Consumer complaint received 2020-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, XXXX I filed a Chap. XXXX BK to stop a foreclosure sale on XXXX XXXX, XXXX. At XXXX on XX/XX/XXXX- the day of the foreclosure sale- I received a call from XXXX XXXX XXXX XXXX that there was going to be an emergency hearing at XXXX XXXX one hour before the foreclosure sale ends in XXXX County , Georgia. The subject property had been in a trust set up in XXXX. My brother, XXXX XXXX XXXX is the trustee of the trust, I, XXXX XXXX is the beneficiary and my brother is a licensed attorney in XXXX XXXX, La. The BK Judge set aside the automatic stay around XXXX XXXX  stating that my brother was not licensed to practice law in Georgia. I asked for a continuance or the right to change to a Chap. XXXX. The BK Judge lifted the automatic stay. 
XXXX had taken the subject property off its website earlier in the day on XXXX XXXX. Later at XXXX XXXX the property was put back on the site. I had hired XXXX XXXX to bid on the subject property but was blocked and XXXX even if you bid you still have to go to the courthouse to bid. You can not purchase online in XXXX County, Ga. I also had two men at the courthouse to bid on the property for me. XXXX claims to have " cried out '' the sale at XXXX but no one was even at the courthouse at that time or did not hear the " cry out ''. Under Georgia law this is viewed as " chilled sale '' because it tool place at the end of the day when all the buyers had already gone for the day. The law firm of XXXX XXXX may have a license to practice law but not a license to steal. What makes this case different than all others is I was prepared to bid on the house and had the funds to do so lined up. I had applied some time ago with Wells Fargo for a reverse mortgage and was approved only a few weeks before the closing Wells Fargo decided to get out of the reverse mortgage business. I later was approved 3 more times and Wells Fargo would not accept the proceeds to pay off the loan. Wells Fargo has a manuel it publishes for attorneys which has all kinds of secret codes. I later found out that once a homeowner is 3 years behind in his payments with Wells Fargo they will not modify the loan and only want to foreclose. I had also submitted a loan modification to Wells Fargo only to find out 8 days before the foreclosure sale of XXXX XXXX, XXXX that I was one piece of paper shy ( form 4506 ) from being put in an " active modification '' which would have stopped the foreclosure sale. I got a supervisor with Wells Fargo Home Preservation on the phone and offered to fax the 4506 over but was told it was too late and I was being denied. I feel this is a violation of the FDCPA. I feel I was " wrongfully foreclosded '' as the sale was fixed by highly skilled attorneys intent on taking the property back as an XXXX Property and stealing the house. I have lived in my primary property for 26 years and am XXXX years old and XXXX but still work and have a XXXX XXXX.

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