Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to sell my home for two years ; I even tried renting the house. My home was upgraded and renovated several times. Renters would either tear it up or steal things out of the home. I can not afford to keep making repairs on the home, putting myself further in debt. If another claim is made on the home as a rental, it will be no longer insurable at a reasonable price. I own more than the house is worth. I contacted Wells Fargo for assistance. I sent a hardship letter telling them that I had gone through a divorce and now, I have XXXX mortgages with them. I told them I could only afford to pay for XXXX mortgage with my income. I applied for a short sale or a deed in lieu of foreclosure. I have been going through this process XX/XX/XXXX. I am working on my third loan preservation specialist XXXX LPS ). The LPS is the only point of contact I have during this process. The XXXX former LPS 's were gone for days at a time, they did not return calls and would not let me know if the processor was requesting documents until it was almost too late. I was denied for a short sale, and now I am working on an appeal going through the process all over again. I have used their website 's complaint process letting them know how I am not pleased with the process. I have sent XXXX complaints, asking for someone to look into why this is taking so loan. I am not making payments because no one is renting the house, and I can not afford XXXX mortgage payments out of my income. The back payments are mounting up. The current LPS seems to be a little more helpful, but he disappears for days at a time as well. He rarely returns phone calls. I usually will just wait until I call and catch him. The loan processor is the person requesting any documents from my realtor or me. The processor is my realtor 's only point of contact. The processor is not allowed to talk to me. My realtor keeps trying to contact the processor with several phone calls and emails to no avail. The processor 's job is to let the realtor know what documents are needed. I just happen to call to check just as I do everyday, and I found out that they were requesting documents from me and that they needed them the next day or the process will be over. When the processor does request documents, she keeps requesting the same information over and over. She keeps asking me for three month 's bank statements. I have sent three month 's bank statements four times. The processor requested that I send a letter of explanation for something that was self-explanatory on my check stub. She wanted me to explain what parking and health insurance meant on my check stub. I had a deposit on my bank statement from XXXX XXXX XXXX XXXX XXXX XXXX for my XX/XX/XXXX tax refund. Next to XXXX XXXX XXXX XXXX 's name on my statement was their bank account number. The processor requested that I send her again, three month 's bank statements for XXXX XXXX XXXX 's bank account number. I was upset about this request. I sent another complaint, telling them if they are going to request documents, the people receiving the documents should be competent enough to read the documents. After that complaint, I received another request for three month 's bank statements for an account that I do not have. The processor will not return my realtor 's phone calls nor emails. I have had XXXX buyers submit offers, but they walked because the house is not approved for a short sale. I am emotionally drained and sick from this process. In the meantime, I still have to maintain this house. All I want to do is sell my home via short sale or deed in lieu of foreclosure. They are dragging their feet. Please help me get to the bottom of this process. Thank you.

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