Consumer complaint received 2023-12-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX after my home that I paid XXXX value plummeted to XXXX and I lost a job and then my husband lost his job due to the economic down turn. I did what Obama told us to do since we couldn't sell. We asked for a modification. I spent the next 4 months sending by fax modification applications that wells fargo kept losing. Then my underwriters computer was accessed by some one and my file was moved out of review. She was able to move it back in. I was not approved for hamp modification but for a in house wells fargo modification That was more then my original modification I am a hopeful person and didn't want to lose my house that I used XXXX of my money to buy. 
They added XXXX to the. Mortgage although I paid for 4 months ( that money was missing. I was told it was placed in a suspece account ) while it was in forbearance, I stated paying XX/XX/XXXX. 
Then the bp oil spill occurred. I was told to stay home from work because the census in XXXX  where I worked went down. This continued through XX/XX/XXXX. My salary had been cut in XXXX. I had to call wells fargo again to apply for the hamp.. the hamp was supposed to cut my mortgage in XXXX not take my home. 
Well they tell me in order to apply for a hamp I had to be 90 days in arrears and then I can apply. I asked for supervisor after supervisor and got the same verbiage. 
So I complied. This is my bank they know how much I put down. So i trusted them. So in 90 days I applied. Not wanting to fax ( in my XXXX modification proccess my application was consistently lost for 4 months ) the application anymore I mailed it in a fed ex mailer. They receive it. We call wells fargo with the help of a HOPE counselor also set up by Obama and everything is in order for my approval. They have ALL my documentation. I get a phone call this time. The underwriter states that someone got into her computer on her day off and moved my file out of review and she can't get it back out of that " cog '' so I will have to re apply. This was XX/XX/XXXX. XX/XX/XXXX i receive a fed ex mailer with another application I send it back in XX/XX/XXXX it was due XX/XX/XXXX. I here nothing from them. I call and I am told it was lost they didn't get it. I freak out and call XXXX  I get all the way to the supervisor of the delivery person XXXX XXXX. She told me that the package was delivered. She tried to call wells fargo but no one answered. 
I called wells fargo and told them what I found out and now I was told that some document were lost. I asked them to please find the rest of my documents that is to sensitive of information to just be lost. They never did and by XXXX I was referred to a foreclosure lawyer??? DUAL TRACKED FROM XXXX MODIFICATION. 
Wow. Well I was served on XX/XX/XXXX. Highered my lawyer XX/XX/XXXX. 
Spent the next 2 years fighting a foreclosure. Wells fargo never produced any discovery and my case was dismissed on XXXX XXXX XXXX. I was served again XX/XX/XXXX again spent the next 5 years fighting. XXXX takes over in XXXX they want me to do a modification i pay for 3 months and then they wanted me to sign a predatory modification I said no. Then XXXX take over. My lawyer gets disbarred i find a new lawyer. And a trial is set there is no discovery either but my house stolen the night before trial. By a bad settlement. Had no choice couldn't go to trial without discovery. If i went to trial and I was going to lose i would have to be out on 3 months. The settlement, still a foreclosure i was in my house 7 months. My lawyer was paid off and the judge. The lawyer called me and said I have to pay rent. I said absolutely not. The next thing you know he said ok. They got my house no discovery not even a note. The lost note affidavit is not posted on my case in court until the next day XX/XX/XXXX the day of trial. Hence the judge appointed not elected and he lost his judge election. 
So the entire time wells fargo was the plaintiff no discovery they even took me and my husband to XXXX. And all the cfpb complaints They always have said thru have found nothing I am am XXXX if XXXX  years I have no reason to lie about these events So many issues Lost forbearance payments, dual tracking, telling me not to pay, moving my file out of review during both modification applications, losing documents faxed and by XXXX. There is a Settlement out there weeks fargo has to pay out.. they refused to send me my part if the settlement which is XXXX they send me XXXX $ finally admitting to wrong doing. So losing my XXXX to a fraudulent modification process sick led to a fraudulent foreclosure is ONLY WORTH XXXX $? excuse me? We used XXXX of our money firm on this house in XXXX. We invested our money for retirement into our home. And wells fargo has stolen that from us. Without seeking our home we had no Money or another home. We had to purchase what we could to afford in a payment and didn payment. So we can pay our mortgage into retirement. We had to purchase a XXXX old. Mobile home. We need repairs yet we retire next year. 
I think it's time for wells fargo to pay up. 
THEY ALREADY ADMITTED TO FINDING ERRORS DURING OUR MODIFICATION PROCCESS SO IT'S TIME TO PAY WHAT I DESERVE!!! 

Thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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