letters- sent me dates AFTER THEY SOLD IT! SWORE THEY SPOKE TO MY HUSBAND- to a XXXX # that was a Wells Fargo #!!! All Lies! The foreclosure was taken off of my credit report- " BECAUSE I NEVER MISSED A PAYMENT " ummm how do you foreclose never having missed a payment???? I was forced to file bankruptcy becaue I was sent a tax document demanding the balance owed in the home stolen! 
I was not allowed back in to get anything I Owned, I lost EVERYTHING! 7 years of misery for their Selfish Lies. They have Paid others IN FULL. I DESERVE FULL PAYMENT! I DESERVE AN APOLOGY! My CHILDREN DESERVE TO KNOW I AM HONEST!!! They need to pay me! And correct my credit. Please help me **** XXXX customers were just paid in full- Please make this right*******

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