Consumer complaint received 2017-07-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : My Forbearance was from XX/XX/XXXX to XX/XX/XXXX, to  assist me in keeping my home and modify my monthly payment with a more affordable payment, if possible. <P/>In XX/XX/XXXX, I saved enough money to purchase this house located at XXXX XXXX XXXX XXXX XXXX MD XXXX. I paid my mortgage on time each month starting with my old mortgage company XXXX XXXX which was then obtain by Wells Fargo Home Mortgage. I then got laid off XX/XX/XXXX. I lived on my savings, Severance pay and unemployment up until XX/XX/XXXX, with this income I paid my mortgage on time. I 'm enclosing to letters from Wells Fargo Home Mortgage. each letter said that I will owe a balance but no mention that I would have to pay it up front in order to reinstate my mortgage payment. Wells Fargo is claiming I was default in my mortgage, I became defaulted when they returned my payments in XX/XX/XXXX. <P/>I applied for a forbearance so I could pay other bills and still pay my mortgage because it was explained to me by the Representative an employee, XXXX XXXX of Wells Fargo Home Mortgage that after the forbearance I will get a modification and reinstate my mortgage payment starting XX/XX/XXXX but to my surprise it was not so. I mailed in a mortgage payment in XX/XX/XXXX and XX/XX/XXXX and it was returned. I was refused my mortgage reinstatement so I appealed several times only to be refused. I called HUD which is suppose to help homeowners from become homeless with all those government programs and I was not help by them also. <P/>I am very disappointed since knowing that the government bailed out these banks and they are still railroading honest innocent homeowners like myself so they can have the equity and the house. I feel cheated. I may not know how to explain this but I know I am being wronged. I would like to have access to any and all government programs that would allow me to keep my home and stop my children and I from become homeless. <P/>Yes, my income has changed to a more positive income. I am babysitting for the amount of {$2000.00} per month for XXXX children at {$250.00} per week ( this is sure money ), my mother pays {$640.00} towards the mortgage also. I still have savings in my credit union and I have XXXX tenants :  XXXX is paying {$950.00} and the other {$500.00} per month. I received {$2500.00} a month in child support. I am paid {$1500.00} bi-weekly. I can afford my home. I would do anything to keep my home. Any assistance would be greatly appreciated. <P/>What you as a consumer protection agency do to assist me if Wells Fargo Home Mortgage refuses to correct this problem. <P/>They response to you is that they can respond because they are in litigation for a case that is involve the same issues I 'm having with them. So I would like to be included in that case. Or what will be done by this Office to stop the sale of my home from going any further. Would this office file another case against, I know at least one other person having a similar issue with them, in another US country. <P/>Wells Fargo is a Bully and only know how to steal from honest homeowners.

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