Consumer complaint received 2015-05-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, My name is XXXX XXXX XXXX ( XXXX ) & I am writing in to your agency in order XXXX stop a Trustee Sale that is scheduled to take place against my home on XXXX. My hope is that a ticket/claim will be filed with your agency immediately due XXXX the time restraints/Trustee sale on my hom. I am hoping that the lender, out of courtesy for your company will postpone the Trustee Sale through the Trustee, scheduled for XXXX, in order XXXX allow resolve. 
WHAT HAPENED : Just at the end of XXXX, I reached out XXXX XXXX due XXXX a XXXX scare. I had XXXX major XXXX in order XXXX remove XXXX XXXX. Other immediate family members also came down with horrible illnesses like XXXX, XXXX Etc. I was a single divorced mom and lived in Arizona alone. I needed a good amount of time XXXX recover and knew that I was becoming a person who had the potential XXXX default. I wanted the servicer XXXX know what was going on due XXXX reduced finances & illness and hoped to reduce my financial obligations with them. I hoped that I could get help from the servicer to make my home more affordable XXXX a XXXX time. The servicer Wells Fargo Bank, N.A was understanding and worked with XXXX to help me get on track. I paid a small delinquent amount alleged due totaling approximately {$400.00} dollars or so through the XXXX during that time. I then waited XXXX complete the process of a hopeful XXXX modification of my home in which I qualified XXXX after XXXX verified alleged illnesses & XXXX finances. As time went on & into XXXX I began XXXX make my mortgage payments, but did not worry much about paying slow, because I had already explained XXXX the loss mitigations specialist that worked with the XXXX that I had XXXX back to back, XXXX & had a small family residing in Arizona. I knew I would probably end up paying partial payments ( slow ), or XXXX payments due to illness. In the beginning it was hard XXXX me XXXX walk around and navigate in order XXXX take care of myself. Though I paid slow and some times skipped payments, which followed with me paying double payments, I always managed XXXX pay my mortgage despite my situation. Wells Fargo Bank, N.A did not put in writing that paying slow or making partial payments was no longer acceptable so I continued making payments as orally agreed XXXX via the loss mitigations specialist working on my case at the time. The oral agreement was reflected as implied consent by the servicer, because they accepted partial payments & late payments XXXX the entire yr. of XXXX. Their was no problem in XXXX until I accidentally skipped XXXX XXXX 's mortgage payment. Once I realized the mistake I quickly made a {$200.00} dollar partial payment the XXXX week of XXXX XXXX and then a second payment again of XXXX shortly after. I was literally no payments behind when they initiated the XXXX. I was I day delinquent when they filed due XXXX Wells Fargo Bank, N.A jumping the gun prematurely. Wells Fargo Bank, XXXX sent me a letter stating that I had until XX/XX/XXXX to pay off the delinquent amount. I paid the XXXX partial payment on XXXX as requested by the servicer. On XXXX the servicer initiated a foreclosure, which was one day XXXX they gave me a letter stating to Cure by XXXX in which I did by paying {$620.00}. The XXXX partial payment and {$620.00} payment covered XXXX the month of XXXX. I was never XXXX late days XXXX warrant the servicer jumping the gun in order XXXX initiate a XXXX against my home. The servicer had access XXXX ALL mortgage payments for 4 months after they initiated a XXXX without my knowledge. No notice of default was ever given. I sued an loss my case due XXXX technical error ( No Lawyer ). I have requested in writing approximately XXXX times to be allowed XXXX reinstate my loan, with no success. I am still currently able XXXX Reinstate.

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