Consumer complaint received 2016-05-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please associate this complaint with XXXX prior complaints regarding the same attempted foreclosure : XXXX, filed XXXX/XXXX/XXXX, and XXXX, filed XXXX/XXXX/XXXX ; you forwarded both to Wells Fargo for a response, but thus far, Wells Fargo has only continually extended their response deadline. The first pertained primarily to their manipulation of Maryland 's required mediation process to deny me the opportunity for mediation ; the second pertained to their initial denial of my modification request, in which they used outright false statements concerning their agreement with the 'investor ' that bought my note ( a XX/XX/XXXX mortgage trust ) to deny the modification. In the latter, Wells Fargo also ignored my request for a copy of that agreement ( in violation of the Truth in Lending Act ), and only after locating it online myself was I able to demonstrate their false statements ( though articles like this one : XXXX make it clear that this is a standard Wells Fargo practice. 
I appealed Wells Fargo 's denial timely at the same time I filed the complaint with you, and waited. In short order, I received a letter stating that the appeal had been denied, and that foreclosure would resume ( copy attached ). Notably, unlike the initial denial letter, this one contained no explanation. Over the course of several days, I attempted unsuccessfully to reach my ironically-titled " XXXX Preservation Specialist, '' XXXX XXXX, who generally neither answers his phone nor returns messages. When I finally reached him, I pointed out that the letter denying my appeal contained no explanation ; that I 'd caught Wells Fargo in an outright falsehood on the initial denial, and that it seemed that some explanation for that, and for the denial of my appeal, was in order. XXXX XXXX stated he had neither written nor seen the letter of which I spoke, and that the system would have generated and mailed it. I pointed out that that was odd, since his signature appeared on the letter. He stated that the system would have generated his signature, as well. I told him that I certainly wanted an explanation, and he stated that since the appeal was denied, the account was no longer in his department, and he could not provide one. In essence, no one at Wells Fargo Mortgage has an explanation because no one has looked critically at my account, my application for a modification, or my appeal ; the foreclosure process at Wells Fargo ( despite class actions, XXXX dollar DoJ fines, and endless media and Congressional criticism, remains a blind, scripted, assembly line process in which I and millions of other are caught. 
Immediately after hanging up in shock, I called XXXX XXXX back, having forgotten to pose XXXX questions. His voicemail now stated that he was out of the office, although it was the middle of a business day and I had spoken to him not two minutes earlier. I left a voicemail requesting ( 1 ) the investor agreement WF has still refused to provide, and ( 2 ) information about the short sale leaseback program that was instituted years ago -- an option that should n't be necessary in my case, a case perfect for meaningful modification -- but one I ca n't ignore if I 'm ultimately unable to stop the Wells Fargo bulldozer. XXXX XXXX, of course, never returned my call. 
The woman in another Wells Fargo department, named XXXX, appears to be working towards a response to these complaints ; I suspect that the repeated deadline extensions stem from the fact that no reasonable response exists -- I do n't envy her her job. As I prepare to turn to the courts ( both state to stay this process and Federal, where I 'll use information from consumerfinance.gov to certify a class ), to DoJ, to HUD, and to the media, I hope that CFPB looks with a critical eye at any response Wells Fargo produces. They seem to think it 's still XX/XX/XXXX, and that they 're simply above the law.

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