Consumer complaint received 2017-04-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XX/XX/XXXX, my fiance and I, bought a home in the neighborhood where we had been renting for years. We had XXXX son and I had taken a leave of absence from work to be my mother 's XXXX for my mother who was in XXXX, we could n't bare a XXXX for her. After the 3 or 4 years we cared for her and her condition had worsened to the point that all I was doing was breaking down on a daily basis just to make myself keep her out of a XXXX and home with us. It is a situation that no one should have to witness their most loved parent endure. In XX/XX/XXXX, we had a son born after having to do the most difficult. So, while XXXX I returned to school before I returned to the work place where I was a XXXX, because I wanted to receive my XXXX degree, so to have that also under my belt. XXXX my fiance, working to support everyone. 2 months of finishing my classes, I was XXXX to our child, so I decided to wait, then go back fully refreshed and ready. About 3 weeks home with a new baby, I was very tired and sick, thinking it was all that come with XXXX my baby. I not only contracted a XXXX, I underwent XXXX for the next 6 months, I was diagnosed with the XXXX, XXXX. Then 3 weeks later rushed to the XXXX and was diagnosed also with XXXX, my XXXX was only at an XXXX caused by a XXXX and XXXX to unrepairable, inevitably needing a XXXX at age XXXX. With a son in his XXXX and a new baby, it has taken so many obstacles, to get to where we are right now. Needing a XXXX now to reattach a lead in my XXXX and XXXX, it took me 4 year 's to receive my XXXX. Wells Fargo ask us how long we felt that our hardship would last, we choose 6 months and longer. Well, it did, we had a preservation specialist, named XXXX, worked hard with us as we did with her, but we were struggling, financially emotionally in every way. We could n't complete a few modifications, everyone after XXXX, caused more XXXX, saying they had not received something, I keep everything!!! I was broke I had gotten so XXXX and relationship family and the way we handled things was broken. Our last modification was given to us around XX/XX/XXXX, it was a good one and like always we started making the trial payments but failed after 2, not knowing what to do XXXX had filed bankruptcy again. SSA settled my XXXX in XX/XX/XXXX or XX/XX/XXXX, and we ca n't get anyone to acknowledge our circumstances now. Now that we 've overcome so much and have grown, spritually and needing to get to XXXX University to take care of my XXXX, we ca n't get this last chance Wells Fargo wo n't acknowledge us. Please help us, we just want this last chance to make this good and keep our home. Oh and this home is XXXX of XXXX that is in a flood zone and Wells Fargo keeps raising what limits they want us to hold, but we pay almost {$2000.00} a year in flood insurance. More than our homeowners and property taxes each year. After the icestorm in XX/XX/XXXX, FEMA did n't pay us for damages XXXX did, but our roof still leaks in XXXX rooms where the ceiling is coming down recently.

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