Consumer complaint received 2017-01-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo foreclosed on my home in XXXX. This is my 2nd complaint with the CFPB. The first was a joke. Wells Fargo was allowed to respond and close the complaint without anyone checking to see if they actually were right. If your going to have a complaint forum, shouldnt the consumer be allowed documentation proving that their responder is correct. Here we are 5 months later and Wells Fargo is just praying I give up, But I refuse. They have ruined my life, including my marriage of 33 years. I sent a QWR to wells fargo asking for a complete and accurate accounting of my loan from it 's beginning through XXXX XXXX, XXXX ( QWR date ). Their response was a joke. It included a payment history, NPV from my modification attempts, a few letters stating I was denied because I had a mortgage, blank documents, a good faith statement, ( by the way, I want my {$10000.00} it says came to me ) and letters either unsigned, signed by people I 've never heard of, said I was accepted or were addressed to a different customer!? I had asked for standard information pertaining to my loan. ( copy of QWR to be uploaded ) I had asked for the foreclosure sale to be postponed until both parties were satisfied, but found out they were proceeding with the sale anyway on XXXX/XXXX/XXXX when the rep called to say he was sending out my answers and closing this and turning my final request for fraudulent documents over to there fraud department. ( Who sent me a packet on identity theft and never returned my calls! ) I called them on XXXX/XXXX/XXXX ( and sent a 2nd QWR ) and told them I did n't have a mortgage and was rudely told yes, yes, you do! The lady wasnt very happy when she had to tell me I was right. She also stated that some XXXX would call me back on my complaints about their reps response to my QWR and 3 days later I 'm still waiting though I did check to see, and the Trustee has cancelled the 3rd sale! I am not saying I do not owe them money. I am saying that they have jerked me around for over 6 months that I could have been making payments. they told me my home had been charged off and then called me a liar. they told me I could not make a payment, that no one would accept them. went to the bank and made a payment and when I went the next month they had foreclosed without notice or anything. Wells Fargo has no idea what they are doing with this WACHOVIA account. They say my requests are too broad. I am saying I never had a security instrument or a deed of trust and never saw XXXX until they sent me a copy XXXX of XXXX. I can walk into a bank and request a copy of my paperwork and they give me my note. ( latest copy XXXX ) they look at it like hmm what is going on and politely send me on my way because they do not want to be involved. If there was a DOT why didnt I see it at signing? Why wasnt I ever given a copy of it or this good faith statement? They keep sending me things Ive never seen before and if I complain they combine it trying to cover themselves and its just a joke because they can not deny the evidence they 've sent to me when we end up in court. Every time I have an issue with them they give me a new rep ... ... wonder what happens to the old XXXX? How does Wells Fargo get away with treating people this way? How can they get away with making their customers deal with all of the untrained, unskilled, rude workers who are just trying to XXXX so they dont lose their jobs? when is someone going to hold Wells Fargo accountable once and for all?? For me they just keep attacking. I got a new bank account, they transferred all my payments EXCEPT IRS and life insurance so guess what I 'm going through now? Way to go WF! sent an email auto bill pay was not set up! I never had it to begin with! I 've owned this property for 28 years and lived on it for XXXX. I was behind. But I stayed in contact asking for assistance. anyone who thinks i want to lose it without a fight is crazy!

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