Consumer complaint received 2017-05-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have previously filed a complaint (  XXXX  ) agai nst Wells Fargo abo ut attempting to get a modification. After numerous phone calls, filling out paperwork, etc ... I was told that I did n't meet the qualifications for a modification.     I did receive a phone call fro m WF in  reference to the complaint and informed Investigator  XXXX   XXXX  that I have NOT spoken with the Home Preservation Specialist ( HPS ),  XXXX   XXXX , since  XXXX , but I do receive written correspondence stating that we have spoken, I requested a short sale, etc ... I have NOT spoken with the HPS, nor have I requested a short sale. I did inform the investigator of these facts and I have informed her that I had spoken with a WF supervisor, requesting a new HPS since I believe that she is fraudulently putting in data to the system stating false facts.     On  XX/XX/XXXX , I received a missed c all (   XXXX   )   XXXX  from California no message. Today,  XX/XX/XXXX , I received another cal l (   XXXX   )   XXXX  from "  XXXX  '' who left a message saying that he worked fo r   XXXX   XXXX   an d to give him a call back a t (   XXXX  )  XXXX .     I recorded the phone call.     I looked up the phone number and found that it belonged to a Debt Collector,  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  in California. I called and spoke with  XXXX  and asked how he obtained my information.  XXXX  informed me that he received my contact info from  XXXX . I stated that he left a message stating that he worked f or   XXXX   XXXX   a  n d I do not know a  XXXX , did n't order any interior photographs of my home, etc ... I then informed him about the various phone numbers from the company calling me and he stated that he got the contact info from the bank. I asked which bank and he sa id   XXXX   XXXX  . I th en requested the contact info for the person at    XXXX   XXXX   to  find out who authorized a realtor to schedule an interior photo session of my home and that I would not allow anyone in my home with my  XXXX  young children.      XXXX  stated that he would  call   XXXX   XXXX  , b ecause they were supposed to call me first to schedule interior photographs of my home.     Since I have filed the complaint, I am still receiving letters from  WF HPS   XXXX   XXXX  after I requested a new HPS and the letters still state that we have spoken.     I did receive a letter dated  XXXX   XXXX ,  XXXX  stating that there are options to keep the home.      1. Reinstatement 2. Forbearance plan 3. Repayment plan 4. Loan modification 5. S tate program I would like to state that I have never been offered any of these programs from  XXXX   XXXX  prior to the complaint. I was only told that I could not afford the payment any longer and that I did n't qualify for any of the modification programs and that I should speak with my family and explore all options to leave my home via short sale or deed in lieu.     Today,  XX/XX/XXXX , I received another " Short Sale '' packet in the mail from  XXXX   XXXX .     I have not requested a Short Sale I would like to file this complaint again st Wells Fargo for  the continual harassment of sending people to my home to take pictures and disturb my family making them uncomfortable. As I have stated in an e-mail  to WF, It is m y belief that they are intentionally trying to foreclose and embarrass us out of our home.     I have e-mails and recorded phone calls to corroborate my complaints.     Below is a copy of some e-mails : I am not sure if you have been removed as my home preservation specialist or not because I have not received any correspondence fro m Wells Fargo stating  so.     On Thursday,  XXXX   XXXX ,  XXXX  , Wells Fargo sent ano ther person to take photographs of my home. I am not sure why you keep sending people to photograph my house, since you have already sent someone to take photographs on Sunday,  XXXX   XXXX ,  XXXX  scaring my wife and children.     In case you do not recall, I have pasted a copy of that email below.     Today, Sunday,  XXXX   XXXX ,  XXXX , at approximately  XXXX   XXXX , my daughter came running in the house screaming for me because someone was in our driveway and on our lawn taking pictures. I went outside to see what was going on and asked the man if I could help him. The individual, a white male, driving a truck with Pennsylvania license plates, stated to me that he was taking pictures for my " BANK ''. The other occupant of the vehicle exited and started staring at me, as if he may do something. Who knows?     My wife and my other  XXXX  - (   XXXX   ) c hildren, ages  XXXX - (  XXXX  ) and  XXXX - (  XXXX   ) w ere in the car with the doors locked because they were afraid to get out of the vehicle. I informed them to stay in the vehicle and went inside to get my phone. When I went back outside, the man and his accomplice were driving away.     