Consumer complaint received 2015-08-12
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I called our mortgage carrier ( ASC ) Wells Fargo bank to make somepayment arrangements. While I was on the phone a lady suggested we apply for a mortgage modification because of a failing business. I was set up to make XXXX payments ( good faith payments ) for XXXX, XXXX ; & XXXX XXXX. I was told to skip meXXXX payment. We made our XXXX payments and in XXXX I received another call from the bank. The gentleman who called said we had done a good job and we had been approved. I asked for details but he did not know due to the fact the paper work had not come down from the loan department yet. I was told I could expect the payment lowered and interest to be lowered. He also told me not to make a XXXX and XXXX payment. He said your new payments will either start XXXX XXXX or XXXX XXXX depending on when the paperwork was filed. We received the paperwork in XXXX and our house payment went up and interest stayed the same. I called the lender to see what was going on. The gentleman I spoke to looked at the paperwork and said there is an error and we will have to get it fixed sit tight and they would call me back. They did not in a week so I called again. I was told there was an error in the paperwork and the loan department would be getting a hold of us. Now we are looking at XXXX. I called again and was told " oh my gosh you just missed your XXXX payment and now we were in foreclosure but do n't worry we would be able to start the process over ... ... I cried. We did do the process again ... at the end this time we were told that our loan would be declined. Do n't worry though we will start the process again. I could write you a book on this. This has been going on for all this time. Over and over again. We have had several sale dates that were stopped within hours of the sale time. The whole thing was dropped then a judicial foreclosure happened. It was stopped. In XXXX of XXXX we went to a mediator. We agreed to the foreclosure due to the fact we could not afford the payments they offered which are nearly {$1000.00}. a month higher than our original loan. We were to get to live in the house 10 months they would take the credit feed off our report and pay our attorney {$4000.00}. We were told to expect court documents in about a month. ASC cancelled their appearance and we never received those papers. 
I believe it was XXXX of this year the process started again and we were given a mediator again and piles of paperwork in which we have filled out a number of times. In XXXX we had a hearing just to find out the bank could not be there and they sent a lawyer from XXXX OR to stand in for them. No decisions could be made. We had a new date that was in XXXX. XXXX, XXXX. That appointment was asked to be changed to XXXX XXXX, XXXX. Then two days later they ( bank ) had a new modification proposal for us. Again the payments are about a {$1000.00} more than the original loan... 

I have shortened this as much as I could but there are many more experiences I could share. We have been in this position for years now and basically the bank stole our house by telling us to skip payments then not providing a contract they promised. 
This is wrong and can you help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation