Consumer complaint received 2015-04-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, My name is XXXX XXXX and I would like to find out if there is any way that you would be able to assist me in my current situation? I 'm going to try and make a long story short. Everything started in XX/XX/XXXX when I got a sub-prime mortgage loan through Wells Fargo and leads up to today XX/XX/XXXX. When it was time to go to closing, the loan officer that I was working with was no where to be found so they had to brief someone else about my account before we could proceed which pushed our closing time to a later time. Then I 've been battling unemployment and being sick and out of work so my payments have be sporadic but I 've always tried to stay in contact with Wells Fargo or work with a housing counseling agency, or lawyers. I 've been threatened with various foreclosures, and had to appear in court many times. For about 1 year now, I had to get a lawyer to file bankruptcy papers and my trustee payments have gone up XXXX. I was unaware that while in the bankruptcy that I had to continue paying my regular mortgage payments. This caused me to fall behind also. Now Wells Fargo attorney is sending me a notice for a Motion Of Relief to the property. I sent them their Attorney the money in XXXX and WF did n't receive notification until XXXX XXXX and again I 'm being taken to court. This time I do n't think it 's my fault because WF Attorney has a " hold '' on my account until their given instructions on how they want to apply the funds and now it looks to WF as if I had n't paid any mortgage from XX/XX/XXXX-XX/XX/XXXX and that is why I 'm being sued. I 've talked to WF XXXX times and they keep telling me they are unable to speak to someone in their Attorney office and in the mean time, this foreclosure is hanging over my head and I do n't have any where to go with my children nor do I have any money to put out to move. Almost every lawyer I have been to do n't really do too much to help me because they say that WF can do the things to me they have done. Now it 's the XXXX day in a row that I have been calling Wells Fargo and their Attorney still have n't given them instructions as to how or if the funds will be released so that my account will be current.The Attorney 's bankruptcy person ( XXXX XXXX ) can never be reached. I tried to call and left a message, ( XXXX a WF Rep. tried to call XXXX left a message ), ( XXXX another WF Rep. tried to call XXXX left a message and sent an email ), ( XXXX another WF Rep. called XXXX sent an email ), and XXXX XXXX a WF Rep. tried to call left a message and sent an email on XXXX ), and still no one has gotten me any answers yet. Wells Fargo is telling me to make my XXXX payment but I refuse just in case I have to move because they do foreclose on my house, then I need money for a deposit somewhere else. Believe me, its way more to this story but I 'm paraphrasing what 's going on now. What if anything can I do? I 'm looking forward to hearing from someone soon. I NEED HELP A.S.A.P. 

Thank You Kindly, XXXX XXXX

Company response to consumer: Closed with explanation