Consumer complaint received 2018-10-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a modification from Wells Fargo mortgage for quite some time. I have to file these complaints individually because otherwise they wont ever get done Ive been trying since last year. On XX/XX/XXXX I attended it XXXX XXXX XXXX meeting it was requested by Wells Fargo mortgage. It was the second meeting of two in which I was completely ignored talk down to is if I wasnt even there. The attorney firm was XXXX XXXX XXXX XXXX, theyre located at XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX , OR XXXX. Again the attorney who attended the meeting his name was XXXX I did not know his last name all I can say is it was a horrible abusive experience. During the meeting also  there was a mediator in her name was XXXX XXXX ( she was a witness and is a Mediation counselor for XXXX XXXX XXXX ) my housing counselor was also attending on both meetings but she was on the phone listening in and she couldnt attend physically there. It was the first Foreclosure avoidance meeting I have ever attended and I was extremely stressed and concerned about losing my home of which I have lived since XX/XX/XXXX. There was several issues I was trying to understand which Wells Fargo executive office and Wells Fargo Mediation reps could never seem to answer for me my housing counselor also tried to get answers but never could. The issues involved things like why I kept getting different escrow changes and why there was interest accruing on the escrow and why nobody would ever answer anything and then I would get a file closed and I would have to start all over again. So it was important to me that I rreally tried to get some of these Questions answered. Everything I try to ask was ignored or brushed over like I hadnt said a word I was getting frustrated I felt like I was being talked down to or implied that I was stupid and had no reason to even ask a dumb question like I had. Im sorry I dont work in the real estate industry I dont know the inns and outs but anymore it seems that any place you work. However finally XXXX just got up and said I was being too picky said he wouldnt take a contract sign for me anyway and he stormed out of the room leaving XXXX XXXX the mediator and I both stunned. The meeting started at XXXX XXXX in lasted about an hour and a half. It was One should be treated like this I have XXXX and XXXX XXXX XXXX XXXX issues due to XXXX and XXXX over the years it is difficult for me to handle stress. Not that I making an excuse for myself but theres common courtesy and I wasnt given that at all in my opinion I was almost discriminated against and probably in a back room being left out. Not a very nice experience for anyone to experience especially when youre trying to save your home and not become homeless so my emotions are extremely high. After that meeting I felt I had no choice I couldnt get my questions answers but if I didnt get that contract signed and faxed back then I would for sure lose my home. When addition I felt put into a duress state of mind and forced Go to a local branch and have that contract faxed right back that day which is what I did. Now all said and done after I think about it I want my money back I felt why should I have to pay {$50.00} to be abused that is absolutely ridiculous I have asked Wells Fargo executive XXXX XXXX go to a local branch have that contract fax write back that day which is what I did. Now all said and done after I think about it I want my money back I felt why should I have to pay {$50.00} to be abused that is absolutely ridiculous I have asked Wells Fargo executive Office as well as the Mediation department but I cant get a definitive answer and since its been one year today I knew I had to file this I hope you can help me. My name is XXXX XXXX my address is XXXX XXXX. XXXX XXXX XXXX Oregon . I hope we can find a solution I have other complaints I need to file as well but this was I think the oldest and I wanted to make sure it was documented. Thank you so much for your time appreciate it please dont let me lose my home. In addition I am not the only one that lives in this home my adult XXXX son does also and its difficult dealing with all of this around him as he cant handle the stress either of me going off.

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