My wife came into the house andinformed me that she andour  XXXX  -  (   XXXX   ) chil dren were pulling into the driveway and a man was in our driveway up to our house and on our lawn taking pictures. My wife informed me that the man did n't care that she pulled into the driveway, he just looked at her and walked onto the lawn and up to the windows and took pictures. My eldest daughter who is  XXXX - (  XXXX  ) ran into the house when he walked to  the street  and continued to take pictures.     After watching the news and reading the articles about the shady business t hat Wells Fargo ha s and apparently still is in the process of doing, I did n't think that after sending a notice to file an appeal,  Wells Fargo w ould go to the extreme of sending someone the next day to take pictures of our house.     I believe that there is a Law against disturbing the occupants of a home, I believe that it what the legal procedures are for.     I will call my attorney and ask about the disruption and fear that  a Wells Fargo e mploye e or contractor  put into my family with these actions.     This is the second time th at Wells Fargo has  sent someone to take photographs of my home disrupting my family. I can only assume th at Wells Fargo is atte mpting to embarrass and shame us out of our home, blatantly taking photos of our house for all to see.      If Wells Fargo need s the same photographs over and over again, just ask and I will take them and send them in.     Please forward this email to your supervisor. I will follow-up with a phone call to speak with a supervisor to discuss the second Separate e-mail : I was on the phone with  a Wells Fargo supervis or when you finally respo nded to one of the twenty- ( 20 ) plus  e-mails that I have sent in  XXXX .     Today, Monday,  XXXX   XXXX ,  XXXX  I received another letter from you stating that we have spoken. As your attached e-mail states, you have not had a chance to respond back sooner.     As I have stated to  the WF s upervisor, I believe that it is an intentional act on your part and Wells Fargo to NOT reply back to my e-mails or take any of my phone calls. You do however send the occasional letter stating that we have spoken, when in fact, we have NOT. I believe that you personally are creating fraudulent data and fabricating the information needed to foreclose on my house and you are doing this on the orders of  Wells Fargo.      In your letter you state that we were unable to reach a mutual agreement regarding the options available to assist me. Again, I did not speak with you and you are sending letters and putting in data/notes into  the Wells Fargo s ystem that is not true. YOU arefabricating data stating that you are speaking with me, which I believe is so that you can foreclose on my home withoutproviding me with the opportunity to file a modification for underwriter review.     I believe that these acts are intentional, fabricated andshamefulon beha lf of Wells Fargo an d its employees, such as the latest '' PHONY ACCOUNTS SCANDAL '' th at Wells Fargo was f ound guilty of earlier in the year.     When I spoke with the supervisor the other day, he had mentioned that I had been approved for a Streamline modification. I informed him that I had not been approved for a Streamline modification and that I did n't know why it was in my notes that I had been approved. I could not remember why or what went wrong with the Streamline at the time of the phone call, but I did tell him that I 'm sure it was in my notes.       I did have it in my notes and the Streamline modification was not approved because Wells Fargo was trying to get my wife to sign for a mortgage. My wife has never been on the mortgage, will never be on the mortgage and does not want to be on any mortgage with Wells Fargo. In fact my wife filed a quit claim deed with the county to be removed from the property, which is our primary residence.
I did tell the Wells Fargo supervisor that I am aware that all of the conversations are recorded and recommended that the records of incoming and outgoing phone calls to me with you be checked.
I only have my cell phone for contact, which shows all incoming and outgoing phone calls, date, time and duration.       I also asked for a new modification specialist since you apparently have been very busy in your department and have not had a chance to call any of your customers back or respond to them via e-mail, but you arenot too busy to fabricate fraudulent dataand send letters stating that we have spoken. Or, maybe that is your job  at Wells Fargo, to fab ricate fraudulent data and do the data input for the foreclosure department on all of your assigned customers.     Thank you for your time and consideration

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