Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
*PLEASE HELP, ASC/WFHM HAS SET A SALE DATE FOR OUR FAMILY HOME FOR XXXX XXXX, XXXX I am writing to you today to request that you open a case on our behalf because America 's Servicing Company ( ASC ) /Wells Fargo Home Mortgage ( WFHM ) is stating that we are not eligible for the XXXX XXXX program XXXX which is not correct. The ASC/WFHM re-entry team is stating that we are not eligible for any XXXX XXXX program and are refusing to process our XXXX XXXX Request for Mortgage Assistance ( RMA ) even though we have never been reviewed for XXXX XXXX XXXX XXXX. We have escalated this also to the XXXX Escalations Team where they have also requested postponement of the scheduled foreclosure sale to allow for a valid and compliant XXXX XXXX XXXX XXXX review, if eligible ; ASC/WFHM is stating that they will get the requested information over to XXXX Escalations by XXXX XXXX, XXXX, which does not allow for much foreclosure prevention planning. 

In the past, we received a TPP under XXXX XXXX XXXX XXXX but due to an IRS lien that was subordinated ( but not in the clerical manner that was acceptable to ASC/WFHM ), we have been forced to reapply for mortgage assistance even though we successfully completed a TPP under XXXX XXXX XXXX XXXX. We have never been review for XXXX XXXX XXXX XXXX. 

Please help us to obtain a fair XXXX XXXX XXXX review that follows all XXXX guidelines. We were denied the opportunity to go through a XXXX XXXX XXXX XXXX review in XXXX XXXX due to some bizarre documentation excuse ; XXXX stated that they could not verify my wife 's income but they requested our XXXX tax return, XXXX 's XXXX XXXX 's and XXXX 's XXXX pay stubs ( per the attached timelines ), which would not match since they cover XXXX separate years ( not XXXX clarifying document was requested to include our XXXX tax return available prior to the denial ). As of XXXX XXXX, my wife XXXX XXXX now has new, full time and verifiable employment income warranting a new review due to a change in circumstance or income ( see attached offer letter ). 

I am confident that we are eligible for the XXXX XXXX XXXX XXXX review and I plead with you to assist us in clearing a pathway for a fair and compliant XXXX XXXX review. Thank you in advance for your assistance and my contact information is below if you would like to call me to confirm the details. 

XXXX of my goals is to get this loan modification in place to provide the stability of a home for my family and remove this lingering threat of foreclosure before XXXX. My son, XXXX is going into his senior year in high school and my other son, XXXX is entering high school as a freshman. If we lose this house, the opportunities to remain in our school district are slim. We want them to graduate with the friends they grew up with and we would be more than appreciative to have that opportunity. 

Thank you!

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