Consumer complaint received 2017-05-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our household has been plagued with financial difficulties for a few years. We 've been faced with  XXXX , reduced income,  XXXX  and   XXXX   XXXX   XXXX   XXXX  . My mom, my family & I share a home.  Wells Fargo Home  Mortgage is the loan servicer. My mom is on the more alone, but she, my husband & I are all on the security instrument which is recorded with  the county .  <P/> We 've been trying to work with  Wells Fargo Home  Mortgage for years. They have modified this loan   XXXX   XXXX   XXXX   XXXX   previously because of  XXXX . Even then, my mom & I did n't realize the underlying problem.  XXXX  was the reason my husband could n't keep a job. He made excuses which caused me to make excuses.  <P/> I suffered a   XXXX   XXXX   XXXX   in  XXXX   XXXX . I returned to work after  XXXX  months of extensive   XXXX   XXXX  . At that time my income was reduced and later my entire job changed which meant a permanent pay cut.  <P/> Each time my husband got   XXXX   XXXX  , it reeked havoc on our household. Because of him, my mother 's mortgage payments are in arrears. The last time  XXXX   XXXX  agreed to a temporary payment of {$1800.00} for  XXXX  months. If I 'm not mistaken, the   XXXX   payment was due  XXXX   XXXX ,  XXXX . I made the payment at the end of  XXXX  because I 'm only paid   XXXX   XXXX   XXXX  . Before we could make the next payment my husband was   XXXX   XXXX   again. He is a   XXXX   XXXX   and his   XXXX   XXXX   XXXX   is his livelihood. I spent all my energy trying to keep the home together. It never crossed my mind that we could lose our home.  <P/> I 've been begging  Wells Fargo Home  Mortgage since that time to work with us again. My mother was forced to file bankruptcy to keep our home from being sold. We 've continued to plead with   Wells Fargo Home   Mortgage, but they wo n't allow re-entry to another plan. The reason they have is that underwriting had modified previously AND the arrearage is   XXXX    years old.   Yes, it 's modified previously, BUT I 've been begging for  XXXX  years for help. It was n't  XXXX  years behind when I started requesting assistance.  <P/> The only reason my mom filed bankruptcy was to save our home. The intention was to continue working with  Wells Fargo Home  Mortgage for help. We 're begging for another chance. Our finances are stable again, and  XXXX  is no longer an issue. We 're just begging for a fresh start without all the previous baggage and disappointments.  <P/> All we want is to remain in our home with an affordable monthly payment. Right now, we 're paying {$2500.00} to  Wells Fargo Home  Mortgage and the bankruptcy trustee. The payment is too much. We do not have any extra money. If an emergency arises, we will not be able to take care of business.  Wells Fargo Home  Mortgage 's only  XXXX  resolves are short sale and deed in lieu of foreclosure. We DO NOT want to leave our home. All we 're asking for is one more chance. We can afford up to {$2000.00} a month for however long  Wells Fargo Home  Mortgage desires. I wish they would consider our case again with compassion. My mom nor I could control my husband and his  XXXX . We 're begging for another chance to comfortably and affordably stay in our home.

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